Podcasts about Private

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    Best podcasts about Private

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    Latest podcast episodes about Private

    Marketplace All-in-One
    Private judges for hire

    Marketplace All-in-One

    Play Episode Listen Later Dec 1, 2025 6:45


    On today's show, we're lifting the veil on a little-known profession in the legal field: private judges. These are judges that businesses or individuals resort to when traditional courts are too slow, too expensive, or too time-consuming. But first, AI is helping out with our holiday shopping. Adobe Analytics says traffic to retail websites that originated from AI tools like chatbots was up 805% compared to last year.

    Marketplace Morning Report
    Private judges for hire

    Marketplace Morning Report

    Play Episode Listen Later Dec 1, 2025 6:45


    On today's show, we're lifting the veil on a little-known profession in the legal field: private judges. These are judges that businesses or individuals resort to when traditional courts are too slow, too expensive, or too time-consuming. But first, AI is helping out with our holiday shopping. Adobe Analytics says traffic to retail websites that originated from AI tools like chatbots was up 805% compared to last year.

    Outlook
    My private trauma was leaked to the press – so I fought back

    Outlook

    Play Episode Listen Later Dec 1, 2025 41:20


    When Jenny Evans was sexually assaulted and confidential details appeared in a national newspaper, she decided to investigate – uncovering police corruption, tabloid spying, and phone-hacking. Jenny got a role in her first feature film when she was just 19 years old. At a film party in London she became separated from her friends and was sexually assaulted by a public figure she'd just met. At first she was too traumatised to report what had happened. But later, when other women came forward with similar stories about the same man, she finally felt able to go to the police. She provided a full testimony, but was shocked to see details from her police interview appear in a tabloid newspaper just a few days later. Jenny could not understand how this had happened, and the repeated tabloid stories about her led to a building sense of paranoia – she no longer knew who to trust. She eventually refused to talk to the police, the case against her attacker collapsed, and he was never prosecuted. Jenny decided to train as a journalist to discover what had really taken place between the police and the press. She teamed up with the well-known investigative journalist Nick Davies, and helped to uncover corruption in London's Metropolitan Police Service and illegal newsgathering practices by some national newspapers including phone-hacking and spying. Their investigations contributed to some high-profile resignations, and the closure of one of the newspapers at the heart of the phone-hacking scandal. Jenny eventually received an apology and substantial payout from the Metropolitan Police.This interview contains a description of sexual assault at the outset.Presenter: Asya Fouks Producer: Rebecca Vincent and Elena Angelides Lives Less Ordinary is a podcast from the BBC World Service that brings you the most incredible true stories from around the world. Each episode a guest shares their most dramatic, moving, personal story. Listen for unbelievable twists, mysteries uncovered, and inspiring journeys - spanning the entire human experience. Step into someone else's life and expect the unexpected.   Got a story to tell? Send an email to liveslessordinary@bbc.co.uk or message us via WhatsApp: 0044 330 678 2784   You can read our privacy notice here: https://www.bbc.co.uk/programmes/articles/5YD3hBqmw26B8WMHt6GkQxG/lives-less-ordinary-privacy-notice

    Happy Wife Happy Life
    91: The Internet Phenomenon That Is "Private, Not Secret"

    Happy Wife Happy Life

    Play Episode Listen Later Dec 1, 2025 46:00


    Welcome to Happy Wife Happy Life! We're your hosts, Kendahl Landreth and Jordan Myrick: two very unqualified (but deeply in love) comedians who are here to help you navigate all things relationships. On this week's episode, we discuss sexy videos, location services, and what we DON'T share. New episodes every Monday on YouTube OR you can listen anywhere you get your podcasts. Exclusive $35-off Carver Mat Frames at https://on.auraframes.com/HAPPYWIFE Promo Code HAPPYWIFE Give & Get timeless staples this holiday season for free shipping on your order & 365-day returns go to https://www.Quince.com/wife Listen on Spotify: ⁠https://tr.ee/L6caUcW97P ⁠Listen on Apple Music: ⁠https://podcasts.apple.com/us/podcast/happy-wife-happy-life/id1721222550 Follow us on Instagram: ⁠https://tr.ee/QUIqFa-P3z⁠ Follow us on TikTok: ⁠https://www.tiktok.com/@hwhlpodcast?lang=en JOIN OUR PATREON: https://www.patreon.com/c/HappyWifeHappyLife Email us your love and dating questions and we might answer them on the podcast! hwhlpodquestions@gmail.com Executive Producer: Jordan Myrick and Kendahl Landreth Senior Producer: Blake Smith Art Design: Liv Averett Graphic Design: Justin Crowell Photos: Lee Jameson  

    Free Neville Goddard
    Neville Goddard - Alignment Secrets

    Free Neville Goddard

    Play Episode Listen Later Dec 1, 2025 3:28


    You know why Neville didn't teach alignment…Because there's nothing out there to line up with…Since the universe is in infinite response to you…States are dead…You give them life when you occupy them…Alignment is a totally different beast…It lives in the head and it creates a battle in the mind…Teams… labels… causes…Red… blue…Cat… dog…Chevy… Ford…None of that tells me who I am…None of it tells you who you are…It only reveals what argument you prefer…Manifestination and transformation is all about STATE…What state - way of percieving - are you living from…Right now…Happy Loving Teacher…That one runs my life…Before coffee…Before sunlight…Before I even know what day it is…It's not a job…It's who I am in the world…Same with Happy Loving Husband…I don't line up with her vibe…Her mood…Her stories…I show up as the man I choose to be…That's my gig…That's my gift…If she had to align with me…And I had to align with her…We'd never touch - we'd never tango…Have you noticed, most folks live who try to live like that…They think something's wrong with them…So out come the mantras…The frequencies…The sigils…The magic numbers…The special hours…Once you open that door…Crazy walks right in…Boots on…Here's the thing…You don't need alignment…You need occupation…Neville said you're the operant power of God…He meant it…Wisdom…Power…Love…That's what you are…So what exactly are you trying to align with…Stop trying to align…Start exploring - who you are - how this works…And if you want to explore with us…Join us in ManifestingMasteryDeluxe.comNinety new vids…Private group…Live calls every ninety days…Real people… real work…Because it's exploring the truth about you that sets you free…See ya…The Power of Imagination with Mr Twenty Twenty is a reader-supported publication.

    Mission Matters Money
    How Henry Yoshida and Rocket Dollar Open Private Markets to Everyday Investors

    Mission Matters Money

    Play Episode Listen Later Dec 1, 2025 25:06


    On this episode of Mission Matters, ⁠Adam Torres⁠ interviews ⁠Henry Yoshida⁠, Co-founder of Rocket Dollar, about his mission to improve financial literacy and make private market investing accessible to everyday investors. Henry shares how his family's experience as immigrants fueled his career in financial services, why he built Rocket Dollar to help people use IRAs and 401(k)s for alternative investments, and how the landscape of public vs. private markets has shifted. He also discusses the future of self-directed retirement accounts and why he believes alternative investments are on their way to becoming mainstream. Follow Adam on Instagram at ⁠https://www.instagram.com/askadamtorres/⁠ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: ⁠https://missionmatters.lpages.co/podcastguest/⁠ Visit our website: ⁠https://missionmatters.com/⁠ More FREE content from Mission Matters here: ⁠https://linktr.ee/missionmattersmedia⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

    Watchdog on Wall Street
    The Truth About Wall Street's Financial Practices

    Watchdog on Wall Street

    Play Episode Listen Later Nov 29, 2025 39:37 Transcription Available


    Chris Markowski discusses the complexities and challenges of the financial world, particularly focusing on Wall Street, corporations, and the role of private equity. He emphasizes the importance of understanding the motivations behind financial entities and the inherent conflicts of interest that arise when profit motives overshadow fiduciary duties. McFadden critiques the regulatory environment and the evolution of corporate accountability, warning against the dangers posed by modern financial practices and the need for personal responsibility among consumers.

    Spiritual Boss Babe with Stephanie Bellinger
    Manifest Clients, Cashflow & Momentum for Xmas

    Spiritual Boss Babe with Stephanie Bellinger

    Play Episode Listen Later Nov 28, 2025 10:12


    ⭐️ JOIN CHRISTMAS CASHFLOW HERE: A 3 Day Live Money Activation to Manifest Clients, Cash & Momentum Before 2026. We begin Dec 1-3 (replays will be available)

    Fronteras
    Fronteras: ‘Detention is everywhere' — Photo series highlights impact of private ICE facilities on rural landscapes

    Fronteras

    Play Episode Listen Later Nov 28, 2025 22:03


    Photographer Marni Shindelman's series, "Restore the Night Sky" documents the effects of light pollution at 45 private ICE detention centers across the U.S.

    Capital Ideas Investing Podcast
    Private markets and macro outlook

    Capital Ideas Investing Podcast

    Play Episode Listen Later Nov 27, 2025 24:49


    Capital Group portfolio manager John Queen and Paula Campbell Roberts, chief investment strategist for global wealth at KKR, offer their views on the U.S. macroeconomic outlook, including the health of public and private markets. They share their expectations for interest rates, inflation, the labor market, stocks and bonds, along with some thoughts on whether certain markets have reached "bubble" territory. #CapGroupGlobal For full disclosures go to capitalgroup.com/global-disclosures For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://www.youtube.com/playlist?list=PLbKcvAV87057bIfkbTAp-dgqaLEwa9GHi This content is published by Capital Client Group, Inc. U.K. investors can view a glossary of technical terms here: https://www.capitalgroup.com/individual-investors/gb/en/resources/how-to-invest/glossary.html To stay informed, follow us LinkedIn: https://www.linkedin.com/company/capital-group/posts/?feedView=all YouTube: https://www.youtube.com/@CapitalGroup/videos Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2025 Capital Group

    Parker Resources Georgia Football
    2025 GHSA Football Private (A-3A) 3rd Round Playoff Picks

    Parker Resources Georgia Football

    Play Episode Listen Later Nov 27, 2025 7:25 Transcription Available


    hris Parker and Michael Parker go through the Private (A-3A) brackets for a 3rd round preview of the GHSA Football State Playoffs and make an attempt to predict winners.Disclaimer: We have no idea what we are talking about, but provide good bulletin board material and have fun!  Use us for bulletin board material if necessary!

    The ECB Podcast
    The rise of AI, stablecoins and private markets: how stable is the financial system?

    The ECB Podcast

    Play Episode Listen Later Nov 27, 2025 21:42


    When it comes to the risks to financial stability, things seem to have settled down a bit. But with trade tensions, an unpredictable US economic policy, geopolitical issues, a potential AI bubble and the rise of stablecoins, there is plenty to keep an eye on. Has the global environment really become less uncertain? And how do all these factors impact financial stability? To explore these questions and more, our host Paul Gordon speaks with financial stability expert John Fell. The views expressed are those of the speakers and not necessarily those of the European Central Bank. Recorded on 24 November 2025 and published on 27 November 2025. In this episode: 01:25 How stable is the financial system? The EU and the United States reached a trade agreement, and the economic impact of trade uncertainty has been milder than expected. But the full effects of the policy changes are yet to be seen. So, what does this mean for financial stability? 04:14 Is there an AI bubble? The term “AI bubble” is on everyone's lips right now . But bubbles are hard to identify and even harder to differentiate from legitimate growth. So, are valuations stretched? What about market concentration and circular funding in the AI industry? And how exactly are companies funding investment in AI? 06:15 If there is a bubble, what could cause it to burst? There is significant leverage behind AI investments. Returns will largely depend on how widely AI is adopted. Could AI become a general-purpose technology, like the railways did? 08:15 What about the rise of private credit? How do private credit markets differ from equity financing? Why are risks to euro area financial stability increasing as private markets expand? And how does all this relate to systemic risk in the banking sector and the build-up of AI infrastructure? 11:23 Are stablecoins really stable? Despite what the name suggests, stablecoins carry liquidity run risks that could affect financial stability. With rapid growth and increasing links to traditional finance, what risks does this innovation create? 15:11 What's the situation for government financing? Governments have made progress in reducing debt levels since the pandemic. But in some euro area countries, debt remains too high and pressures to increase spending – for instance on defence – are rising. While this poses one of the biggest risks to financial stability, it could also be an opportunity for long-term growth if properly managed. 18:07 What about banks? Given the potential AI bubble, questions around the sustainability of government budgets and the rise in stablecoins, where does this leave euro area banks? Profitability is strong and non-performing loan ratios are historically low. So, how is the banking sector doing overall? 20:13 Our guest's hot tip John Fell shares his hot tip with listeners. Financial Stability Review at a glance https://www.ecb.europa.eu/press/financial-stability-publications/fsr/html/index.en.html Financial Stability Review, November 2025 https://www.ecb.europa.eu/press/financial-stability-publications/fsr/html/ecb.fsr202511~263b5810d4.en.html Chip War, Chris Miller https://www.amazon.de/-/en/Chip-War-Worlds-Critical-Technology/dp/1982172002

    Grain Markets and Other Stuff
    China Buys MORE - "Soybean Farmer" Bessent says they're On-Schedule

    Grain Markets and Other Stuff

    Play Episode Listen Later Nov 26, 2025 12:34


    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.

    Private Parts Unknown (FKA Reality Bytes)
    How Tiffany Wisconsin Built an OnlyFans Empire with Gangbangs, Senior Citizens & Savvy PR—Plus Plastic Surgery BTS

    Private Parts Unknown (FKA Reality Bytes)

    Play Episode Listen Later Nov 26, 2025 37:41


    Save 10% on your next Fleshlight with promo code 10PRIVATE at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fleshlight.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. For the 235th episode of Private Parts Unknown, host Courtney Kocak welcomes OnlyFans creator and adult-content star Tiffany Wisconsin. In this interview, Wisconsin Tiff opens up about leaving a controlling marriage, how OnlyFans became her path to financial independence, and what it took to rebuild her life and career at 37. We also dig into the strategy behind her viral social media marketing, her philosophy around working with “forgotten men” (including virgins and older men), and the realities of large-group scenes and gangbang content that often make headlines. Tiff also speaks candidly about her extensive plastic surgeries. For more from today's guest, Tiffany Wisconsin: Follow Tiff on Instagram @wisco.tiff Check out Tiff's website at thetiffanywisconsin.com Get your copy of Girl Gone Wild from ⁠⁠⁠⁠⁠⁠⁠⁠Bookshop.org⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠. Psst, Courtney has an 0nIyFan$, which is a horny way to support the show: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/cocopeepshow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Private Parts Unknown is a proud member of the Pleasure Podcast network. This episode is brought to you by: Our Sponsor, FLESHLIGHT, can help you reach new heights with your self-pleasure. Fleshlight is the #1 selling male sex toy in the world. Looking for your next pocket pal? Save 10% on your next Fleshlight with Promo Code: 10PRIVATE at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fleshlight.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. STDCheck.com is the leader in reliable and affordable lab-based STD testing. Just go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ppupod.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, click STDCheck, and use code Private to get $10 off your next STI test. Explore yourself and say yes to self-pleasure with Lovehoney. Save 15% off your next favorite toy from Lovehoney when you go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠lovehoney.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and enter code AFF-PRIVATE at checkout. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/PrivatePartsUnknownAds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you love this episode, please leave us a 5-star rating and sexy review! Psst... sign up for the Private Parts Unknown newsletter for bonus content related to our episodes! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠privatepartsunknown.substack.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Let's be friends on social media! Follow the show on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@privatepartsunknown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@privatepartsun⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Connect with host Courtney Kocak ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@courtneykocak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on Instagram and Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Luxury Listing Specialist - Dominate High End Listings In Any Market
    Compass vs. Zillow, Private Listings & Your Legal Risk

    Luxury Listing Specialist - Dominate High End Listings In Any Market

    Play Episode Listen Later Nov 26, 2025 47:44


    In this powerful conversation, luxury specialist Michael LaFido sits down with James Dwiggins—third-generation broker, co-founder of NextHome, and host of Real Estate Insiders Unfiltered—to unpack what's really happening in real estate post–August 17, 2024 and why every agent, team leader, and broker-owner needs to pay attention. James was one of the first voices in the industry to publicly lay out what the commission lawsuits and settlement would mean for real estate professionals, long before most leaders were talking about it. In this episode, he and Michael break down how offers of compensation have changed, why “just put it in the offer” is the safest path forward, and how agents may be unknowingly exposing themselves to steering claims and future litigation. They also dive deep into the high-stakes battle between Compass and Zillow, private networks, and the looming threat of a “private listings war” that could reshape the MLS, crush smaller brokerages, and even push Zillow to become a full-blown brokerage. Throughout the discussion, one theme stays front and center: your fiduciary duty to the consumer, and why transparency and exposure—not secrecy and restriction—are still the best path for both buyers and sellers. In this episode, you'll learn: What actually changed for buyers and sellers after August 17, 2024 Why calling the listing agent to ask “What will your seller pay the buyer's broker?” is a legal landmine How to structure your buyer rep and compensation conversations to reduce risk The real difference between MLS-wide private networks and brokerage-only private networks How the Compass vs. Zillow fight could trigger massive consolidation—and what that means for your future in this business

    Ideal Practice
    Feeling Grateful: Why I Still Believe in Private Practice | IP 173

    Ideal Practice

    Play Episode Listen Later Nov 25, 2025 24:59


    This week, I'm sharing a quick Thanksgiving-week reflection on why I still believe in private practice, even when the work feels hard… along with a simple exercise to help you reconnect with the good stuff in all of this.(If you ever ask yourself if the hassle of owning a business is worth it - that exercise will help.)As we head into the holiday here in the U.S., I know many of you have a lot on your plate.

    SML Planning Minute
    Nine Mistakes Wealthy People Make

    SML Planning Minute

    Play Episode Listen Later Nov 25, 2025 8:23


    Nine Mistakes Wealthy People Make Episode 359 – A few weeks ago we took an in-depth look at some of the things wealthy people understand that the rest of us tend to miss. Today, we'll take a look at the opposite: some financial mistakes that even wealthy people tend to make, and how we can help avoid them. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 359 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: nine mistakes wealthy people make. A few weeks ago, we took an in-depth look at some of the things affluent people understand that the rest of us seem to miss. But even successful, well-educated people do some dumb things. Today, we'll cover the exact opposite of what we did before: some financial mistakes that even wealthy people tend to make. Here are nine of them: Putting too much money into a single investment. Diversification is one of the cardinal rules of investing, but many wealthy people tend to break it. And it's understandable why. So many of the ultra-rich became that way by starting, or investing in, just one or a handful of companies. Elon Musk and Jeff Bezos are great examples of this. At some point, putting too much money into a single investment just creates unnecessary risk. Some employees at companies like Enron and Lehman Brothers put all their retirement savings in their company stock. It worked spectacularly—for a while—but it eventually became almost worthless in a very short time. [1] Very few investors enjoy the measure of success that Musk and Bezos experienced. They can be underinsured. It doesn't really matter how wealthy you are, people make mistakes with their insurance across the board. If you don't have enough homeowner's insurance, it could end up costing you millions if you live in a valuable home.[2] And if you're concerned about your children and grandchildren, life insurance can be an important and efficient way to transfer your wealth to future generations. They have too much personal real estate. Some wealthy people tend to have too many expensive homes in remote places that they rarely visit. And they can be a significant cash drain. If you don't use the place frequently, it may not be worth holding onto it. If you want to vacation in some unusual places, sometimes it may be better to rent.[3] Or if you insist on keeping the place, maybe you should consider renting it out when you're not using it. Trying to keep up with their peers. It's human nature, and the wealthy aren't exempt from keeping up with the Joneses. When we see our friends living it up, it tends to make us want to do the same. And if we're not careful, it could mean significantly less savings and too much debt.[4] Lack of liquidity. Private equity is all the rage these days, but there's a downside. Some people tend to be too optimistic when they buy into illiquid assets. The fact is that for a variety of reasons, most of them don't work out, even if it seems like a great idea. And if it doesn't work out, it can be a drag on your finances for years.[5] Fear of missing out, or “FOMO.” It seems that no one is exempt from this. Believe it or not, a recent study suggested that the wealthy are actually among the worst offenders.[6] Rich people may think they know better than the average investor. But they can be just as susceptible to media hype and/or greed. It pays to keep a long-term perspective and remember the fundamentals. Neglecting estate planning. What do Howard Hughes, Prince, Sonny Bono and Pablo Picasso have in common? They all died with a lot of money but without a will.[7] It seems that the wealthy should all have done at least some rudimentary estate planning. But that's not always the case.Whether you have a lot of money or not, you probably want to make sure it goes to the people or charitable organizations you care the most about. But if you don't have an estate plan, you give up your right to decide these things. And it's not just a will. It can be a succession plan for your business or an advance medical directive.[8] Lifestyle creep. There is a tendency among the wealthy: the more you make, the more you end up spending on things like travel, fancy meals and transportation. There are so many examples of people—such as Michael Jackson or Lindsay Lohan—who overdid it and paid the price later on. The truth is that it's easy to increase your lifestyle, but once you're there, it's much harder to bring it back down. If you're not careful, spending habits can become unsustainable for just about anybody.[9] Not understanding that wealth is about more than money. Newsflash: some of the richest people in the world are terribly unhappy. In the words of author Riley Clendenin, “True financial success isn't just about accumulating wealth—it's about using money as a tool to build a meaningful, balanced life. The smartest investors understand that their financial portfolio is only one part of their overall wealth, and they invest just as much in their health, personal growth, and happiness as they do in their bank accounts.”[10] The ultra-wealthy certainly have the benefit of a bigger cushion when they make a financial error. And they all make mistakes, some big, some little. But the rest of us can also learn something from the errors that wealthy people tend to make, and how to avoid them. [1] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [2] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [3] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” www.fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [4] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [5] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [6] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [7] Phillips Erb, Kelly. “17 Famous People Who Died Without A Will.” Forbes.com. https://www.forbes.com/sites/kellyphillipserb/2016/04/27/17-famous-people-who-died-without-a-will/ accessed October 22, 2025). [8] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [9] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [10] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

    HLTH Matters
    When Innovation Outpaces Regulation: Brian Bewley on How Law and Investment Are Adapting in Healthcare

    HLTH Matters

    Play Episode Listen Later Nov 25, 2025 18:15


    About Brian Bewley: Brian Bewley advises healthcare and life sciences companies, as well as their investors, on complex regulatory, transactional, and strategic matters. He assists clients in navigating federal and state compliance issues, managing regulatory due diligence, and responding to government audits and investigations. His clients include pharmaceutical and medical device manufacturers, hospitals, health systems, digital health companies, managed care organizations, long-term care providers, and private equity firms.Brian has successfully defended organizations in matters involving the False Claims Act, the Civil Monetary Penalties Law, and audits by HHS OIG and CMS. His experience spans Anti-Kickback Statute and Stark Law compliance, drug pricing issues, and Medicare and Medicaid reimbursement. Before entering private practice, Brian served as senior counsel at HHS OIG and as a special assistant U.S. attorney through the Department of Justice Attorney General's Honors Program.A frequent national speaker on health care regulatory topics, Brian also served as a U.S. Peace Corps volunteer in Burkina Faso, West Africa, where he taught science in French in a rural village.Things You'll Learn: Technological innovation in healthcare and the life sciences is advancing faster than current U.S. regulatory frameworks can keep pace.Shifting federal policies, tariff changes, and agency turnover have created uncertainty and slowed investor activity in the sector.New state-level laws are making it more difficult for private equity and venture capital firms to invest in healthcare.Private capital remains a vital driver of innovation, funding technologies that improve efficiency, precision, and patient outcomes.Investor confidence is beginning to rebound as market conditions stabilize and engagement with policymakers increases heading into 2026.Resources: Connect with and follow Brian Bewley on LinkedIn, or reach out via email.Follow Reed Smith LLP on LinkedIn and visit their website.

    The Skinny Confidential Him & Her Podcast
    The Conversations Women Only Have In Private Ft. Lauryn Bosstick & Kenzie Burke

    The Skinny Confidential Him & Her Podcast

    Play Episode Listen Later Nov 24, 2025 73:17


    #910: Join Lauryn Bosstick as we sit down with Kenzie Burke – founder of BRÛLÉ, creative force, & cultural provocateur. Building her empire from the ground up, Kenzie returns to share her journey – from making half a million dollars in two months to facing online backlash, financial struggles, & filing for bankruptcy. In this episode, Kenzie gets real, raw, & honest – reminding us that the comeback hits harder than the fall. She opens up about overcoming personal challenges, rebuilding head-on, evolving constantly, & discovering the resilience to create the brand of her dreams.   To Watch the Show click HERE   For Detailed Show Notes visit TSCPODCAST.COM   To connect with Kenzie Burke click HERE   To connect with Lauryn Bosstick click HERE   To connect with Michael Bosstick click HERE   Read More on The Skinny Confidential HERE   Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode.   Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194.   To shop BRÛLÉ visit https://shopbrule.com.   This episode is sponsored by The Skinny Confidential  Gift with intention this Holiday Season – give the gift of self-care. To learn more visit https://bit.ly/SHOP-TSC.    This episode is sponsored by Nutrafol  Nutrafol is offering our listeners $10 off your first month's subscription plus free shipping when you go to http://Nutrafol.com and use promo code SKINNYHAIR.    This episode is sponsored by Branch Basics Shop Branch Basics in 600+ Target stores nationwide, or http://Target.com. You can also use my code SKINNY15 to get 15% off at https://branchbasics.com/SKINNY15. Again, SKINNY15 for 15% off at https://branchbasics.com/SKINNY15   This episode is sponsored by Bon Charge Just head to http://boncharge.com and your 25% off code will be automatically added to your order.   This episode is sponsored by WeightWatchers Join today at http://WeightWatchers.com.   This episode is sponsored by Synergy Ready to get started on your very own gut health journey? Visit http://SYNERGYDRINKS.com to find your SYNERGY flavor today.   This episode is sponsored by Saks Fifth Avenue   Learn more at http://Saks.com.    This episode is sponsored by BelliWelli Next time you're at Target or Walmart, look for the bright pink BelliWelli lid, or grab it on Amazon or http://Belliwelli.com today. Use code SKINNY at http://BelliWelli.com for 20% off.    Produced by Dear Media

    Dan Snow's History Hit
    John F. Kennedy: Myths vs Reality

    Dan Snow's History Hit

    Play Episode Listen Later Nov 24, 2025 43:41


    John F. Kennedy was a man of charm, power, and contradictions. Behind the public image of the heroic president lay a figure plagued by pain, haunted by his past, and driven by desire.Dan is joined by esteemed biographer Randy Taraborelli to explore Kennedy's private life, delving into his turbulent marriage to Jackie, the domineering influence of his father, and the family secrets that shaped JFK as a president and as a man. Randy's new book is called JFK: Public, Private, Secret and reveals extraordinary insights into the most formative moments of Kennedy's life from the people who knew him best.Produced by Mariana Des Forges, Beth Donaldson and edited by Dougal PatmoreSign up to History Hit for hundreds of hours of original documentaries, with a new release every week and ad-free podcasts. Sign up at https://www.historyhit.com/subscribe.We'd love to hear your feedback - you can take part in our podcast survey here: https://insights.historyhit.com/history-hit-podcast-always-on.You can also email the podcast directly at ds.hh@historyhit.com. Hosted on Acast. See acast.com/privacy for more information.

    Talking Real Money
    Nefarious Non-Profit?

    Talking Real Money

    Play Episode Listen Later Nov 24, 2025 34:45


    Don and Tom go deep on a shady “non-profit” financial education group that funnels retirees into high-commission indexed annuities, using a listener tip to unpack the advisor's fake credentials, mismatched ADV filings, dubious fiduciary claims, and the simple math that reveals where the money really comes from. Along the way, they cover how to investigate advisors yourself, why financial fairy tales persist, and answer listener questions on Avantis gold holdings, private equity's impact on small-cap value, and the quality of Schwab's 529 plan. 0:04 Don's industry rant and a look at the “American Financial Education Alliance” disguise. 1:01 How pseudo-nonprofits target advisors and consumers with “no-sales” sales pitches. 2:20 Tom's take on the recycled seminar game and fake educator designations. 3:40 Listener tip sparks Don's PI dive into the flyer, claims, and contradictions. 4:49 How to vet advisors using BrokerCheck and Form ADV. 5:58 The firm's tiny AUM and impossible economics of their claimed operations. 8:02 The Maryland house vs. the Lakewood Ranch mansion — where the money REALLY comes from. 9:25 The inevitable reveal: indexed annuity commissions driving the whole machine. 10:18 Breaking down the seminar pitch language and the deceptive “market returns without risk” promise. 11:24 Why the sales story collapses under math and dividends. 12:34 The “licensed fiduciary” myth and regulatory reality for small firms. 14:38 How consumers get fooled by the fiduciary framing in seminar mailers. 16:13 Don and Tom dissect the pre-fab radio/TV show factories behind these advisors. 17:19 Why the meeting is the real sales trap — and how to avoid it. 18:48 Don's plea: stop believing financial fairy tales. 19:26 Don jokes about infiltrating steak-dinner seminars undercover. 20:14 Transition to listener Q&A from Maryland: AVDV's gold exposure. 21:26 Why Avantis owns gold miners without being “in gold.” 23:47 Momentum, value screens, and why the gold weight makes sense. 24:26 Gold Hill, Oregon 529 question: Is the Schwab plan good? 25:30 Age-based 529s and Schwab's low-cost structure. 27:28 Private equity fears: will it starve small-cap value indexes? 28:41 Why the concern is mostly a media creation, not an investment reality. 29:48 Don on the IPO–private–IPO cycle and how markets actually work. 30:11 Why private equity performs worse in bad markets. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Practical(ly) Pastoring
    A pastor caught doing WHAT in his Office?!

    Practical(ly) Pastoring

    Play Episode Listen Later Nov 24, 2025 45:09


    Today's episode starts innocently enough with a simple question about office hours……and ends with one of the wildest Reddit pastor stories we've EVER read.We're talking:• Should pastors still keep traditional office hours?• How do you stay available without being chained to a church building?• Where do you meet people for confidential conversations?• How do you build culture when your staff is hybrid or remote?• AND… what happens when a pastor and his wife get “caught” in the church office after hours

    San Diego News Matters
    Reaction to private businesses sharing information from automated license plate readers

    San Diego News Matters

    Play Episode Listen Later Nov 24, 2025 15:25


    First, we get reaction from shoppers about data from l automated license plate readers at the Fashion Valley Mall being shared with law enforcement. Then, we tell you how plans for housing in Clairemont and the College Area are heating up. Next, while new trash bins roll in, we tell you exactly what happens with the old ones. Finally, another installment of our weekly segment, The Pod Behind The Package. Lastly, we tell you about a 15-year old goal that's fallen short.

    Above Par
    The S.U.C.C.E.S.S. Path | Episode 7: Stretch Beyond Golf

    Above Par

    Play Episode Listen Later Nov 23, 2025 5:32


    Welcome to Episode 7 — the final episode of The S.U.C.C.E.S.S. Path series.Today's episode: Stretch Beyond GolfCarl is one of my clients. He's done the work. He's used the tools. He's seen tremendous success on the golf course.But recently, when I asked him what created the most success for him, he sent me a message that stopped me in my tracks.He said: "The biggest thing is that you have one brain and you get to use the tools you give me in all parts of life. Practicing with my aging parents, stepdaughters, daughters, and wife has been the biggest gift you've given me. Golf is just what got us started."He went on: "My appreciation and gratitude for you is off the charts. Don't let it go to your head, but you're an amazing human. FYI, my wife just said she thanks you."Golf was just what got them started. But the real transformation? That happened off the course.In this final episode, you'll learn:Why you have one brain (how you do one thing, you do everything)How the tools work everywhere — STEAR for family relationships, Brain Dump before tough conversations, 18Proud at the end of your workdayWhy practicing self-compassion on the course makes it your default everywhereHow using these tools off the course makes you better on the courseThe complete S.U.C.C.E.S.S. Path roadmap and what comes nextThis is the end of the series, but it doesn't have to be the end of your transformation.Grab the tools in the free Your Mental Caddy community: HereThe Complete S.U.C.C.E.S.S. Path:Episode 1: Start & Commit ✅Episode 2: Use Your Tools ✅Episode 3: Clarify Your Wins ✅Episode 4: Control Your Thoughts ✅Episode 5: Engage in Reps ✅Episode 6: Share & Support ✅Episode 7: Stretch Beyond Golf ✅Continue your mental journey at Your Mental Caddy HERE Join the NEXT Workshop Here Mastering Your Golf Brain - A Guide to Self-Coaching Mastering Your Golf Brain - The Workbook Mental Golf Journal - A Range for Your Brain Are all available at KathyHartWood.com/book Private coaching starts with a Free Discovery Call here: Email Kathy at Kathy@KathyHartWood.com Website: KathyHartWood.com

    Excess Returns
    The Pattern Is Staggering | Mary Ann Bartels on Why This Bull Market Is Just Getting Started

    Excess Returns

    Play Episode Listen Later Nov 23, 2025 55:19


    In this episode, we sit down with Sanctuary Wealth Chief Investment Strategist Mary Ann Bartels to break down her new 2026 outlook. We cover her long-term S&P 500 forecast, why she believes we are still early in a secular bull market, how technological innovation is fueling productivity and profitability, the risks she's watching in 2026, and the case for international stocks, gold, and diversification. Mary Ann also explains why skepticism suggests we are not yet in a true bubble, how valuations fit into today's market, and what investors should understand about cycles, inflation, and long-term compounding.Topics Covered• Secular bull markets and why the long-term trend still points higher• Whether today's market is following historic bubble patterns• AI, technology cycles, and the connection between innovation, productivity, and profits• Why skepticism means we are not yet near euphoria• The 2026 “reset” and how the presidential cycle could affect markets• Valuations, earnings trends, and interest-rate dynamics• Market concentration, structural changes, and the role of mega-caps• Growth vs value and why growth leadership may persist• Why international markets may be entering their own secular bull market• Inflation outlook, tariffs, and what the data now suggests• Private credit concerns and overall financial-system stability• Gold's surge, future targets, and its role as portfolio diversification• Portfolio construction, risk, and the importance of compounding for younger investorsTimestamps00:00 Market patterns, bubbles, and early-cycle dynamics01:00 Introduction02:00 Long-term S&P 500 outlook04:00 Historical bubble analogs and market psychology06:00 Skepticism vs optimism09:00 2026 reset and election-year dynamics13:00 Valuations and PE expansion17:00 Long-term valuation trends17:40 Innovation cycles and economic growth20:20 Productivity, AI CapEx, and profitability21:00 Technology adoption across industries22:20 Digitization and long-term tech layers22:30 Market concentration and structural changes25:00 Why corrections are more frequent27:20 Growth vs value31:00 International markets outlook36:00 Correlations, deglobalization, and opportunity38:40 Inflation short-term vs long-term40:30 Private credit and financial stability43:30 Gold outlook and targets45:40 Diversifying concentrated portfolios48:40 Crypto, private markets, and generational shifts49:20 Key risks for 202651:40 What most investors get wrong53:00 The one lesson for the average investor54:40 Closing

    Keys of the Kingdom
    11/16/25: X-Space Q&A #2

    Keys of the Kingdom

    Play Episode Listen Later Nov 23, 2025 150:00


    Staying focused; Inflammatory Media; "Antifa"; Tyranny; Current events; "Hands-off Leticia? Jacoba?"; Finding the facts; Love for truth; Cancel culture; Stirring up a spirit in the masses; Polio; Healthy body environment; Healing spirit of God; Toxicity; Inspiration; Evidence Jesus existed; Private interpretation?; Homelessness; 2 Thess 3:10 don't work, don't eat; Irrefutable proof?; Social safety net dependency; Adullamites - out of the "way"; Other people's money; Mark Q: Proving Jesus existed - irrefutably; Mark Q: Meaning of "Socialism"; Altars; Corporate capitalism - doesn't die, Golem; Choice remains with the individual; Dependence on community; Logical logos - stay a free people; Harlots, daughters and beasts; Networking; Parrhesia Q: Can we Debate?; Katwellair Q: "Put to Death"?; Stoning?; Binding by love of neighbor; Freewill offerings only; Vengeance belongs to God; Knowing yourself; Strong delusion; Nikki Q: Salvation and being saved?; Salvation or Deliverance; Separation from God; Levels of salvation?; Consequences of sin; Freed from what?; Striving and persevering; Redemption?; Choosing direction; Katwellair Q: Life after death?; Celestial body?; Other dimensions?; Kingdom of heaven is in the moment; The way of God and Christ and Moses; Accessing Holy Spirit; Tree of Knowledge vs Tree of Life; Creatures of Light; Comforting lies; Nikki Q: Blood of Christ? Rom 5:9; Staying with Christ; Repentance; Workers of iniquity; Hearing the cries of your neighbor; Lets God hear you; Obedience; Virtue; Nikki Q: Jesus cancelled our debt?; Paul's audience; Becoming merchandise by covetousness; John 3:17 MIGHT be saved; Accessing salvation; John 5:34; Rom 10:1; Rom 11:14; Christ did His part; We have a part too; Faith compels action unto righteousness; Katwellair Q: Romans 5 - last half; Rom 5:12; Rom 5:19 being made righteous; Gift of faith; Accepting Christ on a spiritual level; Beware of emotional counterfeits of spirit; Early Church activity; Let go of preconceived notions.

    The John Batchelor Show
    S8 Ep111: CONTINUED HEADLINE: Private Space Advances (Blue Origin, Rocket Lab) Challenge NASA SLS, EU Space Law CriticizedGUEST: Bob Zimmerman

    The John Batchelor Show

    Play Episode Listen Later Nov 22, 2025 5:25


    CONTINUED HEADLINE: Private Space Advances (Blue Origin, Rocket Lab) Challenge NASA SLS, EU Space Law CriticizedGUEST: Bob Zimmerman

    Above Par
    The S.U.C.C.E.S.S. Path | Episode 6: Share & Support

    Above Par

    Play Episode Listen Later Nov 22, 2025 4:19


    Welcome to Episode 6 of The S.U.C.C.E.S.S. Path — the 7-day series on the exact steps my most successful clients took to transform their mental game.Today's episode: Share & SupportKaren lives in West Virginia. And she's not the only one in my program from her area — there are quite a few golfers from her community who are members.And here's what happens: they share their wins with each other. They speak the same language. They partner up in tournaments.And when one of them catches herself saying something unhelpful out loud — "I always choke under pressure" — her playing partner, who knows this work, catches it and gently reminds her to shift that thought.They pivot together. And they go on to have amazing rounds.That's the power of community.In this episode, you'll learn:Why you can't do this work alone (I know because I tried for years)What happens when you get stuck in your own head with no one to call out your blind spotsHow community gives you people who get it and can support you in real timeWhy many of my private coaching clients are ALSO active in the communityThe simple practice of sharing one win this week (with anyone)Grab the tools in the free Your Mental Caddy community: [link]Ready for year-long coaching? Learn about Your Mental Caddy Premium: [link]Coming tomorrow: Episode 7 - Stretch Beyond Golf (Carl's story about using these tools with his family — the finale!)Continue your mental journey at Your Mental Caddy HERE Join the NEXT Workshop Here Mastering Your Golf Brain - A Guide to Self-Coaching Mastering Your Golf Brain - The Workbook Mental Golf Journal - A Range for Your Brain Are all available at KathyHartWood.com/book Private coaching starts with a Free Discovery Call here: Email Kathy at Kathy@KathyHartWood.com Website: KathyHartWood.com

    Midjourney : Fast Hours
    Two Midjourney Drops in 48 Hours + Nano Banana Pro Pulls Up with a Nuke

    Midjourney : Fast Hours

    Play Episode Listen Later Nov 22, 2025 67:23


    Drew and Rory pull up to Episode 57 running on fumes and caffeine, only to get smacked in the face by one of the wildest AI weeks of the year. Midjourney drops two new features back-to-back like it's nothing, Google drops Nano Banana Pro into the world like a nuke, and both guys are out here pretending they're emotionally prepared (they're not).They clown themselves for completely misusing Style Creator on day one, break down how user profiles actually work, and speculate on whether v8 is hiding the surgical editing tools everyone's been begging for.Then the Nano Banana Pro segment hits and things get unhinged: micro-edits that used to take an hour now take a second, text layouts that look like a designer touched them, coherence hacks, refraction tricks, split-stack continuity workflows, and some examples from the community that genuinely feel illegal.If you're trying to stay ahead in Midjourney, Gemini, or AI creative workflows in general, this episode is basically the “don't-get-left-behind” starter pack.---⏱️ Midjourney Fast Hour 00:00 – Cold open + Thanksgiving chaos01:16 – Stream kickoff + why this week exploded01:47 – Midjourney drops two features in two days02:23 – First reactions to Style Creator04:52 – How Style Creator confuses everyone at first06:18 – Refining styles + the 5–15 refinement rule07:40 – Style history, safety nets, and code tracking08:36 – Eliminating style-drift anxiety09:25 – What Style Creator still gets wrong10:21 – Smart Search wish-list + missing features11:29 – Does refinement actually improve downstream results?12:15 – Style Creator verdict: fun, but who needs it?13:26 – Ending sessions + saving yourself from randomness14:38 – Style Creator wrap-up15:08 – Midjourney user profiles deep dive17:34 – Spotlight, archive, and profile curation18:43 – Private vs stealth vs public image management20:47 – Social linking + hopping across profiles22:52 – Portfolio potential + what's still missing27:22 – The V8 conversation: what MJ still owes creators29:50 – The editing limitations everyone wants fixed30:24 – Nano Banana Pro enters the chat31:57 – Google's naming chaos (again)32:53 – Nano Banana Pro's first real test: auto-summarizing video35:30 – Split-stacks, keyframes, micro-sequences41:34 – Refraction, distortion, and text-on-glass tricks45:35 – Micro-editing breakthrough examples48:33 – Best platforms for running Nano Banana Pro50:13 – Gemini Studio vs Weavy workflows52:13 – Multi-step layouts: text + objects + composition55:18 – Design briefs, ingestion, and real client examples57:57 – Why every team now needs a Nano Pro person01:01:02 – The “segment anything” Meta update + VFX workflow talk01:03:00 – Minority Report future of editing01:04:20 – Feeling behind while the internet shows off01:05:40 – Lighting setup extraction examples01:06:04 – Thanksgiving scheduling + next week's plan01:06:35 – The “full sprint” AI moment01:07:19 – Outro

    Tagesgespräch
    Samstagsrundschau: Erpressen uns die USA, Bundesrat Parmelin?

    Tagesgespräch

    Play Episode Listen Later Nov 22, 2025 28:42


    Der Zoll-Deal, den Wirtschaftsminister Parmelin mit den USA zimmerte, steht in der Kritik: Kommen nun Chlorhühner und Cyber Trucks? Dürfen die USA die Steuerpolitik der Schweiz mitbestimmen? Und wie lange hält der «Frieden»? Eine Gruppe reicher Unternehmer bereitete im Oval Office mit teuren Geschenken für US-Präsident Trump den Boden – wenig später konnte Wirtschaftsminister Guy Parmelin einen Deal mit den USA verkünden. Die Strafzölle sollen von 39 Prozent auf 15 Prozent sinken. Wie genau liess der Bund die Unternehmer in die Verhandlungen Einblick nehmen? Und welchen Preis zahlt die Schweiz für die Einigung? Wie kann die Schweiz garantieren, dass Private tatsächlich 200 Milliarden Franken investieren und sich die Handelsbilanz ausgleicht? Bundesrat Guy Parmelin nimmt Stellung. Einige Experten bezweifeln zudem, dass mit den USA Ruhe einkehrt, sobald die Absichtserklärung in ein Abkommen umgemünzt ist. Hat sich die Schweiz mit ihrem Nachgeben erst recht erpressbar gemacht? Im Raum steht auch die Frage, was der Zollstreit mit den USA für die neuen Abkommen mit der EU bedeuten. Und ob sich ein Kleinstaat wie die Schweiz neu ausrichten muss, wenn reine Machtpolitik die Oberhand gewinnt. Wirtschaftsminister Guy Parmelin stellt sich den Fragen von Nathalie Christen in der Samstagsrundschau. Ergänzend zum Tagesgespräch finden Sie jeden Samstag in unserem Kanal die aktuelle Samstagsrundschau.

    Learn Norwegian Podcast
    Norwegian-Today's B1 Word: [Å oppleve]

    Learn Norwegian Podcast

    Play Episode Listen Later Nov 22, 2025 1:09


    Send us a textNorwegian-Today's B1 Word: [Å oppleve] Prepping for the Norskprøven? Spend one minute with us every day to master key B1 vocabulary! 

    American Thought Leaders
    How Your Private Data Is Packaged, Sold, and Deployed to Target You | Joe Weil

    American Thought Leaders

    Play Episode Listen Later Nov 21, 2025 60:46


    Most Americans have little understanding of the vast amount of private data harvested from their smartphones by third parties, said Joe Weil, a former Apple product manager and the founder of Unplugged.Where you go, who you associate with, what you like, is all easily discoverable, Weil said.“It's publicly available. It's purchasable.”What's even worse is that the Fourth Amendment does not protect this advertising data, he said. The U.S. government, for example, does not require a warrant to access it.Data brokers sell this data freely, and by applying just a few filters, anyone—foreign governments, intelligence services, criminal cartels—can easily triangulate it to surveil and target individual people or groups, Weil said.“We can't do [surveillance] in China. They can do it here, and it's a huge vulnerability. They can easily find the people they want to take off the board—it's mapped out from our phones,” he said.Weil worked for 10 years at Apple in product strategy before founding Unplugged, a tech company that has built a smartphone designed to block tracking, data harvesting, and behavioral profiling at the system level.​Views expressed in this video are opinions of the host and the guest, and do not necessarily reflect the views of The Epoch Times.

    CarDealershipGuy Podcast
    Fixed Ops Friday with David Rogers, and Kevin Stuckey | Daily Dealer Live

    CarDealershipGuy Podcast

    Play Episode Listen Later Nov 21, 2025 60:10


    Today's show features: David Rogers, Fixed Operations Director at Piazza Auto Group Kevin Stuckey, Platform Director - Fixed Operations at Parkway Family Auto Group This episode is brought to you by: KPA – Escalating fines and enforcement actions are hitting dealers hard across safety, privacy, and F&I compliance. KPA's Complete Compliance Suite is the only all-in-one solution that protects your dealership from every compliance risk. Our integrated software, expert consulting, and award-winning training help you reduce insurance premiums, mitigate liability exposure, and protect your reputation. Learn more at https://kpa.io/automotive/ CDG Circles – A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit https://cdgcircles.com/ to learn more. Car Dealership Guy is back with our second annual NADA Party—happening in Las Vegas on Thursday, February 5th. It's the hottest ticket at NADA 2026. Spots are limited and unfortunately we can't invite everyone —so RSVP today at https://carguymedia.com/cdglive and we hope to see you in Vegas! — Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠https://www.twitter.com/GuyDealership⁠⁠⁠⁠⁠ Instagram ➤⁠⁠⁠⁠⁠ https://www.instagram.com/cardealershipguy/⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠https://www.tiktok.com/@guydealership⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠https://www.linkedin.com/company/cardealershipguy/⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠https://www.threads.net/@cardealershipguy⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠dealershipguy.com

    Above Par
    The S.U.C.C.E.S.S. Path | Episode 5: Engage in Reps

    Above Par

    Play Episode Listen Later Nov 21, 2025 4:30


    Welcome to Episode 5 of The S.U.C.C.E.S.S. Path — the 7-day series on the exact steps my most successful clients took to transform their mental game.Today's episode: Engage in RepsJudy is 80 years old.She listens to my podcast every night as she falls asleep. (Yes, my nasally Rochester voice is apparently very soothing.) She bought one of my programs — Unleash Your Golf — and listened to it over and over and over again.Then she went out and won one of the biggest tournaments for her age group in the Senior Olympics.She showed up to our coaching call with her medal in hand, beaming with pride.At 80, she proved you're never too old to transform your mental game. But here's the real lesson: she didn't listen once and call it good. She did the reps.In this episode, you'll learn:Why mental mastery is a practice, not a one-time lessonHow mental reps build your "default settings" (just like swing reps build muscle memory)Why you'll hear the same information differently each time (and why that matters)What separates golfers who transform from those who just collect informationHow to pick ONE thing to do on repeat this weekGrab the tools in the free Your Mental Caddy community: [link]Ready for year-long coaching? Learn about Your Mental Caddy Premium: [link]Coming tomorrow: Episode 6 - Share & Support (Karen's story about building community and speaking the same language)The S.U.C.C.E.S.S. Path Series:Episode 1: Start & Commit ✅Episode 2: Use Your Tools ✅Episode 3: Clarify Your Wins ✅Episode 4: Control Your Thoughts ✅Episode 5: Engage in Reps ✅Episode 6: Share & SupportEpisode 7: Stretch Beyond GolfContinue your mental journey at Your Mental Caddy HERE Join the NEXT Workshop Here Mastering Your Golf Brain - A Guide to Self-Coaching Mastering Your Golf Brain - The Workbook Mental Golf Journal - A Range for Your Brain Are all available at KathyHartWood.com/book Private coaching starts with a Free Discovery Call here: Email Kathy at Kathy@KathyHartWood.com Website: KathyHartWood.com

    THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
    Should We Sell Our House to Get Out of Debt? What We're Wrestling With as a One-Income Family | 489

    THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.

    Play Episode Listen Later Nov 21, 2025 21:54


    Snag Our Simplified Budget System!Budget besties, whew — grab your tissues and your coffee. In this powerful episode, we sit down with Mackenzie, a wife, mama of two, and full-time working powerhouse navigating a major life pivot after her husband lost his job. Spoiler: this conversation is about so much more than money.From a job loss to reworking their budget and leaning into a new side hustle, Mackenzie walks us through the real life stuff — the stress, the faith, and the tough decisions that so many of us face but don't always talk about.We dig into:

    Dream Keepers Radio
    Who Owns You: The State, The Family, Or Your Trust

    Dream Keepers Radio

    Play Episode Listen Later Nov 21, 2025 63:14 Transcription Available


    Send us fan responses! What if the “law” you feel crushed by is mostly contract—and you've been signing into it with your words, your paperwork, and your presence? We sit down with Don Kilam to pull apart the threads of child support, court process, and identity, and we follow the paper trail to where power really lives: status, trusts, and the private side of life.We start with a hard question: if there's no injured party, is it a crime—or is it commerce? From there, Don lays out how Title IV, Social Security, and public trust mechanisms shape how child support is enforced. He explains why public vs private isn't a slogan; it's a structural decision. Private families operate through trusts, foundations, and contracts they author. Public roles rely on statutes and policies designed for the general welfare. We explore making your name a business, using holding companies, and drafting operating agreements that function like constitutions for your entities.The conversation gets tactical. Affidavits, not emotions, move records. Unrebutted statements can become facts. Certified mail matters. Ask for delegation of authority. Keep everything as exhibits. We interrogate jurisdiction signals like flags and titles, discuss how labels can trap you into statuses you didn't intend, and walk through strategies that have led to case dismissals, reduced exposure, and better protection of income and assets. Don also shares why real wealth is time, health, and people—and why cash, silver, and trustees still matter when systems stall.If you've felt the system is a costume party you never meant to attend, this is your invitation to change clothes. Learn how to author your contracts, correct your status, and protect your family with practical tools and a clearer map of public vs private. If this episode challenges you or opens a new lane of thinking, subscribe, share it with someone who needs it, and drop a review with the topic you want us to unpack next.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

    Excess Returns
    The Risk Isn't Where You Think | Carl Kaufman on AI Capex, Private Credit and the Hidden Bond Play

    Excess Returns

    Play Episode Listen Later Nov 21, 2025 55:54


    In this episode of Excess Returns, we talk with Carl Kaufman, Co-President and Co-CIO of Osterweis Capital Management, about navigating today's fixed income landscape. Carl breaks down the major segments of the bond market, explains how credit and interest rate cycles interact, discusses private credit risks, and shares how he builds durable, low-volatility bond portfolios. Drawing on more than two decades managing one of the top multi-sector income funds, Carl offers clear, practical insights for investors trying to understand yields, defaults, duration, and where returns are most attractive today.Main topics covered:• Overview of investment grade, high yield, leveraged loans, and private credit• How today's credit quality is shifting across the bond market• Why the high yield market may be higher quality than most investors realize• How levered loans and private credit have changed system dynamics• How Carl uses the interest rate cycle and credit cycle to position the portfolio• Why he avoids style boxes and instead buys bonds like a stock picker• The flaws in fixed income indexing and why active management matters more in bonds• How he evaluates companies, business models, leverage, and free cash flow• Why distributors and equipment rental companies are strong long-term bond businesses• The risks of the AI Capex boom and echoes of past bubbles• Where defaults are rising and why private credit concerns may not be systemic• Why his portfolio is short duration and how he uses cash as optionality• How he protects against large drawdowns and manages risk across cycles• His perspective on the Fed, inflation, employment data, and rate cuts• Carl's one investing belief most peers disagree with• The one lesson he would teach every investorTimestamps:00:00 Intro and bond market quality shift01:00 Carl's background and fund philosophy02:42 Defining investment grade, high yield, loans, and private credit08:00 Why high yield quality has improved10:07 The two-cycle approach: interest rates and credit14:31 How today's cycle differs18:03 Why forecasting matters less than knowing where you are18:52 Buying bonds like a stock picker25:28 Index flaws in fixed income26:56 Sectors Carl prefers29:16 Thoughts on AI Capex, Nvidia, and financing trends33:10 Sector concentration in bond portfolios34:51 Position sizing and portfolio construction35:43 Cracks in private credit and default data39:45 Private credit for retail investors40:34 Why Carl is short duration today44:57 Using cash and liquidity as a strategic tool45:44 Risk management and drawdowns47:29 The Fed, inflation, employment, and policy uncertainty53:53 Closing questions: belief peers disagree with54:45 One lesson for the average investor

    Tank Talks
    The Founder's Guide to Life After The Liquidity Event with Chris Canavan of Canavan Private Health

    Tank Talks

    Play Episode Listen Later Nov 21, 2025 45:38


    In this episode of Tank Talks, host Matt Cohen sits down with Chris Canavan, founder and general manager of Canavan Private Wealth, to unpack one of the most confusing and emotionally charged chapters in a founder's journey: life after the liquidity event.Chris brings thirty years of global institutional and private office experience to the table, but his superpower is not managing money. It is designing and running the system around a founder's wealth. After watching countless entrepreneurs exit their companies only to be overwhelmed by advisors, decisions, documents, and emotional pressure, Chris built a model that restores clarity, control, and purpose.He explains how founders lose sight of their instincts amid a fire hose of new advisors promising the world, why trust erodes so quickly after a deal closes, and how fragmented systems lead to panic, confusion, and poor decisions. Chris breaks down the architecture of a modern private office, why most founders rely on sticky notes and spreadsheets, and how his closed-loop operational model gives founders their time back.From early warning signs of wealth fragmentation, to the psychological crash founders face when purpose suddenly disappears, to his triage process for investment opportunities, Chris delivers a brutally honest guide to navigating life after the big exit.Whether you are preparing for a liquidity event or already living through the post-sale fog, this episode shows you what founders get wrong, what they must put in place, and how to build a system that supports your next chapter rather than suffocates it.Spotting the Gaps: Managing the System, Not the Money (03:38)* How advisory silos fail ultra-high net worth individuals* Why communication, not talent, is the biggest weakness in wealth management* The role of the generalist who understands every silo deeply enough to connect them* Why founders need someone three to seven feet deep across all disciplinesFinding the Right Clients and Building Trust-Based Relationships (07:06)* Why fit, values, and authenticity matter more than money* How Chris screens clients who actually want to be helped* Why some founders treat advisors like commodities and how that destroys outcomes* Building long-lasting relationships built on accountability and transparencyManaging Founder Emotions and Behaviors Post-Exit (09:00)* Founders are used to speed, scale, and instant execution* Why slowing down is the hardest adjustment* How Chris handles frustration, urgency, and emotional volatility* The importance of respect and boundaries when multiple advisors and egos collideEarly Warning Signs of Wealth Fragmentation (16:21)* When day-to-day tasks start consuming founder's mental bandwidth* The “black flies in cottage country” analogy* Why founders lose the ability to focus on what matters* The fire hose of advisors and opportunities after an exitHow Chris Evaluates Investment Opportunities for Clients (25:09)* Pain reliever vs. gain creator: the framework for evaluating pitches* Why relationships and trust matter more than projected returns* How Chris filters noise before presenting anything to a founder* The story-first, numbers-second diligence processThe Psychological Crash After a Big Exit (28:17)* Why life will never be the same after selling a company* How society begins to define founders by the name of their exit* The loneliness and loss of identity that shock new millionaires* Why every human needs a sense of purpose to avoid emotional collapseBecoming a Project Manager of Your Own Life (31:45)* Why successful entrepreneurs struggle when their team disappears* Trust-building, listening, and meeting founders where they areHow Chris transitions from advisor to integratorWhy trust cannot be demanded, only earned over timeAdvice for Founders Preparing for an Exit (36:48)* Why founders must build structure before signing final documents* The danger of early engagement with performance-focused advisors* Why founders need an unconflicted advisory boardHow to breathe, slow down, and avoid urgency-driven decisionsThe Future of Private Wealth for Canadian Founders (40:10)* Why founders will disrupt the private office industry* The coming shift from advice to execution* How operational efficiency will redefine wealth managemen* The democratization of systems once reserved for legacy familiesAbout Chris CanavanChris Canavan is the founder and General Manager of Canavan Private Wealth, a private office that provides institutional discipline and operational clarity to ultra-high-net-worth individuals. With a background at global institutions and Big Four firms, Chris specializes in helping founders navigate the complex transition after a liquidity event by managing the systems around their wealth, coordinating advisors, and helping them find renewed purpose.Connect with Chris Canavan on LinkedIn: https://www.linkedin.com/in/chrislcanavan/Connect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

    The Rebel Capitalist Show
    Jeff Gundlach Just Gave Dire WARNING About Private Credit (More Cockroaches)

    The Rebel Capitalist Show

    Play Episode Listen Later Nov 20, 2025 26:09


    Want the cheat code to protect and grow your wealth? Check out Rebel Capitalist Pro https://rcp.georgegammon.com/pro

    The Rational Reminder Podcast
    Episode 384: Mamdouh Medhat - A Profitability Retrospective, and Private Fund Performance

    The Rational Reminder Podcast

    Play Episode Listen Later Nov 20, 2025 80:52


    In this episode, we're joined by Mamdouh Medhat, VP and Senior Researcher at Dimensional Fund Advisors, for an exceptionally deep, exceptionally nerdy exploration of factor investing—focusing on profitability, value, defensive equity, and the persistent misunderstandings that surround them. Mamdouh walks us through his retrospective paper (co-authored with Robert Novy-Marx) on the profitability premium, why profitability subsumes a wide range of quality metrics, and why it dramatically clarifies how we should think about defensive/low-volatility strategies. He also explains the role of profitability in value's US underperformance since 2007, why price-to-book remains a remarkably effective valuation metric, and how Dimensional incorporates these insights into portfolio construction. In the second half of the conversation, we shift to private markets. Mamdouh unpacks Dimensional's research on buyouts, venture capital, private credit, and private real estate—revealing what percentage of the global investable universe these funds actually represent, how to benchmark them properly, how much dispersion exists across managers, how fair-value accounting changed the game post-2007, and why many perceived diversification benefits are actually just return smoothing. Key Points From This Episode: (0:04) Intro to Mamdouh Medhat and why his research fits the Rational Reminder "nerdy happy place." (1:32) The story behind Mamdouh's retrospective paper with Robert Novy-Marx and the impact of the original profitability research on academia and practice. (5:36) Three things the paper examines: quality investing, defensive/low-risk strategies, and value—unified through profitability. (6:55) Why none of the 15 major academic and practitioner quality metrics add explanatory power beyond profitability. (8:18) How spanning tests show profitability explains quality, but quality does not explain profitability. (12:24) Quality measures largely load on profitability—they're noisier versions of the same thing. (13:14) The link between quality metrics and fundamental momentum, especially for QMJ and quarterly ROE. (15:18) Practical implications: profitability is a parsimonious, more efficient way to capture the "quality" dimension. (16:30) Defensive equity through the profitability lens—why high profitability predicts low volatility. (18:58) Why long-only low-volatility strategies produce zero five-factor alpha—and why a simple high-profitability/low-investment portfolio plus T-bills beats them. (22:14) Alternative value metrics (EBITDA/EV, intangible-adjusted book-to-market, etc.) don't outperform price-to-book when profitability is accounted for. (24:57) Many "improved" value metrics simply rotate in profitability exposure, not better value information. (26:17) Roughly half of US value's post-2007 underperformance is explained by its negative correlation with profitability. (28:42) Industry tilts (e.g., energy/financials vs. tech/healthcare) drive much of value's volatility—not its long-term return. (30:33) The theoretical case for combining clean valuation (price-to-book) with clean expected cash flow (profitability). (33:36) Academic implications: models must jointly explain value and profitability—and their negative correlation. (35:09) Practitioner implications: parsimony—use clear valuation and cash-flow measures, limit excessive complexity. (36:53) How Dimensional measures profitability: operating profitability (revenue – COGS – SG&A – interest) scaled by book equity. (41:09) Why tilting toward or away from countries based on aggregate characteristics rarely adds value—premiums come from stocks, not countries. (42:57) Industry-level tilts show similar patterns—industry momentum exists but is impractical due to massive turnover. (46:15) How Dimensional handles country and industry weights: sort within countries, then apply sector caps. (48:27) Private markets: private funds make up roughly 10% of the global investable universe—not 25–100% as sometimes claimed. (50:53) Benchmark choice for private funds is crucial—S&P 500 is not appropriate for buyouts or VCs. (52:00) Using KSPME (public-market equivalent), buyouts and VCs match small-cap value/growth benchmarks; private credit matches high yield; private real estate underperforms listed real estate. (55:50) Factor exposures post-2007 explain 70–80% of private-fund return variation due to fair-value accounting. (1:00:48) Wide dispersion in private-fund performance—top 5% double or triple capital; bottom 5% lose half. (1:03:49) Little evidence of manager persistence—manager selection must rely on due diligence, not past vintages. (1:08:24) No strong time trend in private-fund outperformance, but correlations with public markets have increased. (1:09:13) Many diversification benefits historically attributed to private assets were actually illiquidity-driven smoothing. (1:12:25) Rising demand and democratization likely reduce expected returns in private markets—exclusivity is fading.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582.  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

    CarDealershipGuy Podcast
    The 10-Year Buyout Playbook – Inside the Unicorn-Driven Dealership Model That's Disrupting Auto Retail | Jim Keffer, CEO of Keffer Auto Group

    CarDealershipGuy Podcast

    Play Episode Listen Later Nov 20, 2025 65:36


    Today I'm joined by Jim Keffer, CEO of Keffer Auto Group. We break down his radical 10-year buyout model, why he hunts “unicorn” operators instead of centralizing, and how underperforming rooftops become high-ROI assets. Jim also explains the math behind buying broken stores, the traits that separate true owner-operators, and the coming shakeups he sees from Carvana, CarMax, and digital retailing. It's a candid, transparent look at a model most dealers never get to see up close. This episode is brought to you by: 1. Lotlinx - What if ChatGPT actually spoke dealer? Meet LotGPT — the first AI chatbot built just for car dealers. Fluent in your market, your dealership, and your inventory, LotGPT delivers instant insights to help you merchandise smarter, move inventory faster, and maximize profit. It pulls from your live inventory, CRM, and Google Analytics to give VIN-specific recommendations, helping dealers price vehicles accurately, spot wasted spend, and uncover the hottest opportunities — all in seconds. LotGPT is free for dealers, but invite-only. Join the waitlist now @ Lotlinx.com/LotGPT 2. vAuto - The average car sits 45 days before getting shipped to another store — hoping it'll sell faster somewhere else. But guess what? Once it lands there, it usually sits another 30 days. On paper, that looks fine. In reality, that car's been tying up capital for 75 days — bleeding margin the whole time. The fix? Get the car to the right store on day one — or move it before the clock runs out. Because every day you wait, you're losing gross you'll never get back. Check out vAuto's new guide on centralized inventory management @ ⁠https://www.vauto.com⁠⁠⁠⁠ 3. CDG Circles - A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit @ https://cdgcircles.com/ to learn more. Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ https://cdgcircles.com/ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Topics: 00:08 Biggest challenge in the car business? 00:52 How does the decentralized model work? 03:41 What is the buyout model? 07:08 How to find the right operators? 32:48 How does goodwill depreciation work? 33:15 How to identify and hire talent? 34:01 Biggest used car sales challenge? 37:45 Balancing sales efficiency with customer experience? 58:18 Future of car dealerships? Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

    Bulletproof Dental Practice
    Don't start planning your exit too late!

    Bulletproof Dental Practice

    Play Episode Listen Later Nov 20, 2025 52:15


    The Bulletproof Dental Podcast Episode 415 HOSTS: Dr. Peter Boulden and Dr. Craig Spodak DESCRIPTION In this episode, Peter Boulden and Craig discuss the critical importance of succession planning for dentists, emphasizing that every dentist will eventually need to consider their exit strategy. They explore various pathways for transitioning out of practice, including selling outright, forming partnerships, or selling to private equity. The conversation highlights the significance of understanding practice value, the emotional aspects of selling, and common mistakes to avoid in the planning process. The hosts encourage proactive planning to maximize the value of a dental practice and ensure a smooth transition. TAKEAWAYS Succession planning is essential for all dentists. Timing is crucial in the succession planning process. The value of a practice is often tied to its goodwill and assets. Selling a practice without proper planning can lead to significant losses. Partnerships can provide a smoother transition and better value. Private equity can offer liquidity but comes with risks. Emotional states can cloud decision-making in practice transitions. Clear financial records are vital for successful transitions. Investing in practice growth can enhance future sale value. Planning for succession should start early in a dentist's career. CHAPTERS 00:00 The Importance of Succession Planning 03:39 Understanding Practice Value and Transition Risks 06:31 Exploring Exit Pathways for Dentists 10:21 The Partnership Path: A Long-Term Strategy 14:43 Private Equity: Pros and Cons 20:34 Navigating the Complexities of Selling to PE 27:46 Understanding Liquidity Events and Their Impact 30:18 Optimizing for Different Business Paths 32:52 Investing for Growth and Value Creation 35:24 Avoiding Common Mistakes in Dentistry 37:09 The Importance of Planning for the Future 43:36 Building Successful Partnerships in Dentistry 50:22 Final Thoughts and Future Endeavors REFERENCES Bulletproof Summit Bulletproof Mastermind  

    Above Par
    The S.U.C.C.E.S.S. Path | Episode 4: Control Your Thoughts

    Above Par

    Play Episode Listen Later Nov 20, 2025 5:43


    Welcome to Episode 4 of The S.U.C.C.E.S.S. Path — the 7-day series on the exact steps my most successful clients took to transform their mental game.Today's episode: Control Your ThoughtsBecky texted me before a state tournament. She was nervous — more than nervous. She didn't think she belonged there. Everyone else seemed better.So I sent her one thought: "You belong. You're as good as any of those players."She said it a thousand times that day. Over and over. One thought, on repeat.And she went out and shot 69 — about 10 strokes better than her usual tournament score.One intentional thought changed everything.In this episode, you'll learn:How your thoughts create your emotions, your emotions drive your actions, and your actions create your resultsWhy your brain defaults to "keep you safe" thoughts (and why they're usually crappy)How to catch unhelpful thoughts and replace them with Power ThoughtsWhy Becky said it a thousand times (that's the practice, that's the reps)How to use this process anywhere in your life — not just golfGrab the tools in the free Your Mental Caddy community: [link]Ready for year-long coaching? Learn about Your Mental Caddy Premium: [link]Coming tomorrow: Episode 5 - Engage in Reps (Judy's story about doing the reps at 80 years old and winning the Senior Olympics)The S.U.C.C.E.S.S. Path Series:Episode 1: Start & Commit ✅Episode 2: Use Your Tools ✅Episode 3: Clarify Your Wins ✅Episode 4: Control Your Thoughts ✅Episode 5: Engage in RepsEpisode 6: Share & SupportEpisode 7: Stretch Beyond GolfContinue your mental journey at Your Mental Caddy HERE Join the NEXT Workshop Here Mastering Your Golf Brain - A Guide to Self-Coaching Mastering Your Golf Brain - The Workbook Mental Golf Journal - A Range for Your Brain Are all available at KathyHartWood.com/book Private coaching starts with a Free Discovery Call here: Email Kathy at Kathy@KathyHartWood.com Website: KathyHartWood.com

    Beyond The Mask: Innovation & Opportunities For CRNAs
    Profits Over Patients: Exposing the Impact of Private Equity in Healthcare

    Beyond The Mask: Innovation & Opportunities For CRNAs

    Play Episode Listen Later Nov 20, 2025 29:26


    Private equity is reshaping healthcare—but at what cost? In this eye-opening episode of Beyond the Mask, Sharon and Jeremy welcome back Daniel King, DNP, MNA, CRNA, CPPS, CNE and Jennifer Banek, MSN, MHA, CRNA for a candid conversation about how private equity ownership affects anesthesia and beyond. They explain how investor-driven models prioritize profit over patient care, share real-world stories of unsafe conditions and staff cutbacks, and reveal how financial engineering often leaves hospitals saddled with debt. Keep in mind, not all private equity is bad or creates the problems we discuss in this episode. Here's some of what you'll hear in this episode:

    Childish
    Episode 217 - Saving Private Rosen

    Childish

    Play Episode Listen Later Nov 19, 2025 58:59


    Greg has a Skankfest-borne illness this week and Alison is trying to control the language in her house. Follow Childish: twitter.com/childishpod instagram.com/childishpod Follow Greg: twitter.com/GregFitzShow instagram.com/gregfitzsimmons Follow Alison: twitter.com/AlisonRosen instagram.com/alisonrosen Our Lovely Sponsor! RulaGo to rula.com/childish and take the first step towards better mental health today.

    Grain Markets and Other Stuff
    Higher Soybean Prices = NO FARM AID? Here's What We Know...

    Grain Markets and Other Stuff

    Play Episode Listen Later Nov 19, 2025 11:07


    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.

    CarDealershipGuy Podcast
    Terrell on QB to GM, Daly/Chodor on NADA, Scott on Content Creation | Daily Dealer Live

    CarDealershipGuy Podcast

    Play Episode Listen Later Nov 19, 2025 61:16


    Today's show features: Zach Terrell, General Manager at Zeigler Auto Group Devin Daly, Co-founder & CEO of Impel Ben Chodor, CEO of CallRevu Gray Scott, Former VP of Marketing of Ultimate Toys, Inc This episode is brought to you by: KPA – Escalating fines and enforcement actions are hitting dealers hard across safety, privacy, and F&I compliance. KPA's Complete Compliance Suite is the only all-in-one solution that protects your dealership from every compliance risk. Our integrated software, expert consulting, and award-winning training help you reduce insurance premiums, mitigate liability exposure, and protect your reputation. Learn more at https://kpa.io/automotive/ Impel – Dealers everywhere are delivering concierge-level customer experiences with Impel's AI Operating System. Learn how to ditch disjointed customer engagement at https://impel.ai/CDG CallRevu – AI-powered communications intelligence platform that helps dealerships turn every phone call into a revenue opportunity. Learn more at https://www.callrevu.com/ CDG Circles – A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit https://cdgcircles.com/ to learn more. Car Dealership Guy is back with our second annual NADA Party—happening in Las Vegas on Thursday, February 5th. It's the hottest ticket at NADA 2026. Spots are limited and unfortunately we can't invite everyone —so RSVP today at https://carguymedia.com/cdglive and we hope to see you in Vegas! — Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠https://www.twitter.com/GuyDealership⁠⁠⁠⁠⁠ Instagram ➤⁠⁠⁠⁠⁠ https://www.instagram.com/cardealershipguy/⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠https://www.tiktok.com/@guydealership⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠https://www.linkedin.com/company/cardealershipguy/⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠https://www.threads.net/@cardealershipguy⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠dealershipguy.com

    The Opportunist
    Steven Tomkins: Public Office, Private Gain

    The Opportunist

    Play Episode Listen Later Nov 17, 2025 36:31


    Suffolk County Sheriff Steven Tompkins rose to power as a reformer promising justice and change within Boston's jail system. But in this episode of The Opportunist, Sheriff Steven Tomkins' story reveals how a crusade for reform became a vehicle for power, loyalty, and personal gain.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.