Podcasts about pushes

What happens when everything seems to go wrong at once? Pastor Jeff Schreve shares a personal story of frustration, adversity, and failure—and reveals how God uses difficult circumstances to expose what's really in our hearts. Discover why your attitude matters more than your circumstances and how to respond in a way that honors the Lord when life doesn't go as planned.

In this episode of the 47 Morning Update w Ben Ferguson Ben examines the Trump administration’s latest sanctions strategy against Iran, the significance of increased commercial traffic through the Strait of Hormuz, the impact of the ongoing naval blockade, and reports that the United Arab Emirates has suspended trade ties with Tehran. They discuss how economic pressure, regional diplomacy, and energy markets are shaping the next phase of the conflict and what these developments could mean for Iran’s leadership and broader Middle East stability. Iran is under mounting economic pressure as renewed U.S. sanctions, a naval blockade, and shifting regional alliances tighten the squeeze on Tehran. With shipping traffic reportedly increasing through the Strait of Hormuz while Iran’s oil exports fall, the debate is shifting from military confrontation to whether economic isolation can force the regime to change course. President Trump has announced what he calls the most aggressive economic campaign ever directed at a foreign government, arguing that Iran failed to take opportunities for negotiation and now faces unprecedented financial consequences. At the same time, reports of a collapsing currency, shrinking trade channels, and new restrictions from regional partners have fueled questions about the regime’s long-term stability. Topics Covered: President Trump’s “Economic D-Day” sanctions announcement Shipping traffic and security in the Strait of Hormuz The impact of the U.S. naval blockade on Iran’s economy The decline of Iran’s currency and growing inflation pressures The United Arab Emirates’ reported suspension of trade with Iran Global efforts to isolate Tehran through financial and commercial restrictions Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

You're allowed to ask questions. Hearing "no" from an oncology team about a supplement can leave you feeling confused, intimidated, or unsure of what questions to ask next. In this episode, I break down some of the most common concerns I hear around supplements during cancer treatment, including homeopathic remedies, probiotics, organ meat supplements, and Quinton marine plasma minerals. This isn't about choosing conventional medicine over integrative support or the other way around. It's about understanding the concerns, recognizing where nuance matters, and learning how both approaches can work alongside one another. We'll look at why different supplements raise different safety questions, what responsible use can look like, and how having better information can help you advocate more confidently for your child. Because asking questions isn't being difficult. It's part of making informed decisions about your child's care.   LINKS Recommended Tools & Resources: The Untoxin Method If you've spent months caring for everyone else while putting your own health last, the Untoxin Method is created for you. This guided 21-day detox program includes a prep week, a 7-day reset, and a gradual transition back to everyday life. You'll receive: A complete detox supplement kit Simple, done-for-you meal plans A step-by-step daily protocol Live coaching and accountability A supportive community of parents and caregivers who understand the journey If you're ready to restore your energy and prioritize your own healing, learn more and register here: https://seasonjohnson.info/join-today   Fullscript (Practitioner-Grade Supplements) If you're looking for high-quality, practitioner-grade supplements to support your health, Season has created a hand-curated Fullscript dispensary with the exact products she trusts and uses in practice. You'll also receive 15% off your first order plus 5% off for life as a podcast listener. https://bit.ly/seasonsfullscript   Community & Support: Join Thrive Through Cancer Community: https://biodynamicwellness.com/thrive-through-cancer  Thrive Beyond Cancer Program: https://biodynamicwellness.com/thrive-beyond-cancer Learn More About Biodynamic Wellness: https://biodynamicwellness.com   Connect with Season: Website: seasonjohnson.com Follow along on Instagram: @seasonjohnson Follow Season on Facebook: Season Johnson

Episode #1432: Ben Hadley, CEO of Auto Genius joins as guest host and we look at automakers getting more comfortable handing key tech duties to Silicon Valley, Polestar still searching for answers after its U.S. setback, and Goodyear turning tire servi...

Canada pushes back

BTC jumps 10% on the day after Trump's White House meeting with crypto CEOs. Bitcoin climbed toward $72,000 after President Trump urged Congress to pass the Clarity Act at a White House crypto event. Treasury debt buybacks and a rally in crypto equities added fuel. CoinDesk's Jennifer Sanasie hosts "CoinDesk Daily." - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Find out more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ realfi.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. - This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.

The Pete Alonso controversy gets even louder as Evan Roberts and Tiki Barber compare the stunned reactions from Yankees and Orioles broadcasters after Alonso's apparent home run remained a foul ball. Even Yankees voices admit they caught a break, while Baltimore's broadcasts are left furious over a decision that looked impossible to explain from the angles shown on television. Then the frustration turns into conspiracy talk, with Orioles radio questioning whether the New York-based replay center somehow favored the Yankees. Evan and Tiki dismiss that theory while explaining why the original call on the field was so difficult to overturn. Aaron Boone also weighs in with the one opinion almost nobody else seemed to share: he thought the ball was foul.

Stiz pushes back on Willson Contreras fan interaction

New Cache District schools -- UDOT wants your input on "Western Cache Corridor" -- Mike Lee pushes HHS to speed reclassification of Type I diabetes treatment

Shannon Sharpe, Chad “Ochocinco” Johnson and Iso Joe Johnson react to the Buss family Lakers drama, Mark Walter’s short Lakers era and the NBA’s update on Kawhi and Clippers investigation! Subscribe to Nightcap presented by PrizePicks so you don’t miss out on any new drops! Download the PrizePicks app today and use code SHANNON to get $50 in lineups after you play your first $5 lineup! Visit https://prizepicks.onelink.me/LME0/NI... 00:00 - Introduction05:00 - Jeanie Buss and the Lakers38:50 - Mark Walter's Short Lakers Era Was Filled With Controversy42:05 - NBA Pushes Back on ESPN's Clippers Investigation Report (Timestamps may vary based on advertisements.) #ClubSee omnystudio.com/listener for privacy information.

We're the most over-parented generation in history, yet woundedness and estrangement keep rising. Psychotherapist Matthias Barker explains why: even loving acts, when driven by fear instead of trust, land on kids as pressure. A question feels like interrogation, concern feels like judgment. Barker walks through how this plays out across generations and what it takes for parents to move past their own defenses and truly see their child's heart. Resources: Sign up for THINQ Summit 2026 October 1-3 in Nashville, TN. Host a THINQ Dinner—Learn More & Sign Up You may also like Parenting in a Chaotic Culture by Trillia Newbell on THINQMedia.com. Take the THINQ Assessment to help you understand how you naturally think, learn, and grow in your faith. Bring THINQ talks and conversations into your local community with THINQ Local. Subscribe to THINQ News & Data to receive news stories every Thursday delivered directly to your inbox. Create a free THINQ Account and download the THINQ Media app on your smart TV to access more trusted content like this on topics from all channels of culture at thinqmedia.com. Apply the THINQ Framework as you think through cultural topics. Host a THINQ Let's Talk conversation series in your home:  Let's Talk Tech Detox Let's Talk Relationships Let's Talk Civility Let's Talk Mental Health Let's Talk Politics More from the THINQ Podcast Network: Rhythms for Life with Rebekah & Gabe Lyons The InFormed Parent with Suzanne Phillips NextUp with Grant Skeldon NeuroFaith with Curt Thompson UnderCurrent with Gabe Lyons Now on YouTube! Subscribe, Like, and Share:  THINQ Media UnderCurrent with Gabe Lyons NextUp with Grant Skeldon Rhythms for Life with Rebekah and Gabe Lyons The InFormed Parent with Suzanne Phillips  

Day Break | Flock Surveillance Spreads, Socialism Surges & Trump Pushes for Peace --- 00:00 - Monologue 19:12 – Eric Metaxas, author of seven New York Times bestsellers, including his million-selling biography of Dietrich Bonhoeffer. Metaxas discusses his forthcoming book, REVOLUTION: The Birth of the Greatest Nation in the History of the World, exploring America's founding, the revolutionary principles behind the nation, and why that history remains relevant today. 28:12 – Dr. Michael Hutchison, inventor of the NeuroGuard+. Dr. Hutchison discusses the NeuroGuard+ mouthguard and its approach to concussion prevention and sports safety. He highlights testing conducted at Michigan State University and Wayne State University and explains the technology behind the product and its potential benefits for athletes. Learn more at NeuroGuardPlus.com. 38:23 - Monologue Featuring Ivey Gruber 47:25 – Rey “R.T.” Trevino, oil and gas expert and operator of Pecos Country Energy, a privately owned exploration and production company headquartered in Fort Worth. Trevino discusses reports that the U.S. Strategic Petroleum Reserve has fallen to its lowest level since 1983, examining what that means for American energy security, oil markets, and the country's ability to respond to future supply disruptions. 57:37 – Joshua Philipp, award-winning journalist and Senior Investigative Reporter at The Epoch Times, as well as host of The Joshua Philipp Show and Crossroads. Philipp discusses “crypto communism,” examining how communist ideology can evolve, operate under different labels, and influence modern political and cultural movements. 1:06:33 – Scott Greer, author, writer, and podcaster. Greer discusses his book Whitepill: The Online Right and the Making of Trump's America, exploring the evolution of the online right, its relationship with Donald Trump's political movement, and the role internet culture has played in reshaping American politics. 1:16:43 - Monologue 1:25:44 – Michael Letts, law enforcement veteran with more than 30 years of experience and Founder, President, and CEO of InVest USA. Letts discusses reports that ICE could spend up to $20 million on electric-shock gloves, examining the technology, its potential law-enforcement applications, and questions surrounding officer and detainee safety. 1:35:58 – Mollie Engelhart, regenerative farmer and rancher at Sovereignty Ranch. Engelhart discusses reports of lactation in steers at conventional feedlots, examining available data and the questions the phenomenon raises about growth implants, livestock management, and modern agricultural practices. 1:44:52 – Ivey Gruber, President of the Michigan Talk Network. Gruber joins Steve for their regular conversation and commentary on the latest news, culture, and stories of the day. --- Check out our brand new podcast, 'Forgotten America'... Episode 24 is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/UrGZQdE62jA

CMS Superintendent Crystal Hill is back in the driver's seat, but we still know little about what led to her suspension. Democrats on City Council are uneasy about CMPD's push to apply for a federal “Make America Safe Again” grant. We'll tell you why. Plus, the latest on campaigns in western North Carolina and South Carolina.

Through yoga nights, karaoke and affordable dinners, Legion branches across the country are making a big play to welcome new members in its 100th year — not only to fill needs in the community and provide third spaces for a younger generation, but also to ensure they can continue surviving.

Zander Krause challenges the claim that Drake Maye is already better than Jalen Hurts and explains what context the comparison misses.Privacy & Opt-Out: https://redcircle.com/privacy

This Day in Legal History: Andrew Johnson Suspends Secretary StantonOn August 12, 1867, President Andrew Johnson suspended Edwin Stanton, his Secretary of War, and installed General Ulysses S. Grant to run the department temporarily. It was a quiet-sounding personnel move that lit the fuse on one of the great constitutional confrontations in American history—and it turned on a question we still argue about: how much control a president has over the officials who serve beneath him.The context was Reconstruction. Stanton was a close ally of the Radical Republicans in Congress, and as Secretary of War he controlled the Army's presence across the defeated South, including the Freedmen's Bureau—making him essential to Congress's plans to remake the region and protect the newly freed. Johnson, who bitterly opposed that agenda, wanted Stanton gone. But Congress had anticipated exactly this: it had passed the Tenure of Office Act, which barred the president from removing a Senate-confirmed cabinet officer without the Senate's consent. Johnson, trying to thread the needle while Congress was in recess, suspended Stanton rather than firing him outright. When the Senate later refused to concur and Johnson removed Stanton anyway in early 1868, the House impeached him—and he survived removal in the Senate by a single vote.The significance of August 12, 1867 reaches all the way to the present. The Tenure of Office Act was eventually repealed and, decades later, the Supreme Court in Myers v. United States suggested it had been unconstitutional all along, endorsing a robust presidential removal power—the same removal-power debate that traces back to the very first Congress and runs through today's fights over the independence of agencies and prosecutors. Johnson's clash with Stanton is the original American showdown over whether a president can be checked in the control of his own executive branch. And on a day when we've got a story about the White House leaning on the Justice Department, that 159-year-old question feels remarkably current.A federal appeals court has thrown out the government formula at the heart of the law meant to protect patients from surprise medical bills—handing a significant win to doctors and hospitals over insurers. Sitting en banc, all seventeen judges of the Fifth Circuit issued an unsigned opinion mostly siding with physicians and air-ambulance companies, and invalidating a federal rule as going beyond what Congress actually authorized in the No Surprises Act. Here's how this works, because it's less about patients than it sounds. The No Surprises Act protects you, the patient—if you get care from an out-of-network provider in an emergency, you only owe your normal in-network cost-sharing. The fight is over who pays the rest: the insurer or the provider. That gets decided in arbitration, and the key benchmark is something called the “qualifying payment amount,” or QPA. Whoever controls how the QPA is calculated basically controls who wins. The court found that federal agencies had let insurers game that number—by baking in so-called “ghost rates,” contracted amounts for services that providers never actually deliver, which dragged the benchmark down in insurers' favor—and by improperly excluding bonus and incentive payments. The significance is twofold. Substantively, it rebalances a high-stakes payment fight away from insurers and toward providers. But the deeper theme is administrative law: this is a court holding that agencies rewrote a statute to favor one side beyond what Congress wrote—exactly the kind of post-Chevron scrutiny of agency rulemaking we've been tracking all summer. The patient protections stay; the multibillion-dollar question of who pays just got sent back to the drawing board. US appeals court voids formula used to avert surprise medical bills | ReutersAmerican Medical Association · Bloomberg LawA federal judge has blocked the U.S. Postal Service nationwide from enforcing the mail-in voting restrictions in President Trump's executive order—and if this story sounds familiar to longtime listeners, it should. U.S. District Judge Indira Talwani in Boston expanded an order she first issued in June, which had covered 23 states, into a nationwide injunction. Under the executive order, the Postal Service was supposed to gather state lists of eligible voters and deliver absentee ballots only to people on those lists; Talwani's ruling bars USPS from refusing to deliver mail ballots based on those new federal verification requirements. Her reasoning is the same principle we keep coming back to: the executive branch, she wrote, has no authority to regulate elections—that power belongs to the states under the Constitution. And she stressed the timing, noting it's now less than 90 days before the November 3 midterms, which makes it especially important not to let the federal government change election rules on the eve of the vote. This connects to the entire voting-rights arc we've followed—the administration's 0-and-21 losing streak on voter rolls, the Supreme Court emergency application, the Voting Rights Act anniversary. The significance is that the courts continue to hold a firm, near-unbroken line: however much the administration wants federal control over how Americans cast and count ballots, judges keep ruling that elections are run by the states, and the closer we get to November, the more urgently they're saying it. Judge blocks US Postal Service from restricting mail-in voting | ReutersNPR · US NewsThe White House has reportedly asked the Justice Department to explore bringing new charges against David Hearn—the former Olympian in the Reflecting Pool case—just over a week after the department dropped the case because its own evidence showed he didn't do it. Recall the sequence: Hearn was indicted on a felony for allegedly damaging the Lincoln Memorial Reflecting Pool, but prosecutors then moved to dismiss, telling the court that newly disclosed documents showed the damage came from a botched renovation, not vandalism. According to sources, President Trump was furious at U.S. Attorney Jeanine Pirro for dismissing the case, and the White House has since asked the department to examine whether there's a basis for a new charge—possibly a misdemeanor. The talks are described as preliminary, with no decision made, and Congressman Jamie Raskin has already launched a probe into the whole affair. Here's why this is legally striking. The decision to drop the case wasn't a technicality—it was the government concluding, on the evidence, that the underlying premise was false. To now go looking for new charges against the same person, at the White House's urging and reportedly out of the president's personal anger, raises the specter of vindictive prosecution—using the charging power not to pursue justice but to punish. The significance goes to the core of prosecutorial independence, the theme running through the Blanche confirmation fight and beyond: charging decisions are supposed to be driven by evidence and law, not by a president's displeasure that a case was dropped. It's a live test of whether that line still holds. Trump White House asked DOJ to explore new Reflecting Pool charges, sources say | ReutersUS News · MS NOWAnd finally, the law graduates who suffered through California's disastrous 2025 bar exam have reached a settlement in their class action against the company that administered it. You may remember the debacle: the February 2025 California bar exam, run by the vendor Meazure Learning, collapsed into login failures, software crashes, frozen screens, and lost answers, throwing thousands of aspiring lawyers into chaos on the single most important test of their careers. That fiasco spawned multiple lawsuits—the test-takers' claims were consolidated into a class action in federal court—as well as a state audit and a legislative inquiry. This settlement resolves the graduates' own case, and it's distinct from the separate deal the State Bar itself reached with Meazure last month, in which the vendor agreed to pay the Bar $5.25 million and forgive $1.36 million in unpaid invoices. The significance connects directly to a story we covered a couple of weeks ago—the meltdown of the new NextGen exam in Washington State. Two different states, two different vendors and formats, the same underlying failure: the high-stakes gateway to the legal profession buckling under basic technology problems, and leaving the people trying to enter the profession to pick up the pieces. These settlements put a price on that failure—but they also intensify a growing question about whether the bar exam, as currently built and administered, is a reliable way to license lawyers at all. Law grads reach settlement in class action over botched California bar exam | ReutersBloomberg Law · ICLG This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Can you help me make more podcasts? Consider supporting me on Patreon as the service is 100% funded by you: https://EVne.ws/patreon You can read all the latest news on the blog here: https://EVne.ws/blog Subscribe for free and listen to the podcast on audio platforms:➤ Apple: https://EVne.ws/apple➤ YouTube Music: https://EVne.ws/youtubemusic➤ Spotify: https://EVne.ws/spotify➤ TuneIn: https://EVne.ws/tunein➤ iHeart: https://EVne.ws/iheart MAEXTRO MPVS TAKE 3,500 ORDERS IN A DAY https://evne.ws/7igci TYPHOON DOLPHIN PUSHES LEAPMOTOR A05 LAUNCH TO 11 AUGUST https://evne.ws/pvj82 ZEEKR 7X CATCHES FIRE IN NINGBO AFTER EARLIER COLLISION https://evne.ws/6bjv9 ZEEKR 7X SELLS 1892 IN JULY, ENTERS AUSTRALIA'S TOP 10 https://evne.ws/25n2p SAIC LISTS MG 07 PHEV WITH 245KM (152 MILES) ELECTRIC RANGE https://evne.ws/vcs01 CATL AND BYD BOTH SET 2027 SOLID-STATE TRIAL PRODUCTION https://evne.ws/e5sco CATL'S 350 WH/KG AVIATION BATTERY PASSES TWO-CELL PROPAGATION TEST https://evne.ws/6x7bx CHINA-BUILT VEHICLE IMPORTS TO CANADA REACH 9,813 OF 24,500 QUOTA https://evne.ws/fmppl DONGFENG MENGSHI X700 FILES WITH MIIT IN TWO HYBRID FORMS https://evne.ws/ag02l CAC NAMES CAI SHEN DAO FOR FALSE PRODUCT EVALUATIONS https://evne.ws/5vdqm

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A judge calls Meta a “public nuisance” and compares social media harm to air pollution. That line hits hard because it forces the real question: if the damage is baked into engagement and ad targeting, what kind of fix is even possible? We dig into the record child safety fine, the idea of “mitigation funds,” and why accountability gets messy when platforms are both the marketplace and the referee.Then we jump to a story that's funny right up until it isn't: Google's AI Overview repeats a meme as if it were fact, claiming license plate reader cameras are packed with gold and copper. We unpack what AI hallucinations mean when search becomes “answers” instead of links, how misinformation can drive real-world behavior, and why verifying sources matters more now than ever.On the security front, we break down phishing-as-a-service aimed at Microsoft 365 accounts, including spoofed RingCentral messages, email authentication gaps (SPF, DMARC, DKIM), and the simple habits that keep a bad click from turning into a full compromise. We also take a breather with Gwen's gadget pick: a Kickstarter breakfast robot that cracks and cooks eggs and syncs a toaster so it won't “scare” you, plus our whiskey tasting and a data-driven teardown of the Tesla Cybertruck's flop era.If you like smart tech news with humor and practical takeaways, subscribe, share the episode with a friend, and leave us a review. What's the last “AI answer” you trusted that turned out to be wrong?Send us Fan MailSupport the show

At the University of Utah, there's a push from some student groups to have the university be declared a "sanctuary campus." School leadership is expected to meet with those students today, saying they will hear their concerns and issues. But in the end… can a public university in the state of Utah even do what these students are asking? KSL Legal Analyst Greg Skordas shares some insights in this version of "Ask the Attorney."

State and local leaders are suing the federal government after alleging that Immigration and Customs Enforcement quietly broke ground on a proposal to build an ICE facility in Gilroy. Santa Clara County leaders and a number of other Bay Area cities, counties and community groups, have banded together to put a stop to the plan. At a recent press conference, members of San Jose's Japanese American community also spoke out, drawing parallels to the incarceration of Japanese Americans during World War II. Learn more about your ad choices. Visit megaphone.fm/adchoices

This post officially kicks off my Venice Immersive 2025 coverage, see links to all 38 episodes and 30+ hours of interviews down below. We're starting off with the interview that I did with Doug Liman (co-founder of 30 Ninjas), Julina Tatlock (co-founder of 30 Ninjas), & Jed Weintrob (co-founder of 30 Ninjas), & Max Spear (Product Lead of Android XR at Google) about Asteroid on Saturday, August 30, 2025 at Venice Immersive in Venice, Italy. Here is the story synopsis for Asteroid: "Asteroid is an immersive film and interactive story extension made for the launch of Google's new Android XR platform. The 180° immersive short film is a high-stakes action thriller about a group of strangers who take an old Russian Soyuz rocket to mine a near-earth, treasure laden asteroid for a chance at unimaginable wealth. After the film, the experience continues and the audience enters the world of Asteroid when they receive an SOS from one of the characters, DK Metcalf, who was left for dead. The viewer becomes a player when they are invited to aid in DK's rescue. Through speaking with an AI-generated version of DK — played by the NFL player as himself — the user determines the truth about what happened on the asteroid and sends his exact location to NASA for rescue." Here are the contextual domains that are explored: Long distance travel [9] where someone is left behind (de facto exile) [12], and there is a rescue mission where you as a character [1] help out the protagonist [7] in the second half, but also a lot of mystery [12] to figure out and investigate [9] Here is the Elemental Center of Gravity: 1st Center of Gravity of Emotional Presence: cinematic Virtual Reality thriller that begins as a film and continues as an immersive story game. Combination of live-action 180-video along with CGI-driven animations also in 180-video2nd Center of Gravity of Earth Element / Environmental and Embodied Presence: Worldbuilding of sci-fi extraction of asteroid, you embody a character in story in the last part, and you break the fourth wall in the onboarding talking to the actor who plays a character via AI3rd Center of Gravity of Air Element / Mental and Social Presence: Conversational-driven AI Story Extension - You talk to the actor DK Metcalf at the beginning and with the character at the end. A bit of puzzling together of the myserious aspects of the story4th Center of Gravity of Fire Element / Active Presence: continues as an immersive story game - Improv convo + slightly nudged and directed exploration Archetypal Themes and Character Explored: Everyone are anti-heroes archetypes - Power and Greed vs Limitations, constraints, boundaries, death. Doug Liman says there aren't many anti-heroes in space movies, Han Solo is an exception. What if all of the characters were Han Solos? What drama would ensue? Artist Statement: "I've always thought of myself as an immersive filmmaker. The goal was to put the audience in the action, not to be sort of passively watching it. Now that the technology has caught up with us, I really can put the audience in the rocket. Asteroid is the story of a ragtag group of astronauts who booked a ride on a used Soyuz spacecraft. An asteroid passes near Earth. It's laden with precious metals and gems. If you can get there, you can become insanely wealthy. It's a modern gold rush." Trailer: https://vimeo.com/1163762576/d0d75004c2?fl=pl&fe=vl You can find links to my 30+ hours of my coverage from Venice Immersive 2025 across 39 episodes. I've categorized the experiences according to these "elemental genres," which is looking at the top two elemental centers of gravity. You can watch this talk on "Blending the Elements on Experiential Design" for more details. #1650: Sneak Peak of Venice Immersive 2025 Selection with Curators Liz Rosenthal and Michel Reilhac #1750: Doug Liman's "Asteroid" Short Immersive Film with Google Gemini Story Extension + Kickoff of Venice Immersive 2025 Coverage #1751: "Ghost Town" Narrative Integration in Puzzle Adventure with Exquisite Worldbuilding #1752: Blending Embodied Game & Narrative Genres with "One True Path, Part 1" #1753: Mixed Reality Town-Building and Sim Game "Wall Town Wonders" #1754: Screen Life Thriller "LILI" about Surveillance Fuses Game Design, Film, and MacBeth Adaptation #1755: Hand-Tracked Sign Language as Story Beat Triggers in "Eddie and I" #1756: Exploring Narrative Potential of Generative AI in "8pm and the Cat" #1757: Embody a Geranium in Immersive Comedy about Boredom in "The Great Escape" #1758: Reckoning with Mental Health Taboos in Japan with "If You See a Cat" Immersive Animation #1759: Mother-Daughter Team Explore Personal Challenges with Depression and Anxiety in "Mirage" Immersive Animation #1760: Immersive Fairy Tale about Automation with "The Sad Story of the Little Mouse Who Wanted to Become Somebody" #1761: Unpacking the Immersive Orchestral Mix of "1968" with Massimiliano Borghesi #1762: Fusing Experimental Immersive Animation with Cutting-Edge Orchestral Spatial Audio Mix in "1968" #1763: Blending Theater and 360 Video in "Re-Launching-Luigi-Broglio" #1764: Mixing Hand-Drawn Animation with 360 Video in "The Time Before" #1765: Immersive Action Thriller "Mulan 2125" Pushes the Edge of Graphical Fidelity #1766: Formula 1 LBE Experience "Black Cats & Chequered Flags" is an Immersive Biopic of Alberto Anscari #1767: Immersive Journey through Special Effects Pioneer Carlo Rambaldi's Paintings in "Alien Perspective" #1768: Symbolic Journey through Lithuania's Artist Mikalojus Konstantinas Čiurlionis' Paintings in "Creation of the World" #1769: Mixed Reality Musical on Avatars and Identity in "First Virtual Suit" #1770: Eastern Philosophy-Inspired Fusion of Theater and XR with "Mnemosyne" #1771: Environmental Storytelling in "The Great Orator" VR Diorama with Generative AI Experiments #1772: Climate Change Spatial Montage "Out of Nowhere" Aspires to Move Towards Rewilding Prevention #1773: "Collective Body" Assigns Elemental Avatars Based Upon Archetypal Dance Movements #1774: Combining Live Dance and Music in Immersive LBE Performance "L'ombre (The Shadow)" #1775: The Continuous Spatial One-Shot of Backlight's "La Magie Opera" LBE #1776: The Spatial Grammar Innovations of Dialectical Contrasts and Abstraction within "The Big Cube" #1777: Active Imagination, Associative Dream Logic, & Embodied Interactions in "Sense of Nowhere" #1778: Collaborative Social Game and Story of "Happy Shadow" #1779: "Heartbeat" Immersive, 1-on-1 Biometric Synchronization and Involuntary Collective Agency #1780: Recap of VRChat Worlds Gallery at Venice Immersive 2025 with Mike Salmon #1781: Winner of Venice Immersive 2025 "The Clouds Are Two Thousand Meters Up" Innovates on Gaussian Splats & Spatial Storytelling #1782: "A Long Goodbye" Wins 3rd Place Prize at Venice Immersive with Emotionally-Moving Story on Dementia and Spatial Grammar Innovations #1783: "Less Than 5gr of Saffron" Wins 2nd Place Prize at Venice Immersive with Spatial Poem Quill Animation #1784: The Incredible Spatial Transitions of "Dark Rooms" with Radical Consent Innovations #1785: The Landmark Achievements of "Blur" in Fusing Theater, Montage, Mixed Reality, and LBE VR #1786: Collective Reading Experience of "Constantinopoliad" Provokes Discussion on Defining "Immersive" #1787: Blending the Elements of Experiential Design & Process-Relational Foundations of the Elements This is a listener-supported podcast through the Voices of VR Patreon. Music: Fatality

I interviewed Mo Huang & Eric Zhao about Mulan2125 on Sunday, August 31, 2025 at Venice Immersive in Venice, Italy. Here is the story synopsis for Mulan2125: "In 2125, a century after the green-comet “Emerald Fall,” the alien substance Muk still taints Earth. Two powers remain: Ant City and PAC, a militarised regime ruling from the sea fortress, the Crown. Ant City's flagship, the ARK — a retrofitted WWII battleship — carries a giant repair mecha meant to restore the city's shield. PAC plans to hijack the ship, impersonate its crew, and deliver the mecha embedded with malware to disable the shield from within. 18-year-old Mulan, raised aboard the ARK by her father, Captain Hua Muzhi, is unknowingly the only human fully bonded with Muk. Anticipating sabotage, Hua hides in a panic room and locks the engines. As long as he remains hidden, PAC cannot proceed. When the assault begins, AI drone MUV-I is activated and executes Hua's secret Shan Hai Guan protocol, guiding Mulan through hidden corridors. But her search for Hua accidentally helps PAC mole Aiden trace his location. Aiden detonates charges, separating them, and PAC regains control. Hua reaches the bridge to destroy the mecha but is killed. Mulan awakens Muk's power, defeats Khan, and fires the main gun — vaporising the Trojan mecha. Muk glows again as PAC retrieves her body. She lives." Here are the contextual domains that are explored: On some sort of military [10] ship at the sea [9], but also set in the future in a speculative sci-fi world [9]. Dynamics of father [4] and his daughter [5] and the various people who are trying to capture or kill her [7]. A pitched battle between these two main opposiing forces [7] Here is the Elemental Center of Gravity: 1st Center of Gravity of Emotional Presence: Described as "Cinema 2.0" & "pioneering the future of storytelling." Episodic cinematic immersive story experience with "ultra-high audiovisual standards and interactive design." First episode. Sci-Fi, Action Thriller Genre -- Attack forces 18-year old Mulan into an escape that was prepared by her father"2nd Center of Gravity of Earth Element / Environmental and Embodied Presence: Crafted for Immersion - Sci-Fi futuristic universe set in 2125. A comet shattered the world and two powers are fighting each other. Mostly a ghostly character throughout, but you do have an embodiment at certain points. Unclear as to who you are. Are you a main character? I forget, Real-time Unreal Engine with mocapped actors3rd Center of Gravity of Fire Element / Active Presence: Some light interactions at various points in this storyworld -- They say, "As traditional film nears the limits of its century-old form, we aim to chart a new path — where stories aren't just watched, but lived." Still mostly a cinematic universe as it is more about light interactions that are within a very tightly bound possibility space of the film. More about the story than your agency4th Center of Gravity of Air Element / Mental and Social Presence: A lot of dialogue within the context of a story. Possibility space very much leans towards authored narrative, as there doesn't seem to be very many different choices involved Archetypal Themes and Character Explored: '"It's all about who are you when everything is falling apart, and the invisible bonds that keep us together" Artist Statement: "MULAN 2125 is a bold step toward Cinema 2.0 — a genre-driven, emotionally resonant narrative built for immersive media. Unlike many XR projects that feel experimental, niche, or underpowered, it combines cinematic storytelling with ultra-high audiovisual standards and interactive design. This is not a tech demo in disguise, but a sincere attempt to bring the emotional depth and visual polish of commercial cinema into the XR space. As traditional film nears the limits of its century-old form, we aim to chart a new path — where stories aren't just watched, but lived." https://www.youtube.com/watch?v=I8z1hFV8Pag This is a listener-supported podcast through the Voices of VR Patreon. Music: Fatality

I interviewed Sister Sylvester about Constantinopoliad on Friday, September 12, 2025 at Venice Immersive in Venice, Italy. Here is the story synopsis for Constantinopoliad: "Constantinopoliad is a collective reading and audio work. A response to the archive of the poet Constantine Cavafy, the story is inspired by the blank and torn-out pages in Constantinopoliad, an Epic, the journal the teenage Cavafy began when he and his family fled Alexandria; by lost and missing queer archives through time; and by the ghosts, both erotic and historical, that visit the older Cavafy in his poems." Here are the contextual domains that are explored: The exploration of identity [1] as a person has moved from his home [4], and into a distant land [9] with some feelingsof being exiled [12], but also the implication of homosexuality [5] within the context of having to remain hidden or taboo [12]. It's dipping into the vast archive [9] of Cavafy's expressions of identity [1] and poetry and art [5], and recontextualizing as these universal experiences that are still very much relevant today [9]. Here is the Elemental Center of Gravity: 1st Center of Gravity of Air Element / Mental and Social Presence: collaboratively reading together - narrative distillation of an archive. You listening to the audio narration, but you have to negotiate how to co-read this "book" object together. The form of this "book" also deviates from normal book where it is part pop-up book, but also a flat stage to be explored with the other person. This externalized book becomes a bit of an abstracted theatrical stage for the story as it unfolds, but there are also more explicitly architectural elements to this "book" object as well. The piece also creates an implicit invitation to connect and talk with your audience partner afterwards about the piece2nd Center of Gravity of Water Element / Emotional Presence: AMAZING MUSIC + time-based narration + lighting. There's some amazing synchrony between the music, the timing of the reading, as well as the lighting. It really gives a strong sense of time. The reading of the story almost feels like a narrative podcast of sorts, but is mostly a matter of convenience of recording of the live performance so that it could be toured at immersive festivals without the burden of paying for all of the performers and musicians.3rd Center of Gravity of Earth Element / Environmental and Embodied Presence: Book like object as an architectural artifact, and has a whole spatial journey. The installation also had tables with lighting effects, but also there were projctions that were happening within the space as well. Most of the focus of spatial experience happens within the context of the architectural nature of the "book" object, but the other theatrical elements of the environment definitely help to cultivate an overall mood.4th Center of Gravity of Fire Element / Active Presence: Explore the story through various interactions. There's no narrative agency per se, although one could deviate from directly reading along with the text. There's an implicit contract to stay on course with your actions since you're negotiating the experience with another person. Archetypal Themes and Character Explored: Exploration of the "lost and missing queer archives through time; and by the ghosts, both erotic and historical, that visit the older Cavafy in his poems" Artist Statement: "My favorite response to this work was an audience member who described it as 'making love to a stranger through a book'. The work invites audiences into a sensual and concrete encounter with Cavafy's life and poems: fingers making contact with history; illumination revealing images from between the pages; sounds conjuring the ghosts of 19th century Alexandrian cabarets. With words by sister sylvester, score by Nadah El Shazly, and illustrations by Efrîn Özyetis, Constantinopoliad is a multi-sensory encounter with the past, and with forgotten stories that can haunt us into new imaginings for the present." You can see the projects I covered at Venice Immersive 2025 categorized in this image: Below, you will find links to my 30+ hours of my coverage from Venice Immersive 2025 across 39 episodes. I've categorized the experiences according to these "elemental genres," which is looking at the top two elemental centers of gravity. You can listen to this episode or watch the video version of "The Blending the Elements on Experiential Design" YouTube on for more details. #1650: Sneak Peak of Venice Immersive 2025 Selection with Curators Liz Rosenthal and Michel Reilhac #1750: Doug Liman's "Asteroid" Short Immersive Film with Google Gemini Story Extension + Kickoff of Venice Immersive 2025 Coverage #1751: "Ghost Town" Narrative Integration in Puzzle Adventure with Exquisite Worldbuilding #1752: Blending Embodied Game & Narrative Genres with "One True Path, Part 1" #1753: Mixed Reality Town-Building and Sim Game "Wall Town Wonders" #1754: Screen Life Thriller "LILI" about Surveillance Fuses Game Design, Film, and MacBeth Adaptation #1755: Hand-Tracked Sign Language as Story Beat Triggers in "Eddie and I" #1756: Exploring Narrative Potential of Generative AI in "8pm and the Cat" #1757: Embody a Geranium in Immersive Comedy about Boredom in "The Great Escape" #1758: Reckoning with Mental Health Taboos in Japan with "If You See a Cat" Immersive Animation #1759: Mother-Daughter Team Explore Personal Challenges with Depression and Anxiety in "Mirage" Immersive Animation #1760: Immersive Fairy Tale about Automation with "The Sad Story of the Little Mouse Who Wanted to Become Somebody" #1761: Unpacking the Immersive Orchestral Mix of "1968" with Massimiliano Borghesi #1762: Fusing Experimental Immersive Animation with Cutting-Edge Orchestral Spatial Audio Mix in "1968" #1763: Blending Theater and 360 Video in "Re-Launching-Luigi-Broglio" #1764: Mixing Hand-Drawn Animation with 360 Video in "The Time Before" #1765: Immersive Action Thriller "Mulan 2125" Pushes the Edge of Graphical Fidelity #1766: Formula 1 LBE Experience "Black Cats & Chequered Flags" is an Immersive Biopic of Alberto Anscari #1767: Immersive Journey through Special Effects Pioneer Carlo Rambaldi's Paintings in "Alien Perspective" #1768: Symbolic Journey through Lithuania's Artist Mikalojus Konstantinas Čiurlionis' Paintings in "Creation of the World" #1769: Mixed Reality Musical on Avatars and Identity in "First Virtual Suit" #1770: Eastern Philosophy-Inspired Fusion of Theater and XR with "Mnemosyne" #1771: Environmental Storytelling in "The Great Orator" VR Diorama with Generative AI Experiments #1772: Climate Change Spatial Montage "Out of Nowhere" Aspires to Move Towards Rewilding Prevention #1773: "Collective Body" Assigns Elemental Avatars Based Upon Archetypal Dance Movements #1774: Combining Live Dance and Music in Immersive LBE Performance "L'ombre (The Shadow)" #1775: The Continuous Spatial One-Shot of Backlight's "La Magie Opera" LBE #1776: The Spatial Grammar Innovations of Dialectical Contrasts and Abstraction within "The Big Cube" #1777: Active Imagination, Associative Dream Logic, & Embodied Interactions in "Sense of Nowhere" #1778: Collaborative Social Game and Story of "Happy Shadow" #1779: "Heartbeat" Immersive, 1-on-1 Biometric Synchronization and Involuntary Collective Agency #1780: Recap of VRChat Worlds Gallery at Venice Immersive 2025 with Mike Salmon #1781: Winner of Venice Immersive 2025 "The Clouds Are Two Thousand Meters Up" Innovates on Gaussian Splats & Spatial Storytelling #1782: "A Long Goodbye" Wins 3rd Place Prize at Venice Immersive with Emotionally-Moving Story on Dementia and Spatial Grammar Innovations #1783: "Less Than 5gr of Saffron" Wins 2nd Place Prize at Venice Immersive with Spatial Poem Quill Animation #1784: The Incredible Spatial Transitions of "Dark Rooms" with Radical Consent Innovations #1785: The Landmark Achievements of "Blur" in Fusing Theater, Montage, Mixed Reality, and LBE VR #1786: Collective Reading Experience of "Constantinopoliad" Provokes Discussion on Defining "Immersive" #1787: Blending the Elements of Experiential Design & Process-Relational Foundations of the Elements This is a listener-supported podcast through the Voices of VR Patreon. Music: Fatality

- Tesla Pushes to Keep EU FSD Safety Data Secret - Tesla and SpaceX Build $16.8B Texas Terafab - Porsche SE Backs Aggressive VW Restructuring - Debt Burden Crushes German Auto Suppliers - Toyota Beat Tesla to Aluminum Wiring - Stellantis Concept Eliminates Turbo Lag - China Reveals smart #2 Images - Volkswagen ID.Era 5X Blends Wagon, SUV

- Tesla Pushes to Keep EU FSD Safety Data Secret - Tesla and SpaceX Build $16.8B Texas Terafab - Porsche SE Backs Aggressive VW Restructuring - Debt Burden Crushes German Auto Suppliers - Toyota Beat Tesla to Aluminum Wiring - Stellantis Concept Eliminates Turbo Lag - China Reveals smart #2 Images - Volkswagen ID.Era 5X Blends Wagon, SUV

Republican congressman Chuck Edwards looks like he’s one and done, after serving his first term in Congress, Edwards announced he is dropping his bid for reelection after an ethics investigation. The findings of the house ethics reports show that Edwards “engaged in persistent unprofessional and inappropriate conduct towards two young female staffers.” While the 65-year-old husband, father and grandfather dropped his bid, another republican congressman, Max Miller has vowed to continue his re-election campaign after multiple women have come forward with domestic violence allegations. Miller even asking the ethics committee to open a full investigation into his conduct to try and clear his name. See omnystudio.com/listener for privacy information.

Republican congressman Chuck Edwards looks like he’s one and done, after serving his first term in Congress, Edwards announced he is dropping his bid for reelection after an ethics investigation. The findings of the house ethics reports show that Edwards “engaged in persistent unprofessional and inappropriate conduct towards two young female staffers.” While the 65-year-old husband, father and grandfather dropped his bid, another republican congressman, Max Miller has vowed to continue his re-election campaign after multiple women have come forward with domestic violence allegations. Miller even asking the ethics committee to open a full investigation into his conduct to try and clear his name. See omnystudio.com/listener for privacy information.

Republican congressman Chuck Edwards looks like he’s one and done, after serving his first term in Congress, Edwards announced he is dropping his bid for reelection after an ethics investigation. The findings of the house ethics reports show that Edwards “engaged in persistent unprofessional and inappropriate conduct towards two young female staffers.” While the 65-year-old husband, father and grandfather dropped his bid, another republican congressman, Max Miller has vowed to continue his re-election campaign after multiple women have come forward with domestic violence allegations. Miller even asking the ethics committee to open a full investigation into his conduct to try and clear his name. See omnystudio.com/listener for privacy information.

Republican congressman Chuck Edwards looks like he’s one and done, after serving his first term in Congress, Edwards announced he is dropping his bid for reelection after an ethics investigation. The findings of the house ethics reports show that Edwards “engaged in persistent unprofessional and inappropriate conduct towards two young female staffers.” While the 65-year-old husband, father and grandfather dropped his bid, another republican congressman, Max Miller has vowed to continue his re-election campaign after multiple women have come forward with domestic violence allegations. Miller even asking the ethics committee to open a full investigation into his conduct to try and clear his name. See omnystudio.com/listener for privacy information.

A growing effort in California would formally recognize open-water lifeguards as first responders. Supporters argue lifeguards routinely handle rescues, medical emergencies, and public safety incidents before other agencies arrive. The push gained momentum after a viral Santa Cruz rescue and could lead to legislation granting official first-responder status statewide. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | InstagramSee omnystudio.com/listener for privacy information.

The government has no business forcing things into your water. Don't wait for them to sort out pure water – you have to do it yourself. That's https://www.covepure.com/POSO, for $250 off.  Allegiance Gold helps you protect your savings and retirement with real, physical gold and silver — not paper promises. And right now, Allegiance Gold is making it even better. They'll donate 1% of qualified investments from my audience to Turning Point USA or another great America-First organization — in addition to the 1% you already qualify for. Go to https://www.protectwithposo.com or call (844) 577-POSO now.Support the show

In today's Cloud Wars Minute, I break down the reshuffled hyperscaler rankings and what AWS's comeback means for the AI economy. Highlights 00:03 — The third hyperscaler reported its numbers late last week. That was Amazon's AWS unit. Fantastic quarter for AWS. Best in four or five years. It had what I called an awesome Q2, and in doing so, we've seen a complete reshuffling of the growth standings among the hyperscalers. 01:18 — Microsoft, for the same period, its fiscal Q4 grew 27% to $59.3 billion, and Google Cloud was up an incredible 82% to almost $25 billion. We see Google Cloud and now AWS on a very nice continuous upswing, while Microsoft has leveled off. 03:05— Inside AWS, the backlog soared, up 154% to almost $500 billion. Andy Jassy said Amazon will spend in 2026 $220 billion on CapEx, almost all of which will go toward building the data centers necessary to fund this expansion in cloud and AI. 04:19 — The smallest backlog number of the four hyperscalers is AWS at $496 billion. Microsoft is around $675 billion, Google Cloud is $514 billion, and Oracle is about $636 billion. Together they represent well over $2 trillion in backlog. 05:12 — I think it's great seeing AWS back in high-growth mode. It makes the competition better, and it certainly is a great thing for customers, who now have choices of fantastic suppliers across the four hyperscalers: AWS, Google Cloud, Microsoft, and Oracle. Visit Cloud Wars for more.

La Center School District is pushing back against State Superintendent Chris Reykdal, saying OSPI's own secrecy mandates, not federal enforcement, put Washington's education funding at risk by defying FERPA, PPRA, and Title IX. https://www.clarkcountytoday.com/news/la-center-sd-rejects-superintendent-reykdals-partisan-mischaracterization-of-federal-parental-rights-enforcement/ #ParentalRights #LaCenter #WaEd #OSPI #FederalFunding #Education #WashingtonState #ClarkCounty

This week on the Keeping It Real Rundown:•

Matt Hughes, Global Sports Business Correspondent with The Guardian, on the latest into FIFA's controversial plans to sell a stake in the World Cup amid threats of a Europe boycott.

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

Accepting Bitcoin, HODL Bombing James Martin on TV and Agentic Payments. $ BTC 64,3321 Block Height 960,086 Today's guests are David Parkinson, Ben De Waal, and TV personality Merlin Griffiths who join me to discuss how UK based payments company, Muqet, is utilising AI and Bitcoin to help small businesses reduce costs and modernise operations. Key Topics: Merchant adoption of Bitcoin point-of-sale systems How AI agents are transforming commerce and payments Challenges facing small business owners in the UK The role of Bitcoin as a hedge against fiat currency volatility Operational efficiency through automated EPOS technology Real-world application of agentic commerce and UCP protocols A huge thank you to Musqet and Merlin! Follow Merlin: x - @MerlinFDC4 Insta - @MerlinFDC4 Merlin - https://www.merlingriffiths.com/ The Dog And Gun Pub - https://dogandgunwalton.com/#about_us Ben De Waal Linkedin - https://www.linkedin.com/in/benjamindewaal/ X - @Ben_deWaal David Parkinson Linkedin - https://www.linkedin.com/in/david-parkinson-6764441a/ X - @Musqet_David Check out my book ‘Choose Life' - https://bit.ly/4gGYqRE Pleb Service Announcements: Join 20 thousand Bitcoiners on @cluborange https://signup.cluborange.org/co/princey CONFERENCES: BTC HEL - 25th - 26th September 2026. - Helsinki https://btchel.com/ Use code BITTEN for - 10% My First Bitcoin. https://myfirstbitcoin.org/ Shills and Mench's: BITBOX - SELF CUSTODY YOUR BITCOIN - www.bitbox.swiss/bitten Use Code BITTEN THE MEETUP BREAKDWON - BITCOIN EVENTS UK - https://www.themeetupbreakdown.com/ SWAN BITCOIN - www.swan.com/bitten HODL EYEWEAR - Avoid Blue light! https://hodleyewear.com/partner/3/ PLEBEIAN MARKET - BUY AND SELL STUFF FOR SATS; https://plebeian.market/ @PlebeianMarket SATSBACK - Shop online and earn back sats! https://satsback.com/register/5AxjyPRZV8PNJGlM ALL FURTHER LINKS HERE - FOR DISCOUNTS AND OFFERS - https://vida.page/princey - https://linktr.ee/princey21m

The President urges the GOP to nuke the Senate's 60-vote rule now, even as Fetterman flips and says Democrats were wrong about the filibuster. Plus Maine nominates Troy Jackson and Michigan's Abdul El-Sayed tries to distance himself from socialism. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Netflix appears to leave With Love, Meghan out of a promotional collection celebrating its Emmy contenders, sparking fresh debate over Meghan Markle's Daytime Emmy nomination. Commentators claim Prince Harry is increasingly focused on repairing his relationship with King Charles, while questions continue about how warm the Sussex family reunion at Highgrove really was. Reports say Prince Archie and Princess Lilibet were awestruck by their royal heritage, Piers Morgan accuses Harry and Meghan of hypocrisy over their children's privacy, Meghan faces calls to reconcile with her father, and King Charles reportedly pressures Prince William to end the brothers' long-running feud.Become a supporter of this podcast: https://www.spreaker.com/podcast/palace-intrigue-king-charles-meghan-markle-and-all-the-royal-family-gossip--4522904/support.Palace Intrigue is a daily British royal family podcast covering King Charles, Meghan Markle, Prince Harry, Kate Middleton and the House of Windsor. New episodes every day. Follow on Apple Podcasts, Spotify, or wherever you listen. Part of the Caloroga Shark Media network.

San Francisco has experienced multiple major Waymo mishaps, and now, Mayor Daniel Lurie is urging Congress to create legislation that regulates autonomous vehicles.

Plus: Nvidia shares fall after the WSJ reports talks on a $250 billion backstop for OpenAI. And Cracker Barrel shares decline as CEO plans to step down. Alex Ossola hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week we're talking about, What to Do When Your Child Pushes Your Buttons. Your child says something that lands hard, or they shut down completely and the silence fills every corner of the house. You hold it together in the moment, but later, when everything is quiet, you replay it. You wonder if you handled it right. You wonder if the relationship is okay. And you do all of that alone, without anyone to help you sort through it. The hard truth is that solo parenting doesn't give you a timeout from the hardest parenting moments. There's no one to tap in, no one to debrief with, and no one to remind you that you're not failing just because your kid is furious with you right now. Robert Beeson, Founder and CEO of Solo Parent, and Elizabeth Cole, a single parent navigating this in real time, sit down with Amber Fuller, a counselor with a Master's in Marriage and Family Therapy and single parent, to talk through what's really happening when your child pushes back, and what it actually looks like to stay grounded, hold your position, and keep the relationship intact at the same time. Key Insights from This Episode: Your child's anger is often a signal, not an attack. When kids rage or shut down, they're usually communicating fear, loss, or a need for control they don't yet have words for. Staying emotionally regulated isn't about suppressing your feelings. It's about being the stable presence your child needs when their own emotions are running the show. Framing your child's pushback as a form of trust changes how you receive it. They push hardest at the people they believe won't leave. Resources Mentioned in This Episode: The Emotional Lives of Teenagers by Lisa Damour The Whole Brain Child by Dr. Dan Siegel Stay Connected + Get Support: Download our Solo Parent App Join a Solo Parent Group Learn more about Solo Parent Follow us on Instagram  

Psychologist Linda Mintle of the Dr. Linda Mintle Show outlines why our brains crave the experience of soaking up the sun and the things we're willing to do to alter how we feel. Pastor Joshua Broome of XO Marriage shares about the Made Whole course available for couples, living in the midst of Ephesians 3:20, and why marriage done God's way is guaranteed to flourish. The Reconnect with Carmen and all Faith Radio are made possible by your support. Give now: Click here

Season 63, Episodes 216-220, Spoiler Level – MS (Medium Spoilers) Nina calls Jack hoping he'll prevent her from attempted murder then immediately attempts murder. Trina has a stalker. Maxie and Spinelli are moving to Australia, and we hate it. And Anna is back as commissioner, and we love it. Thank you for listening to our General Hospital podcast. If you enjoyed it, please subscribe and tell your friends. Drop us a review. And let us know your own musings and theories and fashion notes. Reach Stacy at Alexis@areweghing.com and Kathy at Felicia@areweghing.com. For more information, please visit us at www.areweghing.com Recorded 7-26-26, Music by Grammy award winning Alex Robinson https://www.musicbyalexrobinson.com/ and logo by the equally as amazing Jakob Evans.

Pamela Smart—convicted in 1990 for masterminding the murder of her husband with her 15-year-old student—is petitioning a New Hampshire judge for a new trial. Her legal team argues that media frenzy, faulty jury instructions, and transcript errors tainted the original verdict, while state prosecutors insist the issues were already settled decades ago. Learn more about your ad choices. Visit podcastchoices.com/adchoices

President Trump was speaking in Georgia today, and during his speech he pushed for the Senate to pass the SAVE Act. Then, friend of the show Ernie Boch Jr. joins Howie to talk about his charity foundation Music Drives Us. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In a national address Thursday night, President Trump said he has new evidence of fraud in the American election system. We discuss whether facts back up Trump's claims and what to make of Trump devoting a primetime address to this topic now. This episode: political correspondent Ashley Lopez, voting correspondent Miles Parks, and senior national political correspondent Tamara Keith.This podcast was produced by Casey Morell and Bria Suggs, and edited by Rachel Baye.Our executive producer is Muthoni Muturi.Listen to every episode of the NPR Politics Podcast sponsor-free, unlock access to bonus episodes with more from the NPR Politics team, and support public media when you sign up for The NPR Politics Podcast+ at plus.npr.org/politics.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Rog and Rory Smith are back to breakdown the final day of quarterfinals action, including a dramatic clash between England and Norway that saw the three lions advance behind another incredible Jude Bellingham performance. Rog and Rory discuss what makes Jude so devastatingly good in big moments, the camera-wire controversy, and what made Norway such a special story this tournament. Then, Argentina sneak by again, this time past a resolute Switzerland side. Is it a positive or a negative that the Argentines keep winning late? Plus, a look ahead to both semi-finals matchups. Join us in Dallas on July 14 for Match Day Live with special guests Emmitt Smith and Daryl Johnston before the Spain-France semifinal match: https://mibcourage.co/451v21e The Match Day Live tour continues. We'll be back in Atlanta on July 15 with Ludacris at Founders Green in South Downtown: https://mibcourage.co/44nrpTe Daily match previews and recaps, delivered straight to your inbox. Subscribe to the Men in Blazers Newsletter now: https://mibcourage.co/4wEoba0See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The left and right are fired up over Supreme Court decisions addressing the power of the president to fire officials. President Trump pressures Senate Republicans to pass the SAVE America Act after the Supreme Court upholds states' authority to count certain mail-in ballots received after Election Day. Alec Murdaugh returns to court and receives an April 2027 retrial date after his convictions for murdering his wife and son were overturned. Minneapolis repeals its nearly four-decade ban on adult bathhouses, clearing the way for the city to develop regulations allowing the sex venues to reopen.   Lean: Discover why LEAN is becoming the choice for real weight‑loss results—shop now at https://TAKELEAN.com use code MK.   Cozy Earth: Visit https://www.CozyEarth.com & Use code MEGYN for up to 20% off Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.