Podcasts about Puts

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Is this what we're here for? To be the passions' slave? To be the plaything of emotions and impulses? It can't be!

Jerry predicts that 2026 could be the best year in New York sports, citing championship potential for the Knicks, Mets, Yankees, and even a division title for the Giants. The optimism extends to the Islanders' postseason hopes. C-Lo's final update covers Giancarlo Stanton's delayed elbow surgery, Scott Boras' take on Hal Steinbrenner, and the Padres' update on Matt Waldron's medical procedure. Also, Shedeur Sanders' unique gift to Todd Monken and Moment of the Day with a Yankees trivia quiz, the show wraps with NFL Combine talk, potential picks for the Giants and Jets, and Boomer's concerns regarding Cam Skattebo.

"You Go to My Head" (October 1, 1974) We're kicking off our final season by discussing what's arguably the most important sitcom that we haven't profiled yet: Happy Days. Technically, Happy Days never did an episode, but what's surprising is how close this one gets, with actual lines spoken including "I'm in the closet" and "Do you prefer dick?" We have episode transcripts courtesy of Sarah Neal. Our logo was designed by Rob Wilson. This episode's art was designed by Ian O'Phelan. Sound cues for this podcast were composed by Meika Grimm.  

The Kouri Richins trial brings Chelsea Gipson, Lead Crime Scene Technician,  to the stand for cross from the defense.The Kouri Richins murder trial continues in Utah as the state prosecutes the children's book author for allegedly poisoning her husband Eric Richins with fentanyl. Prosecutors allege she killed him for insurance money after secretly increasing his policy to $1.9 million. The defense maintains Eric died from accidental drug use.True Crime Today delivers real-time trial coverage as it happens—key testimony, critical cross-examinations, and the moments that matter. No waiting for nightly recaps. Watch the case unfold live.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #KouriRichinsTrial #TrueCrimeToday #LiveTrial #EricRichins #UtahCourt #TrueCrimeNews #CourtTV #TrialWatch #BreakingCrime

Konnor Griffin, the 19-year-old shortstop in the Pirates' organization, hit two home runs in a spring game vs. the Red Sox. Pretty good, right? There's more: Both left the stadium entirely. Details on that, plus other prospects making spring noise. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

-Caserio Put the Stroud TRADE Rumors to Rest Today at the NFL Combine! -Should Rockets Be Considering a BIGGER ROLE for Jabari Smith..? -Astros Manager Joe Espada's Houston Lineup in 2026-with some QUESTIONS!

Chances rise that the RBA may hike in May after inflation stays high in January. The Aussie dollar rose. The US indicates it will respect existing trade agreements. And the Bank of Thailand unexpectedly cuts rates.And then in our deep-dive interview, ANZ Agri Economist Matt Dilly reviews how New Zealand's all-important primary industries have weathered the start of 2026.Before accessing this podcast, please read the disclaimer at https://www.anz.com/institutional/five-in-five-podcast/

Australian home owners could face another interest rate rise within weeks after inflation figures from January came in hotter than expected.Headline inflation stayed unchanged from December, but the Reserve Bank's preferred measure ticked up slightly, and remains stubbornly high.Economists are tipping the bank could hike rates in May, putting more pressure on the government to ease the cost of living in the federal budget.Two men have been charged over the alleged kidnapping and murder of Sydney grandfather Chris Baghsarian.The 85-year-old was abducted from his home in North Ryde earlier this month and police believe it's a case of mistaken identity.The charges come soon after police discovered human remains belonging to the elderly man near a golf club in Pitt Town.The federal government's offering to evacuate the families of Australian diplomats and officials from some of its middle east missions, amid fears the US is preparing for strikes on Iran.The US has been sending war ships to the middle east and is threatening to attack the Iranian regime if it doesn't agree to a deal which aims to stop it producing nuclear weapons.The federal government's also telling Australians in Israel and Lebanon to consider leaving now, while there are still commercial flights available.A man has died, and a woman has been taken to hospital, after she jumped from a third-storey window during a unit fire in Sydney's west.25 people were evacuated from the building, and investigations into the incident are now underway.Queensland Police are investigating an alleged bomb threat against a Gold Coast theatre hosting a classical Chinese dance group, that's been subject to several threats including one against the Australian Prime Minister.The Shen Yun performance group, is linked to the Falun Gong spiritual movement and is banned in China.It's due to hold several concerts in Australia over the coming month.The PM was evacuated from his residence at the Lodge due to a bomb threat after an email was sent to Shen Yun's local organisers falsely claiming explosives had been placed around the property.

02-24-26 - Entertainment Drill - TUE - Cher Puts Tom Cruise In Her Sex Top 10 And Mike Tyson Asked Once To Fight A Gorilla - Breaking Bad Fans And Game Of Thrones Fans Having Netflix Ratings BattleSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As a budget shortfall forces tough choices at the Idaho State Legislature, leaders are locked in a high-stakes debate over tax cuts, spending priorities and how deep state agency reductions should go.

02-24-26 - Entertainment Drill - TUE - Cher Puts Tom Cruise In Her Sex Top 10 And Mike Tyson Asked Once To Fight A Gorilla - Breaking Bad Fans And Game Of Thrones Fans Having Netflix Ratings BattleSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

ON TODAY'S FIFI, FEV & NICK: NBA Superstar Steph Curry Has A Surprise For The Underdogs Casting A Spell At A Wedding Melbourne Have You Cast A Sell Before? GUEST: Jules Lund - MAFS Chat What Horror Movie Are We Watching? GUEST: Sooshi Mango Nonna's Subscribe on LiSTNR: https://play.listnr.com/podcast/fifi-fev-and-nickSee omnystudio.com/listener for privacy information.

In this Canadian politics news update, we break down the latest US-Canada trade news as Prime Minister Mark Carney takes a firm stance against escalating Trump tariffs. Now, the European Union is following Canada's lead, signaling a coordinated pushback against Donald Trump's aggressive trade strategy. What does this mean for Canada, the United States, and global markets? Let's talk about the shifting power dynamics shaping today's trade landscape.Tune into Episode 378 of The Bill Kelly Podcast for daily politics news updates.This politics news update was recorded on February 23, 2026.WATCH THIS EPISODE and subscribe to our channel: https://youtu.be/tFI-aS0STJw?si=YyYhYmKiWR9zGYVkDon't forget to like, share, comment and subscribe to support Bill's work. THANK YOU!Become a channel member to hear Bill's stories from 50+ years as a broadcast journalist in our exclusive series, THE WAY I SEE IT: https://www.youtube.com/channel/UCeUbzckOLocFzNeY1D72iCA/joinListen everywhere: https://kite.link/the-bill-kelly-podcastYouTube: https://www.youtube.com/@TheBillKellyPodcast/featuredBlueSky: https://bsky.app/profile/billkellypodcast.bsky.socialSubStack: https://billkelly.substack.com/FURTHER READINGEU Freezes US Trade Deal on Tariff Uncertaintyhttps://www.bloomberg.com/news/newsletters/2026-02-23/eu-freezes-us-trade-deal-on-tariff-uncertaintyEU Parliament puts US trade deal on ice after latest Trump tariff hithttps://www.politico.eu/article/eu-parliament-puts-us-trade-deal-ice-after-latest-donald-trump-tariff-hit/An EU strategy in the wake of the United States Supreme Court tariffs rulinghttps://www.bruegel.org/first-glance/eu-strategy-wake-united-states-supreme-court-tariffs-ruling This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit billkelly.substack.com/subscribe

We look at one of the world's biggest trading blocks the EU which has now delayed ratifying its trade deal with the EU. Rahul Tandon talks to the retailer from Colorado and Ulrike Malmendier, a member of the German Council of Economic experts.Also, we find out what is the current situation in Puerto Vallarta in Mexico. And the boss of Netflix, Ted Sarandos tells the BBC its bid for Warner Brothers is better than a rival one from Paramount.

Building a successful business is one thing. Becoming visible while doing it is another. In this episode, John Pajak discusses the hidden cost of visibility, the responsibility that comes with influence, and why thick skin and clear boundaries matter when sharing your journey online. Comments and Questions are welcome. Send to ProfitswithPajak@gmail.com Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser. Equip Expo : 2026 Tickets are 50% OFF with promo code Pajak https://plus.mcievents.com/EquipExpo2026?RefId=PAJAK Upcoming Events:   Show Partners: Yardbook Simplify your business and be more profitable. Please visit www.Yardbook.com  Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK Relay Relay is small business banking that puts you in complete control of what you are earning, spending, and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast  Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/

Japan's Space One Co. has announced a decision to postpone the launch of the No. 3 unit of its Kairos small rocket carrying five satellites to March from the initially planned Wednesday.

AP correspondent Donna Warder reports on a law going into effect in Kansas this week that will invalidate the driver's licenses of some 1700 people.

Welcome to The Politicana Podcast — a decade-long political conversation delivering clarity, comedy, and sharp analysis on politics, culture, and the news.In this episode, we break down:00:00 - Pam Bondi Testifies In Front of Congress Over Epstein Files34:00 -  Another Day, Another Government Shutdown 46:00 -  Marco Rubio's Stunning Speech At Munich Security Conference1:13:00 - Obama Confirms Aliens Exist?

Britain's former Prince Andrew, now known as Andrew Mountbatten-Windsor, was arrested Thursday morning, becoming the first senior British royal in modern history to be arrested. Later in the day, he was pictured leaving the police station. Learn more about your ad choices. Visit podcastchoices.com/adchoices

James Donaldson, CEO of B.C. Food and Beverage Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve is incensed that authorities in the U.K. (of all places) have already made more high-profile arrests stemming from the Epstein saga than our own government. Then, Steve Cortes joins the show to discuss his new documentary exposing the infiltration of American universities by Chinese spies. In Hour Two, it's the final Theology Thursday on the book of Romans, as the crew finishes chapter 16. TODAY'S SPONSORS: CONDUIT CLOTHING COMPANY: https://conduitclothing.com/ PREBORN: https://give.preborn.com/preborn/media-partner?sc=IABSD0123RA BEAM: https://shopbeam.com/products/sleep-powder?discount=steve&variant=40436356710455&selling_plan=787415095&utm_source=podcast&utm_medium=sponsorship&utm_campaign=steve and use code STEVE at checkout RELIEF FACTOR: VISIT https://www.relieffactor.com/ OR CALL 800-4-RELIEF PATRIOT MOBILE: https://patriotmobile.com/STEVE or call 972-PATRIOT for your FREE MONTH of service Learn more about your ad choices. Visit megaphone.fm/adchoices

Keke got her eyebrows microbladed and she is over the moon! And you won't believe what Kaelin put on her face!See omnystudio.com/listener for privacy information.

The Vol Death Match Hangover: Micron Rallies While Zero-Day Sellers Feast One day after the legendary Vol Death Match 2.0, the options tape is heating up with massive moves in semi-conductors and a heavy dose of 0DTE (Zero Days to Expiration) risk harvesting. In this episode of the Hot Options Report, Mark Longo breaks down the top 10 most active names dominating the tape, including a wild 33% year-to-date run for Micron (MU) and the "artist formerly known as Facebook" showing resilience despite regulatory headlines. On Today's Countdown: The Semi Surge: Why Micron is the talk of the tape after a $21 leap and what it means for those $420 calls. Big Tech Breakdown: Analyzing the flow in Meta, Apple (AAPL), and Amazon (AMZN) as Warren Buffett trims his stakes. The 0DTE Game: Are traders getting bold? We look at the massive selling of near-dated premium in Microsoft (MSFT), Tesla (TSLA), and Nvidia (NVDA). Dark Side Activity: Why the $195 Puts were the "Hot Option" in AMD today. Dividend Distortions: A deep dive into the massive volume spike in DHT Holdings. Check out the Data: Run your own reports and kick the tires on the best data in the biz at https://www. HotOptionsReport.com. Go Pro: Want to see the Vol Death Match 2.0 replay? Visit https://www. TheOptionsInsider.com/Pro to join the community.

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Le sujet :Calls, puts, strikes, volatilité: les options restent un mystère pour 99 % des investisseurs français alors qu'elles permettent de limiter les pertes, profiter de l'effet de levier et même performer quand le marché stagne.L'invité du jour :Romain Daubry est le cofondateur de L'Atelier des Options. Au micro de Matthieu Stefani, il démystifie l'univers des options en Bourse. Découvre :Qu'est-ce qu'une option (et pourquoi ce n'est pas si compliqué) ?Call et Put : les deux types d'options à connaîtrePourquoi et comment shorter le marché ?Collar et straddle : les stratégies plus avancéesLes meilleures anecdotes de Romain sur les optionsAvantages :Bonne nouvelle ! Nous avons négocié pour vous un avantage exclusif. Avec le code "la-martingale", vous avez -10% de réduction sur toutes les formations de L'Atelier des Options (valable jusqu'au 31/05/2026). Par ici pour en profiter.Ils citent les références suivantes :Les optionsL'Atelier des Options et leur chaîne YouTubeL'effet de levierPut/CallHedgingOrdre stop loss / stop limitPrix d'exerciceLes stratégies du collar et du straddleLe film The Big Short - 2015Le film Trader - 1999On vous souhaite une très bonne écoute ! C'est par ici si vous préférez Apple Podcasts, ou ici si vous préférez Spotify.Et pour recevoir toutes les actus et des recommandations exclusives, abonnez-vous à la newsletter, c'est par ici.La Martingale est un podcast du label Orso Media.Merci à notre partenaire Louve Invest, l'assurance-vie aux frais les plus bas du marché*.Bénéficiez de 0,39% de frais de gestion à vie sur les supports en unités de compte : https://lp.louveinvest.com/offre-av-la-martingale*Source : Benchmark de novembre 2025 réalisé par Les Echos Études.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Episode Overview In this powerful episode, John Kitchens sits down with industry powerhouse Kendall Bonner to talk about building true authority in real estate. From launching the CLIMBR Community to creating the Industry Speaks Academy, Kendall breaks down how agents can elevate from local operator to industry voice. They dive deep into personal branding, performance credibility, referral credibility, AI leverage, and why now is the time to stop playing small. If you've ever thought about growing beyond transactions — into influence, impact, and scale — this episode is your blueprint. Because the future belongs to those who learn, unlearn, and relearn. Key Topics Covered The Climber Community: Raising the Industry Standard Why today's real estate industry is drowning in noise The shift from information economy to trust economy How AI is accelerating both opportunity and skill gaps Why agents must look outside the industry for innovation Building a brand-agnostic, global community focused on growth Kendall explains how Climber Community was born from a mastermind moment — and why it exists to help agents adapt faster than the market changes. The Trust Crisis in Real Estate Most transparent time in history — yet least trusting AI-generated content and credibility challenges Why sales skepticism is at an all-time high The importance of leading with transparency In a world where consumers question everything, trust becomes your greatest differentiator. Personal Brand vs. Industry Brand Kendall breaks down the difference between: Building a scalable personal brand Elevating into an industry-level voice Diversifying marketing beyond traditional lead gen Structuring your business for scale using AI Her advice: Before you grow louder, grow more organized. The Credibility Gap: Why Most Speakers Never Break Through Kendall introduces her three-level credibility framework from the Industry Speaks Academy: Street Credibility You must have real experience and expertise. No shortcuts. Performance Credibility You must put in reps. Small rooms → Mid-size rooms → Large stages. One speech is not enough. Referral Credibility Event organizers need signals: Professional speaker assets Stage footage (not podcasts) Referrals from trusted sources Most aspiring speakers skip steps 2 and 3 — and never understand why opportunities stall. Why Speaking Changes Everything Being on stage: Opens rooms you'd never otherwise enter Puts you face-to-face with decision makers Expands your influence beyond production Elevates your perceived authority instantly Kendall shares how stages transformed her career — connecting her with CEOs, brand leaders, and national organizations. AI as Your Strategic Thought Partner Instead of fearing AI, Kendall recommends: Using AI to operationalize your business Organizing systems for scale Creating structure before growth Treating AI like a business consultant Scale doesn't come from hustle alone. It comes from structure. Resources Mentioned Climber Community → climbercommunity.com Industry Speaks Academy → speakonrealestatestages.com Authority Gap Assessment Speaker Readiness Checklist The Road Less Stupid – Keith Cunningham Alvin Toffler quote on learning, unlearning, relearning Final Takeaway The quality of your life — and your business — is a direct reflection of what you make non-negotiable. If you want to grow beyond transactions: Structure your business Build credibility intentionally Put in the reps Seek rooms that stretch you Learn, unlearn, relearn Because in 2026 and beyond, authority won't belong to the loudest voice. It will belong to the most prepared one. Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!

In this episode of the Teach Different podcast, hosts Steve and Dan Fouts, along with guest Candace Fikis, explore a provocative quote by Malcolm X using the Teach Different Method. They discuss its implications for civil disobedience, the justification of violence, and the role of law in protests. They dive into the complexities of teaching controversial topics in the classroom, emphasizing the importance of creating a safe space for students to engage in discussions about current events and societal issues. The conversation highlights the need for educators to address these topics thoughtfully and encourages students to think critically about the methods of protest and the historical context surrounding them.Episode Chapters:00:00 - Introduction and Context Setting02:07 - Exploring Malcolm X's Quote05:21 - Diverging Perspectives on Protest and Violence13:06 - Consequences of Approaches to Injustice13:34 - Exploring the Complexity of Protest and Law16:23 - The Moral vs. Manmade Law Debate18:21 - Student Protests: Rights and Responsibilities22:36 - Counterclaims and Perspectives on Violence25:07 - Historical Context of Violence in Leadership27:45 - Current Events and the Role of Citizens32:48 - Teachers' Responsibilities in Discussing Controversial TopicsImage Source: Marion S. Trikosko (color by emijrp), Public domain, via Wikimedia Commons

India hosted the world's biggest AI summit this week — 100+ nations, $200 billion in commitments, and enough billionaire handshakes to fill a highlight reel. But beneath the spectacle lies a sharper question: when will it be India's turn to build AI, instead of just buying into it? Snigdha breaks down the gap between infrastructure ambition and intelligence sovereignty. In other news, Mark Zuckerberg walked into a US courtroom as Meta, YouTube, TikTok and Snapchat face a landmark trial. The allegation? That teen addiction wasn't an unfortunate byproduct of the way social media works — it was built into the product. Rachel explains why this case could change everything.If you have any thoughts on this episode write to us at podcasts@the-ken.com with Daybreak in the subject line. You can also leave us a comment on our website or the YouTube channel here.Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

Bongani Bingwa speaks to Mashudu Malabi-Dzhangi, spokesperson for the Limpopo division of the NPA, about a Limpopo murder case that has sparked debate around cultural beliefs and criminal accountability. A traditional healer was sentenced for his role in the killing of education official Malekutu Johannes Mehlape, after allegedly convincing the victim’s daughter that her father caused her mother’s death through muthi. They unpack how the law handles cases where belief intersects with serious crime. 702 Breakfast with Bongani Bingwa is broadcast on 702, a Johannesburg based talk radio station. Bongani makes sense of the news, interviews the key newsmakers of the day, and holds those in power to account on your behalf. The team bring you all you need to know to start your day Thank you for listening to a podcast from 702 Breakfast with Bongani Bingwa Listen live on Primedia+ weekdays from 06:00 and 09:00 (SA Time) to Breakfast with Bongani Bingwa broadcast on 702: https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/36edSLV or find all the catch-up podcasts here https://buff.ly/zEcM35T Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio7See omnystudio.com/listener for privacy information.

Ваш любимый канал «ВОТ ЭТО английский» — теперь в аудиоформате!Попробуйте и научитесь понимать английский на слух с удовольствием

Every year the Chamber sponsors a poll of San Franciscans regarding the health and vitality of our economy and well being of the City by the Bay. The results were unveiled last week at the City Beat breakfast. Mayor Lurie gave the Keynote address and CEO Rodney Fong presided. In today's podcast, Rodney discusses the poll results.

LSU Tigers Football fans should join! - https://www.patreon.com/lsufootball Subscribe to Power Hour LSU! https://www.youtube.com/channel/UCz4trs8T2Bk9mSpcAakL3kw?sub_confirmation=1 Check out Power Hour SEC - https://www.youtube.com/@powerhoursec My New Orleans Saints show - https://bleav.com/shows/bleav-in-saints/ Lane Kiffin NEW “Thick Ness” SHIRT! - https://www.bonfire.com/34thick-ness34-t/ ________________________________________ Sign up now for FASTDRAFT Fantasy! Please use promo code "CARTER" for deposit match bonus up to $50! - https://fastdraft.app/ Note If you use these links, we may earn a commission. Thanks! ________________________________________ PHL on Twitter: https://twitter.com/PowerHourLSU PHL on Instagram: https://www.instagram.com/powerhourlsu/ PHL on TikTok: https://www.tiktok.com/@powerhourlsu

Meta CEO Mark Zuckerberg appeared in a Los Angeles courtroom for a landmark civil trial examining whether platforms like Instagram were deliberately engineered to be addictive and harmful to young users. Attorneys argue that Meta’s design choices function like “digital casinos,” pulling children into endless engagement loops. Zuckerberg’s testimony—his first before a jury—comes as more than a thousand plaintiffs claim long‑term mental‑health damage linked to early social media use. The outcome could reshape how tech giants design and defend their products. 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.

Australians are expected to decrease their private health insurance coverage, or forgo insurance altogether, following the news that premiums will rise from April.

Australians are expected to decrease their private health insurance coverage, or forgo insurance altogether, following the news that premiums will rise from April.

In this episode of the show, Baldy and Stu look back at Day 12 of the 2026 Men's T20 World Cup, which featured three games: India v Netherlands, Pakistan v Namibia and South Africa v UAE. We start the show by discussing the tournament favourites, India, and their final pool match against the Netherlands. Abhishek Sharma fell early again, but starts from the rest of the top order were iced by a big contribution from Shivam Dube, who continues to be an unsung hero for India. The Netherlands batters played some quality shots during the chase, but it was Varun Chakravarthy who starred for India with the ball and helped seal a 12th consecutive T20 World Cup victory. The second game of the day saw Pakistan taking on Namibia in Colombo, with Super 8 qualification on the line. But there was barely a nervous moment as a Sahibzada Farhan hundred powered Pakistan close to 200, and then the spinners took charge with the ball - Shadab Khan and Usman Tariq in particular among the wickets. South Africa made four changes to their side, but still finished off their pool play with a comfortable win against the UAE. Corbin Bosch and George Linde were in the wickets as the Proteas put the squeeze on - bowling 53 dot balls across the innings as the UAE reached 122-6. That score was never going to be enough, and South Africa eased to the total without too much trouble. To round out the show, the boys look ahead to Day 13, which sees the West Indies v Italy, Sri Lanka v Zimbabwe and Afghanistan & Canada finish up their 2026 T20 World Cup journey. There's also a brief recap of the Super 8 qualifiers as the next phase is nearly here.   We'll be back in your feed again tomorrow with the next instalment of our T20 World Cup coverage. Until then please take the time to give us a like, follow, share or subscribe on all our channels (@toporderpod on Twitter & Facebook, and @thetoporderpodcast on Instagram & YouTube) and a (5-Star!) review at your favourite podcast provider, or tell a friend to download. It really helps others find the show and is the best thing you can do to support us. You can also find all our written content, including our Hall of Fame series, at our website. You can also dip back into our guest episodes - including conversations with Mike Hesson, Shane Bond and Mike Hussey, current players such as Matt Henry, Sophie Devine and Ish Sodhi, coaches Gary Stead, Jeetan Patel and Luke Wright, as well as Barry Richards, Frankie Mackay, Bharat Sundaresan and many more fascinating people from all across the cricketing world.  And if you'd like to reach out to us with feedback, questions or guest suggestions, get in touch at thetoporderpodcast@gmail.com. Thanks for listening.  0:00 Intro 0:55 India v Netherlands 12:30 Pakistan v Namibia 21:30 South Africa v UAE 26:55 Day 13 Preview Learn more about your ad choices. Visit podcastchoices.com/adchoices

05:04 Trump ahead in approval ratings compared to past presidents 16:23 Feds warn anarchist group calling for pointing lasers at aircraft with heavy prison sentence 23:04 SAF and DOJ team up to shut down court order for gun group's membership roster 29:06 Cop puts bad guy in neck hold after long battle over gun LEO Round Table (law enforcement talk show)Season 10, Episode 205rr / S11E034 (2,545) filmed on 10/13/2025 1. https://www.realclearpolling.com/polls/approval/trump-obama-bush-second-term2. https://www.tampafp.com/feds-warn-up-to-20-years-in-prison-after-portland-anarchist-group-calls-for-mass-laser-attack-on-aircraft/https://www.rvmnews.com/2025/10/anti-ice-chaos-in-chicago-in-portland-antifa-diverts-ambulance-helicopters-with-lasers-watch/3. https://www.tampafp.com/saf-and-doj-team-up-to-shut-down-louisiana-court-order-for-gun-groups-membership-roster/4. https://rumble.com/v7073f0-portland-officer-puts-suspect-in-neck-hold-after-nearly-7-minute-struggle-o.html?e9s=src_v1_upp_aShow Panelists and Personalities: Chip DeBlock (Host and retired police detective) Jeff Wenninger (retired lieutenant and Founder & CEO of Law Enforcement Consultants, LLC)Related Events, Organizations and Books:Retired DEA Agent Robert Mazur's works:Interview of Bryan Cranston about him playing Agent Robert Mazur in THE INFILTRATOR filmhttps://vimeo.com/channels/1021727Trailer for the new book, THE BETRAYALhttps://www.robertmazur.com/wp-content/uploads/2023/05/The-Betrayal-trailer-reMix2.mp4Everything on Robert Mazur https://www.robertmazur.com/The Wounded Blue - Lt. Randy Sutton's charity https://thewoundedblue.org/Rescuing 911: The Fight For America's Safety - by Lt. Randy Sutton (Pre-Order) https://rescuing911.org/Books by panelist and retired Lt. Randy Sutton:https://www.amazon.com/Randy-Sutton/e/B001IR1MQU%3Fref=dbs_a_mng_rwt_scns_shareThey're Lying: The Media, The Left, and The Death of George Floyd - by Liz Collin (Lt. Bob Kroll's wife) https://thelieexposed.com/Lt. Col. Dave Grossman - Books, Newsletter, Presentations, Shop, Sheepdogs https://grossmanontruth.com/Sheriff David Clarke - Videos, Commentary, Podcast, Shop, Newsletter https://americassheriff.com/Content Partners: Red Voice Media - Real News, Real Reportinghttps://www.redvoicemedia.com/shows/leo/ThisIsButter - One of the BEST law enforcement video channels https://rumble.com/user/ThisIsButterThe Free Press - LEO Round Table is in their Cops and Crimes section 5 days a week https://www.tampafp.com/https://www.tampafp.com/category/cops-and-crime/Video Show Schedule On All Outlets: http://leoroundtable.com/home/syndication/Syndicated Radio Schedule: http://leoroundtable.com/radio/syndicated-radio-stations/Sponsors: Galls - Proud to serve America's public safety professionalshttps://www.galls.com/leoCompliant Technologies - Cutting-edge non-lethal tools to empower and protect those who servehttps://www.complianttechnologies.net/The International Firearm Specialist Academy - The New Standard for Firearm Knowledgehttps://www.gunlearn.com/MyMedicare.live - save money in Medicare insurance options from the experts http://www.mymedicare.live/

Ken Pomeroy

Steve Cohens says the Mets will never anoint a captain; Robert Duvall RIP. All Star weekend was done rather well; However the Anthem was butchered. Steve Cohen owns one of two existing golden toilets. Does he actually use it? Tom Seaver's family selling off personal Mets items; Aaron Judge thoughts on brutal winter. Plus Carton claims to be the best free throw shooter in the building

-It was a slow start, with the Huskers falling behind 20-12 in the first half before taking a one-point halftime lead….then Pryce Sandfortand Sam Hoiberg took over in the second half to overcome an off-day from Rienk Mast and win comforbably-There was lots of groaning from the fanbase during the game and on social media after despite winning by 19…as if they forgot thatthis Northwestern team led Michigan at home by 16 points in the 2 nd half just days prior…fandom rears its ugly headOur Sponsors:* Check out BetterHelp: https://www.betterhelp.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Richard Ojeda swings by the Holler to talk about service, sacrifice, and what real representation looks like in North Carolina's 9th Congressional District. A retired Army major and former West Virginia state senator, Ojeda discusses leading troops in combat, surviving political violence, and why he believes members of Congress should put boots on the ground back home.We talk veterans' health care, small-dollar fundraising vs. corporate PAC money, raising wages, and his challenge to incumbent Congressman Richard Hudson. It's a conversation about leadership, accountability, and who government is actually supposed to work for.

Have you seen this viral eBay scam? We dive deep into the latest and scariest threat facing online sellers: the rise of AI-generated scam photos. Buyers are using artificial intelligence to create convincing images of "damaged" items to demand refunds, even keeping the original, undamaged product—sometimes even sending back a random item like a VHS tape or a box of pasta!We discuss the viral sports card scam example, the frustrations of dealing with unhelpful customer service, and why the current system unfairly sides with new buyer accounts over established sellers. Plus, we compare eBay's high transaction fees (which can exceed 18% when all costs are factored in) with the lower-fee, higher-trust model of alternative marketplaces like BrickLink.What are your experiences? Have you been scammed as a seller or buyer? Drop a comment below and let us know!Connect with the Idiots:☎️ Leave a question, comment, or show idea on our new FITT Voicemail line: (732) 800-19770:00:45 Welcome0:05:30 The eBay Guarantee Just Cost Me $310:10:55 The New AI Generated Damage Scam0:15:10 Trading Card Seller Shows AI Scam Example0:18:19 Why Sellers are Leaving eBay for Rogue 5 Toys0:28:56 How LEGO BrickLink's Low-Fee, Honest Model Works0:33:40 The Truth About High eBay Seller Fees0:37:20 Why eBay Must Implement AI Detection Software0:41:55 Rogue 5 Toys & FITT Patreon0:44:37 Wrap Up#ebayscam #AIScams #ToyCollecting #eBayScamAlert #ChatGPT #GoogleGemini #Grok #eBayFees #eBaySeller #BrickLink #TradingCards #ActionFigures #ToyCollectingCommunity #eBayFraud #FiveIdiotsTalkingToys #FITT #OnlineSellingTips #SellerProtection #VintageToys #toycollectors #LEGO #CAS #AFA #OpenAI #GrokAI-----------------------

The Montana GOP prioritizes judicial elections and party loyalty; Gov. Greg Gianforte and Attorney General Austin Knudsen launch an investigation over a possible violation of the state's "sanctuary city" ban; Democratic congressional candidates try to distinguish themselves.

The Montana GOP prioritizes judicial elections and party loyalty; Gov. Greg Gianforte and Attorney General Austin Knudsen launch an investigation over a possible violation of the state's "sanctuary city" ban; Democratic congressional candidates try to distinguish themselves.

Utah Utes head coach Morgan Scalley Good, Bad & Ugly

Julie K. Brown, the investigative reporter for the Miami Herald, not only reignited the Jeffrey Epstein case by exposing the sweetheart non-prosecution agreement in Florida but also turned her spotlight to Epstein's Caribbean operations. In a 2023 Miami Herald piece titled “U.S. Virgin Islands cozied up to Jeffrey Epstein. Now they're profiting from his sex crimes,” Brown detailed how Epstein benefited from deep ties to the territory's institutions—securing lavish tax breaks and beneficial financial dealings through shell companies like Southern Trust. Her reporting underscored how USVI authorities, including those in positions of power, either overlooked or enabled Epstein's operations, which later came under legal scrutiny through lawsuits and settlements.In the piece, Brown argued that the USVI not only allowed Epstein to operate with little interference but later positioned itself to collect financial benefits through penalties and settlements after his death. This framing suggested that the government was both complicit in allowing the criminal enterprise to flourish and opportunistic in profiting from its collapse. The article sparked strong pushback, including from the University of the Virgin Islands, which issued a public response disputing some of the claims. The controversy reflected the tension between investigative reporting that sought to highlight systemic failures and local institutions that rejected the characterization of their role.to contact me:bobbycapucci@protonmail.comsource:U.S. Virgin Islands profiting from Jeffrey Epstein's crimes | Miami Herald

For most of my career, I've been focused on two things: Operating businesses and Multifamily real estate. The strategy has been pretty simple. Take money generated from higher-risk, active businesses… and move it into more stable, long-term assets like apartment buildings. That shift—from risk to stability—is how I've tried to build durability over time. Now, to be fair, the sharp rise in interest rates a few years ago put a dent in that model. But zooming out, it's still worked well for me overall. So I'm sticking with it. That said, there are other ways to think about real estate. In some cases, the real opportunity is when you combine real estate with an operating business. We've done that before in the Wealth Formula Investor Club with self-storage, and the results were excellent. Storage is operationally simple, relatively boring—and that's exactly why it works. But there's another category that sits at the opposite end of the spectrum. Hotels. They're sexier.They're more volatile.And yes—they're riskier. But the upside can be dramatically higher. One of my closest friends here in Montecito has quietly built a fortune doing boutique hotels over the past few years. He started with a no-frills hotel in Texas serving the oil drilling industry. Over time, he combined his operational experience with his talent as a designer—and eventually created some of the highest-rated boutique hotels in the world. He's absolutely crushing it. Of course, most of us aren't world-class designers or architects. I'm certainly not. Still, his success made me curious. Hotels have been on my radar for a while now—not because I understand the business, but because I don't. When I asked him how he learned the hotel industry, his answer was honest: “I figured it out on the fly—starting with my first acquisition and a great broker.” That's usually how real learning happens. So this week on the Wealth Formula Podcast, I brought on an expert in hospitality investing to educate both of us. We cover the basics: How hotel investing actually worksWhere the real risks are (and where they aren't)How returns differ from multifamilyAnd what someone should understand before ever touching their first hotel deal If you've ever thought about buying or investing in hotels—but didn't know where to start—welcome to the club. You don't have to jump in tomorrow. But you do have to start somewhere. This episode is a good starting point. Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/545-should-you-invest-in-hotels/id718416620?i=1000748759003 Listen on Spotify: https://open.spotify.com/episode/5Lx5Rp4x704lWRazWLqDOK Watch on YouTube: https://youtu.be/GMFf6-g8w_0 Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, if you’ve not done so and you are an accredited investor, go to wealthformula.com, sign up for our investor club. Uh, the opportunity there is really to see private deal flow that you wouldn’t otherwise see because it can’t be advertised. And, uh, only available to those people who are deemed accredited. And then what does accredited mean as a reminder? Well, if you’re married, you make $300,000 per year combined for at least two years with a reasonable expectation, continue to do so, or you have a net worth of a million dollars outside of your personal residence. Or if you’re single like me, $200,000 per year or a million dollars net worth. Anyway, that’s probably, uh, most of you. So all you gotta do is go to wealth formula.com, sign up for investor club because hey, who doesn’t wanna be part of a club? And, uh, by the way, it’s a great price. It’s free. So join it. Just get onboarded and all you gotta do is just wait for deal flow. What a deal. Now let’s talk about different kinds of things to invest in. For most of my career, I, I have really focused on two things I’ve focused on. Either operating businesses, uh, in my case, those operating businesses largely have been medical and multifamily real estate. Uh, the strategy itself, theoretically the way I think about it, take money from sort of these active businesses, a higher risk, move them into more stable long-term assets like apartment buildings. Okay? The idea is that’s how you build some durability over time. Now, to be fair, okay, to be fair. Sharp rise in interest rates a few years ago. Put a little bit of a dent in that model. But here’s the thing is that you can’t throw out the, uh, baby with the bath water. ’cause when I zoom out, still worked well for me overall. So I’m sticking with it and, uh, that’s my story. I’m sticking with it. That said, there are always other ways to think about real estate, right? Real estate is not just multifamily. Um, in some cases, the real opportunity is when you combine real estate and operating businesses. So. We’ve actually done that before in our wealth formula investor club. Um, and we’ve done that through self-storage, for example, and the results were really good. Storage is operationally, generally pretty simple. Probably not that simple, but you know, but more so than other things, relatively boring. Boring is good, and that’s exactly why it works. There’s another category that sits at the opposite end of the spectrum of boring, and it’s sexier and it’s more volatile and it’s riskier. And uh, that is the area of hotels, right, like leisure, that kind of thing. But the upside in those things can be dramatically higher. You know, one of my closest friends here. Montecito, I talk about him all the time. He’s a, he is a little bit of an inspiration to me, although I wouldn’t tell that to in space. He’s built a fortune doing boutique hotels over the past few years and the way he started, you know, and I think it was only about a decade ago because he bought like this no frills hotel in Texas that was serving the oil industry. There was a bunch of guys, you know, drilling needed a place to say, and you know, he had this and he actually. I don’t know that I would recommend this, but he, he told me he bought it sight unseen just based on the numbers. Ah, man, I gotta tell you, I don’t think I’m that lucky. If I bought something sight unseen, it would not work great for me, but it did work great for him. But over time, what he did is he, he combined his operational experience with his talent as he’s like a designer, like designs, homes, an architect, uh, of sorts, although more than that. Um, and he, he used to build houses for like famous people in Hollywood. Anyway, he took that skill and so he combined it with hotels and he created some of the highest rated boutique hotels in the world. And he’s absolutely crushing it. Just crushing it. Of course, the reality is that most of us aren’t world-class designers or architects. I’m certainly not. I’m not artistic at all. Still, um, you know, the fact that he’s had so much success in this space and that he loves hotels. What got me curious? So, hotels have been on my radar for a while, not because I understand the business, but actually because I don’t. And when I asked him how he learned, uh, about the hotel industry, he just said, you know, I figured out on the fly and, uh, you know, started with my first acquisition, had a great broker who taught me everything I, you know, needed to know at the beginning and. That’s a great story. I mean, and ideally that’s how things happen. As you can tell, this guy is, uh, seems to just hit on everything. So good for him. So this week on Wealth Formula Podcast, I wanted to get a little bit of a hotel investing 1 0 1. So I brought on an expert in hospitality investing that could educate both you and me. So we’re gonna cover some of the basics, how hotel actually works, you know, what are the risks returns. Like, what should people do if they even consider, you know, buying their first hotel or investing in one? So if you’ve ever thought about investing, uh, in hotels, or maybe that’s the first time you’re hearing about it and you’re curious, uh, welcome to the club and uh, we will have a great interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Farm I podcast is, uh, John O’Neill. He’s a, a professor of hospitality management and director of the Hospitality Real Estate Strategy Group at Pennsylvania State University. Uh, he spent decades studying hotel valuation performance, Cabo flows and economic cycles in in the lodging industry. John, thanks for, uh, joining us. You’re welcome. So, you know, we’re talking offline. You’ve been in the hotel business for a long time. We’re trying to figure out how to frame this thing because you know, I mean there are, I know there are certainly people in. Uh, who in, in my group and my listeners, my community who are in the hotel space, but a lot of ’em aren’t. And you know, they’ve been thinking about, well, you know, we do a lot of apartment buildings, that kind of thing. Um, you know, what else should we be thinking about? And so, you know, when we hear, uh, hotel, um, they’re thinking of hospitality. But from an investor’s perspective, I guess the first question ask is what kind of real estate asset is a hotel? And, and may, may maybe just sort of fundamentally how different it is. From apartments office or retail? Yeah, that’s a great question because hotels are fundamentally different. But what I’ve seen over the past few years as well is hotels have increasingly been considered to be a component of commercial real estate. So we’ve always thought about office and retail and residential and industrial as being components of commercial real estate, but increasingly. Investors are thinking about hotels that way as well, because some of the high risk aspects of hotels have been moderated a little bit. So they are still considered to be a high risk and potentially high reward category, but they’re much more cyclical than those other types of businesses. So if we look at apartment leases, maybe being a year or two. Office leases may be being three to five years and retail leases could be five or 10 years. The leases in hotels are one or two nights, so there’s upside, but there’s risk involved in that as well. So when there’s pressure in a market to increase rates, like here where I am in University Park, Pennsylvania, when we have a home football game. We can see hotels with average daily rates of maybe a hundred to $200 a night charging seven, eight, $900 per night, and filling up on those rates. You can’t do that in an office building or in a retail center. And so there’s great opportunity when demand increases to push up rates and to greatly benefit from that. The flip side of courses on Sunday night when all those guests leave. You might be back to a hundred dollars a night and running 20 or 30% occupancy. Do hotels kind of follow the rest of real estate in terms of market cycles though? Yeah, it depends. I, I would say in many cases they’re actually leaders, which again, double-edged sword there. So for, yeah, when we plummeted in 2020 because of COVID hotels were probably the first category really to see it. Demand dried up overnight, and you go back to September 11th, 2001 on September 12th, 2001, a lot of hotels were empty and that wasn’t the case with office buildings and retail centers. The flip side, of course, is when the economy started improving, hotel operators could start pushing their rates very quickly. And so other categories of commercial real estate didn’t receive those benefits. Yeah, I mean, obviously there’s certainly gonna be. Real estate that’s often used that that’s often using debt and, you know, probably has the same sort of, uh, issues with regard to cap rate compression or decompression based on interest rates as well. Right, right. So, um, where are we? Right? What would you say right now, like, I mean, we know that. Our, we’ve been following very closely on the multifamily side. You know, prices are depressed. I mean, from 2022, we’re looking at probably 30% to 40%. Most, most, uh, large apartment complexes are not moving because people don’t wanna sell into a down market. But when they are, they’re being sold at 30, 40% discounts compared to 2022. Where is the, where is the hotel? Market at right now? It it, it’s challenged because right now we’re seeing discrepancies between where buyers wanna buy and sellers wanna sell. We’ve started to see some movement because some sellers have come down a bit in pricing because of what we’ve seen in 2025, the market really did soften as far as the hotel business is concerned. So in 2025. We really saw no increase in occupancy and in many markets we saw some decreases in occupancy. We are still seeing average daily rates going up a little bit, so yeah. Might be worth maybe a quick step backward that the two key indicators in terms of hotel lodging performance would be occupancy and average daily rate. With occupancy being the extent to which the guest rooms are occupied and average daily rate being the average price somebody is paying. We can talk about the mathematics of those, but, um, just I think conceptually, hopefully that makes sense. But, so, you know, at this point what we’re seeing is average daily rates are still going up a little bit, and the forecasts for 2026 are. Pretty much more of the same, where we’re not expected to see great occupancy increases, but we are anticipating that the average daily rates might go up a little bit. Uh, and, and in fact we might see occupancies decline slightly. And, uh, we might see, uh, average daily rates still possibly going up a little bit. That’s usually an indicator of being late in the cycle, you know, being somewhere near the peak and, and, you know, if the trough was 2020. Which was a pretty deep trough. 2021, we started seeing improvements and we saw great improvements in 22, 23, and 24, and so it’s looking like the end of a cycle. The thing we don’t really know for sure is, is there some reason that we’re going to really go into a substantial down period or are we actually in a situation where we’re going to have another upcycle? Yeah. You know, the other thing I was curious about too, like when you talk about these cycles for hotels, even within hotels, there are certainly, you know, different types of hotels. You know, there’s the boutiquey ones that are pe really pure tourism versus the ones that, okay, well maybe they are, you know, good for football games or. There’s others that are people use for, for, for work frequently, right? They’re, they’re just passing through for, for work trips. Do you, is there, um, is that difficult to extricate those types of different economies running at the same time? It’s not, I, I don’t know that it’s that difficult, you know, just to give you a little bit about my background, I’ve been a professor for some time, but prior to being a professor I worked for. Three of the four major hospitality organizations, namely Marriott, IHG, and Hyatt. Uh, and so going back into the 1980s when I was doing feasibility studies for proposed Marriott hotels, we, in most markets, analyzed three markets segments. And, and you essentially said what they are commercial business, which are your business travelers, leisure business, which are your pleasure travelers, and then groups, which includes conventions and, and those are still the three major market segments in most markets. In, in some markets. For example, if you’re approximate to a major international airport, there’s usually a fourth segment, which is that fourth segment is airline crew business, which is, is very different than the other three because. Whereas the other three go up and down throughout, not just the year, but throughout the week. Airline crew business tends to be stable throughout the year, so it, it, it’s in your hotel 365 nights outta the year. So it’s, it’s a very low risk, but also a very low rated market segment. So it, I don’t know if that’s that complicated, but it just needs to be broken out as you delineated it, which is that there’s. Three or four market segments in any market. And in terms of studying a hotel for development or for investment, it’s necessary to understand not just what’s going on on the supply side, in other words what’s going on in the hotels, but what’s going on in the demand side as well. So give you an example. I recently did a feasibility study in a market, which is a big pharmaceutical market. So I actually spent time with major pharmaceutical people talking about, where are you staying now? Why are you staying there? Are you a member of the Frequent traveler program? How does your business vary throughout the year? What rates are you paying? What facilities and amenities are you seeking? And things like that. So to really understand the demand because that demand segment. So important in that market. So it is ultimately a street corner business and what’s going on in a specific market in terms of the mix of commercial, leisure and group business and possibly other market segments. Really is something that we have to study in depth when we conduct a feasibility study or an appraisal for hotel. I, I don’t know if I mentioned, I’m a licensed real estate appraiser too, and although my licenses allow me to appraise any type of property, I only appraise hotels. Got it. Businesses fundamentally changed pre COVID and post COVID. I would assume that there’s probably less travel. Are you seeing impact? On those types of hotels from that kind of, you know, less travel, more zoom type activity. Yeah. And, and that’s a great, that’s a great follow up because with those market segments, although the segments are the same. The demand from each of those segments really has different, and, and as you said, it really changed substantially in COVID. It, it, it’s fascinating how once we were forced to use Zoom and, and other, you know, Microsoft teams and other technology like that, you know, we, we kind of did a kicking and screaming. But once we figured it out, we realized we didn’t get a lot done. Uh, now I spent last week in Los Angeles at America’s Lodging Investment Summit, and I go to this. Function every year, because I see many of the same people year after year, and the business cards might change, but it’s the same people involved in the hotel business, whether they’re brokers or investors or asset managers or consultants or appraisers. But in between. Each year I do a lot on Zoom with these people and you know, we can keep those relationships going. So it hasn’t eliminated, you know, in my personal case, my need to travel, but it has substantially reduced it. And I think a lot of other business people have seen the same thing. So if we look at the recovery since COVID, it was fascinating because the first market segment that recovered and recovered really strongly was leisure business and people, people see it as their right. To have a vacation and, and people were paying high rates, particularly in, in, in mountain locations and in beach locations. And so those rates came up really quickly. And then the group business followed. If people do wanna go to group functions like I did last week in la what has not recovered to the level of 2019 though is the business travel. Right. Interesting. So I, that’s probably a, uh, you know, and he, I can’t really see a particularly promising future for that Subsect either. Right. I think, in fact, bill Gates said it’s never going to be back to the, you know, he, he’s an investor in Four Seasons hotels, and he said it’ll never be back to the way it was in 2019. I don’t know if he’s right. I mean, because I, I still feel like we get a lot of things done. Face-to-face, person to person that we really can’t do in Zoom. I don’t think Zoom is great for establishing relationships. I, I still think that we need face-to-face, uh, personal contact. But, you know, that might be just my perspective because I’ve been working in hotels since I was a teenager and I’m really far from being a teenager now. And, you know, I, I’ve been indoctrinated in this philosophy of the importance of face-to-face contact. But yeah, you know, that might be generational. You with a younger generation. Yeah. Yeah, absolutely. Um, you know, just kind of going back to the difference differences, uh, with compared to other real estate hotels, ultimately the, one of the big differences, they’re operating businesses, right? I mean, they’re not that large. Apartment buildings aren’t, but they’re is I think, a specific sort of operational execution that matters a lot in hotels. So, you know, in invest, when investors are kinda looking at that, I mean, they, they should probably be not looking at it as nearly as passive as other real estate investments. Is that fair? I, I think that’s very fair because I think, you know, it, it shows what’s happened in terms of the market with real estate investment trust. Because I’ve sold my entire position in hotel real estate investment trust and, and as you probably know, if we look at real estate investment trust. Different categories in, in commercial real estate, hotels lag, which is fascinating because everything else we’ve been talking about explains why hotel returns tend to outperform other classes of commercial real estate. More volatility, but higher returns on average. If you can withstand the long period, uh, that you need to be an investor. On real estate investment trust, it’s the opposite. Hotels actually lag and, and I think it really is because of exactly what you’re talking about, which is that they really are like an operating business where there’s also real estate as opposed to a real estate play where it’s almost like there’s an annuity of rent that is very easily projected, uh, in hotels. You know, we, we. Project all the time how they’re going to perform. But you know, you know, I hope my projections are very good, but there’s always things that can COVID. For example, you know, now there’s a virus in, in India that you know might be coming and, you know, we don’t know, will this be substantial or will it be really minor in the Americas? We really don’t know. Uh, that won’t have a big effect on, on other classes of real estate investment trust, but. It could have a big effect in hotels, so, so the unknowns in hotels are very high. And then when you combine that with the fact that they are an operating business, which are very labor intensive and wage rates are going up. So the cost structure and the management of that cost structure becomes. Very important and the expertise of the hotel managers becomes very important. And so, yeah, like you say, other classes of commercial real estate or, or institutional real estate investments have an operational component. It’s much greater when it comes to hotels. So I actually have a friend who’s an, um, owns, uh, a few boutique hotels here in, in California, and he was telling me one of the things that he’s kind of worried about is, um, you know, they, they’re, they have some, um. Some mandates coming up with regard to, you know, minimum wage and, and all these things that, uh, hotel workers have to get, uh, give you just outta curiosity. I mean, most of my audience is not in California. I am, but have you heard about this? Can you tell us a little bit about those pressures? Yeah, I have heard about it. And there’s, there’s forces on the other side as well, namely the American Hotel and Lodging Association, which represents hotel owners, managers, and franchisers. And so they have a voice in these things as well. But the, the, the forest, particularly in places like California and, and in the west coast in general, we’ve seen it in Seattle as well. Um, you know, in, in terms of increasing minimum wages to rates that, that are shocking to me. Um, you know, that’s, that’s a big issue. You know, you don’t see it as much in the middle of the country, but you do see it on the coast and particularly in the, on the West Coast. So, you know, if we’re looking at projections, say into 2026 and, and perhaps beyond, we expect in many cases to be seeing higher growth in wage expenses than we expect to see growth in RevPAR, which is room revenue, preoccupied room, which is just occupancy times average daily rate. So the, the overall revenue is expected, at least in the short term, to grow more slowly. Than expenses and, and wages are really driving a lot of it. And then anything that’s affected by wages, so insurance, for example, property taxes, other expenses are really growing at this stage more than what we’ve seen in terms of revenue growth. So that’s, that’s a challenge right now. The, the question I think really then is how much will AI affect that and to what extent will guests become more comfortable with checking in? On an iPad type of a situation as opposed to seeing a person face to face, and there’s probably generational differences there. What it is forcing hotel operators to do is the same kinds of things that restaurant operators have been forced to do, which is find ways to use technology and actually have the guests face the technology and get the guests comfortable with that. In terms of things like check in and check out, you know, but still in hotels the rooms have to be cleaned and, and although there’s robots that. You know, they’re nowhere near what, where they need to be to actually clean Hotel guestroom jet, at least in any sort of economically viable way. But, you know, the long-term question is to what extent will the industry be adopting AI and other technology in order to address that issue? Because that’s what’s going to happen. It’s, it’s, you know, it’s not just going to be a situation where. The operators will accept paying higher wages and have the same number of employees in each hotel. Right. Um, branding, you know, sort of confusing to a lot of people. Not in the space, but you know, what role do hotel brands actually kind of play in, in protecting revenue and value? Um, and I guess when does a brand help an owner versus become a constraint? Yeah. You know, brands have been very important and, and I, I forget if I mentioned but of the, the big brand companies I’ve worked for three of them and, um. You know, they, they, they typically started as management companies. So originally companies like Hilton and Marriott primarily generated revenue through management fees. And so they own some of the real estate, although they’ve become asset light over the years and own very little, if any, anymore. Uh, but they do still manage hotels. So one thing that the brand companies do have is expertise in terms of management. That’s one of the fees that a branded hotel and a non-branded hotel would have as well, would be a management fee, which is usually expressed as a percentage of revenue. And sometimes there’s an incentive structure in there as well. But then there’s a franchise fee, which is just paying for the brand, and, and that’s usually as a percentage of total revenue, higher than the management fee. But what it does is it, it, it. Puts the property in a global distribution system, so the global distribution systems that brands like Marriott and Hilton and IHG and, and HIA have, uh, they. Generate heads and beds. You know, that’s, that’s the term we always, when I worked at Hyatt and Merritt, we always talked about heads and beds. Every night you’re trying to, trying to get people in the rooms. The brands do a lot to put heads and beds, you know, in a typical hotel with a good brand affiliation. Somewhere between probably a third and two thirds of the occupy rooms actually came in through the brand global distribution system, which historically was a toll free reservation system. And although the, you know, those still exist now, it’s really more of a focus on the online system and, and, and sometimes toll-free reservations and direct reservations. But, but that’s what the brand does. It, it, it ultimately is a generator of. So kind of just focusing on somebody who’s potentially thinking about hotels as an investment. So far, what I gleaned from you, and, and correct me if I’m wrong, is that timing probably isn’t perfect right now. We’re probably, you know, we’re probably in a, you know, a peak and you generally not a great idea to buy in peaks. Um. I personally, from what I understand, would stay outta California. You know, uh, you know, like my friend was saying that it was gonna make it very difficult for a lot of hotels to have their, you know, hotel restaurants even. And so he foresees like a lot of them having to close those down. Um, and then the, the next thing I think is, gosh, you really have to be cognizant of the, of the fact that, you know, work patterns are changing. And so maybe that’s not a good. Way to go, either. What other, what are some other big picture things that you think people ought to be thinking about as they evaluate the space? Yeah. Well, I think there’s a couple of things. One of which is. That is a street corner business. So it really depends on what street corner you’re in. Uh, I’ve done some research just on how hotels perform in university towns versus other locations because, for example, there are brands now called graduate hotels, which eventually was acquired by Hilton, uh, and, uh, scholar Hotels and, and these properties are university town hotels. They’re doing okay. You know, they’re, they’re doing okay. If you look at how universities operate, we’ve seen some Ivy League schools pay 60, $80 million or more just to make sure they keep that billion dollars a year coming in from the federal government that they, they get for research grants and, and we’ve seen, you know, look at what’s going on with NIL now in terms of, of university sports. Universities clearly are willing to. You gen willing to spend a lot of money to keep doing what they do, which is, you know, they, they generate a lot of research and I’m talking about. Big universities now, uh, you know, a lot of research and, and there’s a sporting business aspect to universities as well. So university towns are okay, and, and what I ultimately found in my research is they’re much less cyclical than the average. So, you know, we talk about the risk of hotels as things go up and things go down and things go up and down. That doesn’t happen as much in university towns. You know, big universities don’t close and, and don’t even substantially change their business model. So it really depends on, on where you’re located. And then there’s certain cities as well, you know, people, you know, I, I don’t have to go into detail about my last visit to San Francisco and how weird it was, and I was with students and, and told my female students don’t go out at night alone. I mean, it was, it was, it was really freaky, but. San Francisco now might be a place to invest. Now San Francisco probably has bottomed out. Uh, and the same might be true with New York. So, you know, it really depends on where you’re going. I, I think in general, yeah, you know, there’s, there’s concerns, but even so, you know, I think it’s still might be a good time to invest in. Good quality hotel companies, just, you know, in terms of the stock market and, and equity in, in businesses like Marriott and, and Hilton because their franchise fees and their management fees are a percentage of total revenue. So hotels that are not profitable, that are a member of those brand affiliations are still paying. Into those systems and you know, hopefully the goal is that these properties become profitable, but even while they’re not profitable, they owe franchise fees and in some cases management fees as well. So I think there are a lot of ways to still invest in the hotel business. It’s just what vehicles are being used and where. So, you know, it sounds a little overwhelming, um, for someone who, again, who’s new to the space. Any suggestions on how somebody might just learn more about this ecosystem and, you know, start to go down this path of potentially becoming, you know, a hotel investor? Yeah. Well, first thing is, you know, we talked about ai. AI is pretty good for helping people to learn. So if you wanna learn about the hotel business, you can go and have a really good conversation with chat GPT about what makes it click and where could the opportunities lie today. Uh, you know, I’ve gone over the past year from essentially not using AI at all to using it essentially every day. And so that’s a great way because that’ll access a lot of, there, there’s trade journals, for example, but it’ll access those things. Uh, the conference, like I went to last week, the America’s Lodging Investment Summit, which is in LA every year is a. Is a great place to learn as well. There’s, there’s wonderful sessions and that conference is attended by everybody from Anthony Capano, who’s the CEO of Marriott, down to people involved in real estate and investments in the hotels and, and who essentially make their living. Off of those as brokers, appraisers, consultants, asset managers and things like that. So, so there’s ways online to do it and there’s ways to do it actually by attending conferences as well. Yeah. A good broker as well. Right. I mean, you know, going back to my, my friend who, who’s become a very successful hotelier, the first one he bought, he threw a broker and he said he learned everything about hotels that he knows from that guy. Um. So that’s probably, it probably tells you something as well. Yeah. And, and there are some excellent hotel brokers. There’s some who are national in scope and some who are local in scope. So again, it depends on where you’re thinking you might wanna be investing. Uh, but, but there’s some great local brokers, but then there’s national firms like JLL and CBRE and Hunter, uh, that, you know, they have really good people who are very knowledgeable about the hotel business. Yeah. John, thanks so much for, uh, joining us here on Wealth Formula Podcast and giving us sort of an overview of the, uh, um, hotel, uh, real estate, uh, uh, asset class. You bet you make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed and again, uh, hey hotels. Think about it. I guess. Uh, I continue. I will continue to do so, uh, especially given my buddy’s success in this space. Um. Although, I will tell you, I probably am not a boutique hotel guy. Um, you know, I don’t, I don’t know that I could make it super fancy, you know? And then on the other hand, you hear about these, uh, hotels that are. For the people traveling through and they’re not doing this so great. So maybe wait till that we hit that, um, that trough that he was talking about, he said we’re kind of at a peak right now. Anyway, that’s it for me. Uh, this week on Wealth Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

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