Podcasts about Quantitative

Is your messaging making you memorable, or just visible?You could have the best content engine in your industry, be publishing consistently across multiple channels, and focusing on quality. But if it isn't memorable, none of it sticks.Core messaging and positioning is one of those things that sounds simple until you try to do it well. If you asked ten people in your organization what you are all about and why customers should choose to work with you, would they all broadly answer in the same way?In most organizations, the answer is no.That inconsistency shows up everywhere. In your content, on your website, in sales conversations, and in ways that are hard to trace back to the source.In part four of our seven-part B2B content strategy series, Amy Woods digs into what messaging is, what goes into a messaging framework, and how to know whether yours is working for you.Find out:What messaging is and why consistency is what makes it stickWhether you can have a B2B content strategy without clear messagingThe five components every B2B messaging framework needsHow to define your messaging and positioning through internal conversationsHow to use your messaging framework on a daily basis, including how to embed it into your AI toolsThe signals that tell you your messaging is workingWhen to review your messaging and how to update it without doing a hard pivotImportant links & mentions:Blog post about this episode: https://www.content10x.com/357Part one of the B2B content strategy series - What Is a B2B Content Strategy (And Why Does It Matter)?: https://www.content10x.com/354Part two of the B2B content strategy series — How Do You Align a B2B Content Strategy to Business Goals?: https://www.content10x.com/355Part three of the B2B content strategy series — How Does Competitor Analysis Fit Into Your B2B Content Strategy?: https://www.content10x.com/356B2B content strategy series on YouTube: https://youtube.com/playlist?list=PLVwaHzx-z4d4Rcnrh2VsUN9d47rrdMypp&si=NjYvp1Ilo26KnIF3Amy on LinkedIn: https://www.linkedin.com/in/amywoods2/Content 10x website: https://www.content10x.com/Amy's book: www.content10x.com/book (Content 10x: More Content, Less Time, Maximum Results)Timestamps:01:57 Free B2B Content Operations Benchmark Assessment02:35 What is messaging?03:44 Why a great content strategy can't exist without clear messaging04:33 Who owns messaging?05:10 Core components of a messaging framework06:55 How to define messaging through internal conversations08:35 Where messaging shows up in real-world execution09:16 Opinionated content and category positioning10:38 Embedding messaging into AI tools and workflows11:09 How to know your messaging is working (or not working)13:08 Quantitative vs qualitative signals from customers and sales13:47 Revisiting and adjusting your messaging framework16:07 Recap and what's next17:55 Wrap upAbout the host:Amy Woods is the CEO and founder of Content 10x, a creative agency that provides specialist content strategy, creation and repurposing support to B2B organizations.She's also a best-selling author, hosts two content marketing podcasts (The Content 10x Podcast and B2B Content Strategist), and speaks on stages all over the world about the power of content marketing.Join thousands of business owners, content creators and marketers and get the latest content marketing tips and advice delivered straight to your inbox every week https://www.content10x.com/newsletter

Commentary by Dr. Jian'an Wang.

The options market is entering a new era. Quantitative strategies are no longer confined to institutional desks — they're being deployed by a new class of self-taught, tech-enabled participants leveraging data analytics, APIs, and algorithmic execution. This panel explores how this shift is reshaping intermediation, liquidity, and education. Moderator: Jermal Chandler, Head of Options Strategy, tastylive Panelists: Jessica Inskip, Director of Investor Research, Stockbroker.com Brent Kochuba, Founder, SpotGamma Steve Quirk, Chief Brokerage Officer, Robinhood This panel is proudly sponsored by Theta Data.

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Watch the 5 Retirement Plan Vulnerabilities webinar: https://retirementloop.ca/webinar Today, we look into TQCD TD Quantitative Dividend Focus ETF. I compare it with XDIV, VDY, XEI and CDZ. It's all about dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/

The Learning Leader Show with Ryan Hawk Read my NEW BOOK -- The Price of Becoming -  www.LearningLeader.com/Becoming Eric Ries is the author of The Lean Startup, one of the most influential business books of the past 25 years, and the founder of the Long-Term Stock Exchange, the first new U.S. exchange to both list and trade multiple stocks since NASDAQ launched 50 years ago. His new book is Incorruptible. Key Learnings The more successful a company becomes, the more valuable it is as a target. Companies are worth stealing and taking over. Most founders are naive about this and don't understand what's coming for them. They've been following the so-called best practices about how companies should be built, structured, and governed. Most of those best practices are value-destroying. Sol Price was a lawyer before he became an entrepreneur. He believed a lawyer had a fiduciary duty to put the client's interests before his own. So when he became a retailer, he asked: "Who's my client?" The customer. He treated the customer as the person he would rather die than betray. When competitors sold a product for less, he'd put up signs in his own store: "Don't buy this from me. You can get it cheaper somewhere else." He capped his margins at 14 percent. He paid above-market wages. It is so much easier to destroy than to create. One day, Sol came into work and couldn't get into his office because the locks had been changed. Investors had pushed him out and forced Fedmart to practice retail best practices. Within seven years, they bankrupted the company. We've built an economy that rewards people for cost-cutting without holding them accountable for the consequences to trustworthiness, brand, or culture. The origin story of Costco: Sol took two weeks off, then leased the office upstairs from Fedmart and started Price Club. One of the young guys who left with him, Jim Sinegal, had worked his way up from stock boy. Jim eventually started his own company using the Sol ethos. A few years later, their companies merged to form what we now call Costco. Wall Street routinely calls Costco the exception to every rule. Wall Street analysts say things like: "At Costco, they take money that rightfully belongs to shareholders and instead invest it in the customer experience." As if that's a criticism. Costco endures because it's protected by a governance fortress. A series of worst practices that resist outside pressure structurally. The $1.50 hot dog has been the same price since 1986. A McDonald's Big Mac was $1.60 in 1986. Today that same Big Mac in California is over $7. Costco sells more hot dogs than every Major League Baseball stadium in America combined. If they raised the combo to $7, it would be a billion dollars of extra net income. They could do it. They choose not to. "If you raise the price of the effing hot dog, I will kill you. So figure it out." Jim Sinegal said it to his COO in 2008 when costs were rising. Figure it out. Costco vertically integrated the hot dog supply chain. They own hot dog production plants in multiple cities. They worked deals with soda vendors. They did all that extra work for the privilege of not making more money on the hot dog. Harder is easier. "When you take the hard road, when you make a principled commitment, you get these almost unbelievable values. Because you're generating the most underrated and most valuable asset in all of business: trustworthiness." "Easy choices, hard life. Hard choices, easy life." Jerzy Gregorek, Olympic weightlifter. "Everybody wanna be a bodybuilder. Nobody wanna lift these heavy ass weights." Ronnie Coleman, eight-time Mr. Olympia. Everyone wants the outcome. Nobody wants to do the actual thing. Culture and mission can be cultivated, not commanded. Most leaders get this wrong. They say "I'm in charge of my team." But can you command your team to have integrity? Can you command it to have a particular culture? You have to make consistent, responsible choices, just like cultivating health in your body. Get reps. Eric gave practice talks at a Hobee's restaurant at 7 AM to six people just to get the reps. Caring and trying to do a good job is so unbelievably rare. That alone is a competitive advantage. Feedback tells you something about the person giving it, not about yourself. If someone reads Eric's manuscript and says, "This book sucks," he hasn't learned anything about the book. He's learned this person doesn't like this kind of book. When he stopped arguing with negative customer reviews and started studying who they came from, he noticed patterns. People 16 and younger loved the product. People 16 and older hated it. He learned who his product was for. Separate qualitative from quantitative feedback. Qualitative is for hypothesis generation. Quantitative is for hypothesis validation. When test readers told him a chapter wasn't working, that was qualitative. When the platform data showed nobody was getting past that chapter, that was quantitative. You need both to know what to fix. It is always too early until it's too late. Eric tells the story of a multibillion-dollar founder he warned before his IPO. The founder talked to his bankers, lawyers, and CFO. They told him Eric was a downer. The founder went public anyway with conventional governance. Five months later, his stock dropped 90 percent, and he was ousted. The best time to plant a tree is 40 years ago. The second-best time is today. Eric's checklist for building an incorruptible company: Encode your mission into the corporate charter. Most founders have never read their charter. If your mission statement says one thing but your legal charter says another, you're lying. The easiest fix: file a public benefit corp filing (PBC). Two pages. 44 states. Your lawyer can do it tomorrow. Identify your fiduciary commitments. Who would you rather die than betray? Is it your customers? Your employees? Product quality? You decide. If your answer is nobody, you're a sociopath. The whole book is for the people who actually want to accomplish something. Align your employees to that mission. Make sure everybody on the team is committed to the same fiduciary priority. Create a director's oath. Like the Hippocratic Oath for doctors, but for your board. They must pledge to commit to the company's mission. Board betrayal and investor pressure are leading causes of death of companies in the modern world. Make the directors accountable to somebody. Power without accountability is corrosive to the human spirit. Novo Nordisk is governed by a nonprofit foundation. Patagonia is governed by a perpetual purpose trust. John Lewis Partnership in the UK is governed by an employee ownership trust. IKEA, Vanguard, and REI all have these structures. The data shows these companies are dramatically more stable and higher performing than conventional structures. You are not stuck in traffic. You are traffic. People love to blame the system. But you're not just a passenger. You're part of what creates the system. Where you work. What you buy. What you give your attention to. Every one of those choices is fueling somebody's company, somebody's algorithm, somebody's bonus. The richest people in the world spend billions on PR because they know your individual choices matter. Use that power. Eric's champagne moment a year from now: a grassroots movement around Incorruptible. This book won't get wall-to-wall media coverage. It's antagonistic to people in power. So Eric hopes readers will hand it to their founders, their bosses, their friends. If consumers and employees start demanding, "I want to work in an incorruptible company," that's the toast. Reflection Questions What is your equivalent of Costco's hot dog? The one commitment you'd defend even when it's financially painful, even when the easy move would be to abandon it? Have you ever read your corporate charter, or the foundational document of your team or department? Does what's actually written match what you say you stand for? Where in your work or life would the harder short-term path build something more durable in the long run? Are you willing to lift the heavy weights? More Learning #258: Jesse Itzler: Creating Your Life Resume & Living Outside the Box #529: James Clear: Setting Up Your Future Self & Becoming an Optimist #565: Noah Kahan: The Art of Asking For What You Want Podcast Chapters 00:00 The Price of Becoming - Pre-Order Now!  01:03 Meet Eric Ries  02:55 Is It Possible to Build an Incorruptible Company?  04:04 Why Culture Alone Won't Save You  05:13 Sol Price, Fedmart, and the Locks That Got Changed  07:56 Why Wall Street Calls Costco the Exception  09:11 The $1.50 Hot Dog Story  13:59 Harder Is Easier: The Principle Behind It All  16:48 Why Governance Is Just Soul Craft  19:50 Building the First New Stock Exchange Since Nasdaq  22:33 Eric's Communication Style: Reps, Not Talent  30:52 The Opportunity Hiding in Broken Markets  31:59 How to Know Which Feedback to Listen To  35:39 Qualitative vs. Quantitative: Why You Need Both  37:23 The Whole Foods Cautionary Tale  40:25 The Founder's Checklist for Building Something Durable  43:44 Encode Your Mission Into the Corporate Charter  47:35 You Are Not Stuck in Traffic. You Are the Traffic.  52:37 The Champagne Question: A Grassroots Movement  55:27 James Clear, Author's Equity, and the Future of Publishing 56:43 EOPC

Alfred Wallfors is the Co-founder of Listen Labs, the AI customer research company.Companies like Microsoft use Listen to run AI-powered customer interviews, and Alfred talks about how they first landed them as a customer at a pitch competition.We talk why startups should pursue enterprise customers early on, why 85% of survey answers are random clicks, how AI is changing the $140B market research industry, leveraging VC's for customer intros, how to stand out when recruiting as a startup, and hiring for obsession.Thank you to Numeral, Flex, and Amplitude for supporting this episodeNumeral: The end-to-end platform for sales tax and compliance https://www.numeral.comFlex: Get premium banking and a net 60 day credit card at 0% APY https://home.flex.one/referral/bananacapitalAmplitude: AI analytics, all you have to do is ask https://www.amplitude.comTimestamps:(0:14) Listen: AI customer research tool(7:30) Fraud is a big problem in customer research(9:06) The $140B customer survey industry(12:08) Why running customer surveys is so hard(16:03) AGI will never replace humans(18:25) Surveys vs interviews(21:13) Importance of emotion in data collection(22:54) Using AI interviews to get product feedback(26:15) Building digital twins creates better data(32:22) Outperforming generic AI tools(34:17) Sweetgreen's Max Protein Bowl(36:09) Jevon's Paradox in customer research(40:37) Quantitative vs qualitative(42:38) Landing Microsoft as an early customer(44:50) Targeting enterprise customers from day 1(48:05) Building a VC customer intro leaderboard(51:53) Recruiting with billboard games(57:20) Hiring for obsession(1:02:07) Alfred's favorite movies(1:03:53) Listen's custom agent harness(1:06:24) Velocity Fellowship for Swedes moving to SF(1:08:34) Growing up with entrepreneurial older brother(1:09:46) No shoes in the officeReferencedTry Listen: https://listenlabs.ai/Careers at Listen: https://listenlabs.ai/careersSweetgreen protein bowls: https://listenlabs.ai/case-studies/sweetgreenToni Erdmann: https://www.imdb.com/title/tt4048272/Episode with Erik @ Modal: https://www.thespl.it/p/building-ai-native-infrastructureFollow AlfredTwitter: https://x.com/itsalfredwLinkedIn: https://www.linkedin.com/in/wahlforssFollow TurnerTwitter: https://twitter.com/TurnerNovakLinkedIn: https://www.linkedin.com/in/turnernovakSubscribe to my newsletter to get every episode + the transcript in your inbox every week: https://www.thespl.it/

Javed Mirza, quantitative and technical strategist at Raymond James, shares his outlook on Canadian Stocks.

ทำไมนักลงทุนถึงต้องจับตา กองทุน FP QUANT ตอนจีนกำลังกลายเป็นโรงงานโลก 2.0 ? | ลงทุนแมนจะเล่าให้ฟัง หลายคนรู้จัก “จีน” ในฐานะ “โรงงานโลก” ที่รับจ้างผลิตสินค้าตามสั่ง ก่อนที่จะค่อย ๆ พลิกตัวเองเป็นผู้รับจ้างออกแบบ และผลิตสินค้าให้กับแบรนด์ต่าง ๆ แต่ภาพเหล่านั้น เป็นแค่ฉากหนึ่งของโรงงานโลก ฉบับ 1.0 ของจีนเท่านั้น เพราะต่อจากนี้ จีนกำลังเข้าสู่การเป็นโรงงานโลก ฉบับ 2.0 ที่มีมูลค่าสูงขึ้น แถมยังสำคัญกับโลกมากกว่าเดิมอีกด้วย ยุคโรงงานโลก 2.0 ของจีน จะเป็นภาพแบบไหน ? แล้วนักลงทุนจะคว้าโอกาสจากการเปลี่ยนแปลงครั้งนี้ได้อย่างไร ? ลงทุนแมนจะเล่าให้ฟัง จับจังหวะตลาดจีนฟื้นตัว ไปกับ กองทุน FP QUANT กองทุน FP QUANT โดย บลจ. เฟิร์ส พลัส (ประเทศไทย) คือคำตอบสำหรับนักลงทุนที่ต้องการจับจังหวะการฟื้นตัว ของตลาดจีน ด้วยกลยุทธ์ Quantamental ที่ผสมผสานการวิเคราะห์เชิงปริมาณ (Quantitative) กับปัจจัยพื้นฐาน (Fundamental) อย่างเป็นระบบ ลงทุนในหุ้นจีน A-Shares บน SSE และ SZSE ไม่น้อยกว่า 80% ของ NAV คัดกรองหุ้นด้วย 3 มิติ : Quality | Valuation | Volatility Rebalance พอร์ตทุกเดือน รับมือทุกความเปลี่ยนแปลงของตลาด เงินลงทุนขั้นต่ำเพียง 1,000 บาท เปิด IPO : 18–22 พฤษภาคม 2569 นี้ โทร. 02-761-6550 LINE Official : @FirstPlusTH

Artificial intelligence and machine learning are contributing increasingly to the process of identifying stock investment opportunities and managing portfolio risk, particularly when it comes to quantitative equity strategies that use mathematical models, algorithms and vast datasets to identify and capture the best ideas. Ram Rasaratnam, CIO for Quant Equity Strategies at AXA IM Core, part of BNP Paribas Asset Management, tells Chris Iggo, Chief Investment Officer, AXA IM Core, that AI and machine learning are revolutionising how researchers improve the models that support the firm's analysis of a potential investee stock's valuation, quality and future earnings trajectory.For more insights, visit Viewpoint: https://viewpoint.bnpparibas-am.com/Download the Viewpoint app: https://onelink.to/tpxq34Follow us on LinkedIn: https://bnpp.lk/amHosted on Ausha. See ausha.co/privacy-policy for more information.

Most SaaS leaders are asking the wrong question. They obsess over NPS and CSAT scores, celebrate high satisfaction ratings, and then watch customers quietly disappear. In this episode, Jeff Mains sits down with Rick DeLisi — co-founder of The Effortless Experience, creator of the Customer Effort Score (CES), and Chief Evangelist at Glia — to challenge one of the most dangerous myths in customer experience: that satisfaction equals loyalty.Rick reveals why the real driver of customer retention isn't how happy customers feel — it's how hard they had to work to get what they needed. He introduces the concept of "insidious disloyalty," explains why product failures are actually service failures in disguise, and lays out how AI can dramatically reduce customer effort when deployed correctly. For SaaS founders focused on retention, this episode is a fundamental shift in how to think about keeping customers.Key Takeaways4:22 — **The wrong question** — Rick explains why CSAT and NPS are company-centric metrics that don't predict future loyalty. The right question: "How much effort was required for you to get what you needed?"6:35 — **Insidious disloyalty** — Customers who leave without saying a word are more dangerous than those who complain. Silent churn gives you no opportunity to recover the relationship or learn from the failure.10:04 — **Customers want to stay** — Customers don't want to switch vendors. The goal isn't to build loyalty — it's to stop destroying it with high-effort experiences.11:23 — **Mitigate disloyalty, don't try to promote loyalty** — Promoting loyalty is less fruitful than eliminating the friction that causes customers to start looking elsewhere.14:37 — **There's no such thing as a product failure** — Every product failure immediately becomes a service issue. Future loyalty is shaped by how the service team responds, not by the failure itself.29:15 — **The biggest misconception about customer service** — Not every interaction is a relationship-building moment. Forcing fake friendliness on transactional interactions feels disrespectful, not warm.31:41 — **Neither extreme works** — Full automation fails just as surely as requiring humans for everything. The winning approach is intelligently routing issues to AI or live agents based on complexity.41:59 — **Surveys are just the entry point** — Quantitative survey scores tell you almost nothing. The real insight comes from qualitative follow-up conversations, and you need far fewer than you think.45:35 — **What customers are actually loyal to** — Customers aren't loyal to your company. They're loyal to their own decision to become your customer. Probe how your product makes them feel about themselves.45:58 — **The reframe** — Stop asking what customers think of you. Start asking how customers feel about themselves as a result of choosing you.Tweetable Quotes"The single question you can ask right after a service interaction to predict future loyalty: How much effort was required for you to get what you needed?" — Rick DeLisi"Insidious disloyalty is the customer who quietly disappears in the night. No explanation. No opportunity to recover. You didn't even learn anything." — Rick DeLisi"Trying to promote loyalty is far less fruitful than mitigating disloyalty." — Rick DeLisi"There's no such thing as a product failure. The moment something breaks, it becomes a service issue — and your customer's future loyalty depends on how you handle it." — Rick DeLisi"Customers aren't loyal to your company. They're loyal to their own decision to become your customer." — Rick DeLisi"Stop asking what customers think of you. Ask how customers feel about themselves as a result of being your customer." — Rick DeLisi"Your success in marketing is getting a customer to think about you 1% more. Your success in service is the moment they forget it was ever a problem." — Rick DeLisi"AI should be a part of every interaction — making things easier for customers, easier for your frontline, and more efficient for your company." — Rick DeLisiSaaS Leadership Lessons1. The metric you're measuring may be the reason you're losing customers. CSAT and NPS are lagging, company-centric indicators. They make you feel good but don't predict churn. Customer Effort Score — how hard someone had to work to get what they needed — is the far more accurate signal. Build your CX measurement strategy around effort, not satisfaction.2. Silent churn is the most expensive kind. Customers who leave without complaining are more costly than angry ones. Vocal detractors give you a chance to save the relationship and learn from it. The quiet exits give you nothing. Map your customer journey specifically to identify where insidious disloyalty can take root — low engagement, repeated friction, unanswered needs — before customers start shopping elsewhere.3. Your job isn't to create loyalty. It's to stop destroying it. Customers who sign up with you are already loyal — they just made the decision to trust you. Your real job is to protect that trust by removing friction at every touchpoint. Every high-effort support interaction is a crack in the foundation of a relationship that took real sales effort to build.4. Every product bug is a customer service test. When something breaks, customers don't remember the bug — they remember how you handled it. A fast, effortless resolution can actually strengthen loyalty. A slow, frustrating one will cost you the relationship even if you technically solved the problem. Invest in your service response capability as seriously as you invest in product quality.5. AI reduces effort — but only when it knows its lane. Generic AI frustrates customers. Vertical, context-aware AI resolves routine issues instantly and hands off complex ones to live agents with full context already loaded. The bar for good AI in service is simple: does it make the customer's experience easier or harder? If a customer has to fight through your automation, you've made the problem worse.6. In B2B SaaS, your champion's ego is part of the product. The person who bought your software has personal equity in that decision. When your product makes them look smart, delivers real ROI, and gives them a competitive edge internally, they become your best retention tool. When it doesn't, they quietly stop defending you. Probe how your product makes your champions feel about themselves — not just how it performs on paper.Guest Resourcesrick.delisi@glia.comwww.glia.comhttps://www.linkedin.com/in/rick-delisi-1122257/Episode SponsorThe Futureproof Series - https://www.youtube.com/playlist?list=PLfkXKUPZ5xuOqMPR7_gzGybncTtavyR1NThe Captain's KeysSmall Fish, Big Pond – https://smallfishbigpond.com/ Use the promo code ‘SaaSFuel'Champion Leadership Group – https://championleadership.com/SaaS Fuel ResourcesWebsite - https://championleadership.com/Jeff Mains on LinkedIn - https://www.linkedin.com/in/jeffkmains/Twitter - https://twitter.com/jeffkmainsFacebook - https://www.facebook.com/thesaasguy/Instagram - https://instagram.com/jeffkmains

Send us Fan MailMany boards treat geopolitics as background noise, leaving their companies exposed to unnecessary risk. Smart boards take a different approach, closing the gap and treating geopolitical risk with the same rigour as financial, cyber, and regulatory risks.In this podcast, Dr Sabine Dembkowski, Founder and Managing Partner, is joined by Colin Reed. Colin is the Chief Intelligence Officer of Clock&Cloud, a software start-up transforming how large enterprises manage geopolitical risk.  Previously, Colin built Salesforce's first-ever geopolitical risk management function, and before that, he was a senior intelligence analyst with the U.S. government. “Most of the business leaders we have today have had their entire careers in an unusual period of history.“As Colin looks across history, he notes that the post-Cold War period was an unusually stable business climate. This led boards and C-suites to treat geopolitics as something governments must manage rather than their own business priority. However, as history reverts to its tumultuous norms, corporations must step back into taking an active approach to geopolitical risks.“There's nothing unavoidable about geopolitical risk. It very often telegraphs its approach.” Colin feels boards needn't be surprised by geopolitical risk. Thanks to modern systems, it is easier than ever to model how risks can impact operations and the bottom line. Boards have learned to map and mitigate financial and cyber risks. They can learn to do the same with geopolitics, especially now that the tools exist to model even very complex situations quantitatively.“To me, geopolitics is akin to the weather. It never goes away, and try as you might, you'll eventually have to go outside in it.”The best practices right now for closing the geopolitical risk gap are to stop treating geopolitics as ‘Act of God' surprises and instead build a robust risk management framework around it. While there are many nuances to geopolitics, there are not so many that they can't be mapped and modelled with the latest tools. Ideally, this is handled at the strategy level and should be forward-looking rather than backwards-looking or reactive. “I don't think it's sufficient to rely on a single board member, or an external advisor, to manage this problem, because doing so builds a single point of failure into the system.”Colin feels that boards of large companies do best when they internalise the understanding that everyone must be aware of the need to track and manage geopolitical risk. This is especially true for European boards. Identifying a C-suite-level champion for geopolitical risk to build alignment across operations and identify gaps, and then investing strategically in solutions, is a cost-effective approach to building resilience. The three top takeaways from our conversation for effective boards are:1.     Geopolitics can be understood and managed, and the expertise to do so already exists if you know where to look inside and outside your organisation. 2.    Proactive engagement on geopolitics isn't new. What's happening now is a return to historical norms. 3.    Quantitative metrics and modelling systems are about to revolutionise this field. Come Join The Better Boards Community We'd love to get to know you! If you'd like to become part of the Better Boards community, discover our unique approach, and explore ways to work with us or share your ideas on The Better Boards Podcast series, drop us a line at info@better-boards.com.

In this episode, I break down website behavioral data tools and show how to use them to support smarter decisions and sustainable small business growth.Most business owners think once Google Analytics is set up, their website data game is strong. But here's the problem: Google Analytics 4 gives you only half the story. Sure, you find out how many visitors stop by and which pages they visit, but you're left guessing about what they actually do once they land on your site. Today I'm sharing the free tools that show you exactly how people interact with your pages, the three heatmap types every small business owner should know about, and why having both quantitative data and behavioral data is the secret to understanding what's working and what's falling flat.It's time to make stronger website decisions using real tools and concrete data. I'll walk you through the practical steps to start tracking and understanding your visitors' behavior, so you can focus your business systems and simplified marketing exactly where they make the biggest impact.00:00 - Why Google Analytics only tells half the story01:54 - Quantitative vs. behavioral data (what you're missing)03:50 - How to use the three main types of heat maps07:19 - Two free tools for website behavioral data11:56 - Using path exploration in Google AnalyticsLinks & Resources:Episode 186. The 20-Minute Analytics Setup Every Small Business Website NeedsMouseflowHotjarBook a website strategy callWatch this episode on YouTube.Follow me on Instagram @kristendoyle.co Let's talk about your website and systems: Book a Website Gameplan Call Explore your options for working together: Web Design Services Rate & review Small Business Savvy on Apple PodcastsShow Notes: https://kristendoyle.co/episode187Send us a text! (If you'd like a reply, please share your # in the message)Stop managing your WordPress website and let us handle it! Learn more about our WordPress Careplan at kristendoyle.co/care. Book your FREE Website Gameplan Call: https://kristendoyle.co/gameplanLearn more about my WordPress CarePlan: https://kristendoyle.co/wordpress-care-plan/

In this episode of the Journal of Career Assessment podcast series, JCA Editor Patton O. Garriott interviews authors Matthew A. Diemer, Ha Bui, and Nia D. Holland about the JCA article, "Leveraging a Critical Quantitative Perspective and the MIMIC Approach to Produce More Equitable Measures in Vocational Psychology."

Cybersecurity practitioners face a persistent methodological problem: how should we reason about intelligent adversaries who observe our defenses, adapt their tactics, and choose targets based on our vulnerabilities? The field has responded with a fragmented toolkit. Quantitative risk assessment borrowed from safety engineering treats threat, vulnerability, and consequence as independent terms. Threat modeling frameworks such as STRIDE and attack trees emphasize structure but rarely quantify uncertainty. Game-theoretic models assume rationality and common knowledge that real attackers do not exhibit. Qualitative heat maps compress uncertainty into colored cells that cannot support budget optimization.This talk surveys these approaches critically, examining what each method commits you to and what it quietly sets aside. A common thread emerges: the alternatives can be understood as approximations to a Bayesian decision-theoretic ideal, each relaxing one or more assumptions for tractability. Modeling an adversary requires addressing four dimensions of uncertainty (what they want, what they know, what they can do, and how they decide) and the standard critiques of probabilistic cyber risk analysis (information asymmetry, correlated inputs, adaptation, the absence of objective base rates) turn out to be errors of naive practice rather than indictments of the methodology itself. Threat intelligence feeds, indicator matches, and shifts in attacker tradecraft fit naturally as Bayesian updates rather than as awkward inputs to frequentist frameworks. The survey closes not with a prescription but with a diagnostic question for practitioners and researchers alike: are the assumptions embedded in your chosen method appropriate for the decision you are trying to support? About the speaker: Pragathi Jha is a doctoral researcher in Industrial Engineering at Purdue University, where her work focuses on optimization, stochastic modeling, and game-theoretic approaches to decision-making under uncertainty. Her research lies at the intersection of operations research, applied probability, and strategic interaction, with an emphasis on developing rigorous mathematical frameworks for complex, adversarial systems.Her academic interests include multi-stage stochastic optimization, game theory, and the modeling of strategic behavior in dynamic environments. In the context of cybersecurity, she is particularly interested in adversarial decision-making, risk-aware resource allocation, and the design of resilient systems that account for uncertainty and strategic threats. Her work aims to bridge theoretical advances in optimization and game theory with practical applications in security, infrastructure protection, and data-driven decision support.Pragathi brings a strong foundation in quantitative methods and is committed to advancing research that is both mathematically rigorous and operationally impactful. Through her work, she seeks to contribute to the development of robust, scalable frameworks for analyzing and mitigating risks in complex, high-stakes environments.

This interview dives into warnings of a major economic collapse already in motion. Kerry sits down with Darryl Schoon to break down what's happening beneath the surface—where inflation is crushing affordability, while deflation quietly destroys money through debt defaults and contraction. They unpack how credit creation, loan failures, and central bank intervention are colliding in real time. Quantitative easing since 2009 may have kept the system alive—but at a cost. Money velocity has collapsed to Great Depression levels, while liquidity has been funneled into financial assets and housing, pushing prices out of reach. The conversation turns to real-world warning signs: frozen private equity funds, tightening credit, rising repossessions, and corporations buying up housing—only to drive rents higher. What looks stable on the surface is showing serious cracks underneath. They also explore the bigger picture—war, central banking, and decades of offshoring accelerating the instability—while questioning whether any real solutions remain. Find Darryl here:  https://drschoon.com Find Kerry here :https://khlfsn.substack.com and here: https://inflation.cafe    Kerry's New Book "The Armstrong Economic Code: The 5 Truths Investors Must Never Forget" is out now on Amazon!  Get your copy here:   https://a.co/d/bvYbZOz  "The World According to Martin Armstrong – Conversations with the Master Forecaster" is a #1 Best Seller on Amazon. . Get your copy here: https://amzn.to/4kuC5p5

Send us Fan MailListen in as Danielle and Jon break down who won their kidding season bet!  This episode is about being able to decipher if your goat is hitting the norm as far as body condition and growth.  Famacha testwe have merch!

Send us Fan MailHow close is pathology AI to making decisions that matter in real workflows, real trials, and real patient care?In this episode of DigiPath Digest, I review five recent papers that approach that question from very different angles. We look at multimodal survival prediction in cervical cancer, pathology-driven response assessment in neoadjuvant immunotherapy for head and neck squamous cell carcinoma, AI-assisted Ki-67 scoring in pulmonary neuroendocrine neoplasms, automation and AI in hematologic diagnostics, and AI-based qFibrosis readouts from the Phase 3 MAESTRO-NASH trial.What I liked about this set of papers is that they do not all tell the same story. Some show clear progress. Some show where AI already works well as an adjunct. Others make it very clear that validation, governance, reproducibility, and workflow design still matter just as much as model performance.Key topics and timestamps00:00 Introduction, Easter edition, and community updates 00:51 USCAP recap, signed book giveaway, and free Digital Pathology 101 PDF 02:04 Partnerships, lab automation preview, and what's coming in this episode 03:25 Multimodal deep learning for cervical cancer survival prediction 13:00 Why pathology may be a better response endpoint than radiology in neoadjuvant HNSCC immunotherapy 23:09 Ki-67 scoring in pulmonary neuroendocrine neoplasms: pathologists vs two AI systems 33:46 AI, digital morphology, and automation in hematologic diagnostics 43:29 qFibrosis, digital biomarkers, and the MAESTRO-NASH Phase 3 trial 51:57 Closing thoughts, community updates, and Easter promotion Resources Deep Learning Can Predict the Overall Survival of Cervical Cancer Based on Histopathological Image, Gene Mutation and Clinical Information https://pubmed.ncbi.nlm.nih.gov/41902378/ Modern Pathology-Driven Strategies in Neoadjuvant Immunotherapy for Head and Neck Squamous Cell Carcinoma: From Residual Tumor Quantification to Spatial and AI-Based Biomarkers https://pubmed.ncbi.nlm.nih.gov/41899621/ Ki-67 Proliferation Index in Pulmonary Neuroendocrine Neoplasms: Interobserver Agreement Among Pathologists and Comparison of Two Artificial Intelligence-Based Image Analysis Systems https://pubmed.ncbi.nlm.nih.gov/41898274/ Molecular Pathology, Artificial Intelligence, and New Technologies in Hematologic Diagnostics: Translational Opportunities and Practical Considerations https://pubmed.ncbi.nlm.nih.gov/41897649/ Quantitative regression of qFibrosis with resmetirom: Exploratory histologic endpoints from the MAESTRO-NASH phase III clinical trial https://pubmed.ncbi.nlm.nih.gov/41895606/Support the showGet the "Digital Pathology 101" FREE E-book and join us!

Send us Fan MailPaper Discussed in this Episode:Quantitative regression of qFibrosis with resmetirom: Exploratory histologic endpoints from the MAESTRO-NASH phase III clinical trial. Schattenberg JM, Bedossa P, Guy CD, et al. Journal of Hepatology 2026; https://doi.org/10.1016/j.jhep.2026.03.021.Episode Summary: In this deep dive, we explore how artificial intelligence is revolutionizing the way we measure liver disease recovery. We examine a groundbreaking 2026 Phase III clinical trial (MAESTRO-NASH) that compared traditional human pathologist staging against an AI-driven digital pathology tool called qFibrosis. The study forces us to reconsider our clinical gold standards by asking: what if AI can detect subtle biological healing that the experienced human eye completely misses?In This Episode, We Cover:• The Silent Epidemic: Understanding Metabolic dysfunction-associated steatohepatitis (MASH), a progressive, active form of fatty liver disease linked to cardiovascular risk and cirrhosis. We discuss why precisely tracking the reversal of liver fibrosis is crucial for patient outcomes.• The "Ordinal" Problem: Why the current "gold standard"—human pathologists assigning a simple ordinal score (like Stage F1, F2, or F3)—is subjective and fails to capture the dynamic, nuanced reality of fibrosis progression and regression.• The AI Microscope (SHG & qFibrosis): ◦ SHG (Second Harmonic Generation): An imaging technique that takes advantage of the physical properties of collagen to map out the three-dimensional architecture of the liver. ◦ qFibrosis: An AI-driven analysis tool that evaluates up to 184 distinct features of liver collagen (like string length, width, and intersections) across different regions of the liver lobule, providing a continuous, hyper-detailed assessment rather than a basic category.• The Showdown - Humans vs. AI: Using data from 966 patients in the MAESTRO-NASH trial, we compare how human pathologists and the AI evaluated liver biopsies at baseline and week 52 to test the efficacy of the drug resmetirom.• The AI's "Aha!" Moment (Seeing the Invisible): The most shocking finding of the study occurred in the "non-responder" group. Even when human consensus reads declared certain patients had no histological improvement, the AI detected significant, continuous reductions in liver fibrosis (qFC scores). The digital pathology tool was able to pick up on subthreshold, early matrix remodeling that was entirely invisible to standard manual scoring.• Mapping the Liver's Healing: The AI proved its biological accuracy by successfully linking its spatial data to real-world clinical outcomes. The AI found that specific regional changes—particularly in the portal tract—strongly correlated with non-invasive liver stiffness tests like Magnetic Resonance Elastography (MRE).Key Takeaway: AI isn't here to replace human pathologists; it is a hyper-sensitive tool designed to uncover hidden data patterns. By detecting continuous, region-specific changes in liver collagen, AI digital pathology can identify early therapeutic responses to MASH treatments that traditional staging misses, fundamentally changing how we track disease reversal and personalize medicineSupport the showGet the "Digital Pathology 101" FREE E-book and join us!

An Ipsos survey of 1,226 marketers across the US, Canada, and Australia asked 10 multiple choice questions on basic marketing fundamentals — and two thirds failed.We're not talking advanced strategy. Segmentation. Positioning. The four Ps. Above-the-line marketing. Omnichannel. Quantitative research. The bare minimum from a year and a half of formal marketing training.This is the state of B2B marketing in 2026.If you're focused on AI efficiency gains, growth hacking, and the next few percentage points of performance — but you can't pass this test — you're optimizing a broken foundation.Matthew Sciannella breaks down what the data actually means for marketers who only do promotion (ads, email, events, SEO) and why that's exactly why so many can't survive past 18 months in a role.Q: What did the Ipsos marketing fundamentals survey find?The Ipsos survey tested 1,226 marketers in the US, Canada, and Australia on 10 multiple choice questions covering segmentation, positioning, the four Ps, above-the-line marketing, omnichannel, and quantitative research. Two thirds failed — with an even split between B2C and B2B marketers.Q: Why do so many B2B marketers only last 18 months in their roles?Marketers who focus exclusively on promotion — running ads, sending emails, attending events, or managing SEO — never develop a durable, full-funnel marketing strategy. Without understanding customers, sales channels, and market positioning, they can't survive a funding round or leadership change.Q: Is AI a substitute for marketing fundamentals?No. AI and growth hacking tactics can improve efficiency at the margins, but they don't replace the strategic foundation of real marketing: understanding your market, your buyer, and how they make decisions. Scraping signals from the internet isn't the same as doing the work.Q: What is the difference between promotion and marketing?Promotion is one of the four Ps of marketing — it includes advertising, email, events, and SEO. Marketing as a discipline covers the full picture: segmentation, targeting, positioning, pricing, product, and channel strategy. Most B2B marketers today only practice promotion.#B2BMarketing #MarketingFundamentals #MarketingStrategy #B2BSaaS #SaaSMarketing #GrowthMarketing #CMO #MarketingLeadership #DigitalMarketing #DemandGeneration #MarketingROI #GTMStrategy #ContentMarketing #MarketResearch #B2BDemandGen #MarketingTips #Ipsos #FourPs #Omnichannel #Refinelabs

We look at 5 recent publications in the field of toxicology.1.      Helander A, Andersson A, Villén T. Origin and Interpretation of Low Methamphetamine Levels Found in Amphetamine-Positive Urine Samples: Support for Methylation of Amphetamine as a Minor Metabolic Pathway. Drug Test Anal. 2025;17(11):2276-2282. doi:10.1002/dta.39402.      Labay LM, Midthun KM, Kacinko SL, Papsun DM. Drug identification in biologicals on clothing, bedding, and other materials. J Anal Toxicol. 2025;49(8):603-608. doi:10.1093/jat/bkaf0573.      Ogawa S, Shiraki R, Wakigawa K, et al. Quantitative analysis of ethylene glycol in human serum by liquid chromatography-tandem mass spectrometry with p-toluenesulfonyl isocyanate derivatization. Forensic Toxicol. 2026;44(1):37-46. doi:10.1007/s11419-025-00729-04.      Ballotari M, Truver MT, Sojin NA, et al. Analysis of cannabinoids and semi-synthetic cannabinoids in authentic breastmilk samples by liquid chromatography-tandem mass spectrometry. J Anal Toxicol. 2025;49(8):559-566. doi:10.1093/jat/bkaf0475.      Grafinger KE, Weinmann W, Pasin D, et al. Machine learning in forensic toxicology: Concepts, applications and challenges in bioanalysis, ADME, and toxicodynamics. Forensic Sci Int. Published online February 9, 2026. doi:10.1016/j.forsciint.2026.112883Contact us at toxpod@tiaft.orgGet free open access journal articles at https://forensiclibrary.org/homeYou can send us a text message using this link!

A series of “extraordinary” events has made the environment more challenging for growth stocks. But “this level of trepidation can't go on forever”, says Baillie Gifford partner Stuart Dunbar in this latest episode, suggesting that patient investors will benefit when stability returns and the markets value exceptional companies at a premium again. Stuart Dunbar is a director in Baillie Gifford's Clients Department and is responsible for helping shape and communicate the firm's investment philosophy.In this conversation, he considers how a succession of disruptive events – the most recent being the current war in the Middle East – has rattled markets and led investors to focus on companies' short-term profits rather than their long-term potential.However, this period of flux will not last forever, he argues. And when we re-enter a period of stability, patience should be rewarded as markets recognise exceptional companies' future earnings potential and price them accordingly. In the meantime, Baillie Gifford's investment teams remain focused on finding and supporting businesses that will prosper from change and supporting their management to take the long view. And as Dunbar reveals, as the sources of growth broaden out, we are backing some companies that come as a surprise.  Portfolio companies discussed include:Astera Labs – the semiconductor chip designer, whose products tackle data bottlenecks in AI datacentresIREN – the datacentre operator whose clients include MicrosoftMedpace – a contract research organisation that biotech and pharmaceutical companies hire to run their clinical trialsNu Holdings – owner of the Latin American fintech NubankSpotify – the audio streaming platform that lets people listen to music, podcasts and audiobooksWillScot – North America's largest provider of temporary space rentals, leasing out modular offices, portable storage containers and classroom units  Resources:Actual investors hubActual investing revisitedBaillie Gifford podcastsPrivate growth investingThe Compound and Friends podcastThe Success Equation Companies mentioned include:AJ BellAmazonAnthropicAstera LabsByteDanceIRENMedpaceMicrosoftNu HoldingsNVIDIASpotifyWillScot Timecodes:00:00  Introduction02:00  Active v passive03:35  “Know what we own”06:15  Building relationships with company leaders07:55  Causes and effects of uncertainty11:05  Beyond the Magnificent 712:45  A period of relative stability17:50  Compressed valuations19:25  Nubank and Medpace's promise23:10  Meetings with clients25:40  Broader sources of growth28:15  Private equity growth31:25  Better-informed stock picking33:25  Staying independent and standalone35:45  “Wait until the market comes to its senses”37:10  Book choiceGlossary of terms (in order of mention):  Latent heat: energy absorbed or released during a change of state, like ice melting, without a change in temperature.Active investing: trying to beat the market by choosing investments based on research and judgement.Passive funds: investment funds that track a market index rather than picking stocks actively.Quantitative approaches: investment methods that use data, models and statistics to make decisions.Market capitalisation weights: an index method that gives bigger companies a larger influence based on their total market value.Alignment of incentives: making sure different parties are rewarded in ways that encourage the same goals.Drawdowns: significant falls in the value of an investment from a previous peak.R&D: research and development – spending on innovation and new products or technologies.Backdate options: setting share-option dates retrospectively to make them more valuable, often controversially.Shareholder registers: the official records of who owns a company's shares.Benchmark: a standard, often an index, used to compare investment performance.Magnificent 7 / Mag 7: the seven giant US tech stocks that have dominated market performance in recent years.GPU: graphics processing unit – a specialised chip often used for AI computing because it handles parallel tasks well.Sub-market multiple: a valuation lower than the market average.Strategic asset allocation: deciding how much to invest in broad asset classes like shares, bonds or private markets.Benchmark-aware: closely focused on performance relative to a benchmark index.Venture capital: investment in early-stage, high-growth private companies.Private equity buyout funds: funds that buy controlling stakes in companies, often using debt.Private equity growth: investing in more mature private companies that are expanding but not yet public.Roadshow: presentations by company leaders to investors ahead of an IPO or fundraising.Alternative asset classes: investments outside traditional shares and bonds, such as private equity or infrastructure.Path dependency: the idea that outcomes are shaped by the sequence of earlier decisions and events.  

In this decadent, luxurious episode of The Gambling Files, we explore innovative approaches to risk management in online gambling, featuring insights from Hayden Bowman of iBankroll and Bernard Marantelli of White Swan Data. Discover how liquidity provision, data analytics, and regulation are shaping the future of gaming and betting industries.Chapters (but add maybe 25 seconds for the music and that):00:00 Introduction and Podcast Hosts01:09 Guest Introductions: Hayden Bowman and Bernard Marantelli01:41 Overview of GLI and Sponsorships04:17 Introduction to iBankroll and its Core Services05:39 What is Bankroll as a Service (BaaS)?07:03 Mechanics of Liquidity Provision in Gambling09:00 Handling Large Payouts and Risk Scenarios10:41 Fraud Risks and Player Retention Strategies12:07 Liquidity Constraints in Crypto and Top Operators13:16 The Commoditisation of House Bankroll Management14:32 Player Experience and Liquidity Challenges15:34 Deliberate Casino Management and Payout Delays16:22 Building Trust and Industry Transparency17:29 Funding and Business Model of iBankroll18:22 Future Plans and Expansion of Liquidity Services20:12 Sportsbook Liquidity and Risk Hedging21:52 Whiteswan Data: Market Mispricing and Opportunities22:53 Market Efficiency and Data Analytics in Betting23:48 The Shift from Predatory to Gamekeeper Models25:34 Adding Value Across the Gaming Ecosystem27:32 Prediction Markets and Future Trends31:33 Regulation and the Future of Prediction Markets33:56 Volatility, Entertainment, and Social Betting36:17 Recruitment of Quantitative and Data Science Talent39:24 Advice for Young Professionals in Gaming and Gambling41:14 The Importance of Surrounding Yourself with Driven People44:37 Lottery Payouts, Taxation, and Risk47:52 Michael Owen and Personal Anecdotes48:33 Closing Remarks and ThanksUseful resourcesGaming Laboratories International (GLI) - https://gaminglabs.comOptiMove - https://optimove.comWorld Gaming – www.worldgaming.comWhite Swan Data - https://whiteswandata.com/iBankroll - https://ibankroll.comHayden on LinkedIn - https://www.linkedin.com/in/hayden-bowman/Bernard on LinkedIn - https://linkedin.com/in/bernardmarantelliAs ever, we thank all of our sponsors for their vibrant and excellent support that makes all of this… magic… possible.Optimove, who turn customer data into something special, with tools that make businesses just plain work better. Optimove, your support helps us to keep creating content for an industry that probably thinks we disappeared years ago.Then of course there is Clarion Gaming, no hang on World Gaming, providers of the magnificent ICE expo and iGB Live! in London. There is simply nobody better at what they do.And the new members of the family, the excellent Gaming Laboratories International. GLI is a world-class Testing, Inspections and Certification company committed to delivering the highest quality land-based, lottery, and iGaming testing and assessment services, working in more than 710 jurisdictions.For more information, visit gaminglabs.com.The Gambling Files podcast delves into the business side of the betting world. Each week, join Jon Bruford and Fintan Costello as they discuss current hot topics with world-leading gambling experts.Website: https://www.thegamblingfiles.com/Subscribe on Apple Podcasts: https://apple.co/3A57jkRSubscribe on Spotify: https://spoti.fi/4cs6ReF Subscribe on YouTube: https://www.youtube.com/@TheGamblingFilesPodcast Fintan Costello on LinkedIn: https://www.linkedin.com/in/fintancostello/ Jon Bruford on LinkedIn: https://www.linkedin.com/in/jon-bruford-84346636/ Follow the podcast on LinkedIn: https://www.linkedin.com/company/the-gambling-files-podcast/ Sponsorship enquiries: https://www.thegamblingfiles.com/contact/ Get our newsletter: https://thegamblingfilestldr.substack.com/

Dr. Mohleen Kang chats with Dr. Stephen Humphries, Dr. Matthew Koslow, Dr. Justin Oldham, Dr. Jennifer Wang, Alexander Bankier, and Dr. David Baraghoshi about their articles, "A Quantitative Imaging Measure of Progressive Pulmonary Fibrosis" and "One-Year Change in Quantitative Computed Tomography Is Associated with Meaningful Outcomes in Fibrotic Lung Disease."

Keywordsweather, play, philosophy, achievement, agency, creativity, metrics, education, value capture, qualitative assessmentSummaryIn this conversation, Lewis and Wem explore various themes surrounding play, philosophy, and the impact of metrics on society. They discuss the importance of play in fostering creativity and social connections, the differences between striving and achievement players, and the role of constraints in enhancing creativity. The conversation also delves into the concept of value capture, the influence of technology on perception, and the need for qualitative assessments in education. They conclude by reflecting on the importance of process over product and the future of education in relation to play.TakeawaysMud everywhere!The weather can be deceiving.Books can deeply engage us.Play has philosophical implications.Striving players focus on the process.Constraints can enhance creativity.Value capture influences our perceptions.Metrics can simplify complex ideas.Education often prioritizes quantifiable data.The process of play is more important than the outcome.TitlesExploring the Mud: Weather and PlayThe Philosophy of Play and Learning sound bites"There's mud everywhere!""This book is amazing!""The process is beautiful!"Chapters00:00 The Muddy Reality of Weather08:16 Exploring the Depths of Play and Philosophy11:08 Understanding Player Mindsets: Achievement vs. Striving14:22 Facilitating Play: Agency and Autonomy in Games17:24 The Role of Games in Social Dynamics20:15 Process Beauty in Games: The Art of Overcoming Obstacles23:06 The Purpose vs. Goal in Play: Social Connection Over Competition37:08 The Sensual Act of Information Management40:21 Nature Connection and Purpose43:35 Metrics, Value Capture, and Scoring Systems50:16 The Influence of Technology on Perception56:47 The Four Horsemen of Value Capture01:05:55 The Balance of Quantitative and Qualitative Metrics01:10:41 Exploring Pedagogies and Their Metrics

Head of Quantitative Strategy at Seeking Alpha, Steven Cress, shares why the AI sector still looks good and which stocks look best for this year. Watch the video presentation here.Show Notes:Alpha PicksSteven Cress' Top 10 Stocks For 2026Read our transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Megan Miller, the CEO of the Spencer Educational Foundation, and John Button, ERM strategist and RIMS-CRMP Workshop instructor. The episode is divided into two interviews. Justin and Megan review the Spencer activities coming up around RISKWORLD 2026 and later, with a focus on driving students into insurance and risk careers and on providing risk scholarships to build the industry. Justin and John focus on John's ERM and risk philosophies and the key skills and knowledge the next wave of risk practitioners will need as risk management moves into strategic risk modes. They discuss the RIMS-CRMP virtual workshops that John teaches, and James Lam's RIMS-CRO Certificate Program in Advanced Enterprise Risk Management, which John endorses. They talk about RISKWORLD 2026, which is coming up.   Listen for tips on inviting the next wave of students into the risk profession and preparing for upcoming trends in risk.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We will be joined by Spencer Educational Foundation CEO, Megan Miller, and ERM strategist and RIMS-CRMP Workshop instructor, John Button. But first… [:47] RIMS Risk Foundations Certificate Program. This beginner program will guide you through the risk landscape and help evaluate the purpose, function, and process of risk management. On completion, you will receive a Digital Risk Foundation certificate and 24 RIMS CE credits. [1:07] Cohort Number One starts on February 10th and 11th, with "Fundamentals of Risk Management," and then, on February 25th, "Risk Taxonomy," followed by two on-demand courses. Register now because the next cohort will be held in August. A link is in the notes. [1:28] RIMS members always enjoy deep discounts on the virtual workshops. [1:32] Webinars The next RIMS webinar will celebrate Women's History Month by exploring the success of women in construction risk on March 6th. We'll be joined by a Chief Risk Officer, an underwriter, and a broker. [1:45] They will explore their career paths, risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. Visit RIMS.org/webinars and check out the link in this episode's show notes. [2:00] RISKWORLD General registration is open for RISKWORLD 2026, which will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. Visit RIMS.org/RISKWORLD or RIMS.org. Register today to take advantage of those sweet advance rates through the end of this month! [2:24] On with the Show! Returning to RIMScast is one of my favorite people, the CEO of the Spencer Educational Foundation, Megan Miller! Spencer Day is coming up on February 23rd. We want to hear all about what she has in store for us this month, and at RISKWORLD 2026. [2:50] Megan Miller will also present a special introduction for the "Hard Hats and High Stakes" Webinar on March 6th. Let's get to it! [3:08] Interview! Spencer Educational Foundation CEO Megan Miller, welcome back to RIMScast! [3:30] Megan says the Spencer Educational Foundation had a great year in 2025. They surpassed their goals. They're riding into 2026 on top of the wave. They are also starting Year 1 of implementing their next Five-Year Strategic Plan through 2030. [3:55] Megan says they have some big growth goals; they're hoping to raise $10 million a year by 2030. They ended last year at just over $4 million. [5:13] Spencer Day on February 23rd is held in conjunction with Insurance Careers Month. The Insurance Careers movement is to get students thinking about careers in insurance. [5:29] Holding Spencer Day during Insurance Careers Month raises awareness about what the Spencer Educational Foundation is doing to help drive more students into insurance careers. [5:36] The Spencer Educational Foundation tries to raise at least $7,500 from individual contributors that day to fund an additional scholarship. If they can raise $7,500, they can give out one more scholarship in 2026 and set one more person on the path to a career in risk. [6:18] At RISKWORLD, the Spencer Educational Foundation holds three events: Pickleball Social on Saturday, May 2nd, with sponsor Optum, the Gallagher Topgolf Golf Tournament on Sunday, May 3rd, and the 5K Fun Run on Tuesday, May 5th, with new sponsor Bold Penguin. [7:59] The 5K Fun Run will take place at Boathouse Row at 6:30 a.m. [8:57] The Spencer Soirée will be held on Monday, May 4th, at 5:30 p.m. It's Spencer's big donor appreciation event. At the Spencer Soirée, Spencer announces the winners of the International Student Risk Management Challenge that takes place all day on Sunday, behind closed doors. [9:16] On Monday morning, you'll have the opportunity to see the top three student teams present. Over 50 teams are competing. They submit their papers online, and the judges select the top eight teams to be flown to RISKWORLD. In 2025, half of the teams were international. [10:01] For some students, it was the first time they had ever been to the U.S. It's an incredible opportunity. In 2024, the team from Hyderabad, India, won. Justin had them as RIMScast guests. [10:20] The 2025 winning team was from the University of Wisconsin-Madison. [10:32] At the RISKWORLD conference, the top eight teams present behind closed doors on Sunday, and the judges select the top three. On Monday, those presentations are open to the public. It's impressive to hear the students talking through their cases. Come and watch! [10:53] On Monday, at the Spencer Soirée donor appreciation event, the first, second, and third place winners are announced, with cash prizes. It's a big audience, and the students answer the judges' questions. Megan says that the students are poised and super bright. [12:08] The 2026 Spencer Funding Their Future Gala will be held on Thursday, September 17th, back at the Waldorf Astoria, which was recently reopened after extensive renovations. Megan says it's stunning. [13:30] There are two honorees for the gala, Sierra Signorelli from Zurich, and Marya Propis from RT Specialty. Marya was one of the earliest RIMScast guests. She has been heavily involved in Spencer. [13:51] Megan says Zurich has been a strong partner of the Spencer Educational Foundation for a very long time. Sierra has taken on an expanded role at Zurich. [14:09] Marya is the former board chair who hired Megan within the Spencer organization. [14:35] For more information about the Funding Their Future Gala, listeners can reach out to Megan Miller or Brianne Kelly-Prensa at the Spencer Educational Foundation. [15:00] Megan mentions some of the new names at the Spencer Educational Foundation. Brianne Kelly-Prensa is the new Development Manager, helping Megan with fundraising and finding new partnerships. Amisha Kitani is the new Program Administrator. [15:31] Amisha was an intern at LVMH through Spencer's internship grant program. [16:10] Megan was a Spencer scholarship recipient. While she was at Swiss Re, she received a Spencer scholarship for the part-time Master's program. Spencer was very instrumental in helping Megan complete her MBA. [16:37] Spencer also has two board members who are Spencer scholarshop recipients: Robin Roeder and Cristina Vigilante. As Spencer grows and impacts more students, he loves to see them come back into the fold. [17:13] Justin shares details about the presenters of the RIMS webinar on March 6th, "Hard Hats and High Stakes: Women Leaders Shaping Construction Risk Management," including a special introduction by Megan Miller. Megan is excited about it. [19:01] The webinar is not only in honor of Women's History Month but also in advance of Construction Safety Awareness Week in May. Justin says this important sector deserves the spotlight. [19:39] If you have any questions for Megan, find her at SpencerEd.org. Justin tells Megan, it is such a pleasure to see you again. [19:56] Our next interview features John Button, CRMP, an Enterprise Strategic and Technology Risk Strategist for American Systems and an Instructor for the UCLA Extension Business School, specifically for implementing their Enterprise Risk Management course. [20:24] John Button is one of the instructors for the RIMS-CRMP Virtual Workshop Series. John will be leading the March 10th and 11th Workshop, and the June 9th and 10th Workshop. [20:39] We are going to get a glimpse into his risk perspective and philosophy. We're going to talk about strategic risk management and where he believes ERM is headed in the short and long term. Let's get to it! [20:52] Interview! RIMS-CRMP Commissioner John Button, welcome to RIMScast! [21:10] John heard about the RIMS-CRMP from other practitioners who were getting certified. John worked with Joseph Mayo on a couple of his books, the latest being Cultural Calamity. Joseph suggested the RIMS-CRMP to John. John looked into it. [21:41] John fell in love with the RIMS-CRMP, as it is a foundational risk management certification. [21:52] Justin adds that John Mayo was the first RIMS-CRMP Story. John says the RIMS-CRMP has been a pretty exclusive club, but it's spreading quickly around the globe, and once you've gotten it, you start to see who else has it. [23:16] Justin asks about strategic risk management. John says when he was studying for the RIMS-CRMP, he was well aware of strategic risk management, and he had been an enterprise risk management advisor at Gartner, but it wasn't practiced as much then as we see it today. [23:45] While studying for the RIMS-CRMP, John learned of the RIMS Strategic Risk Management Framework. He thinks it is one of the clearest ways of thinking about strategic risk management. It started connecting the dots for him about the value chain and benchmarking. [24:21] John says there's been an evolution in business from hazard risk to operational risk to strategic risk, and the real value is within strategic risk management. With strategic risk, what we focus on is largely the business model or foundational assumptions of the organization. [25:22] It will involve your customers, your financial model, your capabilities, and your value proposition. Strategic management deals with deciding the direction of a company, where you are trying to go, and the business model for how you are going to achieve success. [25:48] John says strategic is fundamentally different from operational, which may involve the execution of parts of the strategy, keeping the lights on, and running the business. [26:21] John says the most important skills for future risk leaders are to understand the decision science and analysis component of measuring uncertainty. That involves a basic understanding of statistics, probability theory, and the psychology of biases. That's critical. [27:23] John tells of helping develop risk quantification courses for RIMS for risk managers to learn how to measure and communicate risk in economic terms, for leaders in an organization. That skill set will differentiate risk practitioners in companies in achieving goals and objectives. [28:18] The people in an organization doing the work of mitigating the risk are often labeled as owning the risk. John says a risk is an uncertainty that will negatively impact an objective. Whose objective is threatened by the risk? Knowing that, you can build the accountability bridge. [29:58] John says when the ownership of risk is not known, most executive decision-makers use System One, instinctive thinking. System Two thinking requires deliberation and problem-solving. When a risk owner is identified, executives switch to System Two thinking. [31:37] Accountability is a by-product of risk owner identification. [32:09] Quantitative risk analysis allows you to accurately and mathematically measure risk. You can't count risk with ordinal scales that only tell you the order of things. When you measure risk quantitatively or statistically, you can accurately forecast the financial impact of an event. [33:51] That forecast enables executives to make more informed decisions. You can add risks in a mathematically coherent way. You can see how risks hang together for the organization. [35:12] John says a good risk culture is an organization that practices what it preaches. John would expect to see incentives built into measuring performance. It's not just whether you met your goals and objectives, but also whether you followed good risk management practices. [36:38] John says a lot of organizations speak to it, but what they say and what they do are often two separate things. [37:13] There's a big push right now for using more quantitative tools and skills for doing risk management. Risk management is more than quantitative measurement or decision analysis. John sees mistakes from companies looking only at the short term. [37:57] If you do risk management well, with a solid risk culture, there is always the possibility or probability of failure. Any company, even with great risk management, can be susceptible to systemic risk and big surprises. Having a good risk culture lowers the probability of failure. [38:47] John says they touch on risk culture during the RIMS-CRMP Workshops. It's about trying to develop a programmatic and systematic approach to risk that is consistent, coherent, and serves as the foundation for further growth. It's the beginning of the journey, not the end of it. [39:30] John discusses flipping the script from uncertainty to opportunity. He notes that risk managers often focus on compliance, which was great in the past. The future, with its move toward strategic risk management, will need far more than risk event forecasts. [41:03] John believes the next phase will come from using your imagination, in collaboration with AI, to see beyond the five-year strategy timeframe, to develop hypotheses and a different kind of forecast about where trends, drivers, and conditions will show up in the risk landscape. [41:56] John thinks risk management will move outside of the organization. The next wave of practitioners will be equipped quantitatively, helped by AI, and will help to steer strategy and the strategic direction of business models to find the opportunities for innovation. [42:27] Justin says this has been such an enlightening conversation and mentions that John will be leading the virtual workshops for RIMS-CRMP on March 10th and 11th and June 9th and 10th. What is John Button's instruction style? [42:53] John enjoys teaching. He's currently teaching Implementing Enterprise Risk Management at UCLA. What's important to him is making sure people are crystal-clear, understand the foundation, and can analyze the concept. [43:19] John reduces most challenges in risk management to communication. What one person means by cyberrisk may not be what somebody else means. He makes sure those he is teaching feel confident when they walk away, ready to go. His teaching style is thorough. [43:59] John always stays back after the webinar to answer questions. Some people contact him later with questions, and he's more than happy to help them. [44:18] Justin mentions the RIMS-CRO Certificate Program in Advanced Enterprise Risk Management, hosted by James Lam. John introduced himself to James Lam at the FAIR Conference 2022, after reading his book. John took the RIMS-CRO Certificate Program. [45:07] John says they worked live for about four hours every other week for six sessions, with each module building on the previous one. The next cohort will begin in April. Registration closes on April 6th. That course will run biweekly from April 14th to June 23rd, 2026. [45:55] Check out RIMS's social channels to see a testimonial from John talking about the course. It was extremely beneficial for him and for the others who shared their perspectives on it. [46:40] John will be at RISKWORLD 2026. Last year was his first RISKWORLD, and having attended a lot of business conferences, he shares that he was blown away by how awesome RISKWORLD is. John invites you to reach out to him if you go, and he'll be happy to talk to you. [47:15] Special thanks to both of our guests, Megan Miller, the CEO of the Spencer Educational Foundation, and John Button, one of our valued RIMS-CRMP Commissioners and virtual workshop instructors. [47:29] Links to SpencerEd.org and to John's upcoming virtual workshops for the RIMS-CRMP Exam Prep are in this episode's show notes. Register now, and let them know how great they sounded on RIMScast in February 2026! [47:46] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [48:15] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [48:33] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [48:50] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [49:07] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [49:21] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [49:33] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation | Spencer Day — Feb. 23, 2026 RIMS Legislative Summit — March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Risk Management magazine | Contribute RIMS Now RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22, 2026 | June 9‒10, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Applying and Integrating ERM" | Feb 4. Risk Foundations Certificate Program | Feb. 10 "Facilitating Risk-Based Decision Making" | March 4‒5 Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 6 | Presented by RIMS RIMS.org/Webinars   Related RIMScast Episodes: "Risk Decision-making in 2026 with Joseph A. Milan, Ph.D." "The Evolving Role of the Risk Analyst" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Megan Miller, CEO, Spencer Educational Foundation John Button, RIMS-CRMP, Enterprise, Strategic & Technology Risk Strategist, American Systems   Production and engineering provided by Podfly.  

Due to the enormous QUANTITATIVE advantage held by the Soviet Union during the Cold War, US policy shifted to maximizing the QUALITATIVE advantages of Western technology when it came to weapon systems. And so the US Army built what was unquestionable the best tank in the world: The M1A1 Abrams, also known as The Beast due to its battlefield dominance. But that was 1980. So what now? Meet the M1E3. And baby, The Beast is Back!

Javed Mirza, quantitative and technical strategist at Raymond James, shares his outlook on Quantitative/Technical Strategy – Global Macro.

Iaaaago Jorge convida Raphael Barreto e Lucas Brandão para discutir sobre neutropenia febril, em 5 clinicagens:1. Neutropenia febril é emergência oncológica2. Como escolher o antibiótico?3. Quando escalonar o antibiótico?4. Quando suspender o antibiótico?5. Quando prescrever filgrastim?Referências:1. Klastersky J, de Naurois J, Rolston K, et al. Management of febrile neutropaenia: ESMO Clinical Practice Guidelines. Ann Oncol. 2016;27(suppl 5):v111-v118. doi:10.1093/annonc/mdw3252. Taplitz RA, Kennedy EB, Bow EJ, et al. Outpatient Management of Fever and Neutropenia in Adults Treated for Malignancy: American Society of Clinical Oncology and Infectious Diseases Society of America Clinical Practice Guideline Update. J Clin Oncol. 2018;36(14):1443-1453. doi:10.1200/JCO.2017.77.62113. Zhang H, Wu Y, Lin Z, et al. Naproxen for the treatment of neoplastic fever: A PRISMA-compliant systematic review and meta-analysis. Medicine (Baltimore). 2019;98(22):e15840. doi:10.1097/MD.00000000000158404. Zheng B, Huang Z, Huang Y, Hong L, Li J, Wu J. Predictive value of monocytes and lymphocytes for short-term neutrophil changes in chemotherapy-induced severe neutropenia in solid tumors. Support Care Cancer. 2020;28(3):1289-1294. doi:10.1007/s00520-019-04946-35. Douglas C, Morse JD, Anderson BJ. Mucositis Pain and Its Temporal Relationship to White Cell Count. Paediatr Anaesth. 2025;35(4):302-309. doi:10.1111/pan.150636. Vassallo M, Michelangeli C, Fabre R, et al. Procalcitonin and C-Reactive Protein/Procalcitonin Ratio as Markers of Infection in Patients With Solid Tumors. Front Med (Lausanne). 2021;8:627967. Published 2021 Mar 12. doi:10.3389/fmed.2021.6279677. Smith TJ, Bohlke K, Lyman GH, et al. Recommendations for the Use of WBC Growth Factors: American Society of Clinical Oncology Clinical Practice Guideline Update. J Clin Oncol. 2015;33(28):3199-3212. doi:10.1200/JCO.2015.62.34888. Heil G, Hoelzer D, Sanz MA, et al. A randomized, double-blind, placebo-controlled, phase III study of filgrastim in remission induction and consolidation therapy for adults with de novo acute myeloid leukemia. The International Acute Myeloid Leukemia Study Group. Blood. 1997;90(12):4710-4718.9. Weiss JM, Csoszi T, Maglakelidze M, et al. Myelopreservation with the CDK4/6 inhibitor trilaciclib in patients with small-cell lung cancer receiving first-line chemotherapy: a phase Ib/randomized phase II trial. Ann Oncol. 2019;30(10):1613-1621. doi:10.1093/annonc/mdz27810. Bodey GP, Buckley M, Sathe YS, Freireich EJ. Quantitative relationships between circulating leukocytes and infection in patients with acute leukemia. Ann Intern Med. 1966;64(2):328-340. doi:10.7326/0003-4819-64-2-32811. Nucci M, Arrais-Rodrigues C, Bergamasco MD, et al. Management of febrile neutropenia: consensus of the Brazilian Association of Hematology, Blood Transfusion and Cell Therapy - ABHH. Hematol Transfus Cell Ther. 2024;46 Suppl 6(Suppl 6):S346-S361. doi:10.1016/j.htct.2024.11.11912. Guarana M, Nucci M, Nouér SA. Shock and Early Death in Hematologic Patients with Febrile Neutropenia. Antimicrob Agents Chemother. 2019;63(11):e01250-19. Published 2019 Oct 22. doi:10.1128/AAC.01250-1913. Rosa RG, Goldani LZ. Cohort study of the impact of time to antibiotic administration on mortality in patients with febrile neutropenia. Antimicrob Agents Chemother. 2014;58(7):3799-3803. doi:10.1128/AAC.02561-1414. Averbuch D, Orasch C, Cordonnier C, et al. European guidelines for empirical antibacterial therapy for febrile neutropenic patients in the era of growing resistance: summary of the 2011 4th European Conference on Infections in Leukemia. Haematologica. 2013;98(12):1826-1835. doi:10.3324/haematol.2013.09102515. Beyar-Katz O, Dickstein Y, Borok S, Vidal L, Leibovici L, Paul M. Empirical antibiotics targeting gram-positive bacteria for the treatment of febrile neutropenic patients with cancer. Cochrane Database Syst Rev. 2017;6(6):CD003914. Published 2017 Jun 3. doi:10.1002/14651858.CD003914.pub416. Puerta-Alcalde P, Cardozo C, Suárez-Lledó M, et al. Current time-to-positivity of blood cultures in febrile neutropenia: a tool to be used in stewardship de-escalation strategies. Clin Microbiol Infect. 2019;25(4):447-453. doi:10.1016/j.cmi.2018.07.02617. Ljungman P, Alain S, Chemaly RF, et al. Recommendations from the 10th European Conference on Infections in Leukaemia for the management of cytomegalovirus in patients after allogeneic haematopoietic cell transplantation and other T-cell-engaging therapies. Lancet Infect Dis. 2025;25(8):e451-e462. doi:10.1016/S1473-3099(25)00069-618. Maertens J, Lodewyck T, Donnelly JP, et al. Empiric vs Preemptive Antifungal Strategy in High-Risk Neutropenic Patients on Fluconazole Prophylaxis: A Randomized Trial of the European Organization for Research and Treatment of Cancer. Clin Infect Dis. 2023;76(4):674-682. doi:10.1093/cid/ciac62319. Aguilar-Guisado M, Espigado I, Martín-Peña A, et al. Optimisation of empirical antimicrobial therapy in patients with haematological malignancies and febrile neutropenia (How Long study): an open-label, randomised, controlled phase 4 trial. Lancet Haematol. 2017;4(12):e573-e583. doi:10.1016/S2352-3026(17)30211-9

Seeking Alpha's Head of Quantitative Strategy, Steven Cress, reviews the year that was and lays out his top 10 picks for 2026. This is an excerpt from our live event, Top 10 Stocks For 2026!Show Notes:Alpha PicksSteven Cress' Top 2025 StocksSteven Cress Reviews His Top 10 Stocks For 2025Read our transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayWhat will 2026 mean for real estate investors? In this episode of the Rent To Retirement Podcast, hosts Matthew Seyoum and Zach Lemaster break down the economic shifts, interest rate outlook, tax strategies, and market dynamics that will shape real estate investing in 2026 and beyond.You'll learn why the market is transitioning faster than most investors realize, how Federal Reserve policy and tax incentives could drive appreciation, and why Q1 2026 may be the most strategic window to buy before competition, incentives, and affordability change.Whether you're an experienced investor or preparing for your first rental property, this episode provides a clear, data-driven roadmap for navigating the next phase of the real estate cycle.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayWhat will 2026 mean for real estate investors? In this episode of the Rent To Retirement Podcast, hosts Matthew Seyoum and Zach Lemaster break down the economic shifts, interest rate outlook, tax strategies, and market dynamics that will shape real estate investing in 2026 and beyond.You'll learn why the market is transitioning faster than most investors realize, how Federal Reserve policy and tax incentives could drive appreciation, and why Q1 2026 may be the most strategic window to buy before competition, incentives, and affordability change.Whether you're an experienced investor or preparing for your first rental property, this episode provides a clear, data-driven roadmap for navigating the next phase of the real estate cycle.

Book a call: https://remnantfinance.com/calendar ! Email us at info@remnantfinance.com !Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEThis episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, quantitative easing, and why the 10-year Treasury isn't budging despite Fed rate cuts. Brian connects it back to what matters: how you position your family's finances when nobody knows what's coming next.The tension is real. On one hand, the debasement trade says go long equities—they're going to keep printing money and asset prices will rise. On the other hand, forward P/E ratios are at 23x, historically correlated with flat or negative real returns over the next decade. And then there's AI—a real time Black Swan breaking every economic model we thought we understood.Chapters:00:00 – Opening segment01:25 – 2025 macro overview: building resilience against all outcomes05:05 – Fed rate divergence: Japan raising while the US cuts06:55 – The yen carry trade explained10:30 – Quantitative easing: how the Fed creates money through primary dealers13:45 – The Cantillon effect and why Wall Street benefits first15:15 – Congress is the root cause, not the Fed17:05 – Why Austrian economists were partially wrong about 2008 QE19:30 – Will this round of QE hit faster?21:45 – The bond market is calling the Fed's bluff25:45 – The case for growth assets in an inflationary environment28:00 – Forward P/E at 23x: what the metric means34:05 – How forward P/E correlates with 10-year returns40:30 – Why you need both growth and guaranteed savings42:00 – The dual paths of wealth: protection and growth45:15 – The house fire story50:10 – AI as the wildcard disrupting all economic models53:05 – The slow-motion Black Swan we're living through56:45 – The 1994 email clip: we're there again with AI59:00 – Closing segmentKey Takeaways:Two Narratives, One Strategy: The inflation/debasement trade says buy growth assets. Elevated P/E ratios say expect flat returns. Both are valid—which is why you need exposure to both growth and guarantees.The Fed Isn't the Root Problem: Congress can't stop spending. The Fed enables it by monetizing debt through quantitative easing. Until spending stops, money printing won't stop.The Bond Market Doesn't Believe the Fed: Rate cuts should lower mortgage rates. They haven't. The 10-year Treasury is rising because bond buyers are pricing in continued inflation and fiscal recklessness.Forward P/E Matters: At 23x, historical data shows a strong correlation with flat inflation-adjusted returns over the next decade. That's not a prediction—it's a data point worth considering.AI Changes Everything (Maybe): What took 30 years of internet development now happens in 12 months with AI. It could accelerate productivity beyond anything we've measured—or it could be a bubble. Nobody knows. Plan accordingly.Book a call: https://remnantfinance.com/calendar ! The Fed just cut rates. Japan just raised theirs to a 30-year high. The bond market is calling the Fed's bluff. And Congress keeps maxing out credit cards while writing their own spending limit increases. What does this mean for your money—and how do you plan when the signals are screaming opposite things?The Dual Paths of Wealth: You're always walking two roads—protection and growth. Whole life insurance designed for IBC lets you do both simultaneously: guaranteed savings you can leverage into growth assets without abandoning either path.

Seeking Alpha's Head of Quant, Steven Cress, answers your questions! Credo Technology - why the high momentum rating? (0:45) Explaining the Z score (2:30). Merck's momentum better than Pfizer's (3:55). Navigating energy stocks and market sensitivity (6:15). High growth stocks may be held back by valuation concerns (8:40). Why is Comfort Systems a hold? (9:25) Diversification key to minimizing risk; value and growth (11:10). Diving deeper into quant metrics and weightings (13:10).Show Notes:Top 10 Stocks For 2026Get Alpha Picks3 Stocks To Buy From Alpha Picks/Pro Quant PortfolioRead our transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

The Federal Reserve just injected billions into the system, and the Bitcoin price jumped past $94,000 subsequently. In fact, the crypto market added more than $260 billion in just under the first week of 2026. It's been a while since we've seen global liquidity expand this fast, and we, who are noticing, should be ready.~This episode is sponsored by Uphold~Uphold Get $20 in Bitcoin - Signup & Verify and trade at least $100 of any crypto within your first 30 days ➜ https://bit.ly/pbnuphold00:00 Intro00:10 Sponsor: Uphold01:00 Its happening01:50 JOLTS02:10 Housing bubble03:10 Mohamed El Erian: Labor decoupling from growth04:45 No change05:50 Volatility Bomb?07:00 Morgan Stanley ETH ETF07:20 MSCI08:00 Tom Lee: Rule of first 5 days10:50 Ripple: No IPO12:15 XRP new institutional darling13:45 Solana overtakes ETH14:30 Solana stablecoin supply surges15:00 ETH & SOL are cheap15:45 China pays interest on "Stablecoins"17:00 Outro#Crypto #Ethereum #Bitcoin~Fed Stimulus Coming?

Kim Stanley Robinson discusses Real Utopian Futures. Find the feed of English episodes only here: https://www.futurehistories-international.com/ You can also import the RSS feed to your favorite app: https://www.futurehistories-international.com/feed.xml   Shownotes The reference page on Kim Stanley Robinson, his works, interviews, talks, etc. (including a discussion forum): https://www.kimstanleyrobinson.info/ Robinson, K. S. (2020). The Ministry for the Future. Orbit Books. https://www.orbit-books.co.uk/titles/kim-stanley-robinson/the-ministry-for-the-future/9780356508863/ Robinson, K. S. (2017). New York 2140. Orbit Books. https://www.orbit-books.co.uk/titles/kim-stanley-robinson/new-york-2140/9780356508788/ Robinson, K. S. (1988). The Gold Coast. Macmillan. https://us.macmillan.com/books/9780312890377/thegoldcoast/ Blumenfeld, J. (2024). Managing Decline. Cured Quail, Vol. 3. https://curedquail.com/Managing-Decline Blumenfeld, J. (2022). Climate Barbarism. Adapting to a wrong World. Constellations, 30, 162–178. https://onlinelibrary.wiley.com/doi/10.1111/1467-8675.12596 the quoted Kohei Saito video: https://youtube.com/shorts/WnvhD7p651M?si=SdfPftKOCJM6MS9j the lecture in which Kim Stanley Robinson talks about “futurecide” and “preemptive capitulation”: https://youtu.be/HpzXkpx29S4?si=PVlOE53Hj5-BZR5B reporting on and summary of the talk: https://www.ioes.ucla.edu/article/the-war-on-science-is-here-kim-stanley-robinson-says-its-just-the-beginning/ Löwy, M. (2005). What is Ecosocialism? Capitalism Nature Socialism, 16(2), 15–24. https://www.tandfonline.com/doi/abs/10.1080/10455750500108237 for an overview of the history and different schools of Ecomarxist/Ecosocialist theory: https://www.historicalmaterialism.org/ecology-marxism-andreas-malm/ on Anna Kornbluh: http://www.annakornbluh.com/ on Mass Extinction Events: https://www.nhm.ac.uk/discover/what-is-mass-extinction-and-are-we-facing-a-sixth-one.html Dressler, A. (2025). You have 100 ‘Energy Slaves'. The Climate Brink. https://www.theclimatebrink.com/p/you-have-100-energy-slaves on the 30 by 30 Biodiversity Goal: https://www.cop28.com/en/thought-leadership/The-30x30-Biodiversity-Goal-at-COP28 the International Maritime Organization: https://www.imo.org/ on the ‘Half-Earth Project': https://eowilsonfoundation.org/what-is-the-half-earth-project/ Wilson, E. O. (2016). Half-Earth. Our Planet's Fight for Life. Norton Books. https://wwnorton.com/books/9781631492525 Pendergrass, D. & Vettese, T. (2022). Half-Earth Socialism. A Plan to Save the Future from Extinction, Climate Change and Pandemics. Verso. https://www.versobooks.com/products/2650-half-earth-socialism one of the many interviews/talks in which Kim Stanley Robinson talks about science fiction as the realism of our times: https://youtu.be/p1wNhc46xjE?si=hOdKuwRQhef-9tLs on the Turing Test: https://en.wikipedia.org/wiki/Turing_test on Neoliberalism attaching itself to demands of the New Left: Boltanski, L. & Chiapello, E. (2018). The New Spirit of Capitalism. Verso. https://www.versobooks.com/products/1980-the-new-spirit-of-capitalism on Friedrich Hayek: https://en.wikipedia.org/wiki/Friedrich_Hayek Williams, R. (2015). Structures of Feeling. In: D. Sharma & F. Tygstrup (Ed.), Structures of Feeling. Affectivity and the Study of Culture (pp. 20-26). https://www.degruyterbrill.com/document/doi/10.1515/9783110365481.20/html on Keynesianism: https://en.wikipedia.org/wiki/Keynesian_economics Vogl, J. (2017). The Ascendancy of Finance. Polity Press. https://www.politybooks.com/bookdetail?book_slug=the-ascendancy-of-finance--9781509509294 Graeber, D. (2011). Debt. The First 5,000 Years. Melville House. https://files.libcom.org/files/__Debt__The_First_5_000_Years.pdf on Thomas Piketty: https://en.wikipedia.org/wiki/Thomas_Piketty on Gabriel Zucman: https://en.wikipedia.org/wiki/Gabriel_Zucman on the ‘Zucman tax': https://www.lemonde.fr/en/les-decodeurs/article/2025/09/23/zucman-tax-what-the-proposed-wealth-tax-would-mean-for-france_6745653_8.html on Carbon Taxes: https://en.wikipedia.org/wiki/Carbon_tax Sorg, C. (2023). Finance as a Form of Economic Planning. Competition & Change, 29(1), 17-37. https://journals.sagepub.com/doi/10.1177/10245294231217578 Sarkar, S. (2024). The Carbon Coin. An Eco-Speculative Approach to Decarbonisation in Kim Stanley Robinson's The Ministry for the Future. Green Letters, 28(4), 297–310. https://www.tandfonline.com/doi/full/10.1080/14688417.2025.2483998 A policy proposal on ‘Carbon Reward' from the same researcher whose earlier policy work inspired the ‘Carbon Coin' idea in The Ministry for the Future: https://deltonchen.substack.com/p/new-economic-blueprint-for-resolving see also: https://globalcarbonreward.org/newsletters/carbon-coin/ on Quantitative Easing: https://en.wikipedia.org/wiki/Quantitative_easing on Carbon Drawdown: https://en.wikipedia.org/wiki/Carbon_sequestration on Nicolas Stern: https://en.wikipedia.org/wiki/Nicholas_Stern,_Baron_Stern_of_Brentford on the Democratic Socialists of America: https://www.dsausa.org/ the Network for Greening the Financial System: https://www.ngfs.net/en on COP30 in Belém: https://unfccc.int/cop30 Solnit, R. (2022). Orwell's Roses. Penguin. https://www.penguinrandomhouse.com/books/607057/orwells-roses-by-rebecca-solnit/ Future Histories Episodes on Related Topics S3E47 | Jason W. Moore on Socialism in the Web of Life https://www.futurehistories.today/episoden-blog/s03/e47-jason-w-moore-on-socialism-in-the-web-of-life/ S03E44 | Anna Kornbluh on Climate Counteraesthetics https://www.futurehistories.today/episoden-blog/s03/e44-anna-kornbluh-on-climate-counteraesthetics/ S03E32 | Jacob Blumenfeld on Climate Barbarism and Managing Decline https://www.futurehistories.today/episoden-blog/s03/e32-jacob-blumenfeld-on-climate-barbarism-and-managing-decline/ S03E30 | Matt Huber & Kohei Saito on Growth, Progress and Left Imaginaries https://www.futurehistories.today/episoden-blog/s03/e30-matt-huber-kohei-saito-on-growth-progress-and-left-imaginaries/ S03E23 | Andreas Malm on Overshooting into Climate Breakdown https://www.futurehistories.today/episoden-blog/s03/e23-andreas-malm-on-overshooting-into-climate-breakdown/ S02E18 | Drew Pendergrass and Troy Vettese on Half Earth Socialism https://www.futurehistories.today/episoden-blog/s02/e18-drew-pendergrass-and-troy-vettese-on-half-earth-socialism/ --- If you are interested in democratic economic planning, these resources might be of help: Democratic planning – an information website https://www.democratic-planning.com/ Sorg, C. & Groos, J. (eds.)(2025). Rethinking Economic Planning. Competition & Change Special Issue Volume 29 Issue 1. https://journals.sagepub.com/toc/ccha/29/1 Groos, J. & Sorg, C. (2025). Creative Construction - Democratic Planning in the 21st Century and Beyond. Bristol University Press. [for a review copy, please contact: amber.lanfranchi[at]bristol.ac.uk] https://bristoluniversitypress.co.uk/creative-construction International Network for Democratic Economic Planning https://www.indep.network/ Democratic Planning Research Platform: https://www.planningresearch.net/ --- Future Histories Contact & Support If you like Future Histories, please consider supporting us on Patreon: https://www.patreon.com/join/FutureHistories Contact: office@futurehistories.today Twitter: https://twitter.com/FutureHpodcast Instagram: https://www.instagram.com/futurehpodcast/ Mastodon: https://mstdn.social/@FutureHistories English webpage: https://futurehistories-international.com   Episode Keywords #KimStanleyRobinson, #JanGroos, #Interview, #FutureHistories, #FutureHistoriesInternational, #futurehistoriesinternational, #Utopia, #RealUtopias, #DemocraticPlanning, #Keynes, #Dystopia, #DemocraticEconomicPlanning, #Capitalism, #EcoSocialism, #Socialism, #GreenCapitalism, #Narratives, #ClimateCounterAesthetics, #Transition, #SocioEcologicalTransition, #SocialDemocracy, #ScienceFiction

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold rights for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:11   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's one, 937, 795, 8989. Yep, text their freedom coach directly again. 1-937-795-8989   Keith Weinhold  24:52   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 420, Five, six, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com  

"Within-family genomic selection in strawberry: optimization of marker density, trial design, and training set composition" with Dr. Joshua Sleper If plant breeding were a poker game, you'd have to play a lot of hands to beat the house. Quantitative genetics hopes to give players an advantage by recognizing patterns that can point to future success. In strawberry, a genetically complex and labor-intensive plant, this is particularly important. This episode, Joshua join me to discuss his work using quantitative genetics to help give strawberry breeders a hand. Tune in to learn: ·        How some plants have "sticky cards" in their genetics ·        What challenges strawberry breeders face ·        How many clones are really enough ·        What lies on the horizon for strawberry breeding If you would like more information about this topic, this episode's paper is available here: https://doi.org/10.1002/tpg2.20550 This paper is always freely available. Contact us at podcast@sciencesocieties.org or on Twitter @FieldLabEarth if you have comments, questions, or suggestions for show topics, and if you want more content like this don't forget to subscribe. If you'd like to see old episodes or sign up for our newsletter, you can do so here: https://fieldlabearth.libsyn.com/. If you would like to reach out to Joshua, you can find him here: j.sleper@ufl.edu Resources CEU Quiz: https://web.sciencesocieties.org/Learning-Center/Courses/Course-Detail?productid=%7b9908BAD4-89DB-F011-8544-000D3A3685DF%7d  Transcripts: Coming soon Rex Bernardo's Essentials of Plant Breeding: https://www.abebooks.com/9780972072427/Essentials-Plant-Breeding-Rex-Bernardo-097207242X/plp   A Quarter Century of Genomewide Prediction - Dr. Rex Bernardo: https://www.youtube.com/watch?v=K45M4N9mJBM&t=8s Field, Lab, Earth is Copyrighted by the American Society of Agronomy, Crop Science Society of America, and Soil Science Society of America.

Steve Cress, our Head of Quant, reviews the investing year that was (1:20). Past returns of Steve's previous stock picks (11:50). Reviewing his top 10 stocks for 2025, which returned 45.6% vs S&P 500's 17.6% (14:50). This is an excerpt from a recent webinar, Top 10 Stocks For 2025 -- Recap & Results.Show Notes:Steven Cress' Top 2025 StocksRegister for Top Stocks 2026Episode TranscriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

As we wrap up 2025, we are featuring some of our most important conversations, including this conversation about IQ, intelligence, and intelligence assessment. Emily Kircher-Morris welcomes Dr. Jack Naglieri, an emeritus professor at George Mason University and senior research scientist at the Devereux Center for Resilient Children. Dr. Naglieri is renowned for his work in intelligence testing and the development of the Naglieri Nonverbal Ability Test. In this sprawling conversation, Emily and Jack talk about his insights on the evolution and misconceptions surrounding intelligence assessment. They discuss the history of intelligence testing, and the limitations and biases inherent in traditional methods. Dr. Naglieri describes the experiences that led him to question the validity of verbal-based intelligence tests, and ultimately inspired his development of nonverbal assessment tools. They discuss the PASS theory of intelligence, and how it forms the foundation of the Cognitive Assessment System (CAS), a tool designed to measure these processes and offer a nuanced profile of an individual's cognitive strengths and weaknesses. You can download a free copy of the PASS Theory of Intelligence and the CAS2. Dr. Jack A. Naglieri, Ph.D., is Emeritus Professor at George Mason University and Senior Research Scientist at the Devereux Center for Resilient Children. His main interest is the development of psychological and educational tests and the implications these approaches have for accurate and equitable assessment. He has published about 25 books, 50 tests and rating scales, and approximately 300 research papers. Jack is the author of tests used for identification of gifted students, including the Naglieri Nonverbal Ability Test. He partnered with Dina Brulles and Kim Lansdowne to coauthor the Naglieri Tests of General Ability Verbal, Quantitative and Nonverbal, and the book, Understanding and Using the Naglieri General Ability Tests: A Call to Equity in Gifted Education (Brulles, Lansdowne & Naglieri, 2022). Dr. Naglieri has received many awards for his extensive research program that includes scholarly research, books, and psychological tests with an emphasis on uniting sound theory with equitable scientific practice. BACKGROUND READING PASS Theory of Intelligence and the CAS2, Jack's website, The Naglieri General Ability Tests If you'd like members of your organization, school district, or company to know more about the subjects discussed on our podcast, Emily Kircher-Morris provides keynote addresses, workshops, and training sessions worldwide, in-person or virtually. You can choose from a list of established presentations, or work with Emily to develop a custom talk to fit your unique situation. To learn more, visit our website. The Neurodiversity Podcast is on Facebook, Instagram, BlueSky, and you're invited to join our Facebook Group.

Bitcoin may be pitched as an alternative to the dollar system, but its price behavior shows how tightly it's now linked to the same forces that drive equities, credit, and tech multiples. When liquidity improves (when dollars are easier to borrow and funding markets relax), risk-taking becomes cheaper and more comfortable.~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaulGuest: Lyn Alden, Founder of Lyn Alden Investment StrategyLyn Alden website ➜ https://bit.ly/LynAldensiteBUY Lyn's Book "Broken Money" ➜ https://bit.ly/BrokenMoneyBook00:00 Intro00:10 Sponsor: iTrust Capital01:10 Debasement Trade03:00 Multi year QE04:30 Does Bitcoin need QE?05:30 Is the 4-Year cycle Dead?06:45 Michael Saylor $MSTR Strategy08:50 $BMNR outlook10:30 Interest rates goin to zero?12:40 Kevin Hassett as Fed Chair14:30 2 Years Ago: Lyn Alden Was Right vs VanEck15:30 Is Tokenization/Stablecoins taking away from Bitcoin narrative?16:45 Tokenized Gold vs Bitcoin Products19:40 Bitcoin All-time high in 2026?21:00 Would you add Paxos or Polymarket to your portfolio?22:15 Which AI stock/sector/options play are you considering?25:30 Is ZCash scam-pump finally over?25:20 Is now a good time to DCA?26:30 Outro#Crypto #Bitcoin #Ethereum~Market Liquidity Incoming

We join the MIT community in New York for an event focused on AI, innovation, and the evolving role of tech in society. SandboxAQ is a Google spinout that combines AI Large Quantitative Models and deep expertise in physics, biology, and chemistry in order to work on a wide range of hard problems, such as the prototyping of new materials and chemicals for manufacturing. Andrew McLaughlin is the company's chief operating officer. We sat down to chat after he made the case to the room that the future of AI may not be large language models, but quantitative.This episode originally aired in June 2025.We Meet:  Andrew McLaughlin, COO of Sandbox AQ Credits:This episode of SHIFT was produced by Jennifer Strong with help from Emma Cillekens. It was mixed by Garret Lang, with original music from him and Jacob Gorski. Art by Meg Marco.

Deezy checks the data surrounding the Fed's recent pivot. Quantitative tightening is over and the Fed balance sheet will soon rise. But how soon and what effect will it have on ETH? 

Expectations about the Federal Reserve's next policy meeting oscillated sharply this past week, with a quarter-point cut in the federal-funds target rate once again being the odds-on bet. But attention also should also be paid to Japanese monetary and fiscal actions.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 intro00:07 Sponsor: Tangem00:53 QE & QT vs Bitcoin Dominance01:47 QE Begins After Rate Cuts02:28 Over 4 Rate Cuts Coming03:27 Japan Bond Market04:04 Fed Might Step In Sooner05:20 Stablecoin Yields Going Down?06:02 Circle revenue will collapse06:45 Institutions Will Just Buy ETH07:50 Sony Stablecoin Launched08:12 Borrow Rates08:46 Sony Boosting Yen Stablecoin Lending09:34 Japan Lending Market Growth10:02 USDSC Launch10:19 Japan Banks Coming To Soneium11:04 Japan Cutting Crypto Taxes11:37 Japan Stimulus vs Debt12:40 Banks Trying To Stop Sony13:05 PlayStation vs Visa Credit Card Fees13:46 CLARITY Act Boosting Altcoins14:25 outro#Crypto #federalreserve #bitcoin ~When Fed Quantitative Easing?

In this conversation, Peter discusses the recent crash in the crypto markets, analyzing various factors contributing to the downturn, including inflation, institutional manipulation, and market sentiment. He highlights the impact of ETFs and institutional investors on market dynamics, as well as the potential for recovery in the coming months. Additionally, he examines global economic factors, particularly Japan's new tax policies and stimulus measures, and their implications for the crypto market. The conversation concludes with a call for community engagement and feedback.TakeawaysCrypto markets are experiencing significant downturns due to various factors.U.S. inflation rates have impacted market expectations.Institutional investors are playing a major role in market manipulation.The current market situation is described as a leverage reset.Quantitative tightening has ended, potentially improving liquidity.Investors are shifting towards safer assets amid market volatility.MicroStrategy continues to invest heavily in Bitcoin despite market conditions.Japan's new flat tax on crypto gains may attract more investors.A massive stimulus package in Japan could boost economic activity.Community feedback is encouraged to understand market sentiments better.Chapters00:00 Market Overview and Initial Analysis02:46 Factors Behind the Recent Crash06:09 Institutional Influence and Market Manipulation09:02 Potential Future Trends and Predictions11:55 Positive Indicators and Market Sentiment14:52 Global Economic Factors and Their Impact17:49 Japan's Economic Changes and Crypto Taxation21:04 Conclusion and Community EngagementDISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

Send us a textEx-Goldman Sachs Mehul Patel joins David Capablanca on The Friendly Bear Podcast after Friendly Bear Conference 4 in Los Angeles. Mehul shares his experiences getting recruited and working for Goldman Sachs as well as elaborating on some of his trading concepts.  Friendly Bear UniversityGet Profitable & Master Your Trading - Memberships & Courses Now AvailablePreorder David's BookPreorder David's book SageTraderSageTrader powers Wall Street & retail traders with ultra-low clearing fees & premium locates Flash ResearchUse coupon code FB15 for 15% off Premium. Find your edge with the best stock analyzer David's X ProfileFollow David Capablanca on X!David's InstagramSubscribe for behind the scenes trading related contentDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

This week we're traveling back to a full century of American history with The Autobiography of Miss Jane Pittman! Join us as we learn about naming of enslaved people, "paddy rollers", Black communities in East Texas, and more! Sources: Sparks, Elmer E, and Celia Black. Interview with Celia Black, Tyler, Texas. Tyler, Texas, November , 10, 1974. Pdf. https://www.loc.gov/item/afc1975009_afs17476/. Sparks, Elmer E, and Charlie Smith. Interview with Charlie Smith, Bartow, Florida. Bartow, Florida, None , 3, 1975. Pdf. https://www.loc.gov/item/afc1975023_afs17510/. Jennifer Davis, "A Voice from the South: Dr. Anna Julia Cooper," LOC, available at https://blogs.loc.gov/law/2025/02/a-voice-from-the-south-dr-anna-julia-cooper/ Sean Coughlan, "Last Survivor of Transatlantic Slave Trade Discovered," BBC, available at https://www.bbc.com/news/education-52010859 Wikipedia: https://en.wikipedia.org/wiki/The_Autobiography_of_Miss_Jane_Pittman_(film) Creating the Emmy-Winning Old Age Makeup for The Autobiography of Miss Jane PIttman, available at https://www.stanwinstonschool.com/blog/creating-the-emmy-winning-makeup-for-the-autobiography-of-miss-jane-pittman Interview with Thomas Moore on Producing Autobiography of Miss Jane Pittman, available at https://interviews.televisionacademy.com/shows/autobiography-of-miss-jane-pittman-the?chapter=9&clip=68703 African-American Cowboys with their Mounts Saddled Up, https://www.jstor.org/stable/community.9862669  Ronald Wendell II, MA Thesis, https://repositories.lib.utexas.edu/server/api/core/bitstreams/92b088d1-1108-4044-8219-c7a03d5f87e5/content  Scott L. Matthews, "Documenting SNCC and the Rural South: Danny Lyon and the Cultural Politics of Civil Rights Movement Photography" https://www.jstor.org/stable/10.5149/9781469646473_matthews.8  Keith Rice, "The Civil Rights Movement and Steiner-Lobman Polly Brand Work Clothes," 2 September 2022, https://bradleycenterliberated.substack.com/p/denim-and-civil-rights  Sally E. Hadden, "Slave Patrols," https://www.jstor.org/stable/10.5149/9781469616742_ely.57  Lisa Cook, John Parman, and Trevon Logan, "The Antebellum Roots of Distinctively Black Names," Historical Methods: A Journal of Quantitative and Interdisciplinary History 55, 1 (2021) Recall Their Names: The Personal Identity of Enslaved South Carolinians, Charleston Time Machine, available at https://www.ccpl.org/charleston-time-machine/recall-their-names-personal-identity-enslaved-south-carolinians Laura Alvarez Lopez, "Who Named Slaves and Their Children? Names and Naming Practices Among Enslaved Africans Brought to the Americas and Their Descendants With a Focus on Brazil," Journal of African Cultural Studies 27, 2 (2015)

Are you ready to get Security+ certified? Watch our free training course:In this month's Security+ Study Group, you'll learn about: Quantitative risk assessment calculationsWeb server vulnerabilitiesProtecting against SQL injectionsWireless security configurationsUsing LinkedIn before a penetration testAnd more!Keep the study process going! Watch additional Security+ Study Group video replays on the Professor Messer website.

Quantitative, contrarian, and nuanced: these are the hallmarks of the Freakonomics approach. Hear journalist and podcaster Stephen Dubner speak with EconTalk's Russ Roberts about the 20th anniversary of the popular-economics book Dubner co-authored with Steven Levitt. They discuss how the book came to be, how the journey changed Dubner's life, and how it changed his thinking about various economics issues. The conversation includes a lengthy discussion on the role of private equity in the American economy, and Roberts's claim that Dubner and co-author Steven Levitt's treatment of incentives overlooks the role of competition and markets.

It's Tuesday, October 14th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Chinese Communists detain dozens of leaders of unregistered church The American State Department has condemned the Chinese Communist Party's recent detention of dozens of Christian leaders of the unregistered house Zion Church in Beijing. The arrests included the prominent Chinese Pastor Mingri “Ezra” Jin.  Zion Church includes 10,000 people from at least 40 Chinese cities -- making it  one of the largest house churches in China.   Secretary of State Marco Rubio is calling on the Communists to “immediately release the detained church leaders and to allow all people of faith, including members of house churches, to engage in religious activities without fear of retribution.”   Pastor Jin's son-in-law, Bill Drexel of the Hudson Institute, called the arrests “the most extensive attack on a Chinese church in four decades.” Trump rolls out additional 100% tariff on Chinese imports Speaking of China, U.S. President Donald Trump has announced an additional 100% tariff on all Chinese imports, above and beyond current rates. It will become effective on November 1st. This would raise tariff rates on Chinese imports to at least 155%. The Trump tariffs have not damaged Chinese exports much so far this year.  . .  Official numbers released yesterday indicate a 4% increase on total Chinese exports for the year. This occurred despite a 19% drop in US imports from China year-to-date. The U.S. makes up only 14% of Chinese exports. Israeli leader compares Trump to Cyrus the Great Celebrating the end of the recent war in the Middle East, President Donald Trump talked to the Israeli Parliament yesterday, reports the Times of Israel. Listen, TRUMP: “This is not only the end of a war; this is the end of an age of terror and death and the beginning of the age of faith and hope and of God. “It's the start of a grand concord and lasting harmony for Israel and all the nations of what will soon be a truly magnificent region. I believe that so strongly. This is the historic dawn of a new Middle East.” This comes as the Israeli-Hamas War ends and the twenty remaining living Israeli hostages were returned to their families. Israeli Prime Minister Benjamin Netanyahu  thanked President Trump for his support of Israel. NETANYAHU:  “The American-Israeli Alliance has never been as strong as it is now. The President has been an outstanding global leader. He's really transforming the world to better all of us. And I can again repeat what I've said time and time again: He's the greatest friend that Israel has ever had in the White House.” And Amir Ohana, the Speaker of the Knesset, the Israeli Parliament, also spoke in glowing terms. OHANA: “Mr. President, you stand before the people of Israel not as another American president, but as a giant of Jewish history -- one for whom we must look back two and a half millennia, into the mists of time, to find a parallel: Cyrus the Great. “You, President Donald J. Trump, are a colossus who will be enshrined in the pantheon of history. Thousands of years from now, Mr. President, the Jewish people will remember you.” Keep in mind, Jesus is the Prince of Peace. Isaiah 9:6-7 says, “For unto us a Child is born, unto us a Son is given; And the government will be upon His shoulder. And His name will be called Wonderful, Counselor, Mighty God, Everlasting Father, Prince of Peace. Of the increase of His government and peace, there will be no end.“ The conservative Global Methodist Church has drawn 6,000 churches The more conservative Global Methodist Church now has 6,000 congregations worldwide, about 80% of which are in the United States.     That compares with about 29,000 congregations participating in the more pro-homosexual United Methodist Church. Barna: 20% fewer churchgoers identify as pro-life Christian researcher George Barna revealed devastating news this weekend. The pollster found that the percentage of American churchgoers identified  as pro-life has dropped off from 63% to 43% in just the last two years. The largest decline of pro-life commitment occurred among Evangelical churches — an incredible 33% decline!   Churchgoers claiming to be pro-abortion increased from 22% to 35% over the same two years.   Yet, at the same time, 75% of churchgoers believe that God is the author of life, and 83% say they believe that every human has value and dignity. The report also found that 49% of Gen Z churchgoers are in favor of homosexual faux marriage. Among the nearly nine in 10 Americans who self-identify as Christian, the most common types of Christian church they attend are Catholic at 39%, mainline Protestant at 20%), Evangelical at 18%, independent or non-denominational Christian at 9%, and Pentecostal/charismatic at 4%. Of American churchgoers surveyed, 34% claim to be conservative, and 20% claim to be liberal. Jesus said, “You are the salt of the Earth; but if the salt loses its flavor, how shall it be seasoned? It is then good for nothing but to be thrown out and trampled underfoot by men.” (Matthew 5:13) Gold up 54% within the year Metals have become the preferred go-to for investors, or those who are out to preserve capital. Over the last month, gold is up 11% and silver is up 17%, while Bitcoin and the Nasdaq have been about even over the same time frame. Year-to-date, gold is up 54%! Experts point to the Fed's monetary easing, sluggish economic growth, rising inflation, and geopolitical instabilities as contributing to the trend.  Central banks fighting inflation Central banks worldwide are fighting inflation by reducing their Quantitative easing to tightening, from a peak of $38.6 trillion in 2022 to $29.5 trillion today.  These numbers are still up from $12 trillion back in 2009. The world inflation rate has dropped from 8.6% in 2022 to about 5% today. By contrast, between 2010 and 2020, the world inflation rate was running at 3.5% Government shutdown in 14th day And finally, the U.S. government shutdown enters its 14th day today.   The longest shutdown in history occurred in 2018, over a period of 35 days. About half of the 3,000,000 people on the federal payroll are out of work —or at least are foregoing a paycheck. About 750,000 federal employees have been furloughed. However, the Government Employee Fair Treatment Act of 2019 will ensure that all federal employees receive back pay for the shutdown period, if the government reopens for business sometime in the future. Close And that's The Worldview on this Tuesday, October 14th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.