Podcasts about Real

The Labor Department reported September jobs numbers on Thursday, showing employers added 119,000 jobs to the economy but also an increase in unemployment to 4.4 percent. “The September report shows fairly good job growth, but every other report we have for October shows a slowdown,” says Robert Reich, the former secretary of labor under President Bill Clinton.“Real wages — that is, wages adjusted for inflation — are going down for most people. The bottom 90 percent of Americans are in very bad shape,” says Reich. This week on The Intercept Briefing, host Akela Lacy speaks to the professor, author, and longtime commentator about the economy and the state of Democratic Party politics under Trump. “The only people who are doing well, who are keeping the economy going through their purchases, are the top 10 percent, and they're basically doing well because they're the ones who own most of the shares of stock,” says Reich. “What happens when and if the stock market implodes?”Reich has been beating the drum on poverty and inequality for decades. And while that message took some time to hit the mainstream, it seems to be hitting home now more than ever, but Democratic leadership continues to fall flat in conveying they understand the urgency of the economic hardships ordinary Americans face.The answer, Reich says, is new leadership. He is disappointed in Democrats who caved to Trump on the government shutdown. “It's another example of the Democrats not having enough backbone,” Reich says. “I think Chuck Schumer has to go. And Jeffries too.” He adds, “I'm 79 years old. I have standing to speak about the fact that there is a time to move on. And I think that the Democratic leaders today should move on.”Listen to the full conversation of The Intercept Briefing.You can support our work at theintercept.com/join. Your donation, no matter the amount, makes a real difference. Hosted on Acast. See acast.com/privacy for more information.

One of the breakout stars from Grant Ellis’ season of The Bachelor was Carolina Quixano, and now Ben and Ashley are finding out what she’s like off-screen! Carolina holds NOTHING back when breaking down everything that happened in her season, and she shares why she clashed with the other women in the mansion. We find out what she really thinks about Grant as a Bachelor lead, and if we'll be seeing her again on reality TV! Plus, Carolina spills all the tea on who she thinks were the REAL villains of her season. See omnystudio.com/listener for privacy information.

Think you need a six-figure salary to retire early? Think again. Middle school teacher Andrew Luman is achieving financial independence and retiring at 50—all on a teacher's salary. In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench unpack Andrew's complete FIRE strategy, proving that early retirement isn't reserved for high earners. In this episode, you'll learn: How Andrew discovered the FIRE movement and started his financial independence journey Building wealth on $35,000 a year: Andrew's early budgeting strategies The power of a high savings rate and how to achieve it on a modest income House hacking explained: How Andrew used a multi-unit property to eliminate housing costs Real estate investing for teachers and average income earners Portfolio breakdown: Andrew's asset allocation and investment strategy for early retirement The four-day work week advantage and how it accelerated his path to FIRE Choosing time over money: lifestyle decisions that make early retirement possible Side hustles for FIRE: Which ones are worth it Cash management strategies for approaching financial independence Approaching your FIRE number: What the final stretch looks like And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Frankie Stockes fills in for Stew Peters and covers the compactions between the Israeli American forever war machine and the third world invasion of the United States.Frankie Stockes fills in for Stew Peters and covers the compactions between the Israeli American forever war machine and the third world invasion of the United States.   Western civilization has been infected by a parasitic invasion of foreign ideals and values that have been introduced into our culture by strange and morally degenerate people whose goal is world domination. We have been OCCUPIED. Watch the film NOW! https://stewpeters.com/occupied/

I sit down with Corey Benish, President & CEO of Home Franchise Concepts (HFC) — the powerhouse behind brands like Budget Blinds, Kitchen Tune-Up, Bath Tune-Up, Tailored Closet, AdvantaClean, Lightspeed Restoration, PremierGarage, Two Maids, and Aussie Pet Mobile.In this episode, Corey reveals the truth about semi-absentee franchising, how HFC builds multi-million-dollar franchisees, and why their brands like Budget Blinds, Lightspeed Restoration, Kitchen Tune-Up, Bath Tune-Up, and PremierGarage dominate their categories. Learn how to evaluate franchise opportunities, compare franchising vs. business acquisition, understand scalability, and tap into the power of franchise systems, training, tools, community, and operational playbooks that actually work. If you want to build generational wealth through franchising — this is the episode you need.Sponsored by SEO Samba — AI-driven, predictable franchise marketing.TIMESTAMPS00:00 – “Corey… before I hit record—” (Oops, we're already recording!)00:27 – Welcome to Franchise Fit Podcast (formerly Eye On Franchising)01:00 – Introducing Corey Benish, President & CEO of Home Franchise Concepts02:00 – HFC wins Franchise Innovation of the Year02:40 – “Are you getting to 3,000 Budget Blinds franchisees?”03:50 – Why franchising beats buying an existing business06:00 – The REAL risks of buying a non-franchise business07:40 – Why partnership is in HFC's DNA09:20 – How HFC onboards and empowers franchisees11:10 – International convention, collaboration, vendor partnerships12:20 – What sets Home Franchise Concepts apart from competitors14:55 – Backed by a $22B+ parent company — JM Family Enterprises16:00 – Balancing emerging brands vs. mature ones17:40 – How HFC decides where to invest brand-by-brand19:10 – What it takes to scale a brand to national dominance20:30 – Why “scalable & repeatable” is the heart of franchising22:00 – AI, visualization tech, and the future of home services23:20 – Is semi-absentee REAL or pure marketing hype?25:10 – The truth: commitment, investment, and growth mindset27:00 – “Fall in love with the operating model — not the logo”28:10 – Great Clips story: Bald guy buys a hair salon29:15 – How HFC guides candidates across 10 brands31:00 – The millionaire franchisees: what they ALL do differently33:20 – Advisory councils, innovation feedback, and collaboration35:00 – The “mastermind effect” unique to franchising36:40 – Multi-brand and multi-unit expansion at HFC38:10 – Spotlight on Lightspeed Restoration — massive, fragmented, mandatory market41:10 – Insurance relationships, 24/7 model, and explosive growth potential43:00 – Why getting in early matters (my Wingstop story)45:10 – Final advice: Don't wait. Be curious. Love the model. Choose franchising.47:00 – Closing thoughts + call to action47:40 – Schedule your free Franchise Fit call below

It's “Free-for-All Friday,” and as usual the studio is crawling with our favorite lovable menaces. If you've ever wondered what childbirth really feels like, just try the “Butt Baby”—because nothing says love like heroically delivering a deluxe, emotionally supportive dump. We also dive into a round of “Real or Fake,” and trust me… that's just the beginning!

Harry, Stelios, and Nick discuss the Chicago train attack, institutionalised and systematic racism being REAL, and the new Left-Right populist alliance. We've just released Stelios' new course Ancient Greek Virtue Ethics! Check it out and start exploring the ideas that shaped Western thought here.

What if success wasn't about scaling faster… but about aligning deeper?In this vulnerable and energizing conversation, George sits down with Hunter Hensley, a seasoned entrepreneur and visionary behind SimpleCheck, to explore what it means to build something that matters. From the early days of entrepreneurship to leading a high-performing team, Hunter shares how he built a business that doesn't just scale — it serves.Whether you're a founder, leader, or someone craving meaning in your work, this episode offers you permission to lead differently — from alignment, intention, and purpose.What You'll Learn in This Episode:How Hunter built SimpleCheck from a whisper to a visionWhy purpose beats productivity in the long runHow to lead without sacrificing your soul or your familyIdentity shifts required for sustainable leadershipHow to choose service over ego — and still winNavigating growth while staying grounded Key Takeaways:✔️Growth doesn't require burnout. It requires alignment.✔️The hardest part of leadership is keeping your heart in it.✔️Legacy is built in how you show up daily — not just in outcomes.✔️Entrepreneurship is personal development in disguise.✔️You don't need to chase impact — you need to embody it.✔️If your business costs you your peace, it's too expensive.✔️Be the same person behind the scenes as you are on the mic. Timestamps & Highlights:[00:00] – Why this episode will change the way you lead[04:20] – Hunter's origin story: faith, grit, and vision[09:35] – Scaling without selling your soul[13:50] – Ego vs. service: how to check yourself daily[19:10] – Leadership lessons that saved his marriage and business[24:42] – Identity shifts when you become a leader of leaders[30:00] – Building SimpleCheck from scratch[36:50] – “I almost lost it all” — pivotal business moment[42:05] – Real talk: therapy, truth-telling, and self-awareness[49:15] – What legacy really means to Hunter[54:10]– Raising kids while running a company[59:00] – How to lead when life gets heavy[1:03:20] – Final reflections + where to connect with HunterConnect with Hunter Hensley:Website: https://www.simplecheck.com/Instagram: @officialhunterhensleyFacebook: Hunter Hensley Your Challenge This Week:This episode hit deep?DM @itsgeorgebryant or @officialhunterhensley with the word “LEGACY” and we'll send you a free journaling prompt + video to help you lead from the inside out.Want to build your business without losing your soul?Apply for a spot at George's next Relationships Beat Algorithms™ Retreat or join his amazing Alliance. Book a 1:1 call with George.

In this week's solo episode, John Casmon steps away from guest interviews to break down one of the most misunderstood topics in multifamily investing: underwriting. After speaking at the Big Deal Summit in Columbus, John shares the real-world framework he uses to analyze deals—not just in spreadsheets, but in practice. From setting clear investment criteria to identifying operational inefficiencies, John walks through how successful investors combine vision, market insight, and execution to drive lasting results.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Underwriting isn't about the spreadsheet—it's about the vision, people, and execution Always define your buy box and end goals before analyzing numbers Focus on markets with both macro strength and micro-level renter desirability Investors don't pay premiums for plumbing or electric—focus on visible value Operational inefficiencies are gold if you know how to identify and fix them Don't assume you can operate better than a seasoned owner without proof Stress test your assumptions: What happens if the plan breaks?     Topics The Real Goal of Underwriting Spreadsheets don't reflect operations—real estate is about people, not numbers Get clarity on what kind of asset and community you're trying to build Defining Your Buy Box Understand your own criteria before chasing ROI or IRR Why Cincinnati and surrounding markets meet John's standards for long-term growth Macro and Micro Market Selection How renter desirability shapes submarket selection Population growth ≠ renter demand—context matters Value-Add the Right Way Tenants won't pay more for new pipes—focus on kitchens, lighting, appliances Target properties with updated mechanicals so your upgrades actually add value Operational Inefficiencies to Look For Low occupancy, slow turn times, bloated expenses, and misaligned staffing Why seasoned operators aren't always "mismanaging"—stay humble Creating vs. Assuming Value Ask questions before opening a spreadsheet—what is the business plan? Don't guess your way through the numbers; know what levers create value Stress Testing the Deal Underwrite break-even points and failure scenarios Real story: How one business plan unraveled when resident profiles clashed Final Thoughts on Strategy Vision before budget—start with what you want to create IRR matters, but timing and exit assumptions often fail Know your buyer—plan your renovations around future investor demand    

Cynthia Coufal, founder of Cynthia Coufal Coaching, a coaching practice that helps teens and young adults manage anxiety, while also supporting parents with their own growth and understanding through a dedicated membership.Through one-on-one coaching, podcasting, and her newly launched parent community, Cynthia brings calm, clarity, and confidence to families navigating anxiety using tools rooted in empathy and experience.Now, Cynthia's transition from 31 years in education to becoming a full-time coach shows the power of taking imperfect action and trusting your ability to help others in new and meaningful ways.And while juggling podcasting, launching new offers, and staying focused even in slow seasons, she's proving that real impact doesn't require perfection - just purpose and persistence.Here's where to find more:Website: www.cynthiacoufalcoaching.comPodfollow: https://podfollow.com/the-teen-anxiety-mazeSocial Media:https://www.facebook.com/cynthiacoufalcoaching?view_public_for…https://www.instagram.com/cynthiacoufalcoaching/?hl=enhttps://www.youtube.com/channel/UCO9WBijdxeYpQSekM7RZYvAhttps://www.tiktok.com/@cynthiacoufalcoaching?is_from_webapp=1…https://www.linkedin.com/in/cynthia-coufal-836a2236________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Disclaimer: This is a sponsored episode. Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  

Street smarts is the REAL currency—the raw, gut-level intelligence that turns weak negotiators into deal-closers, and average salespeople into legends. This isn't theory. This is survival-level dominance—the kind that reads a room in 3 seconds, flips objections into yeses, and makes people beg to buy from you. Without it? You're getting eaten alive. With it? You can increase your income, your influence, your LIFE. Street smarts defined: It's your social IQ —reading people like a book, adapting in chaos, and making split-second moves that win. It's not EQ. It's not book smarts. It's real-world radar: spotting lies, building trust fast, knowing when to push, when to walk. It's the hidden code that separates the 1% who crush from the 99% who get crushed. maximizeyourinfluence.com

What happens when you chase success without a personal philosophy strong enough to hold you steady? In today's episode, Kevin and Alan reveal the core mindset that has carried them through years of unseen work, delayed validation, and relentless consistency. You'll learn why identity-driven mantras matter, how they protect your focus when progress is invisible, and why serious growth only comes from serious standards.If you're committed to long-term improvement but feel stuck in the gap between effort and results, this will give you the clarity and fire you've been missing.Learn more about:Your first 30-minute “Business Breakthrough Session” call with Alan is FREE. This call is designed to help you identify bottlenecks and build a clear plan for your next level. - https://calendly.com/alanlazaros/30-minute-breakthrough-sessionJoin our private Facebook community, “Next Level Nation,” to grow alongside people who are committed to improvement. - https://www.facebook.com/groups/459320958216700_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.

Call-In Hour: Politics, Chaos & the Young Voter Wave

Show LinksSelf-Paced Resources:Subscribe To The Daily Podcast: https://yourlevelfitness.com/podcastNew To The YLF Philosophy? Start Here: ylf30.comDaily Accountability And Structure For Your Self-Paced Inside/Out Process: https://yourlevelfitness.com/daily-emailQ&A Response YouTube Playlist: https://www.youtube.com/playlist?list=PLjSupgaY5KA66MD2IdmCwFhLFbDe-pk1lIndividualized Guidance From DarylJoin The YLF Experience: https://app.moonclerk.com/pay/5t93iox9udm3Compare All Service Levels: https://yourlevelfitness.com/coachingGet Your Merch, Mugs And Wall QuotesShop The Current Collections: https://yourlevelfitness.shop/collectionsIn this episode of The Daryl Perry Podcast, we explore a powerful question. What brings you peace? Not temporary escape. Not the approval of others. Real internal calm. We continue the conversation around worth and validation, and we look at how peace shows up when you begin trusting yourself to navigate life from a calmer headspace.I talk about why so many of us feel more familiar with chaos than with peace, and how uncomfortable it can be to experience calm when it finally arrives. You might even feel guilty for wanting peace because it seems foreign. But this is part of the work. The inside/out process involves sitting with your thoughts, allowing uncomfortable feelings to exist, and untangling long held patterns that keep you in survival mode.I also share thoughts on therapy and why developing a productive working relationship with a therapist can be life changing. It is not just signing up for therapy, it is learning to open up, recognize blind spots, and work together on navigating thoughts, habits and emotions. The goal is not to remove all challenges. The goal is to trust yourself more while facing them.Some things in life will never make sense. Some circumstances will not have a satisfying explanation. Peace is not having answers to everything. Peace is knowing you can handle life even when things are unresolved. It is feeling like you belong in your own body and in your own mind. That takes consistent practice, grace and a willingness to continue the conversation with yourself.If this message connects with you, I would love to hear your thoughts. Email me anytime at daryl@yourlevelfitness.com.Thank you for listening. I appreciate you. Keep practicing calm. Keep doing the work. We are changing the way we see ourselves and how we define success, and it goes far beyond fitness.Please share this episode with anyone you think would be interested in listening to it.Visit darylperrypodcast.com for links to the show page on each of the major podcast directories. From there, you can subscribe and share this pod.For comments, questions, topic ideas, possible collaborations please email daryl@yourlevelfitness.com

Google just released Gemini 3, and I tested it with 3 real business use cases: prepping for a $200K sales call, building an interactive sales dashboard, and creating a complete website from scratch—all in minutes.In this video, I show you LIVE examples of:✅ Gemini Agent prepping an entire sales call (research, pitch angles, objection handling, follow-ups)✅ Dynamic dashboards with real-time calculations and interactive sliders✅ Full website generation with 921 lines of working code in under 60 seconds✅ Custom image generation and prompt engineeringThis isn't theory—I'm screen recording everything as it happens so you can see the actual speed and quality.⏱️ TIMESTAMPS:0:00 - Intro: Why Gemini 3 is a Big Deal1:15 - Benchmark Breakdown (Why This Matters)2:27 - Use Case #1: $200K Sales Call Prep4:46 - Visual Layout & Interactive Infographic Demo7:03 - Use Case #2: Building a Website from Scratch (Live Code)9:27 - Use Case #3: Interactive Q4 Sales Dashboard11:51 - Testing the Prompt Generator Live12:45 - Final Thoughts & Why This Changes Everything

Welcome back to the Working Perspectives Podcast! Hosts Matt Lavelle, Bern Podcasy, & Liam Reese are in the studio to break down a wild weekend of football, vent some fan frustration, and lock in their official Week 12 predictions!

$1 Patreon sale! Promo Code “DRAMA” (expires Nov 30, 2025): https://www.patreon.com/cw/illuminatiwatcherOn today's episode of the Occult Symbolism and Pop Culture with Isaac Weishaupt podcast we unpack a wild conspiracy theory about the possible identity of the founder of Bitcoin- Satoshi Nakamoto! It all started with an examination of Epstein File email 026360 which took me down a path of Gavin Andresen's REAL identity, occult Runes, death and rebirth rituals, Gavin's connections to Satoshi, the Bitcoin Foundation, Joi Ito, MIT's Media Lab and following the money straight to Epstein himself! It's a wild ride so get ready!Links:$1 Patreon sale! Promo Code “DRAMA” (expires Nov 30, 2025): https://www.patreon.com/cw/illuminatiwatcherIs Bitcoin an Illuminati Ruse?… Cryptocurrency Conspiracy Theories on CTAUC Podcasthttps://www.illuminatiwatcher.com/bitcoin-illuminati-ruse-cryptocurrency-conspiracy-theories-ctauc-podcastI'm back on YouTube! https://www.youtube.com/@occultsymbolism (*Supporter feeds Tier 2 members get videos with early access, no ads)Show sponsors- Get discounts while you support the show and do a little self improvement!*CopyMyCrypto.com/Isaac is where you can copy James McMahon's crypto holdings- listeners get access for just $1 WANT MORE?... Check out my UNCENSORED show with my wife, Breaking Social Norms: https://breakingsocialnorms.com/GRIFTER ALLEY- get bonus content AND go commercial free + other perks:*PATREON.com/IlluminatiWatcher : ad free, HUNDREDS of bonus shows, early access AND TWO OF MY BOOKS! (The Dark Path and Kubrick's Code); you can join the conversations with hundreds of other show supporters here: Patreon.com/IlluminatiWatcher (*Patreon is also NOW enabled to connect with Spotify! https://rb.gy/hcq13)*VIP SECTION: Due to the threat of censorship, I set up a Patreon-type system through MY OWN website! IIt's even setup the same: FREE ebooks, Kubrick's Code video! Sign up at: https://illuminatiwatcher.com/members-section/*APPLE PREMIUM: If you're on the Apple Podcasts app- just click the Premium button and you're in! NO more ads, Early Access, EVERY BONUS EPISODE More from Isaac- links and special offers:*BREAKING SOCIAL NORMS podcast, Index of EVERY episode (back to 2014), Signed paperbacks, shirts, & other merch, Substack, YouTube links, appearances & more: https://allmylinks.com/isaacw *STATEMENT: This show is full of Isaac's useless opinions and presented for entertainment purposes. Audio clips used in Fair Use and taken from YouTube videos. 

This week, we travel from Ireland to Canada to California. Hear Gerry O'Connor, The Gothard Sisters, The Irish Rovers, and new music from May Will Bloom. Discover heartfelt songs and driving reels that keep Celtic traditions alive, on the Irish & Celtic Music Podcast  #735  -  -  Subscribe now! Gerry O'Connor, Eloise & Co., The Gothard Sisters, Elizabeth Sutherland, The Irish Rovers, May Will Bloom, The McDades, Celia Farran, Faoileán, Piskey Led, Larkin & Moran Brothers, Derina Harvey Band, Caliceltic, Callán, Ashley Davis Band GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items with what's happening with Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have until December 4 to vote for this episode. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2 - 3 weeks. THIS WEEK IN CELTIC MUSIC 6:45 - Gerry O'Connor "O'Connor4 (Reels)" from Last Night's Joy 5:01 - WELCOME 6:40 - Eloise & Co. "Janet's/Angel Rocks" from avec Elodie 10:22 - The Gothard Sisters "Golden Secrets" from Moment in Time 13:55 - Elizabeth Sutherland "Evening Reflection" from Forest Dreams 17:16 - May Will Bloom "Star of the County Down" from Single 21:11 - FEEDBACK 26:25 - The Irish Rovers "Oh Dear Me" from No End in Sight 29:49 - The McDades "November 8th" from The Empress 33:36 - Celia Farran "California Ireland" from The Bard of Armagh:  A Tribute to Tommy Makem 36:44 - Faoileán "Far Hills of Canada" from Far Hills 42:36 - Piskey Led "Blackbird of Mullaghmore" from Piskey Led 47:27 - THANKS 49:37 - Caliceltic "Stumbling Distance" from Paddy Paradise 52:09 - Larkin & Moran Brothers "Muirsheen Durkin" from Éistigí 54:12 - Derina Harvey Band "The Fallen Man's Daughter" from Waves of Home 58:30 - Callán "Road From Donegal" from Bloody Callán 1:03:31 - CLOSING 1:04:38 - Ashley Davis Band "Not Today (feat. Mick McAuley)" from When the Stars Went Out 1:08:15 - CREDITS Support for this program comes from International speaker, Joseph Dumond, teaching the ancient roots of the Gaelic people. Learn more about their origins at Sightedmoon.com Support for this program comes from Cascadia Cross Border Law Group, Creating Transparent Borders for more than twenty five years, serving Alaska and the world. Find out more at   www.CascadiaLawAlaska.com Support for this program comes from Hank Woodward. Support for this program comes from Dr. Annie Lorkowski of Centennial Animal Hospital in Corona, California. The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor. Finally, remember. Clean energy isn't just good for the planet, it's good for your wallet. Solar and wind are now the cheapest power sources in history. But too many politicians would rather protect billionaires than help working families save on their bills. Real change starts when we stop allowing the ultra - rich to write our energy policy and run our government. Let's choose affordable, renewable power. Clean energy means lower costs, more freedom, and a planet that can actually breathe. Promote Celtic culture through music at http://celticmusicpodcast.com/. WELCOME THE IRISH & CELTIC MUSIC PODCAST * Helping you celebrate Celtic culture through music. I am Marc Gunn. I'm a Celtic musician and also host of Pub Songs & Stories. Every song has a story, every episode is a toast to Celtic and folk songwriters. Discover the stories behind the songs from the heart of the Celtic pub scene. This podcast is for fans of all kinds of Celtic music. We are here to build a diverse Celtic community and help the incredible artists who so generously share their music with you. If you hear music you love, please email artists to let them know you heard them on the Irish and Celtic Music Podcast. Musicians depend on your generosity to release new music. So please find a way to support them. Buy a CD, Album Pin, Shirt, Digital Download, or join their community on Patreon. You can find a link to all of the artists in the shownotes, along with show times, when you visit our website at celticmusicpodcast.com. Or email follow@bestcelticmusic to learn how to subscribe to the podcast. I will send you a free music - only episode. If you're in a Celtic band, you will also learn how to get your music played on the podcast and get a free eBook called Celtic Musicians Guide to Digital Music. It's 100% free. Again email follow@bestcelticmusic FOLLOW OUR KICKSTARTER PRE - LAUNCH PAGE I just setup a pre - launch page for our next Kickstarter in January. Once again, this will be for funding a Best of 2025 compilation album on CD or Album Pin or even as a Shirt. Follow the link in the shownotes, so you can be the first to get a copy of our next compilation. Only 100 CDs and 100 album pins will be made. Follow the Kickstarter. HAVE YOU HEARD OF ALBUM PINS? Just like this podcast, they are changing the way we hear Celtic music. There were several folks who showed at the Irish & Celtic Music Podcast booth at IrishFest Atlanta. Several people were confused about the album pins I talk about on this show. So I thought I'd share details. An album pin is a lapel pin. Each pin is themed to a particular album I've released. You get a digital download of the album. And then you can wear your help. It's fashion and music combined as one. My pins are beautifully designed and wood burned locally. This makes them better for the environment. If you want to learn more about Album Pins, you can read more about them on my celtfather.Substack.com or just buy one at magerecords.com THANK YOU PATRONS OF THE PODCAST! Your support makes the Irish & Celtic Music Podcast possible, nearly every week of the year. You're not just funding a show. You're fueling a movement that shares the magic of Celtic music with thousands around the world. Your generosity covers everything from audio engineering and artwork to the Celtic Music Magazine, show promotion, and buying music from independent Celtic artists. If you're not a patron yet? You're missing out! You get ✨ Early access to episodes

Today's show:The race for more compute gets all the headlines, but Mistral AI CEO Arthur Mensch tells us the REAL danger is running out of data!On TWiST, Jason and Alex are chatting with the head of France's largest foundation AI company, Mistral AI, about how enterprises can get more out of their AI pilots, whether the West is lacking leadership on open-source, why Mistral AI isn't pursuing every possible kind of AI application, and optimizing your models for performance rather than benchmarks (aka benchmaxxing). Find out what it's like to run a huge AI company in today's intense environment!PLUS… why everyone made the wrong call on OpenAI vs. Google… Kraken's fresh $20 billion valuation… Jason's urgent message to every company thinking about M&A… and much more!Timestamps:(3:35) Why did everyone get it wrong on Google vs. OpenAI?(10:51) Why Jason thinks drone delivery will make everyone safer(9:52) SQUARESPACE: Use offer code TWIST to save 10% off your first purchase of a website or domain at https://www.Squarespace.com/TWIST(11:26) Mistral AI CEO Arthur Mensch joins us! What's it like to run a foundation model AI company in this intense environment?(14:50) Why enterprises aren't getting enough value out of AI and how Mistral AI aims to correct this(18:45) Why Mistral AI's goal is, ultimately, to disappear…(20:19) LinkedIn Ads: Start converting your B2B audience into high quality leads today. Launch your first campaign and get $250 FREE when you spend at least $250. Go to http://linkedin.com/thisweekinstartups to claim your credit.(22:49) Are Europe and the US lacking leadership on open source AI?(24:53) Mistral AI doesn't need to compete in every category... how big of an advantage is focus?(27:05) The “two bottlenecks” in Machine Learning: Compute and Data(29:01) How Mistral AI works with human experts to annotate their models, and where they source them from(30:06) Nexos.ai: Stop Shadow AI in its tracks with the unified platform for secure AI adoption and productivity. Try it with a free 14-day trial at https://nexos.ai/twist.(34:24) Is optimizing your model for benchmark tests (aka benchmaxxing) like cheating?(40:08) Will we ever be able to run smaller AI models on our phones?(44:21) When does Arthur think we'll have truly helpful humanoid robots in our lives?(49:42) Suno lawsuits and why Jason says you should NEVER break the rules, ESPECIALLY with the music industry(54:28) Release the Kraken! They're now worth $20 billion.(56:48) Jason is going to F1… should he take up the offer and do a dry run?(58:30) How Meta beat the FTC and why Jason is so excited about it(1:01:37) Who should buy Crunchbase?

Welcome to Wholesale Hotline Podcast (Wholesaling Inc Edition), where Brent brings unmatched energy and no-BS strategies straight from his own real-world wholesaling business to help you crush it in yours. Today's episode is part of our Throwback Series where we re-air some of our most popular shows. This episode originally aired on 09/21/2024. Show notes -- in this episode we'll cover: Master cold calling, lead generation, and sales scripts to consistently close deals. You'll learn the latest on the most cutting-edge techniques—like PPC, texting, and automated follow-up systems. Learn how to build confidence, overcome objections, and dominate your local market. Brent shows how talking to people is the fastest, most direct path to wholesale success. Real-life case studies, role plays, and mindset shifts that turn hustle into high income. Please give us a rating and let us know how we are doing! ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & TTP Breakout

Viral Brick Lady: Remember Viral Brick Lady? Well she is facing comeuppance for conning people out of money with a Gofundme for a fake attack. Timbaland's AI Artist: Timabaland has embraced AI by releasing tracks through his new AI artist Tata Taktumi. Dancing With The Stars: While covering Andy's journey on DWTS we look back on Whitney Leavitt's social media controversies. THE BEAR!, FUCK YOU, WATCH THIS!, PAPA ROACH!, SCARS!, TEAR MY HEART OPEN!, LAND IT!, FRONT FLIP!, CATCH UP!, OBAMNA!, ORIGIN!, LVL UP EXPO!, PASSES!, PANEL!, LIVE!, JIM AND THEM!, ADVERTISED!, VAMPIRES BALLAD!, COVER!, METAL!, REAL!, ADRIEN SKYE!, BRICK LADY!, GOFUNDME!, MONEY!, ARRESTED!, FRAUD!, STITCHES!, BEE!, THEFT BY DECEPTION!, HAIRSTYLE!, CRAZY HAIR!, BUSINESS!, KICKSTARTER!, PRODUCTION!, HAIRCUT!, PROBATION!, SOCIAL MEDIA!, FINSTA!, TIMBALAND!, JABBOWOCKEEZ!, AI MUSIC!, AI ARTIST!, TATA TAKTUMI!, GLITCH!, DETROIT!, STYLE!, SOUL!, PULSE!, FLAVOR FLAV!, DANCING WITH THE STARS!, ANDY RICHTER!, GUEST JUDGE!, ROCK AND ROLL HALL OF FAME!, SUNGLASSES!, TIMELESS!, CELEBRATE GOOD TIMES!, GLEB!, MORMON WIVES!, WHITNEY LEAVITT!, ER DANCE!, BABY!, EMERGENCY!, POURING WATER!, DUNKED!, CRACKED UP!, COREY'S TWITTER!, CLAPPED CHEEKS!, RAT FINK!, DUNE BUGGY!, BIG BRO!, UNC!  You can find the videos from this episode at our Discord RIGHT HERE!

If you've gone through divorce, are contemplating it, or you're smack in the messy middle, you already know: one of the hardest parts isn't the paperwork. It's learning how the hell to communicate with your ex. This is someone you likely have a lot of emotional heat with: toxic, irritating, disappointing, or all of the above and communication might even be one of the reasons you're not together anymore. And if you share kids? The communication doesn't end just because the relationship does. You still have to find a way to talk calmly, clearly, and with as much emotional self-protection as possible. That's why I brought on today's guests:Tessa Noel and Heather Ruiz from Talking Parents, a platform designed to reduce the chaos, conflict, and emotional landmines that come with co-parenting. Tessa is a certified divorce transition coach and a co-parent who's lived through a brutally high-conflict divorce. Heather brings 20+ years of communications and leadership experience, and her own co-parenting journey, to the work she does shaping Talking Parents' mission. At the end of the day, healthy communication isn't about fixing your ex, it's about reclaiming your power and creating the calm your kids need. ✨ If you'd like to watch the video version of this episode, you can find it here. What you'll hear about in this episode: The biggest mistakes people make when they first start co-parenting with a difficult or high-conflict ex (11:45) Real-life communication patterns that support healthier outcomes for kids (16:00) How boundaries changed everything for Tessa and why Heather says they're essential to set early, even when things feel amicable (23:45) Tessa's children's book Stella's Two Homes and how it helps kids navigate two-household families (28:45) Learn more about Tessa Noel and Heather Ruiz: Tessa Noel is a certified divorce transition and recovery coach with extensive knowledge in multiple life coaching frameworks. She holds a degree from California State University of San Marcos and has firsthand experience in the family courts of California. Tessa is also a co-parent with two children. In her free time, she loves to take them on adventures around their home state of California. With over 20 years in marketing and communication, Heather Ruiz is at the forefront of software services as TalkingParents Marketing Director, shaping the narrative around a pivotal time when digital platforms are redefining how co-parents coordinate, collaborate, and care for their children. Resources & Links: Focused Strategy Sessions with Kate The Divorce Survival Guide Resource BundlePhoenix Rising: A Divorce Empowerment CollectiveKate on InstagramKate on FacebookKate's Substack Newsletter: Divorce Coaching Dispatch The Divorce Survival Guide Podcast Episodes are also available YouTube! Talking Parents Talking Parents on Facebook Talking Parents on Instagram Talking Parents on LinkedIn Talking Parents on TikTok Talking  Parents on YouTube Tessa on Instagram Stella's Two Homes =================== DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM. Episode link: https://kateanthony.com/podcast/episode-345-how-to-communicate-with-your-ex-without-losing-your-mind-with-the-pros-at-talking-parents/  

The most rewarding money move you can make before December 31st isn't a tax hack, an investment tweak, or a budgeting trick — it's generosity. But not the chaotic, guilt-driven kind that leaves you staring at your credit card bill wondering what happened. We're talking intentional, values-aligned giving that feels good, makes sense financially, and creates real impact. In this episode, Shari breaks down how to build a year-end giving plan that's thoughtful, strategic, and completely aligned with what matters most to you. From setting a realistic giving budget to choosing between cash, stuff, or experiences, to vetting charities and teaching kids the meaning of generosity — this is your blueprint for giving with clarity instead of pressure. You'll hear: How to set a values-based giving budget that actually feels good The difference between gifting stuff, gifting cash, and gifting experiences — and why one is almost always best How to vet nonprofits so your contribution makes real impact Ways to teach kids (and family) the habit of intentional generosity A step-by-step year-end generosity checklist you can use today If you're ready to end the year feeling aligned, not drained — this one's for you Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

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

This episode features a candid conversation between Travis and his producer Eric, diving into the realities of investing in organic content creation for business growth. They unpack the costs, strategies, and mindset shifts required to build a successful content engine, using real-world examples from comedians and entrepreneurs to illustrate the importance of budgeting for organic growth. On this episode we talk about: The hidden costs behind successful comedians and podcasters who appear to “do it all themselves”​ The importance of investing in content creation, editing, and social media management for long-term business growth​ How paid advertising and organic content work together to build a brand and drive results​ The value of outsourcing tasks to free up time for high-impact activities​ Real numbers from top creators, including how much they spend monthly on organic content​ The trade-offs between doing everything yourself and hiring experts to scale your business​ Top 3 Takeaways 1.  Organic content creation is not free—successful creators invest heavily in teams and tools to produce and distribute content.​2.  Outsourcing non-core tasks allows entrepreneurs to focus on what they do best, maximizing both time and revenue.​3.  Building a brand through organic content pays exponential returns over time, far outpacing paid advertising alone.​ Notable Quotes   "It's not just because he says good stuff. It's because he spends multi six figures a month on content creation."​   "You have to do it. It's not a negotiable for anybody now."​   "The more content you put out online, the more ability AI has to be able to suggest your stuff."​ ✖️✖️✖️✖️

Short pod but big news: THE SHOW HAS A SPONSOR NOW. You'll hear all about it. But for the pod: Lots of football. College natty and NFL Super Bowl odds, the Coach Sark rumors at Texas, Shedeur Sanders hype is REAL. Also - Marjorie Taylor Green is gonna run for president. Emails/tweets too. Get it in y'all. ###   Sponsor Disclaimer: The views, opinions, and statements expressed by Shea in Irving are solely their views and do not necessarily reflect the views, opinions, or positions of Nicokick.com or its affiliates.   WARNING: This product contains nicotine. Nicotine is an addictive chemical. Underage sale prohibited.   link: https://nicokick.com/us/black-friday   Advent calendar link: https://nicokick.com/us/christmas-advent-calendar-2025

Molly Patrick teaches us about creating a values-driven business through genuine connection, radical honesty, and community that sustains itself without ads, gimmicks, or burnout. Molly is the co-founder of Clean Food Dirty Girl, a global community known for its honest, inclusive approach to plant-based living. Raised off-grid in New Mexico, Molly learned early to value simplicity, hard work, and humor - principles that still shape her work today. A lifelong vegetarian and vegan since 2010, she has been alcohol- and cigarette-free since 2015 and now lives on the island of Maui, leading a thriving movement that helps people eat more plants and live more intentionally. For over a decade, Molly has built a thriving global community around eating more plants, not through viral hacks or paid ads, but through heart, storytelling, and trust. She has turned authenticity into strategy and connection into sustainability. In this conversation, she and Megan dive deep into what makes communities stick, how to serve before you sell, and why writing to your audience like a friend will always outperform clever marketing. Key points discussed include: Build trust, not traffic: Community outlasts algorithms every time. Show up human: People connect with your truth, not your polish. Serve before you sell: Generosity creates loyalty that no ad can buy. Email is still gold: Talk to your audience like a best friend, not a brand. Hold it lightly: You can't force connection. Create space for it. Listen and evolve: Feedback is a gift, not a critique. Sustain through simplicity: When you remove the fluff, your message shines. Community over clicks: Real relationships build the most resilient businesses. Connect with Molly Patrick Website | Instagram

Sarah McCauley, founder of Effitech Solutions, a consulting business that helps growth-stage companies turn accounts receivable chaos into cash clarity and predictable revenue outcomes that don't lie.Through strategic advisory and deep operational alignment, Sarah reframes AR from a backend task into a forward-facing growth driver - helping companies see what they've been missing and act on it.Now, Sarah's shift from a secure corporate role to solo founder shows the power of choosing clarity over convention and building something that challenges outdated narratives.And while navigating the pressures of freedom, sales, and standing solo, she's not just chasing payments - she's changing strategy and reshaping the way businesses think.Here's where to find more:www.effitechsol.comhttps://www.linkedin.com/in/sarahjmccauley________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

We continue our Trapital Summit series with Dan and MiDIA Research's Tati Cirisano sharing bold predictions from Trapital Summit attendees and sharing their thoughts. We debate the long-term viability of major record labels, whether a Netflix + Spotify merger make sense (we recorded this before the podcast partnership!), we also discussed whether we'll return to mass mainstream monoculture, future growth opportunities, and which new opportunities will be unlocked by AI-powered tools. CHAPTERS 01:47 Future of Major Labels? 03:58 Will Netflix and Spotify Ever Merge? 05:52 A Return to Monoculture? 09:06 Unprecedented Industry Growth? 10:30 Will AI-Driven Labels Be The Future? SPONSORS Splice: Splice Instrument is here. Real instruments, meticulously crafted, and authentically crafted Chartmetric: Listen in for our Stat of the Week GUEST Tatiana Cirisano, VP Music Strategy, MIDiA Research TRAPITAL Where technology shapes culture. New episodes and memos every week. Sign up here for free.

Most founders want a hack. Most apps promise a shortcut.But the fundamentals haven't changed in 300,000 years: sleep deeply, hydrate, eat real food, and lift heavy things.This episode dismantles the fantasy that “more tech = more health,” exposes why busy executives burn out even with expensive tools, and reframes fitness as relationship-based, not software-based.We dig into why high achievers chase optimization instead of consistency, how food processing quietly wrecks your hormones, and why proactivity beats the doctor's-warning-reactivity most men experience at 55.No aesthetic fluff. No app worship.Just the truth: your body runs on basics—and basics need a human.TL;DR* Health ≠ apps. The industry sells tools; humans want results.* AI can scale, but it can't notice when your voice sounds off at 7am.* Proactivity > reactivity. Don't wait for arrhythmia to start caring.* The “3–4 hour rule”: If you can't give your body 3–4 hours a week, you're lying about priorities.* Food processing is a hidden health killer: cheap ≠ harmless.* Fitness works best when integrated into life—not scheduled around it.Memorable Lines* “Nobody cares about tools. They care if they look better naked.”* “AI can give you a program. It can't give you empathy.”* “If you're too busy to walk, but never too busy to scroll, you're not busy—your priorities are.”* “You are what you eat… and what what-you-eat has eaten.”GuestCameron Harris — Founder, Truth FitnessCoaches entrepreneurs and senior executives who want results without gimmicks—and who need a human who actually notices the small things apps never can.LinkedIn: https://www.linkedin.com/in/camtruth/Website: https://truthfitness.co.uk/Why This MattersIf you're a founder or operator, your health is your leverage.A bigger house, nicer car, or faster software means nothing if chronic fatigue or preventable illness takes you out of the game.Strong leaders build routines around sleep, nutrition, movement, and recovery—not around convenience.Design for the long arc:Simple habits. Real food. Human coaching. Consistency over optimization.That's what keeps you productive at 45… and still mobile at 70.Call to ActionIf this conversation lit something up for you, don't just let it fade. Come join me inside the Second Life Leader community on Skool. That's where I share the frameworks, field reports, and real stories of reinvention that don't make it into the podcast. You'll connect with other professionals who are actively rebuilding and leading with clarity. The link is in the show notes—step inside and start building your Second Life today.https://secondlifeleader.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.com

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Analytic Dreamz dives deep into the 15-year reign of “Telephone” – the 2010 cultural juggernaut from The Fame Monster that peaked #3 Hot 100, #1 UK, moved 4.88M global downloads, earned triple platinum UK status, and sits at 498M+ YouTube views while approaching 500M in 2025. From its Tarantino-inspired 9.5-minute video sequel to “Paparazzi,” Britney Spears' rejected demo, Glee sales spikes, Super Bowl surges, and 107M UK streams, Analytic Dreamz unpacks every stat and milestone.Now in 2025, Analytic Dreamz analyzes the explosive “Telephone II” teases: Gaga's Mayhem Ball Tour bee-emoji nods, “You've been a very bad girl” callbacks, Vanity Fair lie detector confirmations, and viral fan connections between Beyoncé's “Texas Hold 'Em” visuals and the original Pussy Wagon era. With both icons at career peaks – Beyoncé post-Act II and Gaga riding “Die With a Smile” momentum – Analytic Dreamz examines why Telephone II could be the biggest pop event of the decade. Real stats, real legacy, real anticipation.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsPrivacy & Opt-Out: https://redcircle.com/privacy

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Analytic Dreamz examines why Michael Bublé remains the global holiday monarch in 2025. His 2011 “It's Beginning to Look a Lot Like Christmas” dominates with 1.2B+ Spotify streams, 652M EAS, recurring Hot 100 peaks (#12 in 2024), and December surges up to 1900% on Connected TV. Analytic Dreamz breaks down the 6× Platinum Christmas album (19.2M EAS worldwide), seasonal vinyl spikes, 912% YouTube lifts, and how one track still generates 40% of its annual revenue from holiday ads and TV syncs.From headlining NBC's Christmas in Rockefeller Center alongside Laufey, Gwen Stefani, and Halle Bailey to the first-ever 24/7 Bublé Christmas Classics YouTube livestream with Warner Records, Analytic Dreamz delivers the full 2025 takeover stats, cultural dominance, and streaming data proving Bublé owns November–December like no artist before. Real numbers, real legacy.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsPrivacy & Opt-Out: https://redcircle.com/privacy

FREE Master Class: The Farm Marketing Fix Sign Up HERE You know how when you sit down to write your Black Friday email, you get all worried about leaving someone out? You want to reach your older customers AND your younger customers, those with kids and those without, AND that person who bought from you six months ago. So you do your best to include everyone! But nobody buys.

Most people make their hardest decisions using distorted data, unchecked assumptions, and emotions that feel real but rarely reflect reality. In this episode, Kevin and Alan break down why truth is the single most important variable in long-term success, and why avoiding it quietly destroys goals, relationships, and identity. You'll learn how inaccurate self-perception forms blind spots, how conditioning shapes your judgment without permission, and why honest feedback is a skill, not a feeling. If you've ever wondered why you keep repeating the same patterns, this conversation will give you the clarity you've been avoiding.Learn more about:Join our Next Level University Monthly Masterclass, "The Top 5 Fundamentals of Business You Must Understand to Be Successful Long-Term." One hour. Real principles. Lasting breakthroughshttps://us06web.zoom.us/meeting/register/tFWBZRzLQa6h0C6g1ysvZA#/registrationJoin our private Facebook community, “Next Level Nation,” to grow alongside people who are committed to improvement. - https://www.facebook.com/groups/459320958216700_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.

This Bible - focused, clinical psychologist is VERY DIRECT!"Pride and acceptance of extreme symptoms is not of God." It's important for you to know God's truth about this, if you've decided to bear the unbearable (endless stimming, screaming, and tantrums)....that's not the Biblical way to handle it...Did you know that God's word has a lot to say about your intense emotions and extreme symptoms?Did you know that you have a spiritual enemy that wants to steal, kill, and destroy your family (and your child's future) Did you know that many of the symptoms you're seeing in your child are spiritual in nature - and do you know what to do to stop them?Are you ready to set yourself free from spiritual attacks, procrastination, depression, and anxiety as you're navigating your child's autism recovery journey?This episode gives you a REAL spiritual and emotional strategy that NO ONE HAS EVER REVEALED TO YOU. Why you should listen: 

If you've ever felt like things in the saddle are either happening at 100km/h with you just hanging on, or your horse feels like the handbrake will not release no matter how you ask... This episode is for you! Today, we're diving into the uncomfortable truth that keeps so many riders stuck: not being willing to slow down in order to go faster later. We're stripping everything back to the foundational communication between you and your horse, the mindset of forwardness, and rebuilding from the beginning in a way that actually works. Whether your horse feels like a rocket with a mind of its own… Or like they need a push and a prayer just to enter the arena; this episode will help you understand what's really going on, and what needs to happen next. In this episode, you'll learn: Why "forward" has nothing to do with speed and everything to do with mindset The biggest communication gap that causes both rushing and slugging How groundwork becomes the key to changing your horse's willingness under saddle Why walk–halt transitions are the most underrated power tool in your riding How to know when you're ready to move on to trot and finally canter The 12-week framework that will rebuild responsiveness, confidence and connection You don't need a different horse, you don't need to ride more. You just need to start at the beginning again, with the basics done correctly this time. Let's dig in… https://stridesforsuccess.com/episode1386-what-youre-not-willing-to-do-in-order-to-improve-your-riding/ Connection Your next step if you're serious about creating actual progress in your training, without needing to ride more or change horses! Inside Connection, we're currently working through the Half Halt: first on the lunge, now in the saddle, and December is where everything clicks into place. ✔️ For riders working without a regular coach ✔️ Structured lessons + accountability so you stay consistent ✔️ A training rhythm that builds confidence, clarity & connection Join us for the December Half Halt Training

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“Jobs booming, prices rising, and the truth about affordability

Welcome to Episode 282 of Autism Parenting Secrets.Every parent wants transformation for their child. But it doesn't come from guesswork. Real change happens when the right support is identified and applied with precision.That's why I'm excited to welcome back Dr. Jerry Kartzinel. He last joined us in Episode 199, “Autism is Treatable.” Dr. Jerry is a trusted leader in functional medicine and pediatrics with decades of experience helping children on the spectrum.This conversation is about why doing less, but with focus, can work better than trying everything — and how targeted nutrition and supplements can bring results that may surprise you.If you've felt overwhelmed by too many options or stuck in trial-and-error, this conversation will bring clarity.The secret this week is…TARGETED Support Transforms You'll Discover:Why Less Can Be More With Targeted Support (7:49)How Parents Can Avoid Trial-And-Error Burnout (13:05)The First Steps Dr. Jerry Recommends For Families (19:36)Why Generic Protocols Rarely Deliver Transformation (25:15)A Story Of Transformation Through Precision Support (32:54)How Coaching Helps Parents Maximize Practitioner Guidance (39:04)About Our Guest:Dr. Jerry Kartzinel is a Board-Certified pediatrician and a Fellow in the American Academy of Pediatrics who specializes in the recovery of neurodevelopmental, chronic neuro-inflammatory diseases, and hormonal dysfunctions. He is the author of the best-selling book Healing and Preventing Autism (co-authored with Jenny McCarthy). Dr. Jerry has helped thousands of children on the autism spectrum through targeted, individualized medical care. https://drjerryk.com/https://www.mendingnaturally.com/References In This Episode:APS Episode 199 “Autism IS Treatable” w/ Dr. Jerry Kartzinel Additional Resources:To learn more about personalized 1:1 support, go to www.elevatehowyounavigate.comTake The Quiz: What's YOUR Top Autism Parenting Blindspot? If you enjoyed this episode, share it with your friends.

Do you rotate between 14 water bottles, 9 abandoned hobbies, and a million tabs open—in your brain and your browser? Same. And no, you're not lazy… you might just have ADHD. This episode dives into the misunderstood world of ADHD in women with ADHD coach and author Meredith Carder. We're talking late diagnoses, why your anxiety meds might not actually be helping, and the emotional exhaustion that comes from masking your symptoms and trying to be everything to everyone. If you've ever felt like a “hot-mess express” running on caffeine and chaos... buckle up.  You're about to feel seen. Resources We Shared: Learn all about Meredith here Want to keep the convo going? Come hang out with us in the FREE No Guilt Mom Podcast Community. Real talk, support, and zero mom guilt. Visit No Guilt Mom Follow us on Instagram! Explore our No Guilt Mom Amazon Shop filled with juicy parenting reads and guest favorites!  Rate & Review the No Guilt Mom Podcast on Apple here. We'd love to hear your thoughts on the podcast! Listen on Spotify? You can rate us there too! Love the show? Show it some love back by checking out our ah-maz-ing sponsors who help keep it all going, right here! Access the full episode transcript HERE Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome to the What's Next! Podcast with Tiffani Bova.    I'm excited to welcome Richard Fain to the show this week. He served as Royal Caribbean Group CEO for over three decades, leading its transformation from a small Norwegian company with three ships that held just over 700 passengers each into one of the world's largest and most profitable cruise lines with over 60 ships, including Icon of the Seas, the world's largest that carries 7,600 passengers and costs $2 billion to build. He is here to talk about his amazing book, Delivering the Wow: Culture as Catalyst for Lasting Success.    THIS EPISODE IS PERFECT FOR…anyone leading teams or organizations who wants to understand how culture drives lasting success.    TODAY'S MAIN MESSAGE…culture isn't about slogans on the wall, it's about the daily choices that shape how people feel about their work. In this episode, Richard Fain shares how he built a company culture that transformed cruising into an unforgettable experience for both guests and employees. From connecting employee bonuses to engagement metrics to turning feedback into a continuous improvement engine, Richard's insights show how culture can truly become your greatest competitive advantage.   KEY TAKEAWAYS: You don't inherit a great culture; you create it by reinforcing the right behaviors every day. When people care about their work, they perform better—and that passion becomes contagious. Real-time insights from customers and employees turn good companies into great ones.   WHAT I LOVE MOST…Richard's reminder that culture is self-sustaining when people genuinely care. You can't mandate engagement. It grows naturally when individuals see their impact, feel heard, and take pride in creating "wow" moments for others.   Running Time: 31:30   Subscribe on iTunes     Find Tiffani Online: LinkedIn Facebook X    Find Richard Online: LinkedIn   Richard's Book: Delivering the Wow: Culture as Catalyst for Lasting Success

Do you carry the weight of the world in your shoulders? Tension, tightness, poor posture, and pain in the upper body can ripple all the way down to your core and pelvic floor. In today's episode of Pelvic Floor, Core & More, we continue the Restore Your Joints series by focusing on the shoulder joint and upper body — and why restoring this area is CRUCIAL for full-body strength, stability, and pelvic floor support. You'll learn: How shoulder mobility and stability influence rib cage positioning and core function What fascial connections exist between the jaw, neck, thoracic spine, and pelvic floor (and why clenching = tension down below!) Signs your upper body might be overcompensating for deeper core instability How to begin restoring your shoulders with mobility, breathing, and gentle strength work Simple tools to unlock tension and realign your upper body for better posture, strength & support Whether you've had babies or not, if you spend your day hunched at a desk, driving, or wrangling kids — this episode is a must-listen.

Markets rise and fall—but not all cycles tell the same story. What do those ups and downs really mean for your investments?Scripture reminds us in Ecclesiastes 3:1, “To everything there is a season, a time for every purpose under heaven.” Just as God designed natural cycles—the sun, the tides, the seasons—financial markets also move through cycles. While less predictable, these patterns help us understand where we are in the investing journey and how to prepare wisely for what's ahead.According to Mark Biller, Executive Editor at Sound Mind Investing (SMI), the two most common market cycles are known as bull markets (when prices rise) and bear markets (when prices fall). But within those categories lie two distinct types of trends: cyclical and secular.Cyclical vs. Secular: What's the Difference?“The terms might sound fancy,” says Biller, “but they really describe short-term versus long-term cycles.”Cyclical markets are the short-term ups and downs—periods that might last a few months to a few years.Secular markets are the broader, long-term trends that can span decades—often between 10 and 40 years.Think of it like waves on the ocean. Cyclical markets are the smaller waves that move in and out, while secular markets are the larger tides that shape the shoreline over time.Learning from History: Market ExamplesFrom 1968 to 1982, the S&P 500 was essentially flat—a 15-year stretch where inflation eroded nearly 60% of investors' purchasing power. That's what economists call a secular bear market—a long-term period of little to no progress.Yet within that broader season, there were multiple shorter-term bull and bear cycles. Investors who recognized those patterns could navigate the market with more perspective and less panic.The same was true from 2000 to 2009, another decade of overall stagnation in U.S. stocks. “But even then,” Biller notes, “we saw two cyclical bear markets with a five-year bull market sandwiched between them.”The takeaway? Even in long-term downturns, some shorter-term opportunities and recoveries keep markets moving forward over time.Why It Matters—Especially for Bond InvestorsUnderstanding these cycles isn't just an academic exercise. “It's actually more helpful when it comes to bonds than stocks,” Biller explains.That's because bond markets move in much longer secular cycles. From 1982 to 2021, the U.S. enjoyed a 40-year secular bull market in bonds as interest rates steadily declined from 15% to near zero. But since 2020, that trend has reversed. “Interest rates have been rising again,” Biller says, “and that's led to negative returns for many bond investors over the last five years.”This shift could signal the beginning of a secular bear market for bonds—a long period in which rising interest rates make it harder for bonds to perform well.Rethinking the Classic 60/40 PortfolioFor decades, the “60/40” portfolio—60% stocks and 40% bonds—was the gold standard for balanced investing. But in today's environment, that mix may need to evolve.“At Sound Mind Investing (SMI), we've reduced our bond allocation to around 30%,” Biller explains. “We haven't abandoned bonds altogether, but we're diversifying beyond them.”That diversification includes strategies like:Dynamic asset allocation—adjusting investments as market conditions shiftGold and commodities—as hedges against inflationReal estate and energy stocks—for long-term growth potentialAlternative assets like Bitcoin (in small doses), to add further varietyBuilding a Portfolio That Endures Every SeasonWhether markets are bullish or bearish, cyclical or secular, the goal remains the same: build a portfolio that's resilient and rooted in wisdom.Biller's encouragement for long-term investors is simple:“We're not advocating for dramatic changes, but rather thoughtful diversification. The goal is to build portfolios you can stick with through every kind of market season.”That perspective echoes a deeper truth for believers: our ultimate security isn't found in market trends but in God's unchanging character. Markets may rise and fall, but His promises endure forever.Faith, Patience, and PerspectiveUnderstanding both short- and long-term market cycles helps us invest with patience, discipline, and faith—trusting that God is sovereign over every season, financial or otherwise.As Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”In every bull and bear market, we're called to plan wisely, give generously, and trust deeply—knowing that the One who holds the future also holds us.For more practical investing insights and biblical wisdom, visit SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I'm nearing retirement with no debt and some investment savings, but I don't have a pension. Would it make sense to use part of my investments to buy an annuity for guaranteed monthly income in addition to Social Security?I'm in my 70s, retired, and divorced, and much of my income goes toward alimony. How can I balance saving for emergencies while still giving more to the Lord's work, which I see as the greater reward?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Bulls and Bears, Cyclical and Secular (SMI Article by Mark Biller and Joseph Slife)SMI Dynamic Asset Allocation Model StrategyWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ben & Woods start the 8am hour by getting to some delayed Spiritual Mouthwash as we throw open the phone lines and encourage listeners to call in and share something positive happening in their life to bring us all some positive vibes during a rough offseason. Then we play a game of Real or Fake on a Throwback Thursday before the guys talk more about MLB's revenue sharing issues and what they would like to see happen in the future. Listen here!

When comfort complaints roll in, it's easy to assume mechanical failure. But the real culprit? Controls. In this episode, we walk through how to identify and fix the most common HVAC control failures, fast. If you're tasked with maintaining comfort and efficiency, you need a system to diagnose issues quickly and confidently. This episode gives you exactly that: a repeatable 30-minute troubleshooting process and real-world scenarios to sharpen your approach. Topics Covered A proven 30-minute HVAC troubleshooting framework How to spot sensor, actuator, and VAV box failures Diagnosing sequence and logic issues without being a programmer Common BAS network pitfalls and how to catch them Real-world examples of HVAC control problems in action Master the art of pinpointing control failures and reduce troubleshooting time without cutting corners.

This week Sam is joined by a VERY special guest... (if I do say so myself)... with Pete still in some unknown location, Producer Pippa is keeping his seat warm!Pippa gives us a behind the scenes POV on what it's really like working with the boys and some of their lesser known quirks...Sam reveals the REAL reason why he left Made in Chelsea, his biggest worry about how he's perceived, and we hear a little bit about his love life, what's new?!And the best part about Pete not being here? We can analyse Pete!—