Podcasts about Risk

Stella Mayerhoff and Rebecca Heron tell stories about the unbearable weight of truth.

Welcome back to Impact Theory with Tom Bilyeu. In today's episode, we dive deep into the seismic shifts shaking the global financial system, with a sharp focus on the recent silver price explosion and what it reveals about our economic future. Tom Bilyeu unpacks how China's grip on physical silver supply is upending decades of western investing habits — exposing the fragility of treating critical resources as mere digital assets on a screen. You'll hear why the old stable world order is unwinding, the risks facing the US dollar, and how legendary investors like Ray Dalio and Warren Buffett are preparing for a landscape ruled by physical assets, not paper promises. This episode isn't just about silver; it's about adapting your mindset and strategy to a new era where confidence in paper assets is fading, and owning what's real is more important than ever. If you want practical actions and big-picture analysis on surviving disruptive change, you won't want to miss what Tom Bilyeu shares today. Let's get started. Quince: Free shipping and 365-day returns at https://quince.com/impactpod HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Sintra AI: 72% off with code IMPACT at https://sintra.ai/impact Huel: High-Protein Starter Kit 20% off for new customers at https://huel.com/impact code impact Bevel Health: Visit https://bevel.health/impact and use code IMPACT to get your first month free. Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Pique: 20% off at https://piquelife.com/impact What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

#684: Most people search for the perfect portfolio — the one allocation that works in every market, at every age, for every goal. This interview starts by explaining why that portfolio does not exist. We talk with Cullen Roche, founder and chief investment officer of Discipline Funds, about why copying someone else's portfolio can backfire, and why portfolio design works better when it starts with your own constraints instead of rules of thumb. We walk through real portfolio models. The conversation begins with the classic 60-40 portfolio. You hear where it came from, how it held up during the Great Depression, and why it became so widely adopted. We also talk about its trade-offs — why it feels boring in strong markets and comforting in crashes, and how that emotional balance plays a role in investor behavior. Next, we shift to a Buffett-style portfolio. You hear why the takeaway is less about stock picking and more about structure. The discussion covers why Buffett keeps a small allocation to cash-like assets, how that “dry powder” functions during downturns, and why psychological stability matters as much as returns. The episode then turns to cash management. We talk about high-yield savings accounts, money market funds and Treasury bills. You hear how many cash products are built on T-bills, how banks capture part of the yield, and when managing cash directly may make sense. The concept of “T-bill and chill” comes up — along with when the extra effort may or may not be worth it. Finally, the conversation zooms out to time horizons. We discuss why income from a job functions like a bond allocation, how that changes risk capacity when you are younger, and why the early years of retirement carry the most danger. The episode closes by explaining sequence-of-returns risk and why portfolios need to work not just on paper, but in moments of fear. Resource: Cullin's website and newsletter: https://disciplinefunds.com Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro  (02:00) No perfect portfolio (03:34) 60-40 portfolio starts (06:38) 60-40 keeps calm (08:00) Buffett portfolio basics (12:11) Stocks vs cash fear (13:34) T-Bill and Chill (18:22) TreasuryDirect is clunky (23:42) Income as bond proxy (25:33) Bond tent buffer (29:12) Sequence risk explained (31:42) Early retirement mindset (32:36) COVID panic calls (42:49) Three-fund portfolio basics (58:41) Get-rich-quick trap (1:18:21) Risk parity and All-Weather Learn more about your ad choices. Visit podcastchoices.com/adchoices

SPONSORS: 1) MIRACLE BRAND: Upgrade your sleep with Miracle Made—go to https://trymiracle.com/julian and use code JULIAN to save over 40% and get a free 3-piece towel set. 2) AMENTARA: Go to https://www.amentara.com/go/JULIAN and use code JD22 for 22% off your first order. JOIN PATREON FOR EARLY UNCENSORED EPISODE RELEASES: https://www.patreon.com/JulianDorey (***TIMESTAMPS in description below) ~ Jesse Hamel is a former Air Force Lt. Colonel & AC-130 Gunship Combat Aviator. He is now CEO of Victus Technologies, a drone warfare company he founded while studying at MIT. JESSE's LINKS: X: https://x.com/jhMITgunship VICTUS: https://www.getvictus.ai/ FOLLOW JULIAN DOREY INSTAGRAM (Podcast): https://www.instagram.com/juliandoreypodcast/ INSTAGRAM (Personal): https://www.instagram.com/julianddorey/ X: https://twitter.com/julianddorey JULIAN YT CHANNELS - SUBSCRIBE to Julian Dorey Clips YT: https://www.youtube.com/@juliandoreyclips - SUBSCRIBE to Julian Dorey Daily YT: https://www.youtube.com/@JulianDoreyDaily - SUBSCRIBE to Best of JDP: https://www.youtube.com/@bestofJDP ****TIMESTAMPS**** 0:00 – Intro 01:22 – Jesse's Air Force Background, 9/11, AC-130 Gunship, Combat Years 12:35 – Warfighters & Technology, Drones vs Human Trust, The Agentic Age 23:56 – West Coast Tech Power, CCP Exploiting Open Systems, Planning for 6G 34:31 – 6G, Humans & Machines, AI, Bio-Hybrid Hellscape 48:33 – AI Arms Race: U.S. vs China, Nuclear War 59:25 – Zooming Out on Power, Governance Problems, 1984, Corruption, Term Limits 01:12:20 – Palantir, War Has Changed, Bringing Our Team Home 01:22:00 – Snowden, Moral Tradeoffs, Combat, Mission Planning, Risk of Inaction 01:31:41 – Founders & Stress, Military, Resilience, Suffering, Slaying the Daily Dragon 01:41:45 – Turning Suffering Into Growth, Anxiety, CNS Limits, Breaking Bad Habits 01:57:03 – Mortality, Meaning, Being vs Doing, The Arc of Change 02:06:38 – AC-130 Squadrons, Dawn of Drone Warfare, Afghanistan, MQ-9 Integration 02:16:54 – Predators & Reapers, Psychological Cost of Killing, First Kill 02:27:21 – Moral Injury, The Charring of the Conscience, Faith, Kierkegaard, Purity of Heart 02:37:08 – Never Arriving at the Truth, Lifelong Learning 02:40:18 – Next Ep CREDITS: - Host, Editor & Producer: Julian Dorey - COO, Producer & Editor: Alessi Allaman - https://www.youtube.com/@UCyLKzv5fKxGmVQg3cMJJzyQ - In-Studio Producer: Joey Deef - https://www.instagram.com/joeydeef/ Julian Dorey Podcast Episode 377 - Jesse Hamel Music by Artlist.io Learn more about your ad choices. Visit podcastchoices.com/adchoices

Supply chain security remains one of the biggest time sinks for appsec teams and developers, even making it onto the latest iteration of the OWASP Top 10 list. Paul Davis joins us to talk about strategies to proactively defend your environment from the different types of attacks that target supply chains and package dependencies. We also discuss how to gain some of the time back by being smarter about how to manage packages and even where the responsibility for managing the security of packages should be. Visit https://www.securityweekly.com/asw for all the latest episodes! Show Notes: https://securityweekly.com/asw-367

In this episode of The Consummate Athlete Podcast, Peter and Molly discuss a recent study performed by researchers at Harvard T.H. Chan School of Public Health that associates the variety of movement done with a reduced risk of premature death, even at lower volumes of exercise.  Implications for athletes and for play! How varied strength training might help The 4'cs for Consummate Athlete Adding more variety to indoor trainer workouts  Thinking beyond organized sport to movements 

Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience. For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure. But what if the real risk isn't running out of money — it's not using it well? In this episode of Retire Today, I'm joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for. As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan. The Problem With “Safe” Withdrawal Rates Most retirement spending research focuses on one outcome: not running out of money. Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about. After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more. That insight flips traditional planning on its head. Instead of asking, “What's the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?” Why Retirement Spending Isn't Constant One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn't work that way. Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts. As Stefan noted, “This idea of constant spending never exists in the real world.” Any retirement spending plan that assumes otherwise is solving the wrong problem. A Salary-and-Bonus Approach to Retirement Stefan's research introduces a different framework — one that mirrors how people actually lived during their working years. He described a model where retirees create: A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities) A variable ‘bonus' income driven by long-term stock performance “You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.” In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure. Rethinking Risk Tolerance Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently. “Risk tolerance should be about how much variability in income you're comfortable with,” he said, “not just what percentage of stocks and bonds you hold.” Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules. Why This Matters Many retirees say the 4% rule “doesn't work for them” — not because it's unsafe, but because it doesn't generate enough income to support the life they want. Stefan's research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control. The goal isn't to maximize your ending balance. It's to maximize your retirement experience. Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals.  Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel Stefan Sharkansky on LinkedIn TheBestThird.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews seasoned real estate investor Jay Elggren. Jay shares his extensive journey in real estate, starting from wholesaling to managing large-scale projects and building his own fund. He discusses the challenges faced in the industry, innovative solutions for common landlord headaches, and his preference for providing exceptional guest experiences in short-term rentals. Jay also emphasizes the importance of networking and finding the right partnerships for new investors looking to enter the real estate market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Aviation legend, educator, instructor, and author Dr. Paul Craig joins the gang to discuss the highly anticipated third edition of The Killing Zone - the book that's basically scripture for midlife pilots everywhere.With new publisher ASA, Paul's back with fresh data from 12,406 general aviation accidents proving that yes, the 50-350 hour zone still has significantly higher accident rates.We dive deep into his data-driven approach to accident analysis, explore how technology is creating pilot-induced distractions like GoPro fiddling and selfie-taking, and discover why mental health conversations have finally evolved beyond just "pilot stress." Paul explains how HIMS AMEs are changing the game for pilots needing help, and why scenario-based training beats practicing basketball fundamentals all day.Whether you're climbing Mount Stupid or think you've conquered it, Paul reminds us that every flight is different and deserves your full attention. Plus, hear his scariest moment involving recruiting football players, hydraulic failure, and emergency gear extension that sounded like the airplane was coming apart.Featuring abnormal contact with the ground, the Wednesday before Thanksgiving accident curse, and why Paul never tells ATC how an approach will terminate.Mentioned on the show:* ASA, The Killing Zone third edition: https://asa2fly.com/the-killing-zone-softcover/* Wingnuts Aviation, M91 Springfield Tenn: https://wingnutsaviation.net/* About ASA: https://asa2fly.com/about-us/* The Vegas Bravo Buster on VASAviation: https://www.youtube.com/watch?v=mUSUXnr4dSo* New York Times Presents 'Lie to Fly': https://www.nytimes.com/2024/08/23/NYT-Presents/lie-to-fly-joseph-emerson-pilot.html* AOPA, Mike Busch, Quantifying Maintenance Risk: https://www.aopa.org/news-and-media/all-news/2025/november/pilot/savvy-maintenance-opinion-quantifying-maintenance-risk* Scarpazza, Quantifying the Risk of Accidents and Serious Incidents Due to Maintenance in General Aviation: https://www.savvyaviation.com/wp-content/uploads/2025/11/Risks-of-maintenance-to-GA.pdf* Paul Craig, Flight Times: https://www.amazon.com/dp/1685642306Visit www.midlifepilotpodcast.com to support the show, get merch, and download the free 23 page PDF "The Ultimate Guide to Becoming a Midlife Pilot".

View the Show Notes Page for This Episode Become a Member to Receive Exclusive Content Sign Up to Receive Peter's Weekly Newsletter Lisa Mosconi is a world-renowned neuroscientist and the director of the Women's Brain Initiative at Weill Cornell Medicine, where she studies how sex differences and hormonal transitions influence brain aging and Alzheimer's disease risk. In this episode, Lisa explores why Alzheimer's disease disproportionately affects women and why longer lifespan alone does not explain their nearly twofold risk compared to men. She explains why Alzheimer's disease may be best understood as a midlife disease for women, beginning decades before symptoms appear, and how menopause represents a fundamental brain event that reshapes brain energy use, structure, and immune signaling. The conversation also examines what advanced brain imaging reveals about preclinical Alzheimer's disease, estrogen receptors in the brain, and why genetic risks such as APOE4 appear to affect women differently from men. Finally, Lisa discusses the nuanced evidence around menopause hormone therapy, the legacy of the WHI, her new CARE Initiative to cut women's Alzheimer's risk in half by 2050, and practical, evidence-based strategies to support brain health through midlife—including lifestyle, sleep, metabolism, mood, and emerging therapies such as GLP-1 agonists and SERMs (selective estrogen receptor modulators). We discuss: How Lisa's personal family history and scientific background led her to focus on the intersection of women's health, brain aging, and Alzheimer's disease (AD) [2:45]; The long preclinical phase of AD and the emotional burden carried by patients before dementia becomes severe [7:15]; How AD compares to other common forms of dementia: prevalence, pathology, symptoms, diagnostic challenges, and more [10:45]; Why AD disproportionately affects women: how AD is not simply a disease of old age or longevity but a midlife disease in which women develop pathology earlier [16:15]; Menopause as a leading explanation for women's increased Alzheimer's risk, and how advanced braining imaging can detect early changes in the brain [26:15]; How a new method for imaging estrogen receptors in the brain is changing how we think about the menopause transition [35:45]; What estrogen receptor imaging can and cannot tell us about hormone therapy's potential impact on brain health [48:45]; Lisa's studies on the relationship between levels of systemic estrogen and density of estrogen receptors in the brain [58:00]; Why blood estrogen levels poorly reflect brain estrogen signaling, and how tightly regulated brain hormone dynamics complicate our understanding of menstrual-cycle and lifestyle effects [1:02:15]; The CARE Initiative: Lisa's research program looking to slash AD rates in women [1:07:45]; The dramatic difference in AD risk between men and women associated with APOE4 [1:10:45]; What the evidence suggests about menopausal hormone therapy (MHT) and AD risk, and why timing, formulation, and uterine status appear to matter [1:12:00]; How the CARE initiative plans to study MHT and AD risk, within the practical constraints of a three-year research window [1:17:30]; How to think about starting hormone therapy during perimenopause: balancing symptom relief, hormonal variability, and individualized care [1:21:00]; Investigating selective estrogen receptor modulators (SERMs) as a targeted approach to brain health during and after menopause [1:25:00]; Why estrogen became wrongly associated with cancer risk and what the evidence actually shows [1:29:30]; Why better biomarkers are central to advancing women's Alzheimer's research [1:38:30]; Modifiable risk factors for dementia, the limitations of risk models, and questionable conclusions drawn from observational data [1:44:15]; GLP-1 agonists and brain health: exploring potential neuroprotective effects of GLP-1 agonists beyond metabolic benefits [1:49:00]; The importance of lifestyle factors in reducing risk of dementia: practical strategies for women to support brain health [1:53:45]; Why long-term, consistent lifestyle habits are essential for building cognitive resilience and protecting brain health over decades [2:01:15]; and More. Connect With Peter on Twitter, Instagram, Facebook and YouTube

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

In this powerful Graham Sessions sit-down, first-time attendee Alex Bendersky, PT, MBA, gets real about risk, readiness, and the trillion-dollar opportunity in MSK care. From surviving the Medicare cap crash of 2002 to forecasting the next existential threats to PT, Alex challenges the profession to evolve beyond survival.We dig into:What resilience actually looks like for private practiceWhy waiting for change is a losing strategyHow to capture untouched markets in MSKWhat you're doing wrong with risk-based careThe trillion-dollar pie that's still on the table????Live from APTA Private Practice Graham Sessions

Comfort feels safe, until one day you realize it was the riskiest place to be.Are you stuck in a routine, saying yes to what's familiar while your confidence and excitement slips away? You feel like your career or business is just going through the motions. You are falling into the hidden trap of comfort.It happens slowly….like snow building up flake by flake, until suddenly, you see how much you've settled. The cost is high: lost opportunities, faded passion, and shrinking influence. But you can break free and reignite that spark by embracing discomfort and taking action.Here's what you'll learn:How comfort can quietly drain your growth. Learn how to spot it before it takes over your life, career, or businessWays to identify if your current environment is holding you back, so you can choose circles that fuel your biggest goalsHow to push past your "identity lag," so you don't downsize your dreams to fit inSigns that your voice is shrinking and how to reclaim it, so you ask better questions, contribute, and get noticedSimple ways to step outside your comfort zone regularly, so new opportunities start coming your wayStop mistaking comfort for security! Shake things up and discover what you're really capable of.Links and resources mentioned in this episode:If you're looking for support to grow your personal brand and communicate with confidence schedule a call to explore options to work together.Listen to the Public Speaking Monetization podcast on Apple or SpotifyNewsletter: https://speakandstandout.com/bid-newsletterInstagram: @laurieann.murabitoLinkedIN: https://www.linkedin.com/in/laurie-ann-murabitoClick and read more into over on my website.

Show Notes: Jason Baumgarten is a partner at Spencer Stuart where he is also the global head and CEO of board practice. He assists businesses in all sectors to identify and evaluate CEOs who motivate senior leadership teams to reach their full potential. Additionally, he assists boards with CEO succession planning, director recruitment, and identifying future leaders.  How to Join a For-profit Board Jason talks about the range of roles on a board and the specific roles a board might be looking to fill. He explains that the specificity of board roles varies based on the scale and maturity of the organization, using a real example of a board search he is currently involved in. Jason discusses how sophisticated boards often have specific requirements for board members, such as industry experience, geographic expertise, and specific skill sets. Identifying and Defining Board Roles When asked about the various categories of board roles, such as finance, data analytics, and HR, Jason explains that the most common request is for recently or actively retired CEOs, followed by CFOs with specific finance experience. He  highlights the importance of understanding the nature and type of business the company is in, such as regulated industries, capital-light businesses, or capital-heavy businesses. Board Member Etiquette Jason outlines the main drivers for wanting to be on a board: prestige and the desire to be helpful. He explains the concept of "noses in, fingers out" in governance, emphasizing the importance of board members being helpful but not overly involved. He also discusses the range of compensation for board members, from stipends to significant annual fees, and advises against depending on board compensation as a primary source of income.  He stresses the importance of being willing to fire oneself from a board to provide objective advice to the CEO. The Reality of Joining a Board for Management Consultants Jason advises not to limit aspirations and suggests using a simple litmus test: "if the company wouldn't hire you as a top executive, they probably won't consider you for a board role." He explains the importance of nonprofit boards, both fundraising and operating boards, and how they can provide valuable experience and networking opportunities. Jason discusses the potential for board roles in small private companies, large private companies, and public companies, emphasizing the importance of regional connections and unique experiences. The Role of Executive Search Firms in Board Recruitment Jason explains that search firms are often involved in board searches for public or pre-IPO companies and large private equity firms. He advises building relationships with search firms and being responsive and helpful when they reach out for market intelligence or advisory work. Jason also shares the importance of having a network of firms that work in your industry or location and how advisory work can lead to board opportunities. How Boards Vet Prospective Members The conversation turns to the process of being vetted and evaluated for a board role, including interviews, background checks, and social media history. Jason explains that some  boards generally recruit with a lighter touch than other roles, but private equity and regulated boards may conduct more thorough diligence. He advises candidates to ask about the board's process, including the last board member hired and the steps involved in the recruitment process. He also emphasizes the importance of meeting all board members and ensuring a good fit in terms of personality and interests. The Commitment Reality of Being on the Board Jason talks about the typical time commitment for board members, including meetings, committee calls, and ad hoc time with the CEO. He explains the importance of understanding the size of board decks and the amount of preparation required for each meeting. Jason also advises candidates to be patient and persistent, as the process of getting on a board can take years and is often unpredictable. Identifying Risks to Board Members When asked about the risks involved in accepting a board position and the importance of D&O insurance, Jason recommends consulting with a D&O insurance broker to understand the market and ensure appropriate coverage. He advises candidates to be aware of any litigation or regulatory risks associated with the board and to seek legal advice if necessary. Jason also emphasizes the importance of understanding the board's D&O policy and ensuring that board members are covered appropriately. Final Thoughts and Advice Jason reiterates the importance of understanding the time commitment and potential disruptions that can arise. He advises candidates to be patient and persistent, as the process of getting on a board can take years. Jason shares a story about a former CISO who became a sought-after board member, illustrating the unpredictability of the process and the importance of perseverance. Timestamps: 02:18: Types of Board Roles and Common Requests 05:29: Benefits of Being on a Board  08:08: Levels of Boards and Aspirations  15:24: Search Firms and Board Recruitment Processes  32:38: The Board Recruitment Process 39:41: Time Commitment and Potential Disruptions  42:50: Risk and Insurance Considerations  47:16: Final Thoughts and Advice  Links: Website: getscalar.ai   This episode on Umbrex: https://umbrex.com/unleashed/episode-632-jason-baumgarten-how-to-position-yourself-for-board-roles/ Unleashed is produced by Umbrex, which has a mission of connecting independent management consultants with one another, creating opportunities for members to meet, build relationships, and share lessons learned. Learn more at www.umbrex.com. *AI generated timestamps and show notes.  

Andrew, Ben, and Tom discuss rising shutdown risk, durable goods data, and the dollar's recent weakness rumors.Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

Welcome back to #WithSONAR! This week, we're shifting to Critical Events and showing how you can track real-time weather disruptions directly within SONAR—while you're already analyzing rates and market conditions. In this session, we'll walk through SONAR's weather intelligence tools, powered by our partnerships with WeatherOptics and Everstream, and how they help you proactively manage risk during severe weather events. You'll learn how to: Access Critical Events under the Risk Management section in SONAR Monitor real-time and forecasted weather disruptions across the U.S. and globally Identify high-impact areas affecting facilities, shipments, and capacity View storms, cyclones, wildfires, earthquakes, and other disruptive events Use radar, traffic, hyperlocal weather, and impact indices to support operational decisions Validate delays, communicate proactively with customers and carriers, and plan ahead Both WeatherOptics and Everstream are included with your SONAR subscription, giving you the tools to stay ahead of disruptions and protect service during volatile conditions.

Whether you're curious about your rights or the risks that come with carving out exceptions for police actions, this episode is packed with insights on why these lines matter and how the legal landscape is always evolving.Welcome back to Lawyer Talk! Host Steve Palmer gets into the tug-of-war between individual rights and police authority, exploring what the government can and can't do when it comes to entering your home.Using a recent U.S. Supreme Court case, Case v. Montana, as a springboard, Steve Palmer walks us through the facts—an emergency police entry and its Fourth Amendment implications—including how courts have wrestled with exceptions like the "caretaker doctrine" and "exigent circumstances."Ever wondered what really protects you from warrantless searches, or how emergencies play out in real life versus the courtroom? This conversation blends real-world scenarios, legal precedent, and the philosophical debates that underlie our constitutional protections.Moments03:39 "Emergency Aid Standard Established"07:29 Balancing Safety and Legal Boundaries09:49 "Nuanced Support for Police"14:00 "Inventory Searches and Legal Limits"15:45 "Legal Dilemma: Dual Intent"Key Takeaways:Emergency Exceptions Are Expanding: The Supreme Court now upholds police entry into homes without warrants if there's an “objectively reasonable” basis to believe someone inside needs emergency assistance. This broadens what counts as exigent circumstances under the Fourth Amendment.The Risk of Abuse: Steve Palmer highlights real concerns about this ruling opening the door for potential misuse, with police possibly leveraging emergency exceptions to search without proper cause.Balancing Safety and Rights: While saving lives is critical, it's equally necessary to monitor police activity and ensure constitutional rights are protected. The ongoing evolution of these legal standards means scrutiny and debate are more important than ever.Got a question you want answered on the podcast? Call 614-859-2119 and leave us a voicemail. Steve will answer your question on the next podcast!Submit your questions to www.lawyertalkpodcast.com.Recorded at Channel 511.Stephen E. Palmer, Esq. has been practicing criminal defense almost exclusively since 1995. He has represented people in federal, state, and local courts in Ohio and elsewhere.Though he focuses on all areas of criminal defense, he particularly enjoys complex cases in state and federal courts.He has unique experience handling and assembling top defense teams of attorneys and experts in cases involving allegations of child abuse (false sexual allegations, false physical abuse allegations), complex scientific cases involving allegations of DUI and vehicular homicide cases with blood alcohol tests, and any other criminal cases that demand jury trial experience.Steve has unique experience handling numerous high-publicity cases that have garnered national attention.For more information about Steve and his law firm, visit Palmer Legal Defense. Copyright 2026 Stephen E. Palmer - Attorney At LawMentioned in this episode:Circle 270 Media Podcast...

Can a ketogenic diet affect cardiovascular risk? Do nuts belong in a low-carb diet? What about ice cream, supplements, and electrolytes?In this episode of Metabolic Mailbag, Dr. Bret Scher tackles some of the most common and misunderstood questions about ketogenic therapy for metabolic and mental health. From concerns about LDL cholesterol to fears of liver and kidney damage, this conversation cuts through the noise with nuance, evidence, and practical guidance.This episode covers:LDL cholesterol spikes on a ketogenic diet: what's normal, what's not, and how to think beyond one lab numberStatins vs. individualized risk assessment (imaging, metabolic markers, trends over time)How nuts fit into a ketogenic diet and when they become a problemKetogenic diets and liver/kidney health: what human data actually shows“Good keto” vs. “bad keto” and the role of whole foodsSupplements, electrolytes, and when they're truly neededSnacking, sweeteners, keto desserts, and staying in ketosisWhether you're just starting a ketogenic diet or fine-tuning it for long-term metabolic or mental health, this episode offers clarity where confusion is common. By unpacking real-world questions with a clinical lens, Dr. Scher empowers you to think critically, personalize your approach, and make decisions rooted in human evidence—not fear or headlines.Do you have more questions? Check out our other Mailbag Q&A episodes with Dr. Bret Scher and Dr. Georgia Ede:Episode 1: https://youtu.be/PDgM-SD3Fx4Episode 2: https://youtu.be/3m6Fm0nXaMQEpisode 3: https://youtu.be/UgaaYl6RPbsEpisode 4: https://youtu.be/roMq4YU58rcEpisode 5: https://youtu.be/_eSVU5_P7YsEpisode 6: https://youtu.be/TcfGZ3m-lzE

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Imagine waking up to find your bank account frozen, your savings seized. It's not a dystopian fantasy. It's a legal reality under the name of bank bail-ins — and it's already on the books in the United States. The public is being lulled into a false sense of security, but the red flags are everywhere. Questions on Protecting Your Wealth with Gold & Silver? Schedule a Strategy Call Here ➡️ https://calendly.com/itmtrading/podcastor Call 866-349-3310

In this episode, Sarah talks about how AI is reshaping the UX landscape and why three key skills are more important than ever for professionals looking to stand out in the evolving job market.Despite the rise of AI tools, it's not about being replaced—it's about evolving your mindset and skills to stay relevant. In this episode, Sarah explains why UX professionals need to stop thinking like "doers" and start thinking like "drivers." You'll also hear why the critical skills of speed, quality thinking, and impact are necessary to stay valuable in your career.This episode is for anyone feeling uncertain about how AI fits into your skillset or wondering how to stay relevant in an AI-powered UX job market.What You'll Learn in This Episode:✔️ Why shifting from being a “doer” to a “driver” is essential for staying valuable in UX✔️ The 3 most important skills for UX professionals in the age of AI: speed, quality thinking, and impact✔️ How to leverage speed without sacrificing quality in your UX work✔️ Why quality thinking (and not relying on AI) is crucial to uncovering nuances and insights✔️ How to make sure your work has true impact—going beyond just delivering information✔️ The danger of de-skilling and how to stay sharp while using AI as a toolTimestamps:00:00 Introduction: The Future of UX Jobs in the Age of AI00:39 Meet Sarah Doody: Your UX Career Guide01:19 The Value of Strategic Thinking Over Task Execution02:05 Three Critical Skills for UX Professionals05:39 Skill 1: Speed with Strategy09:42 Skill 2: Quality Thinking14:52 Skill 3: Impact and Influence19:44 The Risk of De-Skilling in the Age of AI24:50 Conclusion: Be a Driver, Not a Doer25:54 Call to Action: Support the Podcast

Is Bitcoin ready for the quantum threat? Join Charlie Spears as he explores technical solutions like BIP 360 and OP_CAT. We dive into the massive trade-offs of quantum-resistant signatures and the logistical nightmare of migrating millions of addresses to keep the network secure. Subscribe to the Blockspace newsletter! Tackling the technical battle to protect Bitcoin from quantum computers. We explore why quantum-resistant signatures are up to 100x larger than current ones and the impact this has on block space and fees. From lattice-based math to STARK-based compression, Charlie breaks down the leading proposals like BIP 360 and BIP 347. We also calculate the "migration" timeline—how long it would actually take to move every Bitcoin to a safe address before "Q-Day" arrives. Subscribe to the newsletter! [https://newsletter.blockspacemedia.com](https://newsletter.blockspacemedia.com) Notes: * Quantum signatures can reach 17,000 bytes (500x!) * Optimized hash signatures are 50x larger. * Full BTC migration takes 76 to 142 days. * There are 190 million unspent BTC outputs. Timestamps: 00:00 Start 05:31 Hash based signatures 08:17 Adoption 12:17 Bitcoin uniquely exposed 14:38 Proposals 17:39 Going forward

KSS POD Love, Money & Risk_ Should You Invest in Your Partner

Do you find yourself setting money aside, only to watch those savings disappear when unexpected expenses arise? This cycle is common when traditional savings tools lack flexibility and protection. By leveraging uninterrupted financial growth through properly structured whole life insurance, your money can continue to compound predictably—even when life happens. In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks, Esq. break down why traditional investment vehicles—stocks, real estate, mutual funds, and Wall Street–based portfolios—often fall short of delivering true long-term security, liquidity, and control and how properly structured whole life insurance–based private banking strategies offer a more reliable alternative, delivering guaranteed growth, tax-advantaged cash flow, uninterrupted compounding, and contractual certainty. Vance and Seth discuss: Introduction: Rethinking traditional wealth-building strategies Predictable compounding growth vs. traditional investments (why certainty wins long term) How to create uninterrupted compound interest outside of Wall Street The truth about 401(k)s: why the creator no longer supports them for retirement Life insurance as a long-term wealth strategy vs. stocks and real estate Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/ 

Scott Galloway shares his take on the new NYC mayor and what Democrats can learn from the early policy agenda. He also explains how employees should think about “key person risk” when working for founder-led companies, and reflects candidly on the pros and cons of sending a child to boarding school — including what he got wrong as a parent. Want to be featured in a future episode? Send a voice recording to officehours@profgmedia.com, or drop your question in the r/ScottGalloway subreddit. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Eating five or more servings of ultraprocessed foods (UPFs) a day nearly doubles your risk of developing Crohn's disease Additives like emulsifiers, thickeners, and artificial sweeteners found in ultraprocessed foods break down the gut's protective mucus barrier and fuel chronic inflammation High intake of UPFs is linked to changes in gut bacteria that reduce diversity and promote the growth of harmful strains associated with inflammatory bowel disease (IBD) flare-ups Common UPFs like white bread, frozen meals, sauces, and breakfast cereals show the strongest links to increased Crohn's risk Removing seed oils, emulsifiers, and UPF-heavy meals while focusing on gut-repairing whole foods can help reduce flare frequency and support long-term healing

SPONSORS: 1) GHOST BED: Get an extra 10% off already-great prices at https://GhostBed.com/julian with promo code JULIAN. JOIN PATREON FOR EARLY UNCENSORED EPISODE RELEASES: https://www.patreon.com/JulianDorey (***TIMESTAMPS in description below) ~ Ryan Niddel is the CEO of Diversified Botanics. He is a egalized dr*g market expert who has spoken out about the 7-OH opioid problem in America. RYAN's LINKS: X: https://x.com/Ryan_Niddel IG: https://www.instagram.com/thegenxgentleman/ COMPANY: https://diversifiedbotanics.com/ FOLLOW JULIAN DOREY INSTAGRAM (Podcast): https://www.instagram.com/juliandoreypodcast/ INSTAGRAM (Personal): https://www.instagram.com/julianddorey/ X: https://twitter.com/julianddorey JULIAN YT CHANNELS - SUBSCRIBE to Julian Dorey Clips YT: https://www.youtube.com/@juliandoreyclips - SUBSCRIBE to Julian Dorey Daily YT: https://www.youtube.com/@JulianDoreyDaily - SUBSCRIBE to Best of JDP: https://www.youtube.com/@bestofJDP ****TIMESTAMPS**** 0:00 – Intro 1:34 – Rocco Vargas, Ryan's Background, Diversified Botanics, Kratom, FDA, Safety Issues 13:29 – FDA “Safety” Process, DEA Scheduling Threat, $1M Product Destruction, "Wild West" 23:55 – Post-DEA Future, System Failures, FDA Barriers, LLM + Blockchain Solutions 34:01 – Supplement Industry Problems, Untested Products, Market Cycles, Post-COVID Dynamics 45:00 – Why Kratom Isn't an Opioid Replacement 55:48 – 7-OH Potency, Addiction Risk, Bioavailability, Kratom vs 7-OH Confusion 01:05:16 – Trade Shows, Smoke Shops, Mass Market Access, FDA Classification Issues 01:14:42 – Ethics, FDA Failures, Regulation Gaps, Lawsuits, Bioavailability Interactions 01:25:06 – Blockchain Validation, Transparency, COA Verification 01:39:08 – Ledger Systems, Simulation Theory 01:45:34 – 7-OH Regulation Debate, Prohibition vs Control, Opium Epidemic Parallels 01:52:57 – Potency Arms Race, Best Friend's Overdose 02:01:38 – Addiction Crisis, FDA/HHS, RFK Talks, Cartel Surveillance 02:10:14 – CCP, Cartels, Russians, Money Laundering Networks 02:21:34 – Corruption, Global Networks, Acceptance of Risk w/ Cartels & China 02:35:37 – Future Model, Research Studies, NSF Approval, Market Structure 02:47:52 – Ryan's Work CREDITS: - Host, Editor & Producer: Julian Dorey - COO, Producer & Editor: Alessi Allaman - https://www.youtube.com/@UCyLKzv5fKxGmVQg3cMJJzyQ - In-Studio Producer: Joey Deef - https://www.instagram.com/joeydeef/ Julian Dorey Podcast Episode 376 - Ryan Niddel Music by Artlist.io Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Power Producer Shoptalk, host David Carothers kicks off the new year with a deep dive into the shifting dynamics of the reinsurance market and what producers need to do to prepare for a softening market. He emphasizes that the "bad news" hard market—where price shopping is rampant—is giving way to a "good news" soft market, where incumbents are harder to displace. David also outlines his aggressive goal to write $1 million in new business revenue in 2026, promising to "show, not tell" by documenting every step of the process. The core of this episode focuses on the Total Cost of Risk (TCOR) sales conversation: how to have it, why it works best in the $100k-$250k premium space, and why getting a Letter of Engagement before going to market is non-negotiable for serious producers. Key Highlights: The Shift from Hard to Soft Market David discusses the recent reinsurance renewals and the early signs of a softening market. He warns producers that the strategies used during the hard market (competing on price when incumbents deliver bad news) will no longer work. In a soft market, incumbents deliver rate decreases, making it harder to get appointments. Now is the time to "sew your seeds" and pivot your messaging. The "Show, Don't Tell" 2026 Challenge David announces his personal goal to write $1 million in new business revenue in 2026. He commits to documenting the entire journey—prospecting, meetings, and closing—in real-time, shifting his content focus back to the trenches of Florida Risk Partners to prove that his methods work in today's environment. Mastering the Total Cost of Risk (TCOR) Conversation This episode is a masterclass on the TCOR sales process. David explains why he never goes to market without a signed Letter of Engagement on middle-market accounts. He breaks down the ideal premium sweet spot ($100k-$250k) where this conversation is most effective, noting that accounts in this range are often hearing about TCOR and broker selection for the first time. Qualifying the Decision Maker David shares a critical soft-skill tactic for identifying the true decision maker without offending your point of contact. Instead of bluntly asking "Are you the decision maker?", he suggests asking: "Is there anyone else who is typically part of the decision-making process that we should include in our next meeting?" This question preserves relationships while ensuring you aren't wasting time pitching to someone who can't sign the check. Stop "Quoting and Hoping" The episode challenges the traditional "quote and hope" strategy of waiting 90 days out to shop a renewal. David argues that this method commoditizes the producer. Instead, he advocates for a consultative approach that secures the client's commitment before doing the work, using a Letter of Engagement to validate the relationship and take control of the market. Connect with: David Carothers LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

Tara brings in a recovering meteorologist to explain why weather forecasts have felt so wrong lately — and why this storm is no joke. What looks like “just another winter system” could turn into widespread freezing rain, power outages, impassable roads, and dangerously cold temperatures — all across a massive region at once. This episode breaks down what's really happening in the atmosphere, why models struggle with winter storms, and why preparation right now matters more than ever.

Send us a textIs Jeff Hafley the best man for the job or should the Dolphins hire someone else, like Sean McDermottSupport the showSubscribe and like for more GTD content! Patreon: https://patreon.com/GoTimeDolphins YouTube: Go Time Dolphins Twitter: @GoTimeDolphins Instagram: @GoTimeDolphins Email: gotimedolphins@gmail.com TikTok: @GoTimeDolphins #MiamiDolphins #FinsUp #NFLDraft #NFLUK #TuaTagovailoa

@investopedia's Caleb Silver makes the case that markets are still very bullish. The issue comes down to headline risk ramping volatility higher, with the latest example seen in the resurgence of tariff talks and Greenland concerns. That said, Caleb points to high retail trading in Nvidia (NVDA) and memory chips like Western Digital (WDC) and SanDisk (SNDK) as signs that bulls aren't slowing down. He later explains how Tesla (TSLA) plays into the high-beta trade. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

In this episode, Rancho Mesa's Alyssa Burley and Account Executive Kevin Howard talk about PAGA claims and their risk to California businesses.Show Notes: Subscribe to Rancho Mesa's Newsletter⁠⁠⁠Director/Host: ⁠⁠⁠⁠Alyssa Burley⁠⁠⁠⁠Guest: ⁠⁠⁠⁠Kevin Howard⁠⁠⁠⁠Producer/Editor: ⁠⁠⁠Jadyn BrandtMusic: "Home" by JHS Pedals, “Breaking News Intro” by nem0production© Copyright 2025. Rancho Mesa Insurance Services, Inc. All rights reserved.

In this week's Fish Fry podcast, I chat with cybersecurity expert Cordell Robinson about cutting-edge AI solutions, Agentic AI, and the interplay of automation, regulation, and innovation within federal cybersecurity. I also explore new research suggesting the human brain may function far more like AI than previously understood.

The UN says nearly 35 million Nigerians, including three million severely malnourished children, face hunger this year as aid cuts and worsening violence deepen the crisis.

A Classic RISK! episode from our early years that first ran in October of 2013, when Janine Latus, Scott Whitney and Dan Telfer told stories about brushes with madness that left scars.

Former FBI Agent and Yale Professor Asha Rangappa joins Marc Elias to examine how Trump-era policies reshaped federal law enforcement, national security, and democratic norms, from ICE and the FBI to the Insurrection Act and military authority. They explain how contempt for legal constraints makes America less safe, why individuals now bear the burden of resistance, and what this moment means for the future of the rule of law. Chart: The Insurrection Act Explained https://bsky.app/profile/asharangappa.bsky.social/post/3mchv6f6wf22q The Freedom Academy with Asha Rangappa https://asharangappa.substack.com/ Support independent journalism: https://newsletters.democracydocket.com/member-youtube Stay informed with the latest news and political analysis: https://newsletters.democracydocket.com/youtube Follow Democracy Docket: Bluesky: https://bsky.app/profile/democracydocket.com Instagram⁠: https://instagram.com/democracydocket Facebook⁠: https://facebook.com/democracydocket X/Twitter⁠: https://twitter.com/DemocracyDocket TikTok⁠: https://tiktok.com/@democracydocket Threads: https://www.threads.net/@democracydocket Chapters: 00:00 Intro 00:45 Is ICE Really Law Enforcement? 03:11 The FBI, the DOJ, and Independence 04:14 Who Controls the Minneapolis Investigation? 06:20 ICE Culture and Public Confrontation 12:49 How Trump Is Making America Less Safe 15:51 An Administration Contemptuous of Law 20:03 All Opposition Is Disloyal 24:10 The Insurrection Act Explained 29:20 Can Troops Enforce Civil Law? 32:29 Teaching Law in Democratic Decline 36:29 Why Postwar Law No Longer Constrains Power 39:17 When Individuals Stand Up to Power 43:53 The Risk of Speaking Out Against Trump

Adam Outland, Action Catalyst host and President of Southwestern Consulting, examines the true superpower of curiosity and it's relationship to risk, both in the business realm, and on a personal level.Hear more from Adam in his appearance in the Action Catalyst Panel, "Scaling With Purpose".

Rebekah Lyons shares her powerful hope story of navigating a difficult childbirth and learning that her firstborn son had Down syndrome. In that tender, uncertain season, she discovered what it truly meant to surrender control and trust God with her whole heart.  Together, we explore how adversity can strengthen our faith, why risk is an essential part of spiritual growth, and how resilience helps us face both courageously. Rebekah also shares five practical principles from her book Building a Resilient Life, offering encouragement and wisdom for anyone learning to walk boldly with God through life's hardest moments. Subscribe to the podcast and tune in each week as Haley and Dustin share with you what the Bible says about real-life issues with compassion, warmth, and wit.   So you have every reason for hope, for every challenge in life. Because hope means everything.   Hope Talks is a podcast of the ministry of Hope for the Heart.   Listen in to learn more  [0:00] Let Go of Life's Blueprint—Embrace the Journey You Didn't Plan [0:27] Hope Isn't Optional—It's Everything [5:00] When Life is Interrupted—Discovering Purpose in the Unexpected [9:33] Grieving Dreams, Gaining Joy—The Unexpected Gifts of Special Needs Parenting [10:00] Risk as Rescue—How Taking Leaps Builds Unshakeable Resilience   Rebekah Lyons Resources  Learn more about Rebekah Lyons, her books, and her ministry – https://www.rebekahlyons.com/    Hope for the Heart resources Order our newest resource, The Care and Counsel Handbook, providing biblical guidance  100 real-life issues: https://resource.hopefortheheart.org/care-and-counsel-handbook   Facebook: https://www.facebook.com/hopefortheheart   Instagram: https://www.instagram.com/hopefortheheart    Want to talk with June Hunt on Hope in the Night about a difficult life issue? Schedule a time here: https://resource.hopefortheheart.org/talk-with-june-hope-in-the-night   God's plan for you: https://www.hopefortheheart.org/gods-plan-for-you/   Give to the ministry of Hope for the Heart: https://raisedonors.com/hopefortheheart/givehope?sc=HTPDON 

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Their approach centers on understanding each client's goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.At Mercer Financial Group, they believe retirement should be lived with confidence. Their mission is to empower clients with clarity, thoughtful planning, and trusted expertise so people can enjoy the financial security they've worked hard to achieve.Learn More: http://www.mercerfg.com/Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS. Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-market-volatility-sequence-of-returns-risk

Most investors never question the hierarchy they're operating in. They borrow money, take on operational risk, manage tenants, absorb volatility, and send a large portion of every payment upstream to the lender.  If something breaks, if a tenant stops paying, if the market turns—the obligation to the bank doesn't change.  This is the Mr. Burns model: the banks sit at the top of the building collecting checks, while everyone else does the work below. The slow flip model flips that hierarchy entirely. Instead of rehabbing properties or betting on appreciation, the investor becomes the lender. Short-term private money is used to acquire low-dollar properties, then paid off quickly through long-term owner financing.  For the first few years, the deal feels tight. Cash flow is modest. But once the private capital is gone, the asset is owned free and clear—and the payments keep coming for decades. No leverage. No refinancing risk. No dependency on market timing. What makes this approach powerful isn't just the math, though the math is staggering. It's the positioning. Ultra-affordable housing behaves differently from traditional rentals. Demand doesn't disappear in downturns. People can always move down in price—but there's a floor they can't go below. And by structuring the deal as the bank, the investor removes themselves from the operational chaos that destroys so many otherwise "good" deals. In this episode, we sit down with Scott, a real estate investor who's been in the game since the 1990s, got crushed in the 2008 collapse, and rebuilt with a model explicitly designed to survive the next downturn.  We talk about why slow flips aren't about patience for patience's sake, how amortization quietly creates generational cash flow, and why the investors who win long term are usually the ones willing to give up speed early in exchange for control later. About Our Guest  Scott Jelinek is an entrepreneur, coach, full-time real estate investor, and author of The Art of the Slow Flip. He has been investing in real estate since 1994 and has completed well over six hundred deals, continuing to be a leader in the industry. He has owned and operated a wide variety of businesses, from tanning salons to hot dog shops--all while buying, selling, and renting properties. Today, Scott uses his knowledge and experience to coach other real estate investors. Over 15 years, Scott built a rental portfolio of more than 100 properties. On paper, it looked like success. In reality, it was constant tenant issues, mounting repairs, and growing leverage. By 2008, he was $1.3 million in debt and ultimately lost more than 55 properties to foreclosure. That experience forced a hard reset and led him to abandon traditional rentals in favor of what he later named the Slow Flip model: selling low-cost homes on terms and holding the paper. Since then, Scott has completed hundreds of slow flips, building long-term cash flow without tenants, repairs, or property management, and now focuses on helping other investors escape the operational grind of real estate. To learn more or buy the book, go to https://www.slowflip.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Lori Oliver, a former Spanx professional and co-founder of the Sleep Performance brand, shares her journey from growing up in Athens, Georgia, to becoming an entrepreneur focused on sleep hygiene. Lori discusses her upbringing in a health-conscious family, her diverse athletic background, and her career trajectory that led her to work with Spanx and eventually start her own company.

With the markets once again experiencing volatility, Peter and Charlie walk through what's causing fear today and discuss what investors should expect in terms of volatility, corrections and drawdowns. Plus, learn what you should do when these periods occur.

Colorectal cancer is rising in younger adults, with U.S. rates increasing 2.4% per year since 2012. New evidence points to dietary changes as a contributing factor A recent study in JAMA Oncology found that those consuming the most ultraprocessed foods had a 45% higher risk of developing precancerous colorectal tumors before age 50 Risk increased with higher ultraprocessed food intake, then plateaued beyond seven to eight servings daily. Sweetened beverages, sauces, spreads, and condiments showed the strongest links You can reduce ultraprocessed food intake by planning real meals, replacing snack foods with whole ingredients, tracking triggers, and making unprocessed options more visible and accessible in your home Lowering your linoleic acid intake, increasing fiber gradually, and supporting gut health with protective foods and habits also helps reduce your risk of colorectal cancer

Risk gets talked about a lot in investing—and often defined poorly. This week on Rule Breaker Investing, David is joined by Motley Fool analysts Alicia Alfiere and Yasser El-Shimy to walk through his full 25-point risk rating system, a framework he's used for more than a decade to replace vague labels like “medium risk” with something concrete and measurable. Using Etsy and Duolingo as live 2026 case studies, the trio scores each company question by question—covering the business, financials, competition, leadership, and the investor's own willingness to dig deeper. Along the way, listeners get a deeper look at how studying risk is really about studying quality—and how seeing risk clearly with a number is just another way Rule Breaker investors can learn to break the rules…. Companies mentioned: DUOL, ETSY Host: David GardnerGuests: Alicia Alfiere, Yasser El-ShimyProducer: Bart Shannon Learn more about your ad choices. Visit megaphone.fm/adchoices

1.21.26, Kevin Sheehan opens up the show responding to an email from a listener criticizing Dan Quinn for the recent coaching staff hires on offense and the rationale behind the promotions. Kevin Sheehan asks callers for their thoughts and opinions on the Commanders' recent coaching hires from within the organization instead of looking outside.

A chaotic but revealing game-show-style opening leads into a sharp lesson on why market trivia doesn't matter nearly as much as discipline. Tom and Don walk through eye-opening 2025 market stats, including the real impact of the Magnificent Seven, international stocks' outperformance, and a surprising Bitcoin result, before pivoting to listener calls on risk aversion in retirement, tax drag in fixed income, ETF vs. mutual fund structure, pensions as “bond substitutes,” and the fear of poorly timed rollovers. The episode reinforces a consistent theme: markets anticipate, investors overthink, and long-term success comes from diversification, cost control, and building portfolios around real human behavior—not headlines. 0:04 Cold open and chaotic “What Do You Know?” game show setup 1:58 S&P 500 return vs. performance without the Magnificent Seven 5:16 Magnificent Seven's staggering 10-year return 5:48 International stocks outperform U.S. stocks in 2025 7:35 Retired caller weighs SGOV vs. VTEB and tax efficiency 10:01 Risk aversion, inflation fears, and when bonds actually belong 13:11 CD ladders as a stability alternative to bond funds 14:27 Clean energy ETFs rise despite negative policy headlines 16:41 Colombia emerges as best-performing global stock market 18:02 Bitcoin's surprising full-year decline in 2025 19:02 Why none of this market trivia actually matters 20:28 ETFs vs. mutual funds explained simply and clearly 24:44 Why fund companies resist ETF conversions 27:13 Pension income vs. bonds in portfolio construction 31:20 AI voice experiment and margin rate reality check 32:02 Fear of rolling over 401(k)s and “hodgepodge-itis” Learn more about your ad choices. Visit megaphone.fm/adchoices

From investment banker to crypto fund strategist, Stas Sukhinin shares insider perspectives on how credit committees really make decisions, why over-leveraged companies fail fast during downturns, and where stablecoins are creating trillion-dollar transaction opportunities. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with Stas Sukhinin, a finance veteran with over 19 years of experience spanning investment banking, corporate lending, and alternative asset management. Stas began his career at internationally recognized institutions including UniCredit and Societe General, where he helped pioneer mezzanine loan products in Eastern Europe. By age 29, he had become a senior partner at one of the region's largest mezzanine lenders, managing a team of 20 finance professionals and overseeing a $450 million loan portfolio. WHAT YOU'LL LEARN: In this episode, you'll discover what really happens inside credit committees when your loan application gets reviewed and why factors unrelated to your business can determine outcomes. Stas explains how strong companies can go from healthy to restructuring in just three to four months when leverage catches up with them, and the critical difference between how first-time owners and experienced operators approach debt decisions. You'll learn the two key factors that determine how much debt your business can handle, why working capital provisions in purchase agreements deserve more attention than most buyers give them, and how sellers legally present financials in the most favorable light. The conversation also covers Stas's experience investing in the 2017 ICO boom where 90% of projects went to zero but winners returned 50x to 100x, why venture capital investors sometimes block deals that would be life-changing for founders, and where stablecoin transaction volume is already reaching trillions while most people remain unaware. STAS'S JOURNEY: Stas's path into finance started at age 14 when a classmate brought a business magazine to school. Reading about business owners selling companies for millions crystallized his direction. He knew he wanted to be in corporate lending where he could see businesses, analyze financials, and speak directly with owners while working with numbers at a bank. His first role as a junior credit analyst gave him exactly that. He progressed from working with small businesses that had no financials to mid-sized companies to large corporations. Each step taught him more about how deals really get done from inside the institutions making funding decisions. CREDIT COMMITTEE INSIGHTS: Stas pulls back the curtain on what actually happens when loan applications reach credit committees. The reality differs dramatically from what most business owners imagine. Factors affecting approval can seem completely unrelated to the specific deal. Maybe the bank already has a competitor in their portfolio. Maybe the receivable financing department has a different relationship with someone in your industry. One offhand comment from a committee member who hasn't read the full memo can change the entire trajectory of a conversation or result in higher interest rates. DEBT MANAGEMENT LESSONS: The pattern Stas has seen destroy companies in months follows predictable steps. Revenue drops or stagnates. Margins deteriorate because of increased competition and client uncertainty. Debt ratios that looked comfortable suddenly reach concerning levels. Refinancing options disappear just when needed most. Interest rates climb. Everything compounds simultaneously. The difference between experienced and first-time business owners comes down to scenario planning. Experienced operators build safety margins and stress-test assumptions. First-time owners assume conditions will continue as they are. That assumption determines survival. ALTERNATIVE INVESTMENTS: Stas joined a crypto investment fund at its inception in 2017 during the ICO boom. Out of many investments, approximately 90% went to zero. The winners returned 50x or 100x. His observation about liquidity cycles was particularly interesting. Traditional venture now averages seven-year holding periods while crypto projects can reach liquidity events in three or four years through token distributions. On stablecoins, Stas sees enormous opportunity in programmable money. Transaction volume is already in the trillions though most people in developed countries don't realize the scale. Goldman Sachs reportedly reduced bond settlement time from three days to minutes using blockchain technology. Perfect for business owners considering debt financing, entrepreneurs navigating capital raising, and anyone interested in how credit decisions really get made and where alternative investments are creating new opportunities. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/stassukhinin FOR MORE ON STAS SUKHININ: https://www.thesourcer.so https://www.linkedin.com/in/stassukhinin/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps: [00:00] - Introduction: Stas Sukhinin's 19 years in finance from investment banking to crypto [03:26] - First deal experience: Structuring a real estate development loan with disbursement tied to sales [05:47] - Hidden factors: Why deals get rejected for reasons unrelated to underwriting criteria[08:20] - Committee dynamics: How one comment from an uninvolved member changes deal trajectories [11:41] - Timing and instruments: When companies use the wrong type of capital [15:55] - Risk assumptions: The difference between first-time and experienced business owners [18:29] - Volatility factors: How income stability determines appropriate leverage levels [21:09] - M&A implications: Structuring adjustment provisions for concentration risk [24:09] - Liquidity advantages: Why crypto offers shorter holding periods than traditional venture[27:55] - Venture math: The story of a VC blocking a life-changing exit for 1x returns [29:27] - Due diligence limitations: Legal ways sellers present favorable financials [32:14] - Stablecoins explained: Digital tokens designed to maintain dollar parity [36:31] - Programmable money: Smart contracts that execute automatically on conditions [38:00] - Financial advisory services: How Stas helps business owners understand their financials[39:14] - Freedom defined: Removing gatekeepers and accessing financial systems without barriers Guest Bio: Stas Sukhinin has over 19 years of experience in finance spanning investment banking, corporate lending, and alternative asset management. He began his career at internationally recognized institutions including UniCredit and Societe General, where he helped pioneer mezzanine loan products and shaped the market in Eastern Europe. By age 29, Stas had become a senior partner at one of the region's largest mezzanine lenders, managing a team of 20 finance professionals and overseeing a $450 million loan portfolio. He later served on boards of several private companies, deepening his expertise across credit investments and corporate governance. Recognizing early opportunities in alternative assets, Stas joined a crypto investment fund at its inception in 2017 and continues to lead its strategy and operations. He now helps business owners run more efficiently from the lens of financials through his advisory practice. Host Bio: Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description: Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes: Episode 350 - Tom Dillon: When NOT to Take Venture Capital Money: Explore alternative funding sources including private credit, SBA loans, and sale-leasebacks with a fractional CFO who works with startups on capital strategy. Episode 370 - Gerry Hays: Democratizing Venture Capital Through VentureStaking: Discover alternative approaches to early-stage investing that don't require massive checks or exclusive networks. Episode 85 - Nick Adams: Seed Stage Venture Capital Funds: Understand how traditional VCs think about early-stage deals and what metrics they evaluate from the investor perspective. Episode 351 - Solocast: Deal Structures Beyond M&A and Capital Raising: Learn about joint ventures, strategic alliances, licensing agreements, and other creative partnership models for business growth. Episode 324 - Sejal Lakhani-Bhatt: Tech Due Diligence in M&A: Explore how technology systems and cybersecurity impact business valuation and deal outcomes. Episode 330 - Pete Mohr: Preparing Your Business for Exit: Understand why sellers often cause deals to fail and how to prepare for the emotional aspects of selling a business. Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow Stas Sukhinin: LinkedIn: https://www.linkedin.com/in/stassukhinin/ Website: https://www.thesourcer.so Keywords/Tags: corporate lending insights, credit committee decisions, debt management for businesses, mezzanine lending, alternative asset management, crypto investment strategy, stablecoin business applications, EBITDA management, leverage risk, working capital due diligence, venture capital exits, ICO investing, blockchain finance, programmable money, business financing, capital structure, due diligence strategies, financial advisory, dealmaking, business growth strategies

Shem, Nonye Brown-West and JC Cassis share stories of sexual discoveries.

The Lord's hand is clearly on David as he ascends to the throne. The people of Israel rally behind him, celebrating their king as victory follows victory. But David's success breeds comfort—and in that comfort, he makes a choice that will forever alter his reign and devastate his family. Learn more about your ad choices. Visit megaphone.fm/adchoices