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What did you think of todays show??Risky lending is back. From rescue loans for low-credit borrowers to 50-year mortgages, the debt side of real estate is starting to look a lot like the pre-2008 era. So if you're only paying attention to your DSCR rates, you're missing key shifts in the lending industry that could impact your next deal. Tune in to hear what we learned at a private lending conference, why some new loan products make us nervous, and how investors can benefit from them!Topics discussed:Introduction (00:00)Highlights from a private financing conference (03:45)Foreign investment, hedge funds, and more shifts in private lending (09:25)How loans move through originators to platforms and aggregators (13:12)How investor demand impacts loan rates (17:08)Why some investors can't get loans and how to be a better borrower (18:20)How lenders are approaching the real estate market (20:07)The perks of investing in the distressed debt market (21:09)Debt liquidity and who loses in a private lending collapse (23:25)Hot take on the 50-year mortgage (27:30)Why lending is getting risky again (32:23)Sign up to join the FREE Scale Community! https://collectingkeys.com/Want deeper breakdowns like this every week? Subscribe to the Collecting Keys newsletter! https://collectingkeys.com/newsletter/Follow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com
Nick Wilson and Jonathan Peterlin attempt to talk about Shedeur Sanders, but focus a lot more on Las Vegas and unique baristas.
Nick Wilson and Jonathan Peterlin debate whether you're rooting for the Raiders on Monday Night Football, Las Vegas, unique tiktok baristas and more... just enjoy this one.
Pippa Crerar and Kiran Stacey look at radical plans from the home secretary, Shabana Mahmood, to tackle the ‘out of control' asylum system. Plus, has the briefing row only made Keir Starmer's rivals more coordinated?. Help support our independent journalism at theguardian.com/politicspod
Tentatively returning to talk vaguely about chiefs and we are joined by a professional quiz master to test our quiz knowledge.
Europol takes down servers behind three malware operations, the US sanctions another Burmese military group linked to scam compounds, Google backs down from mandatory Android developer registration, and Checkout-dot-com donates its ransom to cybercrime researchers instead of paying hackers. Show notes Risky Bulletin: Europol takes down Elysium, VenomRAT, and Rhadamanthys infrastructure
Berlin is setting up a committee to re-examine its security-related trade policies towards Beijing. This comes as China just overtook the United States to become Germany's No. 1 trading partner. What's driving this sudden rethink? Is it politics, pressure, or protectionism? How will Germany's biggest companies, from autos to chemicals, react as the rules of engagement shift? And where will a possible new phase of Sino-German relations lead, and what might it mean for Europe and the world? Host TU Yun joins Professor Klaus Larres, the Richard M. Krasno Distinguished Professor at the University of North Carolina at Chapel Hill, Professor Josef Gregory Mahoney, Professor of Politics and International Relations, East China Normal University, and Dr. Zhou Mi, the Deputy Director of the Institute of American and Oceania Study, Chinese Academy of International Trade and Economic Cooperation for a close look.
Your Week 11 lineup decisions just got easier. The Dudes are here with everything you need to know before Sunday kicks off.We start with the tough calls in Pick Your Player: Joe Flacco or Jordan Love? Aaron Jones or Rachaad White? These aren't coin flips – there are right answers, and we've got them.Then we're exposing the truth about Week 11: that "must-start" stud who's actually about to bust, and the guy on your bench who's ready to blow up. Our starts, sits, and sleepers segment will completely change how you see this week's matchups.We close out with picks for every single game, giving you the full picture of what to expect Sunday through Monday night.Whether you're scrapping for the last playoff spot or trying to hold onto first place, this episode gives you the edge your league-mates don't have.Your league won't know what hit them.Don't be rude, share the Dudes!Connect with the Showhttps://x.com/TFFDudes https://www.instagram.com/tffdudes/Watch the Dudes on Youtube athttps://www.youtube.com/channel/UC2JAx3YD3P-OJRiaqA7wSQwQuestions for the showtffdudes@gmail.com Watch the Dudes on Youtube athttps://www.youtube.com/channel/UC2JAx3YD3P-OJRiaqA7wSQw Sponsors Trophy Smackwww.trophysmack.com/dudeswww.sleeper.comDudes100 and they will match you $100
This episode follows Katie Rodgers as she talks about what it means to take risks by being real in her work. After years in fashion, she chose to step away and start again in New Mexico. Katie shares how change tested her, what she learned about letting go, and why staying true to what feels right is worth the risk.
What are the chances that Brock Purdys return goes horribly wrong?
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Tom Uren and Amberleigh Jack talk about a new Reuters' report that reveals how Meta is knowingly raking in cash from scam advertisements. It's around $16 billion worth, and in documents Meta calculates that it outweighs the costs of possible regulatory action. They also discuss recent state-backed supply chain attacks that have, so far, remained targeted and responsible. Finally they look at the UK's decision to stop sharing intelligence with the US about suspected drug boats in the Caribbean. This episode is also available on Youtube. Show notes
Think you've just stumbled on the perfect real estate deal? Not so fast! The truth is that some rental properties may look good on paper but are actually much more trouble than they're worth. Today, we're going to show you seven warning signs to look out for before closing on your next property! Welcome back to the Real Estate Rookie podcast! In this episode, Ashley and Tony are breaking down seven of the most common (and costly) red flags that can quickly turn a rookie investor's “dream deal” into a financial nightmare. Whether you're doing a BRRRR (buy, rehab, rent, refinance, repeat), flipping houses, or even house hacking, you won't want to make these critical mistakes that could drain your time, energy, and money. You'll learn the keys to proper real estate analysis, like calculating “hidden” costs and lowering your risk by accounting for the worst-case scenario. We'll also show you how to avoid getting in over your head with a renovation project and why you should never bank on appreciation—especially at the expense of cash flow. If your property doesn't have any of these red flags, chances are you've got a great deal! In This Episode We Cover Seven red flags to watch out for when buying a rental property Why buying the “cheap” property could cost you way more in the long run Taking on renovation projects that align with your skill level How to stress-test a deal so you still profit in a worst-case scenario Why you should never sacrifice cash flow for potential appreciation And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-639 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
SRI360 | Socially Responsible Investing, ESG, Impact Investing, Sustainable Investing
My guest today is Eva Yazhari – General Partner at Beyond Capital Ventures and one of the most original thinkers in the world of impact investing.Trained on Wall Street, Eva left finance to found Beyond Capital, turning her expertise toward building impact-driven markets. Beyond Capital Fund was structured as a nonprofit, a 501(c)3 – not to do charity, but to meet the moment. She describes it as “almost like a Trojan horse” – a structure that made her approach more acceptable to early supporters, even as she operated with full VC rigor.She knew in 2009 that most investors did not yet believe emerging markets could deliver both returns and impact. So she created a structure that was more palatable – donors could get a tax deduction, while she quietly ran the fund like a VC from day one. There were no grants. No concessionary capital. They always behaved like a VC.The result was a top‑quintile track record: a 0.3% loss ratio, markups, and over 100 million people reached through portfolio companies' products and services.But the nonprofit structure also kept the firm smaller than it needed to be. “I think it was the right thing to do, but I think it was a little bit of a mistake in the growth of the firm.”In 2019, someone approached her after a talk and simply asked, “How do we invest?” – and that was the moment she knew the market was finally ready.She and her team launched Beyond Capital Ventures, a for‑profit venture fund, carrying forward the same thesis with a structure that allowed investors to participate directly in the returns.Today, Beyond Capital Ventures invests in early-stage companies across East Africa and India. It's one of the few woman-led impact VC firms globally, with a team that's 70% based in the markets they invest in.Eva's approach is hands-on, thesis-driven, and unafraid to push boundaries. She refuses deal flow from Europe or the U.S. because she believes the best opportunities come from being on the ground. As she says, “I'd rather the principal who runs our Nairobi office meet a founder while filling up his water bottle, than us meet them through some other channel.”Beyond Capital has pioneered something radical in VC: the equitable venture structure. 10% of the GP's carry is allocated to portfolio founders. Not only does it create community – it's created collaboration. That motivates companies across her portfolio now to share customers, talent, and capital.She measures impact as rigorously as she measures financial performance. Her team uses a three-tier framework aligned with IRIS and SDG metrics. And she's clear-eyed about what success looks like. “Everybody is focused on sourcing better and investing better. Nobody is focused on adding value, and that is exactly where everything goes right or wrong.”Eva's career is proof that creativity, service, and capital don't have to be separate. And that you can build something that lasts if you're bold enough to hold them together.Listen in.—Connect with SRI360°:Sign up for the free weekly email updateVisit the SRI360° PODCASTVisit the SRI360° WEBSITEFollow SRI360° on XFollow SRI360° on FACEBOOK—Additional Resources:- Beyond Capital Ventures website- Eva Yazhari LinkedIn- Eva Yazhari Instagram- Book ‘The Good Your Money Can Do'- The BCV Podcast
Internal data leaks from another Chinese security firm, a US Congressional Budget Office breach has not been contained, the Cyber infosharing act likely to be extended until January, and we have a new OWASP Top 10. Show notes Risky Bulletin: Another Chinese security firm has its data leaked
Daily Soap Opera Spoilers by Soap Dirt (GH, Y&R, B&B, and DOOL)
Click to Subscribe: https://bit.ly/Youtube-Subscribe-SoapDirt General Hospital 2-week spoilers for Nov 10-21, 2025 has an exciting lineup with Carly Corinthos Spencer's (Laura Wright) risky move and Michael Corinthos' (Rory Gibson) shocking decision. Popular characters like Brooklyn Quartermaine (Amanda Setton), Dante Falconeri (Dominic Zamprogna), and Portia Robinson (Brook Kerr) are set to have intriguing storylines. GH spoilers suggest Brooklyn is shaken up and seeks Dante's assurance on certain secrets. Isaiah Gannon (Sawandi Wilson) and Portia find themselves in an uncomfortable position when Felicia Scorpio (Kristina Wagner) starts asking questions. Alexis Davis (Nancy Lee Grahn) visits Willow Tait (Katelyn MacMullen) at Pentonville with possibly good news about an alternate suspect. Spoilers for General Hospital bring drama with Michael's shocking move and Brooklyn's quest for answers. Georgie Spinelli (Lily Fisher) and Gio Palmieri (Giovanni Mazza) discover something horrifying during their lab break-in. Laura Spencer (Genie Francis) is faced with a difficult sacrifice, and Dante's police work hits close to home. More spoilers for GH reveal Anna Devane's (Finola Hughes) fate and Carly takes a significant risk in her war against Jack Brennan (Charles Mesure). Josslyn Jacks (Eden McCoy) faces danger, Michael and Jacinda Bracken (Paige Herschell) get closer, and Willow has a reason to feel hopeful. In General Hospital casting news, Mark Forget is back as Pascal, adding to the suspense. The upcoming episodes promise to be a rollercoaster ride with the ongoing election, Jenz Sidwell's (Carlo Rota) plotting against Sonny Corinthos (Maurice Benard), and the revelation of Portia's secret fling with Isaiah the weeks of 11/10-11/21, 2025. Soap Dirt has grown to the most subscribed to YouTube soap opera channel. Visit our General Hospital section of Soap Dirt: https://soapdirt.com/category/general-hospital/ Listen to our Podcasts: https://soapdirt.podbean.com/ Check out our always up-to-date General Hospital Spoilers page at: https://soapdirt.com/general-hospital-spoilers/ Check Out our Social Media... Twitter: https://twitter.com/SoapDirtTV Facebook: https://www.facebook.com/SoapDirt Pinterest: https://www.pinterest.com/soapdirt/ TikTok: https://www.tiktok.com/@soapdirt Instagram: https://www.instagram.com/soapdirt/
Many Kiwis plan to sell the family home and buy something smaller to fund retirement. But does downsizing still work in 2025, or is it another myth about ageing gracefully?In this episode, Ed and Andrew explore when downsizing pays off and when it leaves you short. You'll learn:3 reasons downsizing fails and 4 times it actually worksHow timing (before 72) can make or break your planWhy some retirees walk away with less than $200k after sellingWhether you're dreaming of a smaller home or wondering if you've left it too late, this episode shows what it really takes to retire comfortably in New Zealand. Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Myanmar starts demolishing the KK Park scam compound, the US Congressional Budget Office gets hacked by a foreign APT, Chrome will remove risky X-S-L-T support, and scammers in Singapore will get the cane. Show notes
Risk nothing and you'll risk everything. What does this mean?
The Elephant In The Room Property Podcast | Inside Australian Real Estate
Property investment has entered dangerous new territory. What used to be about building long-term wealth has become clouded by hype, shortcuts, and unqualified advice. Investors are being drawn into speculative schemes disguised as strategy. In this episode, Veronica and Chris sit down with Ben Kingsley, Founding Managing Director of Empower Wealth and Chair of the Property Investors Council of Australia (PICA), to unpack the alarming resurgence of speculative, misleading, and unlicensed property advice spreading across Australia.Ben recently authored an open letter to industry associations, warning of “get-rich-quick” operators, social media influencers, and unqualified advisors encouraging investors to buy properties through risky trust structures and self-managed super funds. He reveals how these practices are distorting regional markets, luring naive investors, and potentially triggering a regulatory backlash that could reshape the entire property sector.From “pump and dump” tactics to trust lending loopholes and the rise of volume-driven buyer's agents buying sight unseen, this conversation exposes the systemic risks emerging from the unregulated fringes of the industry. Ben, Veronica, and Chris also explore how social media hype, FOMO marketing, and easy credit are fueling another wave of short-term speculation that could end in disaster.If you care about the future of Australia's property market—or just want to protect yourself from being swept up in the next boom-and-bust cycle—this is an episode you can't afford to miss.Episode Highlights00:00 — Why Risky Property Advice Is Back on the Rise01:36 — Speculative Behaviour: The Return of Fast-Money Mindsets02:25 — How Speculation Threatens Consumers and Market Stability03:59 — Unlicensed Advisors and the Power of Social Media Influence06:14 — Regional Market Distortions: When Buyer's Agents Go Rogue08:21 — Will ASIC Step In? The Push for Property Regulation10:16 — The Role (and Responsibility) of Brokers and Buyer's Agents13:01 — What Happens Next: Ben's Call for Industry Reform32:06 — Rising Prices, Rising Pressure: The Human Cost of Property33:51 — Regional Boom or Bubble? Understanding the Market Risks36:41 — Property Prices vs. Fundamentals: When Growth Defies Logic39:47 — Speculation vs. Strategy: The Long-Term Investment Divide42:14 — Economic Viability: The Missing Piece in Modern Investing49:00 — Building a Sustainable Property Business, Not a Hype Machine52:41 — Owning Mistakes and the Power of Industry Accountability54:26 — Final Thoughts: Restoring Trust in Property AdviceLinksArticle: https://pica.asn.au/alarm-unlicensed-advice-market/ About the GuestBen Kingsley is the Founding and Managing Director of Empower Wealth and the inaugural Chair of the Property Investors Council of Australia (PICA). A Qualified Property Investment Advisor (QPIA) and one of Australia's most respected voices in property, finance, and money management, Ben has spent over two decades advocating for professional standards and consumer protection in the property investment sector.A multi-award-winning advisor and frequent media commentator, Ben co-authored two bestselling books — The Armchair Guide to Property Investing and Make Money Simple Again — and co-hosts The Property Couch, Australia's #1 property, finance, and money management podcast. Through Empower Wealth, Ben leads an integrated team of experts providing holistic financial advice across property, finance, tax, and wealth management.Driven by his belief that...
It's Week 10 in the NFL and The Couch GMs are breaking down EVERYTHING you need to know to dominate your fantasy league and stay ahead of the headlines.
Payment service provider executives arrested over a credit card fraud ring, Meta makes a fortune showing scam ads, South Korean telco KT tried to hide a second breach and five more scammers are sentenced to death in China. Show notes Risky Bulletin: Europol arrests payment service executives for role in credit card fraud ring
In this episode, we sit down with Portage West Middle School Principal Jason Messenger and Assistant Principal Sidney Bailey IV to explore how their "Risky Words" initiative is reshaping school culture. What started as a response to rising reports of offensive language has grown into a proactive, schoolwide effort to teach empathy, kindness, and accountability. Hear how student voice and data guided their journey, what they've learned along the way, and how any school can take similar steps to create a more inclusive and respectful environment.
Beta-blockers offer no survival benefit for most heart attack patients with normal heart function, even though they're still widely prescribed Women face higher risks on beta-blockers, including nearly double the risk of death when given higher doses, while men show no measurable harm or benefit Side effects such as fatigue, dizziness, depression, and sexual dysfunction often burden patients without providing meaningful protection The real root of heart disease lies in damaged mitochondria, which are overwhelmed by linoleic acid (LA) from vegetable oils found in most processed foods You can protect your heart by reducing LA, eating the right kinds of carbohydrates, walking daily, getting safe sunlight, and tracking your HOMA-IR score
Have you ever caught yourself silently shrinking, using the word "just" before your title, your accomplishments, or even your ideas? Maybe you've said, "I'm just a team member," or "I'm just filling in"—and in that tiny word, you let a little light of your confidence flicker out. I've heard from leaders just like you, wrestling with the tension between wanting to stand tall in their careers and feeling pressured by culture to play small. The pull to minimize your wins, your presence, and your impact is exhausting. That's exactly what we're exploring in this episode of Being at Work with my longtime friend, MeChelle Callen. MeChelle is not only an author and leader, she's lived the journey of shifting from "just" to joy—embracing power, presence, and authenticity at work. We talk about why eliminating "just" from your vocabulary matters more than you realize, how subtle habits and societal pressures like "tall poppy syndrome" keep us from leading boldly. MeChelle brings real stories, practical tools, and rituals you can tailor for your life. This is an invitation to stop minimizing yourself and finally stand in your power, without apology. Episode Highlights (00:00) Why "just" Is Undermining Your Confidence Without You Knowing (03:03) MeChelle Callen: Who She Is and Why Standing in Our Power Matters (04:23) The Cost of Self-Minimizing Language (08:21) Practical Ways to Eliminate "Just" from Your Work Vocabulary (09:45) Tall Poppy Syndrome: How Culture Makes Us Shrink (12:31) Leadership, Resilience, and Being Seen—Even When It's Risky (18:15) Authenticity vs. Adaptability: How to Honor Yourself While Navigating Feedback (21:50) Rituals for Confidence: Music, Mantras, Power Poses & More (26:16) Micro-Moments of Power: Anchoring Yourself Before Big Moments (29:51) Why Your Unique Voice and Story Matters More Than Ever About Andrea Butcher Andrea Butcher is a visionary business leader, executive coach, and keynote speaker—she empowers leaders to gain clarity through the chaos by being MORE of who they already are. Her experiences—serving as CEO, leading at an executive level, and working in and leading global teams—make her uniquely qualified to support leadership and business success. She hosts the popular leadership podcast, Being [at Work] with a global audience of over 600,000 listeners and is the author of The Power in the Pivot (Red Thread Publishing 2022) and HR Kit for Dummies (Wiley 2023). Connect with Andrea https://www.abundantempowerment.com/ Connect with Andrea Butcher on LinkedIn https://www.linkedin.com/in/leaderdevelopmentcoach/ Connect with MeChelle Callen https://www.mechellecallen.com/ https://www.linkedin.com/in/mechellecallen/
Confessions of a Freebird - Midlife, Divorce, Dating, Empty Nest, Well-Being, Mindset, Happiness
Have you ever stopped to think about the relationship you have with money, not just your budget or bank balance, but the emotions that shape your financial choices?Even though money looks logical on paper, the truth is most of our financial decisions come from our emotional state—shaped by the families we grew up in, what we witnessed, and what we learned about having “enough.”In this powerful episode, I sit down with Shannon Ryan, Certified Financial Planner, TEDx speaker, and author of Your Money Has Feelings. With over 30 years of experience guiding people through financial change, Shannon brings warmth and compassion to a topic that often feels shame-filled or overwhelming. Her approach blends personal finance and emotional well-being in a way that might shift how you relate to money for good.We explore:How early family patterns create emotional “scar tissue” around money—and how that shows up nowWhy women often carry unhealed money fears during midlife transitionsHow your nervous system responds to money stress—and what helps calm itWhy financial security after divorce can feel like an emotional minefieldThe sneaky money beliefs that keep you stuck in scarcityWhat real financial empowerment looks like (hint: it's not just numbers)If you're rebuilding after a breakup, reentering the workforce, or just trying to feel safer and more confident with money, this conversation will leave you feeling seen, grounded, and hopeful.You're not broken, you're just taking the next right step.Here's to trusting yourself, and trusting the next right step.LaurieClick here for a video on how to leave a review to receive a free somatic stabilization/grounding exercise. The podcast graphic is different from the current one. Once you complete it and send me a picture I will send you the video. My email is laurie@laurieejames.comThank you in advance. Click here to learn about my NEW “Nervous System Regulation Starter Kit” Free ResourcesClick here to schedule a FREE inquiry call with me.Click here for my FREE “Beginner's Guide to Somatic Healing”Click here for my FREE Core Values ExerciseClick here to purchase my book: Sandwiched: A Memoir of Holding On and Letting GoWebsiteConnect with Shannon RyanYour Money Has Feelings BookPlease leave me feedback. I cannot respond so if you'd like me to respond, please leave your email***********************DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL, MEDICAL OR PROFESSIONAL ADVICE. YOU SHOULD CONTACT A LICENSED THERAPIST IF YOU ARE EXPERIENCING SUICIDAL THOUGHTS. YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE. YOU SHOULD CONTACT A LICENSED MEDICAL PROFESSIONAL WITH RESPECT TO ANY MEDICAL ISSUE OR PROBLEM.
A kitchen confession about moldy Tupperware turns into a surprisingly tender map of modern fatherhood. We open with the small stuff—waffle settings, pizza box etiquette, hot dog head tilts, and why no one should make eye contact mid-bite—and find the values hidden inside the jokes: boundaries, bandwidth, and the daily tradeoffs that keep a home moving. Then we head outside, from a back-friendly sock trick to a smoky, brined turkey win that earns a new household badge of honor, fueled by neighbor wisdom and internet recipes.The heart of the story lives on the court. One of us prepped a son for bench minutes with honesty and care, absorbed the sting of the first game, and watched him light up in the next—first basket, better positioning, and an open mind for coaching. Later that night came a second breakthrough: stepping into a voice chat to call out friend-group chirps that had crossed into bullying. Risky? Yes. Worth it? Absolutely. The hug and the trust that followed say everything about when to let kids figure it out and when to show up, loud and clear.We don't skip the hard parts. Triggers around lying, tone that lands too sharp, and the worry of a strong-willed peer rubbing off on your kid—they're all here. So are the wins that knit a family together: sibling seat negotiations, Halloween costume chaos, and a home team run that becomes a core memory. It's messy, funny, and real, the way parenting actually feels at 8 p.m. on a Tuesday. If this sounds like your house, pull up a chair. Subscribe, share this with a dad who needs a laugh and a lift, and leave a review to help more parents find the show.
Tom Uren and Amberleigh Jack talk about aggressive US cyber operations targeting the Venezuelan government in President Trump's first term. These were narrowly successful in that they achieved their immediate operational goals, but they didn't achieve Trump's broader policy goal of ousting Venezuelan leader Nicolás Maduro. They also talk about why the adtech ecosystem is a national security problem all round the world and how cybercriminals are collaborating with organised crime to steal cargo from logistics companies. This episode is also available on Youtube. Show notes
Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy
Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy
The US indicts two cybersecurity employees over ransomware attacks, hackers extort customers of South Korean massage parlors, another crypto firm gets hacked for $128 million dollars, and cargo thieves collab with hackers to target freight companies. Show notes Risky Bulletin: US indicts two rogue cybersecurity employees for ransomware attacks
In this episode, we explore how today's investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We'll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you're a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide.
In this episode, we explore how today's investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We'll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you're a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide.
New Hampshire Unscripted talks with the performance arts movers and shakers
In the first half of this episode of WXXL's NH Unscripted The Players Ring, and more specifically the production of “The Man Who Laughs”, takes center stage in this interview with Kevin Collins. Kevin and I saw a matinee of the show recently and wanted to give our take on it. I know several of the cast members (Wayne Asbury Emily Karel and Leslie Pasternack) and was intrigued and excited to see them perform again. Toss in actors Ben Bagley Kevin Baringer and we were off to the races! Only six words are spoken in the whole show and it attempts to transfer a black and white silent movie to the stage. It was the perfect use of the Players Ring theater and it drew a truly appreciative crowd. Niche? Yup. Risky? Yup. Did they pull it off? Heck Yup. I loved the show, loved the cast and loved the venue. This was/is a perfect way to spend a Sunday afternoon in Portsmouth. Kudos to the Ring for letting this show see the light of day. I never doubted that they could deliver. Oh BTW, the music was haunting and perfect. In the second half of the show Kevin and I get into television shows we feel are and aren't worth watching lately.
Chuck Zodda and Mike Armstrong discuss scarce chips are just the tip of big auto's disruption. Amazon agrees to massive deal with OpenAI. Is OpenAI becoming too big to fail? Risky loans from housing bust era is making a comeback. Are tariffs going to hammer shoppers this holiday season? Why the future of coffee doesn't belong to Starbucks.
We're told to play it safe—wait until outcomes are guaranteed. But faith rarely comes with a map. From leaving California for Iowa to launching with 62 people (and regathering with 16), this is the story of saying “yes” when it didn't add up. As we remember 20 years together, we see in God's hands, small obedience becomes more than we ever could have imagined. Connect With Us Need prayer, want to sign up for baptism or surrender your life to Christ? Follow this link : https://bit.ly/m/lifechurchia
Norway finds remote control features in its Chinese electric buses, the US CyberCorps program may saddle students with debt, Edge and Chrome get AI-based scareware blockers, and a Conti member has been extradited to the US. Show notes Risky Bulletin: Norway skittish of its Chinese electric buses
Adam works with a client to help them quit using cocaine when alone, by regressing to a time when risky behaviour led to a health consequence. Adam helps them frame cocaine use as a behaviour that isn't worth the risk, and uses two timelines to help them explore the consequences of not changing vs changing. To access a subscriber-only version with no intro, outro, explanation, or ad breaks with just the hypnosis and nothing else, click subscribe. To access all hypnosis-only versions and exclusive subscriber sessions and have invitations to live hypnosis sessions over Zoom, tap 'Subscribe' nearby or click the following link.https://creators.spotify.com/pod/profile/adam-cox858/subscribe
Message from Jarrett Stephens on November 2, 2025
Denise Salcedo and Tommy Dreamer discuss the stipulations from Cody Rhodes and Drew McIntyre's contract signing on Smackdown. They also give their predictions for tonight's Saturday Night's Main Event! To visit our partners at Chewy, click here. The Master's Class is now available on its own podcast feed! SUBSCRIBE NOW to hear over 50 episodes of Dave, Bully, Mark, and Tommy taking you behind the scenes like only they can, plus BRAND NEW episodes every week. Subscribe to SiriusXM Podcasts+ to listen to new episodes of Busted Open ad-free and get exclusive access to bonus episodes. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Joy Studer interviews Rachel Ramsden, an advocate of Risky Play from the Play Outside Lab in Vancouver, BC. Find out how, as the parents/caregivers and educators living and working with children, we can support their "Risky Play" for their benefit. What do we say instead of "be careful!"Child in Nature Alliance
Fluent Fiction - Dutch: The High-Stakes Halloween: Rik's Risky Breakthrough Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2025-10-31-07-38-20-nl Story Transcript:Nl: In een oud herenhuis in Amsterdam, tijdens Halloween, speelde Rik een pokerspel dat zijn lot kon veranderen.En: In an old mansion in Amsterdam, during Halloween, Rik played a poker game that could change his fate.Nl: De kamer was sfeervol verlicht met flakkerende kaarsen.En: The room was atmospherically lit with flickering candles.Nl: De muren waren bedekt met donkerrood fluweel, en buiten hoorde je de geluiden van feestende mensen.En: The walls were covered with dark red velvet, and outside you could hear the sounds of people partying.Nl: De lucht was koel, en je kon de geur van natte bladeren van de herfst ruiken.En: The air was cool, and you could smell the scent of wet autumn leaves.Nl: Rik zat aan de pokertafel met Marlies en Jeroen.En: Rik sat at the poker table with Marlies and Jeroen.Nl: Naast hen zat een nieuwe speler, een mysterieuze man met scherpe ogen.En: Next to them sat a new player, a mysterious man with sharp eyes.Nl: Rik voelde de spanning in de lucht toen de kaarten werden gedeeld.En: Rik felt the tension in the air as the cards were dealt.Nl: Zijn handen trilden lichtjes.En: His hands trembled slightly.Nl: Hij dacht aan zijn schulden, geheimgehouden voor zijn vrienden.En: He thought about his debts, kept secret from his friends.Nl: Dit spel was zijn kans om alles recht te zetten.En: This game was his chance to set everything right.Nl: De spelers speelden geconcentreerd.En: The players were focused.Nl: Marlies glimlachte zelfverzekerd.En: Marlies smiled confidently.Nl: Jeroen was kalm en berekenend.En: Jeroen was calm and calculating.Nl: Maar de nieuwkomer hield iedereen in spanning.En: But the newcomer kept everyone in suspense.Nl: Het leek alsof hij iedere beweging kon doorzien.En: It seemed as if he could see through every move.Nl: Rik voelde de druk toenemen.En: Rik felt the pressure mounting.Nl: Zijn gebruikelijke speelstijl was veilig, maar nu voelde hij de drang om een risico te nemen.En: His usual playing style was safe, but now he felt the urge to take a risk.Nl: Rik keek naar zijn kaarten en besloot te bluffen.En: Rik looked at his cards and decided to bluff.Nl: Hij zette een grote stapel chips in.En: He put in a large stack of chips.Nl: Zijn hart klopte in zijn keel.En: His heart pounded in his throat.Nl: De nieuwkomer keek hem strak aan, alsof hij Rik's gedachten kon lezen.En: The newcomer stared at him intently, as if he could read Rik's thoughts.Nl: Maar Rik bleef rustig.En: But Rik remained calm.Nl: Hij dwong zichzelf om zijn zenuwen te beheersen.En: He forced himself to control his nerves.Nl: De ronde ging verder, en de spanning steeg.En: The round continued, and the tension rose.Nl: Uiteindelijk bleef alleen Rik over tegen de mysterieuze speler.En: In the end, only Rik was left against the mysterious player.Nl: Het was de laatste ronde.En: It was the final round.Nl: Alle ogen waren op hen gericht.En: All eyes were on them.Nl: Dit was het moment van de waarheid.En: This was the moment of truth.Nl: Rik moest beslissen: zou hij zijn instincten volgen, of terugvallen op zijn veilige spelstijl?En: Rik had to decide: would he follow his instincts or fall back on his safe playing style?Nl: Hij koos voor het eerste.En: He chose the former.Nl: Hij zette alles in.En: He went all in.Nl: De tafel werd stil.En: The table went silent.Nl: De nieuwkomer keek lang naar Rik.En: The newcomer looked at Rik for a long time.Nl: Toen legde hij zijn kaarten neer.En: Then he laid down his cards.Nl: Rik voelde zijn adem stokken.En: Rik felt his breath catch.Nl: Vervolgens onthulde hij zijn kaarten.En: He then revealed his cards.Nl: Een plotselinge stilte vulde de ruimte.En: A sudden silence filled the room.Nl: En daarna, een luide juich van de anderen aan tafel.En: And then, a loud cheer from the others at the table.Nl: Rik had gewonnen!En: Rik had won!Nl: Het was een glorieuze overwinning.En: It was a glorious victory.Nl: Met zijn winst in handen stond Rik op.En: With his winnings in hand, Rik stood up.Nl: Hij voelde een nieuwe kracht binnen zichzelf.En: He felt a new strength within himself.Nl: Hij wist nu dat het goed was om risico's te nemen.En: He now knew that it was good to take risks.Nl: Terwijl hij de kamer verliet en de nachtelijke lucht inademde, lachte hij.En: As he left the room and breathed in the night air, he laughed.Nl: De stad vierde Halloween, maar voor Rik was het een viering van nieuw gevonden vrijheid.En: The city celebrated Halloween, but for Rik, it was a celebration of newfound freedom.Nl: Hij had zijn schulden overwonnen, en meer dan dat, hij had geleerd te vertrouwen op zichzelf.En: He had overcome his debts, and more than that, he had learned to trust himself. Vocabulary Words:mansion: herenhuisatmospherically: sfeervolflickering: flakkerendevelvet: fluweelscent: geurautumn: herfstmysterious: mysterieuzetension: spanningtrembled: trildendebts: schuldenfocused: geconcentreerdconfidently: zelfverzekerdcalculating: berekenendsuspense: spanningurge: drangbluff: bluffenintently: straknerves: zenuwenmounting: toenemenround: rondeinstincts: instinctenformer: eersteglorious: glorieuzevictory: overwinningstrength: krachtrisks: risico'scelebration: vieringfreedom: vrijheidovercome: overwonnentrust: vertrouwen
Ask Me How I Know: Multifamily Investor Stories of Struggle to Success
High performers often chase peace but feel unsafe when they slow down. In this episode, Julie Holly reveals how early stories of worth and success shape our drive—and how recalibration helps you rewrite them so rest finally feels safe again.If you've ever tried to rest but felt restless instead—this episode is for you.In The Recalibration, Julie Holly unpacks the psychology and identity behind high performance, revealing how our earliest stories quietly shape the pace we keep as adults. From the family messages of “Be the best” and “Don't fail,” to the cultural scripts that say worth equals output, this episode exposes the deeper narratives driving exhaustion.You'll learn how story work bridges behavior and belief—and why adding more habits or hacks won't heal the root cause of burnout or performance pressure. Drawing on psychological insight and nervous system science, Julie explains how these unconscious stories become embodied patterns: you produce to stay safe, prove to stay seen, and protect to stay in control.Through Identity-Level Recalibration (ILR)—the psychology-backed, faith-rooted pathway that realigns identity at the root—you'll discover how to retrain your body to experience stillness as safety. Because when your nervous system believes you're safe to rest, peace stops feeling like loss and starts feeling like trust.This episode invites you to grieve your old story, thank it for keeping you safe, and finally meet the truer version of you beneath it all.The Recalibration isn't therapy or mindset work—it's the smallest internal shift that changes everything. It's not about doing less; it's about leading from who you truly are.Today's Micro Recalibration:“What story am I still performing—and is it still true?” Let this question soften the part of you that's still performing for safety. The story that got you here doesn't have to be the one that carries you forward.If this episode gave you language you've been missing, please rate and review the show so more high-capacity humans can find it. Explore Identity-Level Recalibration→ Follow Julie Holly on LinkedIn for more recalibration insights → Schedule a conversation with Julie to see if The Recalibration is a fit for you → Download the Misalignment Audit → Subscribe to the weekly newsletter → Join the waitlist for the next Recalibration cohort This isn't therapy. This isn't coaching. This is identity recalibration — and it changes everything.
Week 9 Fantasy Football: Save Your Season RIGHT NOWYour playoff hopes hanging by a thread? The Dudes are here to drag you back to the win column with the sharpest lineup advice you'll get all week.⚔️ PICK YOUR PLAYER Jordan dissects the razor-thin decisions that'll haunt you Monday morning. Similar-rated players, wildly different outcomes — we're calling every single one.
What happens when ordinary objects become instruments of our own destruction? Both "The Fever" and "A Most Unusual Camera" explore how material possessions can transform from sources of pleasure into agents of doom, revealing the dark side of human greed and obsession. The post Risky Gambles appeared first on Golden Spiral Media- Entertainment Podcasts, Technology Podcasts & More.
It's a spooky Week 10 on the College GameDay Podcast! Rece Davis and Pete Thamel discuss risky coaching hires, early playoff rankings, their Halloween candy favorites and their Week 10 picks. 00:00 - Welcome to the College GameDay Podcast 04:48 - CFB scheduling issues? 11:15 - The latest on the coaching carousel 25:04 - Bill Belichick's call to go for 2 28:08 - Expectations from 1st CFP Rankings 36:02 - Six pack of picks 55:48 - Let's talk Halloween 58:11 - What's your favorite Halloween candy? 01:01:13 - Thanks for watching the College GameDay Podcast! Learn more about your ad choices. Visit podcastchoices.com/adchoices
Ranjan Roy from Margins is back for our weekly discussion of the latest tech news. We cover: 1) OpenAI's Atlas browser is here 2) Atlas plays 2048 3) The danger of AI browser prompt injection 4) Will Atlas be around in five years? 5) Why Dave's Hot Chicken is the world's top app 6) Amazon has plans to automate hundreds of thousands of jobs 7) OpenAI is paying investment bankers to train its models 8) If we automate all the work, who will be left to buy stuff? 9) Meta cuts 100 AI jobs 10) Reddit fools AI crawlers and shows theft 11) Clippy returns! --- Enjoying Big Technology Podcast? Please rate us five stars ⭐⭐⭐⭐⭐ in your podcast app of choice. Want a discount for Big Technology on Substack + Discord? Here's 25% off for the first year: https://www.bigtechnology.com/subscribe?coupon=0843016b Questions? Feedback? Write to: bigtechnologypodcast@gmail.com
We just lowered the prices on all of our packages, and promo code 'GURU' gets you an extra 15% off of our already discounted 50% off price tag. https://www.fantasypoints.com/plans#/ It's lineup lock season, and the Fantasy Football Daily crew is here to get you ready for Week 8 with every key start, sit, and streamer decision you'll face. We're firing up Tee Higgins with confidence, rolling with Cade Otton and Dalton Kincaid off the bye, and highlighting under-the-radar plays like Wan'Dale Robinson, Joe Flacco, Marcus Mariota, and Colston Loveland. Plus, we dig into top flex options — including Khalil Shakir, Jauan Jennings, and “Woody” — before closing with players to avoid: Xavier Legette, Hunter Henry, the entire Titans offense, and more. Need a desperation flex? We've got your dart throws too — Marvin Mims, Tez Johnson, and Tyler Allgeier all make the cut. Where to find us: http://twitter.com/TheOGFantasy http://twitter.com/GrahamBarfield Join the Discord here: https://www.fantasypoints.com/media/discord#/ Podcast Transcription Here: https://podsqueeze.com/embedded/transcript/TpySSoGhgmVoNmSb2pJ6Ud Fantasy Points Website - https://www.fantasypoints.com NEW! Data Suite - https://data.fantasypoints.com Twitter - https://twitter.com/FantasyPts Facebook - https://www.facebook.com/FantasyPts Instagram - https://www.instagram.com/FantasyPts TikTok - https://www.tiktok.com/@fantasypts #FantasyFootball #2025Rankings #FantasyFootballAdvice #NFL #FantasyFootball #StartSit #Week7 #FantasyFootballAdvice #FantasyFootball2025 #Sleepers #MustStart #FantasyFootballPodcast #FantasyPoints Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to Fantasy Focus! Daniel Dopp, Field Yates, and Mike Clay are here to get you ready for week 8 of the fantasy football season. After officially hitting the halfway mark, the crew breaks down players they have the highest and lowest confidence in for the rest of the season. Can Quinshon Judkins continue an impressive rookie season? Will Jaylen Waddle break out for the Dolphins? Can wideouts Chris Olave or Rome Odunze continue to be must-starts? Plus, Field in the blanks returns as Field Yates breaks down the latest trends and projections in fantasy. 00:00 - Intro and Welcome In 02:58 - Mike Clay hits on a long shot! 06:00 - Week 8 Confidence Meter 39:28 - Field in the Blanks 57:54 - Starts of the week punishment 59:53 - Mailbag Questions Learn more about your ad choices. Visit podcastchoices.com/adchoices
This week we're sharing the story of how we became influencers and why we decided to retire from it over the past few years. There are so many pros and cons to this career path that we don't hear talked about often enough. In this episode, we'll share our experiences as well as any advice for anyone considering going into influencing. Thank you to this week's sponsor: You can try OneSkin with 15% off using code “MESS” at oneskin.co. Pros of influencing: Working with favorite brands Getting paid to craft Pairs well with other jobs Cons of influencing: Mean comments Risky career Not a steady paycheck Tips for being an influencer: Think of your business like a table - it needs a lot of legs to stand up right Invest your money Build something you can keep later Have a newsletter You can support us by leaving us a couple of 5 star recipe reviews this week at abeautifulmess.com Have a topic idea for the podcast? Write in to us at podcast@abeautifulmess.com or leave us a voicemail at 417-893-0011.