Podcasts about Schwab

Paul Cecil of ReAlpha shares how AI, commission rebates, and acquisitions are disrupting home buying—and what it means for buyers and investors.In this episode of RealDealChat, Jack sits down with Paul Cecil, President of ReAlpha (NASDAQ: AIRE), to discuss how his company is transforming real estate through AI and innovative business models.Paul explains how ReAlpha offers up to 80% of the buy-side commission back to buyers, why technology can make homes more affordable, and how acquisitions are helping them build an end-to-end home buying platform.Here's what you'll learn in this conversation:How AI assistant “Claire” helps homebuyers search, ask questions & compare propertiesWhy ReAlpha passes up to 80% of commissions back to buyersHow commission rebates can lower interest rates, fund closing costs, or even buy furnitureThe impact of the NAR lawsuit on real estate commissionsWhy 86% of renters can afford to buy (and how ReAlpha helps them get there)Current market challenges: record-high prices, aging buyers, and affordability crisisHow acquisitions in mortgage, title & tech build a seamless buyer experienceLessons from going public on NASDAQ and pivoting business modelsWhy investors should embrace tech instead of ignoring it

Unity isn't just a buzzword. It's the foundation for business growth and community impact. In this episode of Building Texas Business, I sit down with Jeff Williams, president of Graham Associates, to talk about how bringing people together drives both engineering success and civic transformation. Working with his firm who design iconic Texas projects including AT&T Stadium and Southlake Town Square, and during his three terms as Arlington mayor, he demonstrats how unity principles scale from boardroom to city hall. Jeff shares his approach to bridging generational divides through Friday "High Five" meetings that transformed skeptical baby boomers and millennials into collaborative teammates. His engineering firm rebuilt their office culture post-COVID by creating collaboration spaces and displaying core values throughout their workspace, showing employees they're not just designing roads but contributing to state-of-the-art hospitals. When people understand their larger purpose, engagement naturally follows. His upcoming book "The Unity Blueprint" captures lessons from leading Arlington through the pandemic faster than any other U.S. city, according to NYU research, and emphasizes that modern leadership requires teaching over commanding, with trust and value as non-negotiables for today's workforce. Success comes from transforming "my plan" into "our plan" through genuine input and buy-in, whether you're managing engineers or running a city. This conversation reveals how Texas businesses thrive by embracing partnerships over politics, with Jeff's $8 million citywide rideshare solution versus $50 million per mile for light rail proving that innovation beats tradition when unity guides decisions. SHOW HIGHLIGHTS Discover how weekly "High Five" meetings turned skeptical senior engineers into collaboration champions, bridging baby boomers and millennials Jeff details how Arlington saved millions by implementing $8 million annual autonomous rideshare instead of $50 million per mile light rail Learn why being the first U.S. city to run autonomous shuttles attracted Uber, Lyft, and Via to compete for Arlington's contract Hear how post-COVID office renovations with collaboration spaces and visible core values brought remote workers back to rebuild culture Jeff shares how a devastating referendum loss taught him that expertise means nothing if political consultants silence your voice Understand why the Medal of Honor Museum chose Arlington over Washington D.C.—Texas builds in years what takes decades elsewhere LINKSShow Notes Previous Episodes About BoyarMiller About Graham Associates GUESTS Jeff WilliamsAbout Jeff TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Chris: In this episode, you'll meet Jeff Williams, CEO of Graham Associates and former mayor of Arlington, Texas. Jeff stresses the power of creating unity within a company to foster a strong culture and how training and developing your people it's critical to success. Jeff, I want to thank you for taking the time and welcome to Building Texas Business. It's great to be here. Jeff: Chris, it's always great to talk about Texas and especially business. Chris: Yes. So let's start with just introducing yourself and tell us what it is you do. What's your company known for? Jeff: Well, I own a civil engineering firm and we build communities. We design public infrastructure, highways, roads, utilities, but we also do sports facilities, churches, schools there. We've done a lot of different things. Some of our projects you might recognize in at and t Stadium, we were the civil engineers for it. And yes, we did work with the Jones family and we also also know Chris: Is Jerry World, right? Jeff: Absolutely. And it was an exciting project to work on and then it's amazing how well it's aged and still the top special event center here in the country. But then we've had South Lake Town Square, which was kind of the granddaddy of all of the town centers that's here and a really special place. Nebraska Furniture Mark. We got to work for Warren Buffett there and doing his grand scape development here in the Metroplex. But then we've also, we have Prestonwood Baptist Church, which one of the largest churches in the Southwest. So rewarding to be able to do that. And then we've got Westlake Academy, actually Westlake, Texas. We actually got to start from scratch there. It was a town that we got in on the very beginning. They had one subdivision and now they've got Fidelity's headquarters. Schwab is there, Deloitte, and then Viro, one of the most upscale developments in the state of Texas. So those are some of the fun projects that we've gotten to do. I think it's very rewarding. Chris: Yeah, no, I mean it sounds not just fun but impactful and kind of be able to look around and see how you've changed the landscape of your community, Jeff: Chris. That is so, so true. There's nothing better than to be able to take your family and friends to be able to show them what you've done, but even more importantly, to actually be at one of your projects and see people coming together and families enjoying a special place that we created. And of course that moves to unity and that's one of the things that I have grown to value more than anything else is bringing people together to make a difference. That's great. Well, Chris: We have the benefit here at Warrior Miller represent a lot of very successful real estate developers. And so I think I know our real estate team feels the same way is right working with the client to bring projects like that together and being able to, the benefit of doing the legal work for that and just see to go by years later and go, we worked on that project or that park or that building or that community center is really rewarding stuff. Jeff: Really is the mission of our company is to be an integral partner in building communities. Chris: I like that. So let's talk a little, I mean, what was the inspiration? Obviously you're engineer I guess by education, but what's been the inspiration for you to stay in this industry and build the company that you've Jeff: Built? Well, we just hit it. I feel like it's such an important part of being able to build these communities for people to live, work and play in. And then that actually led me to being actually recruited to run for mayor here in Arlington and to serve there. I served three terms as mayor. That's very unusual for engineers to move into that. I didn't realize it until after I was elected and there aren't many engineers that do that. But however, as an engineer, we have designed public infrastructure. We have to sell our projects to the citizens so many times we also understand schedules and budgets and being able to work through that. And so it really was a great fit for me there, although it's very challenging and people go, well, why would you do that? Well, the reason we'd do it, it's rewarding. It's the most rewarding job I've ever had. But it also is the hardest because you're working with so many different people. But it really increased my awareness that the last thing we need to be doing is to be having dissension and conflict all the time. Instead, we need to be bringing people together to make a difference and actually work on projects that can actually, people can get behind and have passion and discover their purpose. And then of course, the results of that have been actually to forge friendships. Chris: So I guess, how have you taken some of those lessons and lessons along the way and incorporated them into the company at Graham Associates to kind of build the team there? Jeff: Well, as I came out of serving as mayor, I ended my last term in 2021. We'd come out of the pandemic. There still were the lingering effects of it. People wanted to work from home. So however, in our business, in so many businesses, teamwork is a big part of what we need. Chris: Absolutely. Jeff: I read everything I could get ahold of because we are at the beginning of a technology revolution, but we also have societal changes that happen every few months or perhaps even sometimes monthly. So I needed to understand the young people, but also needed to figure out how to create an atmosphere to where our people wanted to be. So literally our offices, we redid everything in the way of so that we could be a very inviting place that our employees could be proud of, but also that our clients would want to come because those face-to-face meetings are still important. And then part of that impact too was that we try to create special places for collaboration and we have several collaboration rooms there. And so that was a key. But also in our Collins areas, we wanted to be uplifting. So in our kitchens we have those stocked, but we also put up positive phrases there that really epitomize our core values and we have our core values that our employees actually fed into. They're displayed everywhere. But then I ran into a roadblock because our older engineers said, Hey, why are we doing all of this? And then we started in on doing a Friday staff meeting where everyone came together and we call it our high five meeting, an opportunity for us to encourage each other and to be able to share some of the stories that happened that week. And man, my older engineer said, man, that's a whole hour of billable time that we could be having. And they didn't like it at all for the first couple of months. And then magic started happening. They started getting to know each other better. And so I had millennials getting along with the older baby boomers, they're an understanding each other and now they all look forward to it. And we do soft skill training and IT team building there also. But it is a time that we all look forward to and it built that camaraderie because we need teamwork and it helps to get them there. And so then I still allow my people to work one day a week at all. But then our project managers actually make the decision on how much more if someone wants to work from home more because it depends on the project and what we've got going, but yet our team understands now that they've got to be able to build those relationships. Well, I like what you pointed Chris: Out there is it's not a one size fits all game. You got to be flexible and listen. And I think as leaders, if you can communicate that so that your employees understand that they'll understand when you can't be as flexible as maybe they would like because the circumstances don't warrant that. But then when you can, you allow it, Jeff: Chris. That is so true, and you've got to value people and be able to listen to them. No longer can a manager when they ask you, why are we doing something? Because you can't say because I said so. Chris: No, Jeff: It's Chris: Because it's the way we've always done it. Jeff: Oh yes, that's another great line. That is a dinosaur that can't act more. But it's actually exciting to be able to share with our people why we're doing things and to be able to understand the big picture of that, Hey, this isn't that You're just designing a roadway to a hospital. You are contributing to the overall wellbeing of actually being a part of the team that constructs a state-of-the-art hospital that, Chris: Well, I think the other thing you've discovered, we see it here. It was certainly part of our culture before COVID and it's become an important part post COVID to regain connection. And that's getting people together in community, in the office, lunches, happy hours, breakfast, whatever, because then you use the word magic started to happen. I think that's right, that as we gain connection with our coworkers, that helps with retention, it helps with collaboration because we get to know each other a little better. Especially important I think not just in a post COVID world, but in the multi-generational office that we're dealing with. Right? Four and five generations in one office together don't necessarily see things eye to eye, but if you get to know somebody, you can break those barriers. Jeff: That's right. And that leads to something else that I've discovered. Even if you're an introvert and you think you don't need other people, it is amazing because God made us to live in community. And when you're coming together and aligning people with a purpose and you are working together, suddenly those barriers get broken down. And it doesn't matter the age difference, the color of your skin, all of those differences disappear because you're working together to make a difference. And suddenly, again, I'll mention you end up with friendships that are forged. In fact, if you think about it, probably your best friends are the ones that you worked on a project with. It might be for school, for church or in your work. And certainly it's awesome to be able to forge great friendships at your workplace. Chris: I love it. We haven't used the word really much, but it sounds like you're defining the culture that you're trying to build and nurture there. How would you describe the culture and anything else other than these kind of high five meetings and such that you're doing to try to help nurture the culture? Jeff: Well, I think the other part to round it out is that we have got to be focused on teaching and training. I think the culture has really got to be a teaching atmosphere. People don't respond to that type A manager that is forceful and raises their voice and all of that. It's more they've got to see that you value them, each one of these employees do. But then also it's not just in how you truth them. You need to take action in teaching and training them and show them how they are going to be able to help themselves and help the team overall by learning. And then of course, we also have to create that accountability because we aren't professional teachers. In fact, no matter what business we're in, most of us are not professional teachers. So we need our employees to be willing to ask questions and to be willing to be vulnerable, say, I really don't understand this. I need help on this. And that's where it's got to be a two-way street, but yet you cannot. You got to really foster that culture where they are willing to ask questions and to let you know that they don't know it there. But then we have the ability to focus in on what do they not understand and be able to get that training to help fill in that hole. Chris: Yeah, that's so important. So true. Let's just talk a little bit about technology and innovation. What are some of the things that you see and that you've tried to incorporate there from an innovative way of doing your work or how technology's changing the trends of how you go about your work? Jeff: Well, Chris, this is one of my favorite topics, and of course no surprise with me being an engineer, but we are really at the beginning of a technology revolution. In fact, I'll never forget, a few years ago I heard the head of IBM technology that was actually out of Belgium, and he said exactly that We are at the beginning of a technology revolution like the world has never seen, and we are going to see more change than we have ever experienced. Well, there is a little bit of a problem because most people don't like change. And yet we have got to be willing to adapt to that. And I challenge our engineers throughout when I'm speaking to engineering groups. So you guys have got to take the lead in that we, engineers are typically very conservative. They find a great way to do something or they want to stick with it. But however, because of new technology, we've got to be researching that technology. We've got to be looking to see what technology is good, what is not. We even need to be helping in the regulation of it. And so consequently, I'll say this, we have got to be researching AI and software that is coming out constantly. I have two people dedicated to that. Larger firms probably have whole departments that are dedicated because we have an opportunity to be able to do things better faster, but we've got to be able to be competitive. I don't want to wake up one day and all my competitors are being able to do things 30% cheaper than I can and beating my price point and actually able to serve the clients better. And I do equate it to when computers really came online in the eighties, we were all worried about, well, are we going to have a job? Oh, well. And then others would say, well, we're only going to work three days a week now because of computers. No, we saw ourselves become more productive and we will become more productive with AI and other technologies, but also even with the technology being able to incorporate how you use it. I'll give you an example of that. When I was serving as mayor, we were the first city in America to run an autonomous shuttle, a driverless shuttle there on a public streets. And it was amazing at work that we were all scared of it, but we actually challenged our city staff to be looking at new technologies that we could use to be able for transportation. And we said, Hey, let's open up our city as a laboratory. And so consequently, our staff came up with the idea that we really could have Uber and Lyft type process and actually have driverless shuttles that are seven passenger vans that could be going out throughout our city in a very cost effective way. That'd be much cheaper than high speed rail or light rail there. Of course, high speed rail is still a ways off. But anyway, long story short, we went out and did an RFQ, Uber, Lyft and a accompanied by the name of Via all proposed on it. And we ended up being the first city in America to implement technology rideshare and then added the autonomous vehicle to it. And now cities across America are doing that. And instead of paying 50 million a mile for light rail, we are end up calling actually covering our whole city 99 square miles for $8 million a year. It's an amazing thing and very cost effective. Everybody's business. We've got to look at how can we do things different and more cost effective utilizing the technology. Chris: Let's talk about a corollary to that. What are some of the trends you're seeing in your industry that we should be prepared for and maybe how is being based in Texas influencing those trends? Jeff: Well, it's growth, Chris. The growth is a big change in our business there because in growth is so big and so consequently the biggest resource we need or people, it's not, we can all buy our software, we can all buy our computers, but it's really about people. Every business I talk to, it's all about finding those people and then yet we've got to be willing to train them up there. And of course, really when you're hiring experienced people, many times that's just a stop gap because they don't quite fit what you need. So I think the big change that we're seeing trend that businesses are needing to train their workforce up and do that as fast as you can because we need more people to be able to fill those positions. So again, we've got to become teachers, we've got to be able to be efficient. And then I still think one of the biggest challenges in business and really in fact in America is that we have so much dissension. People have a tough time getting along with each other. Arguments come up and then suddenly that cancel culture comes and there's no forgiveness. It's I'm done with you. And that is a poison for business there. And none of us as managers want to spend all our time in conflict resolution. So to that, right? Chris: One of the things I talk about a lot is that if we can remember to give grace in the business world, we do have a personal life a lot, but for some reason we get into, then we think we switch and put the corporate hat on or business hat on and we kind of forget that. I think that is an important aspect to remember, to your point, it helps diffuse conflict. We're imperfect human beings. And so learning to have accountability but also with a touch of grace can help resolve conflict, avoid conflict mitigated in the workplace. Jeff: That's so true. Chris. I had an interesting thing happen along these same lines as New York University actually studied Arlington when I was mayor, and they got attracted initially that we had become the sports capital of the nation, but yet they looked at how we did things. And I needed help as a mayor, so I sought out people. I needed experts, I needed people that would work. I needed input from our citizens. And so we ended up working together to accomplish a lot of things. We had to work to keep the Texas Rangers here in town. There were a lot of other cities that wanted to move them out of our community. We also had not been bringing in jobs there. And in 2014, the year before I came in, the big headlines read that the DFW Metropolitan area had created more jobs in any other metropolitan area in the country, and Arlington was not doing that. And so we had to jumpstart that economy and then yet I needed to unite our leaders and we did that. And throughout the pandemic and so forth, New York University studied us and they believed we came out of the pandemic quicker than any other city in America, both physically and economically. And so they encouraged me to write a book on Unity and how you did it. And they also then took it a step further and they went to Forbes and I ended up signing a book contract with Forbes and were releasing the Unity Blueprint on September the ninth. That really is that plan. Therefore being able to bring people together in both your personal life, your life, and then even our civic involvement and so forth there. And that has been a big change for me really since I came into office. I always valued people, but now getting it, taking it to the next step of unity because how much time is wasted there when your employees are fighting with each other or arguing and then it's a lasting effect. They never work together as well. And so working and creating that culture and actually adding forgiveness to your core value I think is a very important thing. But then also getting people to adopt character values themselves, to have a foundation that they can work with. And when you see people working to be a person of character, there can be forgiveness, but there's not much room for forgiveness when it's constantly on the other person. It's a tough deal. Right. Well, Chris: I didn't realize about the book. That sounds, I'm excited to see it and read it, and I don't know if there's anything that kind of comes out of that as a tidbit that you might be able to share with us now the listeners about maybe obviously the lessons you've learned along the way, kind of that something that you've incorporated into your kind of leadership style that has helped foster unity within the organizations you've run. Jeff: Always amazed when a person gets appointed president of his company or gets elected to a position and many times they don't have a plan. And then in addition to that, if they do have a plan, many times they didn't get any input on it. They literally concocted a plan of their own versus the opportunity for you to work on a vision and a plan after you have researched it, and then you take it to your employees and get feedback from them. And suddenly that plan transforms from your plan to our plan. And it's amazing when you get that buy-in, how it can really work together, and you're not having to sell your plan all the time. They're doing it for you, and it makes all the difference. I'm very excited about being able to move out there around the country and pushing towards unity as a matter of fact, and our book has already reached the number one new release by Amazon. They're in both business and Christian leadership, so I'm pumped about that. That's awesome. Congratulations. But we're not perfect people. We all need the space, but if you're employees can see that you're working towards it, if your fellow employees can see you are working towards being that person of character and wanting to do it. Now, we landed in the middle of honor museum here in Arlington there. We were in a 20 city competition for that, and it's probably one of the greatest things I've ever been involved in. We had a six month journey there and competing against the other cities and it was a national museum. And you go, well, why didn't they go to Washington dc? Well, the reason they didn't is going to take 20 years to get it built. And we in Texas here, can get things built quick, can't we? Right. You've got great contractors, architects, engineers to make that happen. And real estate people, Chris real estate people, government. Chris: That wants to get stuff done, right? That's right. Yeah. Rather than being an impediment to getting stuff done. Jeff: Well, the middle of honor museum or the Medal of Honor recipients that were leading that recognize that very thing, they also saw that we are the center of patriotism and we can get things done. We have a track record do it. Chris: I had there's, we could do a whole episode I think just on that museum. I had the privilege, Texas Capital Bank did a little Texas tour and they hosted something here in Houston that I was invited to all about the museum, what it is, how it came about. Very unique, very special, very proud that it's going to be in Texas and hopefully more people will take time to get to know what this is all about and then go visit it once it opens. Jeff: Well, the thing that surprised me is when I actually visited with these Living Medal of Honor recipients, and each one of them has pledged to spend the rest of their life making more of a difference there. And what they're doing is they are pushing character values, integrity, sacrifice, courage, commitment, citizenship and patriotism. Well, that's what all of us need. And currently the state board of education here in Texas has adopted a two week curriculum that our students will study in school and then they'll be able to take a field trip to the museum or a virtual field trip. And I think that's gotten everybody excited that that is happening. And then of course, it's not just the youth, our adults too. So there are adult programs that are going on, but it had me reassess my core values. It had me to, I really wanted to reassess my character values and so forth. And in business it always starts with you got to do what you say you're going to do. But then I had an interesting thing happen and I pretty well knew the answer when I asked it, but I was speaking to 20 Chick-fil-A managers, and of course Chick-fil-A is number one in service, aren't they? Chris: Right? Jeff: I asked them, I said, guys, what are you looking for and you're leader? And they immediately spoke up and they said, we are looking for a leader that we can trust, and then we're looking for a leader that values us. I think that's where it starts for us then in Texas. We know that we get that right and we believe in partnerships and collaboration, and I think that separates us from so many other places in the country. Chris: So kind of tagging on with leadership, lots of theories and about how to become a leader, how to grow as a leader. I think you hit it on the nail on the head when you said you got to be a man of your word or a person of your word. Do what you say you're going to do when you say you're going to do it. It's kind of a foundational element, but I know from my own personal experience and talking to others, we learn a lot as leaders from mistakes we've made. And I'm just curious to know if you could share one of those rather than a mistake. I call it a learning moment where it didn't go as planned, but you learned from that and from that it actually probably accelerated your leadership skills because of it. Jeff: Yes, no doubt about it. That's very easy for me to say because one of the biggest disappointments I had in my career is we had worked on a Johnson Creek Greenway here in Arlington. It was a nine mile creek beautiful creek, and we also were going to be doing a river walk in the entertainment district around those stadiums and so forth. And we had done all the preliminary planning there. It got through the core of engineers, and we also had held major charettes. We were winning awards from all over the country. I was actually traveling and speaking on that. I had an incredible partner with me, a guy by the name of Jim Richards. I loved working with our team and I thought, this is what I'm going to be doing the next 10 years. But however, the city had to pass a sales tax selection to fund the project, and they hired a political consultant that came in and said, Hey, I think you guys ought to attach an arts referendum on this. The Johnson Creek project is so popular, the Riverwalk will go, let's attach that to it. And then there was one other thing that came in that was so unique, and that was that some of our people had actually gotten a agreement with Smithsonian to build a branch museum on this Johnson Creek river wall. And so they put that on the agenda there for an election, but the political consultants said, we don't want anybody doing anything. They said, we do not want Jeff Williams and my other partner going out and speaking, what if you make a mistake and you say the wrong thing or you stir people up? And then they also did not really realize that our refer referendum was very popular. We lost that election by a few hundred loaves. It was one of the most devastating things. And it's taken 20 years. A lot of it's been And it changed my whole career there because I had to study why did this happen? How did it happen? And I said, I have got to learn about how to handle sales tax and bond elections. And so I studied hard and in fact, I learned a lot on the Cowboys sales tax election because we had that coming up a few years after that. And we were prepared when we got into the Cowboys sales tax election. And I ran several school and city bond elections after that. There's times when you have to learn more and to be able to take control. And little did I know that it's going to prepare me for serving as mayor later on too. But I'll never forget, in 2008, we had a recession and y'all may recall that. And we had a bond program going on for public works and parks, and I was not mayor then of just engineer. And we were in trouble because if we didn't get these road projects through, and actually some of these parts projects, we had buildings that were in badly needed repair wreck centers, so forth, we had to again, engage more people and raise more money. And we went ahead with that sales tax or I should say bond program, and we were able to get it passed in the midst of that. And again, I think unity and learning about knowledge there played a huge pull. I'm a big researcher. I love to, and there are so many books out there, but also generally we never come up. We think that we come up with some creative idea that no one has ever done well, especially in business. Somebody has done it. Find them, find and you can learn from their mistakes and hopefully not make your own, but also learn from their successes. But great question, Chris. Chris: Yeah, no, you're so right. I mean, I tell people never stop learning. Be curious. We learn from our mistakes. We can learn from others and we can learn from our successes because sometimes we're successful despite ourselves or despite the plan. Lots of people will tell you it's good to be lucky every now and again. So sometimes that happens. But if you take the time to learn the why behind the success or the failure you will have learning and then that learning you will grow from Jeff: You just spur the thought that I think is so important as you are a success as you grow in your success in business. There, the ego definitely comes up. And then we all know that we've got to be careful and be humble, but I want to create a definition for humbleness because so many times when we hear humble, it goes, oh, well, you need to be modest. You never to don't need to show that confidence and so forth are really, I think the important thing about humbleness is that you need to realize that you are vulnerable and that we need other people. And you can't do it alone and you don't need to do it alone because you'll not really succeed as well. So as a leader, you walk along a cliff every day and we need people to be able to keep us from falling off. And I think you've got to continue to remember that every step of the way and there's always somebody that has a better idea. Let's go find it. Chris: Yeah, that's great. Jeff, this has been a great conversation. Just love your insights and your input. Can't wait to see the book. Unity. I want to turn just a little before we wrap up, is there a favorite spot in Texas that enjoy visiting or just kind of think about when are not doing all the engineering work and planning communities? Jeff: I love Texas. There are so many rural areas and cities, but I've got to share with you about three quick ones right here. One, Arlington, Texas has become the destination between Orlando and Vegas. And it is amazing how you can come now to the metroplex and you can see all kinds of events that are taking place there in our stadiums. And it may not be sporting, it may be concerts, it may be wrestling, who knows what it may be there going on. But then also we have the premier park in the state of Texas, I believe in River Legacy Parks, 1300 acres on the Trinity River bottoms and all of the tree growth and everything is still there. Amazing place with a world-class nature center there in it. But then you can go to Fort Worth and experience the Texas experience, the Stockyards, and then the world-class museum. And so we do staycations here because we don't want to take advantage of that. But then I'll hit two others real quick. Lubbock, Texas, I know you're going to go what in the world? Check out that restaurant scene and check out the music scene that is out there. And then Tex always got things going on, but of course we love Austin, San Antonio there in particular, Fredericksburg, east Texas and Tyler is awesome, but we have found a great beach in Port Aransas, har cinnamon chores for sure. We love it Chris: A lot to offer, right? Big state. A lot to offer. We accommodate all types and tastes. Right. Well that's one of the things I love about the state of Texas is if you can kind of find anything that any interest you have, we can satisfied. Jeff: That's right. That's Chris: Maybe not snow skiing. We hadn't figured that one out yet. But other than that, I think we got you covered. Jeff: Yeah, that's right. And of course Colorado's worried Texans are going to take over Colorado. We do head up there to do our skiing Chris: For sure. Okay, last question. Do you prefer Tex-Mex or barbecue? Jeff: Oh my goodness. I hate to make this choice, but I've got to talk barbecue. We have a really neat story here in Arlington with Harto Barbecue. This was a guy that was a backyard barbecue or Brandon, he's Texas monthly now has him in the top 50. But it was really neat. We had the first neutral World Series here in Arlington. You remember during the pandemic they picked us to in the LA Dodgers in Tampa came to town. The LA Dodgers found the small little barbecue spot of Hertado here in downtown Arlington and it went viral. They put it on social media. Everybody found Brandon Hertado, including Taylor Sheridan and Taylor Sheridan with Ellison started having him out to his parties and now he signed an agreement with four six's ranch that Taylor owns to supply the beef. And he's now got several restaurants. It's just a really neat story. And how many times is it so fun for us in Texas to discover that next new barbecue spot? Got 'em all over the place. It's awesome. That is a cool Chris: Story. I've not heard of that, but now I'm going to have to go try some, so love it. Well, Jeff, this has been great. I really appreciate you taking the time, love your story and just congratulations for all the success you've had, and I know you'll continue to that into the future. Jeff: Thank you, Chris, and look forward to continuing this relationship. And thank you for what you're doing here on the podcast. Chris: Absolutely. Jeff: And remember, let's build Unity and the Unity blueprint. Special Guest: Jeff Williams.

Klaus Schwab is OUT — and Larry Fink has stepped into the spotlight at the World Economic Forum. What does this power shift mean for the future of the WEF and its global agenda? In this video, we break down the truth behind Schwab's exit, the rise of Larry Fink, and why it matters for everyone watching the moves of global elites. From stakeholder capitalism to the WEF's vision for the future, Larry Fink's influence as the head of BlackRock and now as one of the new leaders of the World Economic Forum reveals just how deep this shift goes. Is this the start of a new era for the WEF — or just the next phase of the same globalist plan? Visit https://ao.gold/ihc/ — where Alpha Omega Gold is giving IHC viewers a free Precious Metals Navigation Guide to help you safeguard and grow your wealth!

Duas mulheres aceleradas dão nisto: a conversa mais longa que tive neste podcast, e que – e sou suspeita – fez jus ao nome: vale(u) a pena.Falámos de muita coisa mas, sobretudo, sobre (muitos) livros. Espero que gostem.Os livros que a Mariana escolheu:A Educação de Eleanor, Gail Honeyman;Sou Um Crime: Nascer e Crescer no Apartheid, Trevor Noah;A Guerra dos Tronos, George R.R. Martin.Outra referências/recomendações:A Vida Invisível de Addie Le Rue, V.E. Schwab;O Senhor dos Anéis, J. R. R. Tolkien;Juliet Marillier;A trilogia da Leila Slimani:O País dos Outros;Vejam como Dançamos;Levarei o Fogo Comigo.O Rouxinol, Kristin Hannah;Eliete, Dulce Maria Cardoso;Tudo é Rio, Carla Madeira;Os policiais do Lourenço Seruya;Tati Bernardi:A Louca sou eu;Você nunca mais vai ficar sozinha.Talvez devesses falar com alguém, Lori Gottlieb;Homem-Objeto e Outras Coisas sobre Ser Mulher, Tati Bernardi.Recomendei:Joe Abercrombie;As mensageiras da esperança, Jojo Moyes;Lições de Química, Bonnie Garmus;O Ano do Sim, Shonda Rhimes;Jogos dos Deuses, Abigail Owen;O que ofereci:Há Mães Muito Piores do que Tu, Glenn Boozan, ilustrações Priscilla Witte;Corte de espinhos e rosas, Sarah J. Maas.Podcast que recomendou:What now? with Trevor Noah.Os livros aqui:www.wook.pt

Don't forget to grab your free book! www.TheMichaelBlank.com/QRPMost people don't know this—but you can invest your IRA or 401(k) in real estate instead of leaving it trapped in mutual funds. In this episode, I'm joined by Damion Lupo, founder of eQRP, to explain exactly how to unlock your retirement savings and use them to invest in apartments, storage, and more. We walk through the process step-by-step, dispel common myths, and show you how to avoid one of the biggest tax traps most investors don't even see coming: UBIT. Whether you're a passive investor or a GP raising capital, this is a must-listen.Key TakeawaysWhy Most Investors Don't Know About ThisFinancial advisors don't promote these options because they lose fees when you take control.Most investors have old 401(k)s or IRAs they've forgotten about—but those funds are eligible for self-direction.Online platforms like Schwab and Fidelity won't show you the option to invest in real estate—you have to know to ask.How Self-Directed Accounts Actually WorkSelf-directed IRAs and solo 401(k)s give you full control—you can invest in real estate, crypto, gold, and more.The right setup gives you checkbook control and removes delays caused by custodians.Solo 401(k)s (like EQRPs) offer faster transactions, better flexibility, and fewer limitations than traditional IRAs.The UBIT Tax Trap—and How to Avoid ItUsing leverage in real estate deals inside a self-directed IRA can trigger UBIT—up to 40% in surprise taxes.Solo 401(k)s are exempt from UBIT, even in leveraged deals.You can convert from an IRA to a solo 401(k) before the deal sells to avoid the tax completely.Smart Strategies for Passive and Active InvestorsPassive investors can use these accounts to invest in syndications—earning tax-free or tax-deferred returns.Active investors (GPs) can raise more capital by educating others on how to invest through their retirement accounts.Damion's team offers tools like books, webinars, and white-glove onboarding to help GPs guide investors through the process.Rules, Limits, and Legacy PlanningYou can't use these accounts to buy personal assets, rehab your own property, or benefit directly from the investment.You can borrow up to $50K from your solo 401(k) for any reason and pay yourself back—with interest you choose.Setting up retirement accounts for parents or family members can create powerful tax-free legacy wealth.Roth solo 401(k)s allow real estate investing with leverage and no taxes on gains—making them the most powerful tool in the tax code.Connect with Damion LupoGET A FREE BOOK www.TheMichaelBlank.com/QRP Connect with MichaelFacebookInstagramYouTubeTikTokResourcesTheFreedomPodcast.com Access the #1 FREE Apartment Investing Course (Apartments 101)

When we last spoke to Luxury Escapes co-founder Adam Schwab, back in 2020, the online business had hit almost $500 million in sales. Today the luxury deals and discounts travel brand is ringing up over $1 billion in sales revenue, a doubling in 5 years. And it’s founder says it’s growing profitably, adding not only retail outlets, but Loyalty programs as well, to its online offering for travellers. Adam says he’s learned a heck of a lot in that time… hope you enjoy Adam Schwab.See omnystudio.com/listener for privacy information.

August's jobs report showed that the labor market is slowing, with only 22,000 jobs created—significantly fewer than the 75,000 expected. The news about the sluggish job market comes as Wall Street and Main Street grapple with uncertain economic conditions and fresh questions about tariffs. A federal appellate court is throwing out most of President Trump's tariffs, though the decision is on hold until mid-October, meaning tariffs are still being collected for now. The President hopes the Supreme Court will weigh in and uphold his tariff policies. Gary Kaltbaum, president of Kaltbaum Capital Management and a Fox Business contributor, joins Fox Business's Lydia Hu to break down the jobs report and explain why he thinks tariffs and other factors are making employers reluctant to hire. Then, Lydia speaks with Jeffrey Schwab, senior counsel and director of litigation at the Liberty Justice Center, who is representing some of the small companies legally challenging the administration's Trump policies. Schwab explains why the president's implementation of his trade policy is unconstitutional and how those tariffs are harming his clients. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this Friday Q&A edition, Don fields listener questions on rolling over a large 401(k) after a layoff, whether IRA money should ever be used to buy real estate, Vanguard's new active ETF offerings, choosing between Vanguard and Schwab 2035 target-date funds, and whether to treat a foreign apartment purchase as part of an investment portfolio. Along the way, he highlights diversification benefits, cautions against high-cost self-directed IRAs, and emphasizes that homes are assets but not investments. 0:04 Friday intro, royal “we,” and reminder on how to submit questions 1:42 Scott from Louisiana: rolling over a $1M retirement account after layoff 4:07 Scott's follow-up: using IRA funds to buy real estate 5:42 Caller asks about Vanguard's new active ETFs and why indexes still win 8:02 Sylvia from Connecticut: comparing Vanguard vs Schwab 2035 target-date funds 11:12 Caller from Colombia: whether to factor a paid-off foreign apartment into portfolio allocation Learn more about your ad choices. Visit megaphone.fm/adchoices

In this conversation, Kathy Jones and Liz Ann Sonders discuss the current state of the housing market, the implications of potential Fed policy changes, and the broader economic indicators that could affect market expectations. They explore the complexities of housing affordability, the yield curve, and the potential impact of this week's job reports on both the equity and bond markets. The discussion highlights the interconnectedness of various economic factors and the uncertainty surrounding future market movements.Check out Liz Ann Sonders's and Kevin Gordon's recent housing article "Take the Long Way Home: Is Housing Bottoming?" On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(0925-9RZJ)

Episode #98 – Mike Schwab: Lights, Laughs & Local Skies This week I sit down with Mike Schwab — a writer, actor, comedian, and short film creator who also happens to spend part of his days observing the weather at the local airport. (Yes, that's a real job, and yes, it's exactly as cool as it sounds.) We talk about the creative grind: from the challenges of writing and producing short films to the rush of comedy and the craft of acting. Mike shares stories from the stage, the page, and behind the camera, giving us a glimpse into the unpredictable life of a storyteller. And because no conversation is complete without a plot twist, we dive into what it's like to track weather conditions for aviation safety. Spoiler: it involves more than just looking out the window and guessing if it'll rain. In this episode we cover: ·         The joys and chaos of writing and performing comedy ·         How short films test every ounce of creativity ·         What actors bring to the table beyond the script ·         Life lessons from balancing art and a “day job” at the airport ·         Observing the weather and chasing tornados Connect with Mike Schwab:Mike Schwab on LinkedIn

August's jobs report showed that the labor market is slowing, with only 22,000 jobs created—significantly fewer than the 75,000 expected. The news about the sluggish job market comes as Wall Street and Main Street grapple with uncertain economic conditions and fresh questions about tariffs. A federal appellate court is throwing out most of President Trump's tariffs, though the decision is on hold until mid-October, meaning tariffs are still being collected for now. The President hopes the Supreme Court will weigh in and uphold his tariff policies. Gary Kaltbaum, president of Kaltbaum Capital Management and a Fox Business contributor, joins Fox Business's Lydia Hu to break down the jobs report and explain why he thinks tariffs and other factors are making employers reluctant to hire. Then, Lydia speaks with Jeffrey Schwab, senior counsel and director of litigation at the Liberty Justice Center, who is representing some of the small companies legally challenging the administration's Trump policies. Schwab explains why the president's implementation of his trade policy is unconstitutional and how those tariffs are harming his clients. Learn more about your ad choices. Visit podcastchoices.com/adchoices

August's jobs report showed that the labor market is slowing, with only 22,000 jobs created—significantly fewer than the 75,000 expected. The news about the sluggish job market comes as Wall Street and Main Street grapple with uncertain economic conditions and fresh questions about tariffs. A federal appellate court is throwing out most of President Trump's tariffs, though the decision is on hold until mid-October, meaning tariffs are still being collected for now. The President hopes the Supreme Court will weigh in and uphold his tariff policies. Gary Kaltbaum, president of Kaltbaum Capital Management and a Fox Business contributor, joins Fox Business's Lydia Hu to break down the jobs report and explain why he thinks tariffs and other factors are making employers reluctant to hire. Then, Lydia speaks with Jeffrey Schwab, senior counsel and director of litigation at the Liberty Justice Center, who is representing some of the small companies legally challenging the administration's Trump policies. Schwab explains why the president's implementation of his trade policy is unconstitutional and how those tariffs are harming his clients. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dave Schwab of Yahoo joins the show to talk all things NFL, including how the Lions are being overlooked this offseason, his list of contenders in both the AFC and NFC, and much more.See omnystudio.com/listener for privacy information.

In this episode, Maya breaks down the newest V.E. Schwab, Bury Our Bones in the Midnight Soil! Sierra Madre Golf https://sierramadregolf.com/?ref=mayag or use Code MAYAGSubscribe to the My Take newsletter that comes out every other friday: https://mytake.aweb.page/p/5c793f97-1177-42ff-a0a9-5c9f3b7313b1 My Take also has a Patreon, where every month there will be fun bonus content, including a book club, so it would mean the world if you could support us there! Connect with Maya:Instagram: https://www.instagram.com/_mytake/?hl=enPatreon: https://www.patreon.com/mytakepodWebsite: https://mytakepodcast.weebly.com/ 

Vom Meme-Account zum Wirtschaftsinfluencer – das ist die Geschichte von Niklas Schwab. Unter dem Namen „Hedgefonds Henning“ ist er mittlerweile Unternehmer im Bereich Wirtschaftscontent und Medien. Was als Spaß begann, ist heute ein ernstzunehmendes Business. Niklas nimmt uns mit auf seine Reise von den Memes in der Schulzeit bis zu seinen heutigen Unternehmen. Wir sprechen darüber, wie Social Media die Finanzbranche verändert und welche Lektionen Unternehmen daraus ziehen können. Wie können Firmen authentisch auf Social Media agieren? Welche Chancen und Risiken bietet der Einsatz von Künstlicher Intelligenz in der Content-Generierung? Freut euch auf spannende Insights – von einem Unternehmer, der Social Media wie kein anderer versteht. Wir beleuchten in dieser Episode:wie aus Memes von der Schulbank eine Unternehmensgruppe wurde,welche Rolle Social Media-Kanäle für Unternehmen spielen,wie man in der Finanzbranche auf Social Media auftritt,wie KI die Content-Branche beeinflusst,und vieles mehr... Viel Spaß beim Hören!***Mit dem Code CLOSE THE DEAL 20 % auf Datenräume von SS&C Intralinks sparen: http://bit.ly/4mquclV***Timestamps:(00:02:57) BWL-Studium(00:06:07) Master an der WHU & Start Hedgefonds Henning(00:11:00) Razor-Group vs. Master-Studium(00:17:40) Hedgefonds Henning(00:20:30) Face Reveal(00:26:07) Vom Meme-Account zum Business(00:33:22) Formate und Zusammenarbeit mit Funk(00:41:33) Unternehmensgruppe & Team(00:48:12) Rolle von KI im Content(00:53:32) Shitstorms & negative Reaktionen(00:55:22) Social Media in der Finanzbranche(01:01:28) Ausblick Social Media in der Finanzbranche(01:04:52) Tipps für Unternehmen & Personal Brands***Alle Links zur Folge:Kai Hesselmann auf LinkedIn: https://www.linkedin.com/in/kai-hesselmann-dealcircle/CLOSE THE DEAL auf LinkedIn: https://www.linkedin.com/company/closethedeal-podcastNiklas Schwab auf LinkedIn: https://www.linkedin.com/in/niklas-schwab/Hedgefonds Henning auf Instagram: https://www.instagram.com/hedgefonds.henning/Website CLOSE THE DEAL: https://dealcircle.com/ClosetheDeal/***AMBER ist die Plattform für sichere Unternehmensnachfolgen. Schaut bei AMBER vorbei, wenn ihr keinen relevanten Deal mehr verpassen oder die Reichweite eurer Verkaufsmandate zusätzlich erhöhen wollt: www.amber.deals***Du bist M&A-Berater im Small- oder Midcap-Segment und suchst einen Überblick über alle relevanten Deals? Jetzt schnell den

After you listen:Check out Chris's article "5 Questions to Ask Before a Big Purchase."Learn more about liquidating in "3 Mistakes to Avoid When Making a Large Portfolio Withdrawal."In this episode, host Mark Riepe walks through how to prepare for major purchases, both expected and unexpected. Senior Research Analyst Chris Kawashima joins Mark to break down the key considerations when deciding whether to fund a big expense with cash, invesments, or financing and to discuss the potential trade-offs of each approach.Learn practical strategies for planning large expenses, avoiding financial surprises, and making informed decisions that fit your unique goals. Whether you're saving for a car, the down payment on a new home, or an unexpected expense, Mark and Chris provide actionable insights to help you navigate these choices with confidence.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.​Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.0925-8CMP

The World Economic Forum has officially ended the Schwab era—and handed the reins of power to BlackRock CEO Larry Fink. From forced corporate behaviors to the rise of central bank digital currencies, the pieces of Revelation's prophecy are falling into place before our eyes. We'll analyze these events and much more while taking your calls on this open-line edition of the Endtime Show! 📱: It's never been easier to understand. Stream Only Source Network and access exclusive content: https://watch.osn.tv/browse 📚: Check out Jerusalem Prophecy College Online for less than $60 per course: https://jerusalemprophecycollege.com Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Liz Ann Sonders and Kathy Jones discuss the implications of political pressure on the Federal Reserve, particularly regarding the administration's attempts to influence monetary policy. They explore the potential risks of increased political control over the Fed, the current state of the bond and stock markets, and the importance of economic indicators such as labor market reports and inflation measures. Then, Kevin Gordon, director and senior investment strategist, joins Liz Ann to discuss the situation at the Fed, as well as the state of sectors and factors that could be sensitive to changes in interest rates. Kevin points out that housing is not acting as a traditional macro driver, and he explains the lack of correlation between mortgage rates and the fed funds rate.Finally, Kathy and Liz Ann discuss the data and economic indicators they will be watching in the coming week.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Currency trading is speculative, very volatile and not suitable for all investors.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(0825-6V35)

Inflation may not be in the headlines like it was in 2022, but for most Americans, it's still public enemy number one when it comes to saving for retirement. A new Schwab survey reveals just how many people still feel unprepared and how that affects their confidence in their financial future. Schwab Survey: https://www.usatoday.com/story/money/personalfinance/2025/07/29/inflation-retirement-savings-survey/85413630007/ Contact: Great Lakes Retirement Website: http://www.greatlakesretirementsolutions.com/ Call: 989-401-2949

"Bury my bones in the midnight soil, plant them shallow and water them deep, and in my place will grow a feral rose, soft red petals hiding sharp white teeth." This week's conversation is anything but shallow. Listen in as Magda and Lindsay discuss V.E. Schwab's beautiful sapphic vampire tale, "Bury Our Bones in the Midnight Soil.”   Email us!  Literally Books Website Literally Books Instagram Magda's Instagram Lindsay's Instagram Literally Books YouTube Literally Books TikTok Intro & Outro Song: "Would it Kill You," courtesy of The Solder Thread   Books Mentioned in the Episode:  "Bury Our Bones in the Midnight Soil" by V.E. Schwab "Of Monsters and Mainframes" by Barbara Truelove "Martyr" by Kaveh Akbar "The Compound" by Aisling Rawle "The Wedding People" by Alison Espach "Real Americans" by Rachel Khong "Wuthering Heights" by Emile Bronte    

Murph catches up with Tyler Schwab, founder of Libertas International, for another talk to expose the brutal reality of human trafficking and the heroic fight to save victims. Tyler shares emotional updates on his nonprofit's work, the rescue of survivors, and the relentless challenges faced on the front lines. You'll hear raw, true crime stories of resilience, courage, and survival—stories that highlight both the darkness of exploitation and the light of human compassion. Tyler reveals the impact of community support, the role of advocacy, and why raising awareness is critical in the battle against modern slavery.

This week, host Jo Reed welcomes AudioFile contributor Alex Richey. Together, they'll chat all about vampires, monsters, and witches in three sci-fi/fantasy/horror audiobooks: BURY OUR BONES IN THE MIDNIGHT SOIL, a multiple-POV sapphic vampire story by V.E. Schwab, read by Julia Whelan, Katie Leung, and Marisa Calin; the “bonkers” genre-bending OF MONSTERS AND MAINFRAMES by Barbara Truelove, read by Chris Devon, Emana Rachelle, Charlie Albers, Eve Passeltiner, Zura Johnson, Cary Hite, and Gail Shalan; and a multi-generational horror story by Silvia Moreno-Garcia, THE BEWITCHING, read by Gisela Chípe. BURY OUR BONES IN THE MIDNIGHT SOIL: Published by Macmillan Audio OF MONSTERS AND MAINFRAMES: Published by Dreamscape THE BEWITCHING: Published by Random House Audio Discover thousands of audiobook reviews and more at AudioFile's website  Today's episode is brought to you by Hachette Audio and the audiobook Kiss Her Goodbye, the newest Lisa Gardner thriller, read by Hillary Huber. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textOur spoiler free thoughts and feelings on V.E. Schwab's new book!

Liz Ann Sonders and Kathy Jones discuss the implications of the Federal Reserve's annual Jackson Hole meeting, focusing on monetary policy, labor market dynamics, housing market challenges, and the impact of tariffs on inflation. They explore how these factors influence economic indicators and the Fed's decision-making process moving forward. Then, Cooper Howard, director and fixed income strategist at the Schwab Center for Financial Research, joins the show to discuss the state of the muni bond market and where there might be opportunities for investors. He and Kathy cover why munis have underperformed other parts of the fixed income market this year; the attractiveness of high-yield, or "junk," muni bonds; investing in individual bonds versus mutual funds or ETFs; and much more.Finally, Kathy and Liz Ann discuss the data and economic indicators they will be watching in the coming week.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Tax-exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax-exempt status (federal and in-state) is obtained from third parties, and Schwab does not guarantee its accuracy. Tax-exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.This information is not a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(0825-1W97)

Inflation may not dominate the headlines like it did in 2022, but for many Americans, it's still the number one threat to retirement confidence. In this episode, Nathan unpacks a recent Schwab survey showing how concerns over rising costs are leaving pre-retirees and retirees feeling unprepared for their financial future. The sting of higher costs hasn't fully eased, and that stress is keeping people second-guessing their retirement readiness.   Here's some of what we discuss in this episode:

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment Inflation may no longer dominate headlines like it did in 2022, but it's still a top concern for many Americans planning for retirement. A recent Schwab survey shows how inflation affects confidence and preparedness for the future. In this episode, Phil explains why the psychological impact of inflation often feels worse than the actual numbers and how perspective matters for long-term planning.   Here's some of what we discuss in this episode:

Full transcript⁠⁠ ⁠⁠Watch this interview on YouTube⁠⁠ — “Knowing who you are then leads you to a place where you can start asking questions about how who you are shows up in the workplace,” says Stacy Hammond, Chief Marketing Officer at Charles Schwab.  “Everybody at Schwab is a leader,” she says, and the best leaders do market research on themselves: How they are perceived, and how those perceptions align with the value they bring.  Today on Building Better CMOs, Stacy and MMA Global CEO Greg Stuart talk about turning “earners into owners,” making investing simple and approachable, and the importance of both accessibility and transparency. They also discuss her unconventional path to the CMO role, beginning in Schwab's retail business 24 years ago, and what it means to be a “cheerleader” for your team. This episode was produced and edited by Eric Johnson from ⁠⁠⁠⁠LightningPod.fm⁠⁠⁠⁠. ⁠⁠⁠⁠⁠Follow Building Better CMOs in your podcast app⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Subscribe on YouTube⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Rate & review the podcast⁠⁠⁠⁠⁠⁠ Links: ⁠⁠⁠⁠⁠⁠Stacy's LinkedIn⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Greg's LinkedIn⁠⁠⁠

This lively episode of Talking Real Money features trivia-packed investing fun, smart listener questions, and sharp commentary from Don and Tom. They dive into a Wall Street Journal quiz on investing genius, exploring surprising historical returns and market myths. Listener calls span a range of financial planning topics—from special needs trusts and Roth IRAs for kids to emergency fund placement and ETF selection. 0:04 Don and Tom banter about working weekends and boomers in the office 1:55 Wall Street Journal quiz: Are you a stock market genius? 3:20 Which stock created the most wealth in 100 years? (Hint: it wasn't Apple) 4:19 Why Altria (Philip Morris) beat the rest 5:31 Berkshire Hathaway drops 99%—would Buffett still beat the market? 6:37 Show mission: make investing simple, not complex 8:28 Caller Valerie: Investing for a daughter with disabilities using Vanguard ETFs 10:24 Portfolio review and discussion of special needs trusts 11:20 Structuring brokerage accounts with trust beneficiaries 13:31 Caller Steve: Roth IRAs for sons, target date vs. all-equity funds 14:36 Tom critiques Schwab's target date funds—Vanguard preferred 16:20 Future value of $10K over 50 years at 10%—retirement math 17:20 Caller Sam: Can he gift stock into a Roth IRA? (Spoiler: No, but workarounds exist) 18:59 Economist “Felicity Foresight” exercise—guess the ending balance after 100 years of perfect timing 20:34 The shocking power of compound returns: $10 quintillion 22:15 Geography jokes, the U.S. “Middle East,” and why cruises go to Juneau 23:39 Written Question (Bruce): Keeping emergency funds in a Schwab money market fund 25:10 Online bank trust vs. FDIC insurance—why it's safe 27:51 Don calls Tom a “premature curmudgeon” 28:30 Caller West: Should he add SGOV to his BND bond portfolio? 29:52 BND vs SGOV explained—behavior during rate changes 30:37 Back to WSJ quiz: investing trivia and early company names 31:31 Bezos almost named Amazon “Kadabra”; Google was almost “Backrub” 33:20 What's a googol? And why Google isn't even the biggest number 34:48 Shoeshine story: how Joe Kennedy dodged the ‘29 crash 36:39 Caller Diana: Investing for four grandkids—gold coins vs stocks 38:41 Why diversified ETFs beat Boeing stock or gold coins Learn more about your ad choices. Visit megaphone.fm/adchoices

Kate and Leah recap the week's legal news, including argument calendars for the next SCOTUS term and President Trump's attempted federal takeover of Washington, DC. Then, it's our third annual State of The Uterus episode. Melissa and Leah talk with Alexis McGill Johnson, president and CEO of the Planned Parenthood Federation of America, and Lisa Beattie Frelinghuysen, founder of ClutchKit, about the current status of reproductive freedom three years after the Supreme Court overturned Roe v. Wade. Finally, Leah talks about the authors of After Dobbs: How the Supreme Court Ended Roe, But Not Abortion.Favorite Things:Leah: Unbearable: Five Women and the Perils of Pregnancies in America, by Irin Carmon; track list and cover art for Taylor Swift's forthcoming The Life of a Showgirl; Ben Platt's cover of Diet Pepsi; Melissa's appearance on Nicole Wallace's podcast, The Best People; "Redistricting Texas Now is Illegal and the U.S. Department of Justice is the Reason Why," by Ellen Katz; and Laura Loomer's weird deposition in a case against Bill MaherKate: Vera, or Faith, by Gary Shteyngart; Parable of the Talents, by Octavia Butler; Bury Our Bones in the Midnight Soil by V.E. Schwab; The Retrievals; "The Chadha Presidency," by Josh Chafetz; and "Trump, John Roberts and the Unsettling of American Politics," by David Dailey Get tickets for STRICT SCRUTINY LIVE – The Bad Decisions Tour 2025! 10/4 – ChicagoLearn more: http://crooked.com/eventsOrder your copy of Leah's book, Lawless: How the Supreme Court Runs on Conservative Grievance, Fringe Theories, and Bad VibesGet tickets to CROOKED CON November 6-7 in Washington, D.C at http://crookedcon.comFollow us on Instagram, Threads, and Bluesky

Das Weltwirtschaftsforum (WEF) hat seinen Gründer Klaus Schwab und dessen Ehefrau Hilde von schwerwiegenden Vorwürfen entlastet. Eine externe Untersuchung der Kanzlei Homburger ergab zwar kleinere Unregelmäßigkeiten, jedoch keine Beweise für gravierendes Fehlverhalten. Gleichzeitig kommt es an der Spitze des Forums zu einem Wechsel.

After you listen:Discover more about the findings discussed in today's episode by visiting the Charles Schwab Women Investors Survey.Learn about the financial next steps to take after losing a loved one. On this episode, Mark Riepe is joined by the head of Schwab's branch network, Jeannie Bidner, to discuss a the results of a recent survey from Schwab on women investors. Jeannie shares key takeaways from the responses as well as her own insights, highlighting the motivators for women who invest, how they frame decisions about their portfolios, and the generational trends toward leaning more on community and digital resources for support in their financial lives.Resources mentioned in the episode:Tools and Resources for Surviving SpousesManaging Your Finances After the Loss of a SpouseCaring for Your Finances if You're Suddenly SingleFinancial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice.  The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended.Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk including loss of principal.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.(0825-ZMW5)

Thank you for tuning in to Episode 303 of the Down Cellar Studio Podcast. Full show notes with photos can be found on my website. This week's segments included:   Off the Needles, Hook or Bobbins On the Needles, Hook or Bobbins From the Armchair Knitting in Passing In my Travels KAL News Ask Me Anything On a Happy Note Quote of the Week   Off the Needles, Hook or Bobbins   Gabriella's Unicorn Pattern: Shy Little Unicorn by Ana Paula Rimoli Hook: C (2.75 mm) Yarn: Red Heart Super Saver (white), Knit Picks Brava Worsted (cotton candy & various solids) Ravelry Project Page Total for Stash Dash: 116 meters   Sum-Sum-Summertime socks Yarn: Woolens & Nosh SW Targhee Sock in the colorway Sum-Sum-Summertime Pattern: OMG Heel Socks by Megan Williams ($5 knitting pattern available on Ravelry) Needles: US 1.5 (2.5 mm) Ravelry Project Page About the Colorway- thinner stripes- 2 colors of aqua, lime green, pink and an orange/peachy yellow. CC mini in lime Total for Stash Dash: 293.3 meters   Stash Dash Total for this episode: 8,715.2 meters   On the Needles, Hook or Bobbins   Hot pink spinning Fiber: Mountain Vewe Coopworths Fiber in hot pink (no specific colorway name)- three 4oz bumps Ravelry Project Page Twist direction: singles = Z plied = S This means when I'm spinning, my wheel is spinning clockwise and when plying my wheel is moving counter-clockwise. Progress: ~1/2 way through first bump. 1st bobbin full and the second is started I've now spun in July and August so I've only missed 2 months so far this year.   Log Cabin Blanket Pattern: Log Cabin Square by Julie Harrison. Free crochet pattern available on Ravelry. Video tutorial available on the Little Woollie Makes YouTube Channel Yarn: Legacy Fiber Artz Minis (mostly from Advent calendars 2023 & 2024) Hook: I (5.5 mm) Ravelry Project Page Inspired by Rachel (treehousefiberarts on Instagram) and Sue & Chelsea (Legacy Fiber Artz on Instagram). Check out the Floss Toss Ravelry Group for details on their Scrappy Blanket CAL. Ends December 21st (but you don't have to finish. 2 prize drawings will be done). My color placement is inspired by this project/pattern available on Ravelry.     From the Armchair   Famous Last Words by Gillian McAllister. Amazon Affiliate Link. My Friends by Fredrik Backman. Amazon Affiliate Link.   Note: Some links are listed as Amazon Affiliate Links. If you click those, please know that I am an Amazon Associate and I earn money from qualifying purchases.   Knitting in Passing   I shared a story about a little girl in the nail salon who asked her mom if they could come talk to me because she wants to learn to knit.   In My Travels Travel packing tips Packing cubes- here's an Amazon affiliate link to the set I purchased 6 years ago and still love! I always pack some clothes pins/ metal or wood that I use for snacks/drink mix pouches and/or to keep curtains closed in hotel. I have a standard packing list in Evernote that I customize for each trip. It saves so much time and frustration. Pack a travel power strip- to keep all of those chraging cords in one place (also less likely to leave one behind) Knitting project approach At least 2 socks/stockinette hats for waiting, sitting etc. A project that occupies my brain and makes a long flight go by easier. Queue the audiobooks & download podcasts   KAL News   Splash Pad Final Winners were announced!   Pigskin Party '25 Sponsor Sign Up is Open- click here for details Key Dates: Registration starting Thursday August 20, 2025 KAL Starts- Thursday September 4, 2025 KAL Ends- Monday February 9, 2026 Form Teams- starting Monday August 25, 2025 Virtual Kick Off- Friday September 5 & Saturday September 6   Ask Me Anything   Tune in to hear the answers to these questions: Pat- loonyhiker asked: I know you have probably told this before, but I'd love to hear how you and your honey met. I also would love to hear how your parents met. (bonus audio of my parents talking about this by the pool in 2017) Sandy, sjh801 asked:  Favorite children's book? Both as a child and now as an adult. Children's Book (purely for sentimental reasons): Walk Rabbit Walk by Colin McNaughton. Amazon Affiliate Link. Hardcover available for ~$20 & paperback for around $7 Adult book: Pillars of the Earth by Ken Follett. Amazon Affiliate Link.John Lee does the audiobooks for what is now this series of books. Book 1 of 5 now in this series. I love them all. Dianne, woohoogirl asks: Do you have a Dream project that you'd really like to make that you just haven't made the time, or plans, for yet? The Traveler by Andrea Mowry ($9 knitting pattern available on Ravelry & the Drea Renee Knits website). This may be my favorite version:a handspun Traveler knit by Emily Curtis. Check out her Instagram post. Click here for a post about the handspun yarn Carrie, Gooberdawn asks: Do you have a project you have created that you feel most proud of? If so, which one and why? ETA: it doesn't have to be yarn-related. Laura, LauraKnitsPA asks: What is one book you would read over and over, and one movie you would watch over and over? Book- The Invisible Life of Addie LaRue by V.E. Schwab. Amazon Affiliate Link Movie: You've Got Mail Dani, stitchintime82-  Any updates on designing? I've enjoyed your patterns and am wondering if you have any plans to make more patterns.   On a Happy Note I was able to get my Apple watch to charge again after I thought it was dead. Oikos yogurt shake/drinks with 23g of protein. My friend Nathan had a heart and kidney transplant just over 1 year ago. He's still learning to walk again after ECMO caused major nerve damage in his legs- and we just went to see the musical he directed. Sometimes this world feels so dark right now but this made me incredibly happy. The night we had tickets for the show, we lost power, so we made it a full date night and went for dinner too. A visit from my cousin Gayle. We enjoyed a great pool day on Sunday and dinner in our town Monday night followed by a walk along the harbor. Gayle chose Mom's Trickle shawl as the item she wanted of hers. I took a photo of her and Google photos turned it into a pop-out. Trickle Shawl- Ravelry | LoveCrafts I gifted Gayle the pair of Stranger Things 2 socks from DVD as an early birthday gift and she sent me a cute photo of her wearing them the next morning. Great customer service from an Etsy maker to order pins. I had fun putting together photos Millie, Teaghan and Rhiannon asked me to take a couple weekends ago at the pool of them jumping off the diving board and making their bodies into the shape of the letters of the alphabet. Fun memories!   Quote of the Week “It's not hotels and nightclubs I crave, or even spectacular beaches -- it's isolation and solitude, time away from the human world and a chance to measure life on a different kind of yardstick.” ― Peter S. Adler   ------ Thank you for tuning in. Remember show notes for this episode can be found at www.downcellarstudio.com/# If you have a moment to leave a review on Apple Podcasts, I'd greatly appreciate it. I can be found on Ravelry as BostonJen and I'd love it if you came over to join our lively and engaged Down Cellar Studio Ravelry Group. Check me out on Instagram at BostonJen1 if you want to see what I'm up to between episodes. Check out my Down Cellar Studio YouTube Channel Email me at downcellarstudio@gmail.com   For website: Thank you for tuning in!   Contact Information: Check out the Down Cellar Studio Patreon! Ravelry: BostonJen & Down Cellar Studio Podcast Ravelry Group Instagram: BostonJen1 YouTube: Down Cellar Studio Facebook: https://www.facebook.com/downcellarstudio Sign up for my email newsletter to get the latest on everything happening in the Down Cellar Studio Check out my Down Cellar Studio YouTube Channel Knit Picks Affiliate Link Bookshop Affiliate Link Yarnable Subscription Box Affiliate Link FearLESS Living Fund to benefit the Blind Center of Nevada Music -"Soft Orange Glow" by Josh Woodward. Free download: http://joshwoodward.com/ Note: Some links are listed as Amazon Affiliate Links. If you click those, please know that I am an Amazon Associate and I earn money from qualifying purchases.  

In this episode, Chris speaks with Alex Wright-Gladstein, founder & CEO of Sphere, the company behind the Sphere 500 Climate Fund—a low-fee, index-like mutual fund for 401(k)s that excludes fossil fuel companies and is now available on Fidelity and Schwab. Alex explains how her team navigated years of audits, platform approvals, and AUM thresholds to unlock real adoption within the retirement ecosystem—and why crossing $100M AUM is the tipping point that could lead to billions in inflows from the largest corporate 401(k)s.Highlights include...Why most 401(k)s don't offer real climate-friendly fundsHow Sphere built a low-fee (0.07% expense ratio) S&P 500-like fund that screens out fossil fuelsThe 3-year effort to get approved by Fidelity and SchwabWhy $100M AUM unlocks access to the biggest 401(k) plansHow employee movements at Google, Apple, Microsoft create demand for these optionsSphere's go-to-market via creative advocacy campaigns (150M+ views)Business model: starting with low-fee scalability → expanding to higher-margin productsAlex's track record (co-founded Ayar Labs, now $1B+ valuation)2:00 – Alex's background & founding Sphere4:30 – What is the Sphere 500 Climate Fund?6:45 – Why 401(k)s are hard: fees, lawsuits & mutual funds vs ETFs9:40 – Getting onto Fidelity & Schwab: the 3-year process12:10 – AUM milestones: Why $100M matters14:50 – Building demand: Employee movements & advocacy campaigns17:30 – Business model & future fund lineup20:15 – Competitive moat & brand trust23:00 – Market size & exit thoughts (IPO vs M&A) 

In this bonus episode of the Behind The Song podcast, dig in to the story of Coco Schwab, the behind-the-scenes assistant David Bowie credited with saving his life. Together until the very end, their friendship was a lifeline for Bowie for over 46 years, and he even wrote a song specifically for her. Get into it in this episode!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Frank Schwab, from Yahoo Sports!, joins Robby and Rexrode. Schwab talks about Shedeur Sanders' preseason debut and other NFL team headlines for this upcoming season. Robby and Rexrode react to what Schwab had to say and talk more Titans Football. The hour ends with final thoughts. 

In this episode of The Book Fix, Yajaira and Cheli sink their teeth into Bury Our Bones in the Midnight Soil by V.E. Schwab, a hauntingly lyrical novel that weaves together centuries of longing, rage, and desire for freedom. Told across three timelines—1532 in Spain, 1827 in London, and 2019 in Boston—this story connects three women bound by mysterious forces and desperate choices. Join the besties as they discuss whether or not that sad sapphic, gothic horror book fixed—or ruined—their lives?!Support the showOur Linktree: https://linktr.ee/thebookfix?utm_source=linktree_admin_sharebecome our Patron ♡ https://www.patreon.com/BookFixbuy us a book ♡ https://www.buymeacoffee.com/thebookfixBusiness Inquiries: thebookfixpodcast@gmail.comfollow us on Tiktok! ♡ https://www.tiktok.com/@thebookfix

After you listen:Listen to the latest episode of the Choiceology podcast, "How a Single Source of Information Can Seem Like Several."To learn more about Katy Milkman and her work in behavioral economics, visit her website or check out her book How to Change: The Science of Getting from Where You Are to Where You Want to Be.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThe comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk including loss of principal.The book How to Change: The Science of Getting from Where You Are to Where You Want to Be is not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Charles Schwab & Co., Inc. (CS&Co.) has not reviewed the books and makes no representations about its content.(0825-X4DK)

Jake, Dani, Lesley, and Katie talk about some of their favorite vampire reads from this year. We cover Bury Our Bones in the Midnight Soil by V. E. Schwab, Hungerstone by Kat Dunn, The Buffalo Hunter Hunter by Stephen Graham Jones, and Of Monsters and Mainframes by Barbara Truelove. There's something on this list for everyone! 

In Episode 202, Susie (@NovelVisits) and Sarah explore some of their new favorite Micro Genres. Since starting the Micro Genres series, they've loved taking the opportunity each year to examine and define their tastes in these sub-sub-genres. This year, they have curated a list of 10 all-new Micro Genres, along with notable books for each category. With over 80 books mentioned, this is another year of niching down for some great book recommendations! This post contains affiliate links through which I make a small commission when you make a purchase (at no cost to you!). CLICK HERE for the full episode Show Notes on the blog. Books Told From the Perspective of the Person Left Behind (Sarah) [2:26] Sarah The Wanderers by Meg Howrey (2017) | Amazon | Bookshop.org  [3:39] Atmosphere by Taylor Jenkins Reid (2025) | Amazon | Bookshop.org  [3:52] Happiness Falls by Angie Kim (2023) | Amazon | Bookshop.org [4:29] Miracle Creek by Angie Kim (2019) | Amazon | Bookshop.org [4:31] Shred Sisters by Betsy Lerner (2024) | Amazon | Bookshop.org [4:42] Penitence by Kristin Koval (2025) | Amazon | Bookshop.org [4:52] Z by Therese Ann Fowler (2013) | Amazon | Bookshop.org  [5:11] The Paris Wife by Paula McLain (2011) | Amazon | Bookshop.org  [5:19] An American Wife by Curtis Sittenfeld (2008) | Amazon | Bookshop.org  [5:26] The Swans of Fifth Avenue by Melanie Benjamin (2016) | Amazon | Bookshop.org  [5:35] The Wives by Simone Gorrindo (2024) | Amazon | Bookshop.org  [5:59] A Mother's Reckoning by Sue Klebold (2016) | Amazon | Bookshop.org  [6:41] Susie Station Eleven by Emily St. John Mandel (2014) | Amazon | Bookshop.org  [7:07] Good Morning, Midnight by Lily Brooks-Dalton (2016) | Amazon | Bookshop.org [7:35] The Light Pirate by Lily Brooks-Dalton (2022) | Amazon | Bookshop.org  [7:37] Circe by Madeline Miller (2018) | Amazon | Bookshop.org  [7:52] We Begin at the End (Susie) [8:22] Sarah Beyond the Point by Claire Gibson (2019) | Amazon | Bookshop.org [12:46] Penitence by Kristin Koval (2025) | Amazon | Bookshop.org [13:16] I'm That Girl by Jordan Chiles (2025) | Amazon | Bookshop.org  [14:20]  Susie The Three Lives of Cate Kay by Kate Fagan (2025) | Amazon | Bookshop.org[10:20] What Happened to Nina? by Dervla McTiernan (2024) | Amazon | Bookshop.org[10:49]  Victim by Andrew Boryga (2024) | Amazon | Bookshop.org  [11:48] How We Named the Stars by Andrés N. Ordorica (2025) | Amazon | Bookshop.org  [12:21]  Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org  [12:28]  Other Books Mentioned We Begin at the End by Chris Whitaker (2021) [8:33]  A Marriage at Sea by Sophie Elmhirst (2025)  [13:54]  Big Business Women (Sarah) [14:34] Sarah Anna Bright is Hiding Something by Susie Orman Schnall (2024) | Amazon | Bookshop.org [15:29] The Boys' Club by Erica Katz (2020) | Amazon | Bookshop.org  [15:46]  Women Are the Fiercest Creatures by Andrea Dunlop (2023) | Amazon | Bookshop.org  [15:51]  Dead Money by Jakob Kerr (2025) | Amazon | Bookshop.org  [15:55]  Susie The Whisper Network by Chandler Baker (2019) | Amazon | Bookshop.org[16:30] The Female Persuasion by Meg Wolitzer (2018) | Amazon | Bookshop.org [16:55]  Other Books Mentioned Bad Blood by John Carreyrou (2018) [15:34]  Books By Irish Authors Telling Distinctly Irish Stories (Susie) [17:35] Sarah Say Nothing by Patrick Radden Keefe (2018) | Amazon | Bookshop.org  [22:30]  Northern Spy by Flynn Berry (2021) | Amazon | Bookshop.org  [22:43]  The Rachel Incident by Caroline O'Donoghue (2023) | Amazon | Bookshop.org [22:52]  56 Days by Catherine Ryan Howard (2021) | Amazon | Bookshop.org  [23:39]  Susie Nesting by Roisín O'Donnell (2025) | Amazon | Bookshop.org  [19:39] The Coast Road by Alan Murrin (2024) | Amazon | Bookshop.org [20:07] The Heart's Invisible Furies by John Boyne (2017) | Amazon | Bookshop.org[20:54]  Juno Loves Legs by Karl Geary (2023) | Amazon | Bookshop.org  [20:59] Home Stretch by Graham Norton (2020) | Amazon | Bookshop.org  [21:02]  Small Things Like These by Claire Keegan (2021) | Amazon | Bookshop.org [21:50]   Trespasses by Louise Kennedy (2022) | Amazon | Bookshop.org  [22:07]  Other Books Mentioned Angela's Ashes by Frank McCourt (1996) [19:20]  Normal People by Sally Rooney (2018) [23:16]  Strange Sally Diamond by Liz Nugent (2023) [24:07]  Unraveling Oliver by Liz Nugent (2013) [24:09]  The Collective “We” Narration (Sarah) [24:33] Sarah The Virgin Suicides by Jeffrey Eugenides (1993) | Amazon | Bookshop.org[25:59]  We Wish You Luck by Caroline Zancan (2020) | Amazon | Bookshop.org [26:16]  The Mothers by Britt Bennett (2016)| Amazon | Bookshop.org  [27:31]  Unlikely Animals by Annie Hartnett (2022) | Amazon | Bookshop.org  [27:56]  Susie The Buddha in the Attic by Julie Otsuka (2011) | Amazon | Bookshop.org [28:38] The Swimmers by Julie Otsuka (2023) | Amazon | Bookshop.org  [28:58]   Other Books Mentioned The Age of Miracles by Karen Thompson Walker (2012) [25:09]  The Strange Case of Jane O. by Karen Thompson Walker (2025) [25:11]  The Vanishing Half by Brit Bennett (2020) [27:39]  Torn Between Two Lovers: The Women's Edition (Susie) [29:40] Sarah Gone with the Wind by Margaret Mitchell (1936) | Amazon | Bookshop.org [33:05]  Bridget Jones's Diary by Helen Fielding (1996) | Amazon | Bookshop.org  [33:14]  Twilight by Stephenie Meyer (2005) | Amazon | Bookshop.org  [33:35] Susie Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org [31:18]  The Paper Palace by Miranda Cowley Heller (2021) | Amazon | Bookshop.org  [31:38]  One True Loves by Taylor Jenkins Reid (2016) | Amazon | Bookshop.org [32:18]  An American Marriage by Tayari Jones (2018) | Amazon | Bookshop.org  [32:44]  Fiction Modeled on Real-Life Serial Killers or Crimes (Sarah) [33:50] Sarah The Death of Us by Abigail Dean (2025) | Amazon | Bookshop.org [34:33]  Bright Young Women by Jessica Knoll (2023) | Amazon | Bookshop.org [34:39]  Heartwood by Amity Gaige (2025)| Amazon | Bookshop.org  [34:42]   We Burn Daylight by Bret Anthony Johnston (2024) | Amazon | Bookshop.org [34:52]  The Girls by Emma Cline (2016) | Amazon | Bookshop.org  [35:00] Only Love Can Break Your Heart by Ed Tarkington (2016) | Amazon | Bookshop.org [35:05] When the Stars Go Dark by Paula McLain (2021) | Amazon | Bookshop.org [35:29]  Monday, Monday by Elizabeth Crook (2014) | Amazon | Bookshop.org  [35:39]  Susie Wolf at the Table by Adam Rapp (2024) | Amazon | Bookshop.org  [36:05]  Books with Characters Struggling with Mental Health (Susie) [36:57] Sarah Sociopath by Patric Gagne, PhD (2024) | Amazon | Bookshop.org  [41:24]  Sorrow and Bliss by Meg Mason (2020) | Amazon | Bookshop.org  [41:58]  Bitter Sweet by Hattie Williams (2025) | Amazon | Bookshop.org  [42:13]  Fire Exit by Morgan Talty (2024) | Amazon | Bookshop.org  [42:23]  When I Ran Away by Ilona Bannister (2021) | Amazon | Bookshop.org  [42:28] The Curious Incident of the Dog in the Night-Time by Mark Haddon (2003) | Amazon | Bookshop.org  [42:36]   Susie Shred Sisters by Betsy Lerner (2024) | Amazon | Bookshop.org [37:56]  More or Less Maddy by Lisa Genova (2025) | Amazon | Bookshop.org [39:06]  Interesting Facts About Space by Emily Austin (2024) | Amazon | Bookshop.org [39:43]  My Lovely Wife in the Psych Ward by Mark Lukach (2017) | Amazon | Bookshop.org [40:13]  I'm Thinking of Ending Things by Iain Reid (2016) | Amazon | Bookshop.org [40:58] Other Books Mentioned Soldier Sailor by Claire Kilroy (2023) [42:33]  Dude Thrillers (Sarah) [42:45] Sarah Dead Money by Jakob Kerr (2025) | Amazon | Bookshop.org [43:34]  The Boomerang by Robert Bailey (2025) | Amazon | Bookshop.org  [43:40]  Departure 37 by Scott Carson (2025) | Amazon | Bookshop.org  [43:55]  The Wealth of Shadows by Graham Moore (2024) | Amazon | Bookshop.org [44:10]  Red Widow by Alma Katsu (2021) | Amazon | Bookshop.org  [44:27] Red London by Alma Katsu (2023) | Amazon | Bookshop.org  [44:28]   Susie The Holdout by Graham Moore (2020) | Amazon | Bookshop.org  [44:57]  The River by Peter Heller (2019) | Amazon | Bookshop.org  [45:24]  Burn by Peter Heller (2024) | Amazon | Bookshop.org  [45:25]  The Martian by Andy Weir (2011) | Amazon | Bookshop.org  [45:36]  Other Books Mentioned Project Hail Mary by Andy Weir (2021) [45:41]  All the Sinners Bleed by S. A. Cosby (2023) [45:33]  Blacktop Wasteland by S. A. Cosby (2020) [46:06]  Razorblade Tears by S. A. Cosby (2021) [46:13]  Standalone Fantasy Set on Earth (Susie) [46:36] Susie The Invisible Life of Addie LaRue by V. E. Schwab (2020) | Amazon | Bookshop.org [48:36] Bury Our Bones in the Midnight Soil by V. E. Schwab (2025) | Amazon | Bookshop.org [48:39] The Familiar by Leigh Bardugo (2024) | Amazon | Bookshop.org [49:07] Ninth House by Leigh Bardugo (2019) | Amazon | Bookshop.org [49:08] Weyward by Emilia Hart (2023) | Amazon | Bookshop.org  [49:28]  The Library at Mount Char by Scott Hawkins (2015) | Amazon | Bookshop.org [49:32]  Circe by Madeline Miller (2018) | Amazon | Bookshop.org  [49:50]  The Song of Achilles by Madeline Miller (2011) | Amazon | Bookshop.org [49:51]  Other Books Mentioned A Court of Thorns and Roses by Sarah J. Maas (2015) [47:03]  Black Chalk by Christopher J. Yates (2013) [50:30] 

Subscribe to the new Bits + Bips channels!

Bill and Tony discuss the growth and evolution of alternative investments, address liquidity concerns, and emphasize the importance of education in the latest episode of Alternative Allocations. Bill highlights the industry's efforts to make alts more accessible through new product structures and the potential for including private markets in model portfolios and defined contribution plans. Bill Duffy is a Vice President of Alternative Investments for Fidelity Investments. He is responsible for Fidelity's alternative investment platform solutions which enable Fidelity clients access to alternative investment strategies. Bill focuses on developing Fidelity's alternative investment platform strategy, as well as overseeing Fidelity's relationship with leading alternative investment platforms and asset managers. Additionally, Bill educates Fidelity clients and prospects about alternative investment programs available through Fidelity. He is often a featured speaker on alternative investment strategies and trends at industry conferences and events. Prior to Fidelity, Bill worked at Charles Schwab & Co., Inc. where he was Managing Director of Relationship Management, overseeing relationships with over 700 third-party asset managers. He also led product strategy for Schwab's alternative investment platform team. In that role, he also collaborated with industry thought leaders to deliver alternative investment education to thousands of RIAs. Earlier in his career, Bill was an Executive Director at a boutique alternative investment advisory firm, where he was responsible for consulting with RIAs, family offices, and institutional investors on alternative investment strategies including private equity, private credit, real estate, and hedge fund opportunities. Bill is currently Chairman of the Board of Directors for the Institute for Portfolio Alternatives (“IPA”), an industry trade group focused on expanding access to alternative investments strategies and advocating on behalf of the alternative investment industry. Prior to being elected Chair of the Board, he was an active Board member since 2020. Enjoying Alternative Allocations? Please take a moment to rate and review us. Your feedback helps us deliver more insightful episodes on alternative investments! Resources: Bill Duffy | LinkedIn Alternatives by Franklin TempletonTony Davidow, CIMA® | LinkedIn

On this episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Preston Gee, CFP® of Peak Wealth discussed a Schwab survey that asked people how much money it takes to feel wealthy. They explored how people's perceptions of wealth are often tied to specific financial milestones, reflecting what they believe would provide comfort, security, and a sense of success. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

In this episode, Don and Tom tackle investor emotion during market highs and use a Schwab-inspired scenario to show how discipline beats market timing—every time. They walk through four fictional investors (lucky, disciplined, unlucky, and fearful) to reveal the long-term value of staying invested. The hosts also answer a listener's question about breaking into the fiduciary advice world and finish with a blistering takedown of FIBA, a so-called fiduciary group pushing high-commission annuities to federal workers. This one's part reality check, part rally cry. 0:04 Emotional investing and the danger of reacting to market highs 1:13 Why timing the market is so tempting—and so wrong 2:35 Four investor scenarios: lucky, disciplined, unlucky, and the guy who sat it out 5:03 20-year returns: how even the worst timing beat sitting in T-bills 6:25 Discipline as a risk-reduction strategy and emotional filter 8:16 Worst-case fear vs real-world data: even the unlucky come out ahead 9:21 Market rebounds: faster than most think, from 2008 to 2025 10:28 The fourth golden rule: Discipline beats market noise 13:03 Listener Zach thanks Tom—phone call advice pays off 13:34 Listener “Long” asks how to become a fiduciary advisor 14:55 Why financial skills alone don't make great advisors 16:38 Should you start at a sales-driven firm? Probably not 18:04 Better idea: get your Series 65, find a DFA firm, study for CFP 20:08 Sales skills matter—but you don't have to sell your soul 20:55 Listener asks about FIBA and a “too good to be true” annuity pitch 21:48 FIBA's fake fiduciary claim and questionable annuity advice 24:30 Unregistered “advisors” pushing 9–11% commission products 26:25 Why these products are sold: $35K+ commissions 28:30 How to spot fake fiduciaries—and what real ones disclose 29:23 Tom and Don still steaming about annuity predators Learn more about your ad choices. Visit megaphone.fm/adchoices

Cemetery Boys by Aiden Thomas is a heartfelt story of first love, identity and home. Aiden joins us to talk about fan interactions, reflecting on the 5 years since publishing his debut, Día de Muertos, heart stories, influences and more with cohost Isabelle McConville. This episode of Poured Over was hosted by Isabelle McConville and mixed by Harry Liang.                     New episodes land Tuesdays and Thursdays (with occasional Saturdays) here and on your favorite podcast app. Featured Books (Episode): Cemetery Boys by Aiden Thomas Lost in the Never Woods by Aiden Thomas The Sunbearer Trials by Aiden Thomas Labyrinth Lost by Zoraida Córdova Bury Our Bones in the Midnight Soil by V.E. Schwab

Liberty Dispatch ~ August 01, 2025In this episode of Liberty Dispatch, hosts Andrew DeBartolo and Matthew Hallick discuss what Klaus Schwab's ouster, Feucht's cancellation, and the recent AD campaigns from American Eagle and Nike featuring Sydney Sweeney and Scottie Scheffler, respectively, mean for our culture. Things be wildin'! For full access to all our content, become a paid subscriber at: https://ldcanada.substack.com; Introduction (00:00-04:03)Segment 1 - Sean Feucht's Concert CANCELLATIONS is More Anti-Christian Law-fare (04:03-18:59):"Montreal church fined over Sean Feucht services" | National Post: https://nationalpost.com/news/canada/montreal-church-sean-feucht-fined; Segment 2 - The Downfall of the WEF's Dr. Evil, Klaus Schwab (21:15-40:58):"World Economic Forum’s Klaus Schwab faces growing scrutiny, investigations intensify" | The Telegraph: https://www.telegraph.co.uk/world-news/2025/07/26/world-economic-forum-klaus-schwab-investigation; Segment 3 - The EU’s Targeted ATTACK on so-called “Religious Extremism” (43:05-01:05:00):Scottie Scheffler: Links golf 'fits my strengths' (FULL PRESSER) | Live From The Open | Golf Channel | YouTube: https://www.youtube.com/embed/hUOrPqv0eU0;"Golf Digest X‑post shows viral photo from tournament coverage" | X – Golf Digest: https://x.com/GolfDigest/status/1946994333434998862/photo/1;"Sydney Sweeney’s American Eagle ad receives backlash over 'jeans and genes' tagline, accused of racist and Nazi connotations" | Daily Mail: https://www.dailymail.co.uk/tvshowbiz/article-14957087/american-eagle-sydney-sweeney-jeans-genes-ad-backlash-racist-nazi.html.Conclusion (01:05:00-01:15:27) SHOW SPONSORS:New Sponsor! Bitcoin Mentor: https://bitcoinmentor.io/aff/liberty Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546; Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/dispatch; BarterPay: https://barterpay.ca/; Barter It: https://www.barterit.ca/; Get freedom from Censorious CRMS by signing up for SalesNexus: https://www.salesnexus.com/; SUBSCRIBE TO OUR SHOWS/CHANNELS:LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow; CONTACT US: libertydispatch@pm.me STAY UP-TO-DATE ON ALL THINGS LD:Instagram: https://www.instagram.com/liberty_dispatch/; Facebook: https://www.facebook.com/LibertyDispatchCanada; X: @LDCanada - https://x.com/_LDCanada; Rumble: https://rumble.com/LDshow; YouTube: https://www.youtube.com/@libertydispatch Please LIKE, SUBSCRIBE, RATE, & REVIEW, and SHARE it with others!

NLW breaks down the newly signed Genius Act—the first major piece of U.S. crypto legislation. He unpacks what the law actually contains, from reserve requirements and audit rules to the “Libra clause” banning Big Tech stablecoins. With Circle and Tether taking center stage at the White House, what does this mean for the future of stablecoins, tokenization, and U.S. financial dominance? Plus, thoughts on DeFi tailwinds, CBDC fears, Schwab's crypto plans, and the latest crypto IPO filings. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW