Podcasts about Schwab

Recording of Off the Shelf Radio Show from WDLR with co-hosts Nicole Fowles and Molly Meyers-LaBadie. This week we chat with Mark & Francine Butler from the Community Arts Network! We talk with the Butlers about their Camp Delaware, Ohio documentary! There is a screening at the Delaware Main Library on November 4. Recommendations include: Spare by Prince Harry, The Hotel Nantucket by Elin Hilderbrand, Noir is the New Black and Gallant by V.E. Schwab. Read more about today's episode here. Listen live every Friday morning at 9 AM https://wdlrradio.com/program-schedule/off-the-shelf/   This episode originally aired on October 31, 2025.

Liz Ann Sonders and Kathy Jones discuss this week's Federal Open Market Committee (FOMC) meeting and the latest interest rate cut. They also analyze some of the details of what is driving the Fed's decisions in light of the government shutdown.Next, Kathy Jones is joined by David Beckworth. Kathy and David discuss the complexities of the Federal Reserve's balance sheet, the broader implications of monetary policy, and the emerging landscape of stablecoins and central bank digital currencies (CBDCs). They discuss the challenges the Fed faces in managing its balance sheet, the potential impact of stablecoins on the financial system, and what these developments mean for investors. David outlines three potential steps the Fed could take to downsize the balance sheet: asset swaps, managing the Treasury General Account (TGA), and improving ceiling facilities. You can keep up with David Beckworth by following his podcast, Macro Musings, and his Substack, “Macroeconomic Policy Nexus.”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 are 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. 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.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.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.Digital currencies are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.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 intendedThe comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. 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 Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(1025-36UZ) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

President of PGA Tour Champions Miller Brady shares his thoughts on Tiger Woods in 2026 and the possibility of him playing on the over 50 Tour. We also preview some of the storylines for the Charles Schwab Cup Championship ahead for November and breakdown the new 2026 schedule that was just released. The unique offseason event-the Sketchers World Champions Cup Supporting Shriners Children's-is also discussed.

The big brokerage firms are fighting for your investment accounts Our investment advisory firm over the years has never been a favorite of the big brokerage firms because we generally only do three, maybe four trades on average per year. But the big brokerage firms are now acting like the casinos in Las Vegas and are doing everything they can to get you on their platform. They will give you all kinds of tools and seminars, so you'll take higher risk and do more trading. In the meantime, they're downplaying the risk of trading. You see also like the casinos in Las Vegas, there are now stories of them giving away free rooms for the big players and they are giving you free software and free education on how to trade. Robinhood even invited 1000 people to Las Vegas and took them go kart racing and provided classes with their new trade platform. Schwab and Fidelity are doing similar types of events to get you to use more of their services. Once they get you in the door, they can show you how to use margin debt, which by the way hit a new record of $1.13 trillion in September, along with option trading and other exciting ways to make you think you can make a lot of money. Doesn't that sound like the casinos in Las Vegas that try and get you to hit the gambling tables? Unfortunately, it seems to be working somewhat because the percentage of investors who now have self-directed accounts is 33%, which is a big increase from 24% just five years ago. My problem with this, as you can tell, is I don't believe they're teaching people how to invest but more on how to gamble and how exciting it can be. Going back 100 years it's still the same with Wall Street, they will make some big profits, and the small investors will lose most if not all of their nest egg. Can Travis Kelce turn around Six Flags? If you're not sure who Travis Kelce is, he is a tight end for the Kansas City Chiefs and engaged to the well-known singer Taylor Swift. Six Flags, which is a public company that trades under the symbol FUN, has received an investment of $200 million from the activist investment company JANA Partners. It was not disclosed how much investment Travis has of the $200 million, but he does like to invest in companies both public and private. He has investments in over 30 companies that include manufacturing, distribution, consumer goods, entertainment, and a beer company. He is pretty excited about his investment because as a kid he used to love the roller coasters, Dippin' Dots and him and his brother have great memories at Six Flags. He has suggested that they do a roller coaster with a 300 foot drop where riders feet dangle from beneath. Investing in Six Flags seems to be an uphill battle. Year to date the stock is down roughly 45%, the company is losing money and has a market capitalization of $2.6 billion. Travis does have a long-term perspective on all his investments likes we do. He is OK investing in a company losing money in hopes it could be turned around. Our philosophy at our firm is we will not invest in companies that do not have earnings. One benefit he does have is obviously his name and I'm sure if him and his fiancé, Taylor Swift, would start showing up at Six Flags, you can bet that they will be all over the news giving the company some nice free advertising.   Markets actually declined after the Fed rate cut  On Wednesday, the Fed announced they would lower their benchmark overnight borrowing rate by 0.25% to a range of 3.75%-4%. This marked the second consecutive cut of 0.25% and there is still one meeting left this year where we could see another rate cut. The keyword here is could and the lack of conviction around another cut is likely what spooked the market. Powell said a December rate cut isn't a “foregone conclusion” and while recently appointed Fed Governor Stephen Miran again dissented in favor of a 0.5% cut, there was also a hawkish dissent with Kansas City Fed President Jeffrey Schmid voting for no decrease. Schmid's vote and Powell's language was likely what sent the market lower after the announcement as many essentially had the December rate cut factored in as a sure thing. Powell also added that there is “a growing chorus” among the 19 Fed officials to “at least wait a cycle” before cutting again. This resulted in traders lowering the odds for a December cut to 67% from 90% the day prior. Given the lack of data and an economy that still appears to be in an alright position, I do believe the Fed needs to be careful cutting too quickly especially since they are taking another accommodative stance with the announcement that they would be ending the reduction of its asset purchases – a process known as quantitative tightening – on Dec 1. This in theory will stimulate the Treasury and mortgage-backed securities markets, which should help with longer dated debt instruments, as the Fed was allowing these assets to just roll off the balance sheet and now will need to step in and buy new debt to replace the securities as they mature. While QT shaved off around $2.3 trillion from the Fed's balance sheet, Covid led to a major expansion from just over $4 trillion to close to $9 trillion. The question is with the rapid expansion just a few years ago, was enough removed from the balance sheet to put it at a more normalized level. Like with the Fed cuts, I do believe if monetary policy eases too much, we risk a return of inflation and a further increase in many speculative assets that could cause problems down the road.   Financial Planning: When does a Solar System Make Sense? Buying a solar system generally makes the most sense if you use a lot of electricity and plan to stay in your home long term. Installing by the end of 2025 allows you to capture the 30% federal tax credit, which significantly shortens the payback period. If the system is financed with a mortgage or home equity line of credit (HELOC), the interest may be tax-deductible, allowing for little or no upfront cash outlay and after-tax loan payments that can be lower than the monthly electricity savings. Owned solar panels usually increase home value, though not always enough to fully offset the system's cost, which is why longer-term ownership is important to recoup the investment. In California, including a battery is almost always recommended so you can store power generated during the day for use at night, reducing the need to buy expensive electricity from the grid. Leasing can be attractive for shorter-term homeowners if lease payments are well below current utility costs, but leases generally don't increase home value and don't qualify for tax credits. The main advantage is immediate monthly savings without an upfront investment, though leased panels can complicate a future home sale. In some cases, it may be best not to install solar at all—for example, if you don't plan to stay in the home long term, or if your electricity usage and potential savings are too low to justify the hassle and possible roof wear from installation.   Companies Discussed: The Coca-Cola Company (KO), Capital One Financial Corporation (COF), QUALCOMM Incorporated (QCOM), Knight-Swift Transportation Holdings Inc. (KNX)

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Don and Tom go after one of their favorite targets: bad actors in the financial industry—especially those who flee regulation by becoming insurance salesmen. They break down a shocking new study showing that 98% of brokers kicked out by FINRA stay in the business by selling annuities and other insurance products, often with little oversight. The duo compares this behavior to “cockroaches,” slamming state insurance commissions for weak enforcement and minimal fines. Later, they tackle Washington State's ballot measure SR 8201 on investing long-term care funds, answer listener questions about 529 plans versus UTMAs, discuss 457 plan costs and fund choices, and close with a fun chat about Halloween chaos and coffee and cocoa prices. 0:04 Opening rant on misbehavior in the financial industry and the perils of “bad advisors.” 1:03 How fired brokers reappear as insurance salesmen—98% stay in the industry. 3:10 Why state insurance oversight is toothless and how low the penalties really are. 5:14 Insurance firms masquerading as planners—why fiduciary-only advisors matter. 6:03 The study's “cockroach” comparison and why the problem persists. 7:37 How to vet your advisor using FINRA's BrokerCheck and state insurance lookups. 9:16 State vs. federal regulation—why the insurance lobby spent $200 million to avoid SEC oversight. 11:08 Caller Beth from Washington asks about SR 8201—investing long-term care funds in stocks. 13:27 The fiduciary perspective: diversification and realistic expectations. 15:23 Caller Gene from Puyallup on 529 plans vs. UTMAs for grandkids. 17:55 Tax control, gift rules, and the best state 529 options. 19:20 Holiday gifting and a little banter about who's on Tom's “nice list.” 20:22 Halloween costumes, tourists, and Celebration, Florida trick-or-treat madness. 23:28 Behind the scenes: Don reveals the entire “Talking Real Money” production staff (himself). 24:32 Podcast email list plug—how to subscribe at TalkingRealMoney.com. 25:35 Explaining podcasts for the AM radio crowd—how to find Talking Real Money on your phone. 27:30 Listener question from Matthew in Illinois about 457 plan costs and hidden fees. 30:38 The truth about 457s, penalties, and why Schwab's low-cost ETFs may be smarter. 32:34 Caller Rob from Bellevue discusses attending RetireMeet and noticing the Apella building. 33:18 Wrapping with cocoa and coffee futures—good news for chocolate, bad for espresso lovers. 37:49 Don plugs Litreading's Scary Story Season before switching to Christmas stories. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you picked up Stephen Graham Jones's The Buffalo Hunter Hunter (Bookshop.org | Libro.fm) yet? We dig into this brilliant work in our October book club discussion. We start with a Bookish Check-In: Jen's reading Garth Stein's The Art of Racing in the Rain (Bookshop.org | Libro.fm), and Ashley just started V. E. Schwab's Bury Our Bones in the Midnight Soil (Bookshop.org | Libro.fm).  Then we dive into The Buffalo Hunter Hunter. We talk about the layered storytelling structure, including journals, interviews, and found documents, and we discuss how Jones uses horror to explore history, violence, and accountability.  We wrap up with our pairings: Jen recommends Dan Simmons's The Terror (Bookshop.org | Libro.fm), and Ashley shares Emelia Hart's Weyward (Bookshop.org | Libro.fm), plus we both shout out other Stephen Graham Jones books.  We'd love to hear what you thought of The Buffalo Hunter Hunter. Come tell us your take on Instagram @unabridgedpod.   Visit the Unabridged website for our full show notes and links to the books mentioned in the episode. Interested in what else we're reading? Check out our Featured Books page.   Want to support Unabridged?   The number 1 way to support us is by purchasing Bookshop.org books from our Unabridged shop. Follow us @unabridgedpod on Instagram or Facebook. | Join our Unabridged Podcast Reading Challenge. | Visit our curated list of books at Bookshop.org. | Become a patron on Patreon. | Check out our Merch Store. | Visit the resources available in our Teachers Pay Teachers store.

Are Magda and Lindsay dying of anticipation to talk about this book? Or are they feverish from the heat between its main characters?    Find out this week as they discuss Ali Hazelwood's “Mate.”      Email us!  Literally Books Website Literally Books Instagram Magda's Instagram Lindsay's Instagram Literally Books YouTube Literally Books TikTok   Books mentioned in the episode:  “Five Broken Blades“ by Mai Corland “Innocence Road“ by Laura Griffin “The Games Gods Play“ by Abigail Owen “Hot for Slayer“ by Ali Hazelwood “Impossible Creatures“ by Katherine Rundell “The Poison King“ by Katherine Rundell “Twisted Love“ by Ana Huang “Twisted Games“ by Ana Huang “Twisted Hate“ by Ana Huang “Twisted Lies“ by Ana Huang “The King of Wrath“ by Ana Huang “Oathbringer“ by Brandon Sanderson “Mistborn“ by Brandon Sanderson “The Strata Wars” by Brandon Sanderson and Peter Orullian “A Darker Shade of Magic“ by V.E. Schwab

Your 60-second money minute. Today's topic: Younger Investors Using Schwab Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

„Kaffee, Kuli, Klumpert“ gilt als die heilige Triade bei Geschenken im beruflichen Kontext. Aber dürfen Arbeitnehmer überhaupt Geschenke von Dritten annehmen? Gibt es eine Wertobergrenze? Macht es einen Unterschied, ob Geld oder Dinge geschenkt werden? Und was ist unter „allgemein üblicher Aufmerksamkeit“ zu verstehen?Diese Fragen erörtert in der aktuellen Episode unseres Podcasts die Arbeitsrechtsexpertin Jennifer Schwab von der Wirtschaftsuniversität Wien mit Elisabeth Maier (MANZ). Hören Sie rein!Service:Schwab, Zivilrechtliche Grenzen der Geschenkannahme im Arbeitsverhältnis, ZAS 2025/42 Gefällt Ihnen, was Sie hören? Dann abonnieren Sie den Podcast und empfehlen Sie ihn weiter. Lob, Kritik und Anregungen: podcast@manz.at

Markets are responding to signs of easing U.S.–China tensions while investors also weigh risks from the ongoing government shutdown. Former OMB Director Mick Mulvaney discusses the political backdrop and potential market fallout. Liz Ann Sonders of Schwab breaks down the latest Fed and bond market signals, and Ray Wang of Constellation Research looks ahead to a major week of mega-cap tech earnings. We also cover Whirlpool and NXP results and speak with Jon Cherry, CEO of Perpetua Resources, about receiving the first investment from JPMorgan's new strategic fund, before looking to the week ahead with Tim Seymour. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After you listen:Read more of Rob's insights in his article "How Fed Rate Cuts Can Impact Mortgage Rates."Explore Schwab's education and resources around real estate.In this episode of Financial Decoder, Mark Riepe is joined by Rob Williams, managing director and head of wealth management at the Schwab Center for Financial Research, to discuss the complexities of buying a home, covering the essential steps, financial considerations, key players, and even the emotional factors that tend to affect our decision-making around the home-buying process.Learn more about the important elements like mortgage pre-approval, down payments, and closing costs, as Mark and Rob aim to address common misconceptions and mistakes. Their conversation concludes with practical advice and a checklist for potential home buyers to ensure they make informed decisions.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.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.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly.S&P 500® Index- Measures the performance of 500 leading publicly traded U.S. companies from a broad range of industries. It is a float-adjusted market-capitalization weighted index.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.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1025-1CJ6Follow Financial Decoder on Spotify to comment on episodes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You've met Lestat. Now it's time to meet Sabine, the sure-to-be-iconic vampire heroine of #1 New York Times bestselling author V.E. Schwab's "love letter to Anne Rice", BURY OUR BONES IN THE MIDNIGHT SOIL. Christopher and Eric welcome the beloved dark fantasy author to their latest AnneCast. Not only do they discuss the moving peer tribute she contributed to the documentary film for ANNE RICE, AN ALL SAINTS' DAY CELEBRATION, they talk about writing into the darkness, "stress testing" supernatural worlds and the changing faces of queerness in speculative fiction. It's a conversation as riveting as any of Victoria's many bestselling novels. Unfortunately, the author's beloved cat did not make an appearance. Listen to find out why.

Today, we’re excited to be joined by Adam Schwab, co-founder and CEO of Luxury Escapes. Adam has built one of Australia’s most successful travel brands from the ground up - taking a leap from a legal career, surviving some of the most difficult years in travel, and now leading a global business that connects millions to curated luxury getaways. In our conversation today, we’ll go deep into how he’s thought about risk, culture, growth, and what luxury travel might look like 10 years from now _ Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.__See omnystudio.com/listener for privacy information.

This week, Collin Martin sits in for Liz Ann Sonders. Kathy Jones and Collin discuss the upcoming Consumer Price Index (CPI) report and the Federal Reserve's anticipated interest rate cut. They analyze the current state of the credit markets, particularly focusing on recent defaults and the implications for high-yield bonds. The discussion also covers the demand dynamics in private-versus-public credit markets and the potential risks associated with high-yield investments. Finally, they look ahead to upcoming economic indicators and the challenges posed by a lack of data.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 are 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. 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.High-yield securities and unrated securities of similar credit quality (junk bonds) are subject to greater levels of credit and liquidity risks and may be more volatile than higher-rated securities. High-yield securities are considered predominately speculative with respect to the issuer's continuing ability to make principal and interest payments.Investing in alternative investments is speculative, not suitable for all clients, and generally intended for experienced and sophisticated investors who are willing and able to bear the high economic risks of the investment. Investors should obtain and carefully read the related prospectus or offering memorandum, which will contain the information needed to help evaluate the potential investment and provide important disclosures regarding risks, fees and expenses.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.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.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. Bloomberg US Corporate High-Yield Bond Index- Measures the performance of the US Dollar-Denominated, high yield, fixed-rate corporate bond market. Securities are classified as high-yield if the middle rating of Moody's, Fitch, and S&P is Ba1/BB+/BB+ or below. Bonds from issuers with an emerging markets country of risk, based on Bloomberg EM country definition, are excluded. It is a market-value weighted index.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.(1025-02S5) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Connect with Early Riders // Connect with OnrampPresented collaboratively by Early Riders & Onramp Media…Final Settlement is a weekly podcast covering capital markets, dealmaking, early-stage venture, bitcoin applications and protocol development.00:00 – Intro & welcoming Gustavo Flores01:17 – UK opens retail BTC/ETH ETPs04:13 – Japan stablecoins & productization07:49 – LATAM stablecoin wave; Brazil in focus11:27 – Coinbase x CoinDCX (India/APAC)15:47 – Stablecoin plumbing: BlackRock & Stripe20:27 – BTC credit vs high LATAM rates; Bolivia case23:31 – Nubank pursues U.S. bank charter29:11 – 2026 custody (Citi/Schwab) & cycle timing33:25 – Aureo announced (Swapido → Aureo)35:03 – Aureo MIC thesis & team42:21 – Storage-first: MIC + localized service56:40 – Debasement trade & BTC hurdle rate1:04:23 – Onramp Business controls; wrap & disclaimerIf you found this valuable, please subscribe to Early Riders Insights for access to the best content in the ecosystem weekly.Links discussed:https://www.aureobitcoin.com/enhttps://www.earlyriders.com/news/early-riders-acts-as-exclusive-investor-in-aureos-pre-seed-round-to-build-latam-native-bitcoin-financial-services-infrastructurehttps://bitcoin.docsend.com/view/2dj7n3sjr5uyrsr4https://blockworks.co/news/tempo-series-a-raisehttps://www.lightspark.com/news/lightspark/introducing-lightspark-gridhttps://www.theblock.co/post/374924/blackrock-to-launch-genius-compliant-money-market-fund-tailored-for-stablecoin-issuers-report?utm_source=telegram1&utm_medium=socialhttps://www.cnbc.com/2025/10/13/citi-aims-to-launch-crypto-custody-in-2026-exploring-stablecoin.htmlhttps://www.theblock.co/post/375228/japan-fsa-local-banks-cryptohttps://www.theblock.co/post/375250/21shares-bitwise-blackrock-wisdomtree-uk-retail-bitcoin-ethereum-etps-fcahttps://www.coinbase.com/en-in/blog/Coinbase-makes-investment-in-CoinDCX-expanding-our-commitment-to-India-and-the-Middle-Easts-crypto-futurehttps://www.theblock.co/post/374870/paxos-mistakenly-mints-300-trillionhttps://www.theblock.co/post/375083/japans-big-banks-join-forces-on-stablecoins-to-speed-corporate-payments-nikkeihttps://www.theblock.co/post/374643/stripe-stablecoin-unit-bridge-applies-for-national-bank-trust-charter-co-founder-zach-abrams-saysKeep up with Michael:https://x.com/MTangumahttps://www.linkedin.com/in/mtanguma/Keep up with Brian:https://x.com/BackslashBTChttps://www.linkedin.com/in/brian-cubellis-00b1a660/Keep up with Liam:https://x.com/Lnelson_21https://www.linkedin.com/in/liam-nelson1/Keep up with Gustavo:https://x.com/gustavojfehttps://www.linkedin.com/in/gustavo-j-flores-echaiz/

Schwab, Sylvia www.deutschlandfunkkultur.de, Lesart

Schwab, Sylvia www.deutschlandfunkkultur.de, Lesart

Schwab, Sylvia www.deutschlandfunkkultur.de, Lesart

Inside the Fight to End Human Trafficking | Tyler Schwab of Libertas InternationalIn this powerful episode of Gamechangers Podcast, host Sergio Tigera sits down with Tyler Schwab, founder and CEO of Libertas International, a nonprofit organization dedicated to identifying victims of human trafficking, working with local law enforcement across Latin America, and helping survivors rebuild their lives in safety and dignity.From the streets of the Dominican Republic to courtrooms in the United States, Tyler shares the shocking realities of modern-day slavery—and the incredible stories of resilience and hope that keep him and his team fighting every day

Don answers six listener questions covering CD ladders vs. bond funds, global diversification for young investors, allocation shifts for early retirees, HSA documentation rules, 529 plan comparisons, and whether Dave Ramsey-style portfolios need bonds. He closes with practical guidance on holding cash for opportunities and a reminder about the value of disciplined, evidence-based investing. 0:10 Friday Q&A intro and how to send in questions 1:51 Are CD ladders a good replacement for bond funds? 3:37 How to build a disciplined CD ladder and avoid rate-timing mistakes 3:41 A father asks how to diversify his daughter's Roth IRA beyond VTI 5:48 Couple planning early retirement—asset allocation and 72(t) options 9:41 Why bonds exist: emotional stability vs. return chasing 11:29 The case for international diversification 11:29 Long-term HSA strategy and what to do without old receipts 14:32 How to recreate expense records and save PDFs going forward 15:26 Which 529 plans are best for kids aged 2–12? (Utah vs. Schwab) 17:28 Dave Ramsey investing myths and the real purpose of bonds 20:36 When to start adding bonds—take the Talking Real Money risk quiz 21:00 Where to park six-figure cash for car or property purchases 22:46 Short-term safety vs. yield trade-off Learn more about your ad choices. Visit megaphone.fm/adchoices

Bank stocks are tumbling as concerns about bad loans at regional banks have worried global investors. CNBC's Leslie Picker reports on the selloff and what's driving it. Charles Schwab CEO Rick Wurster discusses the health of the U.S. lending ecosystem and his own firm's record quarter, including Gen Z appetite for retail investing and growing demand for alternative assets. CNBC's Steve Liesman breaks down the latest CNBC All-America Economic Survey, and Eamon Javers reports on Treasury Secretary Scott Bessent's meeting with China's Vice Premier amid tense trade talks. Plus, a new partnership with Meta boosts Ray-Ban maker EssilorLuxottica's sales by nearly 12%. Leslie Picker - 07:39Rick Wurster - 12:44Steve Liesman - 28:25Eamon Javers - 37:44 In this episode:Steve Liesman, @steveliesmanEamon Javers, @eamonjaversLeslie Picker, @LesliePickerJoe Kernen, @JoeSquawk Becky Quick, @BeckyQuickCameron Costa, @CameronCostaNY Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, Kevin Gordon fills in for Kathy Jones. Liz Ann Sonders and Kevin discuss the recent NABE conference and the current state of the markets in light of the government shutdown and recent tariff announcements. They explore the implications for earnings season, the potential impact of AI on productivity, and the challenges facing the labor market. They also cover the importance of upcoming economic data releases and how relying on alternative data could have potential effects on market trends and monetary policy.Then, Liz Ann is joined by Patrick Harker, former president and CEO of the Federal Reserve Bank of Philadelphia. Harker discusses several economic challenges facing the U.S., including the impact of the government shutdown on economic data, the independence of the Federal Reserve, and the complexities of fiscal policy. He shares his thoughts on the need for better data collection and the role of private-sector data sources, while also addressing the labor market dynamics influenced by immigration policy. Harker reflects on his tenure at the Philadelphia Fed and shares insights on the importance of pragmatic policymaking.Finally, Liz Ann and Kevin take a look ahead at upcoming economic indicators and how the government shutdown could affect future data releases.On Investing is an original podcast from Charles Schwab. 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.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. 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.(1025-WE69) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This might be a more recent episode but don't let that discourage you because this is a really good one! Marge is having a hard time dealing with the kids growing up and oh boy can can we relate! Come along as we compare our experiences with Marge's and break down this episode that pulls at the heart strings. Other Nonsense- Shock that podcasts are recorded- Walt Disney's cyrogenically frozen head- Rebranding our friend's podcasts- Numerous tangents into a Romper Room Shoutout- The Don Johnson battle results- Simpsons Movie 2 news and thoughts- Lucid dreaming and sleeep paralysis- Our experiences with our kids growing upOur RecommendationsBryan: Simpsons Declassified PodcastCori: Lauren Graham's Star on the Walk of Fame, Taylor Swift's Tales of a Showgirl, Bury Our Bones in the Midnight Soil by V.E. Schwab, The Yogurt Shop Murders And The Conjuring Last RitesPatrick: The 35th Anniversary of The Teenage Mutant Ninja Turtles movie and the audio book Project Hail MaryWant to reach out to us here's how you can do it:Email: soitscometothispod@gmail.comInstagram: @soitscometothis_podFacebook: @soitscome2thisWeb: radpantheon.com

Don swats a studio bug, then swats down the idea of dividend-driven retirement portfolios. Drawing on Jason Zweig's interview with Richard Thaler, they explain why retirees should focus on total return—spending from a diversified portfolio rather than chasing yield. They hit Robinhood's profit model, bid-ask spreads, and the need for automatic-enrollment retirement plans. A listener call leads to a discussion of Social Security timing, debt-free retirement, and (yes) hodgepodge-itis—Don's term for chaotic portfolios. Things wrap with a jailed investor's question, some gallows humor, and the usual banter about holidays and compliance. 0:04 Bug chaos and phone-line reminder 1:41 Why dividend-income portfolios are a trap 2:50 Jason Zweig & Richard Thaler on total-return spending 4:18 Total return beats “high-dividend” illusions 5:39 Robinhood's option-spread profits and the myth of “free” trading 6:15 Schwab vs. Robinhood: relative honesty in bid-ask spreads 7:43 Thaler's take on missing retirement plans and automatic savings 9:05 Anniversary talk and the failed “Debbie Show” experiment 10:15 Back to Thaler—why most workers still lack plans 11:39 Tesla options example showing 7 percent spread 12:05 Case for national retirement depository & hybrid Social Security 13:33 Hodgepodge-itis defined (and owned by Don) 14:51 Low call volume and the Mariners' hangover 15:52 Listener Kevin asks about dividends vs. selling stock 16:53 Reinvesting dividends vs. total-return withdrawals 18:17 Dividends reduce company growth potential 19:45 Why high-yield chasing kills diversification 20:07 Caller David, age 67, plans retirement & asks how to prep 21:55 Social Security timing advice—benefits rise monthly 22:50 David's details: city pension, deferred comp, house, no debt 24:07 Getting professional fiduciary advice before retiring 25:23 David's crypto confession and $3K Ripple gamble 27:27 Jail-bound investor asks where to park money 30:18 Don & Tom debate investing from behind bars (humor intact) 33:19 Columbus Day scheduling confusion & closing banter Learn more about your ad choices. Visit megaphone.fm/adchoices

Thoma Bravo general counsel Steven Schwab discusses the appeal of being an in-house lawyer, the differences between working at a trading firm and a PE sponsor and the issues he's thinking about now.

En este episodio de VG Daily, Eugenio Garibay y Andre Dos Santos arrancan con el frente geopolítico: el endurecimiento entre Estados Unidos y China, que Donald Trump ya califica abiertamente como guerra comercial, y el segundo foco de tensión con Venezuela, tras la autorización de Donald Trump a la Agencia Central de Inteligencia (CIA) para operar dentro del país. Luego pasan al terreno corporativo con los resultados de TSMC, BNY Mellon y Charles Schwab, desmenuzando sorpresas, márgenes y lectura de demanda hacia adelante. Cierran con el cierre de gobierno en Estados Unidos y sus implicaciones para la economía. Un episodio que conecta geopolítica, ganancias empresariales y política fiscal para entender el mapa de riesgos y oportunidades en las próximas semanas.

  In this episode of JKL Media Reviews, Karen, Jesse, and Lou delve into the novel 'The Invisible Life of Addie LaRue' by V.E. Schwab. Karen leads the discussion, drawing from her experience of reading the book multiple times. The hosts explore the themes of immortality, memory, and connection, discussing main characters Addie, Luke, and Henry, and debating the book's ending and its implications. They also touch on the broader narrative devices used by Schwab, such as Addie's impact on art and her relationships. The episode wraps up with reflections on the book's emotional resonance and lasting impact. 00:00 Introduction and Hosts 00:34 Book Introduction: The Invisible Life of Addie LaRue 00:45 Karen's Personal Connection to the Book 01:38 Lou's Perspective on the Book 04:38 Jesse's Thoughts on the Book 11:13 Discussion on Addie LaRue's Character 20:00 Addie LaRue in 1700s France 25:42 The Mentor: Estelle 29:01 The Antagonist: Luke 43:18 Henry and His Curse 46:59 Character Analysis: Inner Life and Relationships 47:57 The Curse and Its Implications 48:39 Romantic Tropes and Character Dynamics 52:10 Artistic Influence and Legacy 56:07 Layers of Relationships and Impact 01:05:12 The Ending: Sacrifice and Long Game 01:21:32 Final Thoughts and Reflections

Pokemon Cards are in hot demand – with a rise in prices far outshining equity markets. But is this the definition of a bubble?See omnystudio.com/listener for privacy information.

Can trees really grow your wealth? In this episode, Mike talks with John Brenard, Founder and Managing Director of Southview Timberland Investments, about how timberland and farmland offer strong returns, steady cash flow, and natural inflation protection. John explains why this overlooked asset class is gaining traction with investors who want something real, stable, and sustainable. In this episode, we chat about… From Wealth Management to Timberland: How John turned a family land purchase into a thriving investment strategy. Why Timberland Works: A proven inflation hedge that's uncorrelated to the stock market. The Power of the Southeast: Why this region now leads global timber production. More Than Just Trees: Multiple income streams from harvesting, farmland leasing, and recreational use. Sustainable by Nature: How responsible forestry adds both environmental and financial value. Investor Access: How Southview's five-year fund makes timberland investing accessible through Schwab. Tariffs and Opportunity: How U.S. trade policies are fueling domestic timber growth. Key Takeaways: Timberland is a true alternative asset, it's uncorrelated to traditional markets and historically stable. The Southeast U.S. is now the global timber powerhouse, offering strong mill infrastructure and high demand. Investors can access institutional-quality deals through Southview without the massive minimums of traditional TIMOs. Timberland offers multiple income channels, from harvest revenue to farmland and recreational leases. Sustainability drives returns, good forestry practices directly increase land value and resale potential. Southview's fund model is transparent and investor-friendly, offering regular reporting, on-site visits, and digital onboarding. New trade and tariff policies are strengthening American timber markets, creating additional upside for domestic investors.   Resources from John LinkedIn | Southview Timberland Investments | Email Resources from Mike and Nichole Gateway Private Equity Group |  Nic's guide

After you listen:Read more from Chris Kawashima in his article "What is Health Insurance and Do I Need It?"Explore more of Schwab's insights on health care.Health-care costs are a major part of most households' budgets, yet many people struggle to understand what they're actually paying for. This episode breaks down how health insurance coverage works, what common medical expenses really mean for your wallet, and how to make smarter choices during open enrollment. Host Mark Riepe is joined by return guest Chris Kawashima, a director of financial planning at the Schwab Center for Financial Research, to explain key terms like deductibles, copays, and coinsurance. They offer practical strategies for managing costs year-round and also discuss smart ways to use tools like FSAs and HSAs to save for short-term and long-term health-care needs. 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.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1025-UR8D Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Crispin Glover is best known for playing George McFly in “Back To The Future,” but for the past three decades he's been very thoughtful, patient, and selective about his acting roles and even more thoughtful and patient as a true independent filmmaker, self-financing and self-distributing three films — “What is it?”, “It is Fine! Everything is Fine,” and his latest, “No! You're Wrong Or: Spooky Action at a Distance.” On this episode, which is the first part of a two-part conversation, he talks about a characteristic in certain directors that usually spells trouble for him as an actor, the importance of surrealism in his work, why he became obsessed with “The Hero's Journey” and structure in general, his latest role in Tallulah H. Schwab's film “Mr. K,” and much more. Glover is at IFC Center in New York City through October 14th at both “Mr. K”. and “No! You're Wrong” screenings, the latter will also include his “Big Slide Show” and book signings. Sign up at CrispinGlover.com for info on his upcoming tour. Back To One is the in-depth, no-nonsense, actors-on-acting podcast from  Filmmaker Magazine. In each episode, host Peter Rinaldi invites one working actor to do a deep dive into their unique process, psychology, and approach to the craft.  Follow Back To One on Instagram

Send us a textA sign-off, a handover, and a candid origin story. We open with why the mic is changing hands and then dive straight into Connor's path—from a childhood of four brothers and a legendary treehouse to a career shaped by a passion for the outdoors and a data-led obsession with outdoor hospitality investment data. You'll hear how a sold-out weekend in Joshua Tree reframed “dirt” as valuable inventory, why the numbers pushed him from traditional camping toward glamping, and how a mother–son Kilimanjaro summit trip transformed into a year long 'R&D' trip.Connor unpacks the deals that almost happened, including a pre-COVID lease-to-own near Smith Rock. We explore his years at Sage building investment-grade feasibility studies, harvesting comp data from hundreds of booking calendars, and partnering to elevate industry insights beyond surveys and into measurable demand. We also confront the hard parts—burnout, trade-offs, and choosing a mission..Looking forward, Connor maps a clear product vision: hard‑walled, glass‑forward cabins within two hours of major cities, 20–50 keys, indoor–outdoor living without the canvas headaches, and operations designed for an unplugged guest experience. He's stepping into US‑wide brokerage with his brother while continuing selective consulting and feasibility work, aiming to help founders buy smarter, fund faster, and build places that connect with the natural world. If you care about glamping strategy, outdoor resort feasibility, and the “why” that keeps teams going when permits stall and spreadsheets glare, this one's for you.Enjoyed the conversation and want more like this? Follow the show, share it with a friend who loves the outdoors, and leave a quick review so others can find us.Sponsors:Clockwork DesignOutdoor hospitality's top architecture & design firm. To learn more email christian@clockwork-ad.comSage Outdoor AdvisoryThe leading outdoor consultancy in feasibility studies and appraisals. To learn more email contact@sageoutdooradvisory.com 

Episode 113: John Bunch, CEO of Allworth Financial. With over 30 years in financial services, John has guided firms through big transitions, from founder succession and acquisitions to private equity cycles and scaling operations, while preserving their culture.  This week, Kyle talks with John about leading Allworth into its third generation. John reflects on lessons from Schwab and other founder-led firms, and how Allworth is balancing organic growth with strategic acquisitions. He explains the importance of culture, integration, and advisor support, while also detailing the firm's investments in tax services and AI innovation. From client-centric models to the future role of advisors as coaches, John offers an inside look at building enduring growth in a rapidly changing RIA landscape. In this episode: (00:00) - Intro (02:11) - John's money moment (04:07) - Allworth's third-generation growth strategy: Evolve, Elevate, and Execute (04:51) - The holy grail of financial services (07:04) - Allworth's organic growth strategy (09:29) - John's growth mindset (12:29) - What it's like to work with industry legends  (16:09) - Why RIAs are moving into tax services (19:10) - The power of specialized teams (22:02) - How Allworth manages multiple tech stacks (24:16) - Allworth's approach to AI adoption (28:31) - John's thoughts about the future of the industry (30:35) - John's Milemarker Minute Key Takeaways The holy grail in this industry is organic growth. Acquisitions help, but building scalable, client-centered growth engines is what drives long-term value. Don't focus on what you spend on growth. Focus on the payback. If a channel is working, invest more in it. A supportive board will always back a strategy with a good return on investment. Be a "fiduciary to their dreams." When acquiring a founder-led firm, respect their legacy and understand that they built the business to help people. Frame the future as a partnership and be willing to adopt the best ideas, regardless of where they come from. Embrace AI now or get left behind. Firms that fail to strategically adopt AI will be at a disadvantage. Start experimenting and integrating it into your operations, from client service to advisor dashboards, and see how it can help you get more insights. Quotes "The holy grail in this industry is organic growth. That's what drives valuations. And if you get that right, you're building a scalable business for the future." ~ John Bunch "If you're not willing to evolve your business and elevate how you meet with your clients, you're going to be in a bit of trouble. The winners in the long term in this industry are going to be the folks who can grow organically." ~ John Bunch "Advisors will be more like counselors and coaches on a wide variety of things than they will be on experts on cash flow or investments. And the firms that actually help their advisors move in that direction are going to be the winners." ~ John Bunch Links  John Bunch on LinkedIn Allworth Financial Pat McClain Scott Hanson Darla Sipolt Charles Schwab Jump AI Atomic Habits Connect with our hosts Milemarker.co Kyle on LinkedIn Jud on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify YouTube Produce game-changing content with Turncast Turncast helps your company grow by producing top-quality content and fostering transformative conversations. We specialize in content generation, podcasting, digital strategy, and audience growth for fintech and financial services companies. Learn more at Turncast.com.

In this episode, Liz Ann Sonders and Kathy Jones begin by discussing the implications of the government shutdown on employment data and the Federal Reserve's dual mandate. They analyze the challenges posed by the potential lack of government data and the reliance on private sector indicators like ADP. Then, Kathy Jones speaks with Joel Levington, who has more than 25 years' experience in corporate credit research. Kathy and Joel discuss the overall current state of the credit markets, focusing on corporate credit health, the auto industry's challenges, and some of the impacts of economic disparities on consumer credit. They explore the significance of credit ratings, the rise of private credit, and the implications of inflation and government policies on the economic outlook.Finally, Kathy and Liz Ann discuss upcoming economic data and how earnings season could shape market expectations.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.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. 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.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. 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.(1025-NWPB) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After you listen:Learn more about this episode's topic in "Alternative Investments: A Non-Traditional Approach to Investing."Find more resources about alternative investments at Schwab.From hedge funds to private equity, alternative investments cover a wide range of assets outside of traditional markets. In this episode, Mark is joined by Ken Pennington, director of alternative investments and manager research at Schwab, to unpack what they are, how they work, and the key differences that set them apart from traditional stocks and bonds. He and Mark also discuss why investors consider alternatives and where they might fit in broader investment strategies.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.Investing involves risk, including loss of principal.Investing in alternative investments is speculative, not suitable for all clients, and generally intended for experienced and sophisticated investors who are willing and able to bear the high economic risks of the investment. Investors should obtain and carefully read the related prospectus or offering memorandum, which will contain the information needed to help evaluate the potential investment and provide important disclosures regarding risks, fees and expenses.Alternative investments, including hedge funds and funds that invest in alternative investments, often employ leveraging and other speculative practices that increase an investor's risk of loss to include complete loss of investment, often charge high fees, and can be highly illiquid and volatile. Alternative investments may lack diversification, involve complex tax structures and have delays in reporting important tax information. Alternative investments that are closed end funds registered under 1933 or 1940 act would be subject to the same regulatory requirements as mutual funds. Other registered and unregistered funds are not subject to the same regulatory requirements as mutual funds.Alternative investments, including funds that invest in alternative investments, are risky and may not be suitable for all investors. Alternative investments often employ leveraging and other speculative practices that increase an investor's risk of loss to include complete loss of investment, often charge high fees, and can be highly illiquid and volatile. Alternative investments may lack diversification, involve complex tax structures and have delays in reporting important tax information. Registered and unregistered alternative investments are not subject to the same regulatory requirements as mutual funds.Alternative investments are speculative and involve a high degree of risk. Investors may lose all or a substantial portion of their investment. Alternative investments cover a wide array of strategies, including real estate, private equity, private credit, and hedge funds. Risks will vary based on each unique strategy and can include investments in highly illiquid assets or securities, use of leverage, higher fees, lower transparency, tax risks, and limited ability to redeem or limited transferability.Alternative investments may have limited or no liquidity, redemptions or repurchases may not be permitted and no public market may exist to make full or partial liquidations. An investor's capital may potentially be locked for seven or more years. Certain strategies can involve the use of leverage which can enhance returns but also increase losses. Alternative investments are valued less frequently, may be speculative in nature, and may not conform to any particular valuation standard. As a result, advisory fees associated with alternative investments will reflect these valuations compared to more readily available valuations on publicly traded securities.Many alternative investments are exempt from registration requirements that apply to public securities. As a result, alternative investments may have greater investment flexibility but are less transparent given they do not have to adhere to the typical disclosure requirements of public market investments. Alternative investments often carry higher fees and more complex expense structures than traditional asset classes. These fees and expenses lower investment returns.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.​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. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.All corporate names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets. Investing in emerging markets may accentuate this risk.​Commodity-related products carry a high level of risk and are not suitable for all investors. Commodity-related products may be extremely volatile, may be illiquid, and can be significantly affected by underlying commodity prices, world events, import controls, worldwide competition, government regulations, and economic conditions.​Currency trading is speculative, very volatile and not suitable for all investors.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/indexdefinitionsThis 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.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.0925-LRZC Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren't surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt's grain during the years of plenty. His preparation wasn't random—it was steady and systematic. That's exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.What Is a Sinking Fund?A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you've been building.This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It's not glamorous, but it works.Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait until the snow falls to collect food—she steadily prepares in advance.Trusting God doesn't mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.Where to StartIf you're new to sinking funds, begin with one category. Break down the expense into monthly contributions:Car repairs & replacement—Tires, brakes, or even a future vehicle.Home maintenance—Roofs, furnaces, and appliances all wear out.Medical costs—Co-pays, deductibles, or out-of-pocket expenses.Gifts & holidays—Birthdays and Christmas come every year.Insurance premiums & taxes—Annual or quarterly payments made manageable.Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church's needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.The goal isn't to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.Faith Expressed Through StewardshipChoose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you've built the habit, add another fund. Before long, you'll have a system that turns stress into confidence and panic into peace.Creating sinking funds is more than a budgeting trick—it's a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn't replace faith—it reflects it.So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn't just believing God will provide when the bill arrives—it's also honoring Him by preparing with the resources He has already placed in your hands.On Today's Program, Rob Answers Listener Questions:I'm retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?I'm 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?I didn't have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family's attitude toward money?I've looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What's your perspective on that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Kathy Jones and Liz Ann Sonders look at the state of the markets a week after the quarter-point Fed rate cut. They also discuss the implications of the lower rate for the broader market, the particular dynamics of the Federal Reserve's economic projections, and the current state of the labor market. Next, Kathy speaks with Robin Brooks, senior fellow in the Global Economy and Development Program at the Brookings Institution. They discuss the current state of central bank policies, focusing on the recent Fed meeting and its implications for the dollar and global markets. They explore the complexities of market reactions to Fed easing, the long-term outlook for the dollar, and the importance of institutional integrity in maintaining the dollar's status as a reserve currency. Finally, Kathy and Liz Ann discuss which key economic data to watch in the coming weeks.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.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. 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.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. 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-KKW0) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As a government shutdown looms, Barbara Doran of BD8 Capital and Kevin Gordon of Schwab weigh in on markets against stronger-than-expected economic data. Emily Wilkins reports on whether mass federal firings are really possible, while Eamon Javers digs into the latest TikTok deal developments.On the corporate front, Melissa Repko breaks down Costco earnings, TD Cowen analyst Andrew Charles joins on Starbucks job cuts, and Okta CEO Todd McKinnon shares his outlook. Sara Malik of Nuveen debates whether the AI trade is showing shades of the dot-com bubble, and Mike Ozanian details the Patriots'  stake sale to private equity firm Sixth Street. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of The Grow Your Wealthy Mindset, we dive into donor-advised funds (DAFs)—a powerful but often overlooked tool for charitable giving.You'll learn:What a donor-advised fund is and how it worksWhy donating appreciated assets (like stock) may be smarter than giving cashThe benefits and downsides of using a DAFHow Fidelity, Schwab, and Vanguard's donor-advised funds compareWhen a DAF might make sense in your own financial or estate planningWhether you're already a generous giver or want to maximize the impact of your future donations, this episode will help you understand whether a donor-advised fund belongs in your financial toolkit.Resources Mentioned:Fidelity Charitable: https://www.fidelitycharitable.orgDAFgiving360™ (Schwab): https://www.schwabcharitable.orgVanguard Charitable: https://www.vanguardcharitable.orgDaffy https://daffy.orgCharityvest https://www.charityvest.org/ https://inequality.org/article/top-public-charities-dafs/Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

Key Highlights from the Episode:2:55 – Why advisors avoid executing on tech integrations and what stops them from leveraging the tools available4:45 – How JEDI offers a cost-effective alternative to hiring full-time tech staff for CRM and custodial support6:10 – Data hygiene explained: why it matters for compliance, efficiency, and business valuation7:45 – Succession planning and clean data: how preparation today drives higher multiples tomorrow10:50 – Custodian and CRM integrations (Salesforce, Redtail, Wealthbox) that streamline advisor workflows13:00 – Why scalable, repeatable processes matter for growth and long-term success14:20 – The rise of AI tools in wealth management and how advisors can take advantage16:05 – JEDI's new partnerships: approved with Schwab, plus collaborations with Salesforce, Wealthbox, and Redtail18:10 – Freeing up staff through workflows and automation so advisors can focus on growth and client relationshipsResources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Technology Solutions for Advisors: https://jedidatabasesolutions.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

In today's episode, we'll talk about the secret to a happy points & miles marriage, chasing "The Infatuation" credits, Hilton's 250K devaluation, and everything you need to know about the refreshed $895 Platinum cards: (Including The Platinum Card® from American Express and The Business Platinum Card® from American Express). We thought this annual fee might be all bad news, but these cards are shockingly compelling!Giant Mailbag(01:30) -"I was wondering if you would be so kind and encourage my wife “Lindsey” to try and use the correct card for purchases on the next podcast."Card News(06:23) - Chase Sapphire Reserve® Card fights back(12:36) - Chase Sapphire Preferred® Card(15:37) - Southwest® Rapid Rewards® Performance Business Credit Card(19:48) - Chase Ink Business Cash® Credit Card and Chase Ink Business Unlimited® Credit CardLearn more about signing up for Chase Ink cards here.The Bonvoyed Collection®™(21:54) - MaxOut Deals(24:32) - Hilton standard award nights now cost up to 250K points(26:38) - Citi locking accounts for many Strata Elite customers, requesting tax transcriptsAwards, Points, and More(30:35) - Hilton for Business offering Diamond status fast track after 10 nights through Dec 15(31:22) - Now filter to Marriott properties with a club loungeMain Event: $895 Platinum Card: Shockingly Compelling(32:54) - Big Picture (all Platinum cards)See our posts on the consumer cards here and the business card here(38:15) - Consumer Platinum cards (includes The Platinum Card® from American Express, The Platinum Card® from American Express for Schwab, and The Platinum Card® from American Express Exclusively for Morgan Stanley)(56:52) - The Business Platinum Card® from American Express(1:08:58) - What we predicted in MarchQuestion of the Week(1:16:44) - This reader earned less through their Chase Travel℠ booking than they expected when using the Chase Sapphire Preferred® Card. We'll explain why the way these points are posted can be confusing and misleading.Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie Yoder

Kathy Jones and Liz Ann Sonders analyze the market reactions to this week's quarter-point Fed rate cut. They also look at the implications of the lower rate for the broader market, the particular dynamics of the Federal Reserve's economic projections, and the current state of the labor market. Then, Freya Beamish, chief economist for TS Lombard, joins Liz Ann in a discussion focused on tariffs and labor market conditions. She emphasizes the complexities of the labor market, particularly in relation to immigration and job creation. The discussion also touches on the legal aspects of tariffs and the potential reactions from the Federal Reserve. Beamish concludes with an optimistic outlook on productivity growth and the influence of AI on the economy.Finally, Kathy and Liz Ann discuss which key economic data to watch in the coming weeks.You can keep up with Freya Beamish and follow her podcast Perkins Vs Beamish.On Investing is an original podcast from Charles Schwab. 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.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. 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.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-GCNT) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why are we out of balance, not just within our own selves, but collectively as society? What fundamental qualities do we need to cultivate that can lead to breakthrough solutions to humanity's core problems today? What lessons can we draw from nature's cycles to inform and advance our own work and life pursuits? What new avenues can we explore to shift us and others to a higher state of consciousness? What is the ROI of inner work? Does extraordinary change only begin through the force of a singular heroic individual or is that a myth? And what does it take to activate group genius?Find out from Nicole Schwab, exclusively in conversation with Dr. Hitendra Wadhwa on Intersections Podcast.Nicole Schwab is a policy leader, systems change expert and author, with more than 20 years experience in building communities and facilitating processes for collective action. She is the Co-founder and Managing Director of Ostara Collective, an environmental services organization, on a mission to restore relationships to ourselves, each other, and the Earth, building engaged communities of changemakers to reimagine and catalyse the emergence of an economy in service of life. In the past, Nicole has co-headed the Nature Pillar and chaired the Forum of Young Global Leaders at the World Economic Forum; advised forest and ocean conservation non-profits including National Geographic Society's Campaign for Nature; and co-founded the EDGE Certified Foundation, a business certification standard for gender equality in the workplace. Nicole has also authored the book, The Heart of the Labyrinth, a spiritual parable offering earth centered wisdom.In this episode, Nicole reveals:- Why we are out of balance, not just within ourselves but as society- The ROI of inner work and fundamental qualities we need to cultivate to achieve breakthrough solutions at the personal and collective level

Another FOMC meeting kicking off today:Carl Quintanilla, Sara Eisen, and David Faber broke down a slew of new data points from consumer retail sales to new homebuilder sentiment crossing top of the hour. Charles Schwab's Chief Investment Strategist Liz Ann Sonders joined the team with her expectations - while one banks analyst broke down his top picks in the space as the big banks hit new highs. Plus: CNBC's out with our latest Fed Survey - what investors need to know this hour.  Also in focus: a potential U.S.-China Tiktok deal... Hear David Faber's exclusive reporting, and what Oracle has to do with it - along with more details on what's driving declines in shares of Warner Brothers Discovery. Plus: Eli Lilly revealing the first of 4 new manufacturing sites here in the U.S. during the hour - and CEO David Ricks talked to CNBC about the move. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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

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!

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)

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