Podcasts about shaped

Country singer-songwriter Mark Mackay joins The Travel Wins Podcast to share his journey through thousands of shows, iconic venues, and endless miles on the road.In this episode, Mark talks about:·         How travel influences his songwriting·         Staying authentic in today's music industry·         The stories behind songs like “Old Songs and Old Trucks”·         Balancing creative growth with staying true to your rootsIf you love American roots music, country-rock, and real conversations about life on the road, this episode delivers.

Keith discusses the K-shaped economy, where income from capital assets is rising while labor income is declining.  In 1965, 50% of income came from labor and 50% from capital; by 1990, it was 54% and 46%, respectively, and today it's 57% and 43%. Keith emphasizes the importance of how capital compounds over labor and advises on building ownership in real estate and businesses.  Finally, he answers your listener's questions about: agricultural real estate inflation, profiting on mortgage loans, transitioning from accumulation to preservation and a fast-growing state that no one talks about. Episode Page: GetRichEducation.com/584 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host. Keith Weinhold, capital compounds, labor doesn't realizing this can change allocation decisions for the rest of your life. Then I discuss giving. Finally, I answer your listener questions about agricultural real estate inflation, profiting on mortgage loans when it's time for you to stop accumulating properties and a fast growing state that no one talks about today on get rich education   Speaker 1  0:33   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Williamsburg, Virginia to Williamsport, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, and I'm somewhat near Williamsport, Pennsylvania today. For years, I've told you about the widening canyon between the haves and the have nots, and that's something that you might have only visualized in your head or merely considered a theory, but now you can see it. There's a chart that I recently shared with our newsletter subscribers that might just make your spine tingle and look, I don't like saying this, but hard work just does not pay off like it used to. This is emblematic of the K shaped economy. Just visualize the upper branch of the K, a line rising over time, and the lower branch of a letter k, that line falling over time, both plotted on the same chart. So what steadily happened over the last 60 years really is quite astonishing. And look, I don't want the world to be the way that I'm about to tell you it is, but that's just what's occurring. The share of one's income from capital assets is rising, while the share from labor keeps decreasing simultaneously. Now just think about your own personal economy. What share of your income is from your invested capital versus how much of your income is derived from your labor. When you're the youngest, it's all labor. When I got out of college and had my first job, all of my income was from labor. I certainly didn't have any rental property cash flow or stock dividends. But for Americans, here is how it's changed over time, and this K shaped divergence is alarming people in 1965 it was 5050 by 1990 54% of income was from capital and 46% labor. Today it's 57% capital and only 43 labor. Gosh, the divergence is real, and it's only getting wider, and I really had to dig for the sources on this K shaped economy chart. They are the BLS, the Tax Foundation and the International Labor Organization. Increasingly, asset owners are the haves. The upper part of this K shaped economy, that line is drifting up like a helium balloon that you forgot to tie to the chair. It just keeps going up and then the labor share of income, which is shrinking, that is also known as how much of the economic pie goes to people who actually work for a living. That is another way to think of it. So frankly, that's why I say hard work just does not pay off like it used to, because with each wave of inflation, assets, pump, leveraged assets, mega pump and wages lag behind, and we can't allocate our resources in the way that we want the. World to be, but how the world really is. In fact, the disparity is even greater than the chart that I just described to you, because it doesn't even include value accumulation, also known as appreciation. I was only talking about income there, and the reality is that working for a paycheck just pays off less and less and less. No amount of working overtime on a Saturday can make you wealthy, but it might make you miserable. Owning assets pays off more and more. In fact, the effect is even more exaggerated than what I even described, because, as we know, the tax treatment is lighter on your capital gains than it is your income derived through labor. As the economy keeps evolving, those who benefit the most, they do not sell their time for money. They're not trading their time for dollars. In fact, let me distill it down here are, yeah, it's just four words that could change the way you allocate your time and your effort for the rest of your life. Capital compounds, labor doesn't. yeah, there's a lot right there. If you want to keep up or get ahead, you need to be on the capital part of the K, the upper part. And what would that really look like for you in real life? What does that practically mean? It means building ownership into your financial life, owning real estate, owning businesses using prudent leverage, owning things that produce income, and even merely owning more things that appreciate. And here's the great news, though, real estate is still the most accessible, leverageable, tax favored capital friendly asset class ever created. That's whether you're just patching together like 43k for a down payment on your first turnkey single family rental, or making a tax deferred exchange into a 212 door apartment complex. Okay, this is how that can look in real life. The bottom line here is that as the economy gets more and more K shaped, with this divergence between Americans capital share of income increasing and labor share decreasing, that you want to stack real income generating assets. That is the big takeaway.    Keith Weinhold  7:44   Well, this is the time of year where a lot of people feel compelled to give donations. And as a GRE listener that's paid five ways, you've got more ability than others to give, I need to caution you about some things. I'm sorry that it is this way, because I do want to promote giving. It's kind, it's virtuous, and it's not a completely selfless act either, because when I give, it makes me feel good too. You're making a difference, and that feels great. Let's talk about the downsides of giving, though, because few people discuss that. We already know about the upsides when I give to an organization, say, 1500 bucks here, $1,000 over there, well, inevitably, you do get on that organization's contact list. And yeah, I suppose that it is easier to retain a customer or donor than it is to find a new one. Sometimes I just make what I expected to be a one time donation, but they will keep contacting you. Now, I was once on the other side of this. I served on a volunteer committee that organizes athletic events, and a friend of mine, John made a $1,000 donation to our organization one year, which was really kind, and he's just a day job working kind of guy when he didn't make the donation. The following year, someone made it a line item in our meeting minutes to say that John's donation was not renewed. Like that's the only thing they brought up. Oh gosh, that really struck me the wrong way, because here's a guy that traded his time for dollars at a job that I happen to know he doesn't like very much, and the committee statement was that the guy didn't renew his donation. Sheesh, now, when it comes to the tax treatment of, say, $1,000 that you make in a donation, there's a lot of misunderstanding about how that works, and this is the type of subject that you're thinking about now, because sometimes people want to get a tax break tallied up before year end, because some people think that after the year ends, well, the IRS pays you back the $1,000 you donated because it's tax deductible. No, that's how a tax credit. Works. But a tax deduction, which is all that you might be eligible for, means that if your annual income is 100k well then a 1k donation lowers your taxable income to 99k so if you're in the 24% tax bracket, then you'd get 240 bucks back. But you know, in many or even most cases, you're not going to get any tax break at all for making a donation, and this is because you did not exceed the standard deduction threshold, which is now almost 16k if you're single and almost 32k married, you get to deduct those amounts from your taxable income no matter what. So the standard deduction, in a way, it's nice, because you don't have to keep receipts and do all that tracking for everything. So I've had that experience myself where, huh, feeling a little generous throughout the year, giving $1,500 here, $1,000 there. Oh, and then realizing that it does nothing for me on taxes, you have to give more to exceed the standard deduction amount and start itemizing them. And mortgage interest does go into that amount. Okay, it does go into the amount to try to get your total above the standard deduction threshold. So go ahead and give freely, but in a lot of cases, keep in mind that it often does nothing for your taxes, because you're taking that standard deduction if you indeed are. There's been another tip flation trend that's annoying, and that is increasingly when I give a donation online, I'm asked to if I want to leave a tip on top of the donation. That is so weird, a tip is for good service. I'm serving you by being generous enough to give a donation. Sheesh, a tip request on top of a donation. But please do give when you do, one thing that you might want to specify is that it is a one time donation, if that is your intent, or they will constantly follow up with you.    Keith Weinhold  12:06   Coming up next, I'm going to answer your listener questions. A member of Team GRE, who you haven't heard before, is going to come in to ask me your listener questions, and one of them is going to be among the most important topics that our show has never addressed, and it's about time. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  12:28   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and healthcare. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again, 1-937-795-8989   Keith Weinhold  13:40   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Kristen Tate  14:14   this is author Kristin Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  14:32   Welcome back to get rich Education. I'm your host. Keith Weinhold, they say that it takes a village to get some things done and well, it takes a team to prop up this slack jawed operation one GRE team member, capably behind the scenes for more than a year and a half now, is Brenda Almendariz, welcome in. Brenda, Hi, Keith, thanks. Rather than me asking the listener questions this time you. You get to do it, but before we do that, just tell us a bit about your real estate investing.    Brenda  15:07   Sure. So I started maybe learning a little bit about investing and kind of looking into other options to grow my wealth. And I came across the GRE podcast and a few others. So I think about 2018 I did a little bit of just learning and kind of educating myself. And then 2019 I bought my first turnkey property. Turned out well. And then 2020 I bought my second one. And then in 2021 I decided, okay, this is working really well. Maybe I'll do a house hack. I'll do something a little different, and in a year, then maybe I'll do something else. But I've been in my 2021 home now for about almost five years. I'm looking for the next one, hopefully within the next year. But yeah, it's been great. Turnkey. Just met real estate investment company here at my local REIA, and then I learned that I could actually connect with other companies across other places through GRE but yeah, it's been great.   Keith Weinhold  16:02   Brenda lives in Phoenix, just about as close to the center of Phoenix as you can possibly be. I sat down with Brenda for lunch the last time that I was in Phoenix, and like a lot of people, almost everybody that works here at GRE they started out as a listener before they ever worked here. And really, it's that same story with Brenda as well. So yeah, Brenda will want to ask us the first of what we have about four listener questions today   Brenda  16:31   we do, so I'll go over the first one here. Question is, I would love for you to revisit some of the non traditional example, coffee plantation, CBD manufacturing, teak plantation, Belize resort properties and syndication projects you've discussed on the GRE podcast just to see how they turned out. I'm sure some of them failed to deliver the expected returns, and it's the failures that many of us learn the most from   Keith Weinhold  17:02   Yeah, totally. Okay, so not so much a listener question here, but a comment to discuss more of these agricultural real estate investments or ones that are in syndications off of the investment type that you can't do yourself, is what we're talking about here, rather than direct ownership of residential rental property and an appeal to follow up down the road to see how they really turned out. And you know, Brenda, I'll address you because we don't have the listener name with this question. Most people in my position, if an investment has been discussed on the show, and then that investment didn't go as well as was hoped for, you know what? They never tell the audience about it. However, there's the Panama coffee farm investment. We first discussed that here way back in 2015 and we had a GRE field trip where I met a lot of you in person there in Panama. And as I often do when we discuss a particular investment here, I bought and still own Panama coffee farm parcels myself. That investment, it paid cash flow from the crop yields for a few years, and then it stopped. The good yields stopped due to covid disruption, and since then, there have also been erratic weather patterns like drought and precipitation of the wrong levels and at the wrong time of year, and there's been more of a prevalence of pests in disease like coffee leaf, rust and the operator. They have been communicative and forthcoming all the while they're still issuing the annual report that I read, and sometime after that, I think that a lot of investors were assured, because it sort of made national news, international news, that markets for both coffee and cacao have been suppressed, at least from the standpoint of there's not enough crop yield. I mean, that is a problem in a lot of places worldwide. Now I hope that turns around, and it very well may. In fact, we did something here that very few shows do. Back on episode 431, we had the Panama coffee farm CEO come back on the show to describe exactly what I just told you about there. And few shows are willing to do that. Some people just want you to think that every single investment that's discussed goes as well it was hoped for, or even better than expected. But that is not real world. You got to be authentic in real So, okay. Listener, comment, well, taken there. They appreciate that sort of follow up, and they would like more of that. All right, that's great. What's the next question? Brenda.   Brenda  19:40   Sure. So the next one comes to us from our audience over on YouTube. So in response to our real estate pays five ways in a slow market, YouTube video matrices wrote, There is no inflation profiting. You would have to be paying off the loan with an income that goes up with housing inflation. That's plausible if you are a wage earner, but if your source of income is rental properties, then there isn't a wage increase that reduces the effective loan amount. You are double dipping in the inflation profiting column by counting appreciation which you earn as a real estate investor and inflation profiting, which you earn only if your wages go up at the rate of housing inflation, and you use those wages to pay off the loan, which you don't   Keith Weinhold  20:33   Okay, again, somewhat of a statement here. I suppose there's a question implicit within that for matrices. I'm not sure how you say that name exactly. Wondering about inflation profiting. Are you counting it? Right? I don't know about that. The part about paying off the loan faster if you're a wage earner, I mean, that's plausible, but not if your income is from rental properties. I mean, see that's actually backwards, because your cash flow goes up faster than the rate of inflation due to your biggest payment, your principal and interest staying fixed, so your net rent income goes up even faster than the rate of inflation. So inflation profiting, therefore it's even better than how I've been presenting it and calculating it. Now with that understood matrices, here's one way for real estate investors to understand inflation profiting on your loan if you still have trouble getting with that. 30 years ago, in 1995 the US median home price was 130k with an 80% loan, your mortgage balance at origination would have been 104k and the monthly mortgage payment is 763 with the 8% market mortgage rate level that you would have gotten at that time. Now, even if we don't apply any principal pay down at all, your mortgage balance today is still just 104k and your payment is still just 736 bucks, and it is substantially easier to make that payment today, because your wages and salaries and rent incomes are multiples higher. When you originate a loan, the bank doesn't ask to be repaid in dollars or their equivalent. The loan documents only say dollars and dollars are worth less and less and less. So today, your median priced property is worth over 400k despite still having that tiny 104k loan balance. And of course, your tenant would have paid that down to zero, and we aren't even counting that part, I think, to really exaggerate the effect and help make the inflation profiting concept crystallize for you, matrices. If you go back 100 years, the median home cost was 11,600 bucks. An 80% loan would be just over 9k that you borrowed. Okay, so at a 7% interest rate, 30 year loan, the monthly payment would be 94 bucks, laughably small. That's less than the cost of a nice dinner out today. That's all you owe on a median priced property, which is over 400k today. So because it doesn't feel like you're tangibly walking away with anything when you sell a property, hopefully that helps make it real mitricas. And one last way to think about it is, let's just forget real estate for a moment. Would you loan your best friend 100k for 30 years interest free, even if we're somehow absolutely guaranteed that he would pay you back? Well, of course, he wouldn't do that, because inflation destroys the lender and benefits the borrower. So you would want to be the borrower in that case, because the borrower profits from inflation, profiting just like you're the borrower with income property. That's the position that you want to be in. But I'm glad we brought this up, because a lot of people have that question. That was a good one. Matrices, even though you seem to sort of be doubting if inflation profiting is a real thing with the way you approach the question, hey, I really appreciate it. Anyway, what's the next one? Brenda   Brenda  24:10   yep. So the next one we have is Mark. He wrote into our general inbox, and he says, I have been listening to your podcasts from the beginning, and I believe I have not missed a single show. Wow. Yeah, it would be hard to argue with your strategy of using debt to rapidly increase your returns and expand your rental real estate portfolio. This method is great for the accumulation phase of one's life. However, I believe that you have never addressed the next chapter of everyone's life, phase two. I am, of course, talking about preserving your wealth, which is phase two. Yeah, I only ask this because that is what stage of life I am in. For background, he has 15 rentals, seven mortgages. Age 62. Currently all managed by a property manager, and he is married and an empty nester. Please note, no matter how much money is made from rentals, he said, his wife's view is that it is work, and so she does not want any more homes or work. This would be a great idea for an upcoming show. Please consider thanks, Mark.   Keith Weinhold  25:20   Yeah. Great stuff, Mark. And before Brenda came on, we discussed which questions that she's going to choose. And I definitely wanted to have this one in there, because, I mean, this is one of the most important topics that's never been answered on the show, and it really needs to be answered today. The accumulation phase of Mark's life is done. He wants to know about how to approach the preservation stage. First of all, Mark, congratulations. You've listened to every GRE episode, 584, of them now, and you've clearly benefited from acting so good for you to be in this position. In fact, this show had its inception in 2014 and it doesn't even take these 1011, years to reach financial freedom, if you follow my plan. So you are there. All right, so, Mark, you've got 15 rentals, seven mortgages. You're age 62 they're currently managed by a property manager. You're married in an empty nester. I mean, you've made it, and you know that you've made it when you have enough income to support your desired lifestyle. That's what we're talking about here. Financially Free, beat step free and all of that, I'm going to speculate mark that if you had tried paying all cash for every property, you wouldn't have gotten very far. You wouldn't have made it to this point. You know why this question resonates so well with me, Mark, despite being quite a bit younger than you, I am at that stage as well. I definitely don't need to add more properties for the rest of my life. Now. I don't have kids yet either, so there's no clear air there. In fact, one reason that I hold on to my properties is to help educate our audience to be a real investor in the game and to be able to keep up with trends. You can just kind of tell when someone's not investing in real estate themselves. So if I talk it, I want to keep doing it now for you, Mark, it's not about rushing to pay off your seven mortgages, as you know from listening, that's usually not your best return on capital. If you've already made it, there is absolutely zero reason to add more properties, I would agree, especially if you know, in your wife's eyes, that creates a headache, and maybe yours as well, once you get to a certain point. So as far as this preservation stage, since you've moved away from the accumulation phase, the LLC is the favorite protection structure, not a C or an S Corp. And I have done shows on that with attorneys before. Since I'm not one of your 15 properties, if one or two are less profitable or for whatever reason, you just have difficulty getting those rented during vacancies, okay, you can sell those off if you don't want to do the 1031, exchange into more property, you can pay the tax. That's an option, but you will also have to pay depreciation recapture on those properties and mark. If there's one thing I wish I knew, it's that if you do have children or clear heirs, but the gold standard for passing along properties to heirs is a revocable living trust, and if you only remember one thing about that, a properly drafted living trust is the number one way to pass along rental properties smoothly. And why it's great is that it avoids probate. Probate is a court supervised process. It takes months or years of delay. So instead, with a revocable living trust, heirs get access to your properties almost immediately. Now you are age 62 hopefully this isn't happening anytime soon, but you do keep full control while you're alive, it's easy to update a revocable living trust, but the big one probably is that it prevents family disputes and it keeps everything private. That way there's no public probate record. And the bonus is, if you own properties in multiple states, a trust avoids multiple probates, that's huge. So those are some considerations. Mark as you've Congratulations again. Move from the accumulation phase to the preservation stage. It's a completely normal, natural process. You sure don't have to keep adding properties for ever and ever. Congrats. You made it. You did it.    Brenda  29:37   Great. We've got another one, Keith. This one is from Tim in Philomath, Oregon, and he says, I would be interested in the days ahead, if you would be able to help us understand why North Dakota is projected to grow so much.   Keith Weinhold  29:54   Okay, thanks, Tim in follow math, Oregon, another word I'm not sure how to pronounce. Now, yeah, you might think it's unusual that I would want to answer this question. For a low population state of under 1 million people, like North Dakota, from today to 2050 there's forecast to be 9% population growth nationally, but in North Dakota, it is 34% that is quite a surge, and that is per visual capitalist via the University of Virginia, but North Dakota's projected growth, it looks surprisingly strong on paper, especially for a cold, rural, low population state. But really, there are at least four major forces behind the fast 2025 to 2050, Outlook, and when you break them down, the growth actually makes sense. So I want to talk about this, because it's really a template for what makes for a growing place and a good future real estate market, no matter where it is. But in North Dakota, you've got this continued energy sector, strength, oil, gas and next generation energy. Part of what's driving the growth is something that's definitely not a new story. It is still the Bach and shale. It's still one of the top US oil fields. You got advances in drilling. That means more production with fewer rigs. That makes a sector more resilient. You've got global demand for liquid fuels projected to remain high through 2050 I know people like to talk about renewables, and there probably is a future there. But it's not like we're going to go all renewable right away. North Dakota is aggressively expanding carbon capture. So energy equals jobs. Jobs equals population retention and in migration, there's a national labor shortage in North Dakota. It's got this skilled worker hole. The US is going to face a major labor shortage through 2050 that's because of trends that you really can't change, like an aging population and low birth rates. That makes these high wage, high demand energy and engineering jobs stickier. North Dakota consistently leads in labor force participation, job availability, good starting wages for skilled trades, and they always seem to have a low unemployment rate, lower than the national average. So in other words, people move where the jobs are, even if it's cold. They really have one of the best economic outlooks in the country. There's a report called Rich states, poor states. In their latest one, they ranked North Dakota fifth nationwide in economic outlook, and that's above Texas and Florida and Tennessee, and that's because North Dakota has low taxes. They're business friendly, they're light on regulation. Businesses like that, their budgets are stable, and they've got strong public finances. So states with those fundamentals, they tend to grow pretty well over long horizons, and North Dakota has this demographic momentum. It's a younger state than all the surrounding states. They have a younger median age, high birth rates, so they've got this faster natural replacement rates, and they have really strong university systems, both und and North Dakota State, and what that does is that retains those graduates for jobs like energy and engineering and agriculture. So North Dakota benefits from this high stay rate, like a lot of people move for jobs, and they end up staying there, and their population growth seems fast, but the overall population small, so a net gain of 150,000 people, that really seems huge in percentage terms. It's steady rather than explosive growth. We're talking about annual gain. So really, a takeaway for investors is that North Dakota's growth is not a fluke. It's from strong economic policy, a big, durable energy engine, high earning jobs. You got this favorable business climate, and really unexpectedly young demographics. I read that the counties that will grow fastest are Cass Williams and stark and, you know, Brenda. If we learn about a reputable North Dakota property provider, maybe we'll talk about them here on the show. So if you the listener or anyone else know about one, write into us at get rich education, comm slash contact, and we'll check them out. And also, more broadly, if you want your listener question answered in the future, that's where to write to us as well, again, at get rich education.com/contact, thank thanks for the North Dakota question, Tim and Brenda, it's nice to have you here to ask the questions in a different voice.   Brenda  34:29   Thanks, Keith. Yeah, it's good to be on this side of the show instead of   Keith Weinhold  34:34   a listener. After all these years, there's one episode I'm sure you'll be listening to, and it's this one that you're on today.   Keith Weinhold  34:48   Yeah, much of our team here were GRE listeners before they ever worked here. We just made another hire two months ago. That woman worked for a payment processor. I said at the time, that sounds really boring. It definitely sounds more interesting to work at the GRE podcast. To review what you learned today, capital compounds labor doesn't though I promote being a giver, there are downsides to giving, but they're manageable. Inflation, profiting is the most often misunderstood of the five ways, and you will reach a tipping point where you've won in which you no longer have to add properties. That is transitioning from the accumulation phase to the preservation phase. That is one of the more important unaddressed things on the show until today, and finally, North Dakota's booming growth projections coming up soon on the show, I'll reveal GRE national home price appreciation forecast for next year, where you will learn the exact percent appreciation or decline expected in the future. Until then, check us out at get richeducation.com I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  36:00   You nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC, exclusively.   Keith Weinhold  36:32   The preceding program was brought to you by your home for wealth building, GetRichEducation.com  

This episodes diverges from our traditional fare. I've reviewed the 49 previous editions and picked (IMHO) the coolest code, best prose & my favorite podcast episode from each month!

Here are the two main points of Greg's meditation on the purpose of the incarnation from Philippians 2: The intentional unity of the church (v 1-4) The intentional incarnation of the Messiah (v 5-11) You can watch this message here.

This episodes diverges from our traditional fare. I've reviewed the 49 previous editions and picked (IMHO) the coolest code, best prose & my favorite podcast episode from each month!

It's the most wonderful time of the year. Yes, yes, it's the holiday season and we're just days away from Christmas. But it's also the global adspend report season. Business leaders are getting a holistic look at how the total ad market performed in the UK and around the world, and also what to expect for next year.WPP Media's This Year Next Year report released on 8 December, and it has become something of an annual tradition to host its author and global president of business intelligence, Kate Scott-Dawkins, on this show before the end of the year.She returns once again to unpack this latest report, which forecast global ad revenue to grow 8.8% year on year to $1.14tn in 2025, despite persistent macroeconomic headwinds. Next year, WPP Media is predicting further 7.1% global growth, the majority of which is being captured by a handful of tech platforms.Scott-Dawkins offers her view on the state of the global economy, downside risks for marketers, and whether AI is likely to drive growth next year.This is the final episode of the podcast we at The Media Leader are releasing this year. Thank you to our wonderful guests and to all you listeners out there for tuning in. We'll be taking a few weeks off the holidays but will be back up and running in the New Year.Highlights:1:50: Toplines: an optimistic forecast driven by platform growth6:12: Expect more consolidation9:33: Downside risks: tariffs, uncertain consumer spending, K-shaped recovery14:52: Advertising is leading the global economy17:56: Could the commerce market be upended by AI?20:20: Why the UK ad market is still "pretty healthy"22:33: Things to look out for in 2026: AI search, an upper-funnel correctionRelated articles:WPP Media forecasts 8.8% global ad revenue growth in 2025 but warns of ‘K-shaped economy' risk‘Agencies may get squeezed everywhere': US tariffs cause ad industry angstUncertainty and soft guidance as holding groups struggle for growth in Europe---Thanks to our production partners Trisonic for editing this episode.--> Discover how Trisonic can elevate your brand and expand your business by connecting with your ideal audienceVisit The Media Leader for the most authoritative news analysis and comment on what's happening in commercial media. LinkedIn: The Media LeaderYouTube: The Media Leader

Message By: Bernie Bennett

Message By: Bernie Bennett

What if the most powerful leadership lessons start long before your first title? We sit down with Sumi Shukla, VP of Global Marketing at Riverbed, to explore how immigrant roots, blended cultures, and early responsibility shape a career built on resilience, fairness, and authenticity. Sumi's story moves from a childhood balancing identity in a predominantly white town to leading global teams across field marketing, ABM, partners, and digital. Along the way, she learned to trade control for trust, to define outcomes clearly, and to give people the space to deliver in their own way.We get into the big tension leaders face: courage versus perfection. Sumi argues that fearless presence beats “flawless” execution when it carries substance—evidence, iteration, and accountability. She shares concrete examples from marketing, including how her team launched ambitious account‑based marketing programmes, read the data honestly, then made the tough call to scale back and reinvest where results were strongest. You'll hear how to normalise experimentation without recklessness, drop sunk costs without leaving gaps, and build a culture where learning is a habit, not a post‑mortem.Mentors and representation play a central role here. Sumi highlights the impact of formidable female leaders early in her career and the insights from her Global Voices of Leadership: Women Who Inspire series—stories of resilience, unconventional paths, and sponsors who opened doors. Together we map a practical leadership playbook: be clear on the outcome, be consistent and fair, lead from the front or the back as needed, and stay humble because you might be wrong. We close with a simple, moving question about legacy - what remains when titles fade - and why the answer should guide how we show up at work and at home.If this conversation resonates, follow the show, share it with a colleague who's growing a team, and leave a quick review to help others find these leadership stories. Your feedback shapes what we explore next.Don't miss the "Virtually Anything Goes" question at the end, where Lev faces Sumi's unscripted question for the first time!Subscribe for more inspiring leadership conversations and share this episode with someone who needs to hear this message today.Sumi Shukla is the VP of Global Marketing, at Riverbed Technology, where she leads all field marketing teams, ABM, Partner and Alliances, and Digital marketing. Sumi has 25 years of experience working in Tech Marketing, having spent over 10 years working at Cisco and having now been with Riverbed Technology since 2016. If that wasn't enough, Sumi is also a strong advocate for Women in Tech and has established the “Women at Riverbed EMEA” initiative.Connect with Sumi Shukla on Linkedin: https://www.linkedin.com/in/sumi-shukla/Lev Cribb is the Founder and Managing Director of Made To See, a UK-based Video and Livestreaming Agency, specialising in the strategic and tactical use of video across B2B organisations. Lev is also the host of the Virtually Anything Goes podcast.Connect with Lev Cribb on Linkedin: https://www.linkedin.com/in/levcribb/For more information, content, and podcast episodes go to https://www.madetosee.com or our YouTube channel  @madetoseemedia ​

Ever wondered how one man could shape an entire nation's destiny? In this episode of Join Us in France, host Annie Sargent and guest Elyse Rivin of Toulouse Guided Walks dive into the extraordinary life of Charles de Gaulle—the towering general who refused to let France fall. From his early days in Lille to his fiery WWII radio broadcasts from London, de Gaulle was a man of unshakable will. He survived being a POW, clashed with Churchill and Roosevelt, and led the Free French Forces to victory. But his story doesn't end there. As France's president, he created the Fifth Republic, pulled France out of NATO's military command, and left a legacy that still defines the country today. Listen to this episode ad-free Annie and Elyse break down the myths and the man. Was he a hero? A stubborn idealist? A political genius? You'll hear about his Catholic upbringing, his love for his wife Yvonne, and the heartbreak of losing their daughter, Anne. You'll also learn why his famous line—"The end of hope is the beginning of death"—captures his relentless spirit. And if you've ever wondered what it was like for French families during WWII, Annie shares her own family's story as Pieds-Noirs in Algeria, where de Gaulle's decisions changed everything. Why listen? Because de Gaulle's story is France's story. It's about resilience, leadership, and the power of believing in something bigger than yourself. Whether you're a history buff, a Francophile, or just love a good underdog tale, this episode delivers. Ready to explore more? Subscribe to Join Us in France for weekly deep dives into French culture, history, and travel. From hidden villages to iconic landmarks, Annie and her guests bring France to life in a way no guidebook can. Hit subscribe on your favorite podcast app, and let's discover France—together. Table of Contents for this Episode [00:00:16] Introduction [00:00:31] Today on the podcast [00:01:04] Podcast supporters [00:01:39] Magazine segment [00:02:24] Charles de Gaulle with Elyse [00:03:03] Early Life and Family Background [00:05:05] Military Aspirations and World War I [00:11:28] Rise to Prominence and World War II [00:21:58] Divisions of Tanks [00:33:07] Post-War Leadership and Political Career [00:46:16] Legacy and Conclusion [00:53:47] Thank You Patrons [00:54:46]  New Year's festivities in Paris [00:57:37] Next week on the podcast [00:58:00] Copyright More episodes about French history

Do you feel like something is missing in your life? If so, what do you think is causing this sense of emptiness? If you ran to Jesus with this need, what would He tell you to do? Are you willing to let go of whatever He says to relinquish? Is there anything that is causing you to resist following Christ fully? What kinds of things tend to own you rather than you owning them?     

This week on The Temple of Surf Podcast, we sit down with legendary surfboard shaper Joe Blair, a true craftsman whose influence on modern surfboard design runs deep through decades of wave riding, innovation, and hands-on shaping. Known for his commitment to functionality, flow, and timeless outlines, Joe Blair represents a generation of shapers who learned their craft in dusty bays, under fluorescent lights, driven purely by feel, intuition, and an obsession with waves. In this episode, Joe Blair takes us back to the roots of his shaping journey, how he first fell in love with surfing, the boards that inspired him, and the mentors and surf cultures that shaped his approach. We talk about the evolution of surfboard design, from classic single fins and early shortboards to the refined performance shapes of today, and how Joe has managed to stay relevant without ever chasing trends. A central theme of this conversation is craftsmanship versus mass production. Joe shares his perspective on what it means to hand-shape boards in an era dominated by CNC machines, pop-out surfboards, and fast-turnaround factories. He explains why subtle details, rail volume, rocker curves, foil distribution, still matter, and how a board built with intention can dramatically change the way a surfer connects with a wave. Joe Blair also opens up about shaping boards for real surfers, not marketing concepts. We discuss how listening to surfers, watching them surf, and understanding their local waves is just as important as any technical measurement. From beach breaks to point waves, from everyday surfers to seasoned chargers, Joe explains how he adapts his designs to suit different styles, conditions, and personalities. Beyond shaping, this episode dives into surf culture itself: the shift in values, the impact of social media, and how younger generations are rediscovering the beauty of simplicity and craftsmanship. Joe reflects on the responsibility of shapers to pass down knowledge, protect surf heritage, and keep the soul of surfing alive in a rapidly changing industry. This is a deep, thoughtful, and inspiring conversation, perfect for surfers, shapers, collectors, and anyone fascinated by the art and history of surfboard design. Whether you ride a Joe Blair board or simply appreciate the culture behind surfing, this episode offers rare insight into the mind of a master craftsman who has dedicated his life to waves.

Title: a future shaped people – sheep & goats Preachers: Andy Mills Passage: Matthew 25:31-46

From Apple News In Conversation: Health and Human Services Secretary Robert F. Kennedy Jr. is one of the most influential — and controversial — figures in American public health. And some of the changes he’s pushing, especially around vaccines, have drawn sharp criticism and resistance from many scientific experts. In a recent Atlantic profile, staff writer Michael Scherer examined how Kennedy’s background, including immense privilege and trauma, has shaped the perspective he now brings to his role at HHS. Scherer interviewed and traveled with Kennedy to report his piece. He sat down with Apple News In Conversation host Shumita Basu to discuss Kennedy’s worldview and what it could mean for federal public-health policy.

“Gratitude is contagious. It's something that becomes more powerful as you express it. It reminds me of how fortunate I've been — and through that privilege I feel I owe to do what I can for others.”John Pepper, P&G's former Chairman and CEO, needs no introduction. John has played many roles in business, community, service, and the lives of countless people. He returns to our podcast to discuss his new book, "100 Books That Shaped My Life: Reflections on a Lifetime of Reading, " which might just be the perfect gift this holiday season, for yourself or for anyone in your life who loves a good read."100 Books That Shaped My Life" is no mere book list — it is a life story told through the books that walked alongside John: as a husband, father, leader, citizen, and as someone thinking deeply about what matters most in the time we're given. These are the books that shaped John's understanding of history, democracy, gratitude, and hope — especially in the most recent chapters of his life.Moving from Values, to Biographies, Philosophy, U.S. and Global History, Memoirs, Novels, and Personal Essays, 100 Books That Shaped My Life mirrors something true about John himself: a leader shaped not by one discipline, but by a lifelong curiosity across every discipline. In our conversation, John reflects on how a lifetime of reading helped him better live a lifetime — deepening his understanding of friendship, love, loss, courage, service, and the quiet beauty of everyday life.John's literary influences range from novelists like John Steinbeck, Oliver Sacks, Wallace Stegner, Marilynne Robinson, George Orwell, and Tolstoy, to memoirists such as Frederick Douglass, Katharine Graham, James Reston, and Michelle Obama, to historians and biographers including David Blight, Jon Meacham, Doris Kearns Goodwin, Jill Lepore, and so many others. Woven through all of it is a deeply human narrative — his love for his late wife, Francie; his reflections on aging, family, and purpose; the leaders who shaped him; the lessons hard-won; and the quiet moments that stayed with him.As Bob Iger put it, “Whether you're an executive or simply someone who loves reading and learning, you will find great value and wisdom in this book.” And we couldn't agree more. For anyone who enjoys learning from lived experience, this conversation — and this book — make a wonderful companion. It might even inspire you to reflect on everything you've read and learned along the way. Be sure to check out John Pepper's "100 Books That Shaped My Life" wherever you get your favorite books.bookshop.org/p/books/100-books-that-shaped-my-life-reflections-on-a-lifetime-of-reading/23a8c953e3dfd1e5amazon.com/gp/product/B0FXQPHQPK

In his 20th year in the music business, the rapper Shad has shown no signs of slowing down. The Juno-winning musician has also had an illustrious career as a broadcaster, hosting hit shows like the documentary series Hip-Hop Evolution on Netflix. His latest album is called Start Anew, and he joins the show to go back and talk about how he first discovered the power of words and shares some of the books that have shaped his life.Books discussed on this week's show include:Black Noise by Tricia RoseJuly, July by Tim O'BrienA Confession and Other Religious Writings by Leo TolstoyCrime and Punishment by Fyodor Dostoevsky

1 Corinthians 6:19

Ambassador Karpetova links the Czech Republic to Luxembourg through the life of the beloved Charles IV Ambassador Barbara Karpetová, the Czech Republic Ambassador to Luxembourg, is a Doctor of Social Anthropology. As such, she is fascinated by the way in which our world is shaped by humans and their choices or actions. Charles IV, a man so omnipresent in the lives of Czech people still today, is a man worth the study of a social anthropologist, as his life is far from ordinary. And indeed, his father was from Luxembourg.  Few historical figures embody Europe's interconnected identity as vividly as Emperor Charles IV. Born in 1316 to a Luxembourgish father and a Czech mother, Charles would become one of the most enlightened rulers of the Middle Ages: the greatest Czech of all time according to so many Czech polls, and arguably the most influential Luxembourger in European history. Yet many in Luxembourg remain unaware that this remarkable visionary, whose reign transformed Central Europe, was one of their own. Charles IV's early life was shaped by trauma and displacement. Taken from his mother at the age of three amid political turmoil, he spent his formative years at the French court, where he absorbed languages, diplomacy, and intellectual rigour. His father, John the Blind of Luxembourg, a charismatic but restless knight-king, embodied glory and instability in equal measure. His mother, Elizabeth of Bohemia, offered emotional depth, cultural identity, and spiritual grounding, although her own tragic life imprinted upon him a lifelong empathy and introspection. These tensions forged a ruler who sought stability, reflection, and humane governance rather than the cycle of destruction so common in his era. Unlike many medieval monarchs who fashioned their legacy through conquest, Charles IV built his through construction and culture. In Prague, he imagined and executed a city worthy of an imperial capital: Charles Bridge, St Vitus Cathedral, the New Town of Prague, and the glittering fortress of Karlštejn, his sanctuary for meditation and prayer. These were not monuments of vanity but investments in civic life, education, and international exchange. Above all, his founding of Charles University in 1348, the first in Central Europe, signalled a radical belief: that a prosperous society begins with knowledge, openness, and shared intellectual endeavour. Charles IV was also a political architect. His Golden Bull of 1356 established clear rules for imperial elections and gave the Holy Roman Empire centuries of stability. This was an achievement so visionary that historians still marvel at its durability today. His reign was defined by diplomacy, multilingual engagement, and the kind of pragmatic cooperation that Luxembourg cherishes today. A fluent speaker of five languages, he travelled extensively, preferring personal dialogue over emissaries. His political style, rooted in listening and persuasion rather than coercion, made him a quietly transformative figure in a turbulent century. Though he carried Luxembourgish blood and Czech devotion in equal measure, Charles IV saw Europe as a unified web long before the concept existed. He moved between courts, cultures, and identities with the ease of a modern European statesman. His values of multilingualism, education, peaceful leadership, and cultural openness mirror those of Luxembourg today, a nation where diversity is not a challenge but a strength. In many ways, Charles IV was Europe before Europe: a bridge between peoples whose life story reminds us that one person, or small countries, can shape the continent in profound ways. This Advent season, his legacy carries a particularly resonant message. In an age of fast decisions and constant noise, Charles IV was a ruler who stopped, reflected, prayed, and reshaped his world with intention. He believed deeply in service, in building rather than breaking, and in leading through wisdom rather than force. His life encourages us to pause, to examine our direction, and to choose the kind of leadership—personal or political—that uplifts rather than divides. For Luxembourg and the Czech Republic, Charles IV is not just shared history; he is shared inspiration. A child of two nations, a builder of cities, a scholar-king, a European long before the invention of the term. He is a reminder that greatness can arise from unlikely circumstances, and that values rooted in openness, stability, and compassion endure across centuries. And in the heart of Prague, where his bridges cross the Vltava and his university still thrives, Charles IV continues to welcome the world, just as he did in life.

China's Intellectual Property Theft and the K-Shaped Economy: Colleague Chris Riegel discusses "The Great Heist," a book detailing China's campaign to steal American intellectual property via spies and students, also noting a US consumer slowdown and describing a "K-shaped" economy where lower-income earners struggle with affordability despite infrastructure spending. 1955

Visit us at shapedbydog.com   When a new puppy arrives, the change in routine can create big feelings for an adult dog who has been part of every training session. Behaviors that look surprising are often signs of stress rather than spite or defiance. When we stay curious, it becomes easier to notice what our dogs may be trying to communicate. I'm sharing simple ways to support your adult dog so they can feel calm and confident while you focus on training your new puppy.   In this episode, you'll hear:   • Why dogs are not capable of spite the way we imagine. • Two questions to ask ourselves that shift how we understand behavior. • My student's story about an adult dog's unexpected behavior. • The cognitive bias behind assuming dogs are 'spiteful.' • Why curiosity strengthens connection and removes blame. • How stress changes physiology, with 2 personal real life examples. • The importance of ruling out medical conditions before assuming behavior issues. • Other stressors that can affect behavior. • How to support your adult dog during the puppy transition using the 3 E's (Exercise, Engagement, Enrichment). • A step-by-step plan to create calm and confidence for your older dog while your puppy is being trained. • How to use Hot Zones, Crate Games, and relaxation strategies to prevent stress in your adult dog. • The power of choosing curiosity to understand what your dog is communicating.   Get Crate Games Online: Crate Games Online - https://get.crategames.com/   Resources:   1. Podcast Episode 189: All The Things That Influence Your Dog's Behavior And What Behavior Tells You - https://dogsthat.com/podcast/189/ 2. Podcast Episode 154: Car Vacations With Dogs: Tips To Make Holiday Road Trips Safe And Fun For All - https://dogsthat.com/podcast/154/ 3. Podcast Episode 128: Reduce Stress For Dogs During Holiday Celebrations - https://dogsthat.com/podcast/128/ 4. Podcast Episode 72: Preventing Dog Aggression: Introducing Dogs or Puppies with Project Togetherness - https://dogsthat.com/podcast/72/ 5. Podcast Episode 181: Training Multiple Dogs To Wait Turns And Relax - https://dogsthat.com/podcast/181/ 6. Podcast Episode 266: Hot Zone And Stays – How One Dog Training Nuance Can Fix Anxiety And Duration - https://dogsthat.com/podcast/266/ 7. Podcast Episode 191: Get Your Dog To Calm Down With This Common Sense Protocol For Relaxation - https://dogsthat.com/podcast/191/ 8. Podcast Episode 314: Dog Enrichment Secrets Part 1: Using Your Dog's Natural Instincts To Build Variety And Engagement - https://dogsthat.com/podcast/314/ 9. Podcast Episode 315: Dog Enrichment Secrets Part 2: 30 Day Enrichment Challenge + Free Planner PDF - https://dogsthat.com/podcast/315/ 10. *West Paw Zogoflex Toppl Treat Dispensing Dog Toy Puzzle - https://geni.us/toppl 11. Podcast Episode 317: 20 Exercises That Help Your Dog Live Longer: Start Today! - https://dogsthat.com/podcast/317/ 12. Podcast Episode 20: Bridging the Gap Between Blame and Kindness in Dog Training - https://dogsthat.com/podcast/20/ 13. Watch this Episode of Shaped by Dog on YouTube - https://youtu.be/1mTcpGgSB4Y   *Amazon Links Disclosure: As an Amazon Associate, I earn from qualifying purchases.   Susan only recommends products she uses herself, and all opinions expressed here are her own. The link above is an affiliate link that, at no additional cost to you, we may earn a small commission if you decide to buy from it. Thank you!

The jobs market is seeing contraction in the ADP and jobless claims numbers, and Chris Maxey makes the case that it adds to the labor weakness picture. Consumer health remains intact through metrics like retail sales but home price increases add pressure in a "K-shaped" economy. Chris points to lower interest rates as something that will help Americans moving forward. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

On the launch of the latest publication in the UN Historical Series, published by the UN Library & Archives Geneva, this episode of The Next Page explores the history of intellectual cooperation around the League of Nations, tracing the creation of the International Committee in Geneva and the Paris-based International Institute for Intellectual Cooperation. Guest speakers Dr. Martin Grandjean, University of Lausanne, and Professor Daniel Laqua, University of Northumbria, discuss the Institute's ambitions, institutional rivalries with Geneva, questions on elitism, inclusivity and the nature of the project, and examples of initiatives—from textbook debates and student exchanges to heritage and scientific cooperation—that helped shape cultural diplomacy and paved the way for later multilateral efforts like UNESCO. Resources. Ask an Archivist!  Ask a Librarian! Grandjean, M. and Laqua D. (eds). Intellectual Cooperation at the League of Nations: Shaping Cultural and Political Relations. UN Historical Series. Where to listen to this episode  Apple podcasts:  https://podcasts.apple.com/us/podcast/the-next-page/id1469021154 Spotify: https://open.spotify.com/show/10fp8ROoVdve0el88KyFLy YouTube: https://youtu.be/554QVVqJaew Content    Guests: Dr. Martin Grandjean (University of Lausanne) and Professor Daniel Laqua (University of Northumbria) Host, production and editing: Amy Smith, UN Library & Archives Geneva Recorded & produced at the United Nations Library & Archives Geneva 

Send us a textThis week on the podcast, I sit down with Dexy and Chris to discuss their latest release, their musical journey and more. ****Dark dreampop duo Magic Wands will release a new album entitled Cascades via Metropolis Records. It includes their current single, "Time To Dream,"as well as the previously issued "Hide," "Armour," "Moonshadow," and "Across The Water." “Cascades was born from a fascination with how the past lingers inside us and explores transformation and the spaces where timelines blur into one,” the band explains. Shaped by the spirit of centuries-old poetry, gothic romance, and myth, the album pulses with post-punk and dream-pop sounds, shot through with lingering shadows of the old world, bridging the sound of their 2012 debut album Aloha Moon with more recent releases. Formed in 2008 in Nashville by vocalists/guitarists Dexy and Chris Valentine but now based in Los Angeles, Magic Wands are known for a shimmering, dreamy sound that melds elements of shoegaze, dreampop, postpunk, and goth. Their music utilzes heavily-textured guitars, synth drones, and ethereal vocals to conjure an otherworldly atmosphere, plus song lyrics that are emotionally engaging.  The duo has built a loyal fanbase over the course of five studio albums to date, the most recent of which was Switch (2023). Songs from it were subsequently remixed by guest artists and released as Switched later that same year.Magic Wands is a partnership built on alchemy of dark dreampop, goth-tinged postpunk, and a touch of cosmic romance.    Shaped by the duo's signature cinematic atmosphere and celestial hooks, they hint at an album that explores transformation, reflection, and the pull of distant horizons.   Magic Wands make music like portals, each record a doorway into a different century, a different sky. Over a decade since Aloha Moon, their magic is only growing stronger.*****If you would like to contact the show about being a guest, please email us at Dauna@bettertopodcast.comFollow us on Social MediaInstagram: https://www.instagram.com/author_d.m.needom/Facebook: https://www.facebook.com/bettertopodcastwithdmneedomIntro and Outro music compliments of Fast Suzi©2025 Better To...Podcast with D. M. NeedomSupport the show

Health and Human Services Secretary Robert F. Kennedy Jr. is one of the most influential — and controversial — figures in American public health. And some of the changes he’s pushing, especially around vaccines, have drawn sharp criticism and resistance from many scientific experts. In a recent Atlantic profile, staff writer Michael Scherer examined how Kennedy’s background, including immense privilege and trauma, has shaped the perspective he now brings to his role at HHS. Scherer interviewed and traveled with Kennedy to report his piece. He sat down with Apple News In Conversation host Shumita Basu to discuss Kennedy’s worldview and what it could mean for federal public-health policy.

In this inspiring episode of Talking Wit Kevin & Son, we bring you “The People You Should Know.”Kevin sits down with Mr. Lamar Webster — a talented bass player, professional photographer, and former bandleader of the R&B group Record Player (1976–1983).From the streets of Dayton, Ohio to the vibrant R&B scene that influenced Solar Records, Lamar takes us behind the music — sharing how Ohio musicians shaped a sound that still moves generations. This conversation connects history, creativity, and the powerful legacy of artists who paved the way.

From nuclear fission to GPS to the internet, it's common knowledge that many of the most resource intensive technologies of the last century got their start as military R&D projects in government-funded labs. But as Avery Trufelman explains in her fashion history podcast, Articles of Interest, the influence of the US military is, in many ways, even more intimate than that, shaping much of the clothing we all wear everyday. On today's show, a tale of Army surplus economics. How military designs trickled down from the soldiers on the front lines to the hippies on the war protest line to the yuppies in line at Banana Republic. And why some of your favorite outdoor brands may just be moonlighting as U.S. military suppliers, while keeping it as under the radar as they can.Pre-order the Planet Money book and get a free gift. / Subscribe to Planet Money+Listen free: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Facebook / Instagram / TikTok / Our weekly Newsletter.This episode of Planet Money was produced by Luis Gallo, edited by Jess Jiang, fact checked by Yasmine Alsayyad, and engineered by Robert Rodriguez. Alex Goldmark is Planet Money's executive producer.Articles of Interest is produced by Avery Trufelman, edited by Alison Beringer, fact checked by Yasmine Alsayyad, and engineered by Jocelyn Gonzalez.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

This is a Grave Talks CLASSIC EPISODE! Some experiences arrive too early to understand — but never early enough to forget. At just twelve years old, Gwendolyn Guthrie began encountering vivid prophetic dreams, shadowy figures, and moments of inexplicable knowing that pushed her into a world most people spend their lives avoiding. What began as fear slowly evolved into fascination, curiosity, and ultimately a calling. Gwendolyn reflects on the formative experiences that opened her awareness to the paranormal and set her on a twenty-year path of studying hauntings, folklore, cryptids, and encounters that defy easy explanation. Through her research and personal accounts, we explore the thin boundary between intuition and the unknown — and the questions that continue to pull her deeper into the mysteries that live just outside ordinary reality. Some people witness the strange. Others chase it. For Gwendolyn, it all began with a single night she never fully escaped. This is Part Two of our conversation.  #TheGraveTalks #ShadowFigures #ParanormalJourney #PropheticDreams #ChildhoodEncounters #SupernaturalResearch #CryptidStories #FolkloreTraditions #UnexplainedMysteries #ParanormalPodcast  Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

This is a Grave Talks CLASSIC EPISODE! Some experiences arrive too early to understand — but never early enough to forget. At just twelve years old, Gwendolyn Guthrie began encountering vivid prophetic dreams, shadowy figures, and moments of inexplicable knowing that pushed her into a world most people spend their lives avoiding. What began as fear slowly evolved into fascination, curiosity, and ultimately a calling. Gwendolyn reflects on the formative experiences that opened her awareness to the paranormal and set her on a twenty-year path of studying hauntings, folklore, cryptids, and encounters that defy easy explanation. Through her research and personal accounts, we explore the thin boundary between intuition and the unknown — and the questions that continue to pull her deeper into the mysteries that live just outside ordinary reality. Some people witness the strange. Others chase it. For Gwendolyn, it all began with a single night she never fully escaped. #TheGraveTalks #ShadowFigures #ParanormalJourney #PropheticDreams #ChildhoodEncounters #SupernaturalResearch #CryptidStories #FolkloreTraditions #UnexplainedMysteries #ParanormalPodcast  Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Visit us at shapedbydog.com   A lick mat can feel like magic when it brings instant peace to a whiny or restless puppy, but sometimes that calm comes after a buildup we don't even notice. I'm taking a closer look at what drives that rising anticipation and how small, thoughtful changes can shift the pattern toward calm, confidence, and comfort. With a bit of intention, lick mats can become tools that support your puppy's emotional well-being rather than fuel anxious routines or unwanted behaviors.   In this episode, you'll hear:   • Why puppies start whining, circling, pawing, bouncing, or barking before you deliver a lick mat. • The "thing before the thing" and how anticipation becomes reinforcement. • What to do first when your puppy is anxious, whiny, or restless. • The different stages of using a lick mat to support wanted behavior. • How to prepare lick mats without triggering excitement. • How to create a new trigger so calm behavior predicts the lick mat. • Ways to use lick mats for fear, visitors at the door, and environmental distractions. • Why lick mats should not be a lifelong crutch and how to use them with intention.   Resources:   1. Podcast Episode 16: The Thing Before Your Dog's Thing - https://dogsthat.com/podcast/16/ 2. Podcast Episode 314: Dog Enrichment Secrets Part 1: Using Your Dog's Natural Instincts To Build Variety And Engagement - https://dogsthat.com/podcast/314/ 3. Podcast Episode 315: Dog Enrichment Secrets Part 2: 30 Day Enrichment Challenge + Free Planner PDF - https://dogsthat.com/podcast/315/ 4. Watch this Episode of Shaped by Dog on YouTube - https://youtu.be/U5zFK_WkHpY

Marriage isn't about two perfect people—it's about two Spirit-filled people following God's design. (Ephesians 5:22-33)

Send us a textIn this episode of The Corie Sheppard Podcast, we sit with Ken Corbie — musician, educator, and one of Trinidad & Tobago's most respected cultural voices. Ken takes us through his remarkable journey in music, the mentors who shaped him, and the lessons learned from a lifetime of service to culture and community.From his early years discovering his love for music, to the people who guided his path, to the relationships and experiences that shaped who he became, Ken shares stories filled with wisdom, humour, and heart. We explore themes of discipline, gratitude, faith, legacy, and the responsibility of carrying forward the values taught by those who came before us.This conversation is a masterclass in humility and purpose. Whether you're a lover of music, culture, personal development, or great storytelling, this episode offers inspiration from one of the most grounded and genuine voices in Trinidad & Tobago.Topics We DiscussKen's early musical upbringing and first encounters with the artformThe people who mentored, influenced, and supported his growthLessons learned from a lifetime in music and educationStories of discipline, responsibility, and navigating crossroadsHow faith and family shaped his outlookThe cultural values he believes Trinidad & Tobago must protectWhat legacy means — and how to build it with intentionHashtags#coriesheppardpodcast #KenCorbie #TrinidadAndTobago #Culture #MusicEducation #CaribbeanStories #SteelpanCulture #LegacyBuilding #TTMusicAmazon Link:https://www.amazon.com/Everyday-Leadership-Lessons-Unexpected-Teachers/dp/1969564016/ref=sr_1_1?crid=3SCKOJA6F7R88&dib=eyJ2IjoiMSJ9.r7r8QRpT491kjYHMkE4LdA.LSrz9e_99qx7PQK-YAxGOCgzXtNvNGXKrLDYcYH3enc&dib_tag=se&keywords=kenneth+corbie&qid=1765399332&sprefix=kenneth+corbie%2Caps%2C131&sr=8-1

Many papers in economics have shown the scale of the damage that slavery did to Africa, but can we also make the argument that the slave trade helped cause Europe's economic development? Ellora Derenoncourt of Princeton is the author of a recently published paper which uses new methods and new data to investigate this question.  She talks to Tim Phillips about what historical records can and cannot tell us about that link, and what this data tells us about the growth of European port cities.

A tornado on Lake Nipissing. Fifty anglers. Cameras sprinting through bush while boats pound eight‑footers—and a single log that quietly holds the winning bag. We pull back the curtain on The Last Call, the 2004 reality fishing series that pushed us to the edge and then reshaped our lives. From chaotic GPS races to head‑to‑head heats, you'll hear how split‑second choices, sketchy weather, and unclear rules forged the kind of lessons you can't learn from a highlight reel.What surprised us most wasn't just the production scale. It was the people. Roland Martin maps wind and structure like a cartographer, Hank Parker brings championship calm, Jimmy Houston turns pranks into legends, and David Fritz feeds the crew with moon pies after 60‑ounce steaks. Those moments—equal parts grit and grace—opened doors to a decades‑long career in the fishing industry at Lund, Berkley, and Rapala, and they taught us why a lost card can still be a winning hand.We also dive into photography that actually works for anglers. Yes, phones can beat pro gear when the shot is right. Think face, light, background. Clean the lens, angle into the sun, frame out clutter, and set 4K 30 if video might make TV. We share the stories behind magazine covers, a 100‑foot trailer wrap, and a day on the water where a young hammer sticks a six after five minutes because passion doesn't care about age or titles.If you love fishing stories with real stakes, practical tips you can use this weekend, and a heartfelt look at how mentors and mistakes shape a life outdoors, this one's for you. Hit follow, share it with a fishing buddy, and leave a quick review so more anglers can find the show.

Carl Quintanilla, Sara Eisen, and David Faber kicked off the hour with fresh jobs data just crossing - before getting into a growing number of comments around the high/low-income consumer. Bespoke's Paul Hickey pointing out some bullish historical trends into year-end, while Goldman's Head of Corporate Credit gave his predictions for rates as another FOMC meeting kicks off today. Plus: a volatile morning for Nvidia as the White House greenlights the sale of some chips to China... what you should know, what it means for shares, and key analysis from one sell-side analyst who calls the stock a buy here.  Also in focus: closing the wealth gap with a new tax... NY Congressman Dan Goldman joined Post 9 with more on his new bill to tax the ultrawealthy, while the team also took a look at Elon Musk's growing wealth tied to SpaceX - and why it could be a bad thing for Tesla shareholders.Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What the K-Shaped Economy Means for Your Queer Money & RetirementThis episode is brought to you by the letter K — Kiki, killer… and K-shaped economy.If it feels like some people are living in Taylor Swift box seats while you're doing math at Dollar Tree, you're not imagining it. That's the K-shaped economy in action: one line shooting straight up for the wealthy, while everyone else — including millions of LGBTQ+ folks — slides down the bottom leg.On Queer Money® episode 619, we break down what the K-shaped economy is, where it came from, how it shows up in your everyday life, and, most importantly, what you can actually do about it. From grocery bills and wage stagnation to stacked vulnerability and early retirement abroad, we connect the dots so you can respond with strategy, not panic.This isn't just “the economy.”It's your retirement, your stability, your next money move.TAKEAWAYSThe K-shaped economy describes two economies at once:one group's income, confidence, and wealth going up, while everyone else slides down.Pandemic recovery supercharged inequality: asset owners, high earners, and remote workers jumped ahead while service and frontline workers fell behind.High-income households now drive a disproportionate share of spending growth, especially on travel and luxury, while lower-income households are trading down, couponing, juggling bills, and using more credit.Groceries and essentials are taking up a bigger percent of low- and middle-income budgets, even when they're not buying dramatically more.Wage growth for low-income earners is at its slowest since 2016, while high-income wage growth is at its fastest.LGBTQ+ folks are hit harder because of stacked vulnerability: lower average pay, higher debt, less family support, more career interruptions, more discrimination.The K-shaped economy rewards assets, not effort — which is why consistent investing and debt reduction matter so much.Early retirement abroad isn't a fantasy escape; it's a rational response to lower cost of living + better healthcare + more safety in some countries.You can't fix inequality by yourself, but you canBuild an FU fundReduce high-interest debtLower fixed expensesInvest consistently (even small amounts)Think globally about where you liveTalk honestly about money with your queer communityRELATED QUEER MONEY® EPISODES TO PROMOTE“Best Places for LGBTQ+ Retirement in Portugal” (why Portugal keeps winning)“Top Cities in Italy for LGBTQ+ Retirement”“Retire in Ecuador? LGBTQ+ Retirement Ratings”“Affordable Gay-Friendly Cities in the U.S.”“Why 72% of LGBTQ+ Folks Feel High Financial Stress”Mentioned in this episode:Ready to retire where you can be yourself... fully?Learn more about the Portugal Golden Opportunites Fund with OptimizeGet Your Portugal Golden Visa Here!

We welcome Moody's Mark Zandi, Moody's Chief Economist and one of the most influential and trusted macroeconomic voices shaping markets, policy, and business strategy worldwide. Zandi begins by explaining how today's consumer landscape is defined by a widening K-shaped economy—an income and wealth split decades in the making and now intensified by rising asset values and post-pandemic dynamics. Households at the top of the income spectrum are spending freely, while middle-class consumers remain pressured and those at the bottom struggle to keep up, borrowing to sustain purchases.Zandi also connects the affordability crisis to structural issues like housing supply, wage pressures, labor shortages, and the unpredictable impact of tariffs—which are simultaneously slowing job creation, lifting inflation, and clouding retailers' pricing strategies. He warns that delayed tariff pass-through may soon accelerate and that upcoming legal decisions could radically alter retail margins.Perhaps most striking is Zandi's analysis of AI's fingerprints on the labor market. He highlights rapidly rising unemployment among younger workers and the risk that productivity gains arrive faster than hiring can adjust—potentially tipping the economy toward recession just as retail faces profit pressure, concentration of growth among a handful of giants, and shifts in category performance.Before joined by Zandi, Steve and Michael dig into the retail headlines: strong BFCM e-commerce results , Buy Now Pay Later surging again, and evidence that AI-driven traffic is now materially influencing online demand. They examine the evolving performance of dollar stores, with Five Below delivering standout comps, the ongoing stampede to value, and whether the end of de minimis rules may reshape the bargain landscape.They then break down Macy's mixed but improving traction, tariff lawsuits led by Costco, and the broader retail question of whether top-line growth is increasingly profitless prosperity—a theme reinforced by margins squeezed across beauty, off-price, and specialty retail formats.In a quick recap of the most remarkable stories of the week Steve is stunned that Meta still invests heavily in the metaverse—even while shrinking budgets Michael questions whether defunct brands like Bed Bath & Beyond can meaningfully return in the Canadian retail market dominated by TJX, HomeSense, and IKEA.Expect the annual game of holiday discount chicken to intensify as promotions escalate, plus intriguing experiments like Netflix House in former department-store spaces—potentially hinting at new opportunities for mall real estate. SPECIAL OFFER for our listeners! SAVE 20% on registration for the all new Shoptalk Luxe event in Abu Dhabi January 27-29.For more info go to https://luxe.shoptalk.com/page/get-ticket and then register using our special code : RRLUXE20 About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Some of our favorite restaurants are celebrating their 10th anniversaries! That includes places like Driftwood Oven (home of the ever-popular sourdough pizza) and Butterwood Bake Consortium (known for its late night cakes). What was happening a decade ago that allowed these restaurants to flourish — and how did they change Pittsburgh's food scene? Post-Gazette dining critic Hal B. Klein joins host Megan Harris to discuss his Class of 2015 series and share how spots like Senti and Scratch & Co. totally rocked our local dining scene. Get more from City Cast Pittsburgh when you become a City Cast Pittsburgh Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events and more. Join now at https://membership.citycast.fm or gift a membership at https://membership.citycast.fm/gifts. Learn more about the sponsors of this December 9th episode: Fulton Commons Babbel - Get up to 55% off at Babbel.com/CITYCAST Aura Frames - Get $35 off the Carver Mat frame with Promo Code CITYCAST Want more Pittsburgh news?  Sign up for our daily morning Hey Pittsburgh newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here. 

The 1960s were a defining era for James Bond, and much of that success came from its unforgettable villains. In this episode, we dive deep into How James Bond Villains of the 1960s shaped the 007 franchise, exploring the masterminds who turned spy thrillers into global phenomena. From the calculating genius of Ernst Stavro Blofeld to the gold-obsessed Auric Goldfinger, these characters didn't just challenge Bond—they set the standard for cinematic villains for decades to come. We'll examine how these antagonists influenced the tone, style, and storytelling of the early Bond films. Why did Blofeld become the ultimate symbol of evil? How did Goldfinger's obsession with wealth redefine villainy? And what about Rosa Klebb? How did she add psychological depth to espionage drama? Each villain brought unique traits that shaped Bond's evolution as a character and cemented the franchise's identity. This episode also looks at the cultural impact of these villains. Their extravagant lairs, iconic henchmen, and world-domination plots became templates for countless spy movies and even parodies. We'll uncover behind-the-scenes details, including casting choices, design decisions, and how Ian Fleming's novels influenced their on-screen portrayals. Whether you're a lifelong Bond fan or new to the series, this discussion offers fresh insights into why the 1960s villains remain legendary. They weren't just bad guys—they were trendsetters who defined an era of cinematic sophistication and suspense. Tune in to learn how these iconic adversaries shaped the legacy of 007 and why their influence still resonates in modern spy films. Subscribe now and join us as we revisit the decade that made James Bond—and his villains—immortal. Tell us what you think about our decoding of how James Bond villains of the 1960s shaped the 007 franchise Finally, do you agree with our assessment here?  Drop us a note and let us know. Let us know your thoughts, ideas for future episodes, and what you think of this episode. Just drop us a note at info@spymovienavigator.com.  The more we hear from you, the better the show will surely be!  We'll give you a shout-out in a future episode!   You can check out all our CRACKING THE CODE OF SPY MOVIES podcast episodes on your favorite podcast app or our website. In addition, you can check out our YouTube channel as well.   Episode Webpage:  https://bit.ly/bond-villains-of-the-1960s

Yujiro Sugita learned early from Roger Ver that #Bitcoin wasn't just an asset — it was a path toward a freer, more equal world.

First up on the show: Jamie Dimon, CEO of JPMorgan Chase, says the economy is doing well. After all, consumers are chugging along, and the stock market is continuing a strong run. But that feeling of "doing well" isn't even across the board, and those on the lower end of the income spectrum are feeling pinched. We'll discuss, and later we'll explore how this is playing out in the restaurant scene, too.

First up on the show: Jamie Dimon, CEO of JPMorgan Chase, says the economy is doing well. After all, consumers are chugging along, and the stock market is continuing a strong run. But that feeling of "doing well" isn't even across the board, and those on the lower end of the income spectrum are feeling pinched. We'll discuss, and later we'll explore how this is playing out in the restaurant scene, too.

At first, we wondered why Zane Rowe was once again leading us back to Continental Airlines. With notable CFO tenures at VMware and EMC—chapters rich with transformation—surely there were fresh stories to surface.But as Rowe began tracing the logic behind flight profitability, route modeling, and data-rich decision making, the relevance snapped into focus. His Continental experience isn't just a recurring anecdote; it's the lens through which he still interprets complex systems today. That early foundation made this discussion every bit as insightful as our last—especially as he connected those lessons to Workday's AI trajectory and the accelerating pace of strategic decision making.“I spent a lot of time in the airlines in what we called flight profitability,” Rowe tells us. At Continental, he helped build systems to understand which routes truly created value when full planes were still losing money, he tells us. That work, grounded in heavy telemetry and EMC technology, showed him how finance could move from reporting results to reshaping the route portfolio, he tells us.In his first conversation with CFO Thought Leader, Rowe walked through those early chapters—from revenue management at a post-bankruptcy airline to a bold sales pivot at Apple and multiple CFO roles in technology, he tells us. In this second interview, he returns to the same storyline but takes it one step further, drawing a direct line from that profitability model to today's AI-driven world, he tells us.Now, as Workday's CFO, he describes AI as an equalizer that lets small teams run multiple forecasting models and ingest far more variables in cash projections than before, he tells us. He points to “Everyday AI,” a company-wide initiative, and a cross-functional AI leadership group that pushes common tools, responsible use, and regular check-ins on what is changing in the work itself, he tells us.Rowe's finance strategic moment this year is “recognizing the importance of investing more into AI”—organically and inorganically—because peers are not standing still and customers want those capabilities, he tells us. With a total addressable market “in the hundreds of billions of dollars” and revenue “much less than that,” he frames leadership now as deciding where to lean in hardest, he tells us.

A list can be a time machine. We kick off by diving into 35 Southern rock songs that didn't just top bar jukeboxes—they built a genre's backbone. Skynyrd, The Allman Brothers, ZZ Top, 38 Special, and more set the rules on groove, grit, and guitar heroics, and we ask the hard question: who shaped the sound versus who reflected it back? That sparks a bigger conversation about authenticity and the future of music as an AI-generated act climbs a country chart. Are we celebrating craft or sidelining it? We draw clear lines—AI is a powerful tool for arrangements, virtual players, and sonic polish, but the human heart should stay at the center for lyrics and lead vocals. Think drum machines and MIDI as useful tools, not replacements. Maybe it's time for new categories—Produced With AI or Best AI-Directed Track—so innovation and integrity can coexist.We also run a listener-fueled bracket to crown the best debut album. Expect fireworks as Taylor Swift, Carrie Underwood, Chris Stapleton, Van Halen, Guns N' Roses, Alanis Morissette, and Boston square off. The final verdict celebrates a debut that fused tone, engineering genius, and melody into a once-in-a-generation statement. Between segments, we spotlight CMA milestones, a nostalgic holiday collab with a modern twist, and a fresh wave of tours worth bookmarking.Your mailbag powers the craft deep dive: the loudness war and why streaming normalization brings back dynamics, how modern records get built across big studios and home rigs, and the most common rookie mistake (spoiler: it's not a bad mic). We make space for strong takes, small details, and the stuff that actually helps artists grow. If you care about songs that breathe, vocals that risk something, and communities that talk back, you'll feel right at home.Episode LinksAI Experiment: https://jayfranze.com/experiment/Scotty Simpson: https://jayfranze.com/episode3/Jim Cristaldi: https://jayfranze.com/episode27/Billie Jo Jones: https://jayfranze.com/episode98/Dalila Mya: https://jayfranze.com/episode102/Mark Badolato: Send us a text Support the showLinks Jay Franze: https://jayfranze.com/ JFS Country Countdown: https://jayfranze.com/countdown/ Contact Contact: https://jayfranze.com/contact/ Socials Instagram: https://www.instagram.com/jayfranze TikTok: https://www.tiktok.com/@jayfranze X: https://x.com/jayfranze YouTube: https://youtube.com/@jayfranze Services Services: https://jayfranze.com/services/ Books Books: https://jayfranze.com/books/ Merchandise Merchandise: https://jayfranze.com/merchandise/ Support Support: https://jayfranze.com/support/ Sponsor the Show: https://jayfranze.com/sponsor/

As another holiday season kicked off on Black Friday, finding the perfect gift is top of mind for many. But how much will weary American consumers be willing to spend this year? Based on early data … it's a lot! Marketplace's Kristin Schwab joins Kimberly to explain why the K-shaped economy may explain the contradiction and why AI is making its way into Americans' shopping habits. Plus, we'll play a round of Half Full/Half Empty!Here's what we talked about on the show today:”September retail sales fail to impress” from Marketplace”Black Friday, Cyber Monday spending expected to top records” from Marketplace”Black Friday Sales Spike Despite Economic Uncertainty, Study Shows—Here's Why” from Forbes“‘Tis the season for credit card debt” from Marketplace”How are retailers benefiting from the "buy now, pay later" boom?” from Marketplace”What is your Spotify listening age?” from Marketplace”More than 8 in 10 Americans are more likely to purchase secondhand gifts this year” from Retail Brew”Target Launches New AI-Powered Features to Make Holiday Shopping Easier, Smarter and More Fun” from PR NewswireMissed Giving Tuesday? It's always a great time to become a Marketplace investor. Give now: https://support.marketplace.org/smart-sn

“If you get on cruise control and let everything start festering, it's gonna find a way to get out somehow…everybody makes mistakes, I made one and I apologized for it and moved on, and I'm better for it now.” Desmond Bane In one of the most authentic and real conversations we've had on The Pivot Podcast, Ryan Clark, Fred Taylor, and Channing Crowder sit with Orlando Magic star Desmond Bane — a player whose journey is as powerful as his jump shot and deep roots that have grounded him since day one. With humility at his core in all he does, Bane's talents have often been overshadowed by his quiet demeanor but this off season his value was at the forefront, when Orlando traded for the young star solidifying his place as one of the top players in the NBA. Bane opens up about the early adversity that fueled his rise, the overlooked beginnings that pushed him to grind harder than the next guy, and the deep bond he built with Ja Morant in Memphis — a brotherhood formed through shared battles, growth, and the pressures of leading a young franchise. Now, after a blockbuster trade to Orlando, Bane talks candidly about embracing a new chapter and the responsibility of being a cornerstone for a young Magic squad. He opens up on how it took a little while trying to find his place in a new arena and gives context to the uncharacteristic game ejection early on, and shares what one thing clicked that has fueled his explosive run, including his back-to-back 37-point performances that set the tone for what's becoming a breakout year in his new uniform and has his team 4-0 in the NBA Cup. Raised by his grandparents in the tight-knit community of Richmond, Indiana, Bane reflects on how small-town values, discipline, and love shaped the competitor and man he is today. It wasn't an easy path and the young star reveals his personal anxiety battles and how he redefined his path. He talks about the pain of loss and how his wife and kids helped him redefine purpose after grieving from so much change. And in a rare pivotal moment on the show, Desmond flips the conversation to Ryan, Channing and Fred, asking them how life is for them and how they have handled certain changes....truly a powerful part of the episode. Authentic, honest, and inspiring, this conversation captures Desmond Bane at a pivotal moment — reflecting on where he came from, honoring the people who raised him, and stepping boldly into the player he's proving he can be. Pivot Family, please like, comment and hit the subscribe button, we love hearing from you! Learn more about your ad choices. Visit megaphone.fm/adchoices

K-Shaped Economy: AI Threatens White-Collar Employment — Chris Riegel — Riegel reports that Black Fridayretail activity generated high shopper traffic, though aggregate spending totals remain unclear pending complete data aggregation. Riegel warns of intensifying "K-shaped economy" dynamics wherein artificial intelligence systematically threatens white-collar professional employment and wage stability traditionally shielded from automation. Riegelhighlights China's deepening economic crisis, including manufacturing downturns, declining industrial utilization, and desperate but ineffective economic pivot toward Russian markets and domestic pharmaceutical production substitution. 1910 JACKSONVILLE

PREVIEW: Celebrating Christmas in Milan with Panettone: Colleague Lorenzo Fiori describes Milan's Christmas traditions, highlighting Panettone as the "King of Christmas," a dome-shaped cake filled with raisins and candied orange typically served with mascarpone or chocolate cream, recommending pairing the dessert with sweet Muscat wine or Italian sparkling wine for a complete holiday experience.

Jack searches for new market metaphors. A Bank of Canada economist sizes up US conditions. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of "The Drink,” Kate Snow sits down with comedian Roy Wood Jr. to discuss his new book, "The Man of Many Fathers.” Best known for his years as a correspondent on "The Daily Show" — and now the host of CNN's "Have I Got News for You" — Roy reflects on the challenges that have shaped his career so far: a complicated childhood in Memphis and Birmingham, a college arrest, and even time spent sleeping in his car while traveling the country to perform stand-up."The Drink" is Kate Snow's interview series featuring candid conversations with actors, authors, athletes, and visionaries — all over the beverage of their choice.Watch every episode of "The Drink" now at NBCNEWS.COM/THEDRINK. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Quick, check your watch, the infamous Mirrored Men are back! Plus, a ghostly pioneer woman, a very strange UFO and much more. Keep it spooky and enjoy! Season 20 Episode 16 of Monsters Among Us Podcast, true paranormal stories of ghosts, cryptids, UFOs and more, told by the witnesses themselves. SHOW NOTES:  Support the show! Get ad-free, extended & bonus episodes (and more) on Patreon - https://www.patreon.com/monstersamonguspodcast Tonight's Sponsor - Uncommon Goods - Unique, meaningful gifts you won't find anywhere else - Visit uncommongoods.com/mau for 15% off your next gift. Tonight's Sponsor - Bombas - Your socks are showing, make them count! One pair purchased = one pair donated. Visit Bombas.com/mau and use code MAU for 20% off your first purchase. Now shipping worldwide to over 200 countries! Tonight's Sponsor - Upwork - Post a job today, hire tomorrow - When you spend $1,000 on Upwork Business Plus you'll get $500 in credit. Visit Upwork.com/save now to claim this offer before 12/31/25. MAU Merch Shop - https://www.monstersamonguspodcast.com/shop MAU Discord - https://discord.gg/2EaBq7f9JQ Watch FREE - Shadows in the Desert: High Strangeness in the Borrego Triangle  - https://www.borregotriangle.com/ Monsters Among Us Junior on Apple Podcasts  - https://podcasts.apple.com/us/podcast/monsters-among-us-junior/id1764989478 Monsters Among Us Junior on Spotify - https://open.spotify.com/show/1bh5mWa4lDSqeMMX1mYxDZ?si=9ec6f4f74d61498b Culbertson Mansion - https://en.wikipedia.org/wiki/Culbertson_Mansion_State_Historic_Site Culbertson Mansion ghostly activity - https://www.youtube.com/watch?v=96BoMDwm2uo Other egg-shaped UFOs - https://www.youtube.com/watch?v=4ZkRTFqoLqM Egg UFO attacks helicopter - https://www.youtube.com/watch?v=ZhQrl0j0Vss Merch Shop Gift Cards - https://www.monstersamonguspodcast.com/shop/giftcard Beyond gift subscription - https://www.patreon.com/monstersamonguspodcast/gift Mirrored Men Photo 1 - https://bit.ly/48Qrl19 Mirrored Men Photo 2 - https://bit.ly/4iDKmXZ Mirrored Men Photo 3 - https://bit.ly/3XyBdGw Photo of spot where figures stood - https://bit.ly/44KFOJy Mirrored Men Video 1 - https://www.youtube.com/shorts/k1PTCiJw1ms Mirrored Men Video 2 - https://www.youtube.com/shorts/hUV3DS77TI4 Photo of the same peak - https://bit.ly/3MpWboF Batsquatch - https://www.instagram.com/reel/DRCehKlEaWC/ Music from tonight's episode: Music by Iron Cthulhu Apocalypse - https://www.youtube.com/c/IronCthulhuApocalypse CO.AG Music - https://www.youtube.com/channel/UCcavSftXHgxLBWwLDm_bNvA Music By Karl Casey @ White Bat Audio - https://www.youtube.com/@WhiteBatAudio White Bat Audio Songs: Acacia The Resistance Sulaco 1000 Years