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Janury 22, 2026Have you had your dose of The Daily MoJo today? Download The Daily MoJo App! "Another Day In Chaos | The Daily MoJo Ep:012226"A lively discussion covers challenges in live broadcasting, the urgency of winter storm preparations, and the unpredictability of weather forecasts. The conversation shifts to Russia's NATO involvement and concerns about President Putin's commitment to peace in Ukraine. Political issues in New York City are highlighted, along with humorous anecdotes about gifts and personal experiences. The impact of corporate ownership on entertainment and societal changes is analyzed, encouraging viewers to form their own opinions.Phil Bell's Morning Update Democrats say Republicans are Unconstitutional in New York:  HEREBrandon Morse - Redstate Author & host of The Brandon Morse YouTube channel-  Shares some disturbing stories about milking tables and Minotaurs!Brandon's LinktreeOur affiliate partners:Be prepared! Not scared. Need some Ivermection? Some Hydroxychloroquine? Don't have a doctor who fancies your crazy ideas? We have good news - Dr. Stella Immanuel has teamed up with The Daily MoJo to keep you healthy and happy all year long! Not only can she provide you with those necessary prophylactics, but StellasMoJo.com has plenty of other things to keep you and your body in tip-top shape. Use Promo Code: DailyMoJo to save $$Take care of your body - it's the only one you'll get and it's your temple! We've partnered with Sugar Creek Goods to help you care for yourself in an all-natural way. And in this case, "all natural" doesn't mean it doesn't work! Save 15% on your order with promo code "DailyMojo" at SmellMyMoJo.comCBD is almost everywhere you look these days, so the answer isn't so much where can you get it, it's more about - where can you get the CBD products that actually work!? Certainly, NOT at the gas station! Patriots Relief says it all in the name, and you can save an incredible 40% with the promo code "DailyMojo" at GetMoJoCBD.com!Romika Designs is an awesome American small business that specializes in creating laser-engraved gifts and awards for you, your family, and your employees. Want something special for someone special? Find exactly what you want at MoJoLaserPros.com  There have been a lot of imitators, but there's only OG – American Pride Roasters Coffee. It was first and remains the best roaster of fine coffee beans from around the world. You like coffee? You'll love American Pride – from the heart of the heartland – Des Moines, Iowa. AmericanPrideRoasters.com   Find great deals on American-made products at MoJoMyPillow.com. Mike Lindell – a true patriot in our eyes – puts his money where his mouth (and products) is/are. Find tremendous deals at MoJoMyPillow.com – Promo Code: MoJo50  Life gets messy – sometimes really messy. Be ready for the next mess with survival food and tools from My Patriot Supply. A 25 year shelf life and fantastic variety are just the beginning of the long list of reasons to get your emergency rations at PrepareWithMoJo50.comStay ConnectedWATCH The Daily Mojo LIVE 7-9a CT: www.TheDailyMojo.com Rumble: HEREOr just LISTEN:The Daily MoJo ChannelBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-daily-mojo-with-brad-staggs--3085897/support.

Shares of Netflix and United Airlines on the move as the company report results. The latest on the streaming giant's bid for Warner Brothers Discovery, and what United CEO Scott Kirby has to say about the company's latest numbers. Plus, the latest out of President Trump's White House briefing, the surge in Natural gas prices as freezing temperatures hit millions across the U.S., and the stocks that bucked today's sell-off.Fast Money Disclaimer  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

January 20, 2026Have you had your dose of The Daily MoJo today? Download the APP HERE"Dimensional Portals | The Daily MoJo Ep:012026"DARPA focuses on defense projects while CERN often faces confusion with other entities. The dialogue includes extreme temperature locations, allegations against Don Lemon, and protests linked to racial justice. It discusses activism, civil rights, and personal health, emphasizing immune support. Topics also cover trust in technology, laser engraving, and the Large Hadron Collider, alongside media criticism and the importance of accountability in journalism.Phil Bell's Morning Update - Happy Trump Day!:  HEREAllThingsTrains.comAllThingsTrainsPhil on X: HEREDan Andros - host of The QuickStart Podcast and Managing Editor at CBN.com - Shares some thoughts on Don Lemon's actions over the weekend.FaithwireCBN NewsYouTubeOur affiliate partners:EMP Shield - Figuring out the odds of a devastating EMP attack on the United States is impossible, but as with any disaster, the chances are NOT ZERO, and could happen any day. This decade has proven that the weird and unexpected is right around the corner. Be prepared - protect your home, vehicle, even your generator - with EMP Shield. You'll save money and protect what's important at the same time!ProtectMyMoJo.com Be prepared! Not scared. Need some Ivermection? Some Hydroxychloroquine? Don't have a doctor who fancies your crazy ideas? We have good news - Dr. Stella Immanuel has teamed up with The Daily MoJo to keep you healthy and happy all year long! Not only can she provide you with those necessary prophylactics, but StellasMoJo.com has plenty of other things to keep you and your body in tip-top shape. Use Promo Code: DailyMoJo to save $$Take care of your body - it's the only one you'll get and it's your temple! We've partnered with Sugar Creek Goods to help you care for yourself in an all-natural way. And in this case, "all natural" doesn't mean it doesn't work! Save 15% on your order with promo code "DailyMojo" at SmellMyMoJo.comCBD is almost everywhere you look these days, so the answer isn't so much where can you get it, it's more about - where can you get the CBD products that actually work!? Certainly, NOT at the gas station! Patriots Relief says it all in the name, and you can save an incredible 40% with the promo code "DailyMojo" at GetMoJoCBD.com!Romika Designs is an awesome American small business that specializes in creating laser-engraved gifts and awards for you, your family, and your employees. Want something special for someone special? Find exactly what you want at MoJoLaserPros.com  There have been a lot of imitators, but there's only OG – American Pride Roasters Coffee. It was first and remains the best roaster of fine coffee beans from around the world. You like coffee? You'll love American Pride – from the heart of the heartland – Des Moines, Iowa. AmericanPrideRoasters.com   Find great deals on American-made products at MoJoMyPillow.com. Mike Lindell – a true patriot in our eyes – puts his money where his mouth (and products) is/are. Find tremendous deals at MoJoMyPillow.com – Promo Code: MoJo50  Life gets messy – sometimes really messy. Be ready for the next mess with survival food and tools from My Patriot Supply. A 25 year shelf life and fantastic variety are just the beginning of the long list of reasons to get your emergency rations at PrepareWithMoJo50.comStay ConnectedWATCH The Daily Mojo LIVE 7-9a CT: www.TheDailyMojo.com Rumble: HEREOr just LISTEN:The Daily MoJo ChannelBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-daily-mojo-with-brad-staggs--3085897/support.

Lucinda Williams discusses her recent creative surge with multiple tribute albums, paying homage to the masters, Folkways days, post-stroke recovery and the new album World's Gone Wrong Topics Include: Lucinda announces her 18th album "World's Gone Wrong" releasing January 23rd Reveals dramatic shift from releasing albums every 3-8 years recently Credits husband-manager Tom Overby for keeping creative momentum going post-stroke Explains how new band members made working out songs fun Describes creative process challenges between inspiration and studio deadlines Shares need for quiet, private spaces to write freely Reveals hotel rooms as unexpected creative sanctuaries like John Prine Discusses how songs emerge either formed or requiring detailed work Explains editing process of refining and "trimming the fat" Details collaboration with Tom Overby on "We've Come Too Far" Talks recording at Ray Kennedy's Room and Board studio Shares Steve Earle connection from Car Wheels on Gravel Road Laments losing song ideas when unable to record immediately Recalls taking control in studio despite band's initial surprise Tells sweet story of meeting Ringo Starr at Capitol Records Discusses transformative Beatles albums from early work to Sergeant Pepper Names Bob Dylan as her North Star musical mentor Explains The Doors' influence especially their dark poetic imagery Connects tribute album work to preparing for original songwriting Previews future projects including Neil Young tribute and stroke treatment High resolution version of this podcast is available at: www.Patreon.com/VinylGuide Apple: https://tinyurl.com/tvg-ios Spotify: https://tinyurl.com/tvg-spot Amazon Music: https://tinyurl.com/tvg-amazon Support the show at Patreon.com/VinylGuide

Many retreat leaders are stuck running one-off retreats - constantly reinventing the wheel, hustling for new sign-ups, and exhausting themselves with fresh marketing every time. But the smartest, most sustainable retreat businesses? They build signature retreats that become a recognizable, in-demand part of their brand. In this episode, Shannon breaks down how to turn your retreat into a powerful brand asset that builds loyalty, grows every year, and creates recurring revenue through alumni and long-term client pathways. You'll learn how to create a retreat theme people return to annually, how to build anticipation year-round, and how to turn your retreat into the top of a pipeline for courses, coaching, memberships, and more. This is next-level retreat business strategy - and every leader who's tired of starting from scratch needs to hear it. Key Takeaways A signature retreat theme creates recognition, trust, and brand identity. Alumni are your easiest, most profitable guests - and a signature retreat keeps them coming back. One-off retreats are exhausting and keep you in constant hustle mode. A successful retreat begins the day the previous one ends - anticipation-building matters. A signature retreat becomes a pipeline for courses, coaching, memberships, and next-level offers. When done right, your retreat becomes a cornerstone asset - not a one-time event. The Retreat Leaders Podcast Resources and Links: Learn to Host Retreats Join our private Facebook Group Top 5 Marketing Tools Free Guide Get your legal docs for retreats Join Shannon in Denver at the Retreat Industry Forum  Join our LinkedIn Group Apply to be a guest on our show Thanks for tuning into the Retreat Leaders Podcast. Remember to subscribe for more insightful episodes, and visit our website for additional resources. Let's create a vibrant retreat community together! Subscribe:  Apple Podcast | Google Podcast | Spotify ----- TIMESTAMPS Benefits of a Signature Retreat Theme (00:01:24) Discusses how a signature theme creates consistency, builds trust, and encourages repeat attendance. Choosing the Right Theme (00:03:46) Advice on selecting a retreat theme that aligns with your brand and attracts annual returnees. Leveraging Alumni for Retreat Sales (00:04:56) Explains why alumni are the best source for retreat sales and how to nurture them. Delivering Unforgettable Experiences (00:05:50) Stresses the importance of providing memorable retreats to encourage alumni to return. Alumni Perks & First Access (00:06:45) Describes offering alumni early booking, priority, and small discounts or bonuses. Year-Round Alumni Engagement (00:07:42) Shares strategies for maintaining genuine connections with alumni throughout the year. Pitfalls of One-Off Retreats (00:08:34) Explains how constantly reinventing retreats leads to burnout and inconsistent revenue. Building Anticipation Year-Round (00:09:36) Outlines ways to keep excitement high for your signature retreat all year, not just before launch. Content Pillars & Ongoing Promotion (00:12:39) Recommends creating and using content pillars to promote retreats and build anticipation. Integrating Retreats into a Revenue Pipeline (00:13:47) Shows how retreats can feed into other offers (courses, memberships, coaching) and vice versa. Final Thoughts & Call to Action (00:15:02) Encourages listeners to build legacy retreats and invites them to the Retreat Industry Forum.

Shares of Morgan Stanley and Goldman Sachs hit new highs after reporting results. Barclays lays out which stocks in the space are a buy. Then, former National Security Advisor H.R. McMaster on the newly announces Iran sanctions and what to expect from the President's meeting with Venezuela's Machado. Plus, TSMC surges after earnings. How those results are reenforcing optimism for the AI rally. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Greenland, Mexico, Venezuela, Colombia – USA is the world’s Cop again? More .. Housing, Credit cards, Fannie and Freddie – all in week’s work.. Retail investors in control – don’t care about the noise. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter   Warm-Up - Greenland, Mexico, Venezuela, Colombia - USA is the world's Cop again? - More .. Housing, Credit cards, Fannie and Freddie - all in week's work.. - Retail investors in control - don't care about the noise Markets - DJIA plowing ahead - NASDAQ on fire - what can stop this? - Nuclear stocks back in play - Defense names on the move - Interesting economic news. FIRST - President Donald Trump said drug “cartels are running Mexico,” and suggested the U.S. military could start land strikes against them there. - The comments come on the heels of suggestions that Trump could take military action in Cuba and Colombia, and to annex Greenland. - The Trump administration has reportedly carried out 35 known strikes on alleged drug boats in the Caribbean, killing 115 individuals. - I will be going to Mexico later this week for a couple of days..... Retail Ruling - Retail traders have extended a buying spree into the new year, following a record-setting performance in 2025, with purchases in the first four trading days of January hitting the second-highest level in almost eight months. - Individual investors have bought about $10.1 billion of US equities since the start of the year, mainly via exchange-traded funds, far exceeding the 12-month weekly average. - Retail investors' confidence has helped stabilize markets during recent pullbacks, and if they keep snapping up equities, gains in the US stock market are likely to persist, according to analysts. Employment Report - 4.4% Unemployment Rate - Nonfarm Payroll Employment: U.S. employers added +50,000 jobs in December 2025. This came in below economists' expectations (consensus around 60,000–73,000) and was a slowdown from the downwardly revised +56,000 in November. - Unemployment Rate: Edged down slightly to 4.4% (from a revised 4.5% in November), contrary to forecasts of 4.5%. The number of unemployed people remained around 7.5 million, showing little change. - Full-Year 2025 Performance: Total payroll growth for the year was just +584,000 jobs (average monthly gain of +49,000), marking one of the weakest years for hiring since 2020 (impacted by the pandemic). This is a sharp drop from +2.0 million added in 2024 (average +168,000 monthly). -Revisions to Prior Months: -- October 2025: Revised down to -173,000 (from -105,000, reflecting federal government buyouts and shutdown effects). -- November 2025: Revised down by 8,000 to +56,000. -- Combined October–November: 76,000 fewer jobs than previously reported. GDP - HOT - Minneapolis Fed President Neel Kashkari (voting FOMC member) on CNBC says it is very surprising how strong GDP growth is; says labor market is clearly cooling; says inflation still too high; has confidence housing inflation will trend down - Q3 at +3.8% and Atlanta GDP NOW is predicting that Q4 will come in at +5.1% More Eco - Productivity (Prelim Q3): 4.9% vs. 2.5% consensus - Productivity measures output per hour worked. A jump to 4.9% (almost double the consensus) suggests businesses are producing much more per labor hour than expected. Prior was revised up to 4.1% from 3.3%, so the trend is strengthening. WOW! Unit Labor Costs (Prelim Q3): -1.9% vs. +0.8% consensus - Unit labor costs measure labor cost per unit of output. A negative number means costs per unit are falling. Prior revised to -2.9% from +1.0%, so costs have been dropping sharply. -Could be due to technology adoption, automation, or efficiency improvements. Post-pandemic restructuring and leaner operations may have boosted output without adding labor. OOOOOOOPS - White House official says Truth Social disclosure of December jobs report was an "inadvertent release"; says White House will review protocols - CNBC  What next? - President Donald Trump called for a one-year cap on credit card interest rates at 10%, effective Jan. 20, without specifying details. - Trump wrote on social media that the American Public will no longer be "ripped off" by Credit Card Companies that are charging Interest Rates of 20 to 30%, and even more. - Maybe because of this: Hours before his message on Friday, Senator Bernie Sanders, a Vermont independent, said on X: “Trump promised to cap credit card interest rates at 10% and stop Wall Street from getting away with murder. Instead, he deregulated big banks charging up to 30% interest on credit cards.” - BUT! Credit card companies will not be forced to issue credit - right? It will hurt people that need credit for business, personal or other needs. Then there was this: - Mortgage rates fell sharply on Friday, a day after President Donald Trump said on social media that he is instructing mortgage giants Fannie Mae and Freddie Mac to buy $200 billion in mortgage bonds. - “This will drive Mortgage Rates DOWN, monthly payments DOWN, and make the cost of owning a home more affordable,” he said in the Truth Social post. - Still not clear where the money will come from and hot this actually works with the current structure of Fannie and Freddie - Talk of Fannie/Freddie IPO? --- Both are still still in conservatorship and book value per share still negative - SO WHERE DOES MONEY COME FROM? OHHHHH - How about this - 4PM browbeating for the Defense companies - RTX was in the hotseat (as were others) taking the wrath of Pres Trump saying that they were basically fat and happy and ripping off the taxpayer - No more dividends and no more buybacks was the call - Stocks dropped 5% into the close and then more after - 30 minutes later - conversation changed and the idea of a move from $1T in spending for the defense budget should move to $1.5T in 2027. ----- Where does that money come from? - Stocks JUMPED! Can't Ignore this - Trump suggesting that Corporations and institutional investors cannot buy single family homes - “People live in homes, not corporations,” he said. - The argument is that corporate ownership has helped push housing further out of reach for everyday Americans. - It is for that reason, and much more, that I am immediately taking steps to ban large institutional investors from buying more single-family homes, and I will be calling on Congress to codify it. - Invitation Homes, which is the largest renter of single-family homes in the country, tumbled 6%. Shares of Blackstone, an investing firm that owns and rents single-family homes, dropped more than 5%. Private equity firm Apollo Global Management also declined over 5%. Then there is this... - DOJ putting he screws to Powell - The Trump administration has ramped up its pressure campaign on the U.S. central bank, threatening to indict Federal Reserve Chair Jerome Powell over comments he made to Congress about a building renovation project, prompting the Fed chief to call the move a "pretext" to gain more influence over the ?setting of interest rates. - The latest development in a long-running effort by U.S. President Donald Trump to push the Fed to dramatically lower rates had immediate fallout in Washington and on global markets. - Powell came out with a video over the weekend. - Initially futures were down

In this episode of Mining Stock Education, host Brian Leni interviews Brian Dalton, CEO of Altius Minerals, to discuss the current state of the mining royalty sector. They delve into various topics including the competitive edge among royalty companies, contrarian opportunities in the market, and Altius's recent acquisition of Lithium Royalty Corp. Dalton shares his perspective on the importance of royalty and streaming financing, the impact of new entrants like Tether in the market, and how geopolitical factors and deglobalization are shaping the sector. He also discusses the challenges and opportunities in asset selection, the implications of market overshoots, and the future of the mining industry. Listeners will gain valuable insights on how to think like a CEO of a royalty company and make informed investment decisions. 00:00 Introduction 00:30 Current State of the Mining Royalty Sector 01:12 Consolidation and New Entrants in the Royalty Space 01:39 The Role of Royalties in Mining Financing 04:27 Tether's Entry into the Royalty Space 07:42 Investor Perspectives and Market Dynamics 22:08 Contrarian Opportunities in the Mining Sector 28:08 The Commitment of a Royalty Investor 28:53 Investor vs. Businessman: Key Differences 29:28 The Importance of Market Valuation 30:13 Navigating Emotions in Investment 30:52 Discussing the Lithium Royalty Corp Acquisition 31:46 Lithium Market Dynamics and Growth 40:16 The Role of Geopolitics in Resource Investment 44:17 Balancing Cash and Shares in Deals 46:34 Ranking Opportunities in the Metals Market 51:24 Altius's Market Presence and Future Plans Altius Minerals: https://altiusminerals.com/ Sign up for our free newsletter and receive interview transcripts, stock profiles and investment ideas: http://eepurl.com/cHxJ39 This interview was NOT sponsored. Mining Stock Education offers informational content based on available data but it does not constitute investment, tax, or legal advice. It may not be appropriate for all situations or objectives. Readers and listeners should seek professional advice, make independent investigations and assessments before investing. MSE does not guarantee the accuracy or completeness of its content and should not be solely relied upon for investment decisions. MSE and its owner may hold financial interests in the companies discussed and can trade such securities without notice. MSE is biased towards its advertising sponsors which make this platform possible. MSE is not liable for representations, warranties, or omissions in its content. By accessing MSE content, users agree that MSE and its affiliates bear no liability related to the information provided or the investment decisions you make. Full disclaimer: https://www.miningstockeducation.com/disclaimer/

In this episode, I'm joined by Virginie Raphael — investor, entrepreneur, and philosopher of work — for a wide-ranging conversation about incentives, technology, and how we build systems that scale without losing their humanity. We talk about her background growing up around her family's flower business, and how those early experiences shaped the way she thinks about labor, value, and operating in the real economy. That foundation carries through to her work as an investor, where she brings an operator's lens to evaluating businesses and ideas. We explore how incentives quietly shape outcomes across industries, especially in healthcare. Virginie shares why telehealth was a meaningful shift and what needs to change to move beyond one-to-one, supply-constrained models of care. We also dig into AI, venture capital, and the mistakes founders commonly make today — from hiring sales teams too early to raising too much money too fast. Virginie offers candid advice on pitching investors, why thoughtful cold outreach still works, and how doing real research signals respect and fit. The conversation closes with a contrarian take on selling: why it's not a numbers game, how focus and pre-qualification drive better outcomes, and why knowing who not to target is just as valuable as finding the right people. If you're thinking about the future of work, building with intention, or navigating entrepreneurship in an AI-accelerated world, this episode is for you. And for more conversations like this, join us at Snafu Conference 2026 on March 5th, where we'll keep exploring incentives, human skills, and what it really takes to build things that last. Start (0:00) Reflections on Work, Geography, and AI Adoption Virginie shares what she's noticing as trends in work and tech adoption: Geographic focus: she's excited to explore AI adoption outside traditional tech hubs. Examples: Atlanta, Nashville, Durham, Utah, Colorado, Georgia, North Carolina, parts of the Midwest. Rationale: businesses in these regions may adopt AI faster due to budgets, urgency, and impatience for tech that doesn't perform. "There are big corporates, there are middle and small businesses in those geos that have budget that will need the tech… and/or have less patience, I should say, for over-hub technologies that don't work." She notes that transitions to transformational technology never happen overnight, which creates opportunities: "We always underestimate how much time a transition to making anything that's so transformational… truly ubiquitous… just tends to think that it will happen overnight and it never does." Robin adds context from her own experience with Robin's Cafe and San Francisco's Mission District: Observed cultural and business momentum tied to geography Mentions Hollywood decline and rise of alternative media hubs (Atlanta, Morocco, New Jersey) Virginie reflects on COVID's impact on workforce behaviors: Opened a "window" to new modes of work and accelerated change: "There were many preexisting trends… but I do think that COVID gave a bit of a window into what was possible." Emphasis on structural change: workforce shifts require multi-year perspective and infrastructure, not just trends. Investor, Mission, and Capital Philosophy Virginie clarifies she is an investor, not a venture capitalist, resisting labels and prestige metrics. "I don't call myself a venture capitalist… I just say investor." Focuses on outcomes over categories, investing in solutions that advance the world she wants to see rather than chasing trendy tech sectors. "The outcome we want to see is everyone having the mode of work that suits them best throughout their lives." Portfolio themes: Access: helping people discover jobs they wouldn't otherwise know about. Retention / support: preventing workforce dropouts, providing appropriate healthcare, childcare, and caregiving support. "Anyone anywhere building towards that vision is investible by us." Critiques traditional venture capital practices: Raising VC money is not inherently a sign of success. "Raising from a VC is just not a sign of success. It's a milestone, not the goal." Concerned about concentration of capital into a few funds, leaving many founders unsupported. "There's a sense… that the work we do commands a lot less power in the world, a lot less effectiveness than holding the capital to hire that labor." Emphasizes structural, mission-driven investing over chasing categories: Invests in companies that prevent workforce dropouts, expand opportunity, and create equitable access to meaningful work. Portfolio strategy is diversified, focusing on infrastructure and long-term impact rather than quick wins. "We've tracked over time what type of founders and what type of solutions we attract and it's exactly the type of deal that we want to see." Reflects on COVID and societal trends as a lens for her investment thesis: "COVID gave a bit of a window into what was possible," highlighting alternative modes of work and talent distribution that are often overlooked. Labor, Ownership, and Durable Skills Virginie reframes the concept of labor, wages, and ownership: "The word labor in and of itself… is something we need to change." Interested in agency and ownership as investment opportunities, especially for small businesses transitioning to employee ownership. "For a very long time… there's been a shift towards knowledge work and how those people are compensated. If you go on the blue-collar side… it's about wages still and labor." Emphasizes proper capitalization and alignment of funds to support meaningful exits for smaller businesses, rather than chasing massive exits that drive the VC zeitgeist. AI fits into this discussion as part of broader investment considerations. Childhood experience in family flower business shaped her entrepreneurial and labor perspective: Selling flowers, handling cash, and interacting with customers taught "durable skills" that persisted into adulthood. "When I think of labor, I think of literally planting pumpkin plants… pulling espresso shots… bringing a customer behind the counter." Observing her father start a business from scratch instilled risk-taking and entrepreneurial spirit. "Seeing my dad do this when I was seven… definitely part of that." Skills like sales acumen, handling money, and talking to adults were early lessons that translated into professional confidence. Non-linear career paths and expanding exposure to opportunity: Concerned that students often see only a narrow range of job options: "Kids go out of high school, they can think of three jobs, two of which are their parents' jobs… Surely because we do a poor job exposing them to other things." Advocates for creating more flexible and exploratory career pathways for young people and adults alike. Durable skills and language shaping work: Introduction of the term "durable skills" reframes how competencies are understood: "I use it all the time now… as a proof point for why we need to change language." Highlights the stigma and limitations of words like "soft skills" or "fractional work": Fractional roles are high-impact and intentional, not temporary or inferior. "Brilliant people who wanna work on a fractional basis… they truly wanna work differently… on a portfolio of things they're particularly good at solving." Work in Progress uses language intentionally to shift perceptions and empower people around work. Cultural significance of language in understanding work and people: Virginie notes that language carries stigma and meaning that shapes opportunities and perception. References Louis Thomas's essays as inspiration for attention to the nuance and power of words: He'll take the word discipline and distill it into its root, tie it back into the natural world." Robin shares a personal anecdote about language and culture: "You can always use Google Translate… but also it's somebody learning DIA or trying to learn dharia, which is Moroccan Arabic… because my fiance is Moroccan." Human-Positive AI, Process, and Apprenticeship Virginie emphasizes the value of process over pure efficiency, especially in investing and work: "It's not about the outcome often, it's about the process… there is truly an apprenticeship quality to venture and investing." Using AI to accelerate tasks like investment memos is possible, but the human learning and iterative discussion is critical: "There's some beauty in that inefficiency, that I think we ought not to lose." AI should augment human work rather than replace the nuanced judgment, particularly in roles requiring creativity, judgment, and relationship-building: "No individual should be in a job that's either unsafe or totally boring or a hundred percent automatable." Introduces the term "human-positive AI" to highlight tools that enhance human potential rather than simply automate tasks: "How do we use it to truly augment the work that we do and augment the people?" Project selection and learning as a metric of value: Virginie evaluates opportunities not just on outcome, but what she will learn and who she becomes by doing the work: "If this project were to fail, what would I still learn? What would I still get out of it?" Cites examples like running a one-day SNAFU conference to engage people in human-centered selling principles: "Who do I become as a result of doing that is always been much more important to me than the concrete outcomes of this thing going well." AI Bubble, Transition, and Opportunity Discusses the current AI landscape and the comparison to past tech bubbles: "I think we're in an AI bubble… 1999 was a tech bubble and Amazon grew out of it." Differentiates between speculative hype and foundational technological transformation: "It is fundamental. It is foundational. It is transformative. There's no question about that." Highlights the lag between technological introduction and widespread adoption: "There's always a pendulum swing… it takes time for massively transformative technology to fully integrate." AI as an enabler, not a replacement: Transition periods create opportunity for investment and human-positive augmentation. Examples from healthcare illustrate AI's potential when applied correctly: "We need other people to care for other people. Should we leverage AI so the doctor doesn't have to face away from the patient taking notes? Yes, ambient scribing is wonderful." Emphasizes building AI around real human use cases and avoiding over-automation: "What are the true use cases for it that make a ton of sense versus the ones we need to stay away from?" History and parallels with autonomous vehicles illustrate the delay between hype and full implementation: Lyft/Uber example: companies predicted autonomous vehicles as cost drivers; the transition opened up gig work: "I was a gig worker long before that was a term… the conversation around benefits and portability is still ongoing." AI will similarly require time to stabilize and integrate into workflows while creating new jobs. Bias, Structural Challenges, and Real-World AI Experiments Discusses the importance of addressing systemic bias in AI and tech: Shares the LinkedIn "#WearThePants" experiment: women altered gender identifiers to measure algorithmic reach: "They changed their picture, in some cases changed their names… and got much more massive reach." Demonstrates that AI can perpetuate structural biases baked into systems and historical behavior: "It's not just about building AI that's unbiased; it's about understanding what the algorithm might learn from centuries of entrenched behavior." Highlights the ongoing challenge of designing AI to avoid reinforcing existing inequities: "Now you understand the deeply structural ingrained issues we need to solve to not continue to compound what is already massively problematic." Parenting, Durable Skills, and Resilience Focus on instilling adaptability and problem-solving in children: "I refuse to problem solve for them. If they forget their homework, they figure it out, they email the teacher, they apologize the next day. I don't care. I don't help them." Emphasizes allowing children to navigate consequences themselves to build independence: "If he forgets his flute, he forgets his flute. I am not making the extra trip to school to bring him his flute." Everyday activities are opportunities to cultivate soft skills and confidence: "I let them order themselves at the restaurant… they need to look the waiter in the eye and order themselves… you need to speak more clearly or speak loudly." Cultural context and exposure shape learning: Practices like family meals without devices help children appreciate attention, respect, and communication: "No iPad or iPhone on our table… we sit properly, enjoy a meal together, and talk about things." Travel and cultural exposure are part of teaching adaptability and perspective: "We spent some time in France over the summer… the mindset they get from that is that meals matter, and people operate differently." Respecting individuality while fostering independence: "They are their own people and you need to respect that and step away… give them the ability to figure out who they are and what they like to do." Parenting as a balance of guidance and autonomy: "Feel like that was a handbook that you just offered for parenting or for management? Either one. Nobody prepares you for that… part of figuring out." Future of Work and Technology Horizons Timeframes for predicting trends: Focus on a 5-year horizon as a middle ground between short-term unpredictability and long-term uncertainty: "Five years feels like this middle zone that I'm kind of guessing in the haze, but I can kind of see some odd shapes." Short-term (6–18 months) is more precise; long-term (10–15 years) is harder to anticipate: "I'm a breezy investor. Six months at a time max… deal making between two people still matters in 18 months." Identifying emerging technologies with latent potential: Invests in technologies that are ready for massive impact but haven't yet had a "moment": "I like to look at technologies that have yet to have a moment… the combo of VR and AI is prime." Example: Skill Maker, a VR+AI training platform for auto technicians, addressing both a labor shortage and outdated certification processes: "We are short 650,000 auto technicians… if you can train a technician closer to a month or two versus two years, I promise you the auto shops are all over you." Focuses on alignment of incentives, business model innovation, and meaningful outcomes: "You train people faster, even expert technicians can benefit… earn more money… right, not as meaningful to them and not as profitable otherwise." Principles guiding technology and investment choices: Solving enduring problems rather than temporary fads: "What is a problem that is still not going to go away within the next 10–15 years?" Ensuring impact at scale while creating economic and personal value for participants: "Can make a huge difference in the lives of 650,000 people who would then have good paying jobs." Scaling, Incentives, and Opportunity Re-examining traditional practices and identifying opportunities for change: "If you've done a very specific thing the exact same way, at some point, that's prime to change." Telehealth is an example: while helpful for remote access, it hasn't fundamentally created capacity: "You're still in that one-to-one patient's relationship and an hour of your time with a provider is still an hour at a time." Next version of telehealth should aim to scale care beyond individual constraints: "Where do we take telehealth next… what is the next version of that that enables you to truly scale and change?" Incentives shape outcomes: "Thinking through that and all the incentives… if I were to change the incentives, then people would behave differently? The answer very often is yes, indeed." Paraphrasing Charlie Munger: "Look for the incentives and I can tell you the outcome." Founders, Pitching, and Common Mistakes Pet peeves in founder pitches: Lack of research and generic outreach is a major turn-off: "I can really quickly tell if you have indeed spent a fraction of a minute on my site… dear sir, automatic junk. I won't even read the thing." Well-crafted, thoughtful cold inbound pitches get attention: "Take some time. A well crafted cold inbound will get my attention… you don't need to figure out an intro." Big mistakes entrepreneurs make: Hiring too early, especially in sales: "Until you have a playbook, like don't hire a sales team… if you don't have about a million in revenue, you're probably not ready." Raising too much capital too quickly: "You get into that, you're just gonna spend a lot more time fundraising than you are building a company." Comparing oneself to others: "You don't know if it's true… there's always a backstory… that overnight success was 15 years in the making." Sales Strategy and Non-Sales Selling Approach is contrarian: focus on conversion, not volume: "It is not a numbers game. I think it's a conversion game… I would much rather spend more time with a narrower set of targets and drive better conversion." Understanding fit is key: "You gotta find your people… and just finding who is not or should not be on your list is equally valuable." Recognizes that each fund and business is unique, so a tailored approach is essential: "The pitch is better when I'm talking to the quote unquote right people in the right place about the right things." Where to Find Virginie and Her Work Resources for listeners: Full Circle Fund: fullcirclefund.io  Work in Progress: workinprogress.io  LinkedIn: Virginie Raphael  Where to Access Snafu Go to joinsnafu.com and sign up for free.  

You just Unlocked Free Access to my VIP Mentoring - https://bit.ly/4biddenknowledgeacademy - Earn Prizes, Shares and Tap into Your Highest Potential! Make 2026 your Best Year Ever!Billy Carson reveals how the quantum mirror and brain heart coherence unlock timeline jumping — shifting into parallel realities where your manifestations already exist. Forget basic affirmations; the universe reflects coherent vibration + aligned action, not just positive thinking.This powerful talk blends quantum science, ancient Sumerian wisdom, and practical manifestation: the quantum mirror responds to your dominant frequency, while every decision fractures timelines, creating parallel universes. Learn why incoherence causes haphazard results, how action multiplies conscious thought to trigger timeline jumping, and techniques to raise vibration for unstoppable shifts.

You just Unlocked Free Access to my VIP Mentoring - https://bit.ly/4biddenknowledgeacademy - Earn Prizes, Shares and Tap into Your Highest Potential! Make 2026 your Best Year Ever!Billy Carson reveals how the quantum mirror and brain heart coherence unlock timeline jumping — shifting into parallel realities where your manifestations already exist. Forget basic affirmations; the universe reflects coherent vibration + aligned action, not just positive thinking.This powerful talk blends quantum science, ancient Sumerian wisdom, and practical manifestation: the quantum mirror responds to your dominant frequency, while every decision fractures timelines, creating parallel universes. Learn why incoherence causes haphazard results, how action multiplies conscious thought to trigger timeline jumping, and techniques to raise vibration for unstoppable shifts.

Shares in Southwest Airlines (LUV) saw 2022 highs after hitting turbulence through most of 2025. JPMorgan issuing a double upgrade for the stock helped lift momentum. Rick Ducat offers a closer look at Southwest's performance against peers to show how much the stock has soared. He highlights key levels to watch in the chart and takes a glimpse into Southwest Airlines' options activity. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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 – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

You just Unlocked Free Access to my VIP Mentoring - https://bit.ly/4biddenknowledgeacademy - Earn Prizes, Shares and Tap into Your Highest Potential! Make 2026 your Best Year Ever!

You just Unlocked Free Access to my VIP Mentoring - https://bit.ly/4biddenknowledgeacademy - Earn Prizes, Shares and Tap into Your Highest Potential! Make 2026 your Best Year Ever!

Janury 8, 2026Have you had your dose of The Daily MoJo today? Download The Daily MoJo App! "The Debt Crisis Con Job | The Daily MoJo Ep:010826"Indictments reveal missing funds in California and an investigation into Minnesota's governor, Tim Walz, amid claims of fraud during the Trump administration. A court case involving Nick Reiner, charged with murdering his parents, unfolds with notable courtroom developments. Economic discussions highlight rising national debt and its potential catastrophic effects, while a new law in New York City raises concerns about property rights. The narrative also explores themes of sexuality in vampire lore and modern romance literature, reflecting on cultural trends and societal views.Phil Bell's Morning Update Property rights in New York just went commie-style!:  HEREBrandon Morse - Redstate Author & host of The Brandon Morse YouTube channel-  Shares some disturbing stories about milking tables and Minotaurs!Brandon's LinktreeOur affiliate partners:Be prepared! Not scared. Need some Ivermection? Some Hydroxychloroquine? Don't have a doctor who fancies your crazy ideas? We have good news - Dr. Stella Immanuel has teamed up with The Daily MoJo to keep you healthy and happy all year long! Not only can she provide you with those necessary prophylactics, but StellasMoJo.com has plenty of other things to keep you and your body in tip-top shape. Use Promo Code: DailyMoJo to save $$Take care of your body - it's the only one you'll get and it's your temple! We've partnered with Sugar Creek Goods to help you care for yourself in an all-natural way. And in this case, "all natural" doesn't mean it doesn't work! Save 15% on your order with promo code "DailyMojo" at SmellMyMoJo.comCBD is almost everywhere you look these days, so the answer isn't so much where can you get it, it's more about - where can you get the CBD products that actually work!? Certainly, NOT at the gas station! Patriots Relief says it all in the name, and you can save an incredible 40% with the promo code "DailyMojo" at GetMoJoCBD.com!Romika Designs is an awesome American small business that specializes in creating laser-engraved gifts and awards for you, your family, and your employees. Want something special for someone special? Find exactly what you want at MoJoLaserPros.com  There have been a lot of imitators, but there's only OG – American Pride Roasters Coffee. It was first and remains the best roaster of fine coffee beans from around the world. You like coffee? You'll love American Pride – from the heart of the heartland – Des Moines, Iowa. AmericanPrideRoasters.com   Find great deals on American-made products at MoJoMyPillow.com. Mike Lindell – a true patriot in our eyes – puts his money where his mouth (and products) is/are. Find tremendous deals at MoJoMyPillow.com – Promo Code: MoJo50  Life gets messy – sometimes really messy. Be ready for the next mess with survival food and tools from My Patriot Supply. A 25 year shelf life and fantastic variety are just the beginning of the long list of reasons to get your emergency rations at PrepareWithMoJo50.comStay ConnectedWATCH The Daily Mojo LIVE 7-9a CT: www.TheDailyMojo.com Rumble: HEREOr just LISTEN:The Daily MoJo ChannelBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-daily-mojo-with-brad-staggs--3085897/support.

Shares of defense contractors jumping after President Trump says he wants to increase defense spending by 50% to $1.5 trillion in 2027. The President also adding he wants defense companies to cut dividends and share buyback programs. Then, the U.S. Federal Housing Director Bill Pulte responds to the President's plan to try and ban large investors from buying single family homes. And Google announcing it will use Gmail users' full email history as part of some new AI tools unless you manually opt out. That story, this hour. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover the world's earliest known system of astrology• Explores ancient Mesopotamian astrology, which originated with those who created Göbekli Tepe, and details the system's eighteen zodiac signs• Shares the author's decades-long research to decipher the meanings and characteristics behind each of the original eighteen signs• Shows how the original zodiac can enrich and expand our understanding of astrology, personal relationships, and our sense of self and destinyToday the zodiac is divided into twelve signs through which the sun appears to travel in a year. A person's sign can influence their personality, physical characteristics, and fate. However, in ancient Mesopotamia, the first zodiac was divided into eighteen signs—different from the Western and Vedic systems in use today. The Original Zodiac reveals, for the first time in more than 4,000 years, this earliest known system of astrology.The original Mesopotamian zodiac offered very different birth signs, including the Serpent, Swan, Crane, Horse, Wolf, and Eagle. This zodiac was recorded on a clay tablet that is now housed in the British Museum, cataloged as BM 86378, but there is no written record of how these signs were interpreted. Now, after decades of intensive research, Graham Phillips reveals the meanings of these mysterious signs and their relevance for our times.To determine what traits might be shared by those born in each sign of the original zodiac, Phillips comprehensively surveyed hundreds of volunteers from diverse backgrounds. He measured each participant's likes, dislikes, hobbies, habits, employment, health information, and other pertinent aspects of their lives and identities. Not intended to replace or challenge our traditional understanding of astrology, his findings offer an original system to enrich our current knowledge of the personality, character, and destiny of those born in each of its enigmatic signs.Graham Phillips is one of Britain's bestselling nonfiction authors. A former radio journalist and broadcaster for the BBC, and founder of Strange Phenomena magazine, he is a historical investigator of unsolved mysteries. The author of many books, including The Templars and the Ark of the Covenant, The Lost Tomb of King Arthur, The End of Eden, and Atlantis and the Ten Plagues of Egypt, he lives in the Midlands of England.https://www.grahamphillips.net/Become a supporter of this podcast: https://www.spreaker.com/podcast/earth-ancients--2790919/support.

Welcome to the first podcast of 2026 where Roger and Pete answer more of your varied and interesting questions, covering everything from what to do when you've maxed out your pension and ISA, to whether you should borrow on your mortgage to invest! Shownotes: https://meaningfulmoney.tv/QA37   01:30  Question 1 Hello to Roger and his trusty sidekick Pete, Only kidding Pete, but it will make Roger feel good briefly. I must credit the pair of you for your continued dedication and commitment to educating the wider population on all things financial.  I have gone from strength to strength in planning my retirement with the guidance and abundance of free information you have provided, the books you have written Pete, as well as signing up to the Meaningful Academy Retirement Planning and now planning to retire several years earlier than originally intended. Using the information provided and learnt, I have got my finances in order but more importantly, that decision is to align my future life (and that of my wife) to the finances we need and when our needs are likely to be met, hence the realisation retirement is not as far away as we had originally perceived, so I really appreciate what you have done for me and my family. My question maybe very simple, but it was sparked during a previous Q&A session Listener Question – episode 20 - 30th July – Question 2 – The question surrounded company Shares. I am employed by BAE and I purchase company shares each month, partially as a sensible Tax saving being a higher rate tax payer (purchase them pre Tax) but also for the first £75 worth each month I buy each month, the company will match, so effectively £150 worth of shares which technically costs less than £50 in real money each month.  Now whilst I do sell some shares along the way (after the 5-year maturity to avoid tax payment), I continue to have a reasonable amount invested (£35k subject to tax relief period on some). A statement you made during the above session was "as a sideline issue we tend to say to people that investing in shares for the company you work for is a bad idea at any scale, thus to avoid backing one horse and it's not a good idea to hold onto shares for a company you work for." Now I thought I was onto a winner and being tax efficient and building an amount of money which I tap into on an occasional basis as well as additional source of income once retired, but are you implying, as you did to that listener, I might consider cashing some in and transferring the money else where? Perhaps in this instance it is suffice leaving it there, as the examples you gave were for smaller companies (in comparison) that folded, whereas BAE one of the larger Defence industry companies, doesn't appear to be going anywhere soon?  I do have a Royal Naval DB pension already paying out, as well as a part DB and part DC pension with BAE (continuing to build), so I'm not reliant upon the money, which is another factor why I've not considered moving them away or am I doing myself a bad deal, id value your opinions (not advice ha ha)? Thank you for your time Regards, John 08:02  Question 2 I'm 39, a basic rate taxpayer and I have a Lifetime ISA and a SIPP with HL. Can I save for retirement in my Lifetime ISA and invest in the same funds as my Pension after receiving the 25% bonus to achieve similar growth. Then at age 60, withdraw all that money tax free and pay it into my pension (up to my allowances and possibly using previous years) to gain the 20% tax relief just before I draw the pension? I would also save some money on platform fees as the LISA is 0.25% vs the SIPP at 0.45%. I know I can get cheaper platforms elsewhere but I find HL easy, intuitive, and feel like I can trust them with my money, which really encourages me to save in the first place. Thanks, Robert 13:40  Question 3 Hi Pete and Roger, Longtime fan and listener, thanks for all the great work you do! I'm 40 years old and a member of the LGPS DB pension scheme, which I've been paying into since my early 20s. My partner is also in a DB scheme (Central Government). We have no debt other than our mortgage. We currently live in a modest home we bought for £89k, but are thinking about upgrading to a bigger property for more space and comfort (no plans to have children). That said, we've enjoyed the low cost of living here. We've built up around £160k in savings, split roughly 40% in a Stocks & Shares ISA and 60% in Premium Bonds and cash. I've tried to keep the ISA intact as a form of flexibility/security around retirement, potentially to retire early or reduce hours in the future. The dilemma is: 1. Do we spend most of the savings on a better house and accept working longer? 2. Or do we stay where we are, keep our financial flexibility, and potentially one of us works less or retires earlier? 3. Or is there a sensible middle ground, spending some of the cash to improve our living situation while still preserving part of our financial cushion for future flexibility? We're just trying to balance quality of life now with freedom and options later, and would love to hear your take on it. Is there anything else we haven't thought about? Thanks so much for your thoughts! Gez   19:25  Question 4 Hi Pete and Rog, big fan of the show and I appreciate the helpful topics you cover. I am currently going through a remortgage and am extracting equity from our house to invest. The new mortgage rate is around 4% and our LTV will be around 80%. The additional monthly costs are within our budget too. My strategy is to invest the extracted amount in a stocks and shares ISA with my wife, utilising the £20k allowance each per tax year. This will be invested into globally diversified index funds. I have ran calculations on how much I will be paying in additional interest vs how much is probable from stock market returns. Over 25 years, the additional interest paid on £50k extracted at 4% is £29k Over 25 years, having invested £50k, I would need to return 1.84% to break even from this deal. This is due to the way mortgages are amortised via repayment vs the investments compounding positively. With conservative returns of 7% used, this will net £236k of interest. Am I missing anything here? Keep up the great work and I'm very interested to hear whether you have done this in the past. Stephen 26:40  Question 5 Hi Pete and Roger, Recent discoverer and now big fan of the show here - I have now caught up on all the Q&A episodes and am continuing to work my way through the back catalogue: a lot of material! My questions centre on tax-efficient options once ISAs and pensions are maxed out, and how to "bridge" savings if retiring before pension-age. I am 36, married and have 2 young daughters who are the apple of my eye. We have a very manageable mortgage and I benefit from a very well paid job. However, an extremely stressful period last year sent me on the track of better understanding personal finance (and ultimately finding you) in order to achieve financial independence and not need to tolerate that kind of situation ever again, as well as be free to dedicate my time and energy to things without worrying about how much money they pay. 1) I am trying to get to functional financial independence (i.e. paid work is entirely optional) as soon as possible - I now max out my annual pension and ISA allowance each year and am likely to continue to in the future. Are there any other normal vehicles I can use for additional saving and investing? Giving money to my wife to use her ISA allowance? Anything else? I don't want to overpay the mortgage for the next several years as we managed to get a fixed rate that is below the current rate of inflation. 2) I have a good understanding of our essential and discretionary spending, and with a conservative annualised rate of return I could theoretically stop contributing to my pension pot in the next 7ish years and compounding would mean it would be big enough to fully support us once we can access it. My question is - is there a good rule of thumb or approach for working out how much I need to save outside the pension if I wanted to stop working for money before 57? Is it just a case of working out # years x expenses or is there anything more sophisticated to it? 3) bonus question - feel free to cut if it doesn't fit: I'm familiar with the idea of asset allocation and rebalancing to "smooth the ride" for my portfolio. Most things I've read or listened to have focused on equities vs. bonds. When I was looking at a number of bond indexes recently the returns have been pretty flat, often 4% from a cash ISA, what's the point of the bonds? Am I missing something? Thanks so much for all the knowledge you put into the world, giving people the tools to look after themselves. The chat is pretty great too! Kind regards, Martin 37:18  Question 6 Hello Pete & Roger Thank you for your fantastic materials, so well explained. We're 62. We already have a standard pension pot Annuity and we have around £300,000 in savings in building society accounts. (We value peace of mind over the potential for big gains, so we're not really considering stocks and shares). We're wondering whether, rather than rely entirely on savings accounts, it would make sense to use a Purchase Life Annuity. With current annuity rates, it looks like that's a Yes, so we're curious what your expert view is on this. We're aware of the downside: that it leaves us without much of a savings pot for any unexpected very large need. Have watched the Annuities: Back from the dead? video - https://www.youtube.com/watch?v=alTTzrd2NbY -  which talked about buying an annuity with pension, but in our case it would be Purchase Life Annuity, so does that make a difference when purchasing an annuity? Thank you again! Moira  

Send us a textThis week, our returning guestis  Lars from Adventure Outpost.  Lars discusses some of the paddling opportunities on the Ocklawaha River during the drawdown of the Rodman pool.  Also, Patrick Connolly (from our previous Torreya Hike Episode) joins us as well.To book a tour with Lars go to https://adventureoutpost.net/ and see his calendar of guided paddles.Please subscribe! Shares and reviews are much appreciated!Get your FREE sticker from the Florida Springs Council and sign up to be a springs advocate at https://www.floridaspringscouncil.org/madcapsQuestions and comments can be emailed at thefloridamadcaps@gmail.comRyan can be found on Instagram at: https://www.instagram.com/the_fl_excursionist/Chris and Chelsey can be found at https://www.instagram.com/sunshinestateseekers/?hl=en

In this episode, explains how stress is not only a mental experience but a physical one that shows up in your gut, hormones, and immune system. Emphasizes that the body follows the mind, and that chronic stress pushes the body into survival mode, blocking healing—even if you're taking high-quality supplements. Shares simple, practical tools to regulate your nervous system, including breathwork, nature time, and naming your emotions, so you can move from survival into a state where true healing is possible.   Key Points: Stress lives in the body, not just the mind Chronic stress disrupts digestion and gut microbiome Stress increases systemic inflammation Prolonged stress weakens thyroid, hormones, immunity Supplements alone can't heal a stressed-out body Mindset work is foundational for real healing Regulate your nervous system while you supplement Use affirmations to shift perception and state Breathwork is a core tool to calm the body Morning slow, intentional breathing sets the tone for the day Improved heart rate variability linked to slow breathing Spend time in nature to reduce stress load Name your emotions ("I feel overwhelmed/anxious") Labeling emotions calms the amygdala (fear center) We don't heal by just pushing harder Healing happens in a safe, de-stressed state The body follows what the mind believes and repeats Seek support and help; don't carry it all alone Use breath, movement, and nature to support your nervous system Connect with Anna: Email: annamarie@happywholeyou.com / info@HappyWholeYou.com Website: www.happywholeyou.com / https://linktr.ee/happywholeyou Personal Website: www.DrAnnaMarie.com Instagram: @happywholeyou Personal Instagram: @Dr.Anna.Marie Facebook: Happy Whole You LinkedIn: Anna Marie Frank Venmo: @happywholeyou

Back from a small break' Taking the holidays weeks off was a blessing and took the opportunity to invest directly into the hearts of my kids and family! Thank you all for understanding' But… God wants us to continue working, continue hustling and continue healing! To spread the love, peace and joy of JesusChrist.  On this weeks episode we welcome a good good good friend, Asunción Romo aka “Chon” Chon is a man that not only is intelligent boon wise, but is also genius because he believes not fully understanding that LOVE is the best thing in this world! And who is Love?? My brother share insight in getting regularly check ups from doctors and health providers of all kind. Why? Because we all think… “that won't happen to me” until it does.  He opens up about losing a mother and a sister. Shares he's beautiful love story and how  Any questions you may have for my guest or myself, please ask, reach out, comment, email, DM… (just ask, stop letting fear stop you) My email is Themaceffect19@gmail.com for all questions and inquiries. You are not alone; We share together, walk together and heal together' To say thank you; it feels like it comes short, but I know if you watch or listen with love and support… you feel my Thank you!! #Themaceffect #maceffect #mac #mikecampos6 #god #love #hope #faith #joy #question #hurtpeople #hurt #healing #healpeople #healingmind #healingbody #heartofgold #healingspirit #morals #chorebelieves #growingpain #thewilltofight #keepgoing #youhavepurpose #awakening #understanding #building #fundamentals #ihaveaquestion #iwanttolearn #growing #growingpains #letsgetitright #nottoday #nottodaysatan #jesuschrist #inJesusname #lovealwayswins #peace #letsgetit #testing #learning #process #developing #maturing #fatherhood #motherhood #husband #wife #partnership #equals #tildeath #god #processing #process #guest #podcast #shorts #growth #development #growth #purpose #will #plans #goals #challange #opportunity #welcoming #bringit #letgoletgo #lakersin5 

In this first 2026 episode of the Optimal Body Podcast, doctors of physical therapy Dr. Jen and Dr. Dom discuss Jen Health, Dr. Jen's platform for sustainable health and pain management. They explore how pain is multifactorial, debunk common movement myths, and emphasize empowerment through education and movement quality. The hosts share user success stories, highlight Jen Health's diverse plans—mobility, stability, core, mindset, and strength—and stress the importance of consistency and community. The episode encourages listeners to move confidently, understand their bodies, and use Jen Health as a supportive tool for long-term well-being.LMNT Electrolytes: Free Gift with Purchase!Stay hydrated and energized with LMNT electrolytes—sodium, potassium, and magnesium for brain and body. It's our favorite micro nutrition hack to get those essential minerals in! Get a free gift with every purchase and try new flavors! Get your Free Gift now!Free Week of the Jen Health Membership:Get a free week of Jen Health Membership! Access 12 plans crafted by Doc Jen, PT. We'll match you with the best plan for your goals. Check it out today and use code OPTIMAL for a discount on your first month!We think you'll love:Free Week Jen HealthJen's InstagramDom's InstagramYouTube ChannelWhat You'll Learn:00:29 Explains Jen Health's mission to empower people to move out of pain and improve movement quality.02:39 Addresses common fears about structural diagnoses and how Jen Health helps reframe these beliefs.04:23 Talks about conflicting provider advice, monthly educational webinars, and empowering self-assessment.07:27 Contrasts passive, short-term treatments with Jen Health's active, sustainable approach.08:54 Emphasizes Jen Health's focus on abilities and building confidence, not restrictions.12:26 Explains how Jen Health complements physical therapy and details plan components like core, mindset, and breathwork.14:33 Discusses the challenge of consistency and how Jen Health fosters accountability and community.17:15 Identifies key user groups: busy individuals, those seeking solutions, and older adults.20:03 Shares user stories about improvements in pelvic floor...For full show notes and resources visit https://jen.health/podcast/442 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Markets give their verdict on America's dramatic military intervention in Venezuela. Shares of US oil giants like Chevron and Exxon Mobil are soaring... after President Trump suggested they can play a lead role in restoring Venezuela's oil industry But there's been criticism from China and Iran - traditional allies of Venezuela - and from Spain, which is home to an estimated 600,000 Venezuelans many who have fled the economic troubles in their home country.We speak to a former US ambassador to Venezuela, Patrick DuddyAnd – you may have heard of South Korea's K-Pop phenomenon…we look at how K-Beauty is now taking centre stage.Presenter - Leanna Byrne Senior Producer - Craig Henderson

If NO is your first response...And if NO is a "one step process"...You are most likely denying your dreams and your divinity.Mr Twenty Twenty who has been teaching Neville Goddard stuff for 30 years..... Shares a simple 3 step that will blow your mind...And change your life...Listen closely... Play wildly....And join us in https://ManifestingMasteryDeluxe.com

Government Waste and Reform Musk discusses shocking inefficiencies in the U.S. federal government, such as: Excessive software licenses and media subscriptions (often double the number of employees). Duplicate credit cards and unexplained payments. Fraudulent NGO funding (e.g., billions allegedly misused). He emphasizes that the government is essentially run by computers and that reform requires direct access to payment systems and databases. DOGE Initiative A program Musk is involved in aimed at cutting waste and fraud. Targeting fraudulent entitlement payments and political corruption. Political Commentary Musk reflects on his shift from being celebrated by the political left (due to Tesla and SpaceX) to being vilified, attributing it to his efforts to expose waste and fraud. Mentions death threats and organized attacks against Tesla infrastructure, allegedly funded by left-wing organizations. AI and Robotics Predicts that within 10 years, AI will surpass human cognitive abilities. Foresees billions of humanoid robots and near-total automation of transportation. Warns of a 10% chance of AI-driven catastrophic scenarios within a decade. Space Exploration Discusses plans for Mars colonization: First human landing by 2029 (best case). Goal: a self-sustaining city on Mars within 20 years. Challenges: recreating Earth’s industrial base on Mars. Shares personal motivation rooted in expanding human consciousness and ensuring civilization’s survival. Personal Insights Talks about his work ethic (averages 6 hours of sleep, works almost constantly). Early struggles: living in an office, showering at YMCA during his first startup. Views on intellectual property: “Patents are for the weak”—prefers open innovation. Cultural References Lighthearted discussion about Star Wars vs. Star Trek, movies, and pop culture. Mentions his first video game (Blastar) and lifelong fascination with space. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Industrial Talk is onsite at SMRP 2025 and talking to Greg Perry, Sr. Maintenance Reliability and CMMS Coach at Fluke about "Actualize Intelligence in Asset Management". Greg Perry discussed the importance of humanization in Industry 5.0, emphasizing the need to integrate actualized intelligence with artificial intelligence. He highlighted the significance of mapping workflows and the symbiotic relationship between people, processes, and technology. Perry shared insights from his 25 years of experience in computer maintenance management, stressing the importance of continuous improvement and learning. He also touched on the challenges of inspiring the next generation of asset management professionals and the role of community practice in peer review. The conversation concluded with a call to action for industry professionals to stay engaged and adapt to rapid technological changes. Action Items [ ] Publish Gregory Perry's contact information on the Industrial Talk website so listeners can reach him (post contact details on the episode page).[ ] Make LinkedIn profile available as the primary contact channel for Gregory Perry so listeners can connect directly. Outline Introduction of New Podcasts Scott introduces three new podcasts: "Ask Molly," focused on marketing and sales, "Business Beatitudes," on leadership virtues, and "The Human Patch," on cybersecurity.Emphasizes the importance of staying current in marketing and sales, and the unique approach of "Business Beatitudes" on leadership from the heart."The Human Patch" aims to highlight the human element in cybersecurity, working with Farah Barcelona. Welcome to Industrial Talk Podcast Scott welcomes listeners to the Industrial Talk Podcast, celebrating industry professionals and their contributions.Highlights the importance of the SMRP event for asset management, maintenance, and reliability professionals.Introduces Greg Perry, a legend in the industry, and sets the stage for their conversation.Greg Perry humorously clarifies his name, preferring to be called Greg. Greg Perry's Experience and Insights Greg Perry shares his 25 years of experience in attending and speaking at conferences, describing SMRP as a homecoming for the maintenance, reliability, and asset management community.Emphasizes the importance of understanding customer needs and the value of face-to-face interactions at events like SMRP.Scott and Greg Perry discuss the excitement of meeting people from various industries, such as a company that manufactures pasta.Greg Perry uses a metaphor to describe his appetite for learning and staying engaged in the industry. The Importance of Mapping Workflows Greg Perry explains the importance of mapping workflows and understanding the fundamentals of people, process, and technology.Shares an example of an engagement where a team had to map out their workflows to understand inefficiencies and improve their processes.Highlights the need for continuous improvement and learning, and the importance of not faking it till you make it.Discusses the symbiotic relationship between people, process, and technology, and the need for alignment. Challenges and Opportunities in Industry 5.0 Scott and Greg Perry discuss the challenges of inspiring the next generation of asset management professionals.Greg Perry emphasizes the importance of humanization in Industry 5.0 and the need to break down silos and connect pockets of excellence.Highlights the role of actualized intelligence versus artificial intelligence,

Shares of Sable Offshore Corp. (SOC) slipped nearly 50% year-over-year, but the stock started 2026 right with a 30% rally. George Tsilis talks about the court ruling that reignited a bull run for the energy company. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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 – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

It's Witness Wednesday! On today's episode, Todd Friel engages everyday people on the street in downtown Minneapolis. Touching on issues like morality, sin, and the afterlife, Todd challenges each of the people he meets to examine their soul in light of the God that created them. Pointing them continually to the gospel, he leaves them with hope of a savior in Christ. Segment 1 • Jordan flat-out rejects God, heaven, and hell, calling it all a big fairy-tale. • Admits he'd have a "box seat with Hitler" in hell, showing zero concern for his soul. • Jordan listens as Todd presents design/creator logic, but shrugs it off. Segment 2 • Lindsey claims she's going to heaven because she's “good,” even after confessing to sin. • She believes God forgives “little things” but draws the line at serious crimes. • When reminded that Jesus died for sins, she pivots. Segment 3 • Erin knows Christian doctrine from Catholic school but admits to rarely reading the Bible. • Compares her spiritual walk to ignoring a boyfriend's love letters. • Struggles with the idea of “begging” for mercy but concedes the logic when it's likened to pleading for forgiveness in a broken relationship. Segment 4 • Garrett proudly wears a tattoo of “Agape” (God's love) and articulates core gospel truth clearly. • Shares how drugs and partying failed to satisfy. • When pressed, he affirms he didn't believe just to make life better—but to be saved from “the wrath that is to come.” ___ Thanks for listening! Wretched Radio would not be possible without the financial support of our Gospel Partners. If you would like to support Wretched Radio we would be extremely grateful. VISIT https://fortisinstitute.org/donate/ If you are already a Gospel Partner we couldn't be more thankful for you if we tried!

• Explores in depth the medicinal and magical properties of the many herbs, barks, and berries associated with the Christmas and Yuletide season• Looks at the origins of the Christmas tree and Santa Claus, as well as female gift bringers, holiday Spirits, and Yuletide animals• Shares crafts such as how to make a Yule Log, practices such as Winter Solstice divinations, and recipes for traditional foods and drinksFor millennia cultures have taken time out to honor the darkest days of the year with lights, foods, and festivities.In ancient Egypt, people decorated their homes with greenery at the festival of the rebirth of the God Horus. The ancient Romans shared gifts, especially candles, at the midwinter festival of Saturnalia. In Scandinavian and Germanic cultures, the Yule Log was burned in the hearth, fruit orchards were wassailed, and sheaves of wheat were displayed to carry luck into the New Year. In Celtic cultures, mummers and guisers went door to door, and European mistletoe (Viscum album) was gathered by Druids as a medicinal and magical aid.Ellen Evert Hopman shares folklore, recipes, rituals, and crafts to enliven your Yuletide observance. She explores the origins of the Christmas tree and Santa Claus as well as holiday Spirits and Yuletide animals. She explains how to perform Winter Solstice divinations and make traditional foods and drinks such as Elizabethan gingerbread cookies and Wassail. And she looks in depth at the medicinal and magical properties of the many herbs, barks, and berries associated with the Christmas and Yuletide season such as Frankincense and Myrrh, Cinnamon, Nutmeg, Hibiscus, Bayberry, and many more. This guide offers practical and magical ways to celebrate and honor the darkest days of the year.Ellen Evert Hopman is a master herbalist and lay homeopath, who has been a Druidic initiate since 1984. She is a founding member of the Order of the White Oak, the Archdruidess and founder of Tribe of the Oak, a former professor at the Grey School of Wizardry, and a member of the Grey Council of Mages and Sages. She is the author of Celtic herbals and Druid novels, including Secret Medicines from Your Garden, The Sacred Herbs of Samhain, and Once Around the Sun: Stories, Crafts, and Recipes to Celebrate the Sacred Earth Year. She lives in Massachusetts.https://elleneverthopman.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/earth-ancients--2790919/support.

Shares of AXT Inc. (AXTI) hit intraday highs not seen since 2001. The reason? George Tsilis attributes massive recovery to having new value in the AI trade through China, even though AXT is a California-based company. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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 – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Amazon's (AMZN) late October earnings sent the Mag 7 stock to new all-time highs before falling 10% from that record. Shares now trade just over flat year-over-year, and as Rick Ducat points out, faces a key resistance level near the end of 2025. He points out the key bearish and bullish trends to watch and pairs them with Amazon's options activity. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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 – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

In this gripping episode of Sasquatch Odyssey, Fred from Alaska shares two unforgettable encounters from the remote Alaskan backcountry—stories that still stand among my all-time favorites.The first takes us to the Savage River, where Douglas from Anchorage joins a search effort for the missing Mary Wilson. What begins as a somber mission quickly turns unsettling as unexplained sounds echo through the wilderness and Douglas comes face-to-face with something massive, silent, and unmistakably watching him from the shadows.The second encounter unfolds on the Yna River during what was supposed to be a routine trout fishing trip with Chris, Doug, and Fred. The calm of the river is shattered when rocks begin raining down from the treeline, their canoe mysteriously vanishes, and blood-curdling screams erupt in the darkness. Forced into a desperate overnight escape, the men realize they're being stalked by something intelligent, elusive, and terrifyingly persistent.Get Our FREE NewsletterGet Brian's Books Leave Us A VoicemailVisit Our WebsiteSupport Our SponsorsBecome a supporter of this podcast: https://www.spreaker.com/podcast/sasquatch-odyssey--4839697/support.

Patriot games are coming. Larry Ellison in the spotlight. Hi Ho Silver and away! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - CTP Cup - All systems go! 9 participants! - ELON gets his $$$ - Kids account challenge - Patriot games are coming... Markets - Not much headwinds - EOY approaching - Analysts predicting SP500 for 2026 - 7,500 (12% upside) - More Oracle back and forth - Gold and Silver Elon - Elon Musk's net worth surged to $749 billion late Friday after the Delaware Supreme Court reinstated Tesla stock options worth $139 billion that were voided last year - He also recently received a $1T pay plan approval - Jeff Bezos, Mark Zuckerberg, and Jensen Huang combined - His fortune exceeds the GDP of nations like the Netherlands, Saudi Arabia, and Switzerland. - He is richer than every country in Africa by GDP - He is projected by some reports to become the world's first trillionaire by 2027 When did Larry Ellison and Oracle become newsworthy? - Every day in the news.... - Larry Ellison NOW Personally Guarantees Paramount Bid for Warner Bros. - The announcement of Mr. Ellison's personal guarantee is meant to address concerns that the Warner Bros. Discovery's board had expressed about Paramount's original offer. - Helping out sonny-boy? More Oracle - Oracle stock slid after a report that Blue Owl Capital won't back a $10 billion data center for OpenAI. (Michigan) - Oracle has $248 billion in lease commitments for data centers and cloud capacity commitments over the next 15 to 19 years. - Oracle later responded to the FT report, saying the project was moving forward and that Blue Owl was not part of equity talks. EVEN MORE! - Multiple media outlets, including the Associated Press, reported that ByteDance has reached an agreement with Oracle ORCL, Silver Lake, and Abu-Dhabi-based MGX to set up a joint venture for TikTok's US operations. Oracle will hold a 15.0% stake in the new entity, while ByteDance will retain a 19.9% stake. - The important thing her is that TikTok stays as a major tenant of OCI as ORCL needs this cash flow... - Of all of the items, this may be why ORCL stock has bounced te last few days. Congressional Ban - A vote on legislation banning members from owning or trading stocks could get a vote in the new year, according to House leadership and Republican members. - President Donald Trump has said he supports a congressional ban but has pushed back on versions that include the executive branch. - Basically this bill would prohibit the ownership of individual stocks by congress Over to Japan - Bank of Japan raises benchmark rates to highest in 30 years, lifting 10-year JGB yield past 2% - Yen still VERY weak - trading at 157/USD - (problematic) - The BOJ said that real interest rates are expected to remain “significantly negative,” adding that accommodative financial conditions will continue to firmly support economic activity. - The yen weakened 0.25% against the USD after the decision - therefore still dovish and stimulative Economic Numbers - Estimates, partial numbers and best guesses. OH, 2-month averaging as well - The Bureau of Labor Statistics reported that the annual headline inflation rate and core CPI rate for last month were 2.7% and 2.6%, respectively, well below expectations. - Due to government shutdown, BLS to make certain methodological assumptions about the prior month's inflation levels. - Those assumptions in the methodology were not clear to economists and were not fully explained in the release. - Here is a big issue: The price changes in October for the OER (owners equivalent rent) appear to have been “set to zero.”  Sports Prediction Markets - Sports is fueling the growth and is forecasted to make up 44% of volume as prediction markets mature. - According to one expert: the fundamental elements of consumer demand and an array of diverse brands looking to meet that demand are clearly in place - Sportsbooks are getting a bit nervous.... First Dell, then... - Billionaire hedge fund manager Ray Dalio of Bridgewater Associates and his wife, Barbara, committed to seed Trump accounts for approximately 300,000 children in Connecticut. - Following the Dells' pledge, the funds will be aimed at kids who live in a Connecticut ZIP code where the median income is less than $150,000. - The Dalio grant will fund $250 per child for approximately 300,000 children in Connecticut. This applies to children who live in a ZIP code where the median income is less than $150,000. About 87% of Connecticut ZIP codes meet that criteria, according to a CNBC analysis of Census Bureau data. - “Ray has joined what we are calling the 50-state challenge,” Treasury Secretary Scott Bessent said in a press conference on Wednesday. - A growing number of companies have announced they would match contributions to Trump accounts for their employees, including BNY and BlackRock. Patriot Games (Hunger Games?) - Trump announced: The Washington Monument will be illuminated with festive lights, a triumphal arc will be constructed and the “Patriot Games” will commence. The games are an “unprecedented four-day athletic event featuring the greatest high school athletes: one young man and one young woman from each state and territory. - Uhhhhhh "And so it was decreed that, each year, the various districts of Panem would offer up, in tribute, one young man and woman to fight to the death in a pageant of honor, courage and sacrifice. (Hunger Games 2012) - What next - PURGE NIGHT? Fed Pick - Now it seems as if it is a 4 person race... - President Trump says "Nowadays, when there is good news, the market goes down because everybody thinks that interest rates will be immediately lifted"; says "I want my new Fed Chairman to lower interest rates if the market is doing well"; says "Anybody that disagrees with me will never be the Fed Chairman!" San Fran Blackout - Alphabet-owned Waymo resumed its robotaxi service in the San Francisco Bay Area Sunday evening after pausing it amid widespread blackouts that had affected their vehicles' behavior. - Waymo said it worked with city officials throughout the blackout and had “proactively” initiated a temporary suspension of its service. - Interesting point there - what happens when grid disruptions for internet with self-driving Angry Shareholders (For a minute) - Tricolor CEO Daniel Chu directed a deputy to send him $6.25 million in bonuses in August, weeks before the company filed for bankruptcy, U.S. prosecutors alleged. - Subprime autofirm that had alleged fraud - This happens all the time - Big issue to keep alert to is the news about "Subprime" WEED - Trump's executive order shifts cannabis from Schedule I to Schedule III, easing research, banking and tax restrictions and marking the biggest federal cannabis policy change in decades. - Shares of cannabis conglomerates were down following the announcement, likely from worries of new competition from international companies. - NOT legalization - NOT for recreational use... - Banking, Institutional capital ..... OpenAi - Beggars cup continues - OpenAI is in initial discussions to raise at least $10 billion from Amazon.com Inc. and use its chips, a potential win for the online retailer's effort to broaden its AI industry presence and compete with Nvidia Corp. - The deal under discussion could value OpenAI north of $500 billion and see it adopt Amazon's Trainium chip, a person with knowledge of the matter said, asking to remain anonymous to describe private negotiations. - Talks, however, are at a preliminary stage and terms could change, the person added. High Ho Silver and Away! - Silver up 135% YTD - Gold up 70% - Best year since strongest annual performance since 1979 for Gold - 1970's was inflation, USD weakening, Energy crisis. - What is similar/different now? (Big difference is buying up (China, Poland, Turkey, India) Light menu - Darden Restaurants will roll out a new lighter portion entrées menu at all Olive Garden locations in January, the company announced during its quarterly earnings call last Thursday. - Citing affordability: "Olive Garden has seen a double-digit increase in affordability perceptions from guests who order from the lighter portions menu and an increase in frequency among these guests, which should help build traffic over time," Cardenas said. - Sooooo 0 due to high costs, Americans are cutting back on food? - If it were for weight loss, no need for Oliver garden to cut back on portions as most inedible anyway... Copper - Copper prices topped $12,000 a ton for the first time, extending the metal's recent bull run as mine outages add to concerns about supply. - The threat of US import tariffs on the metal has also been an important factor pushing up prices this year, with copper piling up in American warehouses. - Industry analysts have said that much of the richest and most easily accessible mining resources are now exhausted, and experts are warning that the market is on the cusp of a major deficit. Jim Beam - Bourbon maker Jim Beam is halting production at one of its distilleries in Kentucky for at least a year as the whiskey industry navigates tariffs from the Trump administration and slumping demand for a product that needs years of aging before it is ready. - Jim Beam said the decision to pause bourbon making at its Clermont location in 2026 will give the company time to invest in improvements at the distillery. The bottling and warehouse at the site will remain open, along with the James B. Beam Distilling Co. visitors center and restaurant. - The percentage of U.S. adults who say they consume alcohol has fallen to 54%, the lowest by one percentage point in Gallup's nearly 90-year trend. Love the Show? Then how about a Donation? THE CLOSEST TO THE PIN 2025 Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Shares of Intel (INTC) are falling after a Reuters report that Nvidia (NVDA) has stopped testing one of its new chips. Rick Ducat looks at the technical levels on the Intel chart after this year's big rally, and Tom White places an example trade. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

I share why I bought my most expensive domain ever for $1,500 and break down the strategy behind it. I talk about the shift from product development to mastering distribution, especially through SEO. I discuss the difference between active and passive distribution and why owning the right keyword domains can give a huge advantage. I reveal our plan to turn keyword research into a SaaS factory, scaling by ranking for high-traffic, low-competition keywords. Plus, quick updates on Podsqueeze and our ongoing experiments with new products and domains.Timestamps by PodSqueezePodcast Introduction & Christmas Special (00:00:00)Tiago welcomes listeners, reflects on the podcast's four-year journey, and introduces the episode's main topic.The Most Expensive Domain Purchase (00:01:18)Tiago reveals he bought a domain for $1,500, much more than any previous purchase, and sets up the story.Distribution as the Key to Success (00:03:19)Discussion on why distribution, not development, is now the main challenge for digital products.Active vs. Passive Distribution Strategies (00:04:39)Comparison between content-heavy active distribution (social media) and more evergreen passive distribution (SEO).SEO and Its Predictability (00:05:59)Explains the team's focus on SEO, its predictability, and how it drives traffic for their products.Learning from SEO Mistakes (00:07:16)Shares a past mistake of deleting high-traffic pages and how they pivoted to monetize that traffic.Keyword Research and Domain Strategy (00:08:28)Describes their approach to keyword research and the importance of finding high-search, low-competition keywords.The Power of Exact-Match Domains (00:09:50)Examples of how owning the right domain (e.g., podcastshownotes.com, whispertranscribe.com, nanobanana.com) can dominate search rankings.The New Recipe: Find Keyword, Buy Domain, Build Product (00:11:15)Outlines their new strategy: identify keywords, secure the domain, create a product, and repeat.Case Study: VideoQualityEnhancer.com (00:12:41)Details their recent $10 domain purchase for a high-volume keyword and plans to build and rank a product.The $1,500 Domain Negotiation (00:14:02)Story of negotiating and purchasing the audioenhancer.com domain for $1,500, their most expensive domain yet.Reflections on the Investment and Future Plans (00:15:23)Tiago reflects on the investment, the excitement, and the hope that this strategy will pay off.Vision for a SaaS Factory (00:16:38)Shares the vision of building a repeatable process and teams to create, grow, and maintain multiple SaaS products.Closing & Holiday Wishes (00:17:59)Wraps up the episode, invites questions, and wishes listeners a Merry Christmas and relaxing holidays.

Carl Quintanilla and Jim Cramer led off show with the weight loss drug wars: Shares of Novo Nordisk shares surged after the FDA approved the company's Wegovy pill — making it the first oral GLP-1 cleared by regulators for treatment of obesity. ServiceNow CEO Bill McDermott joined the program to discuss his company's deal to acquire cybersecurity startup Armis for $7.75 billion in cash. Hear what McDermott had to say about this year's slump in shares of ServiceNow and other software stocks. Also in focus: Q3 GDP shows 4.3% growth, the AI trade, countdown to Christmas and new data on holiday spending, Tesla gets a big price target boost on Wall Street, the stock that's getting a lift from President Trump's battleship announcement. 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.

2025's portfolio is available at Savvy Trader and was tracked through the entire year. It's done well up 20%. There were mistakes made, but there is only 1 negative stock. Remember - I bought and held and added a couple of stocks in February.This year I used Perplexity and Sidekick to come up with what I hope is a strategy of picking ETF's and individual stocks that with no real effort should outperform the S&P. The full episode is at dailystockpick.substack.com

Carl Quintanilla, Jim Cramer and David Faber explored what to make of an earnings doubleheader: Nike shares tumbled as weak sales in China overshadowed a Q2 beat and strength in North America. What is the status of the company's turnaround plan? Shares of FedEx also down despite better-than-expected quarterly results. The anchors also discussed OpenAI reportedly kicking off a new fundraising round that could value the maker of ChatGPT by as much as $830 billion. Also in focus: Oracle shares in rally mode, Carnival surges on earnings, Fed governor Waller in the mix as President Trump narrows his search for a new Fed chair, what's triggering Bank of America's sell signal.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.

Fr. Michael Hurley joins Patrick to have a Sunday Bible Study Matthew 1:18-24 (7:51) Father shares some background on this passage. (12:49) father Shares this Sunday’s Gospel (18:57) Break 1 What is the betrothal of Joseph and Mary? (26:03) Sandy - Why does it matter that Joseph came from the same line of David when he wasn't the biological father of Jesus. Why does it say Joseph was a righteous man? (36:50) Break 2 Richard - did Mary come from that line as well and where is it written? (39:41) Donna - I had a friend who had said Jesus had brothers. Can you equip me to respond to her? Why is Joseph so important in the Christmas story?

Shares a proven process that has worked for the author as well as thousands of others to communicate with deceased loved onesExplores the use of mediums, past-life and between-life hypnotic regressions, a technique called Induced After-Death Communication, and channeled writingPresents revelations about the soul's life after death, the structure of the afterlife, how karma works, and how to love in the face of painIf you've lost a loved one or had a brush with mortality, you undoubtedly have wondered about life after death—or if it's possible to connect with souls on the other side. After the tragic death of his son, Jordan, the author embarked on a journey for ways to communicate with his son across the veil. He discovered not only successful methods to connect with lost loved ones but also profound truths about the afterlife, the illusion of loss, and how pain is integral to our life purpose.McKay recounts techniques he tried in order to connect with his son, including collecting unusual experiences from family and friends, consulting mediums such as Austyn Wells, undergoing past-life and between-life regressions, engaging in a technique called Induced After-Death Communication, and using channeled writing, which he learned with the help of psychologist Ralph Metzner.The culmination of hundreds of channeled conversations with his son, the author presents revelations about the soul's life after death, the structure and key events of the afterlife, how karma works, why we incarnate, our future as souls, and how to love in the face of pain. As Jordan reveals, nothing is truly lost. The soul is constant and, while pain seems to damage us, the damage is an illusion. Because, as Jordan says, “there is no end; the conversation goes on . . . between all the souls who love each other, living and dead.”Matthew McKay, Ph.D., is a clinical psychologist, professor of psychology at the Wright Institute, cofounder of Haight Ashbury Psychological Services, founder of the Berkeley CBT Clinic, and cofounder of the Bay Area Trauma Recovery Clinic, which serves low-income clients. He has authored and coauthored more than 40 books, including The Relaxation and Stress Reduction Workbook and Seeking Jordan. The publisher of New Harbinger Publications, he lives in Berkeley, California.Become a supporter of this podcast: https://www.spreaker.com/podcast/earth-ancients--2790919/support.

Shares of Oracle take a hit as Blue Owl reportedly won't back the company's $10B data center in Michigan. What it means for the stock as it hits levels not seen since mid-June, and how it's impacting the broader AI trade. Plus Volatility spiking as stocks sell off. What the uptick in stock swings mean for markets heading into year end, and how you can position your portfolio with a new year on the horizon.Fast Money Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

SpaceX IPO coming – huge increase in valuation over past 3 months Happy Hanukah – Eight Crazy Nights Now Kevin AND Kevin PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - Last Chance for CTP Cup 2025 participants - Happy Hanukah - Eight Crazy Nights - Sad News - Rob Reiner - Fed decision is out.... - Overdue eco reports coming this week Markets - Oracle still problematic - SpaceX IPO coming - huge increase in valuation over past 3 months - Another Bankruptcy - cleaning up is not good business - Oh my - Now Kevin AND Kevin - Weight loss game continues - One thing saved for last - a doozie... Tesla -  - All time High - Prospect of Robotaxi - Even though sales hitting multi-year lows Wall Street Never Sleeps? - Nasdaq files to extend trading to 23 hours on weekdays - Banks concerned about investor protections, costs, liquidity, volatility risks of nonstop trading - Proponents argue round-the-clock trading benefits global investors - That may create some additional volatility potential SpaceX - SpaceX aims for a potential $1.5 trillion market cap with an Initial Public Offering in 2026, which could become the largest IPO in history - July 2025 tender valuation was $400B - Dec 14th (4 months later) $800B - Starlink is the primary money winner of this deal - Tesla shares climbing even with nothing behind it - seemingly in sympathy for this IPO ---- TESLA does not have ownership of SpaceX - OH - this could be the reason....U.S. deliveries dropped significantly in November—the lowest since early 2022—but this weakness has been overshadowed by the enthusiasm for autonomy. Rob Reiner - A son of legendary Hollywood director Rob Reiner and his wife, producer Michele Singer Reiner, Nick Reiner, is being held on suspicion of murder following their deaths, according to Los Angeles Police Department Chief Jim McDonnell. He's being held on $4 million bail. - Citing law enforcement sources and family friends, ABC News reported on Monday that Nick Reiner had recently returned to live at his parents' South Chadbourne Avenue home. The move was described as a temporary arrangement intended to help him stabilize. - Not going to discuss the Truth Social post about this tragedy HEADLINE ALERT - "Copper could hit ‘stratospheric new highs' as hoarding of the metal in U.S. continues" - Copper has gone from 5.77 to 5.30 (July to today) - 6 Tops at this price since 2011 - Not seeing this as per the headline - seems like a Hunt Brothers special from the 1980s - CORNERING THE MARKET ---1980 - Silver went from $11 to $50 then crashed, bankrupting the Hunt Bros - after COMEX changed rules forcing them to cover positions Bankruptcy - After 35 years, the maker of the Roomba robot vacuum filed for bankruptcy protection late Sunday night. Following warnings issued earlier this year that it was fast running out of options, iRobot says it is entering Chapter 11 protection and will be acquired by its contract manufacturer, China-based Picea Robotics. - The company says it will continue to operate “with no anticipated disruption to its app functionality, customer programs, global partners, supply chain relationships, or ongoing product support.” - Remember that Amazon  - The Amazon buyout of iRobot, maker of Roomba, was announced in 2022 for $1.7 billion but ultimately failed in January 2024 due to significant regulatory pushback, primarily from the EU, over anti-competitive concerns. -- Amazon walked away with a $94 million termination fee Fed Pick - President Donald Trump said Friday that Kevin Warsh has moved to the top of his list as the next Federal Reserve chair, though Kevin Hassett also remains in contention, according to the Wall Street Journal. - Interesting that this comes days after Hassett said that we would not let outside suggestions influence his voting - ---In addition to putting heavier weight on Warsh getting the job, Trump repeated an assertion he has made in the past that the Fed chair ought to consult the president about interest rate decisions. - Also of interest, prediction markets had Hassett at 95% probability - now it moved to 50% - big payday for people in the know. Housing Prices - Average home price is DOWN on  year-over-year basis - First time on national level since 2024 - Active listings in November were nearly 13% higher than November 2024, but new listings were just 1.7% higher --- Houses are on market longer - - Prices in Austin, Texas, are down 10% from last year; in Denver, they're down 5%, according to Parcl Labs. Tampa, Florida, and Houston both saw prices fall 4%, and Atlanta and Phoenix saw price decreases of 3%. More Hosing Related -  Zillow shares plunged more than 9% on Monday on worries that the online real estate platform could have a big new competitor: Google Search. - Google appears to be running tests on putting real estate sale listings into its search results. Overdue Eco  - Black Hole - The U.S. Bureau of Labor Statistics on Tuesday releases its long-awaited combined employment reports for October and November, but a number of key details will be missing after the government shutdown prevented data collection, including October's unemployment rate, resulting in the first-ever gap in that critical data series since inception in 1948. - NICE JOB GANG! - Some of the data will be estimated. - It said it would not publish the headline CPI number or the so-called core CPI, which strips out the volatile food and energy components, for October. "BLS cannot provide specific guidance to data users for navigating the missing October observations," the agency said. Some Updates - Some info coming in are estimates - some delayed - Unemployment at 4.6% - Latest report shows +64,000 added - ISM Manufacturing and Non-manufacturing - both slowed over the last month The Fed - Meanwhile the Fed cuts rates.... - A Federal Reserve split over where its priorities should lie cut its key interest rate Wednesday in a 9-3 vote, but signaled a tougher road ahead for further reductions. - The FOMC's “dot plot” indicated just one more reduction in 2026 and another in 2027, amid considerable disagreement from members about where rates should head. - In addition to the rate decision, the Fed also announced it will resume buying Treasury securities. The central bank will start by buying $40 billion in Treasury bills, beginning Friday. - Markets were all over the place on this as it was a little confusing at first - then it seemed that everyone loved (for one day) - Why is the Fed moving up Treasury purchases to "immediately" from a few months from now? - AND - dissension ! A larger group  that usual of regional Fed bank presidents signaled they opposed the cut, and six policymakers said the benchmark federal funds rate should end 2025 in a range of 3.75% to 4%, suggesting they opposed the move. - Long bonds have not moved at all on this news. Costco Earnings - Costco beat Wall Street's fiscal first-quarter sales and revenue expectations. - Sales rose 8.2% and digital sales jumped 20.5% compared with the year-ago quarter. - Costco surpassed Wall Street's quarterly expectations and posted year-over-year sales growth of 8.2% as the retailer attracted more digital sales and opened new locations. - Earnings per share: $4.50 vs. $4.27 expected - Revenue: $67.31 billion vs. $67.14 billion expected - Costco does not provide year ahead guidance - Shares down from a recent high of $855 Costco Fun Facts - About 4.5 million pies were sold in the three days before Thanksgiving, which is equivalent to roughly 7,000 pies per warehouse. -  These were bakery pies (e.g., pumpkin, apple), - Costco had more than $250 million in non-food online orders on Black Friday, a record for Costco's U.S. e-commerce business. - Approximately 358,000 whole pizzas were served at Costco's U.S. food courts, a 31% jump from last year. (500 pizza's per store) Fat No More - Retatrutide - Eli Lilly said its next-generation obesity drug delivered what appears to be the highest weight loss seen so far in a late-stage trial and reduced knee arthritis pain, clearing the first of several upcoming studies on the weekly injection. - In a 48-week Phase 2 study, participants on the highest dose lost an average of 24% of their body weight. - Recent Phase 3 results showed patients on the highest dose lost an average of 28.7% of their body weight after 68 weeks. - The trials also showed improvements in related health conditions, including knee osteoarthritis pain, blood pressure, and liver fat - This triple action is what makes retatrutide potentially more effective for weight loss than existing medications like Zepbound (tirzepatide), which targets two receptors, or Wegovy (semaglutide), which targets only one. Paypal - PayPal Holdings Inc. applied to become a bank in the US, looking to take advantage of the Trump administration's openness to financial-technology companies entering the banking system. - The payments-focused firm submitted applications to the Federal Deposit Insurance Corp. and the Utah Department of Financial Institutions to form a Utah-chartered industrial loan company, PayPal said in a statement Monday. - If approved, PayPal Bank would help the firm bolster its small-business lending capabilities, according to the statement, which said the company has provided access to more than $30 billion in loans and capital since 2013. Ford - Management Confused - Instead of planning to make enough electric vehicles to account for 40 percent of global sales by 2030—as it pledged just four years ago—Ford says it will focus on a broader range of hybrids, extended-range electrics, and battery-electric models, which executives now say will account for 50 percent of sales by the end of the decade. - The automaker will make hybrid versions of almost every vehicle in its lineup, the company says. - All in on EVS cost them -  Ford expects to record about $19.5 billion in special items, mostly during the fourth quarter. ---- The charges are related to a restructuring of its business priorities and a pullback in its all-electric vehicle investments. Australia - Australia has implemented a groundbreaking ban preventing children under 16 from accessing major social media platforms like TikTok, Instagram, and Facebook, effective December 2025, to protect them from harm, with significant fines for companies failing to enforce it, though messaging apps and gaming platforms are currently exempt. - Reddit is suing - Facebook, Instagram, Snapchat, Threads, TikTok, X (Twitter), YouTube, Reddit, Kick, and Twitch are all banned for kids under 16. - Thoughts on this? Saved For Last - Of all the eye-popping numbers that Oracle Corp. published last week on the costs of its artificial-intelligence data center buildout, the most striking didn't appear until the day after its earnings press release and analyst call. - The more comprehensive 10-Q earnings report that appeared on Thursday detailed $248 billion of lease-payment commitments, “substantially all” related to data centers and cloud capacity arrangements, the business-software firm said. These are due to commence between now and its 2028 financial year but they're not yet included on its balance sheet. - That's almost $150 billion more than was disclosed in the footnotes of September's earnings update. Love the Show? Then how about a Donation? The Winner for iShares Bitcoin Trust ETF (IBIT) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Shares of Ford on the move after the automaker announced a $19.5b write off of its electric vehicle business. What the company is focusing on now, instead. Plus Terns Pharmaceuticals announced positive results for its new cancer drug last week. The CEO joins to lay out next steps for the company.  Fast Money Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

*Note: This episode is about my goal to reduce the tension between those who stay in the Church and those who leave** My friend Andy Newman (married father of three, Ex-Mormon, therapist, LGBTQ ally, bridge builder) join us to discuss: * Understanding/supporting your spouse that left the church * Understanding/supporting your spouse that stays in the church * What helps couple stay strong * Shares values over shared beliefs * The Gottman Method * A,C,T,S Andy's work is more than theoretical—as he talks “in-real-life” about how this works in their marriage with examples of how he supports his wife and three daughters in their church attendance (including giving a talk at a daughter's baptism) and the peace he has found with people he loves holding different beliefs. Andy mentions the work of Allan and Kattie Mount and their podcast “Marriage on a Tightrope”. Thank you, Andy, for bringing your clinical expertise and own personal journey to help those in a mixed-faith marriage. I learned so much from you and appreciate your voice and healing work in our community. You are a good man—glad to have you on the podcast! Links: Psychology today: www.psychologytoday.com/us/therapists/andy-newman-gilbert-az/974441 IG: www.instagram.com/andynewmanlpc/ TikTok: www.tiktok.com/@deconstruction_therapy Twitter: @andynewmanlpc Epsiode One: https://podcasts.apple.com/us/podcast/episode-846-andy-newman-episode-one/id1347971725?i=1000734877746

Shares of Broadcom and Oracle suffer from “AI Angst” to end the week, taking a bite out of tech stocks and the broader market. Plus news President Trump will soon reclassify marijuana as a much less-regulated Schedule III drug sending shares of pot stocks sharply higher.  Fast Money Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Richard McGirr walks listeners through his 2025 retrospective using the “four L's” framework—what he loved, learned, lacked, and longed for. He explains how abandoning distractions and doubling down on a single, high-performing debt fund produced seven to eight consecutive record-breaking months and over $24 million raised. Richard breaks down how this focus created operational mastery, recurring revenue, and a repeatable monthly closing machine that freed him and his partner to work on the business rather than in it. He also shares hard-won lessons about integrity, contracts, and protecting yourself in an industry where big dollar figures can test people's promises. Richard then turns to his biggest breakthroughs of the year, including finally cracking how to identify, mentor, and launch high-potential fund-of-funds managers—leading to a standout case study of a new FOF raising $1.2 million in its first month. He closes by outlining what he lacked in 2025 (dedicated in-house accounting) and what he's pursuing in 2026: co-GP relationships with top-tier debt funds, airtight long-term contracts, diversification, and a major scale-up of both direct raises and FOF-driven capital. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Start earning passive income today at gsprei.com/bestever Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Richard McGirr interviews Bruce Stein, uncovering how his early dream of becoming an architect evolved into a decades-long career in real estate development, syndication, fund management, and now portfolio consulting. Bruce shares his path from working for a real estate syndicator, to a 16-year tenure at a family office deploying $300M, to running nationwide bridge-construction lending, and finally to advising investors on buying, selling, holding, and succession planning. He explains why beginner investors should stay local, focus on one property type, build a track record before raising capital, and avoid the common trap of chasing cap rates instead of chasing lifestyle alignment and reduced management burden. Richard and Bruce dive into when to sell a property, how to evaluate the “biggest headache” in a portfolio, using 1031 exchanges strategically, and why the true goal is to simplify your real estate life—even if the cash flow stays the same. Bruce also offers candid insights into raising three separate $100M funds: why specificity, transparency, investor expectation management, and sticking to your lane matter more than anything else. The episode closes with a practical capital-raising tip: be specific, be consistent, and give investors enough time to underwrite YOU as much as the deal. Bruce SteinCurrent role: Real Estate Consultant & Former Fund Manager Based in: CaliforniaSay hi to them at: https://www.linkedin.com/in/brucejstein/ Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Start earning passive income today at gsprei.com/bestever Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

John Chang interviews the commercial real estate market itself as he breaks down how healthcare hiring is propping up national job growth while most other sectors soften, and why that makes medical office one of the strongest asset classes going forward. He explains how an aging population and persistent healthcare labor shortages are driving durable demand, limited new supply, stable vacancies around 9%, and long-term leases with built-in rent bumps that support medical office performance. John then shifts to the multifamily outlook, highlighting Sun Belt oversupply and concessions versus tighter conditions in the Midwest and coastal markets, along with delayed household formation among young adults that is creating pent-up demand. He closes by outlining why institutional capital is ramping back into CRE—NACREIF total returns turning positive, higher fund-raising volumes, and rising target allocations—which should lead to more competition for deals and eventual cap rate compression in 2026, assuming policy and geopolitical risks stay contained Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Start earning passive income today at gsprei.com/bestever Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

John Casmon interviews Dani Lynn Robison, co-founder of a vertically integrated “Freedom Family” of nine real estate businesses, about how she moved from Ohio turnkey rentals into larger multifamily and fund management. Dani walks through why she brought renovations, property management, acquisitions, brokerage, and capital raising in-house, and how that 56-unit “drugs, thugs and bugs” deal became a $2M proof-of-concept for scaling apartments. She shares her hard-won lessons on hiring “Ferrari-level” leaders, structuring roles with profit sharing, and keeping a 100% payout track record by always making investors whole—even on bad deals. Dani also explains why many turnkey buyers don't actually want to be landlords, how she now focuses on truly passive vehicles like funds and syndications, and where she's seeing opportunities in Sun Belt multifamily, senior housing, self-storage, and build-to-rent as bridge loans come due over the next few years. Dani Lynn RobisonCurrent role: Co-Founder and CEO, Freedom Family Investments & Freedom Real Estate Group Family of CompaniesBased in: Davenport, Florida Say hi to them at: https://freedomfamilyinvestments.com | https://www.linkedin.com/in/danilynnrobison/ Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Start earning passive income today at gsprei.com/bestever Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Start earning passive income today at gsprei.com/bestever Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices