Podcasts about Sharp

Britain has reached a strange new milestone in the cost of living crisis: even doing the laundry is becoming unaffordable. In this episode of Mark and Pete, we look at the growing reality of laundry poverty in the UK, where rising energy bills, detergent prices, and laundrette costs are pushing more people to wash less, dry less, and quietly compromise on basic hygiene.At first glance it sounds like a minor inconvenience, even a slightly comic headline. But beneath the surface it reveals something far more serious: a nation where ordinary life is becoming harder, more stressful, and increasingly stripped of dignity. When families can't afford to run the washing machine or tumble dryer, it doesn't just mean wearing yesterday's shirt. It means damp clothes hanging indoors, mould creeping into flats, asthma and respiratory problems worsening, and children turning up to school embarrassed, anxious, and vulnerable to bullying.We explore how energy policy, inflation, housing conditions, and low wages are colliding to create a new kind of hidden hardship. This isn't Victorian poverty with chimneys and soot. It's modern poverty with smart meters, condensation, and the constant low-grade fear of the next bill. Many people are now relying on cold washes, skipping bedding loads, re-wearing clothes longer, and using deodorant as an economic strategy.Mark brings his poetic take on Britain's damp decline, while Pete offers the deeper Christian perspective: why dignity matters, why the ordinary needs of daily life are not trivial, and why a society that cannot keep its people warm and clean is a society in serious moral and spiritual trouble. We also touch on the biblical principle that compassion must be practical, not theoretical, and ask what role the church should play in noticing these quieter forms of suffering.Sharp analysis, British humour, and uncomfortable truth—welcome to the UK, where cleanliness is becoming a luxury.z

Over the coming months and through our study of the book of Hebrews, we aim to meditate frequently on the glory of Jesus Christ. May our souls be revived by a constant view of his glory - in this book which invites us to consider Christ Jesus, the exalted Savior of weary pilgrims like us. This week we look to Hebrews 13:7-16.Life Group Discussion Questions: lifechurchnc.com/hebrewsLife Church exists to glorify God by making disciples who treasure Christ, grow together, and live on mission. Salisbury, NCFollow us online:lifechurchnc.comFacebookInstagramYouTubeTwitter

Send a textThe world feels sharper than it used to. Conversations cut faster. Systems feel colder. And many good people feel tempted to harden—not because they don't care, but because they're tired.In this final bonus episode of The Kindness Matters Podcast, Mike shares why staying soft in a harsh world is not weakness—it's courage. Drawing from his new book, Still Changing A World: Small Acts of Kindness That Make a Big Difference, he explores how we can protect our humanity without burning out, disappearing, or becoming bitter.This episode is about boundaries instead of walls, rest instead of retreat, and why small, everyday acts of kindness matter more—not less—when big systems feel broken.In this episode, you'll hear:Why the urge to harden your heart is often about exhaustion, not lack of compassionThe difference between boundaries and emotional wallsHow staying “soft and strong” helps you remain human without self-erasureWhy small acts create real change, even when they don't go viralHow to keep showing up with kindness without carrying the weight of fixing everythingFeatured readings from the book:“When You're Tempted to Harden Your Heart”“Small Acts Matter More When Big Systems Feel Broken”Key takeaway:You are not responsible for fixing the whole world. You are responsible for how you show up in the part of it you touch.Kindness doesn't require perfection, consensus, or constant output. It requires presence, boundaries, and the courage to stay human—especially when the world makes that hard.Resources & Links:Still Changing A World: Small Acts of Kindness That Make a Big Difference by Mike Rathbun (Available wherever books are sold — link in show notes)If this episode resonated:Share it with someone who feels tired but hasn't given upLeave a review to help others find the showOr do one small act of kindness today—those still countThank you for listening. Thank you for caring. And thank you for staying soft in a sharp world.If you would like to purchase this book in either Kindle format or Paperback you can do that here.Support the show

This week on Match Paatheengala Boss, Ram and Arun dive deep into the blockbuster India vs Pakistan T20 World Cup 2026 clash

On today's episode, Joe, Prez and Art discuss today's sharpest action, MLB futures and win totals, olympic hockey, college basketball and more!00:00 INTRODUCTION01:48 MARKET MOVES: MLB WIN TOTALS | FUTURES07:24 WHAT HAPPENS IN THE SUMMER TO THIS SHOW?08:42 BETTING SPRING TRAINING MLB GAMES12:34 SHARP PLAYS TODAY IN CBB13:33 PREZ VOTES ON HIS HAIR15:49 PARLAY OF THE DAY20:40 PREDICTIVE MARKETS: BITCOIN-OLYMPIC HOCKEY MEDALS29:28 TODAY'S BEST BETS37:32 CBB RUNDOWN

Welcome to the Circle of the World Podcast! Join Harrison, George, and Jeffrey as we continue our coverage of Joe Abercrombie's First Law series! For this season, we read through Sharp Ends! In today's episode we warp up our full review of the book. Enjoy!Meme of the week: https://www.reddit.com/r/HouseOfTheMemeMaker/comments/1qspqds/the_man_like_numbers/Leave us a commentSupport the show

Sharp selloffs in metals and elevated oil prices beg the question - is commodity volatility a harbinger of things to come, or merely a correction? While commodities remain supported by reflated growth and expansionary fiscal policy, other effects are also taking place. In this episode, we reiterate our view on metals and discuss the current sentiment in oil markets to help you understand what comes next.   Speakers:  Natasha Kaneva, Head of Global Commodities Research Greg Shearer, Head of Base & Precious Metals Research   This podcast was recorded on February 13, 2026.   This communication is provided for information purposes only. Institutional clients can view the related report at https://www.jpmm.com/research/content/GPS-5206473-0, https://www.jpmm.com/research/content/GPS-5194449-0 and https://www.jpmm.com/research/content/GPS-5184139-0 for more information; please visit www.jpmm.com/research/disclosures for important disclosures. © 2026 JPMorgan Chase & Co. All rights reserved. This material or any portion hereof may not be reprinted, sold or redistributed without the written consent of J.P. Morgan. It is strictly prohibited to use or share without prior written consent from J.P. Morgan any research material received from J.P. Morgan or an authorized third-party (“J.P. Morgan Data”) in any third-party artificial intelligence (“AI”) systems or models when such J.P. Morgan Data is accessible by a third-party.

You don't retire from being an artist. It's not a job title , it's the way you move through the world.What if your creativity could take you across the world, and then back home to yourself? In this beautiful and grounding conversation, I sit down with art therapist Emily Sharp to talk about what it really looks like to build a creative life that supports your nervous system instead of burning it out.Emily shares her journey from running two fast-paced art therapy offices in New York, filled with back-to-back sessions, home visits, and constant hustle, to creating an online practice that aligns with her move to Copenhagen and her new season of family life. We talk about making art anywhere in the world, how creativity is something you never age out of, and why being an artist isn't something you clock in and out of , it's a way of living.If you've ever wondered whether your creativity could carry you somewhere new… this episode is your permission slip.Two Takeaway Tips:1. Design Your Creative Life Around Your Energy — Not the Hustle.Burnout isn't a badge of honour. If your creativity is draining you instead of fuelling you, it might be time to reshape how you work. Online offerings, retreats, community spaces — there are more ways than ever to build a life that supports your art and your wellbeing.2. Make Art Wherever You Are.You don't need the perfect studio or the perfect season of life. Creativity travels with you. Whether you're in New York, Copenhagen, your kitchen table, or Greece — you are still an artist. It's not something you retire from. It's who you are.

JC Family Church: Empowering People, Impacting Communities.No matter what you have done or where you have come from, your past doesn't have to define your present, or dictate your future... Today is a new day.  If you need prayer or just want to get in touch with us you can email us at admin@jcfamily.com.auIf you have been blessed by this ministry we would love to invite you to partner with us in spreading the message of Hope.Name: Jimboomba Assembly of GodBSB: 654 000A/C: 64193699  Join us for church online.Facebook - https://www.facebook.com/jcfamilychurchYouTube - https://www.youtube.com/channel/UCcIcVeev1rBu-iFkdkiHIwQ  For more information head to our webpagehttp://www.jcfamily.com.au/

JC Family Church: Empowering People, Impacting Communities.No matter what you have done or where you have come from, your past doesn't have to define your present, or dictate your future... Today is a new day.  If you need prayer or just want to get in touch with us you can email us at admin@jcfamily.com.auIf you have been blessed by this ministry we would love to invite you to partner with us in spreading the message of Hope.Name: Jimboomba Assembly of GodBSB: 654 000A/C: 64193699  Join us for church online.Facebook - https://www.facebook.com/jcfamilychurchYouTube - https://www.youtube.com/channel/UCcIcVeev1rBu-iFkdkiHIwQ  For more information head to our webpagehttp://www.jcfamily.com.au/

JC Family Church: Empowering People, Impacting Communities.No matter what you have done or where you have come from, your past doesn't have to define your present, or dictate your future... Today is a new day.  If you need prayer or just want to get in touch with us you can email us at admin@jcfamily.com.auIf you have been blessed by this ministry we would love to invite you to partner with us in spreading the message of Hope.Name: Jimboomba Assembly of GodBSB: 654 000A/C: 64193699  Join us for church online.Facebook - https://www.facebook.com/jcfamilychurchYouTube - https://www.youtube.com/channel/UCcIcVeev1rBu-iFkdkiHIwQ  For more information head to our webpagehttp://www.jcfamily.com.au/

In this conversation, Vassilis Douros and Marc Binkley delve into the complexities of measuring ROI in marketing. They discuss common misconceptions about ROI, ROAS, and MER, emphasizing that these metrics often lead marketers to focus on short-term efficiency rather than long-term effectiveness. The duo highlights the importance of collaboration across teams to ensure that marketing promises align with operational capabilities, ultimately driving sustainable growth. They advocate for a shift in focus from mere ratios to understanding the broader implications of marketing investments on future cash flow and customer relationships.If you're being measured purely on short-term efficiency metrics, this conversation will change how you think about growth.ROI isn't a marketing number. It's a team sport.TakeawaysROI is often misunderstood as a measure of efficiency rather than effectiveness.Chasing high ROI can lead to short-term thinking and limit growth.Marketing success requires collaboration across teams, not just within marketing.The promise to the customer must be memorable, valuable, and deliverable.Focusing solely on financial ratios can obscure the true health of a brand.Long-term ROI is built on consistent delivery of promises to customers.Marketing should be viewed as a growth driver, not a cost center.Incrementality is crucial to understanding the true impact of marketing efforts.Operational efficiency is key to fulfilling marketing promises.Winning in marketing is a team sport, requiring alignment across departments.Chapters00:00 - Understanding ROI in Marketing03:00 - The Dangers of Chasing High ROI05:57 - The Importance of Team Collaboration09:55 - The Promise to the Customer11:58 - Shifting Focus from Ratios to RevenueSources:Ambler, T. (2000). Marketing Metrics. Business Strategy Review, 11(2), 59-66.Binkley, M. (2024). 35 Factors that Affect Marketing ROI. Quatical Fractional Marketing Leadership.B2B Institute & WARC. (2024). Making a Promise to the Business Customer: Why Customer Promise Campaigns are Even More Effective in B2B than B2C. LinkedIn.Calgary Marketing Association & Stone-Olafson. (2024). Shaping Success: Alberta's Marketing Landscape and the Trends Influencing ROI.Duhigg, C. (2012). The Power of Habit: Why We Do What We Do in Life and Business. Random House.Kaushik, A. (2023). The Best Marketing ROI Formula: Incremental Net Profit ROI!. Occam's Razor.Martin, R., & B2B Institute. (2023). Making a Promise to...

Bank of Ireland is urging consumers to stay alert as romance fraud continues to rise sharply, with cases reported to the Bank almost doubling in 2025 compared to the previous year. The true scale of the problem may be even higher, as many victims feel too embarrassed or ashamed to report what has happened. Romance fraud typically begins on social media, dating websites or apps, where criminals build emotional connections before exploiting victims for financial gain. How Romance Fraudsters Operate: Create fake profiles on dating apps, websites, and social media. Use elaborate stories—such as working overseas, being in the military, or travelling for a high-pressure job—to justify why they cannot meet or join a video call. Send frequent, intense messages that quickly escalate to declarations of love. Request money, often citing medical emergencies, urgent travel needs, family crises or financial hardship. These stories are designed to trigger sympathy and create pressure. Nicola Sadlier, Head of Fraud, Bank of Ireland, is encouraging consumers to remain vigilant: "Romance fraudsters are deeply manipulative. They often create tragic backstories – a dying relative, illness, or financial crisis – to win sympathy. The key message is simple – never send money to someone you've only chatted to online. "Real relationships take time to build, but scammers will profess undying love quickly. If an online relationship is moving too fast and suddenly involves money, it's likely to be fraud. Much of this type of fraud starts through social media platforms, so these companies need to play their part in shutting it down quickly." How to Protect Yourself Be cautious with new online relationships—take time to verify who you're speaking to. Never send money to someone you haven't met face?to?face. Be wary if they avoid video calls or repeatedly cancel plans to meet. Notice inconsistencies in their stories. Remember: celebrities do not message fans asking for money. Talk to a trusted friend or family member if something feels off. If You Think You've Been Scammed Stop communicating with the individual immediately. Report it to your bank, An Garda Síochána, and any relevant platforms such as dating sites or social networks. Bank of Ireland Emergency Fraud Line is available 24/7, Freephone: 1800 946 764. Case study – How romance fraud works: In a recent Bank of Ireland case, Anne, a woman in her 60s who had been recently widowed, received what appeared to be a friendly connection request on Facebook. The man who contacted her explained that he, too, had lost his spouse. Over time, their conversations became more personal, and across several months, he carefully built trust and an emotional connection with Anne. As the relationship deepened, the individual claimed he was experiencing temporary cash-flow difficulties in his business. He told Anne he urgently needed funds to repair a broken machine, reassuring her that the issue was short-term and that he would repay her quickly. Believing she was supporting someone she cared about, Anne agreed to help. What began as a small transfer soon escalated into repeated requests for more money. Fortunately, Bank of Ireland's fraud team identified the pattern as a likely romance scam and intervened before further losses occurred. Anne's experience is far from unique. Fraudsters deliberately target people who may be feeling lonely, isolated, or simply seeking companionship – using emotional manipulation to create trust, then exploiting that trust for financial gain. More about Irish Tech News Irish Tech News are Ireland's No. 1 Online Tech Publication and often Ireland's No.1 Tech Podcast too. You can find hundreds of fantastic previous episodes and subscribe using whatever platform you like via our Anchor.fm page here: https://anchor.fm/irish-tech-news If you'd like to be featured in an upcoming Podcast email us at Simon@IrishTechNews.ie now to discuss. Irish Tech News have a range of services available to h...

For most of my career, I've been focused on two things: Operating businesses and Multifamily real estate. The strategy has been pretty simple. Take money generated from higher-risk, active businesses… and move it into more stable, long-term assets like apartment buildings. That shift—from risk to stability—is how I've tried to build durability over time. Now, to be fair, the sharp rise in interest rates a few years ago put a dent in that model. But zooming out, it's still worked well for me overall. So I'm sticking with it. That said, there are other ways to think about real estate. In some cases, the real opportunity is when you combine real estate with an operating business. We've done that before in the Wealth Formula Investor Club with self-storage, and the results were excellent. Storage is operationally simple, relatively boring—and that's exactly why it works. But there's another category that sits at the opposite end of the spectrum. Hotels. They're sexier.They're more volatile.And yes—they're riskier. But the upside can be dramatically higher. One of my closest friends here in Montecito has quietly built a fortune doing boutique hotels over the past few years. He started with a no-frills hotel in Texas serving the oil drilling industry. Over time, he combined his operational experience with his talent as a designer—and eventually created some of the highest-rated boutique hotels in the world. He's absolutely crushing it. Of course, most of us aren't world-class designers or architects. I'm certainly not. Still, his success made me curious. Hotels have been on my radar for a while now—not because I understand the business, but because I don't. When I asked him how he learned the hotel industry, his answer was honest: “I figured it out on the fly—starting with my first acquisition and a great broker.” That's usually how real learning happens. So this week on the Wealth Formula Podcast, I brought on an expert in hospitality investing to educate both of us. We cover the basics: How hotel investing actually worksWhere the real risks are (and where they aren't)How returns differ from multifamilyAnd what someone should understand before ever touching their first hotel deal If you've ever thought about buying or investing in hotels—but didn't know where to start—welcome to the club. You don't have to jump in tomorrow. But you do have to start somewhere. This episode is a good starting point. Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/545-should-you-invest-in-hotels/id718416620?i=1000748759003 Listen on Spotify: https://open.spotify.com/episode/5Lx5Rp4x704lWRazWLqDOK Watch on YouTube: https://youtu.be/GMFf6-g8w_0 Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, if you’ve not done so and you are an accredited investor, go to wealthformula.com, sign up for our investor club. Uh, the opportunity there is really to see private deal flow that you wouldn’t otherwise see because it can’t be advertised. And, uh, only available to those people who are deemed accredited. And then what does accredited mean as a reminder? Well, if you’re married, you make $300,000 per year combined for at least two years with a reasonable expectation, continue to do so, or you have a net worth of a million dollars outside of your personal residence. Or if you’re single like me, $200,000 per year or a million dollars net worth. Anyway, that’s probably, uh, most of you. So all you gotta do is go to wealth formula.com, sign up for investor club because hey, who doesn’t wanna be part of a club? And, uh, by the way, it’s a great price. It’s free. So join it. Just get onboarded and all you gotta do is just wait for deal flow. What a deal. Now let’s talk about different kinds of things to invest in. For most of my career, I, I have really focused on two things I’ve focused on. Either operating businesses, uh, in my case, those operating businesses largely have been medical and multifamily real estate. Uh, the strategy itself, theoretically the way I think about it, take money from sort of these active businesses, a higher risk, move them into more stable long-term assets like apartment buildings. Okay? The idea is that’s how you build some durability over time. Now, to be fair, okay, to be fair. Sharp rise in interest rates a few years ago. Put a little bit of a dent in that model. But here’s the thing is that you can’t throw out the, uh, baby with the bath water. ’cause when I zoom out, still worked well for me overall. So I’m sticking with it and, uh, that’s my story. I’m sticking with it. That said, there are always other ways to think about real estate, right? Real estate is not just multifamily. Um, in some cases, the real opportunity is when you combine real estate and operating businesses. So. We’ve actually done that before in our wealth formula investor club. Um, and we’ve done that through self-storage, for example, and the results were really good. Storage is operationally, generally pretty simple. Probably not that simple, but you know, but more so than other things, relatively boring. Boring is good, and that’s exactly why it works. There’s another category that sits at the opposite end of the spectrum of boring, and it’s sexier and it’s more volatile and it’s riskier. And uh, that is the area of hotels, right, like leisure, that kind of thing. But the upside in those things can be dramatically higher. You know, one of my closest friends here. Montecito, I talk about him all the time. He’s a, he is a little bit of an inspiration to me, although I wouldn’t tell that to in space. He’s built a fortune doing boutique hotels over the past few years and the way he started, you know, and I think it was only about a decade ago because he bought like this no frills hotel in Texas that was serving the oil industry. There was a bunch of guys, you know, drilling needed a place to say, and you know, he had this and he actually. I don’t know that I would recommend this, but he, he told me he bought it sight unseen just based on the numbers. Ah, man, I gotta tell you, I don’t think I’m that lucky. If I bought something sight unseen, it would not work great for me, but it did work great for him. But over time, what he did is he, he combined his operational experience with his talent as he’s like a designer, like designs, homes, an architect, uh, of sorts, although more than that. Um, and he, he used to build houses for like famous people in Hollywood. Anyway, he took that skill and so he combined it with hotels and he created some of the highest rated boutique hotels in the world. And he’s absolutely crushing it. Just crushing it. Of course, the reality is that most of us aren’t world-class designers or architects. I’m certainly not. I’m not artistic at all. Still, um, you know, the fact that he’s had so much success in this space and that he loves hotels. What got me curious? So, hotels have been on my radar for a while, not because I understand the business, but actually because I don’t. And when I asked him how he learned, uh, about the hotel industry, he just said, you know, I figured out on the fly and, uh, you know, started with my first acquisition, had a great broker who taught me everything I, you know, needed to know at the beginning and. That’s a great story. I mean, and ideally that’s how things happen. As you can tell, this guy is, uh, seems to just hit on everything. So good for him. So this week on Wealth Formula Podcast, I wanted to get a little bit of a hotel investing 1 0 1. So I brought on an expert in hospitality investing that could educate both you and me. So we’re gonna cover some of the basics, how hotel actually works, you know, what are the risks returns. Like, what should people do if they even consider, you know, buying their first hotel or investing in one? So if you’ve ever thought about investing, uh, in hotels, or maybe that’s the first time you’re hearing about it and you’re curious, uh, welcome to the club and uh, we will have a great interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Farm I podcast is, uh, John O’Neill. He’s a, a professor of hospitality management and director of the Hospitality Real Estate Strategy Group at Pennsylvania State University. Uh, he spent decades studying hotel valuation performance, Cabo flows and economic cycles in in the lodging industry. John, thanks for, uh, joining us. You’re welcome. So, you know, we’re talking offline. You’ve been in the hotel business for a long time. We’re trying to figure out how to frame this thing because you know, I mean there are, I know there are certainly people in. Uh, who in, in my group and my listeners, my community who are in the hotel space, but a lot of ’em aren’t. And you know, they’ve been thinking about, well, you know, we do a lot of apartment buildings, that kind of thing. Um, you know, what else should we be thinking about? And so, you know, when we hear, uh, hotel, um, they’re thinking of hospitality. But from an investor’s perspective, I guess the first question ask is what kind of real estate asset is a hotel? And, and may, may maybe just sort of fundamentally how different it is. From apartments office or retail? Yeah, that’s a great question because hotels are fundamentally different. But what I’ve seen over the past few years as well is hotels have increasingly been considered to be a component of commercial real estate. So we’ve always thought about office and retail and residential and industrial as being components of commercial real estate, but increasingly. Investors are thinking about hotels that way as well, because some of the high risk aspects of hotels have been moderated a little bit. So they are still considered to be a high risk and potentially high reward category, but they’re much more cyclical than those other types of businesses. So if we look at apartment leases, maybe being a year or two. Office leases may be being three to five years and retail leases could be five or 10 years. The leases in hotels are one or two nights, so there’s upside, but there’s risk involved in that as well. So when there’s pressure in a market to increase rates, like here where I am in University Park, Pennsylvania, when we have a home football game. We can see hotels with average daily rates of maybe a hundred to $200 a night charging seven, eight, $900 per night, and filling up on those rates. You can’t do that in an office building or in a retail center. And so there’s great opportunity when demand increases to push up rates and to greatly benefit from that. The flip side of courses on Sunday night when all those guests leave. You might be back to a hundred dollars a night and running 20 or 30% occupancy. Do hotels kind of follow the rest of real estate in terms of market cycles though? Yeah, it depends. I, I would say in many cases they’re actually leaders, which again, double-edged sword there. So for, yeah, when we plummeted in 2020 because of COVID hotels were probably the first category really to see it. Demand dried up overnight, and you go back to September 11th, 2001 on September 12th, 2001, a lot of hotels were empty and that wasn’t the case with office buildings and retail centers. The flip side, of course, is when the economy started improving, hotel operators could start pushing their rates very quickly. And so other categories of commercial real estate didn’t receive those benefits. Yeah, I mean, obviously there’s certainly gonna be. Real estate that’s often used that that’s often using debt and, you know, probably has the same sort of, uh, issues with regard to cap rate compression or decompression based on interest rates as well. Right, right. So, um, where are we? Right? What would you say right now, like, I mean, we know that. Our, we’ve been following very closely on the multifamily side. You know, prices are depressed. I mean, from 2022, we’re looking at probably 30% to 40%. Most, most, uh, large apartment complexes are not moving because people don’t wanna sell into a down market. But when they are, they’re being sold at 30, 40% discounts compared to 2022. Where is the, where is the hotel? Market at right now? It it, it’s challenged because right now we’re seeing discrepancies between where buyers wanna buy and sellers wanna sell. We’ve started to see some movement because some sellers have come down a bit in pricing because of what we’ve seen in 2025, the market really did soften as far as the hotel business is concerned. So in 2025. We really saw no increase in occupancy and in many markets we saw some decreases in occupancy. We are still seeing average daily rates going up a little bit, so yeah. Might be worth maybe a quick step backward that the two key indicators in terms of hotel lodging performance would be occupancy and average daily rate. With occupancy being the extent to which the guest rooms are occupied and average daily rate being the average price somebody is paying. We can talk about the mathematics of those, but, um, just I think conceptually, hopefully that makes sense. But, so, you know, at this point what we’re seeing is average daily rates are still going up a little bit, and the forecasts for 2026 are. Pretty much more of the same, where we’re not expected to see great occupancy increases, but we are anticipating that the average daily rates might go up a little bit. Uh, and, and in fact we might see occupancies decline slightly. And, uh, we might see, uh, average daily rates still possibly going up a little bit. That’s usually an indicator of being late in the cycle, you know, being somewhere near the peak and, and, you know, if the trough was 2020. Which was a pretty deep trough. 2021, we started seeing improvements and we saw great improvements in 22, 23, and 24, and so it’s looking like the end of a cycle. The thing we don’t really know for sure is, is there some reason that we’re going to really go into a substantial down period or are we actually in a situation where we’re going to have another upcycle? Yeah. You know, the other thing I was curious about too, like when you talk about these cycles for hotels, even within hotels, there are certainly, you know, different types of hotels. You know, there’s the boutiquey ones that are pe really pure tourism versus the ones that, okay, well maybe they are, you know, good for football games or. There’s others that are people use for, for, for work frequently, right? They’re, they’re just passing through for, for work trips. Do you, is there, um, is that difficult to extricate those types of different economies running at the same time? It’s not, I, I don’t know that it’s that difficult, you know, just to give you a little bit about my background, I’ve been a professor for some time, but prior to being a professor I worked for. Three of the four major hospitality organizations, namely Marriott, IHG, and Hyatt. Uh, and so going back into the 1980s when I was doing feasibility studies for proposed Marriott hotels, we, in most markets, analyzed three markets segments. And, and you essentially said what they are commercial business, which are your business travelers, leisure business, which are your pleasure travelers, and then groups, which includes conventions and, and those are still the three major market segments in most markets. In, in some markets. For example, if you’re approximate to a major international airport, there’s usually a fourth segment, which is that fourth segment is airline crew business, which is, is very different than the other three because. Whereas the other three go up and down throughout, not just the year, but throughout the week. Airline crew business tends to be stable throughout the year, so it, it, it’s in your hotel 365 nights outta the year. So it’s, it’s a very low risk, but also a very low rated market segment. So it, I don’t know if that’s that complicated, but it just needs to be broken out as you delineated it, which is that there’s. Three or four market segments in any market. And in terms of studying a hotel for development or for investment, it’s necessary to understand not just what’s going on on the supply side, in other words what’s going on in the hotels, but what’s going on in the demand side as well. So give you an example. I recently did a feasibility study in a market, which is a big pharmaceutical market. So I actually spent time with major pharmaceutical people talking about, where are you staying now? Why are you staying there? Are you a member of the Frequent traveler program? How does your business vary throughout the year? What rates are you paying? What facilities and amenities are you seeking? And things like that. So to really understand the demand because that demand segment. So important in that market. So it is ultimately a street corner business and what’s going on in a specific market in terms of the mix of commercial, leisure and group business and possibly other market segments. Really is something that we have to study in depth when we conduct a feasibility study or an appraisal for hotel. I, I don’t know if I mentioned, I’m a licensed real estate appraiser too, and although my licenses allow me to appraise any type of property, I only appraise hotels. Got it. Businesses fundamentally changed pre COVID and post COVID. I would assume that there’s probably less travel. Are you seeing impact? On those types of hotels from that kind of, you know, less travel, more zoom type activity. Yeah. And, and that’s a great, that’s a great follow up because with those market segments, although the segments are the same. The demand from each of those segments really has different, and, and as you said, it really changed substantially in COVID. It, it, it’s fascinating how once we were forced to use Zoom and, and other, you know, Microsoft teams and other technology like that, you know, we, we kind of did a kicking and screaming. But once we figured it out, we realized we didn’t get a lot done. Uh, now I spent last week in Los Angeles at America’s Lodging Investment Summit, and I go to this. Function every year, because I see many of the same people year after year, and the business cards might change, but it’s the same people involved in the hotel business, whether they’re brokers or investors or asset managers or consultants or appraisers. But in between. Each year I do a lot on Zoom with these people and you know, we can keep those relationships going. So it hasn’t eliminated, you know, in my personal case, my need to travel, but it has substantially reduced it. And I think a lot of other business people have seen the same thing. So if we look at the recovery since COVID, it was fascinating because the first market segment that recovered and recovered really strongly was leisure business and people, people see it as their right. To have a vacation and, and people were paying high rates, particularly in, in, in mountain locations and in beach locations. And so those rates came up really quickly. And then the group business followed. If people do wanna go to group functions like I did last week in la what has not recovered to the level of 2019 though is the business travel. Right. Interesting. So I, that’s probably a, uh, you know, and he, I can’t really see a particularly promising future for that Subsect either. Right. I think, in fact, bill Gates said it’s never going to be back to the, you know, he, he’s an investor in Four Seasons hotels, and he said it’ll never be back to the way it was in 2019. I don’t know if he’s right. I mean, because I, I still feel like we get a lot of things done. Face-to-face, person to person that we really can’t do in Zoom. I don’t think Zoom is great for establishing relationships. I, I still think that we need face-to-face, uh, personal contact. But, you know, that might be just my perspective because I’ve been working in hotels since I was a teenager and I’m really far from being a teenager now. And, you know, I, I’ve been indoctrinated in this philosophy of the importance of face-to-face contact. But yeah, you know, that might be generational. You with a younger generation. Yeah. Yeah, absolutely. Um, you know, just kind of going back to the difference differences, uh, with compared to other real estate hotels, ultimately the, one of the big differences, they’re operating businesses, right? I mean, they’re not that large. Apartment buildings aren’t, but they’re is I think, a specific sort of operational execution that matters a lot in hotels. So, you know, in invest, when investors are kinda looking at that, I mean, they, they should probably be not looking at it as nearly as passive as other real estate investments. Is that fair? I, I think that’s very fair because I think, you know, it, it shows what’s happened in terms of the market with real estate investment trust. Because I’ve sold my entire position in hotel real estate investment trust and, and as you probably know, if we look at real estate investment trust. Different categories in, in commercial real estate, hotels lag, which is fascinating because everything else we’ve been talking about explains why hotel returns tend to outperform other classes of commercial real estate. More volatility, but higher returns on average. If you can withstand the long period, uh, that you need to be an investor. On real estate investment trust, it’s the opposite. Hotels actually lag and, and I think it really is because of exactly what you’re talking about, which is that they really are like an operating business where there’s also real estate as opposed to a real estate play where it’s almost like there’s an annuity of rent that is very easily projected, uh, in hotels. You know, we, we. Project all the time how they’re going to perform. But you know, you know, I hope my projections are very good, but there’s always things that can COVID. For example, you know, now there’s a virus in, in India that you know might be coming and, you know, we don’t know, will this be substantial or will it be really minor in the Americas? We really don’t know. Uh, that won’t have a big effect on, on other classes of real estate investment trust, but. It could have a big effect in hotels, so, so the unknowns in hotels are very high. And then when you combine that with the fact that they are an operating business, which are very labor intensive and wage rates are going up. So the cost structure and the management of that cost structure becomes. Very important and the expertise of the hotel managers becomes very important. And so, yeah, like you say, other classes of commercial real estate or, or institutional real estate investments have an operational component. It’s much greater when it comes to hotels. So I actually have a friend who’s an, um, owns, uh, a few boutique hotels here in, in California, and he was telling me one of the things that he’s kind of worried about is, um, you know, they, they’re, they have some, um. Some mandates coming up with regard to, you know, minimum wage and, and all these things that, uh, hotel workers have to get, uh, give you just outta curiosity. I mean, most of my audience is not in California. I am, but have you heard about this? Can you tell us a little bit about those pressures? Yeah, I have heard about it. And there’s, there’s forces on the other side as well, namely the American Hotel and Lodging Association, which represents hotel owners, managers, and franchisers. And so they have a voice in these things as well. But the, the, the forest, particularly in places like California and, and in the west coast in general, we’ve seen it in Seattle as well. Um, you know, in, in terms of increasing minimum wages to rates that, that are shocking to me. Um, you know, that’s, that’s a big issue. You know, you don’t see it as much in the middle of the country, but you do see it on the coast and particularly in the, on the West Coast. So, you know, if we’re looking at projections, say into 2026 and, and perhaps beyond, we expect in many cases to be seeing higher growth in wage expenses than we expect to see growth in RevPAR, which is room revenue, preoccupied room, which is just occupancy times average daily rate. So the, the overall revenue is expected, at least in the short term, to grow more slowly. Than expenses and, and wages are really driving a lot of it. And then anything that’s affected by wages, so insurance, for example, property taxes, other expenses are really growing at this stage more than what we’ve seen in terms of revenue growth. So that’s, that’s a challenge right now. The, the question I think really then is how much will AI affect that and to what extent will guests become more comfortable with checking in? On an iPad type of a situation as opposed to seeing a person face to face, and there’s probably generational differences there. What it is forcing hotel operators to do is the same kinds of things that restaurant operators have been forced to do, which is find ways to use technology and actually have the guests face the technology and get the guests comfortable with that. In terms of things like check in and check out, you know, but still in hotels the rooms have to be cleaned and, and although there’s robots that. You know, they’re nowhere near what, where they need to be to actually clean Hotel guestroom jet, at least in any sort of economically viable way. But, you know, the long-term question is to what extent will the industry be adopting AI and other technology in order to address that issue? Because that’s what’s going to happen. It’s, it’s, you know, it’s not just going to be a situation where. The operators will accept paying higher wages and have the same number of employees in each hotel. Right. Um, branding, you know, sort of confusing to a lot of people. Not in the space, but you know, what role do hotel brands actually kind of play in, in protecting revenue and value? Um, and I guess when does a brand help an owner versus become a constraint? Yeah. You know, brands have been very important and, and I, I forget if I mentioned but of the, the big brand companies I’ve worked for three of them and, um. You know, they, they, they typically started as management companies. So originally companies like Hilton and Marriott primarily generated revenue through management fees. And so they own some of the real estate, although they’ve become asset light over the years and own very little, if any, anymore. Uh, but they do still manage hotels. So one thing that the brand companies do have is expertise in terms of management. That’s one of the fees that a branded hotel and a non-branded hotel would have as well, would be a management fee, which is usually expressed as a percentage of revenue. And sometimes there’s an incentive structure in there as well. But then there’s a franchise fee, which is just paying for the brand, and, and that’s usually as a percentage of total revenue, higher than the management fee. But what it does is it, it, it. Puts the property in a global distribution system, so the global distribution systems that brands like Marriott and Hilton and IHG and, and HIA have, uh, they. Generate heads and beds. You know, that’s, that’s the term we always, when I worked at Hyatt and Merritt, we always talked about heads and beds. Every night you’re trying to, trying to get people in the rooms. The brands do a lot to put heads and beds, you know, in a typical hotel with a good brand affiliation. Somewhere between probably a third and two thirds of the occupy rooms actually came in through the brand global distribution system, which historically was a toll free reservation system. And although the, you know, those still exist now, it’s really more of a focus on the online system and, and, and sometimes toll-free reservations and direct reservations. But, but that’s what the brand does. It, it, it ultimately is a generator of. So kind of just focusing on somebody who’s potentially thinking about hotels as an investment. So far, what I gleaned from you, and, and correct me if I’m wrong, is that timing probably isn’t perfect right now. We’re probably, you know, we’re probably in a, you know, a peak and you generally not a great idea to buy in peaks. Um. I personally, from what I understand, would stay outta California. You know, uh, you know, like my friend was saying that it was gonna make it very difficult for a lot of hotels to have their, you know, hotel restaurants even. And so he foresees like a lot of them having to close those down. Um, and then the, the next thing I think is, gosh, you really have to be cognizant of the, of the fact that, you know, work patterns are changing. And so maybe that’s not a good. Way to go, either. What other, what are some other big picture things that you think people ought to be thinking about as they evaluate the space? Yeah. Well, I think there’s a couple of things. One of which is. That is a street corner business. So it really depends on what street corner you’re in. Uh, I’ve done some research just on how hotels perform in university towns versus other locations because, for example, there are brands now called graduate hotels, which eventually was acquired by Hilton, uh, and, uh, scholar Hotels and, and these properties are university town hotels. They’re doing okay. You know, they’re, they’re doing okay. If you look at how universities operate, we’ve seen some Ivy League schools pay 60, $80 million or more just to make sure they keep that billion dollars a year coming in from the federal government that they, they get for research grants and, and we’ve seen, you know, look at what’s going on with NIL now in terms of, of university sports. Universities clearly are willing to. You gen willing to spend a lot of money to keep doing what they do, which is, you know, they, they generate a lot of research and I’m talking about. Big universities now, uh, you know, a lot of research and, and there’s a sporting business aspect to universities as well. So university towns are okay, and, and what I ultimately found in my research is they’re much less cyclical than the average. So, you know, we talk about the risk of hotels as things go up and things go down and things go up and down. That doesn’t happen as much in university towns. You know, big universities don’t close and, and don’t even substantially change their business model. So it really depends on, on where you’re located. And then there’s certain cities as well, you know, people, you know, I, I don’t have to go into detail about my last visit to San Francisco and how weird it was, and I was with students and, and told my female students don’t go out at night alone. I mean, it was, it was, it was really freaky, but. San Francisco now might be a place to invest. Now San Francisco probably has bottomed out. Uh, and the same might be true with New York. So, you know, it really depends on where you’re going. I, I think in general, yeah, you know, there’s, there’s concerns, but even so, you know, I think it’s still might be a good time to invest in. Good quality hotel companies, just, you know, in terms of the stock market and, and equity in, in businesses like Marriott and, and Hilton because their franchise fees and their management fees are a percentage of total revenue. So hotels that are not profitable, that are a member of those brand affiliations are still paying. Into those systems and you know, hopefully the goal is that these properties become profitable, but even while they’re not profitable, they owe franchise fees and in some cases management fees as well. So I think there are a lot of ways to still invest in the hotel business. It’s just what vehicles are being used and where. So, you know, it sounds a little overwhelming, um, for someone who, again, who’s new to the space. Any suggestions on how somebody might just learn more about this ecosystem and, you know, start to go down this path of potentially becoming, you know, a hotel investor? Yeah. Well, first thing is, you know, we talked about ai. AI is pretty good for helping people to learn. So if you wanna learn about the hotel business, you can go and have a really good conversation with chat GPT about what makes it click and where could the opportunities lie today. Uh, you know, I’ve gone over the past year from essentially not using AI at all to using it essentially every day. And so that’s a great way because that’ll access a lot of, there, there’s trade journals, for example, but it’ll access those things. Uh, the conference, like I went to last week, the America’s Lodging Investment Summit, which is in LA every year is a. Is a great place to learn as well. There’s, there’s wonderful sessions and that conference is attended by everybody from Anthony Capano, who’s the CEO of Marriott, down to people involved in real estate and investments in the hotels and, and who essentially make their living. Off of those as brokers, appraisers, consultants, asset managers and things like that. So, so there’s ways online to do it and there’s ways to do it actually by attending conferences as well. Yeah. A good broker as well. Right. I mean, you know, going back to my, my friend who, who’s become a very successful hotelier, the first one he bought, he threw a broker and he said he learned everything about hotels that he knows from that guy. Um. So that’s probably, it probably tells you something as well. Yeah. And, and there are some excellent hotel brokers. There’s some who are national in scope and some who are local in scope. So again, it depends on where you’re thinking you might wanna be investing. Uh, but, but there’s some great local brokers, but then there’s national firms like JLL and CBRE and Hunter, uh, that, you know, they have really good people who are very knowledgeable about the hotel business. Yeah. John, thanks so much for, uh, joining us here on Wealth Formula Podcast and giving us sort of an overview of the, uh, um, hotel, uh, real estate, uh, uh, asset class. You bet you make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed and again, uh, hey hotels. Think about it. I guess. Uh, I continue. I will continue to do so, uh, especially given my buddy’s success in this space. Um. Although, I will tell you, I probably am not a boutique hotel guy. Um, you know, I don’t, I don’t know that I could make it super fancy, you know? And then on the other hand, you hear about these, uh, hotels that are. For the people traveling through and they’re not doing this so great. So maybe wait till that we hit that, um, that trough that he was talking about, he said we’re kind of at a peak right now. Anyway, that’s it for me. Uh, this week on Wealth Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

Optimizing Brain Function at Midlife with cognitive neuroscientist Dr. Therese Huston. She details practical ways to harness brain science for improved functioning, especially for women at midlife. They discuss strategies from Dr. Huston's book, “Sharp: 14 Simple Ways to Improve Your Life with Brain Science,” addressing topics such as exercise, diet, sleep, humor, meditation, and innovative techniques like binaural beats and fixation-focused training. The conversation also emphasizes the unique challenges faced by women aged 40-60 and offers scientifically-backed methods to enhance cognitive performance and manage stress effectively.

Dr. Hoffman continues his conversation with cognitive neuroscientist Dr. Therese Huston, author of “Sharp: 14 Simple Ways to Improve Your Life with Brain Science.” 

On today's episode, Joe, Prez and Art discuss today's sharp action, NFL Futures, NBA, college basketball and more!00:00 INTRODUCTION00:39 HOW DID THE SPORTSBOOKS DO WITH THE SUPER BOWL?08:36 SHARP PLAYS TODAY IN CBB-NBA11:33 FUTURE BETS FOR NFL 202715:29 PARLAY OF THE DAY22:28 TODAY'S BEST BETS24:44 NBA RUNDOWN26:58 CBB RUNDOWN29:23 MAILBAG! VIEWER QUESTIONS

About the Guest:Sanjay Gupta comes from a family of trailblazers. His mother, the first woman engineer hired at Ford Motor Company—a refugee who fled India at age 5—took Dale Carnegie courses to conquer public speaking fears, making How to Win Friends and Influence People a family staple. Inspired by her grit, Sanjay pursued neuroscience early, became a White House fellow, and joined CNN just before 9/11, evolving from healthcare wonk to global reporter on wars, disasters, and outbreaks—while still operating in war zones.That's why Sanjay is CNN's Chief Medical Correspondent, a practicing neurosurgeon at Emory, a bestselling author (Keep Sharp), and a Dale Carnegie graduate. He credits the course (taken at 16–17) for turning speaking terror into TV poise for millions. Hear more about blending medicine, media, and mentorship when you listen to this episode of the Dale Carnegie Taking Commandpodcast.What You Will Learn:Insights into how family resilience shapes bold careersLessons in humility as a leadership superpower ("Say 'I don't know'—it galvanizes teams")Stories about Dale Carnegie's hacks like using names and unsolicited praise notesThe hard truth on brain health: movement grows neurons, but brisk walks beat sprints for optimal resultsJoin us for this deep dive into balancing dual careers, learning from everyone, and optimizing your mind for peak performance. Sanjay isn't just a reporter—he's a perpetual student turning lessons into action. Tune in today to learn from one of the best. Please rate and review this Episode!We'd love to hear from you! Leaving a review helps us ensure we deliver content that resonates with you. Your feedback can inspire others to join our Take Command: A Dale Carnegie Podcast community & benefit from the leadership insights we share.

The Winter Olympics are facing an awkward little problem: winter is increasingly unreliable. In this episode of Mark and Pete, we explore the growing concern that the Winter Games may not have a long-term future, thanks to warming temperatures, shrinking snow seasons, and the rising cost of staging a global sporting spectacle in an era where snow has become a luxury item.It's a story that sounds absurd at first, almost like satire. How can the Winter Olympics exist without winter? Yet the facts are stacking up. Fewer countries are willing or able to host the Games, and even traditional alpine venues are struggling with shorter snow seasons, higher freezing lines, and the increasing dependence on artificial snow. Ski slopes once famous for natural snowfall are now being kept alive with snow cannons, refrigerated tracks, and industrial-scale infrastructure that feels less like sport and more like an engineering project.We discuss how climate change, economics, and modern bureaucracy are colliding in real time. Hosting the Olympics is already ruinously expensive, and now the basic requirement of snow is no longer guaranteed. Could the Games be forced into a permanent rotation between only a handful of cold-weather nations? Could indoor mega-domes become the future of winter sport? Or will the Olympics simply shrink, retreating into something smaller, more regional, and less grand?Along the way, Mark brings his poetic take on the disappearing season, while Pete offers a Christian worldview perspective, asking what it says about modern civilisation that we increasingly live in a synthetic world of manufactured experiences. Even nature itself is being replaced with artificial substitutes, while the organisers insist everything is “sustainable.”Sharp commentary, British humour, cultural reflection, and a touch of theological realism—this is The Winter (Olympics) of Discontent.

Dan Sharp, Professor at The Robert E. Webber Institute for Worship Studies, joins David Fry, David Hartkopf, and Johnathan Arnold to discuss the Christian year (the liturgical calendar) and how it can deepen our worship of God. Dr. Sharp is the author of Advent to Ashes: Scripture, Commentary, Music, and Prayer Devotional For Each Day of the Christian Year (Covenant Books, 2025). Support the show

 In this powerful episode, Dr. Vaughn & Dr. Joshua discuss genetics vs. terrain. What if your “genetic” illness is really inherited toxicity?- Why environment, terrain, and toxins matter more than your genes- How glyphosate, farm chemicals, and vaccines impact the gut, collagen, and immune system- The difference between symptom management and true healing & restoration- A biblical perspective on health, stewardship of the body, and spiritual warfare in medicinePRACTICAL FIRST STEPS TO HEAL:Clean up your diet (whole foods, fewer processed foods and seed oils)Get sunshine, movement, and fresh airUse key supplements (minerals, vitamins, glutathione, binders, probiotics)How to start detoxing kids and families safely and support vaccine-injured or toxic kidsWhy involving the whole family in lifestyle change leads to generational blessing To find out how we can help you on your health journey, book a free 15-minute Discovery Call with one of our New Client Coordinators! Click the link: https://www.spiritofhealthkc.com/discoverycall For more health tips and information visit: https://www.spiritofhealthkc.com/To buy natural health supplements visit: http://store.spiritofhealthkc.com Facebook: https://www.facebook.com/SpiritofHealth/ Instagram: https://www.instagram.com/spiritofhealthkc/ Pinterest: https://www.pinterest.com/spiritofhealthkc/YouTube: https://www.youtube.com/channel/UCwRcNSxR3kMYi9wP8OmxlQQ Spotify: https://open.spotify.com/show/7yfBBUjWKk3yJ3auK71O7H?si=295c77ed21f14568&nd=1&dlsi=af01c00121ed4aed

Is Keir Starmer already on his last legs, or is he exactly the kind of leader modern Britain deserves: bland, managerial, and strangely unkillable? In this episode of Mark and Pete, we take a sharp (and mildly sarcastic) look at the Prime Minister's growing credibility problem, and ask whether Labour is quietly heading toward another internal panic.Starmer was sold as the competent adult in the room, the calm lawyer who would restore order after years of political circus. But instead of Churchillian grit, we've been given something closer to a Human Resources memo with a haircut. He's cautious, polished, and relentlessly careful… yet the country feels like it's wobbling on the edge of something much darker than “policy disagreements.”We explore why Starmer increasingly gives off the impression of a leader who is not steering events, but reacting to them. Is he trapped between factions inside Labour, trying to keep the activist wing happy while reassuring the wider public? Is he losing the confidence of working-class voters who once formed Labour's backbone? Or is he simply the latest example of what Hannah Arendt called “the banality of evil”: a technocratic, bureaucratic type of leadership that isn't flamboyantly wicked, but quietly hollow?Mark brings his usual poetic fire, while Pete brings a Christian worldview lens, asking the deeper question: can a nation survive on management language alone? Because Britain doesn't just need competence. It needs conviction, truth, moral courage, and a sense of purpose bigger than economic spreadsheets and government slogans.Along the way we touch on Labour party dynamics, leadership alternatives, media narratives, public mood, and why so many people feel politically homeless in the UK today. If Starmer falls, what replaces him? And if he survives, what does that say about the state of British democracy?Sharp analysis, dark humour, and a Bible verse to keep us honest. Welcome back to Mark and Pete.

The show begins with an update from Summit County Health Department Director Phil Bondurant on an immigration-related health care bill proposal from lawmakers, a rise in measles vaccinations and the good news in the SHARP survey results. Then, Park City Sister City Association board members Tina Quayle and Karri Walzer,, along with student Maizy Binger talk about the upcoming student cultural exchange in Courchevel, France, and finally, Park City Education Foundation leaders discuss preschool openings, $175K in student scholarships and the streamlining of its key initiatives.

Over the coming months and through our study of the book of Hebrews, we aim to meditate frequently on the glory of Jesus Christ. May our souls be revived by a constant view of his glory - in this book which invites us to consider Christ Jesus, the exalted Savior of weary pilgrims like us. This week we look to Hebrews 13:7-19."The most dangerous person of all is the one who does not emphasize the right things." - D. Martyn Lloyd-JonesLife Group Discussion Questions: lifechurchnc.com/hebrewsLife Church exists to glorify God by making disciples who treasure Christ, grow together, and live on mission. Salisbury, NCFollow us online:lifechurchnc.comFacebookInstagramYouTubeTwitter

How do market structure, historical trends, and game flow shape the Super Bowl? In this Sharp Squares episode, the team breaks down defensive control, public behavior, seeding narratives, and second-half volatility to explain how games evolve rather than who wins. The conversation focuses on structure versus chaos, efficiency versus variance, and why margins often tighten late. This episode is about understanding the game beneath the scoreboard.

Tonight, we're breaking down Donald Trump's racist Truth Social post depicting Barack Obama and Michelle Obama as apes. Yes, the White House has since pulled it down. Yes, a few Republicans are suddenly clutching their pearls. But this is hardly the first time Trump has trafficked in overt racism. So the real question isn't whether the post was offensive (it was). The question is when, if ever, will the MAGA movement actually condemn the racism Trump dishes out on a near-daily basis? Or is this just another moment they'll excuse, deflect from, and move past until the next outrage? To break it all down, Don is joined by a stacked panel: Hasan Piker, Akilah Hughes, Katie Phang, Charles Coleman, and Ana Navarro. Sharp takes, real talk, and zero tolerance for excuses.

It's the episode you've been waiting for. Joe Pulizzi and Robert Rose bring together their favorite rants and raves in one fast-moving supercut that tackles the biggest questions facing marketers and creators right now. Is print really making a comeback, or are we just nostalgic for a slower, more thoughtful era of media? Why does everyone seem so certain in a world that's becoming more complex by the day? And is "thoughtful marketing" finally ready for its return after years of hacks, shortcuts, and algorithm chasing? The guys also dig into a question every content team should be asking: Is content actually broken, or is the real problem your org chart? Along the way, Joe and Robert explore what might be the next great opportunity for marketers and content entrepreneurs who are willing to zig while everyone else zags. Big ideas. Sharp opinions. A few laughs. And plenty to argue about on your next walk or commute. You don't want to miss this one. Subscribe and Follow: Follow Joe Pulizzi and Robert Rose on LinkedIn for insights, hot takes, and weekly updates from the world of content and marketing.  ------- This week's sponsor: Did you know that most businesses only use 20% of their data? That's like reading a book with most of the pages torn out. Point is, you miss a lot. Unless you use HubSpot. Their customer platform gives you access to the data you need to grow your business. The insights trapped in emails, call logs, and transcripts.  All that unstructured data that makes all the difference. Because when you know more, you grow more. Visit https://www.hubspot.com/ to hear how HubSpot can help you grow better. ------- Get all the show notes: https://www.thisoldmarketing.com/ Get Joe's new book, Burn the Playbook, at http://www.joepulizzi.com/books/burn-the-playbook/ Subscribe to Joe's Newsletter at https://www.joepulizzi.com/signup/. Get Robert Rose's new book, Valuable Friction, at https://robertrose.net/valuable-friction/  Subscribe to Robert's Newsletter at https://seventhbearlens.substack.com/ ------- This Old Marketing is part of the HubSpot Podcast Network: https://www.hubspot.com/podcastnetwork

IT'S FOOTBALL FRIDAY! On Friday's LOADED edition of WagerTalk Today, Teddy Covers talks the Super Bowl LX matchup, Seattle Seahawks vs New England Patriots and gives a best bet in NBA Action in the Heat vs Celtics matchup.  Marco D'Angelo shares how he's betting the Patriots vs Seahawks Super Bowl 60 game and gives a best bet in UConn vs St. John's. Hosts Andy Lang & Steve Merril provide props, picks, full Super Bowl prop picks and give daily betting advice - don't miss out!0:00 - Intro0:45 - Steve Merril1:45 - WTF LFG4:30 - Gianni the Greek8:00 - Sharp props13:00 - Public vs. Sharp15:30 - CBB & NBA18:00 - Sharp Prop Volume19:30 - Novelty props22:45 - Promos23:30 - Teddy Covers NBa29:50 - Heat/Celtics36:00 - Sell me LAC/SAC42:00 - Steve's offers44:30 -- Skiing scandal48:00 - Marco UConn/St. Johns52:00 - Super Bowl MVP57:00 - Sauce of the week1:06:30 - All Around the World

On today's episode, Joe, Steve and Art discuss sharp action in the NBA, college basketball, big prop bets in the Super Bowl and more!00:00 INTRODUCTION01:34 UPDATED SUPER BOWL ODDS | LINE MOVES EXPECTED04:28 BIG PROP BETS | LINE MOVES FOR SUPER BOWL17:12 SHARP BETS TODAY NBA-CBB-NHL | MLB WIN TOTALS20:06 PARLAY OF THE DAY25:10 TODAY'S BEST BETS27:46 NBA RUNDOWN29:51 CBB RUNDOWN

In the first episode of 2026, we're bringing you a fresh conversation that sits at the intersection of purpose and performance.Join us in The BreakLine Arena to hear Justin Crocker, Head of People & Talent of the a16z-backed startup, Sharp Performance, pull back the curtain on his strategy for building high-caliber teams. Justin discusses his career and the key decision-making variables along the way, what the team at Sharp Performance is building for their front-line customers in high-risk jobs, and how the team hires with an incredibly high bar. In this episode, Justin joins Zayn Knaub in The BreakLine Arena to pull apart the “black box' of high-stakes hiring, team-building, and post-military careers.From out of the dense, directionless fog of transitioning out of service to leading a team that is “literally saving and changing people's lives,” don't miss his gems about building for longevity, not just short-term performance.If you're a visionary founder or a purpose-driven top performer building the future with clarity, community, and access to the most ambitious companies in America, join us!Learn more about our Effects-Based Hiring approach here: BreakLine.org

Today on Mega Dads Live Antonio finally draws his blade with Sucker Punch Productions' Ghost of Tsushima for the PC

#seahawks #newenglandpatriots 0:00-29:39 LETS TALK ABOUT THE PATH 29:40-39:00 PICKS / MVP PICKS 39:01-40:15 THANK YOU / SIGNING OFF Join TruExact, Sir, Naz, Tim, & Mike every week to break down and discuss the NFL! Follow us @TRUEXACTRADIO . Subscribe and Like.. @NAZ.HUNDO @M_JADY

Ari Esmaili “Ketamine” Looking At The Complete Picture”

On today's episode, Joe, Steve and Art discuss updated Super Bowl LX expected line moves, sharp action in the NBA, college basketball and more!00:00 INTRODUCT ION01:09 UPDATED SUPER BOWL ODDS | LINE MOVES EXPECTED04:50 BIG PROP BETS | LINE MOVES FOR SUPER BOWL12:01 SHARP BETS TODAY NBA-CBB-NHL14:11 PARLAY OF THE DAY20:34 TODAY'S BEST BETS30:21 NBA RUNDOWN34:40 CBB RUNDOWN

This week on the Sharp 600, we're breaking down Super Bowl LX with expert insights and winning strategies!

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comPhew. I need to write about something else apart from silver and gold. But I have to look at the price action we have seen this week, and I will say this. It was violent. Extraordinary, even. But it wasn't necessarily bearish.Sharp sell-offs like those we saw on Friday and Monday are characteristic of bull markets. In bear markets, corrections are grinding and protracted. Selling pressure is persistent. Value erodes slowly amid deteriorating fundamentals.Bull markets behave differently. They flush. Explosively.Late entrants and overleveraged speculators get shaken out. Stops are tight. Everyone is climbing the wall of worry. When a correction comes, a cascade of stop losses gets triggered all at once. Hence the violence.BTW the latest Atlas Pulse came out on Friday, as level-headed as always. It's the best gold and silver newsletter out there, in my view. Get your copy here - it's free.This is not just a precious-metals phenomenon. It's a broader market truism. I've seen it in equities, other commodities, you get it all the time in tech - especially bitcoin. Indeed the action we are seeing in bitcoin at the moment is typical of a bear market. The selling is grinding and relentless, rather than sharp and explosive.What's more the gold and silver miners behaved well, and in a way that is consistent with a bull market flush. Yes, they saw significant selling. But gold corrected 21% and silver 41%. GDX (the large mining companies) only corrected 19% and SIL (the large silvers) 24%. Most importantly, they recovered faster. You would not have got a bounce like that in a bear market.The relative strength is telling. If this were a reversal, the miners would have sold off by more. They didn't.If you live in a third world country such as the UK, I urge you to own gold or silver. The pound will be further devalued, as will the euro and dollar. The bullion dealer I recommend is The Pure Gold Company. More here.What's more, theh miners only need $4,000 gold and $50 silver to be highly profitable. But if higher prices are the new normal, then a lot of previously uneconomic mines - particularly the low-grade, bulk-tonnage in Canada - are going to become economic. Heck, even STLLR Gold (TSX.STLR) might work. I should probably delete that last sentence.How the landscape has changed from a couple of years ago.Such huge potential, but …In other news, I sat through the Comstock Inc (AMEX:LODE) conference call yesterday. An hour of my life I won't get back.The asymmetric potential of this company remains enormous. But that call was a red flag bonanza.With the silver story what it is, and a clear path for this company to become North America's largest silver producer, this stock should be trading above $15.

In this episode of ScreenTone Club Elliot and Andy discuss the thorny issues that are too-often taboo in our society: Religion, Money, and... Bicycle Maintainance? Series Discussed: Takahashi from the Bike Shop, You Can't Bluff the Sharp-Eyed SisterAssignments for next Episode: You and I are Polar Opposites, Maid to SkateTIMECODES:0:01:45 - Lewd0:02:00 - Andy's Pick: You Can't Bluff the Sharp-Eyed Sister0:09:00 - Elliot uses any excuse to reference The Mentalist0:14:15 - “Why does everyone have special powers?”0:17:45 - Main Male Character says “I am NOT JINSHI”0:21:00 - KManga version - different translation!0:24:00 - Conclave 2: What if the Pope was hot?0:27:00 - Giving ourselves brainworms0:27:45 - Elliot's Pick: Takahashi from the Bike Shop0:29:15 - Please add “Deep Impact” to Umamusume kthx0:31:45 - “A Nice Little Smooch”0:35:45 - The constraint of “not fitting in”0:46:00 - Our Picks for Next Episode!0:47:45 - Closedown! If you enjoy this episode, please consider backing us on Patreon - from only US$3 a month you get bonus episodes and other perks as well, including the ability to vote on topics for us to cover!We have a Discord! Join us!We are affiliates on BookWalker - using this link when shopping there will give us a small kickback, helping cover the cost of manga for the podcast!The intro music is Track 8 on Resting State by HOME, used here under the CC-BY 3.0 license.

Just because something has big teeth doesn't mean it eats meat. Even today, fruit bats and grass eating monkeys have sharp teeth, but they eat fruit and grass.

Welcome to Shooting Sharp with Mike Rossi, Episode 44 - the Royal Rumble Aftermath Mike is back to run down everything that happened at the Royal Rumble in Riyadh. What did every one of the 60 people in the two Rumble matches get out of being in these matches? Some got a lot, some got a little, but Mike explains how he saw it for everyone for both today and the road to Wrestlemania.  Catch Shooting Sharp every Tuesday on the North South Connection Podcast Network!

Watch me program for a Masters CrossFit Games Athlete (Real Client Case Study) with limited time to train. » Watch on YouTube: https://youtu.be/vesZ_ZI8AhE» View All Episodes: https://zoarfitness.com/podcast/» Hire a Coach: https://www.zoarfitness.com/coach/» Shop Programs: https://www.zoarfitness.com/product-category/downloads/» Follow ZOAR Fitness on Instagram: https://www.instagram.com/zoarfitness/Support the show

On this episode of Crosspolitic One-on-One, Gabe welcomes Jeff Casey (co-founder of Land Run Distillery) on to talk about the contentious issue of Christians owning distilleries and engaging with alcohol and why reclaiming God's "sharp things" matters for faithful cultural engagement and demonstrating biblical stewardship in business. ABOUT CROSSPOLITIC CrossPolitic exists to put Jesus over Politics and reclaim the public square through bold, joyful, biblically grounded media. We confront the chaos discipling America and build the next generation of Christian media infrastructure. Our mission is simple: all of Christ for all of media for all of America. Mainstream media is collapsing. Eighty-seven percent of journalists identify as progressive, and even many conservative outlets prioritize profit over principle. Meanwhile, billions of hours of digital content are discipling the world every day. CrossPolitic stands in that gap, producing courageous, entertaining, truth-filled media for households, churches, and leaders across the nation. Become a CrossPolitic Club Member Support the mission and unlock exclusive content, behind-the-scenes shows, and theology series. https://pubtv.flfnetwork.com/menu/checkout Subscribe & Share! Every like, comment, and share helps push Christian media back into the algorithm where it belongs. Join Us at Our Next National Conference Sign up for Fight Laugh Feast 2026: Holy Wars and lock in Early Bird pricing. https://tickets.flfnetwork.com/holy-wars-conference Follow CrossPolitic YouTube: https://www.youtube.com/@CROSSPOLITIC X: https://x.com/CrossPolitic Facebook: https://facebook.com/crosspolitic Instagram: https://instagram.com/crosspolitic Join our Email List: https://crosspolitic.com/ Available on Apple Podcasts, Spotify, NRBTV, DirecTV, Dish, and everywhere podcasts are found.

On this episode of Crosspolitic One-on-One, Gabe welcomes Jeff Casey (co-founder of Land Run Distillery) on to talk about the contentious issue of Christians owning distilleries and engaging with alcohol and why reclaiming God's "sharp things" matters for faithful cultural engagement and demonstrating biblical stewardship in business. ABOUT CROSSPOLITIC CrossPolitic exists to put Jesus over Politics and reclaim the public square through bold, joyful, biblically grounded media. We confront the chaos discipling America and build the next generation of Christian media infrastructure. Our mission is simple: all of Christ for all of media for all of America. Mainstream media is collapsing. Eighty-seven percent of journalists identify as progressive, and even many conservative outlets prioritize profit over principle. Meanwhile, billions of hours of digital content are discipling the world every day. CrossPolitic stands in that gap, producing courageous, entertaining, truth-filled media for households, churches, and leaders across the nation. Become a CrossPolitic Club Member Support the mission and unlock exclusive content, behind-the-scenes shows, and theology series. https://pubtv.flfnetwork.com/menu/checkout Subscribe & Share! Every like, comment, and share helps push Christian media back into the algorithm where it belongs. Join Us at Our Next National Conference Sign up for Fight Laugh Feast 2026: Holy Wars and lock in Early Bird pricing. https://tickets.flfnetwork.com/holy-wars-conference Follow CrossPolitic YouTube: https://www.youtube.com/@CROSSPOLITIC X: https://x.com/CrossPolitic Facebook: https://facebook.com/crosspolitic Instagram: https://instagram.com/crosspolitic Join our Email List: https://crosspolitic.com/ Available on Apple Podcasts, Spotify, NRBTV, DirecTV, Dish, and everywhere podcasts are found.

We return to the world of Cryptids this episode as I welcome author, Bigfoot enthusiast, experiencer and host of the brilliant Sasquatch Odyssey Brian King-Sharp to the show. Brian had a childhood encounter with something that escorted him out of the woods and despite a professional respite when serving as a Police Officer, the lure of Bigfoot has pulled him back to the subject. His show is a wonderful repository of Bigfoot witnesses sharing their experiences in the safe space Brian has created to enable people to talk without fear of ridicule and we dive in to his experiences and the subject with gusto! Brian's books can be found here:Sasquatch Odyssey can be found here:A big thank you to Brian for joining me. Our Patreon is live, if you want to support the show and get Ad-Free episodes, bonus content, early release of the regular show and monthly prizes for everyone who signs up!Join now for $4 a month!You can also support the show by leaving a review to help spread the word.Don't forget, you can now show your support with our brand new Merchandise shop on Tee-Public!Click here for all the show merch!You can join us on Facebook and Instagram as well.You can also subscribe to our YouTube channel!Email us at mysteriesandmonsters@gmail.com with any feedback, guest suggestions or if you'd like to appear.           All artwork by Dean Bestall and the show was produced by Brennan Storr of the Ghost Story Guys. Our theme music is kindly provided by the amazing Weary Pines, you can find them here:  Intro - Zombies Ate My Shotgun     Outro - Into The Night #BrianKingSharp #Sasquatch #SasquatchOdyssey #Bigfoot #Cryptids #Cryptozoology #AreaX #NorthCarolina #DrJeffMeldrum #CliffBarackman #MyBigfootLife #Mysteries #Unsolved #AFlashOfBeauty #ToddStanding #Radium #BritishColombia #Radium

Large loud white and grey bird with a sharp yellow beak and the confidence of someone who owns the entire coastline. Sharp minded messy comedic and fearless. Learn more about your ad choices. Visit podcastchoices.com/adchoices

From all accounts that the 94 WIP Morning Show has heard, Sean Mannion is a sharp guy with some great experience as a backup quarterback in the NFL. He spent most of his career preparing to be a coach, absorbing any info to "weaponize it" later in his career.

Joe Ostrowski and Sam Panayotovich dive into Super Bowl prop season as the board opens, breaking down what professional bettors actually look for and where early sharp angles are showing up (00:00-24:20). The guys run through a handful of prop ideas, debate whether Jaxon Smith-Njigba can win over Sam Darnold, and react to ESPN experts piling onto Seattle (24:20-36:15). Plus, some much-needed perspective on exhausting Bill Belichick hot takes — and the show wraps with Sam sharing his smoked pulled pork tips just in time for Super Bowl Sunday (36:15-45:44).

This week on the Sharp 600, we're breaking down Super Bowl LX with expert insights and winning strategies!

In this episode of The Art of Being Well, Dr. Will Cole sits down with orthopedic surgeon and longevity expert Dr. Vonda Wright to explore the critical role of bone and muscle in healthy aging. They discuss why bone density matters far beyond fracture risk, how muscle contraction influences longevity, and what it really takes to build strength, resilience, and healthspan as we age. For all links mentioned in this episode, visit www.drwillcole.com/podcast. Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Visit Seatopia.fish/tabw and receive FREE Caviar with your first purchase. Take your food to the next level with Graza Olive Oil. Visit https://graza.co/WILLCOLE and use promo code WILLCOLE today for 10% off your first order!Go to DRINKAG1.com/WILLCOLE to get their best offer... get 3 FREE AG1 Travel Packs and 3 FREE AGZ Travel Packs, plus FREE Vitamin D3+K2 and AG1 Welcome Kit with your first AG1 subscription order!If you want to find ways to “giveback” to others and fuel your body and your brain, Mosh bars are the perfect choice for you. Head to moshlife.com/WILLCOLE to save 20% off plus FREE shipping on either the Best Sellers Trial Pack or the new Plant Based Trial Pack.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As dust settles after the deadly protests in Iran, the Anchormen debate Iranian political analyst Ali Alizadeh.  He argues sanctions crippled Iran's economy, which fueled unrest. Over 3,000 people were killed… yet the sanctions remain.  So what happens next? Do Iranians really want American intervention? Will the U.S. engage in yet another failed Middle East regime change war? Can the uprising be Iran's Tiananmen Square moment? Or is real change in Iran just a desert mirage?