Podcasts about SMA

Jürgen Reinart, the CEO of inverter giant SMA, on why the grid can function without spinning machines, and why it quit the Australian home market. Plus: Is AEMO changing course on VPPs, and other news of the week.

Halo sobat kreatif…di episode KamisTeri kali ini, giliran penyiar kita sendiri, Fikri, yang bakal cerita pengalaman horor waktu masih SMA.Semua berawal saat kegiatan Perjusa dan LDK yang seharusnya jadi momen seru bersama teman-teman.Tapi suasana berubah mencekam ketika satu peserta tiba-tiba kesurupan.Nggak berhenti di situ, kesurupannya justru nyamber ke peserta lain satu per satu.Teriakan, tangisan, dan kepanikan mulai memenuhi area perkemahan.Malam yang awalnya penuh canda berubah jadi pengalaman yang nggak akan pernah dilupakan.Apa sebenarnya yang terjadi malam itu?Dan bagaimana rasanya berada di tengah kesurupan massal yang terus menyebar?Dengerin cerita lengkapnya di KamisTeri.Karena di KamisTeri…kamu nggak sendirian.Penyiar: FikriTamu: JiraOperator: BillyMusic Director: FattaahEditor: IlhamJangan lupa follow kita ya!Instagram: @polimedia_radioTikTok: @polimediaradio

Rachel Dashiell with Charles Schwab turns to the S&P 500 (SPX) breaking below its 20-day SMA and why the sell-off is significant following the index's sharp tech-led rally. In equity movers, Rachel is watching a potential $40 upside move in Ouster (OUST) and eyes W.W. Grainger's (GWW) breakout to new all-time highs. ======== 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 – 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

UnitedHealth (UNH) shares experienced a healthy repricing but have recovered 25% year-over-year. Charles Schwab's Kevin Horner shows that the comeback continues to be supported by the 200-day SMA. Kevin walks investors through the 90-day and one-year charts to show key support and resistance he sees in the charts. ======== 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 – 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

Prosper Trading Academy's Scott Bauer starts today's Big 3 by highlighting Arista Networks (ANET), noting the stock has rallied and filled a major gap from earnings. He then turns to the SPDR Gold Shares ETF (GLD) and its downtrend from the 200-day SMA and likes Dollar General (DG) as a potential earnings opportunity. Scott offers example options trades for his picks and Rick Ducat walks us through key technicals in the stock charts.======== 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

Jawaban benar siswa SMA diberi nilai minus oleh juri MPR. Mengapa orang Indonesia begitu takut mengakui kesalahan?

Send us Fan MailOn this episode of the Stories to Create Podcast, Cornell Bunting sits down with Shalonda Washington — award-winning entrepreneur, transformation speaker, mindset coach, nonprofit leader, and respected businesswoman known throughout Southwest Florida as “The Permit Queen.”With more than 30 years of experience as the CEO and Founder of Reliable Permitting & BSS, Shalonda has built a reputation as a trusted expert in construction administration and building permitting, helping contractors, homeowners, realtors, investors, and business professionals navigate complex processes and achieve success.Beyond business, Shalonda is passionate about empowering others to rise above obstacles, unlock their full potential, and pursue purpose-driven lives. As a sought-after transformation speaker and mindset coach, she shares powerful insights across business, nonprofit leadership, women's empowerment, and personal growth.In this inspiring conversation, Shalonda opens up about entrepreneurship, resilience, overcoming adversity, leadership, family, faith, and what it means to continue climbing while lifting others along the way.A proud wife of 31 years, mother of five, grandmother, and community leader, Shalonda also co-leads a nonprofit ministry alongside her husband, serving youth and families in the Immokalee community. Through her initiative, A Day With Sho, she continues creating spaces designed to elevate and empower women in business and leadership.Recognized for her impact through numerous awards and nominations and celebrated for her remarkable journey from challenge to achievement, Shalonda Washington reminds us that resilience, vision, and purpose can create extraordinary outcomes.This episode is filled with wisdom, inspiration, and practical insight for entrepreneurs, leaders, and anyone striving to build a life of impact.Because here on the Stories to Create Podcast… we do not just tell stories—We create them. Support the showThank you for tuning in with EHAS CLUB - Stories to Create Podcast

What if retirement in Mexico became the beginning of your most creative and fulfilling chapter? In this episode of Live by Design -  Mexico Edition, host Taniel Chemsian sits down with Patrice Wynne-Pérez, an entrepreneur and longtime resident of San Miguel de Allende, to explore how moving abroad opened the door to reinvention, lifelong learning, and meaningful work later in life. Patrice shares how she transitioned from working in bookstores in California to building a thriving boutique and bookstore in Mexico, while navigating local banking systems, adapting to a new culture, and creating strong community connections. Together, they discuss the importance of courage, curiosity, and staying open to new experiences as we age - and why retirement can become a time of growth instead of slowing down. If you're considering retiring in Mexico, dreaming about starting over with more freedom and purpose, or curious about living in San Miguel de Allende as an expat, this episode offers real-life inspiration, practical insight, and honest encouragement to help you design a life that feels vibrant, connected, and truly your own. Key Moments:  05:24 Adapting to life in San Miguel 08:25 Starting Gaia Boutique San Miguel 11:09 San Miguel literary festival 15:49 Encouragement for moving to Mexico 16:32 Regret over unfulfilled dreams 20:25 Benefits of lifelong learning How to contact Patrice Wynne-Pérez :  FACEBOOK: https://www.facebook.com/share/1Lq5Tq3na8/?mibextid=wwXIfr Abrazos Boutique y Librería SMA: https://www.facebook.com/share/1G3Pi2gWPL/?mibextid=wwXIfr Patrice's Instagram: https://www.instagram.com/sanmiguelpatrice?igsh=MXFsbThmeGRwYnFjMA%3D%3D&utm_source=qr Abrazos Boutique y Librería SMA: https://www.instagram.com/abrazossma?igsh=MWExNWwybWZ5ODc5NQ%3D%3D&utm_source=qr WEBSITE: https://sanmigueldesigns.com/ Feeling overwhelmed about buying in Mexico? Chat TCP, our AI-powered assistant, guides you to stress-free homeownership. Click here to start using Chat TCP: https://tanielchemsian.com/chat-tcp/?utm_source=youtube_lbd_mex   Want to own a home in Mexico? Start your journey with confidence - download your FREE “Buyer's Guide” now for expert tips and clear steps to make it happen! Click here - https://tanielchemsian.com/buyers-gui...   Discover why everyone is falling in love with Puerto Vallarta real estate: https://tanielchemsian.com/puerto-vallarta-real-estate/   Join the ‘Taniel Chemsian Properties' YouTube channel to learn what you need to know about Puerto Vallarta real estate. https://www.youtube.com/@TanielChemsian   Join our ‘Live By Design: Mexico Edition' podcast: Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/0VfClD5... Amazon: https://music.amazon.com/podcasts/032... YouTube: https://www.youtube.com/@livebydesignmexicoedition   Contact Information: Email: info@tanielchemsian.com Website: https://tanielchemsian.com/ Mex Office: +52.322.688.7435 USA/CAN Office: +1.323.798.8893  

In episode 158, host Kevin Schaefer talks with Alberto Lopez from Los Angeles County, California. Alberto is a consultant and a father of three daughters, one of whom has SMA. He discusses adapting to his daughter's diagnosis years ago, connecting with the SMA community, and navigating life as a single parent. Alberto's mindset is one of optimism and communication, which is something he hopes to help others in the SMA community strive toward. ================================ To take part in our ongoing discussions regarding SMA, please visit www.smanewstoday.com/forums

Ha nincs It-csapatod, segít a digitalizációs asszisztens Az osztrák Greenpeace szerint példát kéne venni Magyarországtól az azbesztszennyezés kezelésében Egyre többen utaznak jegy nélkül a fővárosi járatokon Változtat a Google, mindenkit érint: megszűnik a webes keresés eddig ismert formája Történelmi pillanatok: Magyarországon először szűrtek ki embrióból súlyos SMA betegséget Megszünteti az SMS-sel történő többfaktoros azonosítás lehetőségét a Microsoft Vietnámból és Kambodzsából jönnek a Facebookot elárasztó bizarr magyar politikai álhírek A magyar cégek 80 százaléka nem szabályozza az Mi munkahelyi használatát Előfordulhat, hogy egyszer majd robotok gondoskodhatnak az idősekről? A további adásainkat keresd a podcast.hirstart.hu oldalunkon. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ha nincs It-csapatod, segít a digitalizációs asszisztens Az osztrák Greenpeace szerint példát kéne venni Magyarországtól az azbesztszennyezés kezelésében Egyre többen utaznak jegy nélkül a fővárosi járatokon Változtat a Google, mindenkit érint: megszűnik a webes keresés eddig ismert formája Történelmi pillanatok: Magyarországon először szűrtek ki embrióból súlyos SMA betegséget Megszünteti az SMS-sel történő többfaktoros azonosítás lehetőségét a Microsoft Vietnámból és Kambodzsából jönnek a Facebookot elárasztó bizarr magyar politikai álhírek A magyar cégek 80 százaléka nem szabályozza az Mi munkahelyi használatát Előfordulhat, hogy egyszer majd robotok gondoskodhatnak az idősekről? A további adásainkat keresd a podcast.hirstart.hu oldalunkon. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Let's shift focus. Today we're not talking about your money personality, but your customers.  It's time to look at the type of customers you are and should be attracting and how this might affect your business.  Once you understand more about your customer's Money Archetypes you can create more impactful marketing and more valuable support and products.  Why do you need to know this? Well, marketing is all about motivation and sales is understanding who your customers are and what drives them. When you try to market to everyone, you won't get great results and it's hard to stand out when there's a lot of noise.  So the more you understand your customers and talk their language, the more effective your marketing message will be.   These insights are so valuable to help you achieve more sales, and get better at serving and helping your audience.  Listen to today's podcast episode for more on:  Identifying the 8 Money Archetypes amongst your customers   Why you might struggle or resist identifying your customer niche Understanding why certain customers buy or don't buy during a launch My tips for improving sales pages and order forms conversion depending on your customers' personality  Marketing tactics to make your offer stand out for your ideal customers  Find out more about SMA at denisedt.com/sma

Aprila smo na odru Španskih borcev videli premieri dveh predstav pod skupnim imenom dogodka Telesa identitete, identitete telesa, vsaka na svoj način sta tematizirali vzpostavljanje in razkrajanje identitete skozi telo in gibanje. Šlo je za predstavi Na začetku grške koreografinje Ermire Goro ter delo Povratek francoskega koreografa Smaïla Kanoutéja. Plesni diptih je hkrati tudi prvi projekt Mattie Casona, plesalca in koreografa, ki je pred kratkim postal novi umetniški vodja plesnega ansambla En-Knap.

Holding a significant portion of your wealth in one or a handful of individual stocks can be both exhilarating and nerve-wracking. While the rewards of watching a single company's meteoric rise can be life-changing, the risks of a lack of diversification are just as great. The problem is that liquidating these positions often means getting hit with daunting tax bills. We walk through practical solutions and the new tools now available to investors seeking diversification without immediate tax consequences.  The Real Risk of Concentration It's tempting to simply hang onto a winning stock, postponing taxes until you're in a lower bracket or retired. But over 90% of stocks underperform the market long term. Individual company fortunes can change abruptly—think Enron, Lehman Brothers, or stock collapses from $50 to $0.50. Banking your whole plan on one company's continued success is a risk that can jeopardize even the soundest of financial plans. Taking calculated steps to shift your assets, even if taxes are due eventually, is often essential for long-term stability. Modern Options for Tackling Concentrated Stock Technology and innovation in the investment industry are opening doors once reserved for the ultra-wealthy. Here are four tax-deferral solutions we discuss: 1. Exchange Funds Exchange funds allow investors to pool their highly appreciated stocks with others, resulting in a diversified basket—often 20–30 stocks. You maintain your original cost basis, and after a 7-year lock-up period, you can access a more diversified portfolio. There are usually high entry minimums ($250,000–$500,000) and the investor must be an accredited. It requires a long holding period and comes with added complexity, costs, and delayed K-1 tax forms. At the end, you still owe taxes if you sell, but you've reduced single-stock risk. 2. Section 351 Funds If you hold several different stocks or even ETFs that no longer fit your strategy, Section 351 exchanges allow you to transfer them into a new, broadly diversified fund with tax deferral. This is similar in spirit to a 1031 real estate exchange but designed for securities. This option gives you flexibility, but it only works with publicly traded investments in taxable (not retirement) accounts 3. Separately Managed Accounts (SMAs) SMAs have become popular for allowing greater customization. In an SMA, instead of owning an index fund, you hold the constituent stocks directly—allowing for tax loss harvesting and the exclusion of specific stocks. This offers personalized values-based investing but creates more complex tax reporting and can create complications for you and your CPA. 4. Tax Aware Long/Short Strategies Recently popular but highly complex, these leverage SMAs and add a long/short overlay, aiming to maximize loss harvesting regardless of overall market conditions. This uses leverage and shorting, increasing risk and management costs. It gives greater potential for tax loss harvesting, but introduces tracking error and liquidity constraints. This is best for specific, high-need scenarios.    Keep Your Broader Plan in Mind Always return to your broader financial plan. Look at that accumulated stock position in the context of your overall financial plan and everything else that's happening in your goals and life. These tactics are tools, not silver bullets. Sometimes, the simplest (if less glamorous) move—selling, paying taxes, and reinvesting—might be your best decision. Concentrated stock positions can be both an opportunity and a source of anxiety. Before chasing the latest "shiny object," evaluate your situation with the help of an advisor. Find the approach that aligns with your risk, liquidity needs, and long-term goals. Sometimes, boring really is better—for both your taxes and your sleep. Outline of This Episode 00:00 Discussing tax deferral options 03:42 Risks of relying on stocks 09:14 Evaluating stock donation options 12:49 Explaining Section 351 funds 14:29 Using ETFs for tax deferral 18:24 Considering life changes for tax planning 21:57 Evaluating investment advice sources   Resources & People Mentioned The Retirement Podcast Network   Connect With Chad and Mike https://www.financialsymmetry.com/podcast-archive/  Connect on Twitter @csmithraleigh @TeamFSINC Follow Financial Symmetry on Facebook   Subscribe To This Podcast   Apple Podcasts Stitcher Google Play  

Pemerintah Provinsi Banten memfasilitasi penyelenggaraan ajang Suara Nusantara 2026 sebagai upaya nyata untuk menumbuhkan kecintaan generasi muda terhadap cerita rakyat Indonesia. Festival storytelling cerita rakyat yang mengusung tema Menghidupkan Legenda Banten, Menginspirasi Masa Depan ini digelar selama dua hari di Aula Pendopo Gubernur Banten. Kegiatan yang memasuki tahun kedua pelaksanaan setelah sebelumnya sukses diselenggarakan di DKI Jakarta ini, berhasil menarik antusiasme tinggi dengan diikuti oleh lima ratus peserta dari kategori SD, SMP, SMA, hingga umum. Melalui proses seleksi awal video dongeng yang diunggah di media sosial Instagram, Gubernur Banten, Andra Soni, bersama Ketua Panitia, Cahaya Manthovani, berharap ajang ini mampu menjadi sinyal positif dalam melestarikan warisan budaya serta menghidupkan kembali legenda daerah sebagai identitas bangsa.

What happens when life pushes you toward a completely new beginning? In this episode of Live by Design - Mexico Edition, host Taniel Chemsian sits down with Patrice Wynne-Pérez, who made the courageous decision to leave Berkeley, California and start over in San Miguel de Allende, Mexico at age 50 after a series of major life changes. Patrice shares the emotional realities of reinventing yourself abroad, building community from scratch, and adapting to a new culture while navigating practical challenges like banking, real estate, and daily life in Mexico. Her story is an honest look at resilience, personal growth, and why so many Americans are choosing Mexico not just for retirement, but for a more meaningful and connected lifestyle. Whether you're considering retiring in Mexico, exploring living in San Miguel de Allende, or wondering if it's too late to begin again, this episode offers real-life insight, encouragement, and practical wisdom to help you confidently design your next chapter under the Mexican sun.   Key Moments:  03:48 Closing the bookstore experience 10:16 Buying first house decisions 12:50 Using Facebook groups for advice 15:33 Friendliness among foreign immigrants 18:32 Comparing travel costs in Mexico vs. US 22:22 Living in Mexico: Safety concerns 24:07 Dealing with measurement challenges   How to contact Patrice Wynne-Pérez :  FACEBOOK: https://www.facebook.com/share/1Lq5Tq3na8/?mibextid=wwXIfr Abrazos Boutique y Librería SMA: https://www.facebook.com/share/1G3Pi2gWPL/?mibextid=wwXIfr Patrice's Instagram: https://www.instagram.com/sanmiguelpatrice?igsh=MXFsbThmeGRwYnFjMA%3D%3D&utm_source=qr Abrazos Boutique y Librería SMA: https://www.instagram.com/abrazossma?igsh=MWExNWwybWZ5ODc5NQ%3D%3D&utm_source=qr WEBSITE: https://sanmigueldesigns.com/ Feeling overwhelmed about buying in Mexico? Chat TCP, our AI-powered assistant, guides you to stress-free homeownership. Click here to start using Chat TCP: https://tanielchemsian.com/chat-tcp/?utm_source=youtube_lbd_mex   Want to own a home in Mexico? Start your journey with confidence - download your FREE “Buyer's Guide” now for expert tips and clear steps to make it happen! Click here - https://tanielchemsian.com/buyers-gui...   Discover why everyone is falling in love with Puerto Vallarta real estate: https://tanielchemsian.com/puerto-vallarta-real-estate/   Join the ‘Taniel Chemsian Properties' YouTube channel to learn what you need to know about Puerto Vallarta real estate. https://www.youtube.com/@TanielChemsian   Join our ‘Live By Design: Mexico Edition' podcast: Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/0VfClD5... Amazon: https://music.amazon.com/podcasts/032... YouTube: https://www.youtube.com/@livebydesignmexicoedition   Contact Information: Email: info@tanielchemsian.com Website: https://tanielchemsian.com/ Mex Office: +52.322.688.7435 USA/CAN Office: +1.323.798.8893  

Most investors think they understand what they own — Devin Anderson and Zed Francis of Convexitas are here to prove they don't, and to show what the next generation of derivative investing actually looks like.Pierre Daillie and Mike Philbrick welcome Devin Anderson and Zed Francis, Co-Founders of Convexitas, for a masterclass in derivative investing that challenges everything advisors and investors think they know about covered calls, buffered ETFs, and options-based income strategies. Drawing on deep institutional backgrounds — Devin from two decades at Deutsche Bank's equity derivatives structuring desk, and Zed from UBS credit trading, distressed hedge funds, and Legal & General — the two founders lay bare the hidden complexity lurking inside "simple" yield products that dominate today's wealth management landscape.The conversation pulls no punches: the hockey-stick diagrams used to explain covered call ETFs at point-of-sale actively mask real-time risk exposures that can shift dramatically intraday. A product sold as "half the risk of equities" can quietly become nearly full equity exposure within hours of a 1% market move — and most advisors and clients have no idea. Devin and Zed argue this isn't a reason to abandon these products, but a powerful case for active, continuous derivative management that delivers what the product actually promised.The founders introduce Convexitas's philosophy: that the options market is structurally mispriced, and that most yield-seeking investors are sitting on the wrong side of that mispricing. They walk through the SMA-based approach — designed to generate accessible liquidity precisely when markets crash, enabling advisors to rebalance into distressed assets rather than being frozen by tax friction, behavioral paralysis, or trapped capital in fund wrappers. From the mechanics of short volatility to the case for unfunded overlays, return stacking, and Warren Buffett's alpha decoded through Fama-French factors, this episode is essential listening for any advisor navigating the derivative income revolution.Chapters00:00 — Introduction: The income wave reshaping wealth management04:52 — Meet Devin Anderson & Zed Francis: Career arcs and the founding of Convexitas12:16 — What investors actually own: The hidden complexity inside covered call ETFs16:18 — Real-time risk exposure: How moneyness shifts dramatically intraday19:17 — The silent danger: Stacking short volatility across multiple products28:00 — Structural mispricing in the options market: Why sellers face a systemic disadvantage38:00 — Investment products vs. trading instruments: A critical distinction for advisors43:08 — The income stack: Gaining Gold and Bitcoin exposure with capital efficiency50:43 — First-gen vs. next-gen: From buffered ETFs to actively managed derivative overlays57:08 — Tax efficiency, rebalancing, and the SMA advantage01:18:06 — Why accessible capital is the biggest benefit of risk mitigation — not mark-to-market01:23:53 — Buying when there's blood in the streets: Liquidity, structure, and Warren Buffett's alpha01:26:37 — Final outlook: Inflation, financialization, and the binary tail risks ahead#CoveredCallETF #BufferedETF #DerivativeInvesting #OptionsTrading #WealthManagement #VolatilityHarvesting #ReturnStacking #TailRiskHedge #FinancialAdvisors #IncomeInvesting #PortfolioConstruction #AlternativeInvestments #RiskManagement #TaxEfficientInvesting #SMAInvesting #RaiseYourAverage #Convexitas #InvestmentStrategy #OptionsEducation #AdvisorAlpha Copyright © AdvisorAnalyst

Active women are often blindsided by an osteopenia or osteoporosis diagnosis. This week, we explain why—and, more importantly, what to do about it—with Professor Belinda Beck, PhD, investigator on the groundbreaking LIFTMOR trial, which found that high-intensity resistance and impact training was both effective and safe for postmenopausal women with low bone density. This episode is a deep dive into how bone remodeling works and why mechanical loading—especially the right combination of impact exercise and progressive heavy strength training—is essential for building and maintaining bone strength. We also cover peak bone mass, estrogen, menopause, and the foundational role of nutrition, including calcium and vitamin D, in supporting stronger bones for life.Dr Belinda Beck is a Professor of Exercise Physiology at Griffith University (Gold Coast, QLD) and Director of The Bone Clinic in Brisbane. Her work, primarily related to the effects of mechanical loading on bone, includes a series of clinical trials (the LIFTMOR and MEDEX-OP trials) that changed the way osteoporosis is managed with exercise. In 2015, she established The Bone Clinic, a translational research facility and clinical practice in Brisbane providing the ONERO® exercise program for osteoporosis which has been licensed for delivery around the world. She has been awarded almost $8M in research funding and has published over 150 papers and chapters in the field. She is a Fellow of numerous bone and exercise societies (including ACSM, ASBMR, ESSA and SMA), is on the Board of the Australian and New Zealand Bone and Mineral Society, Sports Medicine Australia, the SOS Fracture Alliance, the International Osteoporosis Foundation Capture the Fracture Governance Committee, and the Healthy Bones AustraliaMedicine and Science Advisory Committee.Resources:High-Intensity Resistance and Impact Training Improves Bone Mineral Density and Physical Function in Postmenopausal Women With Osteopenia and Osteoporosis: The LIFTMOR Randomized Controlled Trial hereThe Bone Clinic & ONERO® programWatch on YouTubeSign up for our FREE Feisty 40+ newsletter: https://feisty.co/feisty-40/Join Feisty at the Grand Traverse in Duluth, MN on October 3rd! Use code FEISTY20 for $20 off when you register at https://feisty.co/events/the-grand-traverse/Learn More about our 2026 Feisty Events, including Bike Camps and Cycling Trips: https://feisty.co/events/Follow Us on Instagram:Feisty Menopause: @feistymenopauseHit Play Not Pause Facebook Group: https://www.facebook.com/groups/807943973376099Support our Partners:Cozy Earth: Use Code HITPLAY at https://cozyearth.com/ for up to 20% off Eternal - Get 15% off their services with code FEISTY15 at https://eternal.coMidi Health: You Deserve to Feel Great. Book your virtual visit today at https://www.joinmidi.com/Previnex: Get 15% off your first order with code HITPLAY at https://www.previnex.com/ Wahoo: Use the code FEISTY2026 to get a free Headwind Smart Fan (value $300) with the purchase of a Wahoo KICKR RUN at https://shorturl.at/WVhdr

Charles Schwab's Kevin Horner breaks down key market charts as the S&P 500 (SPX) taps new record highs, backed by investors defending the 10-day SMA. In stock movers, he highlights notable technical setups in Cipher Digital (CIFR) and Eli Lilly (LLY).======== 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

BUFFALO, NY – May 13, 2026 – A new #casereport was #published in Volume 17 of Oncotarget on May 4, 2026, titled “Laryngeal leiomyosarcoma: A rare case report and literature review.” The study was led by first author Bolat Shalabaev and corresponding author Zhuldyz Kuanysh, both from the National Research Oncology Center, Astana, Kazakhstan. In this report, the authors describe a rare case of high-grade laryngeal leiomyosarcoma (LLMS) in a 64-year-old man who presented with progressive dyspnea and hoarseness caused by a large supraglottic mass. Laryngeal leiomyosarcoma is an exceptionally uncommon malignant tumor of smooth muscle origin, with fewer than 70 cases reported worldwide since it was first described in 1939. Because most laryngeal malignancies are epithelial tumors such as squamous cell carcinoma, diagnosis of LLMS can be particularly challenging and requires extensive histopathological and immunohistochemical evaluation. Imaging studies revealed a heterogeneous laryngeal tumor causing near-complete obstruction of the airway. Histopathological analysis demonstrated high-grade spindle-cell proliferation with marked pleomorphism and pathological mitoses. Immunohistochemical testing showed strong expression of smooth muscle actin (SMA) and vimentin, while markers including CD34, myogenin, cytokeratins 5/6 and 7, and p40 were negative, supporting the diagnosis of high-grade pleomorphic leiomyosarcoma. The patient underwent extended laryngectomy with left neck dissection and formation of a permanent tracheostomy. Comprehensive staging with CT, MRI, and ultrasound showed no evidence of regional or distant metastases. Due to the tumor's aggressive pathological features—including a Ki-67 proliferation index reaching 60%—the multidisciplinary tumor board recommended adjuvant chemotherapy with doxorubicin and ifosfamide following surgery. “Complete surgical excision remains the cornerstone of therapy, while multidisciplinary-guided adjuvant treatment may benefit selected high-grade or high-risk patients.” Postoperative pathology confirmed a high-grade pleomorphic leiomyosarcoma classified as pT3N0M0 according to the AJCC 8th edition staging system. Importantly, surgical margins were negative, and no metastatic involvement was identified in the five examined lymph nodes. At the most recent follow-up, 12 months after surgery and completion of chemotherapy, the patient remained alive and free of recurrence or metastasis. The authors also reviewed recently published LLMS cases reported between 2021 and 2024. Their analysis confirmed persistent male predominance, frequent involvement of the glottic and supraglottic regions, and highly variable clinical outcomes ranging from long-term disease-free survival to rapid metastatic progression. The report further highlights the central role of immunohistochemistry in differentiating leiomyosarcoma from other spindle-cell neoplasms of the head and neck. Importantly, the study emphasizes that complete surgical resection with histologically negative margins remains the most important factor associated with favorable outcomes. While the role of chemotherapy in laryngeal leiomyosarcoma remains controversial, the authors note that individualized multidisciplinary treatment approaches may be particularly valuable in patients with high-grade or high-risk disease features. Overall, this report contributes important clinical insight into one of the rarest malignancies of the larynx. As the first documented case of laryngeal leiomyosarcoma reported from Central Asia, the study expands the limited global literature on this disease and underscores the importance of coordinated multidisciplinary care, detailed pathological evaluation, and long-term surveillance in optimizing patient outcomes. DOI - https://doi.org/10.18632/oncotarget.28862 Correspondence to - Zhuldyz Kuanysh - zhuldyzkuanysh@icloud.com Abstract video - https://www.youtube.com/watch?v=i3AoqIXo3Ys

Bitcoin is testing its 200-day SMA near $82K as the Senate Banking Committee drops a 309-page CLARITY Act draft ahead of Thursday's pivotal May 14 markup vote — a moment that could redefine US crypto policy and unlock the next institutional wave. With $858M flooding into crypto funds last week, Saylor unveiling a $2.2B tax-loss harvesting playbook, and Wall Street giants like BlackRock, Apollo, and a16z pouring hundreds of millions into Circle's Arc and Canton Network, the setup is loaded. Add Morgan Stanley triggering a crypto fee war on E*Trade, Ray Dalio warning central banks won't touch Bitcoin, and the Iran-driven oil shock rattling markets — and you've got one of the most consequential weeks of the cycle. Is the breakout finally here? Learn more about your ad choices. Visit megaphone.fm/adchoices

[We had some technical challenges with Dave's audio, and cleaned it up as good as possible, but felt the content was so relevant that it was important to get it out to KER listeners]    In this Daily Editorial, we are joined by Dave Erfle, Founder and Editor of Junior Miner Junky, to discuss some fundamental and technical investing insights around the recent pop higher in the precious metals sector.   Gold, silver, and the PM stocks have been moving up the last 2 weeks, and copper has been trading up at all-time highs the last few trading sessions.   Dave reviews the macroeconomic factors moving the larger markets but balances out the longer-range trends with some more near-term technical levels he is watching.  He also provides some fundamental insights into some of the stocks held in the JMJ portfolio, and how he is managing this current environment.    Key discussion points include:   Macro Market Movers and Geopolitics: He discusses the soaring oil and gas prices and global food scarcity due to the war in the Middle East and continued closure of the Strait of Hormuz as factors creating uncertainty in the markets. However, Dave points out that none of the fundamental drivers behind gold's ascent have changed, from sovereign debt to central bank buying, and lack of open interest in the COT. Technical Outlook on Gold and Silver:  The precious metals have been stuck in rangebound trading and a consolidation for the last 7 weeks, and he feels it would be healthy to see things consolidate a bit longer, to build the energy to really move higher.  Dave would like to see gold break out above $4,900 and for silver to break decisively above $90 to get more confident that this consolidation phase has run its course. The Gold Miners Bullish Percentage Index: Dave has pointed out the last few weeks that when the (BPGDM) got down to an 11 reading in late April that this demonstrated how oversold the gold miners were getting, and so a rally higher seemed quite probable.  Now that this has played out, he is looking for more traction and technical confirmation signals in the mining stocks. Key Moving Averages for GDX and GDXJ: The key technical level Dave is watching on the precious metals ETF charts is the 18-week moving average; which has recently acted as overhead resistance.  Pricing in GDX, GDXJ, SIL, SILJ have just recently moved above this level, but his preference would be to see pricing come down to test it the 18-week SMA as support that holds to signal that the next leg higher is on stronger footing. Precious Metals Stocks Breaking Out Of March Consolidation Patterns: Dave points to precious metals stocks that have had strong fundamental newsflow as seeing corresponding outperformance, based on their company catalysts. He flagged the strong performance over the last couple months coming out of the March consolidations in JMJ portfolio stocks like AbraSilver Resource Corp. (TSX: ABRA) (OTCQX: ABBRF), Amex Exploration Inc. (TSXV: AMX) (FSE: MX0) (OTCQX: AMXEF), Maple Gold Mines Ltd. (TSXV: MGM) (OTCQX: MGMLF), Thesis Gold & Silver Inc. (TSXV: TAU) (OTCQX: THSGF). Bull Market Playbook and Portfolio Strategies: Dave outlines his systematic rules-based approach to trimming partial positions in portfolio positions that have moved up multiplefold to redeploy those gains into new positions; flagging the rebalancing approach in Montage Gold Corp. (TSX: MAU, OTCQX: MAUTF) as an example. Direct and Indirect Copper Exposure:  Dave has indirect exposure to copper exploration in some of the aforementioned precious metals companies like AbraSilver Resource and Thesis Gold & Silver, but also pointed out the big win he and his subscribers just realized in direct copper exploration success through Arizona Sonoran Copper Company Inc. (TSX:ASCU | OTCQX:ASCUF); which is currently being acquired by Hudbay Minerals Inc. (TSX: HBM, NYSE: HBM).   He is monitoring a few copper developer names on his watchlist for accretive entry points which he will communicate with his subscribers.   Click here to visit the Junior Miner Junky website to learn more about Dave's investment letter – https://www.juniorminerjunky.com/     For more market commentary & interview summaries, subscribe to our Substacks:   The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/     Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned, and companies profiled may be sponsors of the KE Report.

Bitcoin is testing its 200-day SMA near $82K as $858M floods into crypto funds and Wall Street's biggest names — BlackRock, Apollo, and a16z — pour hundreds of millions into Circle's Arc and Canton Network. Add Saylor's $2.2B tax-loss play, a Coinbase earnings miss, and record stock highs colliding with Iran-driven oil spikes, and the macro setup is as pivotal as it gets. Is the next leg up finally here? Learn more about your ad choices. Visit megaphone.fm/adchoices

durée : 00:15:29 - Journal de 8 h - Quatre grands groupes privés se partagent 200 festivals en Europe. Le syndicat des musiques actuelles (SMA) s'en inquiète, alors que le géant Live Nation, reconnu responsable de monopole illégal aux États-Unis, est plombé par des frais d'avocats colossaux.

durée : 00:15:29 - Journal de 8 h - Quatre grands groupes privés se partagent 200 festivals en Europe. Le syndicat des musiques actuelles (SMA) s'en inquiète, alors que le géant Live Nation, reconnu responsable de monopole illégal aux États-Unis, est plombé par des frais d'avocats colossaux. - réalisation : La Rédaction de France Culture, Margot Delpierre Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:15:29 - Journal de 8 h - Quatre grands groupes privés se partagent 200 festivals en Europe. Le syndicat des musiques actuelles (SMA) s'en inquiète, alors que le géant Live Nation, reconnu responsable de monopole illégal aux États-Unis, est plombé par des frais d'avocats colossaux.

This episode includes two full, sample vascular scenarios pulled directly from our Vascular Surgery Oral Board Review Course. Listen in and test your clinical pathways in real-time as we walk through the perfect answers and provide high-yield commentary to help you pass the "hot seat."Sample Scenarios Included in This Episode: Case 22: Aortoenteric Fistula (AEF). A 78-year-old woman presents to the ER with a massive upper GI bleed and a history of an open AAA repair 10 years ago. We walk you through the immediate stabilization, CTA evaluation, and the definitive operative management—including axillobifemoral bypass, aortic stump closure, and duodenal repair. Case 27: Acute Mesenteric Ischemia. A 79-year-old woman with a history of atrial fibrillation presents with abdominal pain out of proportion to her physical exam. Test your decision-making on systemic heparinization, SMA embolectomy versus stenting (ROMS), and how to appropriately evaluate bowel viability with a second-look laparotomy. About our Vascular Surgery Oral Board Review Course: 72 High-Yield Scenarios: Covering everything from carotid stump syndrome to a AAA with a horseshoe kidney. Dual-Format Learning: Each case includes "Part A" (a straight run-through of the perfect exam response) and "Part B" (the same scenario packed with expert tips, tricks, and commentary). Free Simulator Access: Every purchase of the course includes access to our new AI-powered Oral Board Simulator, allowing you to practice your verbal responses under pressure. Resources: Vascular Surgery Oral Board Review Course: https://app.behindtheknife.org/premium/vascular-surgery-oral-board-audio-review Oral Board Simulator: https://app.behindtheknife.org/oral-board-simulator Download the BTK App on iOS and Android for on-the-go studying. DOMINATE THE DAY!

Vineyard Wind sues GE Renewables to block a walkout over $300M in withheld payments and defective blades. Plus Ørsted posts a $262M quarterly loss and shakes up its board. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! Uptime316 Matthew Stead: [00:00:00] The Uptime Wind Energy Podcast brought to you by Strike Tape, protecting thousands of wind turbines from lightning damage worldwide. Visit strike tape.com And now your hosts. Allen Hall: Welcome to the Uptime Wind Energy Podcast. I’m your host Allen Hall, and I’m here with Matthew Stead and Rosemary Barnes who are in Australia. Before we get too far into this episode, I would like to mention that the UK US relationship has been very tense recently, as you have seen in the, in the news articles and on television. But there was one good news piece that just happened, which is the band Oasis just got inducted into the Rock and Roll Hall of Fame. So that is trying to mend those relationships, bring the UK and US back together. In at least a musical sense. So I know Rosemary was watching that closely as the votes were counted. But, [00:01:00] uh, everybody in the UK is super thrilled about it as they should be. And all us Oasis fans can’t wait for the induction ceremony. In fact, we’re planning to go to Cleveland. They’ll go watch it if we can. We shall see now onto more important information this week. Vineyard, wind and GE are not getting along. And if you have been paying attention for the last two years, you would’ve noticed that there’s been a couple of tense moments. Well, uh, that wind project is a little bit up in the air because vineyard wind has filed suit against GE renewables to stop the turbine maker from walking away after GE sent a termination notice. Over a $300 million ish, uh, disagreement in unpaid bills. At the center of this dispute are defective blades, of course, that, uh, broke off in 2024 and caused a number of problems, uh, for GE and vineyard Wind is particularly a delay in the [00:02:00] project and ge having to fix pull blades off of turbines that were already installed and I think they ended up sending those back to France. Reading the lawsuit, it seems like GE did not repair those blades. They replaced those blades because, uh, they may not have been able to repair them or maybe is the amount of time it’s gonna take to repair them. You can repair almost anything made out of. Composite. Uh, but this is a big problem because, uh, if GE does walk away and they’re talking about walking away from this project at the end of April, vineyard, wind believes that the turbines are not ready to be operated, and they don’t have a way to operate those turbines. They don’t have the knowledge or the people because the people belong to GE that need to make some of these turbines operate. Even there’s even some question about if all the turbines are operating at the required [00:03:00]handover requirements. This is unique because I don’t think I’ve ever seen a wind turbine manufacturer leave before a wind site is finished. It must have happened before, but. It does put both sides in quite a pinch. Right.  Rosemary Barnes: Can I just jump, jump back to, to something that you said, um, that you can repair almost anything when it comes to composites? I would say that that doesn’t necessarily apply if your design was insufficient in the first place. And I mean the design for manufacturing in this case, I think that the, like computer model design worked fine, but obviously it was not as easy to manufacture or as possible to manufacture. With the correct quality as what they expected. It can’t have been so simple to just, just repair. That’s, um, that’s what I want to say. Like it, it’s obvious to me that if it was possible to repair, that would’ve been much easier than what they’ve ended up with, which I think is pretty foreseeable. Or most [00:04:00] engineers would probably have foreseen that if you, you know, put blades out there that, um, don’t meet your. Standard, um, quality control acceptance criteria that, you know, the consequence of that would be that it would be more likely to fail. So yeah, I think you can repair nearly anything on a standard blade that is possible to make correctly. But if you’ve got big quality problems, then it’s not, it’s, it’s not easy and it’s possibly not possible to, you know, just get, um, just get onto that in repair.  Matthew Stead: I, I think you’re both right. Because it all comes down to economics. So I think Alan’s statement, you know, things can be repaired. It just comes back to economics, doesn’t it?  Rosemary Barnes: U usually, yes. And like for your average, like if you’ve got a wind farm and you’ve got a blade with a big, a big repair, or you know, like a big defect right on the main laminate, that’s gonna require, you know, like a huge repair, taking the blade down and keeping it down for, you know, like three months while you rebuild like 20 meters [00:05:00] of laminate. Yes, that would be technically possible, but you wouldn’t because it would be so expensive. So us usually, like in 99% of cases, that would be it. That it’s not actually impossible to repair. It’s just very hard. But, you know, in these really huge blades and, you know, um, bearing in mind that I don’t, I don’t know the specific quality problems that they face, but, you know, just from my knowledge of composites, you can say what the challenging areas would be, but you know, a really big blade is gonna have a really thick laminate and, um, composites don’t like to have really thick laminates. When they cure, it’s usually an, an exothermic reaction, puts off heat, you know, like the temperature is changing and um, it works fine for thin laminates, but when it’s really thick you can get hot spots and cold spots and maybe it’s hard to get the resin to go all the way through evenly. But you know, imagine if you’ve got a really thick laminate and there’s a chunk of it that just didn’t get any resin in it. How are you gonna repair that? Like, I wouldn’t say impossible. I’m sure if the fate of the human race depended on it, then you would, you would make it work. But it’s [00:06:00] certainly very close to impossible.  Matthew Stead: Economically, it does not make sense.  Rosemary Barnes: You would probably have to make a few inventions. Along the way to be able to make it work as well. I think,  Allen Hall: I think I should read part of, and I don’t like reading these lawsuits, but this is informative in a sense that it provides some relative background as to what Vineyard Wind is thinking in some of the contract details that are involved here. So in June 4th, 2021, this is directly from the lawsuit, uh, vineyard Wind entered into A TSA with GE renewables in which. GE Renewables agreed to design, manufacture supply, install commission, and test the wind turbine generators for the vineyard wind project at a contract price of more than $1.3 billion. There you go. On the same day as an integral part of the commercial agreement, the parties entered into an SMA, uh, by which GE renewables agreed to maintain and service that wind turbine [00:07:00]generators for the first five years. Of operations of the project and guarantee that all wind turbine generators will operate at a 97% of production availability. Uh, this guarantee is central, is a central component of the commercial viability of the Vineyard Wind Project. So I would say so, right. Uh, at present, all of the wind turbine generators on the project have been installed. However, the wind turbine generators are not yet fully operational and are. Able to reduce power at only levels well below those intended under the contracts fundamental to the project’s commitment to Massachusetts to achieve full commercial operation. The project requires repair, commissioning, and maintenance of GE renewables, 62 proprietary wind turbine generators, and their component parts work that only GE renewables knows how to perform. So it sounds like Vineyard Wind has a five-year contract that GE ISS gonna operate these [00:08:00] turbines, and if they leave in a couple of weeks, vineyard wind really doesn’t have a backup plan. They may have. Were planning on a plan five years down the road where they could operate ’em, but to operate those turbines immediately when they haven’t, at least as. Indicated here may not be fully commissioned to providing the right amount of availability. That’s a huge problem for Vineyard. Huge.  Rosemary Barnes: It’s interesting to me that they’ve decided to withhold some money that I think everyone agrees that they owe that money to ge. But then there’s a dispute because Vineyard when says that GE owes them money for some other stuff That sounds like GE disputes. Um, it’s like if you have a problem. With your landlord, they always tell you, don’t, don’t withhold rent, because then they can, you know, that’s, that’s their out of the contract. Right? So it seems weird, like it’s a relatively small amount compared to what vineyard wind is risking. So. It seems to me like, are they, is this a mistake from them? Are they giving ge an out from this contract that’s gonna be [00:09:00] really hard for them to meet? It might be that GE knows what it would cost to entirely fix the wind farm and have it producing the way that it should. But, you know, let’s say in a worst case scenario, that means remaking every single blade in the um, in the wind farm. At the, at the French factory, you know, like that could be your, your worst case scenario. GE knows that that’s gonna cost more than what they’re ever gonna pay over the five years of, um, you know, the, uh, of missing the availability guarantee. So then it is worth, for them, the cost effective thing to do is to just walk away and they’re kind of, the amount that they’ll have to pay is limited. If I’m thinking fairness, it’s so unfair that vineyard wind would be stuck with this wind farm that they can’t really get to do anything. But if I think about how I see these disputes work out in the smaller versions of them that I’ve seen, it seems like vineyard wind actually probably is the one more likely to come out with a bad outcome from the way that they’re [00:10:00] choosing to play this right. Uh, because they, they risk not being able to operate at all. And they have potentially, like, I’m not a lawyer, I don’t, I don’t know about, you know, how likely it is that the 300 million, that their withholding will be enough for GE to walk away with without having to pay anything for, um, you know, not operating, uh, correctly over the next five years. But, um, you know, it just seems like it’s not so much money compared to the billions that are at stake. To risk that they will be left unable to operate the wind farm at all. You know, it’s just, uh, I don’t know. It seems risky.  Allen Hall: Let’s start with the kickoff of what happened and what vineyard wind is alleging happened from these, their perspective on it. It does provide some insight into all the things we talked about on the podcast for the last two years. We, we saw bits and pieces of it. According to vineyard wind, uh, GE Renewable [00:11:00] claims that it is owed quote amounts due unquote for milestone payments is, is contrary in in language to the TSA, so the turbine supply agreement put simply vineyard wind owes nothing to GE renewables because the TSA turbine supply agreement allows vineyard wind to withhold amounts. The project engineer determines that GE Renewable owes vineyard wind from milestone payments otherwise due under the contract. So what they’re saying is GE owes is a bunch of money. Yes, we do owe GE renewables money, but it’s in Vineyard Wind’s favor. So why would they send GE money? Um, those set off amounts are substantial because GE renewables caused catastrophic injury to vineyard wind by installing 68 defective blades on 24. Wind turbine generators resulting in two years of delay and over a billion dollars of damages. In July, 2024, one of the GE renewable offshore blades collapsed and fell into the waters off Nantucket resuscitating a massive environmental cleanup and requiring a six month [00:12:00] construction hiatus during which GE Renewable performed a root cause analysis, concluding that 68 of the 72 GE renewable. Blades installed at the project, nearly all manufactured by GE Renewable in Gaspay Canada, and they say nearly all, not all, nearly all were also defected because they were inadequately bonded together, the original blades were so poorly made that they were beyond repair. Indeed, the federal government required GE renewable to remove all the blades and to replace all gas bay blades with others manufactured at a different facility in Sherbrook, France. So that’s really the kickoff to all of this disagreement was the quality issues from Gas Bay. Uh, vineyard Wind goes on to say that GE Renewables and, and their CEO, Scott Straza, basically admitted to, uh, a, a serious, um. Overlook or quality issue? Quality escape, something of the [00:13:00] sort, uh, in some of the statements, which I, I remember him talking about  Rosemary Barnes: allegedly, in your opinion. Allen Hall: Well, and Scott Streek did say it. In fact, here’s, here’s what Scott Streek did say. Streek, uh, acknowledged that the blade failure and said, quote, we have identified a material deviation or a manufacturing deviation. In one of our factories that through the inspection or quality assurance process we should have identified. Because of that, we’re going to use our existing data and reinspect all of the blades that we have made for offshore wind and for context in this factory in Gus Bay, Canada, where the material deviation existed. That’s a quote. What happens now,  Rosemary Barnes: obviously I’ve never worked on anything that’s, this is the biggest example of, um, a, you know, a blade quality problem, a serial issue probably that’s ever happened in the wind industry. I’ve never worked on something this big, but I have worked on probably half a dozen small, small versions that are quite similar. Um. To this, but just on a, you know, a much, much smaller scale. And I will say that it never [00:14:00] feels fair what the owner of the wind farm, like, what the outcome is, never feels fair to the owner of the wind farm. Like when you’ve got a serial defect in, um, in play it like, and everyone suffers. It costs, it’s gonna cost the, um, you know, the manufacturer a lot of money. But I think that proportionally it is. Affects the owners more in nearly every case. It’s just there are some contractual things that you don’t end up with outcomes that feel, feel fair to anybody that, um, you know, would take a casual look at it. So I don’t think that an outcome that feels fair is probably likely for, for vineyard wind. Um, and I guess it all just comes down to whether or not GE agree that they owe that 800 million or whatever the figure is. Um, or if a court finds that they owe it. Because surely the contract doesn’t say that Vineyard wins engineer at any time can just, or project manager can at any time decide [00:15:00] that, um, GE owes the money and so they don’t have to pay. That obviously wouldn’t be a very, um, nice contract for GE to sign. So there’s gotta be some more nuance to it other than. That our project manager says, you owe us money so we’re not paying. And then, you know, you have to continue. Like, I, it’s probably impossible for us to, without, um, you know, having access to all of, all of the documents and the legal degree to understand it. Probably, probably hard for us to Yeah. Come up with a, a reasonable conclusion.  Allen Hall: It does make you think, usually the progression is dispute. Whatever contractually is obligated in the beginning happens. And so if there’s someone who decides what pot of money goes where, that, that’s usually the first step. Second step is usually arbitration in the us. I’d be surprised if they haven’t gone through at least an attempt at arbitration. And then once arbitration breaks down, then you go into the courts, which is clearly where they’re at now you’re, you’re at the highest level that you can be in terms of legal proceedings to try to sort this matter out. And I’m sure both sides. Do not want to be in front of a [00:16:00] courtroom if they can avoid it. So there’s a much more to come about this. I, I think the other operators, uh, GEs this is, is this GEs only? Yeah. This is GEs only wind farm offshore in the us So this is it. But I would imagine that the other, uh, operators in offshore wind in the US or. Being very careful word through contracts and how this is proceeding.  Rosemary Barnes: That’s something else I think about this case is that it’s going to be like the GE are the ones who have more at stake in terms of reputational harm. I would’ve thought then. Um, so. Yeah, that’s obviously a consideration that they’ve, they’ve gotta have, it isn’t, regardless of where the facts are, it’s not a good look. Right. Um, to be seen, to be walking away from a wind farm. And it probably would make other people considering big expensive GE wind farms to be like, oh, you know, are we actually gonna get across the line with this? Or is there a risk that they just, you know, throw a tantrum towards the end and threaten to walk away and we have to renegotiate [00:17:00] everything. So, um, I guess that there’s a, yeah, there’s always just the perception. Is as important in a lot of ways to what the actual facts are.  Matthew Stead: The thing I find is, um, I mean this is largely a legal thing, isn’t it? You know, we, we’ve agreed that it’s, with the lawyers, it’s a largely a legal thing. The, the sort of topic that I’m interested in is, um, like the example of you buy a car, you know, you buy a Toyota, um, you expect to be able to maintain it. You expect to be able to run it and get a serviced by a Toyota, you don’t expect in the first year to take your Toyota to Ford and get them to fix it in the first year. The bigger issue is the turbine supplier agreement does not actually allow the turbine to be operated without the OEM, so no one knows. No one knows how to run it. So for me, it’s a massive industry challenge, access of data, access of how to run a turbine. If the OEM is no longer there, so I think hopefully [00:18:00] this can have rama bigger ramifications for the industry that operators and owners can actually run the assets they own.  Rosemary Barnes: Well, there are companies that will come in and pull out your control system of your, you know, your turbine. If it, you know, if you, um, if you don’t wanna work with them anymore or if the company went bankrupt, then there are companies that will rip it out and put a new one in. It’s not, not saying that that’s like an easy, cost effective thing to do and probably not gonna get the same, um, performance as, as you originally did. But that’s what happens if you are, um, you know, your turbine manufacturer goes bankrupt and they just don’t exist to support anymore. Sometimes people have to resort to literally pulling out the whole control system and starting again. Not easy. When it’s something as big and new as this one obviously  Matthew Stead: isn’t the better answer that when you buy something, you actually buy the information to actually run it. Rosemary Barnes: I don’t fully agree [00:19:00] though, because. It’s like, um, o often what you say, oh, you know, like this would be good. Like the one common thing is people say, oh, you know, like it’s planned obsolescence. People, engineers plan design things to fail so that you’ll need to replace them. And I think that that does, that does happen again in like consumer, consumer products. Like, um, yeah, like your, your battery isn’t really designed to last for 10 years in your, your phone the same way that it is in an electric car. Um, more than 10 years in the case of an electric car. Um. But it’s not. It’s not what happens in industrial scale equipment. You are mostly worried about getting the price point right. And if you want something to last longer, if you want something that anybody can come in and fix it easily, it costs more to engineer like that and usually like a a lot more. So it’s not just people like evil engineers or evil. Um. Evil management at these, at these companies.  Allen Hall: I already get to evil engineers. Rosemary Barnes: No, people think it is. People think it’s evil. Engineers like purposely designing bad products to [00:20:00] um, make money, which I actually do think that they do with consumer products. Some of the time. Um, but when it comes to like industrial equipment, I, I don’t think that that’s the main, the main thing that planned obsolescence is not, is not a major factor here. It’s about trying to get the price point competitive to make sales. And if you want to get better engineering, you, you will, you will pay for it.  Matthew Stead: I got a call with someone today that, which is on this topic. So, you know, we, we are a sensor company and, um, we pro we provide results, okay? So if we actually provided the raw data that we measure, it actually allows people, other people to reverse engineer our products. So we don’t generally provide the raw data, so we provide the end outcome. Because it means that people can’t copy what we do. It means we can actually charge a lower price. So actually there’s a lot of logic to, you know, having, you know, [00:21:00] all these ways of engineering a product to, you know, give a better outcome to the end customer. Allen Hall: I know Rosie doesn’t like Elon Musk, but this one of the things that Elon Musk did with Tesla at least, I don’t know about the other companies that he runs, but with Tesla, they went off and. Made patents, right? So they applied for a bunch of patents and received them and then just made them open use. And the reason they did that was so somebody couldn’t jump the patent line, create a patent about some car related electric thing, and prohibit Tesla from doing. And so Tesla has always had the need to create patents that cost them, I’m sure, a, a pretty penny, just so they can avoid. Patent conflicts and lawsuits going forward. And it’s sort of the same thing, right? That the evil engineer bit, that’s the evil engineer bit I, that I don’t like is that when you get these crazy patent things happening out there that are just there to collect money and not do any of the work,  Rosemary Barnes: and some of the patents are. Absolutely crazy. Like when you do a patent search and it’s like you’re [00:22:00] reading the language and like it sounds like they’ve just patented the concept of a wheel, you know? And then you’ve gotta try and figure out like what’s actually going on. Yeah. In  Matthew Stead: our world, someone has a patent around the Doppler shift. Allen Hall: How can you have a patent on Doppler shift? That’s crazy.  Matthew Stead: It’s fundamental physical. You know, there’s a shift in frequency of a sound, um,  Allen Hall: based on speed  Matthew Stead: and yes, sound comes from a blade and there’s a doppler shift.  Allen Hall: That’s real. I, I, I guess, uh, see, that’s, that’s, that’s the craziness of that. See, you should have thought about. The idiots that were gonna do that and then write a patent about Doppler shift.  Rosemary Barnes: It’s really annoying because it’s like, you know that it’s not gonna be, I mean, a lot of them you are like 99% sure it’s not gonna be possible for them to defend that if it gets challenged. But it’s like, to what extent do we trust that, you know? Um, so you still usually end up steering around it anyway, but it, it really gets in the way of elegant engineering solutions. All these. Bizaro patents that are out there like clogging up [00:23:00] the design landscape.  Allen Hall: That happened recently. Right? Rosa? You had and I were talking about a particular patent. I thought had it existed and it did at one point exist and I. Rosie said, I don’t, I don’t see it anymore. So I did some search on it. Yeah, it got pulled off. Uh, the list of valid patents. It was a lightning related thing.  Rosemary Barnes: And you were complaining that it was so obvious that they should never have been able to patent it, but yeah, and somebody obviously said, said something at some. I don’t think patents are not the best way to protect an idea anyway. Right? Like nobody, if you, if you’ve got a new technology idea and you’re relying on a patent to protect other people from copying it, it’s not the best idea. I do work with a lot of small inventors who are like, oh, I’ve got a patent application, and they think it means something, that it doesn’t. They think, oh, you know, patent was approved. That means it works. It means it’s a good idea. It doesn’t mean any of those things for like small, outside of big companies. I, I think it’s super rare that you would get more. You would get a positive return [00:24:00] on. On filing and maintaining a patent in all the countries that, um, are relevant  Allen Hall: as wind energy professionals, staying informed is crucial, and let’s face it difficult. That’s why the Uptime podcast recommends PES Wind Magazine. PES Wind offers a diverse range of in-depth articles and expert insights that dive into the most pressing issues facing our energy future. Whether you’re an industry veteran or new to wind, PES Wind has the high quality content you need. Don’t miss out. Visit PES wind.com today. Sted posted a net loss of 1.7 billion Danish groner, roughly $262 million for the third quarter, as the cost of battling us anti win policies continues to mount the CEO. Rasmus abo, uh, says the company is about. One year into a turnaround plan, uh, that’s set to [00:25:00] run through beginning of 2028, and that the medicine is starting to work. Uh, one major strategic change. Ted will enter partnerships on new projects far earlier, and so it will never again, uh, be forced into damaging late stage divestments The company maintained its full year EBITDA and, uh, guidance of, of, of. 24 to 27 billion Danish kroner. That’s a good bit of money. And the sale of a 50% stake in the horn, C3 to Apollo Global Management for a billion dollars is already under. Well, at least in progress, but there’s a lot more behind the scenes here. Sted had an basically an investor meeting and a shareholder meeting, and, uh, they have three new board members. They let go of, if I remember correctly, three board members that were [00:26:00] employees that they just, uh, had reductions in forces that happen to affect board members, which is very odd. Very, very odd in my. Humble opinion, having watched number of boards for a long time, usually don’t remove board members in that fashion, but there does seem to be a, a, a more emphasis on the board to help, uh, the CEO of stead get through some of these tumultuous times and maybe a little bit of concern about the, the, the way the board was constructed to get or sit back into profitability sooner rather than later. This is a big deal up in Denmark. Of course, stead is the power company for Denmark. This has implications worldwide, though, uh, what stead does everybody else follows. And the one thing that, uh, that was sort of in dispute before the shareholder meeting was EOR at one point, was. At least contemplating a board seat. And then right [00:27:00] before the meeting they backed off and said, no, it’s fine. We don’t want a board seat. Maybe they had some sense of what the changes were gonna be made to the board, so they felt better about it. But orsa is not out of the rough seas at the moment. There’s a couple more years of, of growing pains and learning some lessons that they wish they didn’t have to learn. I guess that’s the way I would look at it. What implications does this have on the greater offshore wind community? Is stead taking basically a step back and, and trying to focus. Herding offshore wind, or is it just other, another companies are gonna step into that, that space that Sted may have previously occupied? Matthew Stead: I think what you’re talking about, um, Alan, is, is all logical. I mean, you know, you can’t have everything. So, um, as in you can’t, you know, getting late to a project and expect it to go well, um, spreading risk is a good thing, you know, so the whole, you know, [00:28:00] doing it fast. Doing it cheap and doing it well. Um, you, you, you can’t have all of those things at once. So actually what they’re talking about, I think is entirely logical. Um, so yeah, I think if they can lead the way that way and, and you know, I’ve come from, um, some other industries like construction and they, they spread the risk across multiple. Organizations that know what they’re doing. So the idea of joint ventures where you get the best of both worlds makes complete sense to me. Allen Hall: Do they start making different decisions on projects based upon their financial stake at the moment? A And more importantly, when they start looking for offshore wind projects, are they likely to hook up with Vestas? Because I, I think that’s where this is all going.  Matthew Stead: Pick a horse.  Allen Hall: Yeah, they’re gonna pick a horse. I, I mean, that’s the best, best way to think about it. They’re gonna pick a horse and gonna stick with them. Instead of having, uh, a lot of options and playing one against the other, I could see alignment happening, uh, versus being the [00:29:00] one offshore, of course. And or instead being a big player. There is, is that the combo that’s gonna push the industry forward? Rosemary Barnes: Yeah, maybe. I mean, I think it’s more similar to what Chinese manufacturers are doing, a lot more vertical integration. You can, um, yeah, save, save a lot of money by doing that. It is. Uh, you know, not always ideal from other points of view. And it might be nice to have a, you know, a thriving technology ecosystem of, you know, different manufacturers competing with each other and, you know, making better products. So, um, yeah, I don’t know, uh, have sit on the fence on this one for what’s good. I do feel really bad for osted though, like in terms of the, the. Shocks that they’ve had over the last couple of years. I, I don’t think most people would’ve foreseen that it would be so risky to try and expand into the US like everybody. A few years ago, everybody thought that that was the next big profitable frontier in offshore wind. And [00:30:00] I don’t think that many people would’ve foreseen things going the way that they did.  Allen Hall: Is it the result of large industrial projects take time and that in that timeframe, five, 10 years, that the world changes so much? You can’t. Accurately predict what the outcome will be and or it just got caught up in it.  Rosemary Barnes: Yeah, I think that’s actually one of the themes you guys have read, um, how big things get Done Right by Ben. Um, that’s one of the things that he mentions that the quicker that you can do the execution phase of your project, like spend plenty of time planning it, but when you’re actually committed, work super fast because the longer that you’re working, the more your chance of a, a black swan. Um, a Black Swan event be, you know, a government that turns out to, you know, want to, you know, tear up contracts and you know, do all these other unprecedented stuff. You know, if you’ve got projects that take 10 or more years to build, then there’s just like a lot more risk of something like that happening. And I think that, um, you know, like in some ways that’s just one of the inherent weaknesses of [00:31:00] wind energy in general, but offshore wind especially is that it does actually take a long time to get through all of the things that you need to do to. Um, to complete a project. And so it’s just, yeah, a lot more chance for, you know, the government will change two or three times probably in, um, you know, during a project. How many wars can start, how many, you know, pandemics. Can there be you? Like, the longer that you’re going, you might think none of those things could be predicted and that can’t, but you can predict that those sorts of big things happen. And the longer that you, um, are exposed and the more of them that you’re probably gonna face. And I think that, yeah, like something like a solar farm is much quicker to roll out. Um, battery projects are much quicker to roll out. So it’s just like that, those are benefits of those technologies compared to wind. You just have to kind of accept that that’s one of the weaknesses of this, this industry that we’re in. Allen Hall: Is it a benefit to have solar because it can deploy very quickly, or, or is it just [00:32:00] smarter to have. More wind turbines of smaller megawatt outputs because you can manufacture ’em at scale quicker, and so the economies of scale don’t really matter so much. This is an argument we’ve been making for months now, that when you start selecting a single turbine, which doesn’t have any history, and it’s a big one, and it takes a long time to produce, you are really setting up yourself to fall into that window where something can go wrong. Versus just stamping out two or three megawatt turbines and going like crazy. It just seems so much less risky.  Rosemary Barnes: I think that I definitely agree with you for onshore and then for offshore. Probably also, like I don’t think it’s necessarily go for a smaller turbine. It’s just don’t go for the brand new one. Like that’s why I don’t understand how many people are like so obsessed with this, you know, small, small amount of improvement that they get from the very biggest. Turbine, but I don’t think that they realize the amount of technical risk. And I think that it gets, it’s getting [00:33:00] more and more like the, um, technology increment is getting more and more the bigger that we go. It’s not that like, oh, we’re learning how to do this, this, well, it’s, it’s the opposite that, you know, like every, um, increment up in size as an exponentially more like larger number of problems, technical problems that have to be solved. And, um, I think that, yeah, that’s. That’s something people don’t factor in. Allen Hall: Is it the gold rush problem where the miners were trying to hit that pocket of gold and spending all their time trying to find this gold, find this gold. In the meantime, a lot of them obviously broke, and the people that made money in the gold rush or the stores that sold the pickaxes, if you, you making a pickaxes, you have a customer page, you can just sell those things in. Levi’s, be the other one, right? So they’re selling genes of pickaxes to the miners. Guess who won in that battle, right? Levi’s.  Rosemary Barnes: But what’s the analogy with win two of the pickax manufacturers,  Allen Hall: the people that make the two megawatt machines? In my opinion, that’s gonna be who the pickaxes are because you don’t have to think about it. If [00:34:00] you can talk to operators of the United States today and you say, what turbine would you like to buy over again? And they will almost all tell you, GE one point fives. Almost all of them. And you go, yeah. Oh, okay. I understand it because it’s a machine. It’s pretty simple. But it does work. And it is, it is a true warhorse turbine. And some of the vested ones are the same. Simpson Siemens turbines are very similar, right? Uh, but in today’s world, when we’re talking about 15, 20 megawatt turbines, I just think, man, you gotta be careful doing that just because of the time it takes to develop it and produce it, and. Work at all the kinks? Uh, Rosemary, I think you’re right about that.  Rosemary Barnes: I think the issue is that, um, when you’re deciding whether to develop a project or not, it really depends a lot on what the spreadsheet tells you your return is going to be. And, um, you know, a bigger turbine with, uh, you know, like larger output over its lifetime, longer lifetime. Those are all gonna give you really good. Spreadsheet numbers, but what’s not in the spreadsheet [00:35:00] is, oh, you know, you’ve actually increased your risk of having to wait two years while they replace every single blade in this, um, in this wind farm. Oh, by the way, yeah, you’re gonna be dealing with, um, you know, twice as many repairs and your, um, downtime is not gonna be 2%, it’s gonna be 3.5% or, or something. You know, those, those sorts of things, I don’t think, uh, adequately captured in the, the spreadsheets whe say when you, whether you should or shouldn’t develop a new project.  Matthew Stead: So, so the evil engineering should be making decisions, not the evil lawyers.  Allen Hall: The financial people always make the decisions, right? The insurance companies make the decisions.  Rosemary Barnes: Don’t think there’s a lot of engineering into, um, input in the, the very first stages. But I also think that if you put in the reality, like most engineers, I think are a little bit pessimistic because our job is to see what problems exist at, you know, and then solve them ideally. Um, but at least part of it, like our brains are wired to look for problems, right? That’s, um, that’s a necessary part of the job, in my opinion. But if you were, you know, like pessimistic in your assumptions in the [00:36:00] spreadsheet, you would probably the majority of the time say, don’t make this project. The return is not very good. Allen Hall: Well, that would be a smart move, right? Yeah.  Rosemary Barnes: Yeah. So I don’t actually think you probably should have too many engineers in in involved.  Matthew Stead: Yeah. But what is the CEO incentivized by is the, yeah, so it, it comes back to, you know, what, what, what drives the project And it’s not just engineering.  Allen Hall: That wraps up another episode of the Uptime Wind Energy Podcast. If today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t forget to subscribe. So if you never miss an episode and if you found value in today’s conversation, please leave us a review. It really helps. For Rosie and Matthew, I am Allen Hall and we’ll see you next week on the Uptime Wind Energy [00:37:00] Podcast.

Carolyn Philstrom is an ordained minister in the Evangelical Lutheran Church in America and works as a healthcare chaplain, with experience at both a major academic teaching hospital and in hospice. She lives with her husband Rory and their two children Edan, 7 and Josephine 3. Edan was one of the first humans to be diagnosed with Spinal Muscular Atrophy on the newborn screen in Minnesota and was treated before the onset of symptoms. He is a miracle child, developing without signs or symptoms of SMA. She is an independent rare disease advocate, working to advance newborn genomic sequencing, helping SMA patients in other countries create patient advocacy groups, and assists companies who are dedicated to affordable and accessible gene therapies expand and advance their mission. Carolyn is a proud monthly donor to Genomes2People, Dr. Robert Green's (Harvard University) non-profit working to advance genomic medicine. Most recent blog about our story (2025) Blog I wrote for Harvard University (2024) Speech I gave for Harvard University (2024) Washington Post article about newborn screening Bloomberg Article about newborn screening Dr. Tim McLerran is a physician-turned product leader with a mission to bring human and machine intelligence together in the service of clinical challenges. During a research fellowship at the University of California, San Diego, Tim co-developed methods to rapidly measure the molecular milieu of human blood using mass spectrometry. This exposed him to the massive volume of data in precision medicine, and precipitated a realization that artificial intelligence would have to be a part of medicine in order for us to make full use of the data available for each patient. As an entrepreneur and product leader, Tim has developed and deployed systems which provide AI support to clinicians in diagnosis, management, documentation, and patient communication. He is dedicated to the quadruple aim of healthcare, practices user-centered design, favors lean and agile methods of software development, and actively advocates for the ethical principles laid out by the American Medical Association in their November 2024 statement "Augmented Intelligence Development, Deployment, and Use in Health Care.

The inclusion of Severe Combined Immunodeficiency and Spinal Muscular Atrophy brings the total number of conditions tested to eleven. Bróna Noonan spoke about her son Donnacha and the inclusion of a test for SMA in the the heel prick test.

In episode 157, host Kevin Schaefer talks with Delphine Andrews from Durham, North Carolina. Delphine is a life coach and disability advocate living with SMA. She talks with Kevin about her journey toward accepting herself, advocating for others, and transitioning to her current career path. She also discusses intersectionality, managing caregivers, and gives advice on life and relationships. Delphine's website: https://disabilityreclaimed.com/ Delphine's Instagram: https://www.instagram.com/disability_reclaimed/ ================================ To take part in our ongoing discussions regarding SMA, please visit www.smanewstoday.com/forums

SMAs are booming inside the financial advice sector: But if they are so terrific, then why is regulator ASIC asking so many probing questions around fees and conflicts of interest?Nathan Fradley of Fradley Advice joins Associate Editor, James Kirby in this episode. In today's show, we cover... The good, bad and potentially ugly side of the SMA boom Will SMSFs get a fair deal in the new Compo scheme of last resort Reward points and super funds- a marriage made in the marketing department Why are financial advice fees not coming down if AI cuts costs? See omnystudio.com/listener for privacy information.

What happens when your instincts tell you something is wrong—but you're dismissed again and again? For many parents, the journey to a diagnosis begins with a gut feeling—and the courage to persist in seeking answers. This week, Katie sits down with Nikki McIntosh, author and advocate, to share the story of her son Miles, who was diagnosed with spinal muscular atrophy (SMA) at just 18 months old. After noticing delays in his ability to stand and bear weight, Nikki followed her instincts despite initial dismissal—ultimately leading to a life-changing diagnosis. Nikki shares what those early days looked like—from navigating testing and procedures to receiving the diagnosis that changed everything. She opens up about the grief, fear, and urgency that followed, and how she quickly stepped into the role of advocate, building a care team and learning how to navigate complex medical systems in real time..  If you've ever questioned your instincts or felt lost navigating a diagnosis, this conversation offers validation, practical guidance, and hope. This episode is sponsored by Gebauer PainEase®. We extend our sincere gratitude to Gebauer PainEase® for supporting this episode. To learn more about this product, visit their website.   Resources & Ways to Connect Visit Nikki's Website Find her book wherever books are sold (Amazon, Barnes & Noble, Target, and more) Helpful Resources Mentioned National Organization for Rare Disorders (NORD) Global Genes Cure SMA (patient advocacy organization)   Connect with Us Subscribe: Never miss an episode on Apple Podcasts or Spotify. Visit insidethechildrenshospital.com to search stories and episodes easily Follow us on Instagram for updates and opportunities to connect with other parents Download SupportSpot: receive Child Life tools at your fingertips. Leave a Review: It helps other families find us and access our resources! Medical information provided is not a substitute for professional advice—please consult your care team. Keywords: spinal muscular atrophy, SMA child story, rare disease diagnosis child, delayed milestones baby, parenting medically complex child, rare disease advocacy, navigating pediatric diagnosis, EMG test child, pediatric neuromuscular disease, child life coping tools, supporting child through medical tests, rare disease parent support, medical parent journey, hope after diagnosi    

With the S&P 500, Nasdaq-100, and Dow Jones all below their 200-day SMA, Charles Schwab's Nathan Peterson analyzes price action and its correlation to crude oil's spike. Options activity in the S&P and VIX are what Nate believes serve as the most important indicators traders need to watch. The big question he has for future moves: have we already hit capitulation? ======== 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

Good morning from Pharma Daily: the podcast that brings you the most important developments in the pharmaceutical and biotech world. Today, we're diving into a series of transformative developments that underscore the continual evolution of this dynamic industry.First, let's explore the latest strategic move from Takeda Pharmaceuticals, which has embarked on a $1.3 billion restructuring plan in the United States. This has resulted in layoffs affecting 634 employees, a decision aimed at streamlining operations and cutting annual costs by over $1.26 billion. Such significant restructuring efforts are likely to alter market dynamics, as Takeda reallocates resources to focus on its core competencies and innovation-driven growth. The industry may witness shifts as Takeda aims to bolster its competitive edge amid a rapidly evolving market landscape.In a significant regulatory development, Biogen has successfully secured FDA approval for a high-dose version of Spinraza, designed to treat spinal muscular atrophy (SMA). This approval, following the resolution of prior manufacturing concerns, is a strategic effort to enhance therapeutic efficacy and maintain Biogen's competitive positioning against newer market players. The high-dose formulation of Spinraza promises improved patient outcomes, reinforcing Biogen's dedication to addressing unmet medical needs in SMA and offering hope to patients and families affected by this debilitating condition.Meanwhile, Samsung Biologics faces internal challenges as its labor union votes in favor of striking over unresolved governance issues and rigid labor policies. This potential strike highlights growing tensions within the company and raises concerns about operational continuity, which could affect production timelines and contractual obligations with partners. It's a reminder of the delicate balance between corporate governance and employee relations within major organizations.On the innovation front, Idorsia's investigational drug Quviviq has shown promise in treating pediatric insomnia following successful Phase 2 trials. If approved, Quviviq could be a pioneering treatment for children with insomnia, setting a new standard of care for this underserved patient population. This development highlights the importance of addressing specific medical needs across different demographics within the broader field of sleep disorders.Financial investments in research and development continue to shape the industry, with Eli Lilly embracing insilico medicine's AI technology through a $2.75 billion collaboration. This partnership aims to leverage AI-driven insights for drug discovery, reflecting an industry-wide trend toward integrating digital technologies into R&D processes. By adopting AI, companies like Eli Lilly are poised to accelerate drug discovery timelines and enhance precision in identifying potential therapeutic candidates. Additionally, Eli Lilly is spearheading research efforts into GLP-1 receptor agonists for treating substance use disorders, based on emerging scientific evidence suggesting these compounds could play a role in managing addiction by modulating reward pathways linked to addictive behaviors.In cardiovascular health advancements, Boston Scientific's Watchman heart implant has demonstrated substantial clinical benefits by reducing bleeding risks compared to traditional anticoagulants while maintaining non-inferiority in stroke prevention and mortality outcomes among atrial fibrillation patients. This advancement is likely to influence future clinical practice guidelines by offering safer long-term management options for atrial fibrillation.Moreover, Advocate Health's ambitious hospital drone delivery program, in partnership with Zipline, seeks to revolutionize logistics within healthcare delivery systems across major U.S. cities. By enhancing supply chain efficiencies and ensuring timely access to critical Support the show

AMD Inc. (AMD) testing the 200-day SMA is the stock's biggest test right now, says Kevin Horner with Charles Schwab. He explains why it's a line in the sand for bulls and bears after shares fell about 25% from record highs. ======== 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

"Bounce levels" in the S&P 500 (SPX) will depend on where markets close Friday, says @CharlesSchwab's Joe Mazzola. Market breadth isn't helping push back U.S.-Iran volatility, as Joe points to less than 50% of SPX stocks trading above their 200-day SMA. He's waiting for a market "flush" before fear can truly begin to trickle out of markets. "It's hard for investors to place where they can hide," says Joe, noting headline-by-headline volatility constantly shifting market direction. ======== 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

Lance Roberts and Jon Penn tackle the most pressing portfolio questions investors and retirees are asking right now: Challenge the assumption that older investors should automatically shift to ultra-conservative allocations Whether every account in a multi-account household needs the same investment strategy why Roth IRAs may warrant a more aggressive growth posture How much weight each equity position should carry, and how many stocks is too many Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:13 - Market Follow-up: What We Did 4:24 - Geopolitical Concerns Taint Earnings Estimates 6:54 - Market Performance Summary 10:54 - Concerns Over Iran, Oil, & Market Performance 13:14 - Confusion About Portfolio Positioning Now 15:13 - Three Legs of a Stable Portfolio 18:25 - In Times of Heightened Uncertainty... 22:01 - Do Not Speculate in Your Roth IRA 25:53 - How Many Stocks in a Portfolio? 30:08 - SMA's vs Tracking the S&P 31:50 - Missing 10-Best Days vs 10-Worst Days 34:47 - Why You Cannot Beat the Benchmark Index 36:34 - Looking at Portfolio Performance 40:05 - Separating Emotion from Reality 42:26 - Beware "Variable Preferred" 47:38 - Risk is How Much Money You Lose... ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/rkNXUn87QUc?feature=share ------- Watch our previous show, "200-DMA Broken – Bear Market or Buy Signal?" https://youtube.com/live/VlxdVnhyKR4?feature=share ------- Articles Mentioned in Today's Show: "The 200-DMA Just Broke: What Every Investor Should Know" https://realinvestmentadvice.com/resources/blog/the-200-dma-just-broke-what-every-investor-should-know/ "The Dollar's Plumbing: Conspiracy Vs. Data" https://realinvestmentadvice.com/resources/blog/the-dollars-plumbing-conspiracy-vs-data/ "CDX: Credit Spreads Are Flashing A Warning" https://realinvestmentadvice.com/resources/blog/cdx-credit-spreads-are-flashing-a-warning/ -------- The latest installment of our new feature, Before the Bell, "Markets Stall - Why We're Raising Cash is here: https://youtu.be/EPniBHKjggQ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/

Lance Roberts and Jon Penn tackle the most pressing portfolio questions investors and retirees are asking right now: Challenge the assumption that older investors should automatically shift to ultra-conservative allocations Whether every account in a multi-account household needs the same investment strategy why Roth IRAs may warrant a more aggressive growth posture How much weight each equity position should carry, and how many stocks is too many Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:13 - Market Follow-up: What We Did 4:24 - Geopolitical Concerns Taint Earnings Estimates 6:54 - Market Performance Summary 10:54 - Concerns Over Iran, Oil, & Market Performance 13:14 - Confusion About Portfolio Positioning Now 15:13 - Three Legs of a Stable Portfolio 18:25 - In Times of Heightened Uncertainty... 22:01 - Do Not Speculate in Your Roth IRA 25:53 - How Many Stocks in a Portfolio? 30:08 - SMA's vs Tracking the S&P 31:50 - Missing 10-Best Days vs 10-Worst Days 34:47 - Why You Cannot Beat the Benchmark Index 36:34 - Looking at Portfolio Performance 40:05 - Separating Emotion from Reality 42:26 - Beware "Variable Preferred" 47:38 - Risk is How Much Money You Lose... ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/rkNXUn87QUc?feature=share ------- Watch our previous show, "200-DMA Broken – Bear Market or Buy Signal?" https://youtube.com/live/VlxdVnhyKR4?feature=share ------- Articles Mentioned in Today's Show: "The 200-DMA Just Broke: What Every Investor Should Know" https://realinvestmentadvice.com/resources/blog/the-200-dma-just-broke-what-every-investor-should-know/ "The Dollar's Plumbing: Conspiracy Vs. Data" https://realinvestmentadvice.com/resources/blog/the-dollars-plumbing-conspiracy-vs-data/ "CDX: Credit Spreads Are Flashing A Warning" https://realinvestmentadvice.com/resources/blog/cdx-credit-spreads-are-flashing-a-warning/ -------- The latest installment of our new feature, Before the Bell, "Markets Stall - Why We're Raising Cash is here: https://youtu.be/EPniBHKjggQ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #200DMA #MarketAnalysis #TechnicalAnalysis

Charles Schwab's Kevin Horner notes an impressive rally in Ulta Beauty (ULTA) serving as its own headwind into earnings Thursday. He points a technical dip in shares below the 50-day SMA as a warning sign against momentum. Kevin uses his expertise to highlight levels to watch once Ulta reports. ======== 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

Every disconnected monitoring platform in your stack is a blind spot. And every blind spot is lost revenue. On this episode of The Clean Power Hour, host Tim Montague sits down with Hervé Billiet, CEO of Sunvoy and co-host of What Solar Installers Need to Know. Sunvoy is a solar fleet monitoring and customer management platform that pulls inverter data from multiple brands into a single dashboard so installers see their entire fleet in one place.Tim and Hervé cover the shift from residential to commercial solar, the growing role of batteries and VPPs, and why fleet monitoring and O&M are no longer optional for installers who want to stay competitive in 2026.Here's what you'll learn in this conversation about scaling a solar business and preparing for the C&I transition:Find out why solar systems produce less than promised, and how the industry's "no maintenance" sales pitch created a generation of neglected assets.Learn how consolidating inverter data from SMA, SolarEdge, and other platforms into one dashboard changes the way installers manage their fleet.Understand the "dead zone" between residential and commercial solar, where companies running both without dedicated teams risk breaking both pipelines.You'll hear why predictive AI in monitoring is premature for most residential installers, and why fixing offline inverters matters more right now than advanced models.Learn what a 3-year payback on C&I solar with batteries in Illinois signals about where the market is heading, and why Tim predicts VPPs will be active in 30 states within five years.With residential solar declining and battery attachment rates rising, the installers who build dedicated teams and monitoring systems now will be the ones still operating in five years.Connect with Hervé Billiet here. Sunvoy: https://sunvoy.com/Hervé Billiet: https://www.linkedin.com/in/hervebilliet/What Solar Installers Need to Know podcast: https://sunvoy.com/podcast Support the showConnect with Tim Clean Power Hour Clean Power Hour on YouTubeTim on TwitterTim on LinkedIn Email tim@cleanpowerhour.com Review Clean Power Hour on Apple PodcastsThe Clean Power Hour is produced by the Clean Power Consulting Group and created by Tim Montague. Contact us by email: CleanPowerHour@gmail.com Corporate sponsors who share our mission to speed the energy transition are invited to check out https://www.cleanpowerhour.com/support/The Clean Power Hour is brought to you by CPS America, maker of North America's number one 3-phase string inverter, with over 6GW shipped in the US. With a focus on commercial and utility-scale solar and energy storage, the company partners with customers to provide unparalleled performance and service. The CPS America product lineup includes 3-phase string inverters from 25kW to 275kW, exceptional data communication and controls, and energy storage solutions designed for seamless integration with CPS America systems. Learn more at www.chintpowersystems.com

What separates war fighting from a warrior? Is it skill? Is it experience? Or is it something deeper that only reveals itself when it matters most?From the Pentagon, Fran Racioppi sat down with Sergeant Major of the Army Mike Weimer and retired Command Sergeant Major Rick Merritt to discuss what it truly means to build and sustain warriors in the United States Army.CSM Merritt spent over three decades on active duty, including 25 years in the 75th Ranger Regiment, serving in every enlisted leadership position from rifleman to Regimental Sergeant Major. He conducted over 1,500 combat operations under Joint Special Operations Command and served more than five years in combat task forces in Iraq and Afghanistan. His experience spans the full arc of modern warfare.Together with the SMA, we unpack into the difference between technical proficiency and true warrior mindset, what commitment looks like when compliance disappears, and how leaders enforce standards without eroding trust. We explore whether resilience is built over time or revealed under pressure, and how purpose sustains Soldiers when motivation begins to fade.As warfare becomes more technical and systems driven, the SMA is challenging the force to ensure technology enhances the warrior. Future conflict will demand innovation and the technological edge, but victory on the battlefield will still be decided by human judgment, character, and leadership.This is a conversation about standards, commitment, mental toughness, and the responsibility of leaders to hold the line…not just to engage in the business of war fighting, but to forge warriors ready to close with and destroy our nation's adversaries.HIGHLIGHTS0:00 Welcome to the Jedburgh Podcast4:40 Defining An Army Warrior14:02 Compliance to Commitment20:02 What Is The Army Culture?27:18 Why A Warrior Mindset Matters38:52 How to Lead the War fighting ProfessionQUOTES“I see a warrior as the reason why we do it.”“Make a difference with your presence. Otherwise, why are you there?”“A warrior is a way of life.”“Technology is not going to make up for the foundation.”“A warrior is one that is dedicated, disciplined, willing to go the extra mile, will fight for those left and right, and never quit.”“The best recruiters we have are our service members, our veterans.”“How much is enough of these key attributes to take a risk on you and bring you in and start developing the rest of that?”“There's just some things about human beings that are going to be done on an individual's basic timeline in life.”“It's not normal for this generation.”“Combat readiness is a way of life.”“Although I took the uniform off, my oath didn't go away.”“The guys on my team know that they're in the right spot with the right people, with the right culture.”“You're consecrated into this culture that I got to find when I retire.” “What makes that culture is character and character development.”“That probably makes the difference in the world is where our NCO core is compared to other countries.”“I'm a firm believer that the noncommissioned officer is the keeper of the culture.”“I think that was our biggest challenge in Vietnam.”“This profession, we hand you a machete and we say ‘Take that path.'”“Grit comes through hardship.”“At the end of the day, guys got to go on the ground.”“We're struggling a little bit in that space.”“There's no time limit on honorable service.”“What is better than being a company commander?”“Don't be a pain in the ass. Be value added.”“This is a journey, not a destination.”“A legend is nothing but a man or woman who spent their life surrounding themselves with people better than them.”Follow the Jedburgh Podcast and the Green Beret Foundation on social media. Listen on your favorite podcast platform, read on our website, and watch the full video version on YouTube as we show why America must continue to lead from the front, no matter the challenge.

Pushing Forward with Alycia welcomes award-winning singer, songwriter, actor, writer, and Georgetown Law graduate James Ian, who lives with Spinal Muscular Atrophy (SMA) type 3. Alycia Anderson and James talk about meeting at New York Fashion Week 2024 during Runway of Dreams and what it meant to see disabled models represented on the runway. James shares how access barriers at Georgetown motivated him toward law school to fight for disability rights, and how experiences performing music—including falling on stage and disclosing his disability—helped him realize he could advocate through art. He also talks about his performance at the DRA Gala (Disability Rights Advocates) in a room that included Hillary Clinton, and discusses the limited opportunities for disabled musicians, widespread venue inaccessibility, and the extra labor of education and advocacy alongside creative work. James details SMA basics, how type 3 has progressed for him, and complications from his cervical stenosis surgery that led to C5 palsy, major loss of arm strength, requiring rehab and forcing him to relearn his body. This episode dives into so much more with reflections on grief, gratitude, learning to accept help and more on his songs including “Spaces,” “Lift Me Up” honoring Judy Heumann, and his collaboration “Unconditional Love” with disabled artist Tap Waters. What Shaped Our Dialogue ✨ When Advocacy Meets Artistry ⚖️ From Law to Lyrics

The brilliant comedian, podcaster and writer Sara Pascoe joins Chris and Rosie on today's Please Keep Me Anonymous. They discuss Book-Tok, coming to trends late, their first ever stand up kids and how life (and work) changes once you have kids! Sara also reads a very funny story from a SMA! You can catch Sara on tour with her show I Am a Strange Gloop, for tickets visit sarapascoe.co.uk/tickets Sara's podcast Weirdos Book Club which she hosts with Cariad Lloyd is available wherever you get your podcasts and you can even catch them in person at The Crossed Wires Festival. Visit crossedwires.live/podcast/weirdos-book-club for tickets If you want to get involved and have your stories and voice notes included on the podcast then get in touch!

Text Us!In this episode, we talked to Grace Grutter about raising her daughter Nella, who has SMA.To find out more about Grace, follow her on Instagram @bowennellaandco Please subscribe, leave a review, and follow us on social media to know about upcoming episodes and to participate in this podcast.Instagram - @raisingdisabledpodcastFacebook - Raising Disabled Podcast

Al Freedman, PhD, is a psychologist, educator, and rare disease advocate with more than two decades of experience working with individuals and families affected by rare diseases and disabilities.Dr. Al is inspired by his personal journey as the father of Jack, who lived with spinal muscular atrophy (SMA) for 26 years, as well as his professional training and experience as an educator to provide counseling and consultation. He works with families, advocacy organizations, pharmaceutical companies, healthcare organizations, and schools to create meaningful support systems and impactful change within the rare disease and disability communities. Connect with Al Freedman:Website: https://www.rarecounseling.com/ LinkedIn: http://www.linkedin.com/in/albertfreedman/ TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

On this week's podcast Rosie is on a 'bad week' but that doesn't stop the pair from having a good laugh! They discuss Rosie's dreams, safety gadgets, a potential new invention and testosterone! Plus Chris serves up some facts and gets Rosie to join in on his quiz. There's beefs and even a WhatsApp beef from a SMA ! Another fart medley and some brilliant QTFTP! If you want to get involved and have your stories and voice notes included on the podcast then get in touch!

Questions? Comments?Don and Tom kick off the show with weekend banter and nostalgia about checkbooks before diving into why buying and selling a home remains one of life's biggest—and most misunderstood—financial decisions. Using a Wall Street Journal quiz, they explore smart pricing, commission negotiations, low-cost home improvements, inspections, seasonal pricing patterns, and even haunted-house disclosures. Along the way, callers ask about life insurance planning, tax-managed accounts, umbrella insurance, and retirement income strategy. The episode emphasizes realistic expectations, low-cost investing, diversification, and avoiding unnecessary fees, while reminding listeners that simple, disciplined decisions usually beat flashy financial “solutions.”0:04 Weekend open, call-in invite, “no annuity” guarantee, check-writing nostalgia1:24 Don discovers last checks were written in 2019–20212:45 Home buying/selling as life's biggest transaction3:20 Overpricing your house and “it's worth what someone pays”4:24 WSJ real estate quiz: pricing strategy in slow markets6:14 Break, banter, and commission quiz setup7:04 Real estate commissions are negotiable8:10 Selling by owner and staging realities9:14 Caller Dustin: debt-free at 27, life insurance, DIY vs advisors12:41 Planning for life insurance proceeds and beneficiaries14:06 Zillow estimates and home values14:43 Caller Joey: SMAs and tax-loss strategies17:31 Capital gains, housing exemptions, and SMA practicality19:16 Caller Beth: umbrella insurance for homeowners22:02 Caller Ron: retirement income, stable value funds, RMDs25:06 Diversification beyond the S&P 50026:50 Returning to WSJ real estate quiz27:43 Best ROI upgrades: paint and curb appeal28:23 Pre-listing inspections29:44 When home prices peak (June)31:09 Haunted houses and disclosure laws33:43 Listener portfolio: AVGE, AVGV, bondsLearn more about your ad choices. Visit megaphone.fm/adchoices

On this week SMA, Chris has some Soft Play beef, he makes a public apology to friend of the pod, Carl Hutchinson and he reveals why he begrudges Nana Bridget the leftovers! Rosie hears from Kev with some low level (unintentional) trolling and she explains her love of clingfilm. All of this plus some fantastic WhatsApp messages