Podcasts about SMA

It's the first SMA of December which means it's decoration time! Rosie and Chris discuss Christmas trees, Chris' weekend away, a present from last year and an unusual use for medical syringes. There are also some dinner and bin based beefs plus QFTP involving bubble wrap, a driving instructor and a very very VERY bad commute. Keep sending your brilliant stories to shaggedmarriedannoyed@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Reports say Amazon (AMZN) may consider ditching its partnership with the United States Postal Service in favor of building its own postal service. Alex Coffey talks about this headline and other will impact price action as the stock remains fairly flat year-over-year. He talks about why the 5-day and 21-day SMA are metrics traders should watch before turning to the options front. ======== 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

Ohio enshrined reproductive freedom in the state constitution in 2023, but sneaky attempts to thwart the will of the people are still very much in play. Kelley Fox and Rev. Terry Williams take aim at some sly laws slipped in to the state budget and shoved through the latest legislative session that seek to burden reproductive healthcare providers, stigmatize abortion seekers, and ultimately force a minority religious viewpoint onto the bodies of every Ohioan. Calling out the dishonesty and religious hypocrisy of crafty anti-abortion zealots, Kelley and Terry help listeners gain perspective, centering this episode on the important truth at the core of this struggle — that people who support abortion-positive policies are in the majority in Ohio and beyond. Links to discussed content: Ohio Monthly Abortion Report - https://odh.ohio.gov/explore-data-and-stats/published-reports/data-and-stats-abortion-reports What are TRAP laws? - https://www.plannedparenthoodaction.org/issues/abortion/types-attacks/trap-laws Preaching Personhood: The Politics of Ignoring People In the Present - https://faithchoiceohio.podbean.com/e/preaching-personhood-the-politics-of-ignoring-people-in-the-present/ SMA in Good Faith Training - https://www.faithchoiceohio.org/self-managed-abortion-in-good-faith-training Abortions are Holy, a new zine by Faith Choice Ohio! - https://www.faithchoiceohio.org/zines/p/abortions-are-holy-mini-zine Ohio lawmakers move to restrict mifepristone - https://ohiocapitaljournal.com/2025/11/18/ohio-gop-lawmakers-move-to-ban-telehealth-mail-order-abortion-pills/ Student required to view “Live Action” propaganda video in Ohio - https://ohiocapitaljournal.com/2025/11/19/ohio-house-passes-bill-requiring-public-schools-show-baby-olivia-video-to-students-in-grades-5-12/ Experts say new anti-abortion laws in Ohio are about misinformation - https://ohiocapitaljournal.com/2025/11/12/ohio-bill-requiring-legal-statement-prior-to-abortion-treatment-could-sew-mistrust-experts-say/ Music by Korbin Jones

Allen and Joel sit down with Dan Fesenmeyer of Windquest Advisors to discuss turbine supply agreement fundamentals, negotiation leverage, and how tariff uncertainty is reshaping contract terms. Dan also explains why operators should maximize warranty claims before service agreements take over. Sign up now for Uptime Tech News, our weekly email update 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 Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining Light on Wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Allen Hall: Dan, welcome to the program. Great to be here. Thanks for having me, guys. Well, we’ve been looking forward to this for several weeks now because. We’re trying to learn some of the ins and outs of turbine supply agreements, FSAs, because everybody’s talking about them now. Uh, and there’s a lot of assets being exchanged. A lot of turbine farms up for sale. A lot of acquisitions on the other side, on the investment side coming in and. As engineers, we don’t deal a lot with TSAs. It’s just not something that we typically see until, unless there’s a huge problem and then we sort of get involved a little bit. I wanna understand, first off, and you have a a ton of experience doing this, that’s why we [00:01:00] love having you. What are some of the fundamentals of turbine supply agreements? Like what? What is their function? How do they operate? Because I think a lot of engineers and technicians don’t understand the basic fundamentals of these TSAs. Dan Fesenmeyer: The TSA is a turbine supply agreement and it’s for the purchase and delivery of the wind turbines for your wind farm. Um, typically they are negotiated maybe over a 12 ish month period and typically they’re signed at least 12 months before you need, or you want your deliveries for the wind turbines. Joel Saxum: We talk with people all over the world. Um, you know, GE Americas is different than GE in Spain and GE in Australia and Nordics here, and everybody’s a little bit different. Um, but what we, we regularly see, and this is always an odd thing to me, is you talked about like negotiating. It starts 12 months ahead of time stuff, but we see that [00:02:00] the agreements a lot of times are very boilerplate. They’re very much like we’re trying to structure this in a certain way, and at the end of the day, well, as from an operator standpoint, from the the person buying them, we would like this and we would like this and we would like this, but at the end of the day, they don’t really seem to get that much negotiation in ’em. It’s kind of like, this is what the agreement you’re gonna take and this is how we sell them. That’s it. Is, is that your experience? I mean, you’re at GE for a long time, one of the leading OEMs, but is that what you’re seeing now or is there a little bit more flexibility or kind of what’s your take on that? Dan Fesenmeyer: I think generally it depends, and of course the, the OEMs in the, and I’ll focus more on the us, they’ll start with their standard template and it’s up to the purchaser, uh, to develop what they want as their wishlist and start negotiations and do their, let’s say, markup. So, uh, and then there’s a bit of leverage involved. If you’re buying two units, it’s hard to get a lot of interest. [00:03:00] If you’re buying 200 units, then you have a lot more leverage, uh, to negotiate terms and conditions in those agreements. I was with GE for 12 years on the sales and commercial side and now doing advisory services for four years. Uh, some of these negotiations can go for a long time and can get very, very red. Others can go pretty quick. It really depends on what your priorities are. How hard you want to push for what you need. Allen Hall: So how much detail goes into a TSA then are, are they getting very prescriptive, the operators coming with a, a list of things they would like to see? Or is it more negotiating on the price side and the delivery time and the specifics of the turbine? Dan Fesenmeyer: Generally speaking, you start kind of with the proposal stage and. First thing I always tell people is, let’s understand what you have in your proposal. Let’s understand, you know, what are the delivery [00:04:00] rates and times and does that fit with your project? Does the price work with respect to your PPA, what does it say about tariffs? That’s a huge one right now. Where is the risk going to land? What’s in, what’s out? Um. Is the price firm or is there indexation, whether it’s tied to commodities or different currencies. So in my view, there’s some pre-negotiations or at least really understanding what the offer is before you start getting into red lines and, and generally it’s good to sit down with the purchasing team and then ultimately with the OEM and walk through that proposal. Make sure you have everything you need. Make sure you understand what’s included, what’s not. Scope of supply is also a big one. Um, less in less in terms of the turbine itself, but more about the options, like does it have the control features you need for Ercot, for example. Uh, does it have leading [00:05:00]edge protection on your blades? Does it have low noise trailing edge? Do we even need lo low noise trailing edges? Uh, you know, those Joel Saxum: sorts Dan Fesenmeyer: of things. Joel Saxum: Do you see the more of the red lining in the commercial phase or like the technical phase? Because, and why I ask this question is when we talk, ’cause we’re regularly in the o and m world, right? Talking with engineers and asset managers, how do you manage your assets? And they really complain a lot that a lot of their input in that, that feedback loop from operations doesn’t make it to the developers when they’re signing TSAs. Um, so that’s a big complaint of theirs. And so my question is like, kind of like. All right. Are there wishes being heard or is it more general on the technical side and more focused on the commercial Dan Fesenmeyer: side? Where do you see that it comes down to making sure that your negotiation team has all the different voices and constituents at the table? Uh, my approach and our, our team’s approach is you have the legal piece, a technical piece, and we’re in between. We’re [00:06:00] the commercial piece. So when you’re talking TSAs, we’re talking price delivery terms. Determination, warranty, you know, kind of the, the big ticket items, liquidated damages, contract caps, all those big ticket commercial items. When you move over to the operations agreement, which generally gets negotiated at the same time or immediately after, I recommend doing them at the same time because you have more leverage and you wanna make sure terms go from TSA. They look the same in the. Services agreement. And that’s where it’s really important to have your operations people involved. Right? And, and we all learn by mistakes. So people that have operated assets for a long time, they always have their list of five or 10 things that they want in their o and m agreement. And, um, from a process standpoint, before we get into red lines, we usually do kind of a high [00:07:00] level walkthrough of here’s what we think is important. Um. For the TSA and for the SMA or the operations and maintenance agreement, let’s get on the same page as a team on what’s important, what’s our priority, and what do we want to see as the outcome. Allen Hall: And the weird thing right now is the tariffs in the United States that they are a hundred percent, 200%, then they’re 10%. They are bouncing. Like a pinball or a pong ping pong ball at the moment. How are you writing in adjustments for tariffs right now? Because some of the components may enter the country when there’s a tariff or the park the same park enter a week later and not be under that tariff. How does that even get written into a contract right now? Dan Fesenmeyer: Well, that’s a fluid, it’s a fluid environment with terrorists obviously, and. It seems, and I’ll speak mostly from the two large OEMs in the US market. Um, [00:08:00] basically what you’re seeing is you have a proposal and tariffs, it includes a tariff adder based on tariffs as in as they were in effect in August. And each one may have a different date. And this is fairly recent, right? So as of August, here’s what the dates, you know, here’s a tariff table with the different countries and the amounts. Here’s what it translates into a dollar amount. And it’ll also say, well, what we’re going to do is when, uh, these units ship, or they’re delivered X works, that’s when we come back and say, here’s what the tariffs are now. And that difference is on the developer or the purchaser typically. Allen Hall: So at the end of the day. The OEM is not going to eat all the tariffs. They’re gonna pass that on. It’s just basically a price increase at the end. So the, are the, are the buyers of turbines then [00:09:00] really conscious of where components are coming from to try to minimize those tariffs? Dan Fesenmeyer: That’s Allen Hall: difficult. Dan Fesenmeyer: I mean, I would say that’s the starting point of the negotiation. Um, I’ve seen things go different ways depending on, you know, if an off, if a developer can pass through their tariffs to the, on their PPA. They can handle more. If they can’t, then they may come back and say, you know what, we can only handle this much tariff risk or amount in our, in our PPA. The rest we need to figure out a way to share between the OEM or maybe and the developer. Uh, so let’s not assume, you know, not one, one size doesn’t fit all. Joel Saxum: The scary thing there is it sound, it sounds like you’re, like, as a developer when you’re signing a TSA, you’re almost signing a pro forma invoice. Right. That that could, that could go up 25% depending on the, the mood on, in Capitol Hill that day, which is, it’s a scary thought and I, I would think in my mind, hard to really get to [00:10:00] FID with that hanging over your head. Dan Fesenmeyer: Yeah. It it’s a tough situation right now for sure. Yeah. And, and we haven’t really seen what section 2 32, which is another round of potential tariffs out there, and I think that’s what. At least in the last month or two. People are comfortable with what tariffs are currently, but there’s this risk of section 2 32, uh, and who’s going to take that risk Allen Hall: moving forward? Because the 2 32 risk is, is not set in stone as when it will apply yet or if it even Dan Fesenmeyer: will happen and the amount, right. So three ifs, three big ifs there, Alan. Allen Hall: Yeah. And I, maybe that’s designed on purpose to be that way because it does seem. A little bit of chaos in the system will slow down wind and solar development. That’s one way you do. We just have a, a tariff. It’s sort of a tariff that just hangs out there forever. And you, are there ways to avoid that? Is it just getting the contract in [00:11:00] place ahead of time that you can avoid like the 2 32 thing or is it just luck of the draw right now? It’s always Dan Fesenmeyer: up to the situation and what your project delivery. Is looking at what your PPA, what can go in, what can go out. Um, it’s tough to avoid because the OEMs certainly don’t want to take that risk. And, uh, and I don’t blame them. Uh, and separately you were asking about, well, gee, do you start worrying about where your components are sourced from? Of course you are. However, you’re going to see that in the price and in the tariff table. Uh, typically. I would say from that may impact your, your, uh, sort of which, which OEM or which manufacturer you go with, depending on where their supply chain is. Although frankly, a lot of components come from China. Plain and simple, Allen Hall: right? Dan Fesenmeyer: Same place. If you are [00:12:00] subject to these tariffs, then you want to be more on a, you know, what I would say a fleet wide basis. So, uh, meaning. Blades can come from two places. We don’t want to have, you know, an OEM select place number one because it’s subject to tariff and we have to pay for it. You want it more on a fleet basis, so you’re not, so the OEM’s not necessarily picking and choosing who gets covered or who has to pay for a tariff or not. Joel Saxum: And I wonder that, going back to your first statement there, like if you have the power, the leverage, if you can influence that, right? Like. Immediately. My mind goes to, of course, like one of the big operators that has like 10, 12, 15,000 turbines and deals exclusively with ge. They probably have a lot of, they might have the, the stroke to be able to say, no, we want our components to come from here. We want our blades to come from TPI Mexico, or whatever it may be, because we don’t want to make sure they’re coming from overseas. And, and, and if that happens in, in [00:13:00] the, let’s take like the market as a whole, the macro environment. If you’re not that big player. You kind of get the shaft, like you, you would get the leftovers basically. Dan Fesenmeyer: You could, and that makes for a very interesting discussion when you’re negotiating the contract and, and figuring out something that could work for both. It also gets tricky with, you know, there could be maybe three different gearbox suppliers, right? And some of those. So this is when things really get, you know, peeling back an onion level. It’s difficult and I’ll be nice to the OEMs. It’s very tough for them to say, oh, we’re only a source these gearbox, because they avoid the tariffs. Right? That’s why I get more to this fleet cost basis, which I think is a fair way for both sides to, to handle the the issue. Allen Hall: What’s a turbine backlog right now? If I sign a TSA today, what’s the earliest I would see a turbine? Delivered. Dan Fesenmeyer: You know, I, I really don’t know the answer to that. I would say [00:14:00] generally speaking, it would be 12 months is generally the response you would get. Uh, in terms of if I sign today, we get delivery in 12 months, Allen Hall: anywhere less than two years, I think is a really short turnaround period. Because if you’re going for a, uh, gas turbine, you know, something that GE or Siemens would provide, Mitsubishi would provide. You’re talking about. Five or six years out before we ever see that turbine on site. But wind turbines are a year, maybe two years out. That seems like a no brainer for a lot of operators. Dan Fesenmeyer: I would say a year to two is safe. Um, my experience has been things, things really get serious 12 months out. It’s hard to get something quicker. Um, that suppliers would like to sign something two years in advance, but somewhere in between the 12 months and 24 months is generally what you can expect. Now, I haven’t seen and been close to a lot of recent turbine supply [00:15:00]deals and, and with delivery, so I, I, I can’t quote me on any of this. And obviously different safe harbor, PTC, windows are going to be more and more important. 20 eights preferred over 29. 29 will be preferred over 30. Um, and how quick can you act and how quick can you get in line? Allen Hall: Yeah, it’s gonna make a big difference. There’s gonna be a rush to the end. Wouldn’t you think? There’s must be operators putting in orders just because of the end of the IRA bill to try to get some production tax credits or any tax credits out of it. Dan Fesenmeyer: Absolutely. And you know. June of 2028 is a hell of a lot better than fall of 2028 if you want a COD in 2 28. Right. And then you just work backwards from there. Yeah. And that’s, that’s, we’ve seen that in the past as well, uh, with, with the different PTC cliffs that we’ve [00:16:00] seen. Allen Hall: Let’s talk service agreements for a moment when after you have a TSA signed and. The next thing on the list usually is a service agreement, and there are some OEMs that are really hard pushing their service agreements. 25, 30, 35 years. Joel, I think 35 is the longest one I have seen. That’s a long time. Joel Saxum: Mostly in the Nordics though. We’ve seen like see like, uh, there are Vestas in the Nordic countries. We’ve seen some 35 year ones, but that’s, to me, that’s. That’s crazy. That’s, that’s a marriage. 35 years. The crazy thing is, is some of them are with mo models that we know have issues. Right? That’s the one that’s always crazy to me when I watch and, and so then maybe this is a service, maybe this is a com a question is in a service level agreement, like I, I, I know people that are installing specific turbines that we’ve been staring at for five, six years that we know have problems now. They’ve addressed a lot of the problems and different components, bearings and drive, train and [00:17:00] blades and all these different things. Um, but as an, as an operator, you’d think that you have, okay, I have my turbine supply agreement, so there’s some warranty stuff in there that’s protecting me. There is definitely some serial defect clauses that are protecting me. Now I have a service level agreement or a service agreement that we’re signing that should protect me for from some more things. So I’m reducing my risk a little more. I also have insurance and stuff in built into this whole thing. But when, when you start crossing that gap between. These three, four different types of contracts, how do people ensure that when they get to that service level contract, that’s kind of in my mind, the last level of protection from the OEM. How do they make sure they don’t end up in a, uh, a really weird Swiss cheese moment where something fell through the cracks, serial defects, or something like that? You know? Dan Fesenmeyer: Yeah. It, it comes down to, I, I think it’s good to negotiate both at the same time. Um, it sometimes that’s not practical. It’s good. And [00:18:00] part of it is the, the simple, once your TSA is signed, you, you don’t have that leverage over that seller to negotiate terms in the services agreement, right? Because you’ve already signed a t to supply agreement. Uh, the other piece I think is really important is making sure the defect language, for example, and the warranty language in the TSA. Pretty much gets pulled over into the service agreement, so we don’t have different definitions of what a defect is or a failed part, uh, that’s important from an execution standpoint. My view has always been in the TSA, do as much on a warranty claim as you possibly can at that end of the warranty term. The caps and the coverages. And the warranty is much higher than under the services agreement. Services agreement [00:19:00] will end up, you know, warranty or extended warranty brackets, right? ’cause that’s not what it is. It becomes unscheduled maintenance or unplanned maintenance. So you do have that coverage, but then you’re subject to, potentially subject to CAPS or mews, annual or per event. Um. Maybe the standard of a defect is different. Again, that’s why it’s important to keep defect in the TSAs the same as an SMA, and do your warranty claim first. Get as much fixed under the warranty before you get into that service contract. Joel Saxum: So with Windquest, do you go, do you regularly engage at that as farms are coming up to that warranty period? Do you help people with that process as well? As far as end of warranty claims? Contract review and those things before they get into that next phase, you know, at the end of that two year or three years. Dan Fesenmeyer: Yeah. We try to be soup to nuts, meaning we’re there from the proposal to helping [00:20:00] negotiate and close the supply agreement and the services agreement. Then once you move into the services agreement or into the operation period, we can help out with, uh, filing warranty claims. Right. Do we, do you have a serial defect, for example, or. That, that’s usually a big one. Do you have something that gets to that level to at least start that process with an root cause analysis? Um, that’s, that’s obviously big ones, so we help with warranty claims and then if things aren’t getting fixed on time or if you’re in a service agreement and you’re unhappy, we try to step in and help out with, uh, that process as well. Joel Saxum: In taking on those projects, what is your most common component that you deal with for seald? Defects, Dan Fesenmeyer: gearboxes seem to always be a problem. Um, more recently, blade issues, um, main bearing issues. Uh, those are [00:21:00] some of the bigger ones. And then, yeah, and we can be main bearings. Also. Pitch bearings often an issue as well. Joel Saxum: Yeah, no, nothing surprising there. I think if you, if you listen to the podcast at all, you’ve heard us talk about all of those components. Fairly regularly. We’re not, we’re not to lightening the world on firing new information on that one. Allen Hall: Do a lot of operators and developers miss out on that end of warranty period? It does sound like when we talk to them like they know it’s coming, but they haven’t necessarily prepared to have the data and the information ready to go till they can file anything with the OEM it. It’s like they haven’t, they know it’s approaching, right? It’s just, it’s just like, um, you know, tax day is coming, you know, April 15th, you’re gonna write a check for to somebody, but you’re not gonna start thinking about it until April 14th. And that’s the wrong approach. And are you getting more because things are getting tighter? Are you getting more requests to look at that and to help? Operators and developers engage that part of their agreements. I think it’s an Dan Fesenmeyer: [00:22:00] oppor opportunity area for owner operators. I think in the past, a lot of folks have just thought, oh, well, you know, the, the, the service agreement kicks in and it’ll be covered under unscheduled or unplanned maintenance, which is true. But, uh, again, response time might be slower. You might be subject to caps, or in the very least, an overall contract level. Cap or limitation, let’s say. Uh, so I, I do think it’s an opportunity area. And then similarly, when you’re negotiating these upfront to put in language that, well, I don’t wanna say too much, but you wanna make sure, Hey, if I, if I file a claim during warranty and you don’t fix it, that doesn’t count against, let’s say your unplanned cap or unplanned maintenance. Joel Saxum: That’s a good point. I was actually, Alan, this is, I was surprised the other day. You and I were on a call with someone and they had mentioned that they were coming up on end of warranty and they were just kinda like, eh, [00:23:00] we’ve got a service agreement, so like we’re not gonna do anything about it. And I was like, really? Like that day? Like, yeah, that deadline’s passed, or it’s like too close. It wasn’t even passed. It was like, it’s coming up and a month or two. And they’re like, yeah, it’s too close. We’re not gonna do anything about it. We’ll just kind of deal with it as it comes. And I was thinking, man, that’s a weird way to. To manage a, you know, a wind farm that’s worth 300 million bucks. Dan Fesenmeyer: And then the other thing is sometimes, uh, the dates are based on individual turbine CDs. So your farm may have a December 31 COD, but some of the units may have an October, uh, date. Yeah, we heard a weird one the other day that was Joel Saxum: like the entire wind farm warranty period started when the first turbine in the wind farm was COD. And so there was some turbines that had only been running for a year and a half and they were at the end of warranty already. Someone didn’t do their due diligence on that contract. They should have called Dan Meyer. Dan Fesenmeyer: And thing is, I come back is when you know red lines are full of things that people learned [00:24:00] by something going wrong or by something they missed. And that’s a great example of, oh yeah, we missed that when we signed this contract. Joel Saxum: That’s one of the reasons why Alan and I, a lot, a lot of people we talk to, it’s like consult the SMEs in the space, right? You’re, you may be at tasked with being a do it all person and you may be really good at that, but someone that deals in these contracts every day and has 20 years of experience in it, that’s the person you talk to. Just like you may be able to figure out some things, enlight. Call Allen. The guy’s been doing lightning his whole career as a subject matter expert, or call a, you know, a on our team and the podcast team is the blade expert or like some of the people we have on our network. Like if you’re going to dive into this thing, like just consult, even if it’s a, a small part of a contract, give someone a day to look through your contract real quick just to make sure that you’re not missing anything. ’cause the insights from SMEs are. Priceless. Really. Dan Fesenmeyer: I couldn’t agree more. And that’s kind of how I got the idea of starting Windquest advisors to begin with. [00:25:00] Um, I used to sit across the table with very smart people, but GE would con, you know, we would negotiate a hundred contracts a year. The purchaser made one or two. And again, this isn’t, you know, to beat up the manufacturers, right? They do a good job. They, they really work with their, their customers to. Find solutions that work for both. So this is not a beat up the OEM, uh, from my perspective, but having another set of eyes and experience can help a lot. Allen Hall: I think it’s really important that anybody listening to this podcast understand how much risk they’re taking on and that they do need help, and that’s what Windquest Advisors is all about. And getting ahold of Dan. Dan, how do people get ahold of you? www.win advisors.com. If you need to get it to Dan or reach out to win advisors, check out LinkedIn, go to the website, learn more about it. Give Dan a phone call because I think [00:26:00] you’re missing out probably on millions of dollars of opportunity that probably didn’t even know existed. Uh, so it’s, it’s a good contact and a good resource. And Dan, thank you so much for being on the podcast. We appreciate having you and. We’d like to have you back again. Dan Fesenmeyer: Well, I’d love to come back and talk about, maybe we can talk more about Lightning. That’s a Joel Saxum: couple of episodes. Dan Fesenmeyer: I like watching your podcast. I always find them. Informative and also casual. It’s like you can sit and listen to a discussion and, and pick up a few things, so please continue doing what you’re doing well, thanks Dan. Allen Hall: Thanks Dan.

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sign up for Audible, using our affiliate link! When you sign up for Audible between November 1, 2025 and December 31, 2025 and get a great savings. Your first three months will be $0.99 before resorting to the regular price of $15. In the process you will be helping out our podcast, and the “Terry goat fund.” Quick recap The group began by sharing their recent shopping experiences and personal updates before discussing several unusual news stories, including odd landmarks and an AI-powered teddy bear. They explored various slang words and jargon, shared favorite breakfast cereals, and discussed a recipe for Butterfinger Fudge. The conversation ended with Keith addressing the renewal of his JAWS screen reading software Service Maintenance Agreement and the group sharing humorous anecdotes and jokes, including a call for listeners to share their own funny family stories. Summary Keith, Jill, and Terry discussed their recent shopping experiences, particularly at men’s clothing stores. Keith shared details about purchasing anniversary suits, while Terry mentioned buying multiple suits, shirts, and ties. They also briefly talked about Jill’s daughter visiting from Kansas and Terry’s recent belt adjustment due to weight loss. News of the Week The group discussed several odd news stories, including mysterious ocean bubbles off the California coast caused by fiber optic cable testing, and a 95-year-old Texas bus driver who holds the record for being the world’s oldest bus driver. They also covered the discovery that Chicago’s famous “rat hole” landmark was likely created by a squirrel or muskrat rather than a rat, as determined by researchers who studied the impressions and compared them to local animal measurements. The conversation ended with a brief mention of an AI-powered teddy bear being removed from sale in Singapore after researchers found it could engage in inappropriate sexual conversations. The unusual news stories continue with a woman with the world’s largest afro, and a record-breaking attempt by David Rush balancing bowling balls on a unicycle. Jill's Weird Words Jill has a short list for the group to discuss slang words and jargon, including “jargoon zirconia” and “rumbustious.” They then reviewed a list of words, including “treacle” and “immutable.” Terry's Top 10 List Terry shared his top 10 favorite breakfast cereals, which included Froot Loops, Lucky Charms, and Cinnamon Toast Crunch. The conversation concluded with a brief discussion about adding marshmallows to cereal and a recipe for Butterfinger Fudge. Anchor Topic The topic for our anchor segment is all about computers. Keith discussed the renewal of his JAWS screen reading software Service Maintenance Agreement (SMA), which typically costs $200-225 for 3 years of licensing. He learned that if he doesn’t renew before October 31st, the price will increase to $690 per year for a home license, which he found unacceptable. Keith mentioned that while NVDA is a free alternative, it lacks some of JAWS’ shortcut commands that work with Dragon for dictation. The discussion concluded with Keith planning to call JAWS to understand the change in pricing structure before deciding whether to renew his SMA. Email and Final THOUGHTS Keith shares emails including a story about finding a dead cat and a humorous email about God’s perspective on humanity. The final word from our AI companion. They discussed the importance of communication in relationships and shared light-hearted observations about everyday life. The conversation ended with a call for listeners to share their own funny family stories and information about supporting the show through donations and Audible book affiliate links. Show Notes written by AI, edited as needed by Keith. Sponsored by: Retro Radio Podcast. Bringing you family-friendly entertainment through classic, old-time radio. Episodes are posted daily. Keith and his Retrobots share everything in his collection from the days of vintage radio. Adventure, comedy, detective, westerns, and lots in between. If you don't hear your favorite show, just ask Visit the web page today, https://retro-otr.com

Send us a textGood 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 landscape rich with scientific innovation, regulatory scrutiny, and strategic business decisions shaping the future of healthcare.Let's begin with Novartis, which has achieved a significant milestone by securing FDA approval for Itvisma. This is an intrathecal formulation of its gene therapy Zolgensma, designed to treat older patients with spinal muscular atrophy (SMA). Priced at $2.59 million, this approval is a critical advancement in gene therapy for SMA, broadening the treatment horizon for a wider patient demographic. Gene therapies are increasingly crucial in addressing rare genetic disorders, offering transformative potential in patient care. Novartis's SMA market expansion post-FDA approval of Itvisma not only enhances its SMA portfolio but also signifies growing acceptance towards gene therapies as viable treatment options for genetic disorders. Meanwhile, Novartis is strategically restructuring, planning to cut 550 jobs at a Swiss plant by 2027 while expanding its workforce in North Carolina. This move reflects broader industry trends toward optimizing global operations and investing in regions with strategic manufacturing capabilities.In the sphere of regulatory scrutiny, lawmakers are questioning the FDA's National Priority Voucher Program amid concerns about corruption and expedited reviews. This situation highlights ongoing challenges within regulatory frameworks to balance innovation speed with rigorous safety assessments. An investigation into the FDA's new priority review voucher program has been initiated due to concerns over corruption and expedited review processes potentially compromising drug safety. This inquiry could influence future regulatory frameworks and underscores balancing accelerated drug approvals with rigorous safety standards. Richard Pazdur expressed concerns about expedited drug approval programs' safety and legality as he takes on his new role as director of the FDA's Center for Drug Evaluation and Research. These initiatives aim to accelerate drug reviews but spark debate over patient safety implications—underscoring an ongoing tension between innovation speed and regulatory diligence.Turning to Novo Nordisk, their expansion of the Amycretin program demonstrates a commitment to tackling chronic conditions like diabetes. Following promising Phase 2 data showcasing dual agonist capabilities, Novo Nordisk is advancing pivotal trials focused on obesity. This strategic pivot aligns with market needs and scientific discoveries that could significantly enhance diabetes management options. Further emphasizing Novo Nordisk's commitment to diabetes management, their expansion of the amycretin program after promising Phase 2 results demonstrates the efficacy of a dual agonist originally focused on obesity. This underscores a trend toward multifunctional biologics addressing metabolic disorders by targeting multiple pathways—indicative of broader industry shifts towards integrated therapeutic approaches. Novo Nordisk's recent mid-stage clinical trial results for Amycretin—a weight loss treatment—are noteworthy as they demonstrated sustained efficacy over 36 weeks in type 2 diabetes patients without a plateau in weight loss. Analysts highlight its potential as a superior therapeutic option in the burgeoning weight loss market due to its durable solution for weight management.On a contrasting note, SK Life Science encounters regulatory hurdles as the FDA scrutinizes advertising practices related to its antiseizure medication Xcopri. This scenario underscores the complex interplay between marketing strategies and regulatory compliance within the pharmaceuticSupport the show

Summary del Show: • Los futuros bajan levemente tras el rally tecnológico: $SPX -0.1%, $US100 -0.3% y $INDU plano. El mercado espera ventas minoristas atrasadas, PPI de septiembre y confianza del consumidor, con el foco en márgenes ante aranceles y señales de gasto resiliente. • Meta consideraría gastar miles de millones en TPUs de Google desde 2027 y alquilarlos vía Google Cloud en 2026. La nota presiona a $NVDA y $AMD y apoya a Alphabet $GOOG/$GOOGL, abriendo un frente competitivo directo en chips de IA para data centers. • Novartis $NVS sube en premarket tras la aprobación de la FDA a Itvisma, primera terapia génica intratecal para SMA desde los 2 años con mutación SMN1. Dosis única, sin ajustes por edad/peso, con datos sólidos de eficacia y seguridad en STEER y STRENGTH. • Bed Bath & Beyond $BBBY comprará The Brand House Collective por $26.8M en acciones, cerrará >40 tiendas poco rentables en 2026 y promete ≥$20M en sinergias anuales; Amy Sullivan será la CEO del nuevo Beyond Retail Group tras el cierre (1T26).

Muscular dystrophy (MD) is a group of genetic diseases that affect about 16 to 25 per 100,000 people in the US, with the most common childhood form being Duchenne muscular dystrophy (DMD) and the most common adult form being myotonic dystrophy. The prevalence of DMD is estimated at around 1 in 3,500 live male births. Prenatal carrier screening for this is part of the ACMG Tier 3 expanded carrier panel. This is different from spinal muscular atrophy (SMA). As we recently had a patient who was a MD carrier, with affected male children, who we cared for, we decided to do a quick review of muscular dystrophy: its prevalence, genetics, and evaluation of asymptomatic maternal carriers.1. https://www.mda.org/disease/duchenne-muscular-dystrophy/causes-inheritance2.https://www.nichd.nih.gov/health/topics/musculardys/conditioninfo/causes3. https://www.nhs.uk/conditions/muscular-dystrophy/4. ACMG: https://thednaexchange.com/2022/03/30/acmg-carrier-screening-guideline-the-hypothetical-tier-3-panel/#:~:text=The%20goal%20of%20this%20ACMG,1%20in%2040%2C000%20or%20higher.

Sebuah mobil yang dikendarai dua pelajar SMA terbalik di Jalan KH Sochari, Serang, Banten, setelah pengemudinya panik karena dikejar warga dan kelompok pelajar lain yang menuduh mereka maling dan berbuat mesum.Menurut polisi, mobil terbalik akibat pengemudi melaju kencang dan membanting setir untuk menghindari kendaraan di depannya. Pihak sekolah membantah keras tuduhan mesum dan menyayangkan fitnah yang memicu kecelakaan tersebut.

Existing home sales came in-line with expectations and September jobs bolstered what Kevin Green calls a "goldilocks print." That, paired with a VIX crush following Nvidia's (NVDA) earnings, set the floor for a solid market bounce. However, KG argues the market "still has to prove itself," with one of the biggest tests being an attempt to recapture the SPX's 20-day SMA. He later turns to the USD and Japanese Yen trade which has boomed over the last few sessions. KG also tells investors to keep all eyes on commodities, particularly gold and silver. ======== 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

Matt Maley sees a "change in trend" after the SPX and NDX closed below their 50-day SMA this week for the first time since April. He believes investors are taking froth out of the markets. Matt leans cautious on Nvidia's (NVDA) earnings due to the surge in A.I. spending from hyperscalers. He likes Meta Platforms (META) as a value play after the social media giant sold off post-earnings. Alphabet (GOOGL) is another favorite of Matt's but he suggests investors wait for a pullback before adding it to positions. ======== 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

The S&P 500 (SPX) managed to hold its 200-day SMA, though Charles Schwab's Kevin Horner says the price action ahead will depend on how Nvidia (NVDA) moves after Wednesday's earnings. Turning to another Mag 7 stock in Microsoft (MSFT), he's concerned with a double top that signals an avalanche to $446 if current levels can't hold. On Best Buy (BBY), Kevin talks about the technical bounce the stock can experience with the holiday season. ======== 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

4éme épisode / 5, de la série sur l'amyotrophie spinale infantile.  Episode 4 : Maladie rare – Vivre avec une SMA   Invitée : Mme Leroyer, maman d'une jeune patiente atteinte de SMA, dépistée à la naissance grâce au programme DEPISMA.   1️⃣   Quelles sont les circonstances du dépistage néonatal de l'amyotrophie spinale (SMA) ? [0'22 – 1'01]  ✔️ Accouchement dans une maternité de Nouvelle-Aquitaine, où le programme pilote DEPISMA était en place. ✔️ Dépistage proposé pour l'amyotrophie spinale, accepté immédiatement. Pour plus d'informations, retrouvez notre page article : https://rarealecoute.com/lamyotrophie-spinale-infantile/ 2️⃣   À quel moment la suspicion de SMA est-elle survenue ? [1'02 – 1'46]  ✔️ Anomalie détectée au test de dépistage signalée une semaine après la naissance. ✔️ Suspicion d'amyotrophie spinale annoncée par le neuropédiatre, avec indication de solutions thérapeutiques disponibles. 3️⃣   Comment s'est déroulé le diagnostic ? [1'47-2'25]  ✔️ Confirmation du diagnostic par test génétique réalisé par prise de sang. ✔️ Diagnostic confirmé : amyotrophie spinale de type 2 avec trois copies du gène SMN2. 4️⃣   Quelles démarches ont été entreprises pour s'informer sur la maladie ? [2'26-3'07]  ✔️Recherche d'informations principalement sur Internet, en se référant aux sources fiables conseillées par le neurologue. 5️⃣   Comment s'organise la prise en charge ? [3'08 – 3'47]  ✔️ Évolution « normale ». ✔️ Suivi médical régulier : surveillance initiale hebdomadaire à l'hôpital, puis mensuelle, avec pédiatre et bilans sanguins. 6️⃣   Quel message transmettre aux auditeurs sur l'intérêt du dépistage néonatal de la SMA ? [3'48 – 5'08]  ✔️ Importance du dépistage précoce, qui permet d'agir avant l'apparition de symptômes souvent irréversibles.   L'équipe : Virginie Druenne – Ambassadrice RARE à l'écoute Cyril Cassard – Journaliste/Animation Hervé Guillot - Production Crédits : Sonacom __________________________________________________ RARE à l'écoute est le 1er média d'influence entièrement dédié aux maladies rares : Un podcast pour faire entendre les voix de celles et ceux qui vivent, soignent et accompagnent ces maladies souvent invisibles. Les Revues Horizon pour mettre en lumière les meilleures initiatives des centres experts, pour inspirer et connecter les professionnels de santé. Des Lives engagés, pensés pour les patients, leurs proches et les associations. Un média indépendant, engagé et utile, au service d'un meilleur parcours de soin pour les patients atteints de maladies rares. Toutes nos ressources utiles sont accessibles gratuitement sur : www.rarealecoute.com

Überraschung vor den Nvidia-Zahlen: Die Wall Street stabilisiert sich, der DAX dreht ins Plus und schließt bei 23.230 Punkten, ein Gewinn von 0,2 %. Der ATX TR in Wien steigt auf 11.729 Punkte, +2 %. Rückenwind kommt von Alphabet auf Rekordhoch nach Mrd.-Investment von Berkshire Hathaway, auch wenn viele Anleger Big Tech zuletzt gemieden haben. Die Inflation im Euroraum liegt im Oktober bei 2 % und stützt die Hoffnung auf vorsichtige Notenbanken. Am Aktienmarkt glänzt Daimler Truck mit +3,3 % an der DAX-Spitze. SMA Solar schießt nach einer Hochstufung fast 10 % nach oben. Rüstungswerte wie Rheinmetall, Renk und Hensoldt geben dagegen deutlich nach. International sorgen die Niederlande mit der Rückgabe der Kontrolle über den Autochip-Hersteller Nexperia an den chinesischen Eigentümer für Entspannung in den Lieferketten. Beim Luxuskonzern Kering belastet eine neue Strategie, die Aktie rutscht in Paris spürbar ab. Gold wird als sicherer Hafen gesucht und steigt um 1,1 % auf 4.113 USD je Feinunze.

Kevin Green points to the SPX slip under 6,600 as notable, though it's 6,550 he's watching as the crucial level for the index. With a market that's "not selling everything," KG expects the 200-day SMA to act as strong support for stocks, though a break below can signal steeper selling. He talks about how investors deleveraging in A.I. and crypto play a critical role in price action. KG later turns to a bright spot as a "bullish cross" forms in the utilities sector. ======== 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

Charles Schwab's Nathan Peterson talks about how the A.I. narrative shifted strongly toward negativity as concerns of hyperscalers taking on debt added to concerns of stifled profits. After the SPX bounced off its 50-day SMA multiple times before breaking Monday into Tuesday, Nate makes the case that an A.I. "capitulation" event needs to take place for technicals to see a clean reset.======== 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

In this episode of Money & Meaning, host Jeff Bernier speaks with Kacie Walsh, Vice President at Dimensional Fund Advisors. They explore Dimensional's evolving toolkit of tax-focused investment solutions designed to help clients keep more of what they earn. The conversation spans mutual funds, ETFs, SMAs, exchange funds, and 351 ETFs, explaining how each tool fits into a broader tax management strategy. Kacie also outlines how Dimensional's daily, data-driven approach supports personalized portfolios and long-term efficiency for investors. Topics covered: Kacie Walsh's professional background and current role at Dimensional Fund Advisors Why Dimensional's evidence-based, data-driven approach matters in tax-focused investing Overview of tax loss harvesting and why fund and ETF lineup depth supports it Differences in tax efficiency between ETFs and mutual funds—and how Dimensional narrows the gap Update on Dimensional's ETF share class application and what it means for investors SMA (separately managed account) use cases, especially for high net worth individuals How Dimensional's SMAs differ from traditional direct indexing solutions Behavioral and operational considerations of owning hundreds of individual securities Understanding portfolio lock-up and how to plan for long-term SMA use Exchange funds as tools for diversifying out of concentrated stock positions 351 ETFs as a strategy to consolidate appreciated securities tax efficiently Overview of long/short SMAs and how they attempt to generate more tax alpha How advisors and clients can assess the trade-offs in these advanced strategies Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ Kacie Walsh on LinkedIn: https://www.linkedin.com/in/kacie-walsh-5787a297

In episode 154, host Kevin Schaefer talks with Coach Damon Vincent from Lafayette, Louisiana. Damon is an adaptive fitness specialist who works with clients with various rare diseases and disabilities, including SMA. He talks about his journey as a personal trainer, living with his own rare disease, and building a community with others in his field. Damon's website: https://fitnessforspecialneeds.com/ ================================ To take part in our ongoing discussions regarding SMA, please visit www.smanewstoday.com/forums

Elizabeth Lasswell is a Licensed Skincare Professional and the Founder of Vela Aesthetics & Mercantile, a Holistic Medspa in Charlotte, North Carolina.In the episode, Elizabeth and Haven discuss all things skincare, including what should be in your morning and evening skincare routines, products to use and avoid, why you should be wearing (and reapplying!) SPF every day and her favorite SPF/makeup products. The two also discuss remedies for acne concerns and they cover holistic health factors that affect skin health, including how your nutrition matters just as much as what you put on your skin when it comes to radiant skin. You'll learn so much from Elizabeth in this episode! Give it a listen and share with your friends. Let's Connect!Join the HxH Insiders on Substack!HxH CoachingSupport the show: pledge less than the cost of a cup of coffee each month! Follow Health by Haven on Instagram: @healthbyhaven HxH Recipes, Articles & More: healthbyhaven.com Connect with ElizabethFollow VELA Aesthetics & Mercantile on Instagram: @velacltThank you to our sponsor, Avodah Massage Therapy! Support the show

Chris and Rosie are feeling very delicate, but they soldier on and bring you a hungover edition of SMA! There are itchy palms, a post curry update and some heating beef. The pair discuss the future of Robots, Aesop's Fables and an AI theory.  There are some filthy QTFP's that involve a Sausage Dog, a hairdryer and some old school developed photos! If you have a story for Chris and Rosie email the podcast: Shaggedmarriedannoyed@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Rachel Dashiell with Charles Schwab says the SPX holding its 50-day SMA offers a bullish signal for investors. She offers her technical analysis through the 6-month chart. On her stock picks, Rachel shows how "no trend can run forever" through Oklo Inc.'s (OKLO) explosive price action and how Expedia (EXPE) exhibited bullish traction before its recent rally.======== 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

Using the tools I have, I can find stocks to add to a watch list, back test a strategy for that stock, get alerted to when to enter and exit executing trades and finding stocks to invest in. Here are the links to all the sales: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER - BLACK FRIDAY SALE - UP TO 70% OFF - up to 52 training sessions INCLUDED ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this KE Report Daily Editorial, we're joined by TG Watkins, Director of Stocks at Simpler Trading and Editor of the Profit Pilot, to break down the broad market rebound following the U.S. government shutdown and where traders should look for confirmation of lasting strength. Key Discussion Highlights: Liquidity Rebound: Government reopening releases cash back into markets, fueling “risk-on” buying. Technical Confirmation Needed: TG expects retests of key supports before declaring a true reversal. Chart Setup Tips: Watch the 8 EMA, 21 EMA, and hourly 50 SMA for uptrend confirmation. Metals Cooling Off: Gold, silver, and miners may need time to consolidate after sharp rallies. Crypto Strength: Ethereum, Bitcoin, Solana, and BMNR showing early institutional accumulation. Stocks in Focus: TG highlights A FRM, SKLT, GRAB, Tesla, and Robinhood as setups with potential. Click here to visit TG's site - Profit Pilot - https://www.profit-pilot.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.

Markets continued downside pressure at the end the trading week. Kevin Green points to a compression in consumer sentiment not helping the picture amid a blackout of economic data. He turns to the impacts on the commodity space, from silver and gold, to natural gas. As the VIX passes 20 once again, Kevin notes the SPX tapping its 50-day SMA as a metric investors need to watch into Friday's close.======== 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

Is this the start of a bear market? The signs were absolutely there. What happens if $NVDA can't sell in China? What's wrong with $PSIX? What's a good risk/reward stock? It's all in this episode - a solid fundamental and technical breakdown of stocks and the overall market. Here are the links to all the sales: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER - BLACK FRIDAY SALE - UP TO 70% OFF - up to 52 training sessions INCLUDED ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stocks faced pressure Tuesday morning in an apparent tech-led sell-off. Kevin Green isn't raising the alarm, noting many tech names ran significantly higher and attributes the selling to profit-taking. He points to the SPX futures holding its 20-day SMA and expanding market breadth as other signals of strength. On the earnings front, Kevin explains why Palantir (PLTR) has sold off following stellar earnings. He later talks about Pfizer's (PFE) solid report and attempts to break out into new industries.======== 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

Vispero has officially extended the upgrade deadline for JAWS, ZoomText, and Fusion licences, giving users extra time to transition without losing access. In this episode, Steven Scott and Shaun Preece sit down with Matthew Horspool to clear up the confusion around JAWS pricing, SMAs, and subscriptions, and what home and professional users need to know.If you've been puzzled by the recent Vispero licensing changes, this episode breaks it all down. Steven and Shaun revisit the ongoing debate about perpetual licences vs. subscriptions, why some users face high upgrade costs, and how the new deadlines impact both home and professional licences for JAWS, ZoomText, and Fusion. Matthew Horspool, assistive tech expert and certified JAWS trainer, provides detailed insight on: How perpetual licences still work in 2025 Why updating your SMA can be more cost-effective than waiting The difference between home annual licences and traditional home licences What new users and those losing sight today need to consider How access to work, DSA, and funding affect your options The hosts also discuss NVDA as a free alternative, frustrations with confusing pricing, and how clearer communication could help home users stay engaged with JAWS.Relevant LinksVispero: https://www.freedomscientific.comSight and Sound Technology: https://www.sightandsound.co.ukDouble Tap Feedback: feedback@doubletaponair.com Find Double Tap online: YouTube, Double Tap Website---Follow on:YouTube: https://www.doubletaponair.com/youtubeX (formerly Twitter): https://www.doubletaponair.com/xInstagram: https://www.doubletaponair.com/instagramTikTok: https://www.doubletaponair.com/tiktokThreads: https://www.doubletaponair.com/threadsFacebook: https://www.doubletaponair.com/facebookLinkedIn: https://www.doubletaponair.com/linkedin Subscribe to the Podcast:Apple: https://www.doubletaponair.com/appleSpotify: https://www.doubletaponair.com/spotifyRSS: https://www.doubletaponair.com/podcastiHeadRadio: https://www.doubletaponair.com/iheart About Double TapHosted by the insightful duo, Steven Scott and Shaun Preece, Double Tap is a treasure trove of information for anyone who's blind or partially sighted and has a passion for tech. Steven and Shaun not only demystify tech, but they also regularly feature interviews and welcome guests from the community, fostering an interactive and engaging environment. Tune in every day of the week, and you'll discover how technology can seamlessly integrate into your life, enhancing daily tasks and experiences, even if your sight is limited. "Double Tap" is a registered trademark of Double Tap Productions Inc. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Charles Schwab's Kevin Horner takes a closer look into the SPX tapping record highs, urging investors to "moderate" the trend higher after the index bounced off the 50-day SMA. As for stocks Kevin's watching, he points out Broadcom (AVGO) testing another breakout and PepsiCo's (PEP) potential to reach key resistance after recent trading activity fizzled.======== 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

We're on-site at the Abilities Expo in Schaumburg meeting Samantha, a freshly graduated 18-year-old heading to UIC who speaks with clarity about independence, dignity, and the everyday design of an accessible life. This isn't inspiration theater. It's practical courage: how to choose a major, compare campuses, and advocate for accommodations while keeping joy and curiosity in the driver's seat.Samantha walks us through life with a rare distal SMA, explaining her mobility in simple, honest terms and the mindset shifts that help her move from can't to how. She opens up about navigating high school among mostly able-bodied peers, finding friends who lead with respect, and attending MDA camp where perspective deepened into gratitude. We talk candidly about ramps and elevators, yes, but also about the less visible layers of access: seating layouts, syllabus flexibility, communication with professors, and the social cues that make classrooms feel human. Her plan to start at UIC and possibly transfer to UIUC illuminates the real calculus many students with disabilities face—community versus proximity, services versus cost, growth versus comfort.Family runs through this conversation like steel cable. A sister who turns visibility into pride, a mom who scouts tools and options, and a veteran dad whose philosophy is simple and strong: you can do hard things, differently.Samantha's message is one to carry: you're not alone, it might be harder, and you are more than what meets the eye.Press play for a grounded, hopeful take on college accessibility, disability advocacy, and resilience you can use. If this resonated, follow the show, leave a review, and share it with someone who needs proof that independence has many paths—and all of them start with your voice.

We discuss the transformative developments in the fixed income market with Blake Lynch from IMTC. Advancements in cloud computing and automation are streamlining the traditionally manual processes associated with fixed income investments, allowing for customized portfolios at scale. This has made SMA wrappers (Separately Managed Accounts) a lot more accessible, enabling greater transparency, direct ownership, and potential tax efficiency for the bond portfolios of an increasingly large number of investors.An “Aha moment” for George Aliferis (host):I've been involved in ETFs since the launch of Deutsche Bank's X-Trackers in 2007, and I've always believed they were an ideal wrapper for equity markets. Today they dominate. While the earlier ETFs were equity, there have been considerable developments in fixed income ETFs as well (now totalling $2 trillion in assets), but it's not straightforward. Indexing fixed income is problematic. And there's the fact that you can own a fund of AAA bonds, but still lose your capital due to the mark-to-market. This conversation has made me realize the adequacy of the SMA wrapper for bonds and its huge potential.About Blake Lynch, CETF®:Head Of Sales at IMTCMy mission is to address the industry's failure to innovate and enhance technology in the fixed income space, which has resulted in fixed income professionals being neglected and subjected to inadequate and inefficient tools. I am passionate about simplifying and optimizing bond portfolio management with innovative and user-friendly software that enables meaningful automation and optimization, or as we like to call it, decision support. This allows fixed income professionals to focus on key business activities and client goals, rather than wasting time on manual and error-prone tasks. I have a proven track record of expanding the market share and reach of IMTC's SaaS technology, leveraging my skills in new business development, sales enablement, strategic beta, and over 10 years of experience in the financial services space.Connect with Blake Lynch, CETF®:* LinkedIn: https://www.linkedin.com/in/blakejlynch/* Website: https://imtc.com/About the Show:Investology is a podcast hosted by George Aliferis, CAIA, dedicated to rethinking investment management and uncovering new ways to deliver better outcomes for investors.Listen on every podcast platform, or on YouTube.Resources Mentioned:Episode with Russell Feldman (CEO of IMTC)Episode with MJ Lytle (then-CEO of Tabula)Timestamps & Topics:00:00 Introducing a pivotal moment in fixed income02:27 Understanding Separately Managed Accounts (SMAs)04:48 The technological revolution in bond portfolio management07:56 Benefits of SMAs10:07 How IMTC works28:33 The outlook for fixed income technologyMy Investing & Investment Management channels* Investorama - Separating Investment Facts from Financial Fiction (YouTube)* Investology - Re-Think Investment Management (YouTube)* Investology in Audio versionFor B2B Brands, Marketers & PodcastersOrama (my business): helps brands grow with podcasts & videos - DM if you need help with a brand podcast or videosNewsletter about B2B marketing and podcasting: on Substack This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit investorama.substack.com

It's officially fall, and that means we're deep into the MLB playoffs, and the NHL, NFL and NBA seasons are in full swing. With it being such an exciting time for professional sports, we thought it'd be an opportune moment to revisit an episode we recorded in April, where Doug Perlman, CEO of Sports Media Advisors, demystifies the complex process of negotiating league media rights. We hope you enjoy this fascinating look into the evolution of sports media licensing in a post-cable world.  Summary: Major sporting events used to be clustered among a handful of TV channels. Now following your favourite team might require subscriptions to a whole litany of cable and streaming services. Which is to say nothing of all the licensed content you'll find spread out across social media platforms. In such a complex media ecosystem, how do organizations even begin to think about licensing their media assets? And how do they calculate their worth?Doug Perlman is the founder and CEO of Sports Media Advisors. SMA advises sports properties on their media strategies and rights negotiations. Doug has negotiated tens of billions of dollars in rights fees for some of the largest sports properties in the world, including the NFL, NASCAR, US Soccer, and the Ryder Cup, among others. Doug joins us today to discuss recent trends like the rise of streaming, the popularization of sports betting, and the emergence of AI, and all the unique challenges and opportunities they present for different leagues and organizations.Highlights:Doug's early career (3:00)Working for the NHL (4:40)Founding SMA (7:53)SMA's services (9:31)Negotiating rights deals (13:55)Cord-cutting (17:16)Impact of sports betting (18:35)Women's sports (19:37)AI in sports (20:58)Advice for young people trying to work in sports (26:12)Links:Doug Perlman LinkedInSMA LinkedInSMA WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.

Kevin Green offers his technical analysis on some of the biggest macro movers happening in the market. He speaks on the surge in mortgage refinancing and the mixed picture it offers for the overall housing market. He explains the "technical bounce" happening in crude oil as India seeks to pull back on some of its Russian oil purchases. Kevin later highlights the potential rebound in gold and silver after their significant sell-offs and the key role the 20-day SMA plays.======== 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

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.The market just flashed a massive buy signal on Apple and the QQQ, and this episode breaks down exactly how that changes everything. Apple's surge just pushed the Dow up more than 500 points, igniting momentum across tech stocks — and yes, a brand-new Plan ETF trade is going live right here. Watch as we analyze the setup, execute the move, and explain how traders using OVTLYR systems are positioning for the next big breakout.This is where rules meet reality. You'll see the full Plan ETF checklist in action, including how to evaluate trend strength using the 10 EMA, 20 EMA, and 50 SMA, confirm setups with the Fear & Greed Heatmap, and identify when it's time to shift between Plan A, Plan M, Plan ETF, or Sit-in-Cash-and-Don't-F-Up. The focus? Reducing risk, increasing precision, and trading only when the data confirms it's time to strike.Key insights in this episode:✅ Apple's new buy signal and what it means for tech momentum✅ How to spot when QQQ triggers a confirmed uptrend✅ The secret to using EMA structure for clean entries and exits✅ Why market breadth and heatmap signals matter more than opinions✅ How Plan ETF gives traders a low-risk way to stay in the game✅ When to move from cash to action — and why discipline beats prediction✅ Real-time examples with Apple, Tesla, Netflix, Intel, and Amazon✅ Why “follow your plan” is the single most profitable trading ruleYou'll also see how trading psychology plays into every setup. The discussion gets real about expectations — why traders fail when they predict instead of react — and how billion-dollar fund managers like Larry Hite use data-driven signals to stay emotion-free. Expect deep dives into how risk management, position sizing, and exit signals create the foundation for consistent gains over time.As the live trade unfolds, the episode walks through using OVTLYR's Value Zone indicator to confirm price positioning within 2 ATR of the 20 EMA, checking for order blocks, and ensuring that every condition matches the playbook before entry. When those signals align, it's not just an opportunity — it's an obligation to act.Later, we break down earnings setups in Tesla, Intel, Netflix, and Amazon, explaining why these stocks often move violently around reports and how professional traders avoid gambling on news. Instead, they wait for confirmation and let the market show its hand.This episode is a masterclass in systematic trading, showing how to build conviction from structure instead of emotion. Whether you trade full-time or part-time, this walkthrough will sharpen how you identify buy signals, manage exits, and grow your account with confidence.If you want to save time, make money, and start winning with less risk, this is the one to watch. Learn how modern traders are using OVTLYR to stay ahead of every move the market makes.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Épisode 1380 : En 2025, le Social Media Advertising (SMA) entre dans une nouvelle ère dominée par l'automatisation et l'intelligence artificielle.Après des années de geekerie et d'optimisation continue des modes de ciblage, place à l'IA et au ciblage broad. Pour faire simple, ce n'est plus le ciblage qui compte mais le contenu des ads. On décrypte ensemble ce nouveau paradigme.—Ciblage broad : la logique algorithmiqueEn quelques mois, le ciblage broad (ou large) s'est imposé comme la norme sur Meta Ads et plus globalement les plateformes sociales. L'idée est de laisser l'algorithme explorer librement les audiences. En gros je ne lui dis rien et il va automatiquement trouver quelle est l'audience la plus adaptée et réceptive à votre publicité.Concrètement comme ça marche ? L'algorithme choisit lui-même les personnes à qui montrer tes publicités, sans que tu définisses précisément leurs centres d'intérêt, leur âge, ou d'autres critères très spécifiques.Attention, il ne “devine” pas : il s'appuie sur une énorme quantité de données comportementales et contextuelles.—En broad, le ciblage prend en compte le comportement des utilisateursCe que les gens font sur la plateforme : clics, likes, commentaires, partages, visionnages de vidéos, réactions à d'autres pubs.Ce qu'ils font hors de la plateforme, si le Pixel Meta ou l'API Conversions est installé sur ton site (par exemple, ajouter un produit au panier, visiter une page, acheter un article).Leurs habitudes d'achat en ligne, si elles sont traçables (ex. : utilisateurs qui achètent souvent sur Instagram).—En broad, le machine learning permet de développer la taille des audiences cibles Meta analyse les résultats de tes publicités en temps réel.Dès qu'il voit que certains types de personnes répondent mieux à ton annonce (par exemple, elles achètent ou cliquent plus souvent), il va automatiquement montrer la pub à d'autres profils similaires.Création ciblée : bienvenu dans l'ère du ciblage créatifFace à la disparition du micro-ciblage manuel, la création devient le nouveau levier de segmentation. Dans le passé, tu devais définir à qui tu voulais parler (âge, sexe, intérêts, etc.), puis créer une publicité adaptée à cette audience. Aujourd'hui, avec les progrès de l'algorithme de Meta, la logique s'est inversée :Ce n'est plus l'audience qui détermine la publicité, mais la publicité qui détermine l'audience.—Les nouvelles règles du SMA en 2025Automatisation totale du ciblage : l'IA construit les audiences (Advantage+ audiences, Lookalikes dynamiques).Création comme facteur de ciblage : les visuels, formats et messages remplacent les filtres d'audience.Scaling intelligent : le ciblage large + IA assure les meilleures performances dès que les données sont suffisantes.En synthèse, le SMA 2025 repose sur un nouveau couple gagnant : broad targeting piloté par l'IA et création ciblée pensée pour orienter l'algorithme. Les campagnes les plus efficaces ne découlent plus d'un paramétrage précis, mais d'une collaboration intelligente entre créativité humaine et machine.. . . Le Super Daily est le podcast quotidien sur les réseaux sociaux. Il est fabriqué avec une pluie d'amour par les équipes de Supernatifs. Nous sommes une agence social media basée à Lyon : https://supernatifs.com. Ensemble, nous aidons les entreprises à créer des relations durables et rentables avec leurs audiences. Ensemble, nous inventons, produisons et diffusons des contenus qui engagent vos collaborateurs, vos prospects et vos consommateurs. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

In this heartfelt episode of It Happened To Me, hosts Cathy Gildenhorn and Beth Glassman sit down with Nikki McIntosh, a rare disease advocate, writer, and mother whose life changed when her son Miles was diagnosed with Spinal Muscular Atrophy (SMA). Nikki McIntosh is the founder of Rare Mamas®, a resource, and community dedicated to supporting and empowering mothers of children with rare diseases. She is the author of Rare Mamas: Empowering Strategies for Navigating Your Child's Rare Disease and host of the Rare Mamas Rising podcast. Her mission stems from the profound need she felt after her son was diagnosed with a rare disease, fueling her with a passion and purpose to offer a lifeline of hope and connection to other rare moms. Nikki is a sought-after speaker and a trusted voice in the rare disease space. From national conferences and patient advocacy group gatherings to biotech industry meetings and media interviews, Nikki passionately advocates for the rare disease community. She lives in Southern California with her husband, Tony, and their sons, Mason and Miles. In 2013, at just eighteen months old, Nikki's youngest son, Miles, was diagnosed with spinal muscular atrophy (SMA)—a rare, degenerative neuromuscular disease. Told there was no treatment, no cure, and that regression was inevitable, Nikki refused to accept a future that offered only decline. She walked away from her career and poured herself into caregiving, advocacy, and an unrelenting search for answers. That search led her and her husband to a clinical trial for a drug that showed promise. Miles was enrolled. The treatment was effective. That drug—now known as Spinraza—went on to become the first-ever FDA-approved treatment for SMA. From that breakthrough moment, Nikki immersed herself in the world of rare disease advocacy. She began writing down everything she wished she had known at the beginning of their journey. With a deep desire to empower other rare moms, she wrote the book Rare Mamas: Empowering Strategies for Navigating Your Child's Rare Disease. Nikki continues to walk this road alongside her son, and alongside the millions of mothers who are parenting children with rare diseases. She has a deep passion for providing strategies, strength, support, and sisterhood to her fellow rare moms. In This Episode, You'll Learn: What Spinal Muscular Atrophy (SMA) is and how it affects children and families Nikki's emotional journey from diagnosis to advocacy How her son's participation in a clinical trial offered hope and insight The inspiration behind Rare Mamas and its empowering message Strategies for parents navigating rare disease diagnoses and complex healthcare systems The importance of building community and finding your voice as a caregiver How to balance hope for new treatments with the daily realities of care Resources:  Nikki's website that houses all her projects, RareMamas.com  Buy Nikki's book: Rare Mamas: Empowering Strategies for Navigating Your Child's Rare Listen to Nikki's podcast: Rare Mamas Rising Learn more about SMA via MedlinePlus Patient Empowerment Program, another podcast in our science podcast network Gene Pool Media, is hosted by one of the pharmacists that helped develop Spinraza, the first FDA approved treatment for SMA. Miles was part of the clinical trial.  Stay tuned for the next new episode of “It Happened To Me”! In the meantime, you can listen to our previous episodes on Apple Podcasts, Spotify, streaming on the website, or any other podcast player by searching, “It Happened To Me”.    “It Happened To Me” is created and hosted by Cathy Gildenhorn and Beth Glassman. DNA Today's Kira Dineen is our executive producer and marketing lead. Amanda Andreoli is our associate producer. Ashlyn Enokian is our graphic designer.   See what else we are up to on Twitter, Instagram, Facebook, YouTube and our website, ItHappenedToMePod.com. Questions/inquiries can be sent to ItHappenedToMePod@gmail.com.

Five years ago, we first spoke with Nikki McIntosh. In this episode, Nikki returns to share her journey as a mother of a child with spinal muscular atrophy (SMA) and the profound impact of clinical trials on her son's life. Miles is growing up and has started playing wheelchair tennis. Nikki shares the joy this brings to her. Nikki also discusses the emotional roller coaster of navigating rare diseases, the importance of community support, and her new book, 'Rare Mamas: Empowering Strategies for Navigating Your Child's Rare Disease.' The conversation and the book highlight resilience, advocacy, and the need for actionable strategies for parents facing similar challenges.https://raremamas.com

From a massive SIM farm takedown to dealing with supply chain attacks targeting npm, our news roundup provides context and commentary on a fresh crop of security news. We discuss exploits against Cisco firewalls and switches, a SonicWall firmware update to remove a rootkit targeting its SMA 100, and GitHub’s plans to harden npm packages.... Read more »

From a massive SIM farm takedown to dealing with supply chain attacks targeting npm, our news roundup provides context and commentary on a fresh crop of security news. We discuss exploits against Cisco firewalls and switches, a SonicWall firmware update to remove a rootkit targeting its SMA 100, and GitHub’s plans to harden npm packages.... Read more »

Kevin Horner with Charles Schwab highlights a scenario where the SPX can retreat to 6,500 if technicals can't hold the line. CoreWeave (CRWV) tested the 20-day SMA and bounced off the metric, though Kevin warns a slip below that can make short-term trading "dicey." He later points out Reddit's (RDDT) shooting star pattern that led to mass selling action, adding that it can slide another 20% from current levels if it fails a bear flag test.======== 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

A lively, unscripted listener Q&A episode with no set topic — just a flood of great questions. Don and Tom tackle everything from inheriting farmland to the hidden cost of medical inflation, tax-efficient short-term investments, Ameriprise conflicts of interest, fund turnover ratios, and a heartfelt tribute to the late Jonathan Clements, a true pioneer of rational investing journalism. Plenty of wit, warmth, and straight talk about money — plus a personal moment of honesty from Tom about life, loss, and gratitude. 0:04 Cold open: “A show with no topics” banter and weather humor 2:07 Angie from St. Paul: Inheriting farmland — hold or sell? 6:04 Anton from Spokane: Medflation's impact on Social Security COLA and Medicare premiums 10:45 Jason from Tigard: SPAXX vs. SGOV — which is better for short-term cash? 13:35 Ameriprise client: Should I use an SMA or fire my advisor? 18:41 Luke from Evans, GA: ETF turnover and what it really means 23:25 Tribute to Jonathan Clements — his life, legacy, and impact on index investing 27:10 Personal reflections, audience appreciation, and gratitude from Tom Learn more about your ad choices. Visit megaphone.fm/adchoices

Charles Schwab's Kevin Horner says the SPX's 20-day SMA can "very well" provide continued support for the index with "few and far between" breaks since April lows. In stock movers, Kevin points out a support range in Celsius (CELH) by widening the view in an 18-month chart. He later talks about the "intriguing" move in Lyft Inc. (LYFT) that opened the door for bulls.======== 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

Don and Tom tackle the “big three” global equity ETFs—Vanguard VT, Dimensional DFAW, and Avantis AVGE—breaking down their diversification, costs, risk/return assumptions, style tilts (small/value vs large/growth), and geographic/sector weights. They highlight how DFA and Avantis add microcaps and factor tilts that Vanguard's index omits, why fees are “pennies” but differences in construction matter, and why “rules-based” is more accurate than “active.” Listener questions cover lottery winnings (lump sum vs annuity), the collapse of Publishers Clearinghouse payouts, and Ameriprise's pricey SMA accounts. The theme: investing lives in the middle ground—balancing risk, cost, and logic. 0:04 Middle-dweller banter and show open 0:54 Why ETFs replaced mutual funds as the easy route 1:23 The “big three” global ETFs: VT, AVGE, DFAW 2:34 Which is “better”? Spoiler: none—or all 2:56 Diversification: DFAW 13,700 stocks vs VT's 10,000 4:00 Expense ratios: Vanguard's cost advantage 4:32 Risk/return projections and why they're guesses 6:22 Microcaps explain much of the differences 7:55 Why small/value stocks historically outperform 8:55 Style box breakdown: small vs large allocations 9:45 U.S. vs international exposure: “pandering portfolios” 10:57 Tech vs financials: sector allocations diverge 12:09 Recent performance snapshots, short vs long term 13:34 Index (VT), Factor (DFAW), Rules-based tilt (AVGE) 15:25 Long-term results: Avantis beats Vanguard despite higher fee 16:15 Risk/return symmetry: you could make a lot, lose a lot 16:45 Listener Q&A: $2B Powerball jackpot—lump sum or annuity? 18:01 Publishers Clearinghouse collapse leaves winners unpaid 21:07 Listener Q&A: Ameriprise SMA fees and pitfalls 23:48 Why Ameriprise's “nice” advisors are still costly Learn more about your ad choices. Visit megaphone.fm/adchoices

Pressure on markets has pushed the SPX closer to its 20-day SMA, which Kevin Green considers a critical level to hold bullish momentum. He also points to 100% tariffs on some imported drugs and, 25% tariffs on trucks, and 30% tariffs on furniture adding pressure for many stocks. There is progress on TikTok, however, as Kevin highlights the Trump-approved deal that links Oracle (ORCL) to the social media giant among other companies.======== 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

In episode 153, host Kevin Schaefer talks with Annie Heathcote from Mazomanie, Wisconsin. Annie is a multi-business owner, social media influencer, author, and lifelong disability advocate whose life and work embody the belief that disability doesn't mean inability. Diagnosed with Spinal Muscular Atrophy (SMA) at just 13 months and in a wheelchair by age 2, she has dedicated her life to breaking barriers, championing accessibility, and inspiring others with her message of resilience and faith. Visit our website at www.smanewstoday.com Follow us: IG: instagram.com/smanewstoday Facebook: facebook.com/SMAnewstoday X: x.com/smanewstoday To take part in our ongoing discussions regarding SMA, please visit www.smanewstoday.com/forums

Standards set the foundation for any professional organization. The baseline for professionalism in the US Army is Army Regulation 670-1; Wear and Appearance of Army Uniforms and Insignia. This regulation dictates the standard for every Soldier, regardless of rank or position. AR 670-1 has long been a hot topic of discussion among Soldiers and leaders at every level; and too often left open to interpretation. Until now…At the direction of senior Army leadership, Army Directive 670-1 has been released to clarify these standards and provide shared understanding between Soldiers and leaders to know what ‘right' looks like.To explain the changes and how they will affect every member of the Army, Fran Racioppi sat down with Sergeant Major of the Army Mike Weimer, SGM Laurin Nabors and SGM Alex Kupratty. The SMA shares the “why” behind personal grooming standards and the importance of doing the little things that develop a culture of commitment from compliance. SGM Kupratty breaks down the definition of professional soldier from the experienced warriors of 75th Ranger Regiment to the new Privates of 4th Infantry Division. SGM Nabors provides the details on what's changing, when and how the new standards are expected to be enforced. She also shares her journey from an Army Reserve heavy equipment operator to the halls of the Pentagon. This episode is about redefining what it means to serve in the greatest fighting force the world has ever seen and why development of a war fighting culture starts with how a Soldier presents themself each and every day.Highlights0:00 Welcome to the Jedburgh Podcast3:26 Army Directive vs Regulation in 670-15:30 Why Now8:49 Closing Gaps12:55 Changes to 670-121:08 Why Standards Matter28:25 Analyzing Data29:42 Beards34:30 Preparing soldiers38:10 Active Guard Reserve44:30 Joining the Ranger Battalion49:42 The Grace Period50:33 Daily HabitsQuotes“Part of the problem is our process is too slow.”“The first thing I had to figure out is are they educated?”“Do they understand the standards as they are written?”“Once you are emplaced in a leadership position, that's where the commitment piece has to be rock solid.”"If you can't do the simple things I'm asking you to do, how are you going to do the hard things in combat?”“We had to come in and really define “What is military appearance?”“It's a direct reflection of your willingness to be compliant to a standard in your leaders.”“The why reinforces one uniformity.”“We're part of something bigger than all of us."“Really understanding the generational differences that exist is arguably the most challenging thing that I found as a senior leader in the Army.”“I don't think anybody knows what large scale combat will look like.”“The camaraderie that exists in that formation is unlike anything I've seen before.”“Leadership's not about 'What did I do here today?' It's 'What did I do for everyone else here to be successful?'"“You're only as good as the time you put in.”The Jedburgh Podcast is brought to you by University of Health & Performance, providing our Veterans world-class education and training as fitness and nutrition entrepreneurs.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.

Broadly speaking, there are to archetypical non-dual traditions, two very valid paths to bliss: The Non-Duality of Total Negation (Classical Advaita) & Kālī's Non-Duality of Total Acceptance (i.e Tāntrik Non-Duality or paramadvāya). Of course there are infinite shades of nuance and variation in between these two extremes. In this talk, we do a comparison of these two extreme models (or rather, flavor)s of non-dual Sādhanā, playing off of some ideas from last week's “Who Should Worship Kālī? | Dakṣiṇa Kālī vs Smaśāna Kālī” talk! This lecture is mostly a theoretical survey of the absolute state of realization which can anyone anywhere can attained through grace (i.e, sudden spontaneous insight) of course, but which is more likely to be a result of sincere spiritual practice! As for the practical side of this discussion, you might like to pair this talk with the What Do You Need To Start Worshipping Kālī & Practicing Tantra? lecture from two weeks ago! PS: you might find this lecture somewhat reminiscent of Who Created The World? | Vedanta vs Tantra and also Who or What is God? | Vedanta vs Tantra but we've certainly developed the ideas quite a bit since then! Support the showLectures happen live every Monday at 7pm PST and Friday 10am PST and again Friday at 6pm PST.Use this link and I will see you there:https://www.zoom.us/j/7028380815For more videos, guided meditations and instruction and for access to our lecture library, visit me at:https://www.patreon.com/yogawithnishTo get in on the discussion and access various spiritual materials, join our Discord here: https://discord.gg/U8zKP8yMrM

In the Who Should Worship Kālī? | Dakṣiṇa Kālī vs Smaśāna Kālī talk, we explained the technical term "jagadānanda" which describes the bliss of fullness. We argued that from the Kaula point of view, the goal is not transcendence but fullness; not freedom "from" the world but freedom "as" the world. And we pointed out how Kālī sādhanā is uniquely about embracing this non-dual totality of all things! The Absolute Reality is dynamic, ever-free Consciousness, my very own Self and the goal is to realize this in all things, as all things. Necessarily, this involves coming to terms with realities that the dualistic, conditioned and limited mind often rejects. "Who dares misery love: to him the Mother comes" etc. Then, in Kālī's Non-Duality of Radical Acceptance | vs. Classical Non-Duality we went in with some finer brush strokes to compare the view of Classical Advaita, which we termed the "path of absolute negation" with that of Tāntrik Advaita, or the Non-Duality of Kālĩ which we described as the "path of absolute acceptance". Both can lead to non-dual realization and yet who can deny that these might be different flavors of non-dual realization! The former path is fit for some while the latter suits the disposition of others and for many, the two paths are practiced sequentially, one after another. All this we discussed in last week's talk. Now, this week, we take up this topic yet again but using the Sāmkhyan idea of the gunas to show how Kālī sādhana (i.e Tāntrik non-duality) is unique and therefore for some people, uniquely disturbing. I make a case against transcendentalists, "sattva-only" oriented traditions! Originally, I had intended this lecture to be about staying safe and grounded in Kālī sādhanā or something along the lines of a PSA on kundalini emergencies/spiritual crisis but I spent so much time describing how Kālī sādhanā uniquely leads to destabilization that I never really got around to talking about techniques for grounding! We briefly mention a few towards the end but I suspect I'll want to develop these theme on safety more next week: stay tuned! Support the showLectures happen live every Monday at 7pm PST and Friday 10am PST and again Friday at 6pm PST.Use this link and I will see you there:https://www.zoom.us/j/7028380815For more videos, guided meditations and instruction and for access to our lecture library, visit me at:https://www.patreon.com/yogawithnishTo get in on the discussion and access various spiritual materials, join our Discord here: https://discord.gg/U8zKP8yMrM

It's the last Bumper Summer Best of 2025 an we have saved some of the most weird and wonderful QFTP's for all you Smas and Das! Throwback to The Twits, The Depositor and that time a bird shat in Rosie's mouth! We hope you've all had a great summer. Keep an eye on the SMA feed for more exciting additional content coming your way very soon! Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's early 2020… The SMA tour has been announced, and the Ramsey's are also writing the Shagged Married Annoyed Book! This Best of includes Becky Beef (a long distant relative) and news from friend of the podcast Jess the Paramedic! As well as this, Rosie reveals her Bingo calling past and Chris gets called out for mansplaining on song lyrics. There's some hanky panky involving a friends aunt, inappropriate foot rubbing and some burglar role play! Enjoy. Learn more about your ad choices. Visit podcastchoices.com/adchoices