Podcasts about Smart

Click here to watch on YouTubeMost people start worrying about taxes in April. Smart people start planning months earlier. In this episode of The Brian Buffini Show, Brian shares why mid-year is one of the best times to review your tax strategy, update your withholdings, organize your finances, and make smarter decisions before the year gets away from you. From W-2 employees to business owners and side hustlers, Brian explains why proactive planning can help families keep more of what they earn, avoid unnecessary stress, and build greater financial freedom. YOU WILL LEARN:• Why tax planning should start long before April.• How mid-year adjustments can improve cash flow and reduce stress.• Why great processes, great people and great feedback help you grow multiple businesses well.NOTEWORTHY QUOTES FROM THIS EPISODE:“America is awesome.” – Brian Buffini“Fireworks last for one night, but tax strategies can impact all your future generations.” – Brian Buffini“The biggest tax mistake isn't what you do in April, it's waiting until April to think about it.” – Brian Buffini“Most Americans don't have an income problem, they have a planning problem.” – Brian Buffini“When your life changes, your finances change and your tax picture changes.” – Brian Buffini“Would you rather get a giant refund next spring or have more cash flow and breathing room every single month now?” – Brian Buffini“Wealthy people plan their taxes well before the year ends.” – Brian Buffini“Learn to ask the dumb question.” – Brian Buffini“If your professional cannot explain it so that your seventh grader can understand it, they don't understand the material.” – Brian Buffini“Nobody takes care of your money like you will.” – Brian BuffiniThe Brian Buffini ShowThis episode is for educational purposes only and is not tax, legal, or financial advice. Please consult a qualified tax professional for guidance specific to your situation. Hosted on Acast. See acast.com/privacy for more information.

Rachel Explains How to Win Big Brother Host Taran Armstrong welcomes winner Rachel for a “How to Win Big Brother” strategy conversation, where they unpack what it takes to navigate new school Big Brother just as BB28 looms. In this winner-focused episode, Rachel shares her hard-won advice from BB13 and her recent run, comparing how the BB26 house operates now with its chaotic HOH reigns, ever-changing Veto stakes, and game-flipping arenas. Taran and Rachel discuss how “creating your own luck” is a must, as social maneuvering often trumps brute comp wins in this era. They break down why nobody can coast, how returnees are both targets and assets, and why masterminds must adapt their play for every season. Rachel's tips also include jury management, reading shifting house moods, and why even bold personalities need to build real bonds before making big moves. Expect strategy stories, mistakes to avoid, and honest talk about the pressure to win the vote in the end. Rachel insists “you have to make everyone like you”—social connections are the best shield from random twists. In BB26, even the tightest allies can find themselves nominated, so players must be both prepared for anything and quick to form new alliances. Taran spotlights that returnees need to reinvent their games; copying old strategies rarely works the same way twice. Smart players use questions and genuine curiosity to form deep connections, setting up “jury votes” long before the finale. Emotional control matters: Rachel and Taran share lessons on when to bite your tongue in the house and only vent to the Diary Room. With power shifts looming and BB28 casting soon, the BB26 lessons are clear—adapt or get left behind. Will new school players play socially strong enough to withstand the next twist, and can a legend pull off a win in this wild new era? Listen now for every tip, story, and real-talk strategy you need to start your Big Brother journey! Chapters: 00:00 Welcoming Big Brother Winner Rachel 02:15 Social Adaptability in Big Brother Era 07:52 Returner Advantage Versus New Players 14:39 Balancing Character and Big Brother Gameplay 22:52 Making Allies for Big Brother Jury 29:42 Navigating Returnees in the Big Brother House 41:31 Mastering Big Brother's Social Dynamics 54:03 Big Brother's Weekly Shifting Landscape Never miss a minute of RHAP's extensive Big Brother coverage! LISTEN: Subscribe to the Big Brother podcast feed WATCH:  Watch and subscribe to the podcast on YouTube SUPPORT:  Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks!

Rachel Explains How to Win Big Brother Host Taran Armstrong welcomes winner Rachel for a “How to Win Big Brother” strategy conversation, where they unpack what it takes to navigate new school Big Brother just as BB28 looms. In this winner-focused episode, Rachel shares her hard-won advice from BB13 and her recent run, comparing how the BB26 house operates now with its chaotic HOH reigns, ever-changing Veto stakes, and game-flipping arenas. Taran and Rachel discuss how “creating your own luck” is a must, as social maneuvering often trumps brute comp wins in this era. They break down why nobody can coast, how returnees are both targets and assets, and why masterminds must adapt their play for every season. Rachel's tips also include jury management, reading shifting house moods, and why even bold personalities need to build real bonds before making big moves. Expect strategy stories, mistakes to avoid, and honest talk about the pressure to win the vote in the end. Rachel insists “you have to make everyone like you”—social connections are the best shield from random twists. In BB26, even the tightest allies can find themselves nominated, so players must be both prepared for anything and quick to form new alliances. Taran spotlights that returnees need to reinvent their games; copying old strategies rarely works the same way twice. Smart players use questions and genuine curiosity to form deep connections, setting up “jury votes” long before the finale. Emotional control matters: Rachel and Taran share lessons on when to bite your tongue in the house and only vent to the Diary Room. With power shifts looming and BB28 casting soon, the BB26 lessons are clear—adapt or get left behind. Will new school players play socially strong enough to withstand the next twist, and can a legend pull off a win in this wild new era? Listen now for every tip, story, and real-talk strategy you need to start your Big Brother journey! Chapters: 00:00 Welcoming Big Brother Winner Rachel 02:15 Social Adaptability in Big Brother Era 07:52 Returner Advantage Versus New Players 14:39 Balancing Character and Big Brother Gameplay 22:52 Making Allies for Big Brother Jury 29:42 Navigating Returnees in the Big Brother House 41:31 Mastering Big Brother's Social Dynamics 54:03 Big Brother's Weekly Shifting Landscape Never miss a minute of RHAP's extensive Big Brother coverage! LISTEN: Subscribe to the Big Brother podcast feed WATCH:  Watch and subscribe to the podcast on YouTube SUPPORT:  Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks!

Tech giants and chipmakers are facing off as AI-fueled memory shortages trigger sweeping price hikes on everything from Macs to game consoles. Hear why global supply chain standoffs, long-term contracts, and old-school market forces are quietly reshaping your daily technology. • Apple and Microsoft hike prices on devices amid global memory shortages • Surge in AI data centers drives RAM and storage crisis • Intel's comeback: Core Ultra chips compete with AMD in handheld gaming • Microsoft's pivot to ARM, Qualcomm-NVIDIA alliance, and x86 rivalry • AI fear and backlash; organic concern amplified by international actors • White House abruptly pulls Anthropic's Fable model, sparking industry uproar • US government U-turns on AI regulation, restricts top models to select partners • Tension over AI innovation vs. regulatory "rug pull" and global competition • Smart home chaos: Matter 1.6 standard, Samsung and Level Lock shake-up • Debate over local vs. cloud smart home control and API access fees • Ring and Flock cameras ignite privacy and surveillance state concerns • Social media bans for under-16s fail in Australia, UK, and Norway plan similar rules • BBC Radio 4 long wave broadcast ends after a century • Meta gets caught tracking employees for AI; PlayStation deletes owned movies • US regulators propose removing brake pedals from Robotaxis • Ford's automated systems flop, company rehiring engineers • Farewell to tech journalist and GigaOm founder Om Malik Host: Leo Laporte Guests: Jennifer Pattison Tuohy, Dan Patterson, and Daniel Rubino Download or subscribe to This Week in Tech at https://twit.tv/shows/this-week-in-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: Simply CX box.com/AI meter.com/twit ZipRecruiter.com/twit superhuman.com

Americans are sitting on more home equity than ever -- and more of them are tapping it. Not because they're struggling, but because they locked in ultra-low mortgage rates and they're not giving those up. So instead of refinancing, they're turning to HELOCs and home equity loans. Joe and OG walk through the math, the psychology, the questions most people never think to ask, and the specific situations where borrowing against your home equity actually makes sense -- and the ones where it quietly destroys a plan that was working.What You'll Walk Away WithWhy home equity borrowing is surging right now -- and why keeping a 3% mortgage while opening a HELOC at 7.5% might still be the smarter moveThe Oreo problem: why having a HELOC open "just in case" is the financial equivalent of leaving a sleeve of Oreos on the counter and expecting not to eat themOG's CEO versus CFO framework: how to separate the decision of whether to do the project from the decision of how to finance itThe rate math you should actually run before choosing between a HELOC, a home equity loan, and a full refinance -- including current Bankrate benchmarksHome improvements, credit card consolidation, college costs, business startup, and investing: OG's honest take on each use case, including the ones that are just bad ideasThe questions nobody asks before getting a HELOC -- including when the rate adjusts (spoiler: faster in one direction), what happens to the draw period, and whether the bank can pull the line at any timeWhy using home equity as a third-tier emergency fund sounds clever but has a fatal flawWhat happens if home prices fall and you've borrowed heavily against the equity -- and why Texas has the 80% ruleOG and Anna wrap up season two of the financial basics series -- including why financial planning is an ongoing activity, not a document, and what's coming in season threeThe one open question OG wants Stackers to send him before season three beginsWhy This Matters NowHome prices are up. Mortgage rates are still elevated. The people most tempted to tap their equity are often the ones who built it most carefully -- and that's exactly when the guardrails matter most.From the BasementJoe and OG dig into the HELOC decision with specifics: math, psychology, use cases, and the questions banks don't volunteer. OG and Anna close out season two of the financial basics series with a reflection on why everything in a financial plan connects to everything else -- and a preview of what's coming in season three. Doug arrives with Bernie Madoff trivia. The guides get a Scout upgrade and the college planning guide gets a refresh just in time for back to school.Resources MentionedStacking Benjamins Guides -- workplace benefits, tax planning, and college planning with Scout AI; stackingbenjamins.com/guidesStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Basics Guide -- season one and season two; stackingbenjamins.com/basicsguideStacking Benjamins voicemail -- stackingbenjamins.com/yelldownstairs; leave a question for the next Q&A episode with AnnaOG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This Week In Startups is made possible by:Plaud - https://Plaud.ai/twistSentry - https://sentry.io/twistNorthwest Registered Agent-https://northwestregisteredagent.com/twistDigitalOcean - https://do.co/twistToday's show:F1 teams spend up to a third of their budgets on aerodynamics, often utilizing wind tunnels to simulate what happens on the track.But Lyall Davenport of SKN Systems created a sensor-embedded tape that sticks directly to race cars as they drive around the real world, generating 420M data points per hour. And it comes in at roughly 95% less cost than running a full simulator.Hear about how Lyall's background in racing helped him develop the concept, plans to expand from motorsports to drones and defense, and his experiences going through Jason's various programs.PLUS OpenAI's new models are so good, you can't use them. Why Apple's Vision Pro chief defected to OpenAI (and why their laptops and devices are getting more expensive). A look at the world's most annoying data center in Sterling, Virginia. And Jason remembers iconic and influential tech journalist Om Malik.Guest:Lyall Davenport: https://x.com/LyalldavenportSKN Systems: https://www.skn.systems/Timestamps:0:00 How SKN uses tape to generate aerodynamic data4:04 Plaud: If your work depends on conversations — interviews, meetings, calls — you need a Plaud NotePin. You can check it out at https://Plaud.ai/twist and use code TWIST for 10% off!6:17 How SKN uses tape to generate aerodynamic data9:55 Sentry - Your team should be focused on shipping features — not chasing down bugs. New users can get $240 in free credits when they go to https://sentry.io/twist and use the code TWIST17:20 F1 teams are worth HOW MUCH?19:42 Northwest Registered Agent: Get more when you start your business with Northwest. In 10 clicks and 10 minutes, you can form your company and walk away with a real business identity — Learn more at https://northwestregisteredagent.com/twist20:35 Future markets beyond motorsports30:03 DigitalOcean - Want to see what building on a true AI-native platform looks like? Head to https://do.co/twist to start building on DigitalOcean's AI-Native Cloud today — and cut your AI workload costs by up to 50%.32:45 GPT-5.6 is banned for now43:46 Vision Pro chief makes for the exit51:24 Apple raises their prices56:05 The data center you're allowed to hate1:06:04 Zuck's new prediction market app1:08:42 RIP Om Malik (1966-2026)1:19:50 Streaming and camera recommendations1:28:06 All about eFoilingSubscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.comCheck out the TWIST500: https://www.twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcpFollow Lon:X: https://x.com/lonsLinkedIn: ⁠https://www.linkedin.com/in/alexwilhelmFollow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanisCheck out all our partner offers: https://partners.launch.co/Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarlandCheck out Jason's suite of newsletters: https://substack.com/@calacanisFollow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: https://www.instagram.com/thisweekinstartupsTikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: https://twistartups.substack.com

Smart, competent business owners tend to lose IQ points the second the conversation turns to their finances. Heidi DeCoux built something to fix exactly that. In this episode, Kelly sits down with Heidi, the founder of Cashflowy.AI to talk about why so many solopreneurs freeze around their numbers, the brutal co-founder situation Heidi had to fight her way out of before she could bring the tool to life (and the three lessons that saved her), and how an AI CFO named Clara is making "how much can I safely pay myself this month?" a question you can finally answer. If your books are a source of dread, this one's permission to stop being afraid. What's inside: Why understanding your numbers is the thing that actually sets you free The partnership red flags Heidi ignored, and what she'd do differently What makes bookkeeping built for one type of business so much smarter Where AI is about to take the entire accounting industry Timestamps 01:42 — From rural Minnesota to four businesses and three exits 03:14 — The unsolved pain she set out to fix: solopreneurs frozen around their numbers 04:47 — The co-founder she had to legally remove 05:33 — Three hard lessons (move slower, don't skimp on legal, understand the tech) 08:05 — The right co-founder, the test project, and divine timing 09:22 — Why your partner is the biggest defining factor of your success 10:01 — Kelly's own partnership lesson learned 10:52 — How Cashfowy.ai works and who it's built for 11:23 — Why QuickBooks, FreshBooks, and Wave miss the mark for solopreneurs 13:11 — One plan, $39/month, everything included 13:54 — Meet Clara, the built-in AI CFO 14:37 — From recordkeeping to real decision-making 15:52 — The dashboard features users love most (safe pay, tax estimator) 17:58 — Where the accounting industry is heading with AI 18:15 — AI tax returns and the future of the CPA 22:38 — How fast you can get set up (6 minutes, 33 seconds) Resources & Mentions Follow Heidi on Instagram: https://www.instagram.com/heididecoux/  Get your free trial at: https://cashflowy.ai/sales?via=kelly-roach  Register for Kelly's FREE AI for Sales training: https://accelerator.virtualbusinessschool.com/ai-for-sales-register 

This week on I Want That Too, Jim Hill and Lauren Hersey look at how Toy Story 5 is already reshaping the summer box office, the Disney collector market, and the fast-food promotional landscape. Lauren digs into Lorcana's sudden surge, Disney Springs' new merch-drop rules, and the growing trading-card gold rush around Disney, Pixar, Marvel, and Magic: The Gathering. Then Jim and Lauren unpack Disney Store's AI shopping experiment, the new Hakuna Matata Lion King Broadway collection, Cinderella Castle snow globe nostalgia, and why Disney picked Papa John's, Wendy's, Subway, and McDonald's for this summer's movie tie-ins. NEWS • Toy Story 5 opens huge at the box office, with Woody, Buzz, Jessie, and Smarty Pants helping Disney dominate the summer conversation. • Disney Lorcana enters a new collector frenzy as older cards become harder to find and Pixar characters arrive in the Wild's Unknown set. • Disney Springs introduces new merch-drop procedures, including later garage openings, wristbands, and designated waiting areas. • Topps Chrome Disney and Marvel's Magic: The Gathering collaboration show how Disney is leaning deeper into trading cards and tabletop fandom. • Disney Store begins testing a generative AI shopping assistant designed to recommend gifts and products through natural-language prompts. FEATURE • Jim explains why Disney chose Papa John's for Toy Story 5, turning Pizza Planet into a real-world promotional hook. • Wendy's answers with a Minions and Monsters drive-thru activation that reportedly drew massive crowds in California. • Subway gets in early with a live-action Moana meal, collectible cups, and a Fandango ticket-code incentive. • McDonald's remains in Disney's promotional orbit, with Hexed positioned for a Thanksgiving push tied to Happy Meal visibility. HOSTS • Jim Hill - X/Twitter: @JimHillMedia, Instagram: @JimHillMedia, Website: jimhillmedia.com • Lauren Hersey - X/Twitter: @laurenhersey2, Instagram: @lauren_hersey_ FOLLOW • Facebook: @JimHillMediaNews • YouTube: @jimhillmedia • TikTok: @jimhillmedia • Patreon: https://www.patreon.com/jimhillmedia/ SUPPORT Support the show and access bonus episodes and additional content at https://www.patreon.com/jimhillmedia. PRODUCTION CREDITS Edited by Dave Grey Produced by Eric Hersey - https://strongmindedagency.com SPONSOR I Want That Too is brought to you by UnlockedMagic.com, your go-to source for great deals on Disney and Universal tickets. If a trip to the parks is on your radar for summer or fall of 2026, head to UnlockedMagic.com and let their team help make your next vacation a little more magical. If you would like to sponsor a show on the Jim Hill Media Podcast Network, reach out today. https://www.jimhillmedia.com/sponsor/ Learn more about your ad choices. Visit megaphone.fm/adchoices

6.25.26, Kevin Sheehan opens up the show reacting to Brandon Aiyuk's most recent Instagram post and a big NBA trade between the Timberwolves and the Hornets.

Noted soccer experts Paulie & Tony Fusco tell you the simple way USA Soccer can beat everyone at World Cup 2026. They also explain why they are VERY CONCERNED about Thursday's match between USA and Turkey. Plus, they tell you about an UNFAIR situation at the World Cup, explain why they don't like FIFA's hydration breaks or Alexi Lalas's soccer coverage, and they also suggest some minor changes that would make soccer much more fun to watch. Rate and review the pod 5-stars on Apple Podcasts bro Shop merch store HERE bro and get TERRIFIC products.See omnystudio.com/listener for privacy information.

Send Steve a Text MessageYou can love guitar for decades and still feel like you're spinning your wheels. Ken joins me to talk through that exact frustration, from years of casual playing with no structure to a clear, focused plan that finally makes progress feel real. His story starts with classic rock inspiration and a powerful family moment, then turns into the question so many players avoid: what are you actually practicing, and why? We dig into the practical stuff that moves the needle for adult guitarists: bar chords that don't fall apart, switching cleanly between open chords and barre shapes, and using the metronome as a daily anchor. Ken shares how he builds confidence the honest way, by improving execution, and how small technical choices can remove the “I'll never get this” feeling. We also talk about the underrated breakthroughs that come from learning musical details like arpeggios, slash chords such as D/F sharp, and simple chord colors that make familiar songs sound alive. The heart of the conversation is goal-based practice. Ken's main targets are personal and concrete: play a short concert for his wife and be able to sit down and play with his son. That leads to SMART goals, better routines, smarter song selection, and a plan for year two that expands into soloing skills, scales, and eventually bigger musical situations like a church band. If you're searching for guitar motivation, a structured practice routine, and a way to stop wasting time on random lessons, you'll get plenty to borrow here. If this helped, subscribe, share it with a guitarist who feels stuck, and leave a review so more players can find the path forward.Thanks for being here!! I will continue to do my best to bring you the best, most informative guitar discussions to help you along your guitar journey! Please like, share and subscribe to get the word out about this podcast, and please check out the GuitarZoom Academy if you are ready to achieve your guitar goals!!GuitarZoom Homepage The more you share this podcast with others, the more I can continue to grow this channel and offer the best information and advice I can to you.Thank you!SteveLinks:Check out the GuitarZoom Academy:https://academy.guitarzoom.com/Steve's Channel → https://www.youtube.com/user/stinemus... GuitarZoom Channel → https://www.youtube.com/user/guitarz0... Songs Channel → https://www.youtube.com/user/GuitarSo... . 

Emmet Kennedy, Andy Newton, George Gorman and Jaime Wrenn return with the Final Furlong Podcast Weekend Betting Guide, previewing the biggest betting opportunities from a superb Saturday featuring two Group 1s at the Curragh, competitive handicaps at York and Newcastle, and the prestigious Northumberland Plate. After a profitable Royal Ascot, the team return with confident NAPs, major handicap angles and several double-figure selections, including a 14/1 NAP, 12/1, 8/1 and 5/1 betting plays.

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In this episode of the Greenside Up Podcast, Jordan and Jason sit down with Zack Farr, third-generation citrus grower, redneck entrepreneur, and co-founder of Biotech Applied Research, for a wild, unfiltered ride from castrating calves to carbon-smart soils. Zack walks through his journey from FSU to Miami sales, back home to struggling citrus groves, into industrial hemp, and ultimately to discovering the power of biochar after a "holy grail" 15' x 15' patch of supercharged soil changed everything. The conversation dives deep into the realities of Florida agriculture, the collapse of citrus, the politics and economics around hemp, and how biochar is being used for tree restoration, mitigation projects, turf and landscape installs, and large-scale soil remediation. Along the way, they swap stories about a high-spec Tampa tree mitigation job that unknowingly used Zack's product, talk practical application methods, ROI, and why biochar might be the "foundation concrete" of healthy soils rather than just another green-industry fad. If you're in trees, turf, landscape, or ag and want a real-world, boots-on-the-ground look at biochar and regenerative practices in Florida, this episode is for you. Connect with Jason and Jordan:

What separates successful traders from struggling traders?After nearly 20 years of trading and 15 years of coaching traders from around the world, I've noticed that profitable traders share many of the same habits. Surprisingly, it has very little to do with finding the perfect strategy or indicator.In this video, I'll reveal 10 things smart traders do differently, including why they trade less, how they handle mistakes, why journaling is essential, and the hidden habits that help them stay profitable over the long term.Your Trading Coach - Akil

Have you ever looked around your home and wondered where all the stuff is supposed to go? In this listener Q&A episode, I'm answering three questions that might sound unrelated at first—bulky sweatshirts, crowded kitchen countertops, and those awkward dead-end corner cabinets—but they all point to a bigger challenge many of us face: making our homes work when space is limited. We'll talk about practical ways to store bulky clothing, decide which appliances deserve valuable countertop space, and make peace with those hard-to-reach cabinets that never seem to function the way we'd like. Along the way, we'll also explore why many of us own more than previous generations, how to stop organizing around Pinterest-perfect expectations, and why creating space in your home sometimes starts with owning less—not buying more storage. If you've ever felt like you're constantly rearranging things but never quite getting ahead, this conversation is for you. In This Episode: • Where to store bulky sweatshirts without creating closet chaos • How to decide which kitchen appliances earn countertop space • Creative alternatives when cabinet storage is limited • Smart ways to use awkward corner cabinets • Why not every inch of your home needs to be maximized • Creating a home that works for your real life—not someone else's Have a question you'd like answered on a future episode? Email: info@organizewithkristina.com

A huge portion of the tech industry has decided that smart glasses are the next big thing. But why? Smart glasses are incredibly hard to make, hugely socially complicated, and require users to want to wear a gadget on their face. The Verge's Victoria Song helps us figure out which features, if any, will make smart glasses worth all the trouble. Further reading: All these smart glasses and nothing to do Subscribe to The Verge for unlimited access to theverge.com, subscriber-exclusive newsletters, and our ad-free podcast feed. We love hearing from you! Email your questions and thoughts to vergecast@theverge.com or call us at 866-VERGE11. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Click here to watch on YouTubeBuying a home can feel impossible right now. Prices are high, rates are high, rents are high, and many buyers believe they need a huge down payment or perfect finances before they can even start. In this episode of The Brian Buffini Show, Brian shares why homeownership may still be possible — even if you're short on cash. He explains how smart buyers are getting strategic, using first-time buyer programs, negotiating seller credits, exploring creative financing options, and choosing the right first home instead of waiting for the perfect one.Brian also introduces the new Ask Brian segment and answers questions about how buyers and real estate professionals can think more creatively in today's market. Plus, in Coach 'Em Up, Brian helps a real estate professional understand how to build a team, hand off referrals, and lead with confidence.YOU WILL LEARN:• Why pre-approval gives buyers a stronger position before they shop.• How creative strategies like lease options, assumable loans and second trust deeds can open the door to homeownership.• How real estate leaders can transition out of production by building and training a trusted team.NOTEWORTHY QUOTES FROM THIS EPISODE:“Most people buying homes right now, they're not rich, they're just strategic.” – Brian Buffini“Your first home doesn't need to impress people, it needs to position you.” – Brian Buffini“The buyers who win are the ones who learn the game before they play it.” – Brian Buffini“Lack of cash doesn't mean lack of opportunity. Sometimes it's just a lack of strategy.” – Brian Buffini“You make money in real estate if you solve somebody else's problem.” – Brian Buffini“It's the greatest thing in the world to go that extra mile and help somebody.” – Brian BuffiniThe Brian Buffini Show Hosted on Acast. See acast.com/privacy for more information.

In this episode, Caroline, Taryn, and Liz talk with kitchen expert Cyndy Cantley, principal designer of Cantley & Company. Cyndy joins the show to share her wealth of knowledge on building bespoke, beautifully functional kitchens that stand the test of time, drawing from a legendary career that includes a Bon Appétit magazine cover feature early in her business. The hosts pick Cyndy's brain about shifting kitchen trends—from the cringe-worthy pink laminates of the past to modern hyper-functional layouts—and get her top recommendations for cabinetry, countertop materials, and space planning. Embrace the English Inset: To design a kitchen that looks gorgeous decades later, stick to timeless styles like simple English flush inset cabinetry. Limit your options rather than getting overwhelmed by hundreds of trendy door styles. Prioritize Drawers Over Doors: Base cabinets with deep drawers are far superior to standard doors for storage because they eliminate the need to move items in the front to get to the back, making heavy pots and pans completely accessible. The Case for Clear Islands: If space permits, aim for a clean kitchen island devoid of sinks, cooktops, or appliances. An uninterrupted surface creates an ideal multi-use environment for meal prep, serving, homework, and entertaining. Design for Reality, Not a Dream: Avoid tailoring an expensive kitchen remodel around an idealized version of your lifestyle. If you only host formal dinners twice a year, don't sacrifice daily functionality for features meant only for entertaining. The Magic of Real Stone: Don't let builders scare you away from natural marble. It's far more resilient than people think, ages with a beautiful European patina, and chips can easily be blended because it is solid rock. 00:34 – Introduction to kitchen expert Cyndy Cantley. 01:17 – Cyndy's serendipitous start: Designing a show house kitchen that led to a project for award-winning chef Frank Stitt and a Bon Appétit cover. 03:24 – The history of kitchen design trends, from pink Corian and pickled wood to painted finishes. 06:04 – Falling in love with English inset cabinetry and keeping a portfolio timeless. 09:17 – The anatomy of a cabinet door: Rails, styles, and maintaining perfect proportions. 11:16 – Understanding the standard 4-inch toe kick and aligning it with major American appliances. 12:24 – The functionality of wide drawers vs. standard doors and pull-outs. 14:48 – Smart corner solutions: Why swing-out organizers beat old-school lazy Susans. 16:35 – High-value internal inserts worth your budget: Alphabetical spice drawers, dual cutlery organization, and tray dividers. 25:00 – Designing for pets: Incorporating custom dog bowl cubbies built with slab scraps. 28:39 – Smart alternative storage: Utilizing ceiling-height cabinets and 12-to-15-inch deep floor-to-ceiling dish cabinets. 30:36 – Appliance garages, coffee stations, and pocket door mechanics. 36:38 – The truth about microwave placement, microwave drawers, and hidden panel-ready fridges. 47:36 – Countertop deep-dive: Falling in love with marble, managing budgets, and color matching slabs. 55:34 – Choosing kitchen flooring: The warmth of wood vs. traditional cold tiles. 56:45 – Kitchen hardware layout tips: Mixing knobs, drop pulls, and custom backplates. 01:00:06 – Functional spatial rules: Why right-handed cooks should always place dishwashers on the left and trash pull-outs on the right. Mentioned in This Episode Cantley & Company: Cyndy's custom design studio specializing in bespoke cabinetry and space design. Frank Stitt's Kitchen: The career-launching project featured on the cover of Bon Appétit. Calacatta & Carrara Marble: The pros, cons, and budgeting realities of high-movement stones. Instagram: @cantleytoulman Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics covered in this episode: Backup Docker volumes locally or to any S3 Pyodide 314.0 Release nb-cli: A Command-Line Interface for AI Agents and Notebook Automation Hindsight Agent Memory That Learns Extras Joke Watch on YouTube About the show Sponsored by us! Support our work through: Our courses at Talk Python AWS Community Day Midwest tomorrow Wednesday the 24th in downtown Indianapolis, Six Feet Up is sponsoring and there are 2 Sixies presenting Connect with the hosts Michael: Mastodon / BlueSky / X / LinkedIn Calvin: Mastodon / BlueSky / X / LinkedIn Show: Mastodon / BlueSky / X Join us on YouTube at pythonbytes.fm/live to be part of the audience. Usually Tuesday at 7am PT. Older video versions available there too. Finally, if you want an bonus digest of every week of the show notes in email form? Add your name and email to our friends of the show list, we'll never share it. Michael #1: Backup Docker volumes locally or to any S3 Via Bryan Weber (thanks Bryan!), who spotted it over on Virtualization HowTo. Find Bryan at bryanwweber.com. offen/docker-volume-backup is a lightweight companion container that backs up the volumes your apps actually depend on, then ships them somewhere safe. It's tiny: written in Go and about 25MB compressed, roughly 1/20th the size of the shell-based image (jareware/docker-volume-backup) that inspired it. Drop it into your docker compose file as a backup service, mount the volumes you care about as read-only, and you're off. Push backups to a pile of destinations: a local directory, plus any S3, WebDAV, Azure Blob Storage, Dropbox, Google Drive, or SSH-compatible target. Mix and match as many as you want in one run. Recurring cron-style backups in a Compose setup, or one-off backups straight from the Docker CLI. Production-friendly touches worth calling out: Rotates away old backups so you don't quietly fill the disk. GPG encryption for your archives. Notifications on finished and failed runs (so you find out about failures before you need the backup). Stop a container during backup for a consistent snapshot using a simple docker-volume-backup.stop-during-backup=true label, then auto-restart it. Run custom commands during the backup lifecycle (great for a database dump before the file copy). Docker Swarm support, plus arm64 and arm/v7 builds. Hello, Raspberry Pi homelab. Fun aside from Bryan: he searched our back catalog for this tool and the search came back so fast he thought it hadn't run. Love to hear it. Calvin #2: Pyodide 314.0 Release PEP 783 is the real news — Pyodide maintainers used to hand-build 300+ packages. Now anyone can publish Pyodide wheels to PyPI with cibuildwheel. The version jump from 0.29 to 314.0 is intentional — it now tracks the Python version, so 314.x = Python 3.14. Binary compatibility is locked per Python cycle, meaning packages you build today won't break on the next Pyodide release. sqlite3, ssl, and lzma are back in the default stdlib — no more await pyodide.loadPackage("sqlite3"). Bigger download, but a much smoother experience for newcomers. bigint precision bug is fixed — values above 2^53 were silently losing precision when crossing the Python/JS boundary. The new JsBigInt type makes the roundtrip correct. Worth flagging if anyone is doing numeric work in a browser app. Experimental TCP sockets in Node.js — you can now connect Pyodide to a real database (MySQL, PostgreSQL, Redis tested) when running server-side. Blurs the line between "Python in the browser" and "Python runtime anywhere Wasm runs." Michael #3: nb-cli: A Command-Line Interface for AI Agents and Notebook Automation From Piyush Jain (Jupyter and LangChain maintainer) on the Jupyter blog: nb-cli: A Command-Line Interface for AI Agents and Notebook Automation. nb-cli is an experimental, Rust-based CLI to read, write, execute, and search Jupyter notebooks. The premise: agents are great at CLIs but terrible at hand-editing the nested JSON in an .ipynb, so let them operate on the notebook from the outside instead of running inside it. Works with or without a Jupyter server. No server? It reads/writes .ipynb files directly and talks to kernels over ZeroMQ. Connected to a live JupyterLab, your edits show up instantly via Y.js (the same CRDT Jupyter uses). Smart output format: instead of token-heavy JSON or ambiguous plain markdown, it uses @@cell / @@output sentinels with inline metadata. Less wasted context, unambiguous structure, and it degrades gracefully on truncation. The payoff is composability. "Add a summary section and run it" becomes one shell pipeline instead of six agent tool calls. And nb search notebook.ipynb --with-errors returns only the failing cells, so the agent skips the cells that worked. Claude Code tie-in: it ships as an agent skill. npx skills install jupyter-ai-contrib/nb-cli and your agent can drive notebooks via nb. Out of jupyter-ai-contrib, which aims to become an official Jupyter AI subproject. Still early (crates.io is at v0.0.5), so kick the tires before anything load-bearing. See also marimo-pair. Calvin #4: Hindsight Agent Memory That Learns AI agents forget everything between sessions — Hindsight gives them persistent memory that learns over time Simple three-method API: retain(), recall(), reflect() — store, retrieve, and reason over memories TEMPR retrieval runs semantic, keyword, graph, and temporal search in parallel for accurate results Automatically consolidates related facts into durable observations instead of piling up duplicates pip install hindsight-all runs the entire server in-process; integrates with LangChain, LlamaIndex, Pydantic AI, CrewAI, and more Extras Calvin: Clanker: A Word For The Machine **Ponytail — You know him. Long ponytail. Oval glasses. Has been at the company longer than the version control** **Klangk: Multi-User AI Sandboxing, Collaboration and Coding Platform** Cursor announces Origin performative-ui to quick start your new idea Michael: Astral Joins OpenAI: The Interview SpaceX to acquire Cursor And OpenAI renews Open Source support Portuguese subtitles are now available for Talk Python courses DSF is hiring including Six Feet Up support Joke: Oh Babe…

What if one of the most powerful productivity tools wasn't an app, a planner, or a morning routine, but a passport? For Evelyn Kelly and her daughter Natalie Kelly, travel has been far more than a hobby. Over three decades, it has shaped their resilience, adaptability, negotiation skills, and personal growth. What began as a three-week trip to Europe after a disappointing election loss grew into a lifelong adventure spanning seven continents, 88 countries, and all 50 U.S. states.  In this episode of Productivity Smarts, host Gerald J. Leonard sits down with the world-traveling mother-daughter duo behind Have a Love Affair with Travel: Your Ticket to an Exhilarating Life and Have a Love Affair with the USA. Together, they share how travel transformed their outlook on life, strengthened their relationship, and taught them lessons that extend far beyond airports and tourist attractions. Evelyn and Natalie reveal why getting out of your comfort zone is essential for growth, how negotiating with street vendors sharpened professional leadership skills, and why flexibility may be one of the most underrated productivity habits. They discuss navigating unexpected challenges, from finding themselves in Tunisia during the Arab Spring to adapting to less-than-luxurious accommodations in remote corners of the world. The conversation also explores practical ways anyone can begin traveling, even with limited time, money, or experience. Whether it's exploring destinations close to home, traveling solo, or learning how to maximize rewards programs, the Kellys show that meaningful travel is accessible to more people than they think. If you've ever dreamed of seeing more of the world, breaking free from routine, or finding fresh inspiration in your personal or professional life, this episode will encourage you to stop waiting for the perfect moment and start your next adventure today. Ready to trade comfort for curiosity? Listen now and discover how travel can transform your mindset, your relationships, and your productivity.   What We Discuss [00:00] Introduction [02:01] Meet Evelyn and Natalie Kelly [05:02] How a failed election campaign sparked a lifetime of travel [06:09] Getting bitten by the travel bug [07:14] Productivity lessons from planning international adventures [08:27] Why using travel experts can save time and stress [10:00] Travel safety and lessons from the Arab Spring [11:31] Travel as transformation, not recreation [12:27] The importance of leaving your comfort zone [13:20] What decades of travel teach about humanity [14:45] Flexibility as a productivity skill [15:55] Learning from uncomfortable travel experiences [17:11] Why travel helps you truly live life [19:03] Managing routines and habits while traveling [20:31] The rise of solo travel [21:10] How to travel despite time and budget constraints [22:00] Smart strategies for affordable travel [24:04] Negotiation lessons learned around the world [25:48] Building patience and resilience through travel [26:46] How to start small and overcome travel fears [28:30] Traveling with disabilities and accessibility considerations [29:23] The lasting impact of seeing the world [31:00] Why everyone should make time for adventure [32:00] Final thoughts and wrap-up  Notable Quotes [06:16] "We got bit by the travel bug, and we were never the same." – Evelyn Kelly [12:42] "Get out of the comfort zone because that is what is very, very important. Unless you begin something, you're not going to get into it." – Evelyn Kelly [13:32] "No matter what country you go to, we're all the same. We want a roof over our heads, food, freedom, and our families." – Natalie Kelly [15:10] "You have to learn to be flexible, and I think that's part of being a productive person." – Evelyn Kelly [16:55] "Everybody around me had to deal with it. That is flexibility." – Natalie Kelly [24:28] "One thing travel has helped me with is negotiations." – Natalie Kelly [25:48] "I have learned patience, resiliency, and how to pivot. Those are skills I use every day as a professional." – Natalie Kelly [27:00] "Start small. Look around your local area and discover what you've been missing." – Natalie Kelly Resource and Links Natalie Kelly LinkedIn: https://www.linkedin.com/in/david-deputy-7a560952 Book: The Spring Grove Mill House   Evelyn Kelly LinkedIn   Productivity Smarts Podcast Website - productivitysmartspodcast.com   Gerald J. Leonard Website - geraldjleonard.com Turnberry Premiere website - turnberrypremiere.com Scheduler - vcita.com/v/geraldjleonard Kiva is a loan, not a donation, allowing you to cycle your money and create a personal impact worldwide. https://www.kiva.org/lender/topmindshelpingtopminds

Seth and Sean dive into some cross-sport comps they got back when asking AI to comp current Texans with 2017 Astros, discuss the Astros loss last night and Bob Nightengale saying ownership is staying aggressive, assess if the phrases ChatGPT gave them to sound smart at the Portugal-Uzbekistan match will have the intended effect, and see what Reggie and Lopez have for the ITL question of the day.

Send us Fan MailA few weeks ago, I realized something.I spend a lot of time thinking about women in midlife. I write content for them, coach them, record podcasts for them, and build programs for them. But I was starting to feel disconnected from the actual humans behind the screen.So I decided to stop guessing and start listening.For two weeks, I jumped on Zoom calls with dozens of women from my community. Smart women. Successful women. Funny women. Women who know more about nutrition and fitness than most people ever will. And yet so many of them were stuck.Not because they didn't know what to do.Because life is life.They were juggling aging parents, changing careers, grief, empty nests, injuries, stress, hormones, exhaustion, and the constant feeling that they were always starting over.What struck me wasn't how different their stories were. It was how similar they were.The same three themes came up again and again.First, consistency. Almost everyone told me some version of, "I know what to do, I just can't seem to keep doing it." And what became crystal clear is that motivation isn't the problem. Motivation is a mood. What actually matters is having a system that can survive real life.Second, midlife body changes. So many women felt betrayed by bodies that weren't responding the way they used to. We talked about what is actually happening during this phase of life, why your metabolism probably isn't broken, and why random workouts and extreme diets are no longer the answer.And third, overwhelm. The internet has turned fitness into a full-time research project. Women are drowning in conflicting advice, saved Instagram posts, meal plans, and fitness programs. The truth? Most of us don't need more information. We need less noise and more trust in ourselves.The biggest lesson from all these conversations was simple: fitness is not a project you complete. It's a skill you build.The goal isn't perfection.The goal is becoming the kind of woman who knows how to recover when life inevitably throws a wrench into the plan.That's where real confidence comes from.And honestly? That's what fitness mastery looks like.What's Inside:Why motivation is overrated and systems are what actually create consistencyThe truth about midlife body changes and why your metabolism probably isn't brokenHow planning, researching, and program hopping can become a form of avoidanceThe skill that healthy, fit people have mastered that most women overlookIf there's one thing these conversations reminded me, it's that you don't need to be more disciplined. You need to be kinder to yourself when life gets messy and better at getting back on track. DM me on Instagram and tell me: which of these three themes do you see most in your own life right now? Mentioned in This Episode:Masters of Fitness Awesomeness ProgramApply for Fitness Coaching Oonagh Duncan on InstagramFit Feels GoodLeave me a voice note on Speak Pipe!

Tuesday – We start the show late following an employee meeting. We learn young men are being introduced to fatherhood by the video game Pragmata. Smart phones will be getting more expensive, and Jim needs a new one. Why is Only Fans so popular in Orlando? It's Only Money with Scott Brown with Edgewater Family Wealth on why financial advisers are like fishing guides. Plus, JCS News, JCS Trivia & You Heard it Here First. See omnystudio.com/listener for privacy information.

In this episode, Tony Ojeda from West Capital shares insights on navigating the current real estate market, leveraging data-driven strategies, and building successful partnerships. Discover how to adapt to market changes and optimize your real estate and mortgage endeavors.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Daniel Grilli is General Manager for Australasia at VECOS where he is passionate about using adaptive workplace technology to deliver operational strategy initiatives. Mike Petrusky asks Daniel why he believes that true innovation involves rapid learning from failure and requires organizations to be agile, experiment, and adapt quickly. They explore how design and management of workplaces are shifting from assumption-based to evidence-based, using real data about how spaces and amenities are actually used. Daniel says that adaptive technology should serve the people in the workplace, making experiences seamless and frictionless while integration and interoperability between workplace technologies are essential to overcome legacy system silos and unlock greater efficiency. The future of smart workplaces lies in their ability to adapt rather than simply being technologically advanced, so Mike and Daniel offer the encouragement and inspiration you will need to be a Workplace Innovator in your organization! Connect with Daniel on LinkedIn: https://www.linkedin.com/in/daniel-grilli-3359b834/ Learn more about VECOS: https://www.vecos.com/en/ Watch the podcast on YouTube: https://www.youtube.com/playlist?list=PLSkmmkVFvM4H3pwnlU2AuqynuRDpvnh4J Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/workplace-innovator/ Learn more about Eptura™: https://eptura.com/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/  

In this episode, we wrap up our series titled "Dumb Things Smart Christians Believe" where we explore the often misguided advice of "follow your heart." Join us as we dive into the complexities of trusting our hearts and the potential pitfalls that come with it. Gavin shares personal anecdotes from his upbringing in the 1970s, discussing the music that shaped his youth and how the mantra of following your heart has permeated our culture—from Disney movies to graduation speeches. He challenges the notion that our hearts are always trustworthy, referencing biblical insights from Jeremiah, Paul, and Solomon to illustrate that our hearts can be deceitful. Throughout the episode, we explore four practical steps to help you navigate your feelings and desires while trusting God instead of your heart. Learn how to question your feelings, let Scripture guide you, invite wise counsel, and submit your entire heart to God. If you've ever found yourself in a situation where your heart led you astray, this episode is for you. Discover how to redirect your heart and trust the God who knows you best. Topics Covered: - The cultural mantra of "follow your heart" - Personal stories and music references - Biblical insights on the heart's deceitfulness - Four steps to trust God with your heart --------------------------------------------------------------------------------------------------- We are an alternative to church as usual. Our Sunday worship service is approximately a 75-minute experience designed to introduce people to the message of Jesus and equip believers to live their lives in response to the Gospel while their kids enjoy one of our safe children's environments. Centerpoint is designed to meet you wherever you are on the journey whether you are just checking out the "church thing" or you are a committed Christ follower. Centerpoint is a casual environment that combines today's music with creative media and relevant teaching. We hope you will visit us at Centerpoint Church regardless of what your past church experience has looked like.

Smart glasses promise to translate any language, recognize every face, and capture life hands-free, all without a phone in sight. But when a device can see, store, and remember everything you do, the line between helpful and invasive starts to blur. / Should you come down hard when a child lies (23:00)? On the show: Steve, Fei Fei & Yushan

Tokenisation represents an “operating system upgrade” for the investment industry, says Theo Golden, Baillie Gifford's new head of digital assets. In this episode, they explain what it involves and how it should deliver a better experience, both by reducing the number of middlemen between you and your investments and making your holdings more “useful”. Background:In this conversation, Theo Golden tells Short Briefings… host Leo Kelion about how tokenisation can reduce costs and complexity – and pave the way for providing clients with new services that better fit their needs. Tokenisation means taking an asset – such as a fund – and turning it into a line of code. This lives on a blockchain: a shared digital record that no single party owns or controls. The investment itself doesn't change, but what does are the ways that ownership is recorded and transferred. Instead of a chain of intermediaries, each keeping their own set of books, everyone can work from one shared record. As Golden puts it, it's “the same but better” – the same investments, on faster, lower-cost, more flexible rails built for the internet age. It also paves the way to new capabilities. Among those Golden discusses are making it much easier for clients to use the funds they invest in as collateral for loans, and the development of “agentic wealth management” – AI bots that autonomously plan and, potentially, update an individual client's portfolio based on their risk appetite and changing circumstances. Baillie Gifford's first steps with tokenisation involve fixed income, but in time the ambition is to “build across our investment universe,” Golden says. “So be ready for Baillie Gifford on chain.”  ResourcesBaillie Gifford digital assets hubDr Ian Hunt: Replicating Legacy is Squandering the Promise of Tokenisation: We Are Building a Faster HorseShort Briefings on Long Term Thinking podcast archive Timecodes:00:00  Introduction01:40   “A world with less friction”02:15   The lesson from losing it all04:50  From Bloomberg to bonds06:35  Defining tokenisation and the blockchain08:20  Same assets, better system09:35  One golden source of truth12:35   Making assets more useful16:10   Turning assets into “Lego bricks”19:20   Stablecoins, regulation and new decision-makers24:00  Managing crypto risks26:25  The ‘same but better' rule28:00  Starting with fixed income29:20  Meeting clients where they are30:27  Book pick Glossary of terms (in order of mention): Trading volumes: The amount of buying and selling taking place in a market over a period of time. Blockchain-based tokenisation: The use of blockchain technology to create digital tokens that represent ownership of assets. Self-sovereign: Controlled directly by the owner, rather than depending entirely on a bank, platform or intermediary. Custody: The safekeeping of assets. Self-custody means holding and controlling the asset directly yourself. Counterparties: The other parties involved in a financial transaction or agreement. Multi Asset: An investment approach that can invest across several asset classes, such as shares, bonds, currencies and infrastructure. Catastrophe bonds: Bonds that transfer insurance-related risks, such as natural-disaster losses, from insurers to investors. FX rates: Foreign exchange rates. Smart contract: Computer code that automatically carries out agreed rules when certain conditions are met. Token: A digital representation of an asset or ownership right on a blockchain. Walled garden: A closed system where users can only operate within the rules and limits of one provider or platform. Fixed income fund: A fund that invests mainly in bonds or other debt instruments that typically pay interest. Growth equity fund: A fund that invests in companies expected to grow faster than the wider market. Vehicle for transfer: The system or method used to move ownership or value from one party to another. Rails: The underlying infrastructure that allows transactions or transfers to take place. Reconciliation: The process of checking that different records match each other. Shareholder registry: The official list of people or organisations that own shares or fund units. Transfer agency register: A fund-administration record that tracks investor ownership and transactions. Wallet: A digital tool used to hold and manage blockchain-based assets. Finality: The point at which a transaction is considered complete and cannot easily be reversed. Unitisation: The process of dividing a fund into units so investors can buy and sell a share of the fund. Inert: Hard to move, transfer or use in other financial activities. UK gilt: A UK government bond. Margin call: A demand for more cash or collateral when the value of an investment or position has fallen. Interoperability: The ability of different systems, assets or pieces of software to work together. Composability: The ability to combine digital assets or software components, like building blocks, to create new services. COBOL: Common Business-Oriented Language – an older computer programming language still used in some legacy financial systems. AI agents: Software that can act semi-independently to carry out tasks on behalf of a user. On-chain books and records: Official ownership and transaction records kept on a blockchain. Stablecoin: A digital asset designed to track the value of a traditional currency, such as the US dollar or pound. Fiat currency: Government-issued money, such as pounds, dollars or yen, that is not backed by a physical commodity such as gold. USDC: A stablecoin issued by Circle that is designed to track the value of the US dollar. FCA: The Financial Conduct Authority, the UK regulator for financial services firms and markets. Burn a token: Permanently cancel or destroy a digital token so it can no longer be used. Remit a token: Re-issue a token to a new wallet. Neobank: A digital-first bank, usually operating mainly through apps or online services.

Despite cutting-edge equipment and brilliant minds, biotech labs often find half their data trapped in difficult-to-access spreadsheets or isolated in silos, making true digital transformation a major, industry-wide hurdle.David Hardy, a leading market and innovation strategist at Thermo Fisher Scientific with 25 years of experience at the intersection of data, automation, and laboratory science, is helping organizations bridge the gap between data chaos and actionable insight.Topics discussed:David Hardy's early experiences managing NMR data at AstraZeneca and the origins of his interest in data management (03:46)Lessons from retail analytics and returning to scientific data challenges (05:21)Identifying the persistent problem of data connectivity in labs, despite growing data volumes and new technologies (06:40)The most common pushbacks to digital solutions: long-term commitment and culture change (07:38)What mindsets and leadership approaches support successful digital transformation (08:43)Recognizing fragmentation and spotting “hidden” data silos in biotech labs (10:06)Where data fragmentation hurts the most—especially for cross-disciplinary questions and CMC reporting (11:06)Build vs. buy: deciding whether to create in-house digital tools or work with external vendors (13:50)The importance of adaptable systems and preparing for inevitable change in biotech data management (14:43)Smart insight: True digital transformation is not a project, but a process—a way of working that requires vision, patience, and continual adaptation. The labs that break down data silos and connect their digital resources are better positioned to unlock the full promise of biotech: faster discoveries, more robust compliance, and therapies delivered to patients without unnecessary delay.The connectivity problem doesn't stop at the data layer. These episodes tackle the automation failures, digital infrastructure decisions, and AI readiness questions that determine whether your lab's data ever becomes an asset.Episodes 215 - 216: From Data Silos to Autonomous Biomanufacturing: Digital Twins and AI-Driven Scale-Up with Ilya BurkovEpisodes 233 - 234: Why Most Bioprocess Automation Projects Fail Before the Robot Is Even Ordered with Anthony CatacchioEpisodes 153 - 154: The Future of Bioprocessing: Industry 4.0, Digital Twins, and Continuous Manufacturing Strategies with Tiago MatosEpisodes 17 - 18: How Extracting Gold From Your Data Accelerates Process Development with Ioscani Jiménez del ValConnect with David HardyLinkedIn: www.linkedin.com/in/david-hardy-46331823Thermo Fisher Scientific website: www.thermofisher.comNext step: If you enjoyed this episode, please leave a review on Apple Podcasts or your favorite podcast platform. By doing so, we can empower more scientists like you. Stay tuned for more inspiring biotech insights in our next episode.Support the show

The Morning XTRA with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! First thing to know: It was never about educating your kids Flashback: Back when everything was a hoax invented by the right Spider-ham Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

The Morning XTRA with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! The 6 o'clock hour is brought to you by Subaru of Gwinnett First thing to know: Tucker Carlson leaves the Republican Party / The Dems are making up fake numbers Alpharetta, not Atlanta, is competing with Dallas for Morgan Stanley Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

The Morning XTRA with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! The 8 o'clock hour is brought to you by Central Heating & Air, your Atlanta Carrier Experts. 770-GET-HEAT, Centralheat.com First thing to know: Karmelo Anthony’s family plays the only card they have Would you rather have a peace deal or troops on the ground? The MLB is smartly backing down Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

The Morning XTRA with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! First thing to know: Trump explains the difference in leadership on the right and left Kamala might be drunk again A historian’s warning to the United States Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

In this episode of Smart Home Insider, Andrew O'Hara covers the first public-facing Unify conference from the CSA, key updates around Matter 1.6, and several major smart home and consumer tech headlines. CSA's Jon Harros joins to talk Matter 1.6, security enhancements, and new device categories. Discover how industry leaders are shaping the future of IoT, smart homes, and interoperability.Main Topics:Matter 1.6 release insights and new featuresSecurity enhancements in Matter 1.1 including product security and scalabilityEmerging device categories like water heaters and their industry demandInnovations in user experience, NFC, joint fabric, energy managementIndustry collaboration and member-driven development processIn this episode:Jon Harros, Head of Certification & Testing at the Connectivity Standards Alliance, shares insights from Unify 2023Details on Matter 1.6 updates, NFC improvements, joint fabric, security protocolsIndustry trends and future device category expectationsHow member companies drive the standards and product developmentExciting announcements, including new partnerships and security measuresSend me your smart home questions and recommendations with the hashtag #SmartHomeInsider. Tweet and follow your host at:@andrew_osu on Twitter@andrewohara941 on ThreadsEmail me hereSmart Home Insider YouTube ChannelSubscribe to the Smart Home Insider YouTube Channel and watch our episodes every week! Click here to subscribe.Links from the showJon Harros | CSA Head of Testing & CertificationMatter 1.6 AnnouncementProduct Security 1.1 AnnouncementMatter 1.6 AppleInsider CoverageSilicon Labs Matter-over-Thread Test NetworkFirst HDMI 2.2 Devices ArrivingSchlage Sense ProThose interested in sponsoring the show can reach out to us at: andrew@appleinsider.com

For years, we've been told to build an email list because "the money is in the list." But as social media algorithms become more unpredictable and AI transforms the way people discover and consume content, many experts are wondering if email marketing still deserves a central place in their visibility strategy.  More importantly, how do you build authority and genuine relationships when so much online communication feels automated and impersonal? In Episode 496 of Amplify Your Success Podcast, I sat down with email marketing strategist Kylie Kelly to explore why your email list remains one of the most valuable assets you can own and how to use it to build trust, authority, and meaningful business growth without relying on social media. Kylie shares why relationship-first email marketing is becoming even more important in the age of AI, how interactive lead magnets create stronger engagement than traditional PDFs, and why creating memorable experiences helps subscribers become loyal buyers.  If you've been wondering whether email marketing still works, how AI is changing subscriber behavior, or what it takes to grow an engaged audience that actually wants to hear from you, this conversation offers a refreshing perspective on building a business you own instead of depending on borrowed platforms.   Key Takeaways: [02:55] Why email marketing is becoming even more valuable as AI and social platforms continue to evolve. [04:43] How building genuine relationships—not just growing a bigger list—improves engagement and long-term results. [06:31] Why AI should amplify your voice instead of replacing it. [07:25] How interactive lead magnets create better engagement than traditional downloadable PDFs. [10:24] Why your sender reputation is becoming more important than your subject line. [10:47] The "Start Here" email strategy that replaces the traditional welcome sequence and improves deliverability. [13:09] Four types of emails every authority should rotate through to build trust, credibility, and sales. [17:22] How to intentionally grow an aligned email list through relationship-based collaborations. [20:42] When it's time to move from participating in collaborative events to hosting your own. [23:42] The questions every entrepreneur should ask before saying yes to a collaboration opportunity. [28:24] Why meaningful relationships continue to be one of the strongest growth strategies in business. About The Guest:  Kylie Kelly is a visibility strategist on a mission to help women stop building their businesses on borrowed platforms. She teaches entrepreneurs how to grow their audience and authority through email, collaborations, and search-based visibility, instead of chasing algorithms. As the host of The Email Growth Show and founder of a fast-growing off-social Skool community, Kylie helps business owners turn attention into ownership and subscribers into buyers.   Connect With The Guest: Follow Kylie on Instagram - https://www.instagram.com/the_kyliekelly Join Kylie's FREE Skool Community - https://www.skool.com/online-biz-growth/about Visit Kylie's website - https://kyliekelly.com/ Resources Mentioned in This Episode: Download Kylie Kelly's "Start Here" Email Template - http://kyliekelly.com/start Collaboration X Factor Assessment - An assessment designed to help you identify what helps you build stronger collaborations, relationships, and audience expansion opportunities. Take the 3 minute quiz now at MelanieBenson.com/XFactor.  

Ari is the Co-Owner of Pacific Direct Mortgage & Real Estate, Inc., where she specializes in helping individuals, investors, and business owners secure strategic financing for residential and investment properties. With a strong focus on aligning lending solutions with long-term wealth-building goals, Ari works closely with clients to navigate today's evolving real estate and lending landscape. With extensive experience in mortgage lending and real estate, Ari brings a hands-on, deal-focused approach to financing. Her expertise includes residential mortgages, investment property funding, refinancing strategies, and structuring loans that position borrowers for both immediate opportunities and long-term growth. She is known for simplifying complex financing scenarios and helping clients confidently move forward with the right capital solutions. As a co-owner, Ari plays a key role in delivering a client-first experience at Pacific Direct Mortgage & Real Estate, ensuring borrowers receive personalized guidance and access to the most effective funding options available. She is passionate about empowering clients through education and helping them build sustainable wealth through real estate. Ari's perspective would be especially valuable for conversations around real estate financing, mortgage strategies, market trends, and how entrepreneurs and investors can better position themselves to secure funding in today's environment. During the show we discuss: Why lending should be a strategy—not just a transaction How private money and equity-based lending can unlock deals faster than banks What makes a deal attractive to lenders (hint: it's not just credit) Why speed, flexibility, and execution matter more than chasing the lowest rate How to structure deals to reduce risk and increase approvals The biggest mistakes real estate investors make when seeking funding Why working with the right lending team can accelerate your entire portfolio growth How to transition from doing deals → building long-term wealth through lending + ownership You can explore more about Ari here: Website: www.pacificdirectmortgage.com LinkedIn: https://www.linkedin.com/in/aaradonawalker/

Atenția noastră s-a fragmentat și asta produce schimbări măsurabile în creier. În al doilea episod din seria Digital Wellbeing, Paul Olteanu și Adrian Dinu analizează mecanismele din spatele „minții împrăștiate" și explică ce putem face concret ca să ne recâștigăm atenția.Adrian Dinu este psiholog, trainer și speaker în echipa Mind Architect și a livrat programe despre stres, atenție și stare de bine. Împreună cu Paul, traduce cercetarea de neuroștiință într-un limbaj accesibil, fără alarmism și fără să demonizeze tehnologia. Ultima treime a episodului este dedicată strategiilor și acțiunilor concrete pe care le putem folosi pentru a ne recâștiga atenția.În acest episod am discutat despre:Mitul "multitasking": ce se întâmplă de fapt în creier și ce ne costă multitasking-ulImpactul notificărilor: cum și cât de tare ne afectează de fapt performanța cognitivăCele 4 rețele cerebrale și funcțiile cerebrale afectate de utilizarea problematică a social media și telefoanelor smartDe ce copiii și adolescenții sunt mai vulnerabili la aceste efecte negativeBugetul energetic și cum ni-l consumă rețelele sociale și telefoanele smartCele 3 pârghii pentru recâștigarea atenției: mediu, ritualuri de tranziție și refacerea bugetului11 acțiuni concrete pentru recâștigarea atenției la adulți și adolescențiResurse menționate în conversație:Cartea Attention Span, de Gloria MarkBook Espresso MA Premium despre Digital Minimalism, de Cal NewportCartea Digital Minimalism, de Cal NewportStudiul ISBRD 2026 — Fundația Vodafone, Save the Children, Ipsos - Copilărie Conectată: starea de bine și reziliența digitală a copiilor și tinerilor din EuropaCercetări: Rezultatele studiului Adolescent Brain Cognitive Development (ABCD) pe 11.000 de adolescențiCostul cognitiv al unei notificări Impactul pe termen lung al digital media asupra dezvoltării cerebrale la copiiImpactul neurocognitiv al folosirii social MediaAlterarea rețelelor cerebrale în folosirea problematică a social media și smartphones Impactul reducerii timpului petrecut pe smartphone"(00:00) Introducerea episodului""(02:51) Seria Digital Wellbeing și cele 4 'daune' ale lui Jonathan Haidt""(07:00) Mitul multitaskingului: de ce de fapt facem 'serial single tasking'""(10:25) Cărți despre atenție: Deep Work, Digital Minimalism, Stolen Focus""(12:13) Costul cognitiv și emoțional al notificărilor, chiar și dacă le ignorăm""(17:58) De la 2,5 minute la 47 de secunde: cât ne-a scăzut atenția și ce impact are""(20:39) De ce serialele se fac pentru 'al doilea ecran' și capcana conținutului scurt""(23:09) Ce fel de pauze luăm: distragere, refacerea atenției sau extra satisfacție""(30:02) Studiul Vodafone: cât de distrași sunt adolescenții și de ce sunt vulnerabili""(32:10) Ce se întâmplă în creier: unde cerebrale și efecte emoționale""(35:27) Cele 4 rețele cerebrale afectate de utilizarea problematică a telefoanelor""(41:40) Modificări structurale în creier: ACC, cerebel și studiile pe adolescenți""(46:53) Relația doză-răspuns: cu cât mai multă social media, cu atât mare efectul negativ""(51:51) Vestea bună: fragmentarea atenției e reversibilă""(54:00) Lisa Feldman Barrett și bugetul de energie""(58:41) Consecințele bugetului energetic golit: decizii proaste, fitil scurt și 'phubbing'""(01:05:48) Impactul tipului de conținut urmărit: durată scurtă vs lungă""(01:08:01) Cum ne recâștigăm atenția: 11 strategii în 3 categorii""(01:08:55) Strategii de mediu: distanță, fricțiune, grayscale""(01:13:44) Telefonul: briceag de buzunar, nu cazino portabil""(01:16:41) Ritualuri de tranziție: dimineața și mesele fără telefon ca ritual""(01:22:07) 'Slow media' și alegerea (mai) conștientă a conținutului urmărit""(01:27:23) Refacerea bugetului de energie: focus total, natură și meditație""(01:33:45) Blocarea timpului: intervale pentru focus, meditație sau rugăciune""(01:35:43) Recomandările lui Jonathan Haidt pentru părinți și tineri"

Articles mentioned in this podcast: 1) https://www.darkreading.com/application-security/fifa-bug-world-cup-streams-remote-takeover 2) https://www.bleepingcomputer.com/news/security/texas-govt-data-breach-exposes-over-3-million-drivers-licenses/ 3) https://www.wired.com/story/world-cup-scams-are-getting-harder-to-spot/ 4) https://www.cyberdefensemagazine.com/the-world-cup-is-here-and-so-are-the-cyber-risks/ 5) https://securityaffairs.com/193987/security/4300-outdated-routers-hijacked-in-stealthy-spy-infrastructure-by-arystinger-malware.html 6) https://www.infosecurity-magazine.com/news/hostile-states-cni-75-percent-ncsc/ Subscribe and share. Email questions, comments, thoughts to darren@thecyburguy.com  

In this episode, Jerry Larkowski shares his extensive experience in real estate, law, and investing, emphasizing the importance of local knowledge, relationship building, and strategic development in Arkansas. He discusses his approach to redevelopment, investment strategies, and the value of relationships in business growth.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Tired of paying for “more clicks” and getting zero real cases? In this episode, you'll hear how strategic market research, real social proof, and case-study-driven content can turn a law firm website into a revenue engine instead of a digital brochure.   In this episode, Steve Fretzin and Cooper Saunders discuss: The real goal of digital marketing for law firms (revenue, not clicks) Market research and choosing markets you can dominate Building targeted content around real client cases and questions Personalization, video, and human connection on law firm websites Social proof, reviews, and the “Dream 100” referral strategy   Key Takeaways: Marketing success for law firms starts with showing up where people are already searching for the exact services you provide, instead of broadcasting to everyone and hoping for the best.  Smart lawyers look for markets they can dominate, choosing niches and geographies with solid demand but manageable competition rather than jumping into oversaturated metro battles by default. Case-based content that walks through “this client, this problem, this solution, this outcome” is far more powerful than generic articles that could apply to anyone and no one at the same time. Prospects convert at a higher rate when they can see and hear the attorney: simple, honest video on an About page often beats polished but faceless branding. Social proof, including reviews, testimonials, and concrete case studies, is no longer optional; it's the proof skeptical clients need before deciding you're the right firm to trust.   "I think the market research goes into identifying a pond you can dominate, rather than being a minnow in an ocean or fighting an 800-pound gorilla." —  Cooper Saunders   Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again.   Join the Be That Lawyer Community and connect with ambitious lawyers who are serious about growing their book of business, strengthening their brand, and becoming confident, consistent rainmakers.   Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/   Thank you to our Sponsor! LEX Reception: https://www.lexreception.com/partners/bethatlawyer Rankings.io: https://rankings.io/ Lawyer.com: https://www.lawyer.com/   Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/   About Cooper Saunders: Cooper Saunders is the owner and founder of WiseGuys Digital Marketing, a Kansas City, Missouri-based agency specializing in SEO and Google Ads. Recognized as a business growth expert, he has authored three national bestselling books—including Quit Competing Start Dominating and Marketing Secrets of the Ultra Wealthy—and hosts The Growth Secrets Podcast. Under his leadership, WiseGuys Digital Marketing operates without year-long contracts and was named a Kansas City Chamber of Commerce Small Business Superstar for three consecutive years from 2021 through 2023.   Connect with Cooper Saunders:   Website: https://wiseguysdm.com/ LinkedIn: https://www.linkedin.com/in/coopersaunders/   Connect with Steve Fretzin: LinkedIn: Steve Fretzin Twitter: @stevefretzin Instagram: @fretzinsteve Facebook: Fretzin, Inc. Website: Fretzin.com Email: Steve@Fretzin.com Book: Legal Business Development Isn't Rocket Science and more! YouTube: Steve Fretzin Call Steve directly at 847-602-6911   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Smart Moves – Week 5The Smart Move to Avoid a Slacker Life (Proverbs 6:6–11)A life of purpose is rarely built through dramatic decisions. More often, it is shaped by daily choices, consistent effort, and faithful stewardship of what God has entrusted to us. In Proverbs 6, Solomon points to the ant as an example of wisdom, initiative, and preparation. As we learn to wake up, work diligently, and recognize that today's decisions shape tomorrow's reality, we discover that the smart move is to stop slacking and start living with purpose.

On this episode of Tip of the Ice-Burgh, Nick Belsky dives into the latest trade rumors connecting the Pittsburgh Penguins to defenseman Darnell Nurse and explains why Pittsburgh must proceed with caution. He also looks back on Parker Wotherspoon's impressive first season with the Penguins, discusses the return of Ron Francis to the organization, breaks down the fallout from the blockbuster Brady Tkachuk trade, and covers all the latest news from around the NHL -- tune in! Check out our latest episodes

The Morning XTRA with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! First thing to know: We should take Chuck Schumer at his word on Voter Rolls By The Numbers: The Democratic Party wants to vote their way in so we have to shoot our way out Tulsi exposes Fauci, and the media doesn’t even try to cover it up Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

Your hormones have seasons — and somewhere in my 40s, mine changed the rules on me. In this episode, I walk through the three things that actually shifted: how much my gut became the lever for everything (the estrobolome is real, and so is my new sensitivity to skipping fiber), why I didn't lose my grit but redirected it toward what I value, and how I supplement now — like maintaining a car with 200,000 beautiful miles on her. I frame the whole thing as a letter: what I'd say to my younger self, and what I hope my older self says back to me. The thread underneath all of it — a deposit now for a fuller withdrawal later.

What if the smartest legacy move isn't leaving your kids a pile of money someday, but using your wealth right now to help them buy time, build habits, and change their future while you're still here to watch it happen? We sit down with Allen Mueller of 7 Saturdays Financial for a practical, deeply useful conversation about gifting to family with intention. The thread running through all of it is simple: money is not just for accumulating. It's for strengthening the people and values you care about most. This episode covers: Why gifting during your lifetime can be more impactful than leaving a larger inheritance later The difference between a tax threshold and a paperwork threshold for gifts How the annual gift exclusion really works Why many retirees underspend and unintentionally miss chances to help family now Smart ways to fund kids' and grandkids' futures through 529s, custodial Roths, and brokerage accounts How to think about gifting for college, healthcare, and home down payments Why "skin in the game" still matters when helping younger family members How appreciated shares can be gifted downstream or upstream for tax advantages Why wisdom and stewardship matter more than simply transferring money How FI can turn parents and grandparents into real-time wealth builders for the next generation . === SUPPORT  THE  SHOW ===

Smart, Not Spoiled: The 7 Money Skills Kids Must Master Before Leaving the Nest by Chad Willardson https://www.amazon.com/dp/1544524250 Chadwillardson.com Two-thirds of American parents today think their children are spoiled. From toys and laptops to smartphones and cars, our kids have grown increasingly entitled in what they believe we should do for them. Kids may not appreciate the value of a dollar, but it's hard to blame them. After all, what have they learned about money? Managing finances is rarely covered in schools, and as a parent, you probably don't know where to start. How do you provide a strong foundation of financial knowledge for your kids with these gaps? What should they learn each year? How do you teach a skill set you never received yourself? In Smart, Not Spoiled, financial expert and bestselling author Chad Willardson provides you with practical tools, tips, and stories that will help you teach the kids in your life how to think about money. Chad explores the seven skills your kids should know—and master—before they're adults and helps you improve the financial literacy of everyone in your household. When it comes to financial success, you want your kids informed and prepared. This book is your chance to learn together so that the new path you forge for future generations is the right one. About the author Chad Willardson, CFF, CRPC, AWMA, is the President of Pacific Capital (a fiduciary wealth advisory firm he founded in 2011 that serves entrepreneurs and families) and ELEVATED (a coaching program for a select group of growth-focused entrepreneurs). He is the author of six best-selling books, creator of a new banking app that helps kids manage money, and Co-Host of The Smart Money Parenting Show, number 2 Podcast on Apple worldwide for Parenting, Kids & Family. Before founding Pacific Capital, he spent 9 years at Merrill Lynch, where he ranked in the top 2 percent of over 16,000 Financial Advisors nationally. In addition to serving the family office clients of Pacific Capital, Chad also manages the 650 million dollar investment portfolio as the elected City Treasurer in his community. Chad is recognized as one of the top wealth management experts in the country and has appeared in The Wall Street Journal, Forbes, Inc., NASDAQ, Yahoo Finance, U.S. News & World Report, InvestmentNews, Entrepreneur, and Financial Advisor Magazine. He lives in Southern California with his wife, Amber, and their five children.

Is your partner tracking you without your knowledge? In this episode of lovelustlaw, family law attorney and host Michele Locke sits down with cybersecurity and reputation-management expert Alan W. Silberberg of DigiJaks to explore the growing intersection of technology, privacy, and modern relationships. From digital stalking and spyware to online harassment and reputation attacks, Alan explains how everyday devices, including AirPods, smartphones, smart cars, and connected home technology, can be used to monitor, track, or gather information about unsuspecting individuals. The conversation examines common surveillance tactics, including malicious links, shared account access, Bluetooth and NFC-based threats, and deceptive techniques such as "evil twin" Wi-Fi networks. Michele and Alan also discuss practical steps listeners can take to protect themselves, including strengthening privacy settings, reviewing app permissions, disabling unused device features, and enabling two-factor authentication. Beyond personal security, they explore the challenges law enforcement and courts face when handling technology-driven cases, the rise of malware marketplaces and organized cybercrime, and the increasing role of AI in shaping online information and reputation. Key topics covered: Cyberstalking and digital surveillance AirTags, AirPods, and "Find My" tracking concerns Spyware, phishing links, and account compromise Bluetooth, NFC, and proximity-based threats Evil twin Wi-Fi networks and cybercriminal tactics Smart cars, connected devices, and privacy risks Digital forensics and reputation management Law enforcement and courtroom challenges in cyber cases AI-generated search results and online reputation Practical cybersecurity and privacy best practices Subscribe Here: Apple Podcasts: https://podcasts.apple.com/us/podcast/lovelustlaw/id1819843688  Spotify: https://open.spotify.com/show/6BEWXKOaEo8lfK554a5NqE  Amazon Music: https://music.amazon.com/podcasts/2789d9c8-b4ab-4b4a-847d-a469d89b1d0b/lovelustlaw  YouTube: https://www.youtube.com/@lovelustlaw  Want to reach out to me? You can email me at hello@michelelocke.com. Want to find out what I'm up to? Follow me on socials (linked below). Just remember Michele is spelled with one L and you can thank my mother Margo for that :) Links Michele Locke: https://www.michelelocke.com/ https://www.instagram.com/attorneymichelelocke/ https://www.tiktok.com/@attorneymichelelocke  https://www.linkedin.com/in/michele-locke/  https://www.youtube.com/@attorney-michelelocke  Alan Silberberg https://alanwsilberberg.com/  https://www.instagram.com/digijaks/  https://digijaks.com/  Security Software Recommendations  Delete Me - Today get 20% off your DeleteMe plan when you go to JoinDeleteMe.com/STALKING and use promo code STALKING at checkout https://simplisafe.com/ National Domestic Violence Hotline (24/7/365) Call 1.800.799.SAFE (7233) Text: START to 88788  https://www.thehotline.org/ https://www.facebook.com/NationalDomesticViolenceHotline https://www.instagram.com/NDVHofficial/ #cyberstalking #digitalstalking #cybersecurity #privacy #digitalprivacy #onlinesafety #spyware #stalkingawareness #stalking #onlineharassment #coercivecontrol #personalsafety #cybercrime #phishing #malware #identitytheft #digitalforensics #reputationmanagement #techsafety #cyberawareness #dataprivacy #internetsecurity #digitalsecurity #airtagtracking #locationtracking #digitalsurveillance #familylaw #relationshipsafety #podcastclips #lovelustlaw

Everyone inherited financial wisdom from somewhere -- a parent who clipped coupons at three different grocery stores, a first job, a financial guru, or just the culture you grew up in. Some of those beliefs serve you. Some of them quietly hold you back. Chris Hill of Money Unplugged joins Joe, Paula Pant, and OG to share the money habits they've had to unlearn -- and then the whole group plays a round of In or Out on some of personal finance's most popular rules.What You'll Walk Away WithWhy Paula's childhood coupon-clipping ritual wasn't really about frugality -- it was about an unstated belief that your time is worth nothing, and how that belief shapes everythingChris Hill's 20-year belief that dividend-paying stocks are for old people -- and the specific Apple moment in 2012 that finally broke itOG's admission that despite the math argument, he's never once seen someone actually execute the "invest the difference" 30-year vs. 15-year mortgage strategy in real lifeWhy "more money will fix this" is the belief most people never fully unlearn -- and OG's honest accounting of what he thought at $17,000, $170,000, and beyondThe In or Out verdict on five popular financial rules: everyone should own a home, pay off debt before investing, never carry a mortgage into retirement, you need a budget to build wealth, and whether financial independence is mostly behavior or mathPaula's anti-budget framework -- why it works when there's a wide enough gap between income and spending, and the one scenario where a real budget actually becomes necessaryChris Hill on why surrounding yourself with people who aren't impressed by your success might be the most underrated risk management tool in your financial lifeThe Isaac Newton problem applied to successful people: why brilliance in one area creates a false confidence in all areas -- and why guardrails matter more the more successful you getWhy OG argues that if the leverage-your-mortgage math truly worked reliably, you'd be using the same logic in your Schwab account -- and why almost nobody doesWhat Melissa from Detroit did this week that every Stacker listening should know aboutWhy This Matters NowThe most expensive financial decisions are often the ones you've never questioned because someone you trusted taught them to you early. This episode is the permission slip to stress-test those beliefs.From the BasementChris Hill joins Joe, Paula Pant, and OG to dig into the money habits and inherited beliefs they've each had to unlearn -- before the whole group debates whether five of personal finance's most popular rules actually survive contact with real life. Doug arrives with Lou Gehrig trivia and makes everyone do inflation math from 1939. Chris plays for Team Jesse Cramer. The gap between first and second place closes considerably.Resources MentionedMoney Unplugged podcast -- Chris Hill; recent episodes featuring Joe Saul-Sehy and Paula Pant; available wherever you listen to podcastsAfford Anything podcast -- Paula Pant; upcoming episode on how to think through business decisions with a Harvard professor and longtime practitionerSurfshark VPN -- surfshark.com/stackingb; code stackingbee for four extra monthsStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Eugene Lipov is a pioneering psycho-biologist who developed a rapid and highly effective treatment for PTSD called SGB. He advocates for the dangers of social media from a biological perspective. Top 3 Value Bombs 1. Smartphones and social media platforms are engineered to trigger dopamine loops that disrupt sleep, increase inflammation, and negatively impact mental health. 2. "Bricking" your phone or removing addictive features can significantly reduce anxiety, improve sleep, and restore focus. 3. Memes and digital content don't just influence thoughts; they can trigger biological changes in the body that contribute to depression and even suicidal behavior. Visit Dr. Eugene's website to learn more about his services - Dr. Eugene Lipov Website Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. 50 Days - Join JLD on his free '50 Days to Something' video series on YouTube and create something special in 50 days.