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Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Most agency owners say they want to sell someday… but they're building something completely unsellable. The mistake? Not only a lack of a clear vision for the future of their agency, but also a lack of understanding of what they'll need to build a sellable agency. If you're an agency owner planning to sell one day, do you understand what buyers are usually looking for? Do you know which type of buyer you're hoping to attract? Today's featured guest understands that most agencies are acquired by private equity and built the private equity partner he felt was missing in the space. He'll talk about what actually drives valuation, what kills deals, and how to build an agency that buyers want to compete for. Ben Gaddis is the former founder of T3, a digital agency he sold to private equity in 2019. After going through multiple acquisitions himself, he now runs an operator-led private equity firm focused exclusively on tech-enabled service and agency businesses. As a former owner who's been on both sides of the table, he knows exactly what buyers are thinking. In this episode, we'll discuss: What are private equity companies looking for in agencies? Recurring revenue vs. retention What would actually increase your agency's valuation? If the goal is talent, should you consider an acquisition? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Toggl: Most agencies are losing 15–30% of their profit every year: lack of time tracking, messy manual timesheets, scope creep, untracked revisions, and all those "quick" client requests that never get billed. Toggl has created a fast, interactive way to uncover exactly where your margins are leaking. Start your investigation now at toggl.com/smartagency and use the code SMARTAGENCY10 at checkout for a 10% off annual plans. What Private Equity Actually Looks For (It's Not What You Think) The reality is that most private equity companies are looking to buy a couple of agencies to slam them together and eventually sell them for more. Based on this, agency owners have an idea of what these buyers want and mostly focus on revenue or EBITDA. According to Ben, however, buyers are looking at a few core things first: Client concentration Recurring or predictable revenue Net revenue retention Founder dependency (aka key-person risk) Clear vision and differentiation Let's start with client concentration. A lot of owners panic if one client makes up 20% of revenue. Some PE firms get nervous at 10%. But Ben brings nuance here. If you've landed and retained a $2–3M client for years, that's proof you can serve at a high level. That's powerful. The issue isn't just one big client. It's when your top 3–5 clients make up 50–60% of revenue. That's where it gets risky. If you're in that position, you already feel it. One bad email. One procurement shift. One budget freeze. And your stomach drops. That's not a valuation problem. That's a freedom problem. Recurring Revenue vs. Retention (The Smarter Metric) Everyone argues about contracts. "Should I lock clients into 12 months?" "Should we go month-to-month?" Ben argues that the real metric is net revenue retention. If you're at 90–100%+ retention, buyers don't care as much about contract length. He shared a case where they bought a company with almost zero recurring revenue but 115% net revenue retention. Clients kept buying more. The business was healthy. The packaging just needed to change. This is huge for agencies stuck in custom project hell. Sometimes it's not your service. It's how you position and sell it. Are you framing projects as standalone deliverables or as phases in a longer journey? If you're stuck working in the business and scrambling for the next sale, this is where to look first. Integration > Financial Engineering There are two types of buyers: Financial engineers smashing agencies together to increase multiples Operator-led firms building real integrated offerings Ben sees a lot of "fake integration." Agencies get acquired, but nothing truly connects. No shared systems. No real cross-sell. No operational synergy. Sophisticated buyers see through that immediately. What actually increases valuation? Additive capability. Does one service naturally lead to another? Does it solve a deeper problem for the same buyer? Does it expand wallet share within the same account? If you're thinking about acquisitions, don't buy revenue. Buy strategic fit. Otherwise, you're just running two companies under one logo. Growing Through Acquisition (And When Not To) A lot of 7-figure agency owners hit a wall where they can't hire fast enough and start to feel overwhelmed. The team depends on them. Growth feels capped. So they think: "Maybe I should acquire" and figure they should start small, as it seems easier than going through a big acquisition. Buying a bigger company or doing a merger of equals is certainly complicated in terms of defining who's in charge and which brand should remain. So, it should be a very complementary offer with a clear leader for it to make sense. This would be much clearer when buying a smaller business. However, here's the thing: Small acquisitions are just as hard as big ones. The legal, the integration, the emotional complexity, it's all real. If you've never done one before, the odds of it going smoothly are low. If the goal is talent… why not build offshore first? With AI and real-time translation tools, the global talent pool is radically more accessible than it was even five years ago. A lot of agency owners avoid offshore because it failed before. But the game has changed. If your bottleneck is hiring, you might not need to buy an agency. You might need to rethink your talent strategy. How to Prepare for a Sale (Even If You're Not Selling) This is where most deals fall apart, and Ben believes it's important for owners to try to cover any gaps in knowledge. Try to learn as much as you can about the process and the buyer to better understand their expectations. And if you still have questions, then don't hesitate to ask! Some aspects that owners may not understand and that you should start learning about: Working capital expectations Accrual vs. cash accounting Quality of Earnings (QofE) reviews Data cleanliness Revenue tagging Furthermore, Ben recommends something most owners never do: Run your own QofE before going to market. Know your skeletons. Track secured revenue. At the start of each year, how much revenue is already locked in? If that number consistently grows year over year, that's powerful. Buyers will ask about revenue by capability, revenue by sales rep, revenue by region, and client concentration by top 3/5/10. If your data is messy, you lose leverage. And if you're thinking, "I'll figure that out when I'm ready to sell," you're already behind. Vision Is the Real Multiplier Right now, Ben is seeing a lack of vision + execution alignment. AI is reshaping agency models in real time. Entire categories of services didn't exist a few months ago. The agencies that win won't just be efficient. They'll have a tight, clear, communicated vision. Agencies won't scale just because of a tactic. They'll scale because the vision was clear enough that the team could make decisions without the owner. If your team can't make decisions without you, that's not a people problem. That's a vision problem. And that's also why you're still stuck in fulfillment. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Artificial intelligence is rapidly transforming the consumer financial services industry. From underwriting and fraud detection to customer engagement and collections, financial institutions are increasingly deploying advanced AI tools to automate processes, personalize services, and improve operational efficiency. We are releasing today, on our Consumer Finance Monitor Podcast show, a discussion of what may be the next major technological shift for the industry: Agentic AI in Consumer Financial Services — AI systems capable of acting autonomously, making decisions, and interacting directly with consumers. The discussion featured Professor Oren Bar-Gill of New York University School of Law, along with Ballard Spahr partners Joseph Schuster and Adam Maarec.  The discussion was hosted by Alan Kaplinsky, the founder and practice group leader for 25 years of the Consumer Financial Services Group and now Senior Counsel. The panel examined how agentic AI differs from earlier forms of automation, the benefits it offers financial institutions and consumers, and the significant legal and regulatory risks it may create. Below are the key takeaways from the discussion. What Is Agentic AI? Agentic AI refers to AI systems that can independently take actions on behalf of users or organizations. Unlike traditional automation, which performs predefined tasks, or generative AI, which primarily produces content, agentic AI systems can: ·                 Make autonomous decisions ·                 Interact directly with consumers ·                 Initiate actions such as transactions or communications ·                 Learn from prior interactions In financial services, these systems may soon conduct customer service interactions, initiate collections calls, execute payments, or manage purchasing tasks for consumers. While these capabilities promise major efficiencies, they also raise complex legal questions regarding accountability, fairness, and consumer protection. Understanding AI-Driven Consumer Harm Professor Bar-Gill framed the discussion by examining potential consumer harms associated with AI-powered decision-making. Drawing on his recent book with Cass Sunstein, Algorithmic Harm: Protecting People in the Age of Artificial Intelligence, he explained that the impact of AI depends largely on the type of market in which it operates.  The book is available on Amazon here. Sophisticated vs. Unsophisticated Markets Bar-Gill distinguishes between: ·                 Sophisticated markets, where consumers are generally able to make informed decisions ·                 Unsophisticated markets, where consumers are more likely to misunderstand complex products In sophisticated markets, AI-driven personalization, such as individualized pricing, can increase efficiency and expand access to products by offering lower prices to consumers with lower willingness to pay. In contrast, in markets involving complex financial products, such as credit cards, mortgages, or insurance, AI-powered personalization may harm consumers who misjudge product costs or benefits. For example, if a consumer mistakenly overestimates the value of a financial product, an AI system may set the price just below that mistaken valuation, leading the consumer to pay more than the product is actually worth. Algorithmic Price Discrimination One area of growing concern is AI-enabled price discrimination, where algorithms tailor prices to each consumer's willingness to pay. Examples cited during the discussion included: ·                 Airlines experimenting with AI-based pricing strategies ·                 Online retail platforms offering individualized prices for identical products ·                 Insurance companies using algorithms to optimize premiums While pricing based on individual risk, such as in insurance underwriting, is widely accepted, pricing based on willingness to pay raises significant consumer protection concerns. As these practices expand, they are likely to attract increased attention from regulators and lawmakers, particularly at the state level. AI Use Cases in Consumer Finance The panel also highlighted several areas where AI is already being deployed across the consumer financial services lifecycle. Marketing and Customer Acquisition Financial institutions are using AI to analyze large data sets and create highly personalized marketing campaigns. Large language models can generate customized messaging tailored to specific demographic groups or individual consumers. While this personalization improves targeting and engagement, it also creates compliance challenges related to: ·                 Misleading advertising ·                 Disclosure requirements ·                 Potential discriminatory targeting Underwriting and Credit Decisions AI-driven underwriting tools allow lenders to analyze alternative data, such as cash-flow information, to assess creditworthiness. These tools may expand access to credit for consumers who previously lacked traditional credit histories. However, they also raise fair lending concerns under laws such as the Equal Credit Opportunity Act and its implementing regulation, Regulation B. Because many AI models operate as "black boxes," institutions may struggle to explain how decisions are made, an issue that can complicate discrimination analyses and regulatory oversight. Fraud Detection AI is particularly powerful in fraud detection, where pattern recognition is essential. Advanced models can analyze transaction behavior in real time to identify suspicious activity while minimizing unnecessary transaction declines. These tools also allow financial institutions to communicate with customers instantly, confirming transactions or investigating suspicious activity through automated interactions. Servicing and Collections Agentic AI may soon conduct both inbound and outbound customer interactions, including: ·                 Customer service conversations ·                 Dispute resolution ·                 Collections calls In some cases, AI-driven voice systems can conduct conversations that are indistinguishable from human interactions. While this technology may improve efficiency and reduce costs, it raises legal concerns about consumer deception, harassment, and compliance with debt collection laws. Core Legal Risks Despite the novelty of the technology, many of the key legal risks arise from existing laws, not new AI-specific statutes. Liability for AI Actions As Joseph Schuster emphasized, AI is a tool, not a liability shield. Institutions remain responsible for the actions of AI systems just as they would for the actions of employees or third-party vendors. Traditional legal doctrines, including agency law, vicarious liability, and unfair or deceptive acts or practices, continue to apply. UDAP Risks AI systems interacting with consumers may create risks under federal and state UDAP laws if they: ·                 Provide inaccurate information ("hallucinations") ·                 Fail to deliver required disclosures ·                 Exhibit overconfidence in uncertain responses ·                 Engage in manipulative behavioral targeting. Fair Lending and Discrimination AI models can unintentionally produce discriminatory outcomes, even when protected characteristics are not used as inputs. As Professor Bar-Gill noted, future litigation may increasingly focus on disparate impact analysis, which examines whether outcomes disproportionately affect protected classes regardless of the model's internal logic. Governance and Risk Management Given these risks, institutions are increasingly adopting governance frameworks for AI deployment. Common practices include: ·                 AI governance committees with cross-functional participation ·                 Model inventories and risk-tiering systems ·                 Vendor due diligence for AI providers ·                 Data mapping and validation processes ·                 Continuous monitoring of AI outputs. Financial regulators are already asking supervised institutions detailed questions about how AI is being used. Institutions that implement structured governance processes are better positioned to respond to these inquiries. The Rise of Agentic Commerce One emerging application of agentic AI involves autonomous purchasing. For example, a consumer might instruct an AI assistant to plan and purchase supplies for a birthday party. The AI would then select vendors, place orders, and initiate payments using the consumer's stored payment credentials. But what happens if AI makes a mistake, such as ordering supplies for 1,000 guests instead of 10? Such scenarios raise difficult questions involving: ·                 consumer authorization ·                 merchant liability ·                 payment network rules ·                 dispute resolution These issues are only beginning to receive attention from regulators and industry participants. Key Takeaways for Financial Institutions The panel concluded with several recommendations for institutions exploring AI deployment. First, distinguish beneficial uses from harmful ones. AI can deliver significant consumer benefits, but firms must remain vigilant about potential misuse or unintended harm. Second, prioritize governance. Robust policies, oversight structures, and risk management processes are essential. Third, remember that existing laws still apply. AI systems must comply with the same consumer protection, fair lending, and disclosure requirements that govern traditional processes. Finally, institutions must recognize that failing to adopt AI also carries risks. As fraudsters increasingly deploy advanced technology, financial institutions may need AI tools simply to keep pace. As AI technology continues to evolve, the legal framework governing its use in financial services will also develop. For now, however, the most important lesson is that innovation must proceed hand-in-hand with careful legal and compliance oversight. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

These are Iran Conditions !! ... Listen To Find Out!! Watch the full episode here: www.youtube.com/watch?v=jxJhRFI54IQ&t=390s Official Website: www.francesfox.com Follow in: Facebook: / francesfoxreveals TikTok: / francesfoxreveals Instagram: Mantrista Movement PODCASTS - FRANCES FOX: NEWS FROM OTHER DIMENSIONS Apple Podcasts: apple.co/3klq8Gm Spotify: open.spotify.com/show/2p6YmyDHa4c…e8752b40f6304c16 Stitcher: bit.ly/ffstitcher

These are Iran Conditions !! ... Listen To Find Out!! Watch the full episode here: www.youtube.com/watch?v=jxJhRFI54IQ&t=390s Official Website: www.francesfox.com Follow in: Facebook: / francesfoxreveals TikTok: / francesfoxreveals Instagram: Mantrista Movement PODCASTS - FRANCES FOX: NEWS FROM OTHER DIMENSIONS Apple Podcasts: apple.co/3klq8Gm Spotify: open.spotify.com/show/2p6YmyDHa4c…e8752b40f6304c16 Stitcher: bit.ly/ffstitcher

Send a textIndependent Artist: King Shampz - Sophisticated Hustlers Links: https://rebrand.ly/52t2iwaSocialsHosts: Peter Cabral: www.instagram.com/brisbane_north_photography/Nick Cabral: www.instagram.com/nickcabral37/Producer: Darryn Arndt: www.instagram.com/darrynarndt/Theme song: Braden Mutch: www.instagram.com/braden_mutch/Instagram:  www.instagram.com/justhitplaypodcast/Facebook: www.facebook.com/JusthitplaypodcastEmail: justhitplay7300@gmail.comwww.youtube.com/@justhitplaypodcastwww.instagram.com/justhitplaypodcast/

Nuclear fuel is nothing like the coal or gas it replaces. Where fossil fuels are destroyed in combustion, nuclear fuel must survive years of continuous fission inside a reactor and come out the other end looking almost exactly as it went in. In this episode, fuel engineer Michael Seely breaks down how uranium dioxide pellets are made, why the fuel rod is one of the most sophisticated manufactured objects in the world, and how an industry that once ran more than half its fleet on leaking fuel pins methodically engineered its way to near-zero failure rates by 2010.We also get into enrichment economics, the bespoke nature of reactor fuel design, the post-Fukushima push toward accident-tolerant and higher-burnup LEU Plus fuel, and why high-assay low-enriched uranium (HALEU), the feedstock required by most advanced reactor concepts, requires 40 kilograms of natural uranium and six times the separative work of conventional fuel just to produce a single kilogram. If you want to understand why nuclear plants are built the way they are, why the water cooled reactor won, and what the fuel supply chain challenge really means for the advanced reactor industry, this is the episode to start with.Listen to Decouple on:• Spotify: https://open.spotify.com/show/6PNr3ml8nEQotWWavE9kQz• Apple Podcasts: https://podcasts.apple.com/us/podcast/decouple/id1516526694?uo=4• Overcast: https://overcast.fm/itunes1516526694/decouple• Pocket Casts: https://pca.st/ehbfrn44• RSS: https://anchor.fm/s/23775178/podcast/rssWebsite: https://www.decouple.media

This week, Taylor, Sandy and Taddea Richard discuss Paul Dano's face, Matthew McConaughey's AI revelation, Gordon Brown's dossier, the death of Grandma Gu and much, much more!

"When Suse goes "that's funny", you know what you've just said is not funny" - Luttsy Listen live on the Nova Player. Follow us on Facebook, Instagram & TikTokSee omnystudio.com/listener for privacy information.

Since the concept of artificial intelligence became publicized, many in the tech sector have made wide-sweeping claims of what AI will be able to do one day, including curing cancer. Much of this hype has been tied to the potential of AI agents, an autonomous system/software meant to achieve comprehensive tasks like writing reliable, complex code in days, as opposed to weeks. Given how reliant white-collar work, including tech jobs, is on real people, it’s still quite difficult to sift through what is likely to be changing soon and how it’ll impact each job’s workflow. Helping us to get into the current status of AI agents is Lila Shroff, assistant editor for The Atlantic, and Jessica Ji, senior research analyst with the Center for Security and Emerging Technology at Georgetown University.

What to know about the killing of the powerful cartel leader ‘El Mencho’ in Mexico (0:30) What was it like growing up in an apartment in LA? (16:49) What does California’s TK system mean for private preschools? (48:03) Has AI become sophisticated enough to perform tasks on its own? (1:06:53) SoCal History: How a desert race ignited a contentious debate (1:21:39) Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency

Spend an hour this weekend with one of the kindest and most generous people — an accomplished investor and a truly remarkable mind (Original Release: Jan 30, 2023).Guy Spier is a good friend, an inspiration, and one of Talking Billions' earliest guests. He is the Zurich-based founder of the Aquamarine Fund, author of The Education of a Value Investor, and host of VALUEx — a wonderful gathering of like-minded investors. He is also the man who famously paid $650,000 alongside Mohnish Pabrai to have a charity lunch with Warren Buffett.5 Biggest Ideas from the Episode1. It's not the fastest skier who wins — it's the fastest who doesn't get injured. Drawing from Luca Dellanna's work on ergodicity, Guy makes a powerful case for survival over speed. If you're eliminated early, you miss all the remaining races. As he put it: "If you want to be really smart about it, you're going to race in a way that will ensure that you get down without injury."2. Losing it all is the ultimate failure — and it's always avoidable. If you're in the business of preserving wealth, losing the capital base means being forced back to selling your time. Sophisticated people repeatedly make this mistake — from LTCM to FTX — and it never had to happen.3. Your social environment shapes your investing more than your physical one. Who you spend time with changes how you think and behave — and investing is no exception. Attending Berkshire meetings for 25 years wasn't just education; it was deliberately engineering a network that reinforces long-term compounding thinking.4. Investing is like planting vineyards — not all vintages will be fantastic, but you'll always have wine to drink. Guy's philosophy for navigating inevitable down years: plant the best vines you can, then let the seasons do what seasons do. His response to complaining investors: "What am I supposed to do? Jump up and down and yell at the sun?"5. Success is not a number — it's who shows up at your funeral. Guy stopped tracking his net worth spreadsheet years ago and never looked back. His definition of success: dying with many people who are genuinely glad he existed — not optimizing himself into a narrower version of Warren Buffett.Podcast Program – Disclosure StatementBlue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Border Drone Threats, USMCA, and Venezuela. Evan Ellis discusses the closure of El Paso's airspace due to sophisticated cartel drones. He also highlights the critical necessity of renegotiating the USMCA to preserve Mexico'seconomy and cooperative security posture. Finally, he notes a surprising US military delegation visit to negotiate with Venezuela's Maduro regime. #71918 BELLEAU WOOD

On this episode of Zen and the Art of Real Estate Investing, Jonathan Greene interviews Ashley Garner, founder of ABG & Associates and a multifamily investor with more than three decades of experience. Ashley shares how growing up renovating college rentals with his banker father shaped his long-term mindset and ultimately led him to scale from small single-family properties to hundreds of apartment units across North Carolina. Ashley reflects on the transition from hands-on landlord to operator and capital raiser, explaining why scaling required him to let go of control and trust professional property management. He discusses the importance of communication systems, standardized processes, and focusing geographically to build operational leverage. The conversation also explores syndication, raising capital through relationships, and how cost segregation and bonus depreciation can dramatically enhance investor returns. Throughout the episode, Jonathan and Ashley return to a central theme: real estate is a long game. Whether it's holding properties for decades to fund long-term care, prioritizing clean and safe housing for tenants, or building trust with investors, sustainable success comes from discipline, patience, and strong relationships. In this episode, you will hear: How Ashley's early exposure to college rentals shaped his investing philosophy Why scaling required letting go of hands-on management The importance of structured communication with property managers How focusing on one state can create operational and investor advantages The mindset shift from "asking for money" to offering opportunity through syndication How cost segregation and bonus depreciation can significantly boost investor returns Follow and Review If you enjoy the show, please follow Zen and the Art of Real Estate Investing on Apple Podcasts and leave a rating and review. It helps other listeners discover these conversations and supports the show's growth. Supporting Resources Connect with Ashley: Website: http://www.abgmultifamily.com/  Youtube: http://www.youtube.com/@abgmultifamily  Facebook: http://facebook.com/ABGRealEstate  Instagram: http://instagram.com/abgrealestate  LinkedIn: https://www.linkedin.com/in/ashleybgarner/  X: http://twitter.com/ABGRealEstate  Connect with Jonathan: Website - www.streamlined.properties  YouTube - www.youtube.com/c/JonathanGreeneRE/videos  Instagram - www.instagram.com/trustgreene  Instagram - www.instagram.com/streamlinedproperties    Zillow - www.zillow.com/profile/streamlinen​j Bigger Pockets -  www.biggerpockets.com/users/jonathangreene Facebook - www.facebook.com/streamlinedproperties  Email - info@streamlined.properties   This episode was produced by Outlier Audio.

“If 2025 taught us anything, it's that uncertainty rewards those with Non Negotiable Criteria and A Repeatable system. “In this episode, I want to go over :5 RULES that will form the foundation for your breakthrough in 2026 —no matter what the economy does.How to prioritize downside protection The one thing Sophisticated investors are doing differentlyYour biggest Lever for momentum in 2026

Jason and Laura Phillips discuss the concept and mechanics of reverse mortgages, including different funding options and how they operate similarly to life insurance. They explore the history and current state of the reverse mortgage industry, noting its long-standing presence and the various ways seniors utilize these funds to access home equity. Laura gives detailed explanations about different loan types, interest rates, and the importance of working with a specialized reverse mortgage professional, emphasizing careful consideration of the product's implications. Contact Laura at https://LauraPhillips.com/ This May, become an Empowered Investor. Join Jason and his team as they empower you to gain control of your financial future and create wealth. Get your tickets at https://EmpoweredInvestorLive.com/ today! Key Takeaways: 0:00 What is a reverse mortgage 7:01 Terms of a reverse mortgage 12:49 It is a financial tool 15:35 Who are the investors   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

6..  Guest: Hampton Sides. Cook unexpectedly discovers the Hawaiian Islands, landing at Kauai. He is amazed by the sophisticated agriculture and aqueducts but stays briefly, rushing toward the Arctic. This first contact is mutual puzzlement; locals view the British as "volcano people" due to their smoking, while Cook worries about transmitting disease.

Bill Roggio and Caleb Weiss of the Long War Journal discuss a sophisticated Islamic State drone attack on an airfield in Niger, highlighting security failures by the Russian Africa Corps that replaced US forces.1949 NIGERIA

In the second training of #PostToProfits, Jill dives deep into niching down and the power of storytelling to attract ideal clients. There's a critical misconception that the coaching space isn't becoming too saturated—truthfully it's becoming more sophisticated, meaning clients now have more choices and can find the exact right coach for their specific problem. This makes niching down even more essential in 2026. Along with understanding your niche, you'll need to understand how their ideal client thinks, not just their age or income. The key is knowing both the "before picture"—current struggles, unwanted experiences, inner dialogue—and the "after picture"—desired outcomes, new identity, and how they want to live. If you can articulate how someone feels even better than they can, they automatically assume you have a solution… and of course, you do!   Join Jill for the rest of #PostsToProfits live! https://jillfitfree.com/posts-to-profits-2026/   Download the slides for #PostsToProfits here! https://www.jillfitprograms.com/the-posttoprofits-recordings-2026   Jill is a fitness professional and business coach who effectively made the transition from training clients in person and having no time to build anything else to training clients online and actually being more successful. Today, Jill helps other coaches to do the same.   Connect with me! Instagram: @jillfit | @fitbizu Facebook: @jillfit Website: jillfit.com

Is Waiting for "Ready" Just a Slow Way of Dying?We often treat "preparation" as a virtue, but more often than not, it is a sophisticated lie we tell ourselves to avoid the discomfort of moving forward. Kent and Caanan explore why clarity is usually the result of action rather than a prerequisite for it. If you have been waiting for the stars to align or for one more certification before starting your project, this conversation is the nudge you need to stop waiting for a target that is always moving.From the geographical gatekeeping of "who can say they live in Seattle" to the paralyzing "panopticon" of social media where every mistake feels like potential viral bait, this episode tackles the modern obsession with perfection. Whether you are navigating corporate layoffs or just trying to start a creative habit, learn how to trade the elusive "perfect" for a messy, necessary start. CHAPTERS:(00:00) The lie of preparation(00:52) Mind Share: Geography, gatekeeping, and saying you're from Seattle(04:32) Spark: Responding to a creative project stuck in limbo for three years(07:34) The Perfection Trap: Gay community standards and the "Wayback Machine"(10:42) Moving through the cycle of constant crises(14:14) The New World Order: Handling the fear of tech layoffs and career stagnation(17:52) Three practical tips to move past perfection(23:43) Sandbox budgets and the power of a "Hype Person"(26:41) Worth the Time: Paper Girl by Beth Macy KEY TAKEAWAYS:• The B-Minus Rule: Commit to finishing a task with "good enough" quality to break the cycle of overthinking.• Messy Progress: Use a 15-minute timer to create the "ugly version" of your idea just to get the gears turning.• Fear-Basing: Ask yourself what the actual worst-case scenario is. Usually, it is a bruised ego, not a total disaster.• Ready is a Myth: Clarity happens after you move, not before. RESOURCES MENTIONED:• Strengths and Personality Assessments: https://novacationrequired.com/• Paper Girl by Beth Macy SUPPORT NO VACATION REQUIRED:If this episode helped you take a messy first step, please leave a review on Spotify or Apple Podcasts! It is the best way to help our message reach more people.• Subscribe: Never miss an episode by hitting the follow button on Spotify or Apple Podcasts• Check out our website: https://novacationrequired.com/services• Read our book: https://novacationrequired.com/book• Follow us on Instagram: https://www.instagram.com/novacationrequired/

Think your drinking habits are a matter of discipline? Victoria English reveals they may actually be a result of sophisticated influence. Discover how Big Alcohol spends billions to frame a Class 1 carcinogen as a tool for "sophistication" and "wellness." Learn the science of the "neurochemical rebound", how alcohol doesn't relax you, but sedates you before triggering a spike in cortisol and glutamate. This episode breaks down the truth behind modern meta-analyses that debunk "heart-healthy" myths, inviting you to trade industry-backed ambiguity for the data-driven clarity of an alcohol-free lifestyle.   Download my FREE guide: The Alcohol Freedom Formula For Over 30s Entrepreneurs & High Performers: https://social.alcoholfreelifestyle.com/podcast ★ - Learn more about Project 90: www.alcoholfreelifestyle.com/Project90 ★ - (Accountability & Support) Speak verbally to a certified Alcohol-Free Lifestyle coach to see if, or how, we could support you having a better relationship with alcohol: https://www.alcoholfreelifestyle.com/schedule ★ - The wait is over – My new book "CLEAR" is now available. Get your copy here: https://www.alcoholfreelifestyle.com/clear

Maxima is building AI agents that automate enterprise accounting while maintaining the auditability and control standards finance teams require. In a recent episode of BUILDERS, we sat down with Yogi Goel, CEO and Co-Founder of Maxima, to explore his eight-year journey at Rubrik from Series C through IPO, and how those lessons shaped his approach to solving the 70-80% of finance time currently wasted on manual work. Topics Discussed: Why Rubrik's approach—entering stagnant markets with first-principles thinking—became Maxima's blueprint Securing $3K-$5K POC commitments from Figma mockups before writing code Why Scale AI and Rippling rejected a point solution and demanded 3-4 modules from day one The compound startup model: building multiple products simultaneously to meet buyer expectations How 17% of CFOs are adopting AI tools today (vs 51% in software development) Why finance teams view AI agents as "digital college freshmen" who need proof of work Hiring from YouTube Studios, Apple, and Robinhood instead of legacy finance software companies How NetSuite World conference booth sizes revealed the data integration infrastructure gap The $3K-$5K validation threshold that proved finance pain was urgent enough to pay pre-product GTM Lessons For B2B Founders: Demand generation unlocks engineering potential: Yogi learned from his Rubrik mentors: "focus on demand and if you have great engineers then they will solve the problems." Maxima built products in 2-3 months they didn't initially know were technically feasible—because customer demand pulled the engineering team forward. For founders with strong technical teams, customer demand should drive the roadmap, not engineering's comfort zone. Trust your engineers to solve hard problems when customers are waiting. $3K-$5K is the pre-product validation threshold: Before writing any code, Yogi secured POC commitments at this price point based solely on Figma mockups. This isn't about revenue—it's about proving urgency. Verbal interest means nothing. Small pilot commitments mean "we'll try it someday." But $3K-$5K pre-product means "this problem is urgent enough to pay before seeing a working solution." Use this threshold to separate real pain from polite interest. Sophisticated buyers will reject your narrow MVP: Scale AI and Rippling told Maxima explicitly: "If you will only build this one thing, we will not buy. You have to commit to building three, four modules." Conventional wisdom says start narrow, but enterprise buyers with complex workflows won't adopt point solutions that create new integration headaches. When sophisticated buyers articulate their real buying criteria, ignore the startup playbook. Yogi built a "compound startup" with 4-5 modules from day one because that's what the market demanded. Target acute pain over easy access: Early-stage companies (10-30 people) were easier to reach but finance wasn't urgent enough. At that scale, it's "build product, ship product"—finance operations aren't broken enough to warrant urgent attention. Companies at 500-1,000+ employees have finance teams drowning in manual work that prevents strategic contribution. Target where pain justifies urgent action and budget exists, not where calendar access is easiest. Hire intensity and first-principles thinking over domain knowledge: Maxima deliberately hired zero engineers from legacy finance software companies. Their frontend engineer came from YouTube Studios. Others came from Apple, Robinhood, Netflix—none with financial product experience. Yogi's three hiring criteria: "incredible intensity, huge confidence in themselves, and fast thinking mode." Domain expertise creates pattern-matching to old solutions. First-principles thinking creates breakthrough products. One team member didn't finish high school but is "one of the best out there." Make AI explainable or finance teams won't adopt: Finance teams adopted faster than expected because Maxima showed every calculation step. "If they can prove by looking at the Math, you know, 18 plus 88 plus 36 is X. And I can see the step of the work, they are willing to give it to them." This isn't about fancy UX—it's about auditor-grade proof of work. Finance professionals won't trust black box outputs. Build transparency into the product architecture, not as an afterthought. This explainability became Maxima's competitive moat. Conference booth sizes reveal infrastructure gaps: At NetSuite World, the largest booths weren't ERP vendors or payment processors—they were data integration companies. This single observation validated that enterprises are desperately solving data fragmentation problems. Companies manually download from Stripe, Snowflake, Salesforce weekly to build Excel pivots. Maxima invested in upstream integrations as core infrastructure from day one. Use industry conferences to validate where companies are spending money on workarounds—that's where infrastructure gaps exist. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

This week, learn how to protect yourself from scams that quietly destroy returns and credibility in multifamily investing. You'll explore real-world examples involving questionable wholesalers, unethical contractors, property management fraud, tenant scams, and misleading coaching programs, along with practical safeguards you can put in place. The core message is simple: the fastest way to lose money in multifamily isn't market cycles, it's trusting the wrong people.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Focus first on not losing money before trying to maximize returns Learn how to spot red flags when evaluating wholesalers and off-market deals Understand common contractor and subcontractor fraud risks Protect yourself from property management and tenant-related scams Ask better questions before paying for coaching or education     Topics Why Avoiding Scams Matters More Than Chasing Returns Investing success starts with capital preservation Scams exist in every industry, including real estate Sophisticated scammers actively target investors Wholesalers and False Deal Control Difference between legitimate wholesalers and bad actors Red flags like proof-of-funds requests before sharing financials Risks of marketing deals without legal authority or contracts How fake deal control can blow up transactions Contractors and Construction Fraud Distinguishing poor operations from intentional scams Theft through inflated invoices, material misuse, or diverted funds Real-world example of unpaid subcontractors and liens Importance of lien waivers and payment controls Property Management Fraud and Internal Theft Risks when managers have unchecked financial access Examples of missing rent payments and stolen deposits Limiting account access and enforcing approval thresholds Eliminating cash payments to ensure transparency Rental Listing and Tenant Scams Fake listings used to steal security deposits Rent prices that are "too good to be true" Tenant fraud through false employment or income verification Overpayment and bad-check refund schemes Coaching, Mentoring, and Education Red Flags Difference between bad outcomes and actual scams Bait-and-switch seminar tactics Importance of knowing who your coach actually is Evaluating deliverables, experience, and risk mitigation Distinction between mentoring (process-based) and coaching (person-based)    

In this Jewish Inspiration Podcast episode (Day 120), Rabbi Aryeh Wolbe continues the Gate of Falsehood (Sheker) from Orchos Tzaddikim, exploring the second type of lie: the "white lie" or seemingly harmless falsehood (e.g., exaggeration for story enhancement, inconsequential fibs). Even when no one is hurt and no gain is sought, such lies are forbidden—because they stem from a desire to curry favor, build trust falsely, lower someone's guard, or gain advantage through deception.The rabbi cites King Solomon: a lying tongue is an abomination to kings—true leaders despise falsehood. The wise person weighs every statement carefully, rejecting even "small" lies that distort reality or make falsehood appear true. Sophisticated rationalizations often justify lies, but purging bad traits (arrogance, laziness, etc.) allows pure truth to emerge.The chapter stresses: falsehood distances one from Hashem (who is Emet/truth), harms others indirectly (steals dignity, causes pain/discord), and collapses over time (sheker has one leg; emet stands on two). The episode ends with a preview of the next types of falsehood (e.g., denying deposits, false testimony) and their double punishment.Recorded at TORCH Centre in the Levin Family Studios (B) to a live audience on July 8, 2025, in Houston, Texas.Released as Podcast on February 2, 2026_____________This series on Orchos Tzadikim/Ways of the Righteous is produced in partnership with Hachzek.Join the revolution of daily Mussar study at hachzek.com.We are using the Treasure of Life edition of the Orchos Tzadikkim (Published by Feldheim)_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/jewish-inspiration-podcast-rabbi-aryeh-wolbe/id1476610783Spotify: https://open.spotify.com/show/4r0KfjMzmCNQbiNaZBCSU7) to stay inspired! Share your questions at aw@torchweb.org or visit torchweb.org for more Torah content.  _____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Our Mission is Connecting Jews & Judaism. Help us spread Judaism globally by sponsoring an episode at torchweb.org.Your support makes a HUGE difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Hey Rabbi! Podcast: https://heyrabbi.transistor.fm/episodesPrayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.org_____________Keywords:#JewishInspiration, #Mussar, #MasterClass, #WhiteLies, #Truth, #Lies, #Rationalizations, #JewishEthics ★ Support this podcast ★

In this Jewish Inspiration Podcast episode (Day 120), Rabbi Aryeh Wolbe continues the Gate of Falsehood (Sheker) from Orchos Tzaddikim, exploring the second type of lie: the "white lie" or seemingly harmless falsehood (e.g., exaggeration for story enhancement, inconsequential fibs). Even when no one is hurt and no gain is sought, such lies are forbidden—because they stem from a desire to curry favor, build trust falsely, lower someone's guard, or gain advantage through deception.The rabbi cites King Solomon: a lying tongue is an abomination to kings—true leaders despise falsehood. The wise person weighs every statement carefully, rejecting even "small" lies that distort reality or make falsehood appear true. Sophisticated rationalizations often justify lies, but purging bad traits (arrogance, laziness, etc.) allows pure truth to emerge.The chapter stresses: falsehood distances one from Hashem (who is Emet/truth), harms others indirectly (steals dignity, causes pain/discord), and collapses over time (sheker has one leg; emet stands on two). The episode ends with a preview of the next types of falsehood (e.g., denying deposits, false testimony) and their double punishment.Recorded at TORCH Centre in the Levin Family Studios (B) to a live audience on July 8, 2025, in Houston, Texas.Released as Podcast on February 2, 2026_____________This series on Orchos Tzadikim/Ways of the Righteous is produced in partnership with Hachzek.Join the revolution of daily Mussar study at hachzek.com.We are using the Treasure of Life edition of the Orchos Tzadikkim (Published by Feldheim)_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/jewish-inspiration-podcast-rabbi-aryeh-wolbe/id1476610783Spotify: https://open.spotify.com/show/4r0KfjMzmCNQbiNaZBCSU7) to stay inspired! Share your questions at aw@torchweb.org or visit torchweb.org for more Torah content.  _____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Our Mission is Connecting Jews & Judaism. Help us spread Judaism globally by sponsoring an episode at torchweb.org.Your support makes a HUGE difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Hey Rabbi! Podcast: https://heyrabbi.transistor.fm/episodesPrayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.org_____________Keywords:#JewishInspiration, #Mussar, #MasterClass, #WhiteLies, #Truth, #Lies, #Rationalizations, #JewishEthics ★ Support this podcast ★

Peter Schweizer of the Government Accountability Institute has been investigating foreign campaigns to influence American elections. He joins the show to discuss his explosive findings laid out in his book ‘Invisible Coup, How American Elites and Foreign Powers use Immigration as a Weapon.' Get the facts first with Morning Wire.- - -Ep. 2610- - -Wake up with new Morning Wire merch: https://bit.ly/4lIubt3- - -Today's Sponsor:NetSuite - Get the free business guide, Demystifying AI, at https://Netsuite.com/MORNINGWIRE- - -Privacy Policy: https://www.dailywire.com/privacymorning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Discover how credit union strategies shape the future of cooperative banking in this compelling conversation between host Mark Ritter and Ancin Cooley, founder of Synergy Credit Union Consulting and CU Communities. From his early days as an OCC examiner to running a consulting practice focused on strategic planning and board development, Cooley shares candid insights on what separates thriving credit unions from those that simply grow to size. They tackle uncomfortable topics, including organic growth versus acquisition strategies, member business lending best practices, CUSO investments, succession planning, and maintaining the cooperative banking philosophy while managing enterprise risk management in today's complex financial institution leadership landscape.What You Will Learn in This Episode: ✅ How organic growth creates better operators compared to acquisition-driven expansion strategies, and why every hundred million dollars in asset growth teaches painful but valuable lessons that can't be learned through purchases alone.✅ The critical importance of sophisticated board development and enterprise risk management frameworks to protect member capital, especially when dealing with CUSO investments and preventing the extraction of capital outside the charter.✅ Best practices for member business lending programs, including how to align your strategy with funding goals, determine appropriate risk appetite, and implement proper credit administration to balance growth with sound credit union strategy.✅ Why succession planning and cross-functional education matter more than specialization, and how understanding multiple areas from compliance to interest rate risk creates stronger financial institution leadership capable of seeing the bigger picture.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Intro: Meet Ancin Cooley03:53 Cooley's journey from Wachovia teller to OCC examiner and witnessing organic growth challenges during the banking crisis08:10 The strategic error of specialization and the importance of cross-functional financial institution leadership education11:52 What makes credit unions successful across the spectrum from small community institutions to mega growth models15:49 How board development and accountability gaps allow risky behavior in acquisition-driven credit union strategy approaches20:23 Venture capital threats and extracting member capital through questionable CUSO investments and cooperative banking concerns27:04 Priority topics for 2026, including succession planning, technology adoption, and community-focused brand-building strategies30:50 Member business lending best practices, balancing risk appetite with proper credit administration and relationship focus34:22 Introduction to CU Communities online learning platform and Synergy Consulting's strategic planning approach for 2026KEY TAKEAWAYS:

OK, no intro on this episode for a bunch of excellent reasons. First, Fintan could not be there (WE MISSED YOU GOOD, BRAH); second, as it was at ICE do you really need us to tell you awesome things about Clarion and how they made the industry's best show somehow even better?; and third, we introduce a new sponsor onto the podcast next week and it's nice to build towards that. Oh, and fourth, this is an interview with the top man at one of our current excellent corporate overlords. I'll let AI give you the bones of what we talked about, it's topical after all…In this episode, Jon sits down with Pini Yakuel to discuss the state of the gambling industry as we head into early 2026. Pini reflects on the lessons learned from the massive AI investments of 2025 and introduces his core philosophy for the future: Positionless Marketing.The conversation covers how AI is shifting the industry back toward "artisan" values, the importance of incremental self-improvement, and what operators should be analysing ahead of the 2026 World Cup.Oh, and a phrase you will want to take away for future use: “Good, better, best; never let it rest”.Chapters (which we can do because there was no separately recorded intro, you see)0:00 The scone debate4:15 Sophisticated vs. Complex: Pini explains why he prefers the word "sophisticated" when describing powerful software and how users often surprise developers.7:50 Reflections on 2025: A look at the "continuum" of learning and the evolving hype vs. reality of AI.9:30 The M&A Landscape: Pini discusses why Optimove passed on several acquisitions in 2025 and the current valuation of SaaS companies.11:00 "Good, Better, Best": The philosophy of "Kaizen" (continuous improvement) and why progress is the key to happiness.13:50 Delayed Gratification: The challenge of focus in a "cheap dopamine" world and how environment impacts the brain's ability to work.16:45 The desk, feng shui and the Black Museum – a detour.20:55 Why the positionless marketer is an artisan, not a factory worker.26:40 The 2026 World Cup: Preparation strategies for operators, focusing on past behavioural data and managing "generosity budgets".Choice quotes: "Positionless marketing is about expanding our range and versatility, allowing us to change the organizational structure we've been confined to since the Industrial Revolution." "Happiness is an upward trend line of your development... whether it's skill-based, spiritual, or just being a kinder person.”Pini Yakuel on LinkedIn: https://www.linkedin.com/in/piniyakuel/As ever, we thank all of our sponsors for their vibrant and excellent support that makes all of this… magic… possible.Optimove, who turn customer data into something special, with tools that make businesses just plain work better. Optimove, your support helps us to keep creating content for an industry that probably thinks we disappeared years ago.Then of course there is Clarion Gaming, providers of the magnificent ICE expo (January '26 in Barcelona) and iGB Live! in London. There is simply nobody better at what they do.We also say goodbye to the lovely folks at EveryMatrix this episode. It's been a genuine pleasure, and regardless of sponsorship, they're a terrific group of people with some wonderful product. Get the demo, you'll see exactly what we mean.The...

Following two years of above-average production, U.S. apples are expecting another pretty good year, with Washington doing it's share of the lifting.

In this episode of Money Tales, our guest is Kaitlin Henze. A phone call that appeared to come from her bank's fraud department turned into a financial nightmare for Kaitlin. She shares how sophisticated scammers exploit fear and urgency to override your judgement. Kaitlin also demonstrates how bringing these stories into the open is one of the best ways we can protect ourselves and the people we love. Kaitlin lives just north of Milwaukee, WI, where she enjoys outdoor adventures with her pup Mia, practicing and teaching yoga, and volunteering for local nonprofits. She works for a business that teaches STEM and critical thinking skills to kids, inspiring the next generation with a love for data, graphing and lifelong learning. In May 2023, Kaitlin's life was turned upside down when she fell victim to an elaborate and devastating identity theft scam that stole her entire life savings in just three weeks. Now, she's courageously sharing her story to help others recognize, recover from, and most importantly, prevent similar cybercrimes. This episode is a powerful listen—and one worth sharing—to keep yourself and your loved ones safe. When Trust Is Weaponized Kaitlin's story is a stark reminder that financial threats don't always arrive as obvious red flags. Sophisticated scams are designed to mimic authority, create urgency, and exploit our instinct to act quickly—often when we're trying to do the “right” thing. By sharing her experience openly, she shows that anyone can be vulnerable, while giving listeners the tools to recognize warning signs, slow down in high-stress moments, and safeguard what matters most. If you're thinking about how to better protect yourself and the people you care about, an Aspiriant advisor can help you review safeguards, spot risks, and build resilience into your financial life. Follow Money Tales on Spotify, Apple Podcasts, or YouTube Music for more real stories that help us make smarter, safer decisions.

Critical Cybersecurity Updates: Microsoft, Goot Loader, Anthropic, and AI-Generated Malware In this episode of Cybersecurity Today, host Jim Love discusses the latest security patches and threats in the industry. Topics include Microsoft's recent patch for a Windows Admin Center flaw, the resurgence and evolution of Goot Loader malware, Anthropic's quiet patching of key vulnerabilities in their Git MCP server, and the emergence of Void Link, an advanced AI-generated malware targeting Linux-based servers. Tune in to learn about the implications of these updates and what steps you can take to protect your systems. Cybersecurity Today would like to thank Meter for their support in bringing you this podcast. Meter delivers a complete networking stack, wired, wireless and cellular in one integrated solution that's built for performance and scale. You can find them at Meter.com/cst 00:00 Introduction and Sponsor Message 00:20 Microsoft Patches Critical Windows Admin Center Flaw 02:54 Goot Loader Malware Resurgence 06:18 Anthropic Patches Git MCP Vulnerabilities 09:55 Void Link: AI-Generated Malware

You've built a toolkit over the last several episodes. Logical reasoning. Causal thinking. Mental models. Serious intellectual firepower. Now the uncomfortable question: When's the last time you actually used it to make a decision? Not a decision you think you made. One where you evaluated the options yourself. Weighed the evidence. Formed your own conclusion. Here's what most of us do instead: we Google it, ask ChatGPT, go with whatever has the most stars. We feel like we're deciding, but we're not. We're just choosing which borrowed answer to accept. That gap between thinking you're deciding and actually deciding is where everything falls apart. And there's a name for it. What Mindjacking Actually Is  Mindjacking. Not the sci-fi version where hackers seize your brain through neural implants. The real version. Where you voluntarily hand over your thinking because someone else already did the work. It's not dramatic. It's convenient. The algorithm ranked the results. The expert weighed in. The crowd already decided. Why duplicate the effort? Mindjacking is different from ordinary influence. You choose it. Every single time. Nobody forces you to stop evaluating. You volunteer, because forming your own conclusion is harder than borrowing someone else's. What exactly are you losing when this happens? The Two Skills Under Attack  Mindjacking destroys two distinct capabilities. They're different, and you need both. Evaluation independence is the ability to assess whether a claim is valid. Not whether the source has credentials. Not whether experts agree. Whether the evidence actually supports the conclusion. Decision independence is the ability to commit to a path based on your own judgment, without needing someone else to validate it first. Both skills need each other. Watch what happens when one erodes faster than the other. A woman researches her medical condition for hours. Journal articles. Treatment comparisons. She understands her options better than most medical students would. She walks into the doctor's office, lays out her analysis. It's thorough. Sophisticated, even. The doctor reviews it and says, "This is impressive. You've really done your homework." She nods. Then looks up and asks: "So what should I do?" She can evaluate. She can't decide. Now flip it. Think about someone who decides fast. Trusts their gut. Never waits for permission. How often does that person get burned by bad information they never verified? They can decide. They can't evaluate. Lose either ability and you're trapped. Lose both and you're not thinking at all. The Four Surrender Signals  How do you know when mindjacking is happening? It has a signature. Four internal signals that reveal the handoff in progress, if you know how to read them. Signal one: Relief. The moment you find "the answer," you notice a weight lifting. Pay attention to that. Relief isn't insight. It's the burden of thinking being removed. When you actually work through a problem yourself, the result isn't relief. It's clarity. And clarity usually comes with new questions, not a sense of "done." Signal two: Speed. Uncertainty to certainty in seconds? That's not evaluation. You found someone else's answer and adopted it. There's a difference between "I figured it out" and "I found someone who figured it out." One took effort. The other took a search bar. Signal three: Echo. Listen to your own conclusions. Do they sound like something you read, heard, or scrolled past recently? If your "own opinion" matches a headline almost word-for-word, it probably isn't yours. You're not thinking. You're repeating. Signal four: Unearned confidence. You're certain about a conclusion, but ask yourself: could you explain the reasoning behind it? Not where you heard it. The actual reasoning. If you can't, that confidence isn't yours. It came attached to someone else's answer, and you absorbed both their conclusion and their certainty without doing any analysis yourself. Once you notice these signals firing, you need a way to stop the pattern before it completes. The Interrupt  The interrupt is a single question: "Did I reach this conclusion, or just find it?" Six words. That's the whole thing. It works because it forces a distinction your brain normally blurs. "I decided" and "I adopted someone's decision" are identical from the inside, until you ask the question. Test it now. Think about the last opinion you formed. The last purchase you made. The last recommendation you accepted. Did you reach that conclusion, or just find it? The interrupt doesn't tell you what to think. It tells you whether you're thinking at all. Finding an answer isn't the same as reaching one. This matters more than you might realize, because the pattern is bigger than any single decision you make. The Aha Moment: The Illusion of Expertise  Researchers at Penn State looked at 35 million Facebook posts and found something remarkable: seventy-five percent of shared links were never clicked. Three out of four times, people passed along articles they hadn't read. But that's not the strange part. A separate study from the University of Texas discovered that the act of sharing content, even content you haven't read, makes you think you understand it. Sharing tricks you into believing you know. You didn't read the article about investing, but you shared it, so now you believe you understand investing. Worse: people act on that false knowledge. In the study, people who shared an investing article took significantly more financial risk afterward, even though they never read what they shared. They weren't pretending to know. They genuinely believed they knew, because sharing had become a substitute for learning. That's mindjacking at scale. Millions of people believing they're informed, acting confident, having never actually thought about any of it. The Feed Challenge  I want you to try something as soon as this video ends. Open your social media feed. Find a post where someone you know has liked or shared an article, an opinion, a hot take. Now ask: Did they actually think about this? Or did they just pass it along? Look for the signals. Is their comment just echoing the headline? Are they expressing certainty about something they probably spent ten seconds on? Did they add anything that suggests they read past the first paragraph? Or did they just click "like" and move on? Remember: seventy-five percent of shared links are never clicked. That like or share you're looking at? They probably never read what they're endorsing. You'll be shocked how easy this becomes once you start looking. It's everywhere. People confidently endorsing opinions they never examined. Certainty without evaluation. Expertise without effort. Why start with what others are putting in your feed? Because it's much easier to spot mindjacking in others than in yourself. Your ego doesn't interfere. Train your eye on what's coming at you first. Then turn it inward. Awareness precedes choice. You can't reclaim what you can't see. What's Next  Now you can see the handoff happening. That's the foundation. But seeing it isn't enough. Knowing the signals won't help you when you're exhausted and the algorithm is offering relief. Understanding the trap won't save you when everyone in the room disagrees and consensus feels like safety. Awareness alone won't protect you when the deadline is tomorrow and you don't have time to think. Those are the moments where mindjacking wins. Not because you lack the ability to think, but because thinking starts to look like a luxury you can't afford. That's the real battle. And that's what comes next. Next, we tackle the hardest version of this problem: acting before you're ready. What happens when you have to decide, the information isn't complete, and it never will be? Waiting for certainty feels responsible. But sometimes, waiting is the trap. If you're new here, check out the earlier episodes where we built the evaluation toolkit this series is built on. Watch the series on YouTube.  Don't Click Yet  Here's a thought: most people will finish this video and scroll to the next one. The algorithm already has a recommendation queued up. Relief is one click away. But you could do something different. You could stick with the discomfort for a minute. Actually, try the feed challenge before moving on. If you want to go deeper on mindjacking, the full breakdown lives at philmckinney.com/mindjacking. And if you want to support the team that helps me to produce this content, consider becoming a paid subscriber on Substack.  What's one opinion you realized might not actually be yours? Share this with someone who needs to hear it.   References Penn State University (2024). "Social media users probably won't read beyond this headline, researchers say." Analysis of 35 million Facebook posts published in Nature Human Behaviour.  Ward, A., Zheng, J.F., & Broniarczyk, S.M. (2022). "I share, therefore I know? Sharing online content – even without reading it – inflates subjective knowledge." Journal of Consumer Psychology, University of Texas at Austin McCombs School of Business. 

Researchers Find that Viking Age Dentistry Was Probably More Sophisticated than Previously ThoughtBy Today's RDH ResearchOriginal article published on Today's RDH: https://www.todaysrdh.com/researchers-find-that-viking-age-dentistry-was-probably-more-sophisticated-than-previously-thought/Need CE? Start earning CE credits today at ⁠https://rdh.tv/ce⁠ Get daily dental hygiene articles at ⁠https://www.todaysrdh.com⁠ Follow Today's RDH on Facebook: ⁠https://www.facebook.com/TodaysRDH/⁠Follow Kara RDH on Facebook: ⁠https://www.facebook.com/DentalHygieneKaraRDH/⁠Follow Kara RDH on Instagram: ⁠https://www.instagram.com/kara_rdh/⁠

What does your wardrobe say about you? Sophisticated? Outdoorsy? Athletic? Today coach Justus introduces a new spiritual wardrobe and helps you understand how to clothe yourself with the distinctive qualities of God.As a thank you for this month's donation......we'll send you The Significant Difference, by Arnie Cole.  It's 50 life changing lessons from God's Word in action.Yours with a gift of any amount.Thank you for supporting the mission of Christ.

This week's America on the Road is a special episode for several reasons. Not only is it the 300th episode since AOTR was rejuvenated as a radio series and podcast, but it also features one of the most innovative musclecars Detroit has ever developed — the 2027 Dodge Charger Scat Pack equipped with the 550-hp SixPack turbocharged in-line six. For this special episode, host Jack Nerad welcomes guest co-host Matt DeLorenzo for a milestone edition packed with road tests, breaking news, and a deep-dive review of the biggest automotive stories of 2025.

PREVIEW FOR LATER TONIGHT RIBBENTROP'S DESCENT FROM ANGLOPHILE TO ENEMY Colleague Charles Spicer. Joachim von Ribbentrop served as Hitler's ambassador to Britain, initially acting as a sophisticated Anglophile. However, after social gaffes and influence from his wife, his admiration turned to vitriolic hatred. Spicerdetails how this irrational shift influenced decisions leading up to the war and Ribbentrop's eventual hanging. 1945-46 DEFENSE ATTORNEYS NUREMBERG

PREVIEW Guest: Emma Southon. Southon profiles Julia Felix, a Pompeian business owner who defied Romangender norms by independently running a sophisticated entertainment complex. Featuring "bougie" baths, bars, and apartments, her establishment catered to those seeking luxury near the amphitheater, illustrating how archaeological evidence contradicts written claims about women's lack of financial autonomy. 1850 POMPEII

Today, let's go through one of the best, most convincing Apple scams that's out there right now. This one really has it all: a genuine request to authenticate your identity coming from Apple, real alerts being sent to your phone, computer, and tablet, as well as perfectly timed phone calls coming from “Apple Support.” This scam is good enough to be able to trick even extremely skeptical people—so let's go through it together so that you don't get scammed.

PREVIEW — Kevin Fraser — Regulating the AI Frontier vs. Focusing on Practical User Experience. Fraser examines the central dilemma in AI regulation, observing that proponents prioritize regulating sophisticated frontier AI developed internally by major labs including OpenAI, Anthropic, and XAI. Fraser contends that regulatory focus should instead prioritize real-world user experiences when AI is deployed in practical settings such as hospitals and educational institutions, ensuring policymakers develop a comprehensive understanding of both risks and benefits.

"You're being manipulated, and you don't even know it." Jesse Carey, writer and producer of the new audio docuseries PSYOP hosted by Shawn Ryan, blows the whistle on the psychological operations shaping modern culture. The series examines how psyops function at scale, not just in government black ops but in everyday news, social media, and entertainment. These manipulations exploit how we process information: we're tribal, emotional, confirmation-bias-prone creatures who prefer narratives reinforcing our existing beliefs. Sophisticated operators craft messages that trigger specific responses, divide populations, and make people feel independent while following scripted patterns. From framed news stories to rage-inducing algorithms to normalizing entertainment, psyops constantly shape what we believe is true and acceptable.Jesse breaks down how psyops work and why Christians are particularly vulnerable despite being commanded to test everything and renew our minds. We discuss specific tactics, including how intelligence agencies infiltrated the UFO community to create a false UFO religion, the development of new directed energy weapons with mind control-like abilities, how stories trigger emotions rather than inform, why certain narratives dominate while contradicting evidence disappears, and how "doing your own research" can lead deeper into controlled narratives. Drawing from the PSYOP series research, Jesse emphasizes that recognizing manipulation isn't about paranoia but about developing the discernment Scripture commands. Christians should be the hardest to manipulate, yet we're often the easiest targets because we mistake cultural programming for biblical conviction. This episode pulls back the curtain on the psychological operations, propaganda, and methodology used to control and divide the masses and will help you to recognize manipulation and think critically about what you're told to believe. This episode is sponsored by: https://livemomentous.com — Get up to 35% off your first order with promo code BLURRY at checkout! https://homechef.com/blurry — Get 50% off plus free shipping on your first box & free dessert for life! https://quince.com/blurry — Get free shipping on your order & 365-day returns when you shop now! - Learn more about your ad choices. Visit megaphone.fm/adchoices