Podcasts about summarizing

David talks about Humanergy's Leadership Pyramid and how the best leaders are oriented to the bottom four steps... Authentic Respect, Listing, Summarizing and asking powerful questions

Welcome back to Crime Time Inc. In episode 25 of our Charles Manson series, we dive into the dramatic events of the Manson Family trial in November 1970. This episode covers the electrifying proceedings inside Department 104 of the Los Angeles Superior Court, including the unexpected testimonies of Manson's female followers and the disappearance of defense attorney Ronald Hughes. We discuss Manson's bizarre monologue and failed escape attempt, the defense's convoluted strategies, and Prosecutor Vincent Buliosi's final argument. Tune in as we unravel the courtroom chaos and the pivotal moments that defined one of America's most notorious trials.00:00 Introduction to the Charles Manson Trial00:54 The Defendants' Rebellion03:46 Manson Takes the Stand09:33 Ronald Hughes' Mysterious Disappearance15:00 Courtroom Chaos and Disruptions18:15 Manson's Escape Attempt26:52 Defense Strategies Unfold35:49 Prosecution's Final Argument37:33 Buliosi's Counterarguments to Kanarek41:45 Addressing the "Robot" Defense42:21 The Defendants' True Nature43:38 Linda Kasabian's Testimony44:58 Summarizing the Evidence45:39 Helter Skelter Motive46:09 Buliosi's Powerful Conclusion49:32 Jury Deliberations Begin51:26 Expert Analysis: Courtroom Chaos51:50 Reflections on Judicial Control56:18 Defense Tactics and Courtroom Drama01:03:58 Final Thoughts and Upcoming VerdictTom Wood is a former murder squad detective and Deputy Chief Constable of Lothian and Borders Police in Scotland. Tom worked on many high profile murder cases including Robert Black, Peter Tobin and was part of the team investigating The World's End Murders from day one until 37 years later when the culprit, Angus Sinclair was finally convicted. Tom was latterly the detective in overall charge of The World's End murder investigation. Tom is now retired from the Police and is a successful author.Tom Wood's Books Ruxton: The First Modern Murder https://amzn.eu/d/25k8KqGThe World's End Murders: The Inside Story https://amzn.eu/d/5U9nLoPSimon is a retired Police Officer and the best selling author of The Ten Percent, https://amzn.eu/d/5trz6bs a memoir consisting ofstories from the first part of his career as a police officer. From joining in 1978,being posted in Campbeltown in Argylll, becoming a detective on the Isle ofBute, Scotland, through to the Serious Crime Squad and working in the busy Glasgowstation in Govan.#CharlesManson,#MansonMurders,#truecrimepodcast,#helterskelter,#CrimeHistory,Further reading on Charles Manson which helped influence this podcast:Manson: The Life and Times of Charles Manson by Jeff GuinnHelter Skelter: The True Story of the Manson Murders by Vincent Bugliosi and Curt GentryCharles Manson, the CIA and the Secret History of the Sixties by Tom O'NeillAbout Crime Time Inc.Crime Time Inc. is hosted by Tom and Simon—two ex-cops with decades of frontline experience and zero tolerance for fluff. Tom, a by-the-book former Deputy Chief Constable from Edinburgh, and Simon, a rule-bending ex-undercover cop from Glasgow, bring sharp insight, dark humour, and plenty of East vs. West banter to every episode.Whether they're revisiting cases they worked on, grilling fellow former officers, or picking apart narrated true crime stories, Tom and Simon don't just talk about crime—they've lived it. Real cases. Real cops. Real talk.Our Website: https://crimetimeinc.com/If you like this show please leave a review. It really helps us.Please help us improve our Podcast by completing this survey.http://bit.ly/crimetimeinc-survey Hosted on Acast. See acast.com/privacy for more information.

In this episode of Leading Human, delve into a dense and profound exploration of Gurdjieff's challenging text, Life is Real Only Then When I Am. Chad does the hard work for you and summarizes the teachings, emphasizing mindful consumption, intentional community for growth, structured inner work, and the importance of breaking free from herd mentality to achieve true self-awareness. This episode highlights the relevance of these lessons for modern leaders, focusing on living a fully conscious and purpose-driven life amidst the relentless distractions of today's world.00:00 Introduction and Overview00:20 Summarizing a Challenging Text02:31 Key Insights from the First Talk06:23 Insights from the Second Talk07:34 Practical Advice from the Third Talk08:55 Final Insights from the Fourth Talk10:26 Concluding Thoughts and Relevance Today18:38 Final Reflections and Upcoming TopicsWant a communication and wellbeing workshop that actually sticks? Whether you're building trust or leveling up team accountability, we've got you. Book your custom team training via the link here.

It's the scores, the highlights, the reactions. It's the insight, behind the scenes and before the games. We're talking Habs hockey every day. Get informed, get up to date, get in the game. The Morning Show, with Conor McKenna and Shaun Starr.

Show Notes: What is Abundance? And is it a Good Thing?OverviewThis newsletter explores the concept of abundance, particularly in the context of technology, energy, and capital. It challenges debates about whether abundance is real or manageable, presenting it instead as an unstoppable force rapidly reshaping business, society, and governance. The content spans trends from explosive AI-driven startup growth and energy breakthroughs to shifts in media, venture capital, and political dynamics.Listeners will find this collection compelling because it connects broad macro forces—technology advances, energy cost collapses, investment flows—with societal and economic changes. It offers a nuanced view that acknowledges friction and obstacles but maintains optimism that abundance is already here, accelerating, and fundamentally altering the rules across multiple domains.Key Trend 1: Explosive Growth and Changing Dynamics in AI-Driven Innovation and FundingThe emergence of AI as a multiplier of human capability is driving unprecedented revenue growth in startups, reshaping the venture capital landscape, and redefining what “scale” means. Late-stage funding surges and monumental investments in AI infrastructure reflect growing confidence in AI's commercial potential.The top 10% of B2B AI startups are achieving astronomic 236% ARR growth, marking a departure from the efficiency-first era to rapid expansion and capturing “escape velocity.”The size of top-1% venture-backed exits is nearly doubling every five years, signaling massive future capital returns at the intersection of cloud, mobile, and AI platforms.Late-stage AI investments dominate funding, including mega rounds like Anthropic's $3.5B Series E, underscoring belief in scalability and profitability.Oracle's $40B commitment to Nvidia chips for OpenAI's new data center exemplifies the scale of capital pouring into AI infrastructure needed to power trillion-parameter models.The explosion of AI integration across tools, like Perplexity Labs generating complex work products or multiple AI agents collaborating on code, highlights multi-layered adoption in workflows.Key Trend 2: Energy Abundance as the Prerequisite for Sustainable Technological and Societal GrowthEnergy is the foundational “subsidy” enabling societal complexity, climate action, and advanced AI. Rapid advances in solar, nuclear, and fusion research herald a future of "energy too cheap to meter," which will be a game changer as demand explodes.Energy breakthroughs have historically powered leaps in human development—from fire to fossil fuels—and solar energy is the latest, with plummeting costs creating a tipping point.Government reform, grid modernization, and deregulation are essential to accelerate adoption and infrastructure buildout.Upcoming nuclear small modular reactors and fusion research (including AI-assisted catalyst discovery) represent critical next steps along the energy innovation trajectory.Meeting urgent energy needs is critical for climate solutions, AI's soaring compute demand, and sustaining democratic institutions and economies.Key Trend 3: Institutional Friction vs. Market-Led Speed and Execution in Technology and GovernmentWhile abundance forces press forward, friction remains, especially rooted in institutional inertia, regulatory complexity, and political coalitions. However, the market champions the agile and fast-executing players who prioritize speed over bureaucratic safety.Biden administration's infrastructure rollout illustrates government slowness: trillions in spending with slow or no visible results.Companies achieving rapid ARR growth routinely bypass “progressive coalition politics” favoring execution and iteration.Elon Musk's brief tenure in government showed the challenges of applying private-sector efficiency models to public institutions, ending with his resignation amid political conflicts.The “Abundance Agenda” calls for governance reform but faces entrenched interest-group resistance, reflecting recurring liberal factional rivalries.Key Trend 4: The Shifting Media and Information Ecosystem—From Screening to Summarizing, and the Challenge to Web ContentAI-powered search is transforming how users access information, moving from link-based discovery to AI-generated summaries that threaten traditional web traffic patterns and publisher revenue models.Google's AI Overviews and AI Mode prioritize summarization over link retrieval, reducing user clicks to websites, shifting how “the web” is monetized and accessed.This shift generates tensions as content creators face reduced traffic even as their editorial authority becomes more valuable to AI training.New protocols like Microsoft's NLWeb aim to make websites more accessible to AI agents, signaling an evolution toward AI-powered conversational interfaces.Publishers' survival depends increasingly on establishing verified fact-based content and new business models compensating their data contribution to AI.Key Trend 5: The Democratization and Accelerated Meme-ification of Venture Capital and CultureThe VC landscape, and culture at large, is increasingly shaped by rapid narrative cycles, social media algorithms, and AI-driven content creation, emphasizing hype and viral content while paradoxically increasing the importance of genuine personal connection and location.Meme coins like Fartcoin, driven by AI-generated hype, show how narrative velocity can create rapid yet often ephemeral market spikes influencing capital flows.Social media and AI have democratized “taste,” with rapid cycles of trend formation driven by platform algorithms favoring engagement over depth.Venture capital branding is evolving to embrace memes and out-of-home advertising to reach broader retail investor audiences, challenging traditional LP communication.Despite hyper-meme culture, location and face-to-face networks remain crucial as a grounding force amid accelerated, digital-first trends. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.thatwastheweek.com/subscribe

In this episode, we take a deep dive into the commonly held belief that protein is the most satiating macronutrient. It's an idea that shows up frequently in both clinical guidance and popular nutrition discourse: if you want to feel fuller, eat more protein. But how robust is that claim when you drill into the details of the evidence? To explore this, Alan and Danny examine the complex interplay between protein intake, satiety, and energy intake. We look at both historical and recent literature, including work from Kevin Hall's group, that raises important questions about how much of protein's supposed appetite-suppressing effect is due to the protein itself versus other influential variables—such as eating rate, food texture, and energy density. This is an important topic, not just for academic curiosity, but for its practical implications. If our assumptions about protein and satiety are oversimplified or overstated, that has knock-on effects for how we design diets aimed at appetite regulation, weight management, or obesity prevention. So whether you're a researcher, a clinician, or simply someone interested in understanding the mechanisms behind how we eat, this episode aims to provide clarity on where the science currently stands—and where it might be leading. Timestamps [03:18] The impact of protein on satiety [04:49] Historical context of protein and satiety [07:30] Mechanisms of protein-induced satiety [16:31] Research methods and measurements [21:39] Studies on protein and satiety [27:51] Analyzing specific studies [35:51] Understanding high protein meals and their effects [37:31] Acute vs. chronic effects of high protein intake [45:59] Other meal characteristics [53:21] Real-world implications of protein intake [01:01:19] Summarizing the impact of protein on satiety Related Resources Subscribe to Sigma Nutrition Premium Join the Sigma email newsletter for free Enroll in the next cohort of our Applied Nutrition Literacy course Go to episode page Related studies: Fazzino et al., Nature Food, volume 4, pages144–147 (2023) Weigle et al., Am J Clin Nutr. 2005 Jul;82(1):41-8 Smeets et al., J Nutr. 2008 Apr;138(4):698-702 Blatt et al., J Am Diet Assoc. 2011 Feb;111(2):290-4.

Sam Bendix, Partner at Chicago Pacific Founders, returns to share his framework for capital raising using motivational interviewing. He explains how it uncovers real motivations and qualifies prospects faster—without a hard sell. We cover how it applies to investor meetings, deal sourcing, hiring, and beyond. A practical framework for better conversations and better results. [00:00] Sam Bendix, Partner at Chicago Pacific Founders, shares his capital-raising framework using motivational interviewing. [00:28] Alex praises its use in candidate interviews, prospecting, and deal origination. [00:58] Framework inspired by Sam's wife, a dietitian, helping patients change behavior. [01:53] Sam realized it draws out investor motivations instead of pushing a pitch. [02:51] Ideal for hesitant prospects or those juggling priorities. [04:13] Helps quickly qualify whether someone's worth pursuing. [05:37] Sam uses it on intro calls with LPs at the contemplation stage. [06:33] It's flexible — works even outside of work. [08:30] Four stages: Engage, Focus, Evoke, Plan. [10:15] Key question: "What led you to take this meeting?" [12:09] Use “change talk” to uncover real motivations. [13:59] Always leave with clear next steps. [15:50] Similar to AIDA — build rapport, qualify, find the why, plan action. [17:15] Real-life case study: reframed a real estate pitch to win infrastructure LP interest. [22:28] Even a "no" reveals future opportunities. [25:22] ORS method (Open questions, Reflective listening, Summarizing) is critical. [27:17] Reflect objections back to build clarity and trust.  [28:13] Alex draws parallels with talent assessment — most firms hire for now, not the full journey. [30:40] Exceptional execs have frameworks. If they can't articulate their playbook, you can't scale them. [32:07] Too many firms wing it with clients while being structured with candidates — both need frameworks. [34:29] Sam praises Alex's consultative approach to hiring — problem-finding > solution-pushing. [36:55] Knowing the why behind hiring helps tailor the search to real business needs. [39:47] Ideally, firms would hire 3 execs per hold period — one for each phase. Instead, you need one who can run the full race. [43:10] Negotiation tips: frame your goals around the LP's goals. [45:35] Use three steps: Reflect objections, Reframe as shared objectives, Confirm buy-in. [48:27] Book recs: Negotiation Genius (Harvard), Start with No (Jim Camp), and Quit (Annie Duke).Sam's open to connecting on LinkedIn. Subscribe for more episodes on  iTunes & SpotifyGot feedback or questions? Email Alex at alex.rawlings@raw-selection.com. Until next time—keep smashing it!

How often do you genuinely listen—picking up not just on what's said, but on what's left unsaid? For many teams, listening is overlooked, even though it shapes how people connect, lead, and adapt to change.In this episode of The Future of Teamwork, Dane Groeneveld speaks with Oscar Trimboli, author of How to Listen and Head of Coaching Faculty at the Marketing Academy. Together, they explore the five levels of listening and how they influence leadership, communication, and organizational alignment—especially in moments of transition.Whether you're guiding a team through change or looking to improve the quality of everyday conversations, this episode offers a practical lens on what it means to really listen.Key Takeaways:00:00 Introduction to the Future of Teamwork Podcast01:35 Meet Oscar Trimboli: The Listening Expert02:19 The Story Behind Oscar's Listening Quest04:20 Decoding Deep Listening Techniques09:09 The Importance of Acknowledging the Past16:10 Five Levels of Listening29:03 Effective Meeting Preparation30:17 The Power of Process Questions31:40 Permission to Interrupt and Self-Correct34:29 Summarizing and Feedback Techniques37:07 AI in Business Communication43:12 Handling Customer Grievances46:30 The Impact of Listening on Teamwork49:15 Call to Action: Improve Your Listening Skills

You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callChapters0:00 - Podcast Introduction0:30 - Best Burger Joints Idea2:15 - Retiring Early: Can You Access TSP or 401k?3:13 - 59½ Rule Explained for Early Access6:45 - 55 Rule: The Key to Penalty-Free Withdrawals8:44 - Setting Up Secure Income Before 59½11:00 - Why Emergency Funds Matter in Retirement12:10 - Summarizing the 55 vs. 59½ Rules13:23 - How to Schedule Your Free Consultation15:35 - Health Tip: Benefits of Dark Chocolate19:00 - Final Recap and Closing Thoughts"Financial security means understanding the key milestones — so you can retire smarter, not later."Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call#RetirementPlanning #TSP #FederalEmployees #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealthAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

This episode is brought to you by Caldera Lab's new hair care system for men. Dr. Latt Mansor, PhD is back to share the latest research and scientific evidence to optimizing your health and performance with the power of ketones! Imagine a world where you don't need to follow a strict ketogenic diet to harness the myriad of benefits of ketones. Latt shares groundbreaking insights into how exogenous ketones can revolutionize metabolic health, enhance athletic performance, and improve cognitive function. We explore the science behind these claims, drawing from the latest research, and offer our own practical advice and personal experiences using exogenous ketones. Follow Latt @lattmansor Follow Chase @chase_chewning ----- In this episode we discuss... Introduction to Ketones and Health (0:00:00) - Welcome back Dr. Latt Mansor to discuss the transformative effects of ketones on health and performance. Metabolic Health and Longevity (0:03:00) - Exploring how ketones enhance metabolic health and support longevity without a strict ketogenic diet. Personal Experiences with Ketones (0:06:00) - Sharing personal anecdotes and benefits from using exogenous ketones. Understanding Ketones and Sleep (0:10:36) - Dispelling myths about ketones as stimulants and their impact on sleep quality. Ketones and Sleep Apnea (0:14:00) - Discussing research on ketones improving sleep apnea and sleep stages. Cognitive Benefits of Ketones (0:17:00) - How ketones can improve focus, alleviate anxiety, and support ADHD. Optimal Dosing for Sleep (0:23:05) - Determining the right amount of ketones for sleep and cognitive benefits. Ketones and Heart Health (0:31:24) - The impact of exogenous ketones on cardiac output and heart failure patients. Exercise Performance and Ketones (0:34:00) - How ketones enhance both endurance and anaerobic exercise performance. Combining Ketones and Glucose (0:37:28) - The benefits of combining exogenous ketones with glucose during workouts. Nutritional Strategies with Ketones (0:47:24) - Optimizing workouts by integrating Ketone IQ and adjusting macronutrient intake. Recovery and Ketones (0:53:33) - Exploring the role of ketones in enhancing recovery and reducing fatigue. Appetite Suppression and Ketones (1:04:24) - The potential effects of ketones on appetite and hunger hormone regulation. Ketones in Mental Health Therapy (1:10:00) - Using ketones to enhance the benefits of ketamine-assisted psychotherapy. Identifying Quality Ketone Supplements (1:17:52) - Understanding the difference between effective ketone products and imitations. Science of Ketones Beyond Diet (1:18:53) - Emphasizing ketones' benefits without adhering to a ketogenic diet. Exogenous vs. Endogenous Ketones (1:21:00) - Comparing the sources and benefits of ketones in health management. Ongoing Research and Future Insights (1:24:00) - Discussing upcoming studies and potential breakthroughs in ketone research. Listener Q&A (1:28:00) - Addressing common listener questions about incorporating ketones into daily life. Ever Forward (1:33:00) - Summarizing key points and encouraging listeners to subscribe and explore further resources. ----- Episode resources: Save 20% on the new hair care system for men with code EVERFORWARD at https://www.CalderaLab.com/everforward  Save 10% on MitoPure gummies with code EVERFORWARD at https://www.Timeline.com  Save an additional 15% on the C15:0 essential fatty acid with code EVERFORWARD at https://www.Fatty15.com/everforward Get a FREE electrolyte sample pack with any purchase at https://www.DrinkLMNT.com/everforward  Watch and subscribe on YouTube Latt's first episode, EFR 690

In this episode of Our Tech for Business podcast, Todd, the COO and CSO, and Kelsey, the graphic designer and brand strategist, delve into the effective use of AI prompting tools like Microsoft's Copilot. They share personal experiences and practical applications, including quick-start strategies, campaign briefs, business communications, and the intricacies of crafting the perfect prompt. The conversation also touches on advanced prompting techniques, the importance of brand voice, and troubleshooting common AI errors. The future of AI, including the role of agentic AI and the potential for AI agents, is also discussed. Join us for an insightful discussion on leveraging AI to enhance productivity and creativity in business.Resources: https://techcommunity.microsoft.com/blog/microsoft365copilotblog/prompt-like-a-pro-with-microsoft-copilot-in-teams/4141986 https://techcommunity.microsoft.com/blog/microsoftteamsblog/prompt-like-a-pro-8-tips-and-tricks-for-working-with-copilot-in-teams/4195028 https://techcommunity.microsoft.com/blog/microsoft_365blog/favorite-microsoft-365-copilot-prompts/4270282 https://support.microsoft.com/en-us/topic/introducing-agents-943e563d-602d-40fa-bdd1-dbc83f582466 https://support.microsoft.com/en-us/topic/learn-about-copilot-prompts-f6c3b467-f07c-4db1-ae54-ffac96184dd5 00:00 Introduction to the Podcast and Guests00:17 Creative Uses of AI in Business01:39 Effective Email Communication with AI06:02 AI's Role in Summarizing and Communication07:47 Advanced Prompting Techniques13:53 Personal and Brand Voice with AI19:20 Building an Info Base for Brand Consistency20:25 Leveraging AI for Efficient Data Management23:39 Troubleshooting AI Hallucinations27:28 Iterative Prompting Techniques35:28 Future of AI and Agentic AI40:27 Conclusion and Future Prospects

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Does every single offer need a fully built out client experience? While I think it's necessary to create a powerful experience that leave your client raving about you, I also am a huge fan of simple systems. In this episode I'm walking you through how you might be overcomplicating your systems for some of your offers and why you should leave the more robust systems for your signature offers.Find it Quickly:[00:29] The Importance of Client Experience[01:23] Simple Offers Explained[03:20] Stop Overcomplicating Your Systems[04:28] Essential Elements for Simple Offers[05:49] Summarizing and Upselling[07:02] Evaluating & Simplifying Your SystemsMentioned in this EpisodeGet Paid with SchedulersMentioned in this episode:Join the Systems Glow Up ChallengeWhat if writing client experience emails didn't make you want ot pull your hair out? In my three-day Systems Glow Up Challenge, I'll help you stop overthinking every message and start writing with clarity and confidence. Join us on April 29th at coliejames.com/glowup

Dr Kirk Honda reacts to Adolescence (Netflix 2025).This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/KIRK to get 10% off your first month.00:00 The beginning of Adolescence & the assessment38:38 Toxic masculinity as the solution1:02:12 Is the depiction of the clinical psychologist accurate?1:32:22 Summarizing the end & other pop-culture therapistsBecome a member: https://www.youtube.com/channel/UCOUZWV1DRtHtpP2H48S7iiw/joinBecome a patron: https://www.patreon.com/PsychologyInSeattleEmail: https://www.psychologyinseattle.com/contactWebsite: https://www.psychologyinseattle.comMerch: https://teespring.com/stores/psychology-in-seattleInstagram: https://www.instagram.com/psychologyinseattle/Facebook Official Page: https://www.facebook.com/PsychologyInSeattle/TikTok: https://www.tiktok.com/@kirk.hondaApril 7, 2025The Psychology In Seattle Podcast ®Trigger Warning: This episode may include topics such as assault, trauma, and discrimination. If necessary, listeners are encouraged to refrain from listening and care for their safety and well-being.Disclaimer: The content provided is for educational, informational, and entertainment purposes only. Nothing here constitutes personal or professional consultation, therapy, diagnosis, or creates a counselor-client relationship. Topics discussed may generate differing points of view. If you participate (by being a guest, submitting a question, or commenting) you must do so with the knowledge that we cannot control reactions or responses from others, which may not agree with you or feel unfair. Your participation on this site is at your own risk, accepting full responsibility for any liability or harm that may result. Anything you write here may be used for discussion or endorsement of the podcast. Opinions and views expressed by the host and guest hosts are personal views. Although, we take precautions and fact check, they should not be considered facts and the opinions may change. Opinions posted by participants (such as comments) are not those of the hosts. Readers should not rely on any information found here and should perform due diligence before taking any action. For a more extensive description of factors for you to consider, please see www.psychologyinseattle.com

This episode talks about many high level current events that are interesting and have interesting parallels.

On today's show, the NCAA Freshman of the Year, Max McEnelly of Minnesota, joins the show as we talk all things his Freshman season & Minnesota.01:32 - Summarizing the Season03:19 - Making the Jump to College05:30 - Being an Underdog08:28 - Dropping Matches to Carter & Parker11:00 - Bouncing Back for 3rd13:00 - Match Against Berge14:30 - Film Guy?15:45 - Having Gable Back For This Year18:00 - Impact of Michael Kemerer20:00 - Vance Vombaur in the Room22:00 - Maintaining Momentum 24:30 - 184 Next year25:45 - Fan Q&A33:08 - NIL DealsTweet us and send us messages with questions and general thoughts! Be sure to SUBSCRIBE to the podcast and go through the archives to hear more great stories.Support the show & leave a 5-star rating and review on Apple Podcasts, and shop some apparel on BASCHAMANIA.com! For all partnership and sponsorship inquiries, email info@baschamania.com.BASCHAMANIA is a Basch Solutions Production. Learn more about Basch Solutions at BaschSolutions.com.SUBSCRIBE ON YOUTUBE! https://www.youtube.com/@JustinBaschCONNECT ON X/TWITTER:TWITTER: http://www.twitter.com/justinjbaschINSTAGRAM: http://www.instagram.com/jbaschDRAKE ON INSTAGRAM: http://www.instagram.com/maxmcenelly_

The Switch 2, a powerful 120 FPS screen system with HDR, monkeys, and cows driving go karts. 2025 is truly a new era of gaming. But it doesn't have F-Zero GX ReGeared so we may be doomed?MORE PLACES TO FIND USCrubscribe ► https://bit.ly/CrubcastGet the show early and get exclusive content at our Patreon ► https://www.patreon.com/crubOur Crubcasts are recorded LIVE at https://www.twitch.tv/crub_official every Tuesday at 7pm Eastern, with EXCLUSIVE Pre- and Post-ShowsJoin our Discord ► https://crub.org/joinBlueSky ► https://bsky.app/profile/crub.orgPodcasts are available on Apple, Google, Spotify, and other platforms are available at ► https://crub.orgTODAY'S CRUBCAST HOSTSBrody: https://www.youtube.com/@RACROXChris: https://www.youtube.com/@MykonosFanJustin: https://www.youtube.com/@WorldFamousJtart9Kevin: https://www.youtube.com/@TheGoldenBoltCHAPTERS00:00 General thoughts & Mario Kart World05:50 We plan out how to push a C Button11:00 Paid Digital Guide Game17:22 It's a cube for games22:54 Share your Zelda Notes with the class33:00 Close enough, welcome back Bloodborne42:27 Summarizing thoughts + bullying our friends ★ Support this podcast on Patreon ★

Episode Overview:This episode explores the concept of clinical vulnerability with Dr. Emily Bailey, a professor at Oglethorpe University and expert in anxiety and OCD. Join us as we discuss the importance of making mistakes, the art of exposure therapy, and how clinicians can best support their patients through open communication and personalized treatment.Key Insights:Clinicians are human: Therapists make mistakes, and it's important for both clinicians and patients to recognize this. Growth comes from acknowledging mistakes and learning from them.The art of exposure therapy: Exposure and response prevention (ERP) therapy is not a rigid, cookie-cutter approach. It requires creativity, rapport building, and trust between therapist and client.Responding with urgency reinforces anxiety: Responding immediately to patient emails or calls can reinforce unhealthy patterns. Setting boundaries around communication is crucial for both the clinician's well-being and the patient's growth.The importance of processing: Sometimes, patients need to process their emotions before jumping into exposures. Recognizing when to pause and address underlying issues is key to effective treatment.Saying "I don't know" builds trust: It's okay for clinicians to admit when they don't have all the answers. Exploring solutions together fosters a stronger therapeutic relationship.Avoiding hard conversations is detrimental: Addressing comorbid disorders and other treatment interfering behaviors, even if challenging, is vital for a patient's long-term recovery.Referrals are a graduation: If a clinician isn't the right fit, they should refer the patient to someone who can better meet their needs. This is a positive step towards effective treatment, not a failure.Treating the whole person: Effective treatment addresses the individual's entire context, not just their symptoms. This includes family dynamics, life stressors, and any other relevant factors.Notable Quotes:"It's almost like an art. There's a science to it, but there's this creative piece of treating anxiety and OCD..." - Dr. Emily Bailey"If you focus on being right, you can guarantee you're gonna be wrong." - Dr. Elizabeth McIngvale"The only mistakes that are made are the ones we don't learn from." - Cali WernerTimestamps:[00:00:00] Introduction + Guest Introduction[00:06:09] Anxious moments + Marathon pacing anxieties[00:13:49] Clinical mistakes + Learning from experiences[00:20:11] Ethical boundaries in communication[00:25:06] Meeting clients where they are at + Not being rigid in treatment[00:32:28] Importance of the right treatment + Ethical referrals[00:41:03] Projection in clinical practice[00:47:45] Summarizing key takeaways[00:54:05] Where to find Dr. Bailey + Future episode topicsGuest Links:atlantaocdandanxietytreatment.comOglethorpe UniversityCall to Action:Subscribe to The Anxiety Society Podcast on your favorite platform + leave a review! Connect with us on Instagram @theanxietysocietypod to explore more content, submit questions, & join our community! Let's change our relationship with anxiety, together!

Summarizing the 85th Live Letter, which is part 1 of announcing patch 7.2 features.

Roger Rosmus, Founder, CEO, & Director of Goliath Resources (TSX.V: GOT) (OTCQB: GOTRF), joins me to review the final batches of more high-grade gold assay results from the 2024 drill program, returned from both the reduced intrusion mineralization and multiple new stacked veins at the Surebet and Bonanza Zones at the Surebet Discovery in the Golden Triangle of British Columbia.  We also look ahead to the 2025 exploration strategy and program anticipated to kick back off in May.   We start off reviewing the key takeaways from the Surebet Zone, Bonanza Shear and Golden Gate zone, as well as 4 additional new stacked gold veins, now totaling 12 veins stretching vertically over 1.2 km.  Last year program was successful in demonstrating the untapped discovery potential and consistent high grades and mineable widths of the gold-mineralized stacked layers in the Surebet system that measures 1.8 km2 and remains wide open.    Another key exploration initiative from the prior exploration program was relogging many drill core intercepts drilled from 2021-2023, where results confirmed multiple intercepts of an intrusion related feeder dyke system that remains open, strongly indicating close proximity to a large gold-rich intrusive source at depth (Reduced Intrusion Related Gold system, RIRG).  This reduced intrusion mineralization will continue to be a focus of follow-up relogging and new drill targets for this year's program, with the plans to get more core sent back off to the assay labs in May, once the team gets mobilized at camp.   We touched briefly upon the regional targets like Treasure Island and Jackpot that did have some indications of gold and silver, but didn't return assays that were of the same grades as what was seen at surface in the grab and channel samples, so there will be surveys flown and more targeting work done in 2025, to prepare new drill targets for 2026.   The focus of the 2025 drill program will mainly be expanding mineralization at the Surbet Discovery along strike, further down in depth below the valley floor, and also doing some infill drilling at 100 meter spacings to connect together isolated holes into a more comprehensive and continuous mineralized model.   Roger also highlighted the strategic investments last year and this year Crescat Capital, Larry Childress, a Singapore-based commodity fund, Rob McEwen.  Importantly, in a more recent transaction a strategic C$10,000,000 investment by McEwen Mining Inc. (NYSE: MUX) (TSX: MUX) was made into Goliath Resources; where both companies now have shares and exposure in the respective companies.   If you have any questions for Roger about Goliath Resources, then please email me at Shad@kereport.com and then we'll get those answered or covered in a future interviews.   In full disclosure, Shad is a shareholder of Goliath Resources at the time of this recording.   Click here to follow the latest news from Goliath Resources

In a competitive market, success isn't just about selling—it's about leveraging technology to enhance efficiency, build relationships, and close deals faster.

IntroductionThe biblical book of Daniel has a couple of fascinating drinking stories in it, so much so that the 171st episode of The Jewish Drinking Show features a discussion on it. The featured guest on this episode to discuss this topic is returning guest to the show, Prof. Caryn Tamber-Rosenau.Biography of GuestProf. Tamber-Rosenau is an assistant professor of Jewish Studies and Religious Studies at the University of Houston, as well as the director of Jewish Studies there. She is the author of the book Women in Drag: Gender and Performance in the Hebrew Bible and Early Jewish Literature, and is working on a book about time and history in the books of Esther, Daniel, Judith, and Tobit for Oxford University Press. She previously was featured as a guest on the show to discuss Wine in the Book of Judith.Time Stamps0:00 Welcome0:24 Introduction to Prof. Caryn Tamber-Rosenau0:59 Introduction to the Book of Daniel5:53 Introducing wine in the book of Daniel6:10 Wine and drinking in the first chapter of Daniel18:19 Wine and drinking in the fifth chapter of Daniel33:27 Summarizing wine and drinking in the book of Daniel35:22 Prof. Tamber-Rosenau shares a little about her forthcoming book36:15 Thank you & l'chaimSupport the showThank you for listening!If you have any questions, suggestions, or more, feel free to reach out at Drew@JewishDrinking.coml'chaim!

Gene Finz - I DO NOT CONSENT!: Summarizing and Simplifying The SOVEREIGN CITIZEN IDEOLOGYThough many disavow the term, philosophically, nearly half a million Americans and a growing number of Canadians, Brits and Australians, identify as Sovereign Citizens. The Sovereign Citizen movement is a controversial and contentious ideology that challenges accepted notions of citizenship, government authority, and legal obligations. Sovereign Citizens, for instance, believe they are not constitutionally required to have a driver's license in order to drive, nor register or insure their vehicles. They deny the requirement to pay taxes, and they maintain that they are not under the authority of the police nor governed by federal, state or city laws. In a series of short and concise chapters, this book delves into this curious movement, its history, and the sources of the various assertions its adherents make in encounters with the police and with the courts.BookBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

Though many disavow the term, philosophically, nearly half a million Americans and a growing number of Canadians, Brits and Australians, identify as Sovereign Citizens. The Sovereign Citizen movement is a controversial and contentious ideology that challenges accepted notions of citizenship, government authority, and legal obligations. Sovereign Citizens, for instance, believe they are not constitutionally required to have a driver's license in order to drive, nor register or insure their vehicles. They deny the requirement to pay taxes, and they maintain that they are not under the authority of the police nor governed by federal, state or city laws. In a series of short and concise chapters, this book delves into this curious movement, its history, and the sources of the various assertions its adherents make in encounters with the police and with the courts.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

Want an inside look at a power hour with Ali? In this episode, Ali sits down with realtor Georgia Donovan to take an in-depth look at her brand and marketing. Time-stamps:Get to know Georgia (1:39)Transitions in brokerage (3:13)Rebranding Brand & Market (4:32)The most common mistakes that realtors make (10:26)Defining your ideal client (16:37)Creating a logo without a strategy (18:42)Georgia's neighborhood marketing strategy (20:43)Power Hour (30:41)Summarizing your brand in one sentence (31:37)Incorporating your new business name into your marketing (37:34)Website feedback and advice (39:42)The branding opportunities you might be missing (44:58)Branding advice Ali wishes you would follow (55:07)Mentioned in This Episode:Georgia Instagram: @realtor.geeGeorgia Website: Realtorgee.comSchedule a Power Hour with Ali!Website: brandandmarket.coInstagram: instagram.com/brandandmarket.co

Summarizing the rapture (part 2)- We can be confident in the biblical teachings of the imminent return of Christ and the rapture of the church. Paul said he did not want us to be ignorant regarding these topics. Did the early church believe in a pre-tribulation rapture?

Summarizing the rapture- We can be confident in the biblical teachings of the imminent return of Christ and the rapture of the church. Paul said he did not want us to be ignorant regarding these topics. Did the early church believe in a pre-tribulation rapture?

It's taken for granted in the corrosion industry that zinc protects steel. But there's more than one way to put zinc on steel and more than one mechanism at work that makes it so protective. Kristen Blankenship returns to The Red Bucket to answer some big questions with even bigger implications:  What's zinc actually doing on painted, galvanized, and metalized surfaces?  How do these corrosion protection methods compare in terms of performance?  Does the standard "zinc-epoxy-urethane" coating system hold zinc-rich primers back from performing as well as they could on their own?  How many ISO 12944-9 testing cycles will it take before any corrosion appears on panels coated in a two-coat inorganic system?  Kristen also contemplates the deathbed of a lonely scientist.  00:00 – Intro  02:13 – A very brief history of cathodic protection  04:05 – Electron chemistry explains behavior  06:15 – Summarizing galvanizing, metalizing, and painting  14:15 – Silicate resin technology is understudied  15:47 – Comparing adhesion of each method  17:09 – Engineers understand paint differently than the other methods  20:16 – Surprising results from cyclic aging testing of a two-coat inorganic system  23:43 – Why is paint held to a higher standard?  26:48 – Zinc loading and a sustainability comparison  Find out more at https://carboline-tech-service-podcast.pinecast.co

FTCE 60 Sec Review: Using the 5W's to Summarize #ftce #readingstrategies Summary In this episode of FTCE Seminar, host Mercedes Musto discusses the importance of summarizing for the FTCE general knowledge reading subtest. She explains the concept of summarizing, its benefits for memory and comprehension, and introduces the five W's method (who, what, when, where, why) as a tool for effective summarization. Practical examples, including references to popular culture and historical texts, illustrate how to apply these techniques. The episode emphasizes the need for practice in mastering summarization skills to succeed in the teacher certification exam. For Full Chapters visit Episode 25 00:00 Introduction to Summarizing for the FTCE 02:54 Understanding the Five W's in Summarizing 06:13 Practical Application of Summarizing Techniques

Send us a textIs it needy to want to feel appreciated?  Or just a basic relationship need? in relationships?  The episode discusses over-giving tendencies, our need for affirmation, and helps you know when you need to speak up- or just validate yourself.  Whether you are dealing with a co-worker, client or spouse, this episode is going to help you know when you just need to be content and confident in what you have to offer- and when we need more reciprocity and balance.Here's what we're talking about:• Exploring the tension between self-validation and external appreciation• Recognizing when we may be over-giving in relationships• Understanding the importance of reciprocity and mutual recognition• Validating the desire for words of affirmation as a legitimate need• Communicating needs in relationships effectively• Summarizing key questions for self-reflection on giving and receiving• Introducing the upcoming Relationship Reset programRESET YOUR RELATIONSHIP STARTS SOON!here's the details: https://fun-cell-31288.myflodesk.com/klhjku65orHave a topic or question you'd love to hear about?Message me and let me know.email april@lovelossproject.comInstagram @with.love.aprilhttps://www.instagram.com/with.love.april/Sign up to get tips & tools sent to your inbox.https://aprilboyd.ca/ Please note: This show is not a replacement for therapy, assessment, treatment or diagnosis. This show is intended for educational and entertainment purposes only. See your physician, counsellor or local crisis support centre if neededAll identifying details about the people and the stories shared here are removed to protect confidentiality.

Today Brett Warren and I look at the key trends and challenges our property markets experienced in  2024 and share our outlook for 2025. We reflect on the unexpected resilience of the market despite rising interest rates, the influence of government policies on property investors, and the importance of demographic shifts. Takeaways The property market showed unexpected resilience in 2024. Government policies had a profound impact on property investors. Interest rates are expected to fall in 2025, and this will usher in the next phase of the property cycle. Quality properties will be in high demand as the market shifts. Demographic shifts will influence property demand and supply. Investors play a crucial role in providing rental housing but does the government recognize this . A strategic plan is essential for long-term investment success. First home buyers made up around 20% of all property transactions last year. Understanding market trends is vital for making informed investment decisions. Chapters 00:00 Reflecting on 2024: Trends and Surprises 04:06 Government Policies and Market Dynamics 06:57 Resilience in the Housing Market 10:00 Challenges for Property Investors 11:40 Looking Ahead: Key Trends for 2025 14:25 Demographic Shifts and Market Opportunities 17:08 Navigating Risks and Pitfalls in 2025 19:56 Summarizing 2024 and Future Strategies 24:31 The Power of Attitude and Change 25:30 Navigating Life's Winters 26:26 Becoming Stronger, Wiser, and Better 28:48 Special Offers and Resources for Listeners Links and Resources:   Michael Yardney  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Brett Warren - National Director of Property at Metropole   Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Collect your bundle of free eBooks and property reports – www.Podcastbonus.com.au  Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: What You Need to Know About the Property Market Before 2025 Really Hits with Brett Warren 

Dr. Alan Kurschner summarized the question on the millennial debate in the book of Revelation and briefly explained the two interpretive tools that he used to contribute original argumentation for premillennialism in the book of Revelation. Series link: https://www.alankurschner.com/category/revelation-1911-206-and-the-millennium/   Become a Ministry Partner: https://www.alankurschner.com/partner/      

In this company focused interview, we talk with Abdullah Al-Rezwan, known on Twitter as Mostly Borrowed Ideas. We focus on just two companies: Spotify and Lululemon. In our Spotify segment we cover what an investor would have thought in 2021 about Spotify without the ex post facto analysis and walk through developments in the audio company up to current day. Our Lululemon discussion is centered around the recent shift in market sentiment on the business and how valid the adverse risks are.  You can find more about MBI and become a member to his research service here.  *~*~*~*~*  Get access to all of Speedwell Research's in-depth Research Reports here. If you need help getting Speedwell added as an approved research vendor for your investment firm, please reach out to info@speedwellresearch.com  -*-*-*-*-*-*-*-*-*-*- Show Notes (0:00) — Intro Spotify Case Study (3:29) — Spotify Background and Original Investment Thesis (14:38) — Comparisons to Netflix  (21:41) — Spotify Advantages and Industry Dynamics (30:42) — Summarizing the Spotify Thesis (46:12) — What an investor could have seen in 2021 (53:32) — Pricing Discrimination and Pricing Power (57:45) — Clarifying the Bull Case (1:01:03) — Spotify Progress in 2023 (1:11:32) — Tech Risk Exposure   Studying the Lululemon Drawdown and Sentiment Shift (1:19:24) — Shifting to Lululemon (1:22:54) — Bear critiques are cliche (1:26:33) — Why is the Business so Successful?  (1:34:00) — Lululemon Bear Case and Rebuttal (1:45:17) — Alo and Lulu Consumer Preferences (1:47:14) — Risk and Making a Decision on Lulu (1:56:45) — Conclusion -*-*-*-*-*-*-*-*-*-*- Become a Speedwell Member here to gain access to *all* of our in-depth research reports and more!   Sign up for Speedwell's free newsletter and weekly memos here *~*~*~*~*  Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discussed. Furthermore, accounts contributors advise on may also have positions in companies discussed. Please see our full disclaimers here:  https://speedwellresearch.com/disclaimer/

Grandpa Bill's Grunts & Groans@billholt8792 Magoo's Redemption: A 2025 Christmas Carol" "Scrooge 2.0: Heart-Brain Coherence & Modern-Day Miracles" "From Grinch to Giver: The Power of Mnemonic Memory in 2025" "The Ghosts of Christmases Past, Present, and Future: A 2025 Perspective" "Unlocking Magoo's Potential: A Christmas Carol & the Magic of Memory" #ACarolForThe21stCentury, #MagooReborn, #HeartBrainCoherence, #MnemonicMemory, #PodcastLife, #ChristmasSpirit #2025Vision #BenevolentBusiness Grandpa Bill's Grunts & Groans @billholt8792 #GrandpaBill, #BHSalesKennelKelpHolisticHealingHour, BH Sales Kennel Kelp Holistic Healing Hour Podcast : Instilling and PRACTICING Calm -Peace-and Repose Weekly Guided Meditation: "A Christmas Carol" Revisited:https://www.buzzsprout.com/2222759/episodes/16319651 Summarizing the key plot points of "A Christmas Carol." Highlighting the significance of the three ghost visitations. Discussing how these visitations impacted Scrooge's character. Magoo's Transformation: Describing Magoo's initial personality and behavior. Explaining how the "A Christmas Carol" framework inspired his transformation. Detailing the role of Heart-Brain Coherence in this process. Modern-Day Scrooge: Illustrating how Magoo's transformation manifests in his 2025 life. Describing his new business practices and philanthropic endeavors. Emphasizing the positive impact of his transformation on himself and others. Mnemonic Magnetic Memory Methods & Podcasting: Explaining how GB utilizes Mnemonic Magnetic Memory Methods in my podcasting routine. Describing specific techniques GB employs e.g., visualization, keyword associations, storytelling. Discussing how these methods enhance your creativity, memory, and overall life experience. Grandpa Bill suggest revisiting the previous podcast episode relating to this topic: Encouraging listeners to explore Heart-Brain Coherence techniques. Suggesting you ALL revisit "A Christmas Carol" with a new perspective. Inviting listeners to share their own stories of transformation and personal growth. Mnemonic Magnetic Memory Techniques to Enhance Delivery: Visualization: Imagine yourself as Magoo, experiencing the ghost visitations and the subsequent transformation. Linking key concepts e.g., "Scrooge," "Heart-Brain Coherence," "2025 to vivid images & memorable stories. Storytelling: Weave your own personal story ,making it more relatable and engaging. Repetition: Repeat key phrases and concepts throughout the day to reinforce their importance. Mind Mapping: Creating a visual representation of the episode's structure and key ideas to aid in recall and delivery. By incorporating these techniques and focusing on the core message of "A Christmas Carol," you can create a compelling and insightful podcast episode that resonates with your audience. *COMMUNITY ADVOCACY-Speaking with passion and authenticity. Maintaining a HEALTHY conversational tone. Using clear and Concise language. Engaging with our audience through questioning and promoting interactive elements.

Dr. Alan Kurschner summarized the question on the millennial debate in the book of Revelation and briefly explained the two interpretive tools that he used to contribute original argumentation for premillennialism in the book of Revelation. Series link: https://www.alankurschner.com/category/revelation-1911-206-and-the-millennium/   Become a Ministry Partner: Become an Eschatos Partner by Giving Monthly       The post Summarizing the Millennial Question in the Book of Revelation appeared first on ESCHATOS MINISTRIES.

In Today's episode we chat with our good friend and co-mastermind member, Jason M. Barnard. He blew our minds when it c omes to SEO, Google, Personal Branding and much more. This guy has been outsmarting Google for 20 years, and he told us everything we need to know about it. I could not stop taking notes. This conversation made us rethink a lot of what we "know" about Google and how we show up online if we really want to create a positive impact in the world. Which, I'm assuming, you want to do! We talked how this frameworks are so simple to put in place, you can do it today if you want to. We discussed modern models of AI, and how they all suck when it comes to building your brand... yes, including Chat GPT... And we wrapped up the episode with how you can get all these resources, for free! It was so good, and actionable! We can't wait to hear from you! Timestamped Overview: 00:00 Google algorithm expert with superhero alter ego. 05:26 Incredible show and valuable insights shared. 07:34 Summarizing the text in 7 words: Discussing content organization and personal branding strategies. 10:27 Jason and coach conversation on self-definition simplification. 13:27 Curiosity about unique marketing approach in SEO. 18:05 Social media algorithms keep users engaged. 21:20 Algorithms guide users through the sales journey. 24:32 Identifying content categories for efficient problem-solving. 29:31 Google search guides users through educational journey. 30:44 Sysdig engines recommend Biz Bros for B2B podcast production, guiding users through the buying process. 35:00 Focus on solving big problems through smaller tasks. 38:16 Content generating profit—pipeline platform, collaboration, tracking. 42:26 Iterative process using GPT 4 to generate answers. 46:14 Sharing knowledge freely, nature can't be changed. 48:32 Consistent red shirt creates strong professional identity. 51:15 Wearing a red shirt can make connections. 54:39 Package branded marketing for search engines effectively. Connect With Jason M. Barnard: Facebook Instagram LinkedIn Twitter Connect with FONZI: Facebook Instagram LinkedIn Twitter Connect with LUISDA: Facebook Instagram LinkedIn Twitter Subscribe to the podcast on Youtube, Apple, Spotify, Google, Stitcher, or anywhere you listen to your podcasts. You can find this episode plus all previous episodes here. If this episode was helpful, please don't forget to leave us a review by clicking here, and share it with a friend.  You can go here to see the full list of episodes

Postgame coverage with Mike Benton, Al Kinisky, and Anders Hirst after the Seattle Kraken fell to the New Jersey Devils, 3-2 on Jan. 6 at Climate Pledge Arena. 

This week, Greg Lambert sits down with Tom Dunlop, CEO and founder of Summize, and Laura Proctor, Chief Marketing Officer, to explore the evolution and impact of Summize in the contract lifecycle management (CLM) space. From its innovative beginnings to its strategic positioning in a competitive market, this discussion unveils the strategies, challenges, and future trends shaping legal technology. Tom Dunlop shares the frustrations that sparked the idea for Summize, recounting his days as an in-house lawyer overwhelmed by the manual review of locked PDF contracts during due diligence. “It was painstaking,” Tom recalls, “I knew there had to be a better way.” Teaming up with a software engineer, he sought to create a tool that could generate instant, usable summaries of contracts. Thus, Summize was born, tackling not only legal pain points but also bridging communication gaps between legal teams and broader business units. Laura Proctor highlights Summize's unique approach to embedding its tools within widely used platforms like Microsoft Word, Slack, and Teams. This strategy ensures lawyers and business users can collaborate seamlessly without leaving their existing workflows. “Why ask lawyers to leave Word when they already love working there?” Laura explains, emphasizing Summize's commitment to user-centric design. This integration not only enhances efficiency but also shifts the perception of legal teams from bottlenecks to enablers. Central to Summize's implementation is their “Hero Framework,” a three-step process designed to reduce legal bottlenecks, enhance efficiency, and track progress with actionable analytics. Tom explains, “We focus on reducing low-value, high-volume tasks, enabling self-service for the business, and then optimizing legal workflows.” This framework has even led to unexpected benefits, such as elevating the “personal brand” of legal teams within organizations. Laura delves into the differences between US and UK markets, noting that US buyers often have prior experience with CLM tools, while UK customers may be making their first purchase. This distinction shapes Summize's marketing and implementation strategies, with a focus on ensuring rapid time-to-value and addressing previous pain points. “In the US, it's about reassurance and quick wins,” she explains, highlighting the importance of tailoring approaches to meet varying customer needs. Looking ahead, Tom envisions a future where AI moves beyond single tasks to orchestrate complex workflows, potentially disrupting the billable hour model and democratizing access to legal knowledge. “If we can monetize legal knowledge rather than time, we could 10x the market,” he predicts. Laura adds that Summize will continue leaning into creativity and differentiation in an increasingly crowded market, ensuring their solutions remain bold and memorable. This episode is a deep dive into the innovative strategies that are redefining CLM and the broader legal tech landscape. From the practical application of AI to enhancing legal collaboration, Summize offers a glimpse into the transformative potential of technology in the legal world. Listen on mobile platforms:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠   Blue Sky: @glambertpod @marlgeb⁠⁠⁠⁠⁠Email: geekinreviewpodcast@gmail.comMusic: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jerry David DeCicca⁠⁠⁠⁠⁠⁠⁠⁠ TRANSCRIPT

Original Release Date November 19, 2024: On the second part of a two-part roundtable, our panel gives its 2025 preview for the housing and mortgage landscape, the US Treasury yield curve and currency markets.----- Transcript -----Andrew Sheets: 2024 was a year of transition for economies and global markets. Central banks began easing interest rates, U.S. elections signaled significant policy change, and Generative AI made a quantum leap in adoption and development.Thank you for listening throughout 2024, as we navigated the issues and events that shaped financial markets, and society. We hope you'll join us next year as we continue to bring you the most up to date information on the financial world. This week, please enjoy some encores of episodes over the last few months and we'll be back with all new episodes in January. From all of us on Thoughts on the Market, Happy Holidays, and a very Happy New Year. Vishy Tirupattur: Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. This is part two of our special roundtable discussion on what's ahead for the global economy and markets in 2025.Today we will cover what is ahead for government bonds, currencies, and housing. I'm joined by Matt Hornbach, our Chief Macro Strategist; James Lord, Global Head of Currency and Emerging Market Strategy; Jay Bacow, our co-head of Securitized Product Strategy; and Jim Egan, the other co-head of Securitized Product Strategy.It's Tuesday, November 19th, at 10am in New York.Matt, I'd like to go to you first. 2024 was a fascinating year for government bond yields globally. We started with a deeply inverted US yield curve at the beginning of the year, and we are ending the year with a much steeper curve – with much of that inversion gone. We have seen both meaningful sell offs and rallies over the course of the year as markets negotiated hard landing, soft landing, and no landing scenarios.With the election behind us and a significant change of policy ahead of us, how do you see the outlook for global government bond yields in 2025?Matt Hornbach: With the US election outcome known, global rate markets can march to the beat of its consequences. Central banks around the world continue to lower policy rates in our economist baseline projection, with much lower policy rates taking hold in their hard landing scenario versus higher rates in their scenarios for re-acceleration.This skew towards more dovish outcomes alongside the baseline for lower policy rates than captured in current market prices ultimately leads to lower government bond yields and steeper yield curves across most of the G10 through next year. Summarizing the regions, we expect treasury yields to move lower over the forecast horizon, helped by 75 [basis points] worth of Fed rate cuts, more than markets currently price.We forecast 10-year Treasury yields reaching 3 and 3.75 per cent by the middle of next year and ending the year just above 3.5 per cent.Our economists are forecasting a pause in the easing cycle in the second half of the year from the Fed. That would leave the Fed funds rate still above the median longer run dot.The rationale for the pause involves Fed uncertainty over the ultimate effects of tariffs and immigration reform on growth and inflation.We also see the treasury curve bull steepening throughout the forecast horizon with most of the steepening in the first half of the year, when most of the fall in yields occur.Finally, on break even inflation rates, we see five- and 10-year break evens tightening slightly by the middle of 2025 as inflation risks cool. However, as the Trump administration starts implementing tariffs, break evens widen in our forecast with the five- and 10-year maturities reaching 2.55 per cent and 2.4 per cent respectively by the end of next year.As such, we think real yields will lead the bulk of the decline in nominal yields in our forecasting with the 10-year real yield around 1.45 per cent by the middle of next year; and ending the year at 1.15 per cent.Vishy Tirupattur: That's very helpful, Matt. James, clearly the incoming administration has policy choices, and their sequencing and severity will have major implications for the strength of the dollar that has rallied substantially in the last few months. Against this backdrop, how do you assess 2025 to be? What differences do you expect to see between DM and EM currency markets?James Lord: The incoming administration's proposed policies could have far-reaching impacts on currency markets, some of which are already being reflected in the price of the dollar today. We had argued ahead of the election that a Republican sweep was probably the most bullish dollar outcome, and we are now seeing that being reflected.We do think the dollar rally continues for a little bit longer as markets price in a higher likelihood of tariffs being implemented against trading partners and there being a risk of additional deficit expansion in 2025. However, we don't really see that dollar strength persisting for long throughout 2025.So, I think that is – compared to the current debate, compared to the current market pricing – a negative dollar catalyst that should get priced into markets.And to your question, Vishy, that there will be differences with EM and also within EM as well. Probably the most notable one is the renminbi. We have the renminbi as the weakest currency within all of our forecasts for 2025, really reflecting the impact of tariffs.We expect tariffs against China to be more consequential than against other countries, thus requiring a bigger adjustment on the FX side. We see dollar China, or dollar renminbi ending next year at 7.6. So that represents a very sharp divergence versus dollar yen and the broader DXY moves – and is a consequence of tariffs.And that does imply that the Fed's broad dollar index only has a pretty modest decline next year, despite the bigger move in the DXY. The rest of Asia will likely follow dollar China more closely than dollar yen, in our view, causing AXJ currencies to generally underperform; versus CMEA and Latin America, which on the whole do a bit better.Vishy Tirupattur: Jay, in contrast to corporate credit, mortgage spreads are at or about their long-term average levels. How do you expect 2025 to pan out for mortgages? What are the key drivers of your expectations, and which potential policy changes you are most focused on?Jay Bacow: As you point out, mortgage spreads do look wide to corporate spreads, but there are good reasons for that. We all know that the Fed is reducing their holdings of mortgages, and they're the largest holder of mortgages in the world.We don't expect Fed balance sheet reduction of mortgages to change, even if they do NQT, as is our forecast in the first quarter of 2025. When they NQT, we expect mortgage runoff to continue to go into treasuries. What we do expect to change next year is that bank demand function will shift. We are working under the assumption that the Basel III endgame either stalls under the next administration or gets released in a way that is capital neutral. And that's going to free up excess capital for banks and reduce regulatory uncertainty for them in how they deploy the cash in their portfolios.The one thing that we've been waiting for is this clarity around regulations. When that changes, we think that's going to be a positive, but it's not just banks returning to the market.We think that there's going to be tailwinds from overseas investors that are going to be hedging out their FX risks as the Fed cuts rates, and the Bank of Japan hikes, so we expect more demand from Japanese life insurance companies.A steeper yield curve is going to be good for REIT demand. And these buyers, banks, overseas REITs, they typically buy CUSIPs, and that's going to help not just from a demand side, but it's going to help funding on mortgages improve as well. And all of those things are going to take mortgage spreads tighter, and that's why we are bullish.I also want to mention agency CMBS for a moment. The technical pressure there is even better than in single family mortgages. The supply story is still constrained, but there is no Fed QT in multifamily. And then also the capital that's going to be available for banks from the deregulation will allow them – in combination with the portfolio layer hedging – to add agency CMBS in a way that they haven't really been adding in the last few years. So that could take spreads tighter as well.Now, Vishy, you also mentioned policy changes. We think discussions around GSE reform are likely to become more prevalent under the new administration.And we think that given that improved capitalization, depending on the path of their earnings and any plans to raise capital, we could see an attempt to exit conservatorship during this administration.But we will simply state our view that any plan that results in a meaningful change to the capital treatment – or credit risk – to the investors of conventional mortgages is going to be too destabilizing for the housing finance markets to implement. And so, we don't think that path could go forward.Vishy Tirupattur: Thanks, Jay. Jim, it was a challenging year for the housing market with historically high levels of unaffordability and continued headwinds of limited supply. How do you see 2025 to be for the US housing market? And going beyond housing, what is your outlook for the opportunity set in securitized credit for 2025?James Egan: For the housing market, the 2025 narrative is going to be one about absolute level versus the direction and rate of change. For instance, Vishy, you mentioned affordability. Mortgage rates have increased significantly since the beginning of September, but it's also true that they're down roughly a hundred basis points from the fourth quarter of 2023 and we're forecasting pretty healthy decreases in the 10-year Treasury throughout 2025. So, we expect affordability to improve over the coming year. Supply? It remains near historic lows, but it's been increasing year to date.So similar to the affordability narrative, it's more challenged than it's been in decades; but it's also less challenged than it was a year ago.So, what does all this mean for the housing market as we look through 2025? Despite the improvements in affordability, sales volumes have been pretty stagnant this year. Total volumes – so existing plus new volumes – are actually down about 3 per cent year to date. And look, that isn't unusual. It typically takes about a year for sales volumes to pick up when you see this kind of significant affordability improvement that we've witnessed over the past year, even with the recent backup in mortgage rates.And that means we think we're kind of entering that sweet spot for increased sales now. We've seen purchase applications turn positive year over year. We've seen pending home sales turn positive year over year. That's the first time both of those things have happened since 2021. But when we think about how much sales 2025, we think it's going to be a little bit more curtailed. There are a whole host of reasons for that – but one of them the lock in effect has been a very popular talking point in the housing market this year. If we look at just the difference between the effective mortgage rate on the outstanding universe and where you can take out a mortgage rate today, the universe is still over 200 basis points out of the money.To the upside, you're not going to get 10 per cent growth there, but you're going to get more than 5 per cent growth in new home sales. And what I really want to emphasize here is – yes, mortgage rates have increased recently. We expect them to come down in 2025; but even if they don't, we don't think there's a lot of room for downside to existing home sales from here.There's some level of housing activity that has to happen, regardless of where mortgage rates or affordability are. We think we're there. Turnover measured as the number of transactions – existing transactions – as a share of the outstanding housing market is lower now than it was during the great financial crisis. It's as low as it's been in a little bit over 40 years. We just don't think it can fall that much further from here.But as we go through 2025, we do think it dips negative. We have a negative 2 per cent HPA call next year, not significantly down. We don't think there's a lot of room to the downside given the healthy foundation, the low supply, the strong credit standards in the housing market. But there is a little bit of negativity next year before home prices reaccelerate.This leaves us generically constructive on securitized products across the board. Given how much of the capital structure has flattened this year, we think CLO AAAs actually offer the best value amongst the debt tranches there. We think non-QM triple AAAs and agency MBS is going to tighten. They look cheap to IG corporates. Consumer ABS, we also think still looks pretty cheap to IG corporates. Even in the CMBS pace, we think there's opportunities. CMBS has really outperformed this year as rates have come down. Now our bull bear spread differentials are much wider in CMBS than they are elsewhere, but in our base case, conduit BBB minuses still offer attractive value.That being said, if we're going to go down the capital structure, our favorite expression in the securitized credit space is US CLO equity.Vishy Tirupattur: Thank you, Jay and Jim, and also Matt and James.We'll close it out here. As a reminder, if you enjoyed the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

The conversation this week is with David Wynn. David is the Principal Solution Architect at EdgeDelta and an enthusiast for all things technology.With a career spanning 15 years, including a pivotal role at Google Cloud for Games, David has cultivated a deep understanding of technical sales, solution architecture, and the transformative power of cloud services in the gaming industry and beyond. His unique perspective challenges the overreliance on AI, advocating for a balanced approach that leverages human ingenuity alongside technological advancements, especially in areas like observability.When he's not steering innovation, David revels in the vibrant geek culture of Atlanta and a regular at DragonCon, the largest multimedia popular culture convention focusing on science fiction and fantasy. His diverse interests span from technology to philosophyIf you are interested in learning about how AI is being applied across multiple industries, be sure to join us at a future AppliedAI Monthly meetup and help support us so we can make future Emerging Technologies North non-profit events!Emerging Technologies NorthAppliedAI MeetupResources and Topics Mentioned in this EpisodeEdgeDeltaDragonConSaturday Morning Breakfast Cereal by Zach Wiener Smith2024 CrowdStrike-related IT outagesAntithesisVector databaseK-means clusteringEnjoy!Your host,Justin Grammens

In this special end-of-year episode, we take a step back to reflect on the rollercoaster that was 2024 in the housing markets and gear up for what promises to be an equally fascinating 2025. And who better to do it with than Pete Wargent, one of Australia's most respected financial and housing market analysts? Together, we'll unpack the highs, lows, and surprises of this past year, and share the lessons we've learned over the past year and offer insights into what we can expect in 2025, including predictions for regional markets and potential risks for investors. Throughout our conversation you'll find that we emphasise the importance of maintaining a long-term perspective in property investment and crafting a solid strategy to navigate the evolving market landscape. Takeaways ·       2024 demonstrated the importance of having long-term investment strategies. ·       The housing market showed unexpected resilience in 2024. ·       Job market strength has been a significant surprise this year. ·       The rental crisis will continue to be a pressing issue in 2025. ·       Investors should focus on owning quality properties rather than quantity. ·       Construction costs are not increasing as much as they were before, but won't decrease in the long term. ·       Understanding market cycles is crucial for property investors. ·       Melbourne is emerging as a potentially undervalued market. ·       Having a clear investment plan is essential for investment success.  Chapters 00:00 Reflecting on 2024: A Year in Review 08:45 The Impact of Interest Rates on Property 15:10 Challenges Faced by the Property Market 21:33 Looking Ahead: Predictions for 2025 27:29 Summarizing 2024: Resilience in the Market 29:40 The Impact of Pessimism on Success 34:35 The Importance of Optimism and Teamwork 34:45 Introduction to Real Estate Investment 34:46 Understanding Market Trends and Analysis   Links and Resources:   Metropole's Strategic Property Plan – to help both beginning and experienced investors  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Pete Wargent's blog    Pete Wargent's new book, The Buy Right Approach to Property Investing    Pete's other book – The New Wealth Way    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   

2024 was a breakout year for crypto, with Bitcoin, Ethereum, and Solana outperforming traditional assets and spot Bitcoin ETFs attracting $31.7 billion in record inflows. Coinbase surged toward S&P 500 inclusion, stablecoins doubled, and tokenized real-world assets began their rise. Nations embraced Bitcoin as a reserve asset, and AI-driven memecoins fueled fresh mania. Bitwise calls 2024 a prelude to 2025—a year poised to redefine crypto's place in global finance. Bitwise's Chief Investment Officer, Matt Hougan and Head of Research, Ryan Rasmussen join us to share Bitwise's top 10 2025 Predictions. Trust us anon, you don't want to miss this.   ------

For a little more than five years and 105 episodes, I have been podcasting on what I believe everyone can and should know about war and sometimes more specifically the characteristics of the persistent conflict we see in the world around us. Almost every week, something develops that want to explain by placing it within the context of the enduring nature of war – and the pursuit of peace. That said, I think that I have just about said everything that needs to be said explaining what war is, how it is unchanging in nature, and how even the changing characteristics of war demonstrate war's unchanging nature. In trying to respond to emerging events, this description was not laid out in any sort of logical framework. So, in the next few episodes I will try to summarize the key points, or takeaways, of the past hundred plus episodes, in a way that does provide that logical framework.   The opinions in these podcasts are my own and do not necessarily represent the opinion of the Department of Defense, anyone else in the U.S. Government, or any other organization I am or ever have been associated with. Music: Copland, A. & United States Marine Band. (2000) Fanfare for the Common Man. unpublished, Washington, DC. [Audio] Retrieved from the Library of Congress, (Fair use for educational purposes.) The Army Strings, GarryOwen (Traditional) (Public Domain) Kilstoffe, Jens, The Cavalry, Machinamasound (Licensed)

Marjory Wildcraft Grandpa Bill's Grunts & Groans @billholt8792  A Collaborative Effort for Sustainable Growth Grandpa Bill is re-introducing the concept of sustainable agriculture and the importance of soil health. Personal Connection: Sharing your my personal journey with kelp and its transformative power in agriculture. Problem Statement: Highlighting the challenges faced by small businesses, particularly those in the sustainable agriculture sector. The Spotlight: The Grow Network Company Background: Briefly introducing the company and its mission. The Product: Detail the unique benefits of their kelp-based soil amendment product. The Challenge: Discussing the specific challenges the company is currently facing (e.g., funding, marketing, distribution). The Call to Action: A Collaborative Approach Direct Appeal: Clearly stating our request for donations to support the company. The Impact of Donations: Explaining how donations will directly contribute to the company's growth and sustainability. The Power of Community: Emphasizing the collective impact of supporting small businesses and sustainable practices. Summarizing the key points of the episode. Call to Action: Reiterating the donation request and providing contact information. Inspiring Message: Ending on a positive note, highlighting the potential for positive change and the importance of supporting sustainable initiatives. #SustainableAgriculture #SoilHealth #KelpPower #SmallBusiness #SupportLocal #CommunityDriven #GiveBack #Philanthropy #GreenFuture,#TheGrowNetwork,#Marjory Wildcraft, Nurturing Growth: A Call to Action for Sustainable Agriculture From the Sea to the Soil: Supporting a Kelp-Powered Future Growing Together: A Collaborative Effort to Empower Small Businesses DO YOU AMEND YOUR SOIL? LEAVE YOUR COMMENTS HERE AND AT THEBH SALES KENNEL KELP HOLISTIC HEALING HOUR PODCAST The BH Sales Kennel Kelp Holistic Healing Hour Virtual Mall Welcome to the BH Sales Kennel Kelp Holistic Healing Hour Virtual Mall! Join Grandpa Bill, your friendly guide to holistic health and well-being, as he curates a collection of trusted resources for your journey towards a healthier, happier you. Here, you'll find links to some of Grandpa Bill's favorite vendors and guests who have shared their expertise on the BH Sales Kennel Kelp Holistic Healing Hour podcast and YouTube channel. Grandpa Bill: Website: https://www.7kmetals.com/grandpabill YouTube: Bill Holt@billholt8792 Social Media: https://www.facebook.com/bill.sales.524 Social Media: https://www.instagram.com/bradybrodyboy12/ Voicemail Message Board: https://podcasters.spotify.com/pod/show/bhsales Disclaimer: This content is provided for informational purposes only and does not intend to substitute professional medical advice, diagnosis, or treatment. Join Us Every Tuesday at 6 PM EST! Featured Vendors: Patriot Supply Link: https://mypatriotsupply.com/?rfsn=5615494.137cb6 Health Ranger Link: https://www.healthrangerstore.com/?rfsn=301296.96452b2&utm_source=HR_Affiliate&utm_campaign=14708&utm_affiliate=301296 Healer.com: https://www.HealerCBD.com/?ref=11 Sharon Little - New Vibe Holistic Healing: https://newvibeholistichealing.myshopify.com/ Tam Veilleux - #HealingSpa, #HolisticHealing, #Wellness, #SelfCare, #BrunswickMaine: Information-https://healingspamaine.com Tim Doyle - Path to Oneness: https://thepathtooneness.com/ Byron Athene: https://byronathene.com/ Isabella Thor, NLP: https://isabellathor.com/ Seth Leaf Pruzansky - Freedom Snap: https://freedomsnap.org/Seth/ https://www.imawakenowwhat.com/ Holistic Actions: https://www.holisticactions.com Dr. Anthony Metivier - Magnetic Memory Method: https://www.magneticmemorymethod.com/ Raquel Spring: https://www.raquelspring.com/ Dr. Christiane Northrup: https://truenorthdr.substack.com Catch up on past episodes of the BH Sales Kennel Kelp Holistic Healing Hour on the links above and discover even more amazing resources for your holistic journey!

Black Friday 2024 is here! https://click.helloaudio.fm/bfCurious about creating educational content that truly supports neurodivergent entrepreneurs?In this episode, we sit down with Claire Paniccia, a business coach and the innovative mind behind the Neurodiverse Entrepreneur Summit and Brain Friendly Business coaching program. Claire dives into her journey of discovering private podcasts and reveals how she has successfully woven this medium into her coaching to serve her clients in a more impactful way.Timestamps:[0:00] Introduction to the episode and the impact of private podcasts in education for Claire Paniccia's neurodivergent entrepreneurs[3:22] Claire explains the challenges neurodivergent learners face with traditional video-based learning formats[6:03] The shift to offering accessible private podcast versions of course content[7:21] Feedback from Claire's audience about the accessibility of private podcasts[9:36] Claire details the structure of her annual Neurodiverse Entrepreneur Summit[13:38] Expiring content format for private podcasts to enhance event exclusivity[16:38] Summarizing data analysis and the effect of extended timers on sales conversions[20:05] The importance of community for neurodivergent entrepreneurs and summit success[22:30] Claire shares her approach to repeat summits and tracking key data points[23:45] Experimenting with content structure in private podcasts to improve attendee experience[27:18] Discussing private podcasts as an alternative to traditional public podcasts[33:22] Claire explains why podcasting works for ADHD and autistic brains needing higher stimulation[35:56] Exploring the concept of learning preferences versus learning styles for ADHD brains[37:08] Final thoughts on how private podcasts increase content accessibility and engagementLinks mentioned:https://www.instagram.com/claire.paniccia/https://clairepaniccia.comhttps://neurodiverseentrepreneursummit.comhttps://clairepaniccia.com/neurospicy

Description: Biblical mental toughness: your key to optimal health and wellness! This episode explores how faith-fueled resilience can enhance your physical vitality and emotional balance. Uncover the scriptural principles behind unshakeable mental strength and learn to apply them for better health outcomes. From stress management to healing, discover how biblical mental toughness can transform your wellness journey! Elevate your health through faith-based resilience! Subscribe for more Christian wellness tips. Time Stamps: 3:15 - Insights from Novak Djokovic on mental toughness practices 7:41 - The importance of focusing on the task at hand, like airline pilots and athletes 13:33 - The origin of thoughts and the role of spiritual warfare 15:12 - Contrasting the biblical view of thought origins with Eckhart Tolle's perspective 21:00 - Distinguishing between godly thoughts and satanic thoughts 22:15 - Practical steps to take thoughts captive and reject harmful thoughts 23:45 - Summarizing the key principles of mental toughness and spiritual warfare Links: Full Show Notes Page More episodes: Podcast Hompage For a Copy of David's Book: The Christian's Guide to Holistic Health Ask David a question to be answered on an upcoming episode: Ask Me Anything Would you like to be on the Show? Schedule a Lifestyle Audit Instagram Facebook Youtube

On the second part of a two-part roundtable, our panel gives its 2025 preview for the housing and mortgage landscape, the US Treasury yield curve and currency markets.----- Transcript -----Vishy Tirupattur: Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. This is part two of our special roundtable discussion on what's ahead for the global economy and markets in 2025.Today we will cover what is ahead for government bonds, currencies, and housing. I'm joined by Matt Hornbach, our Chief Macro Strategist; James Lord, Global Head of Currency and Emerging Market Strategy; Jay Bacow, our co-head of Securitized Product Strategy; and Jim Egan, the other co-head of Securitized Product Strategy.It's Tuesday, November 19th, at 10am in New York.Matt, I'd like to go to you first. 2024 was a fascinating year for government bond yields globally. We started with a deeply inverted US yield curve at the beginning of the year, and we are ending the year with a much steeper curve – with much of that inversion gone. We have seen both meaningful sell offs and rallies over the course of the year as markets negotiated hard landing, soft landing, and no landing scenarios.With the election behind us and a significant change of policy ahead of us, how do you see the outlook for global government bond yields in 2025?Matt Hornbach: With the US election outcome known, global rate markets can march to the beat of its consequences. Central banks around the world continue to lower policy rates in our economist baseline projection, with much lower policy rates taking hold in their hard landing scenario versus higher rates in their scenarios for re-acceleration.This skew towards more dovish outcomes alongside the baseline for lower policy rates than captured in current market prices ultimately leads to lower government bond yields and steeper yield curves across most of the G10 through next year. Summarizing the regions, we expect treasury yields to move lower over the forecast horizon, helped by 75 [basis points] worth of Fed rate cuts, more than markets currently price.We forecast 10-year Treasury yields reaching 3 and 3.75 per cent by the middle of next year and ending the year just above 3.5 per cent.Our economists are forecasting a pause in the easing cycle in the second half of the year from the Fed. That would leave the Fed funds rate still above the median longer run dot.The rationale for the pause involves Fed uncertainty over the ultimate effects of tariffs and immigration reform on growth and inflation.We also see the treasury curve bull steepening throughout the forecast horizon with most of the steepening in the first half of the year, when most of the fall in yields occur.Finally, on break even inflation rates, we see five- and 10-year break evens tightening slightly by the middle of 2025 as inflation risks cool. However, as the Trump administration starts implementing tariffs, break evens widen in our forecast with the five- and 10-year maturities reaching 2.55 per cent and 2.4 per cent respectively by the end of next year.As such, we think real yields will lead the bulk of the decline in nominal yields in our forecasting with the 10-year real yield around 1.45 per cent by the middle of next year; and ending the year at 1.15 per cent.Vishy Tirupattur: That's very helpful, Matt. James, clearly the incoming administration has policy choices, and their sequencing and severity will have major implications for the strength of the dollar that has rallied substantially in the last few months. Against this backdrop, how do you assess 2025 to be? What differences do you expect to see between DM and EM currency markets?James Lord: The incoming administration's proposed policies could have far-reaching impacts on currency markets, some of which are already being reflected in the price of the dollar today. We had argued ahead of the election that a Republican sweep was probably the most bullish dollar outcome, and we are now seeing that being reflected.We do think the dollar rally continues for a little bit longer as markets price in a higher likelihood of tariffs being implemented against trading partners and there being a risk of additional deficit expansion in 2025. However, we don't really see that dollar strength persisting for long throughout 2025.So, I think that is – compared to the current debate, compared to the current market pricing – a negative dollar catalyst that should get priced into markets.And to your question, Vishy, that there will be differences with EM and also within EM as well. Probably the most notable one is the renminbi. We have the renminbi as the weakest currency within all of our forecasts for 2025, really reflecting the impact of tariffs.We expect tariffs against China to be more consequential than against other countries, thus requiring a bigger adjustment on the FX side. We see dollar China, or dollar renminbi ending next year at 7.6. So that represents a very sharp divergence versus dollar yen and the broader DXY moves – and is a consequence of tariffs.And that does imply that the Fed's broad dollar index only has a pretty modest decline next year, despite the bigger move in the DXY. The rest of Asia will likely follow dollar China more closely than dollar yen, in our view, causing AXJ currencies to generally underperform; versus CMEA and Latin America, which on the whole do a bit better.Vishy Tirupattur: Jay, in contrast to corporate credit, mortgage spreads are at or about their long-term average levels. How do you expect 2025 to pan out for mortgages? What are the key drivers of your expectations, and which potential policy changes you are most focused on?Jay Bacow: As you point out, mortgage spreads do look wide to corporate spreads, but there are good reasons for that. We all know that the Fed is reducing their holdings of mortgages, and they're the largest holder of mortgages in the world.We don't expect Fed balance sheet reduction of mortgages to change, even if they do NQT, as is our forecast in the first quarter of 2025. When they NQT, we expect mortgage runoff to continue to go into treasuries. What we do expect to change next year is that bank demand function will shift. We are working under the assumption that the Basel III endgame either stalls under the next administration or gets released in a way that is capital neutral. And that's going to free up excess capital for banks and reduce regulatory uncertainty for them in how they deploy the cash in their portfolios.The one thing that we've been waiting for is this clarity around regulations. When that changes, we think that's going to be a positive, but it's not just banks returning to the market.We think that there's going to be tailwinds from overseas investors that are going to be hedging out their FX risks as the Fed cuts rates, and the Bank of Japan hikes, so we expect more demand from Japanese life insurance companies.A steeper yield curve is going to be good for REIT demand. And these buyers, banks, overseas REITs, they typically buy CUSIPs, and that's going to help not just from a demand side, but it's going to help funding on mortgages improve as well. And all of those things are going to take mortgage spreads tighter, and that's why we are bullish.I also want to mention agency CMBS for a moment. The technical pressure there is even better than in single family mortgages. The supply story is still constrained, but there is no Fed QT in multifamily. And then also the capital that's going to be available for banks from the deregulation will allow them – in combination with the portfolio layer hedging – to add agency CMBS in a way that they haven't really been adding in the last few years. So that could take spreads tighter as well.Now, Vishy, you also mentioned policy changes. We think discussions around GSE reform are likely to become more prevalent under the new administration.And we think that given that improved capitalization, depending on the path of their earnings and any plans to raise capital, we could see an attempt to exit conservatorship during this administration.But we will simply state our view that any plan that results in a meaningful change to the capital treatment – or credit risk – to the investors of conventional mortgages is going to be too destabilizing for the housing finance markets to implement. And so, we don't think that path could go forward.Vishy Tirupattur: Thanks, Jay. Jim, it was a challenging year for the housing market with historically high levels of unaffordability and continued headwinds of limited supply. How do you see 2025 to be for the US housing market? And going beyond housing, what is your outlook for the opportunity set in securitized credit for 2025?James Egan: For the housing market, the 2025 narrative is going to be one about absolute level versus the direction and rate of change. For instance, Vishy, you mentioned affordability. Mortgage rates have increased significantly since the beginning of September, but it's also true that they're down roughly a hundred basis points from the fourth quarter of 2023 and we're forecasting pretty healthy decreases in the 10-year Treasury throughout 2025. So, we expect affordability to improve over the coming year. Supply? It remains near historic lows, but it's been increasing year to date.So similar to the affordability narrative, it's more challenged than it's been in decades; but it's also less challenged than it was a year ago.So, what does all this mean for the housing market as we look through 2025? Despite the improvements in affordability, sales volumes have been pretty stagnant this year. Total volumes – so existing plus new volumes – are actually down about 3 per cent year to date. And look, that isn't unusual. It typically takes about a year for sales volumes to pick up when you see this kind of significant affordability improvement that we've witnessed over the past year, even with the recent backup in mortgage rates.And that means we think we're kind of entering that sweet spot for increased sales now. We've seen purchase applications turn positive year over year. We've seen pending home sales turn positive year over year. That's the first time both of those things have happened since 2021. But when we think about how much sales 2025, we think it's going to be a little bit more curtailed. There are a whole host of reasons for that – but one of them the lock in effect has been a very popular talking point in the housing market this year. If we look at just the difference between the effective mortgage rate on the outstanding universe and where you can take out a mortgage rate today, the universe is still over 200 basis points out of the money.To the upside, you're not going to get 10 per cent growth there, but you're going to get more than 5 per cent growth in new home sales. And what I really want to emphasize here is – yes, mortgage rates have increased recently. We expect them to come down in 2025; but even if they don't, we don't think there's a lot of room for downside to existing home sales from here.There's some level of housing activity that has to happen, regardless of where mortgage rates or affordability are. We think we're there. Turnover measured as the number of transactions – existing transactions – as a share of the outstanding housing market is lower now than it was during the great financial crisis. It's as low as it's been in a little bit over 40 years. We just don't think it can fall that much further from here.But as we go through 2025, we do think it dips negative. We have a negative 2 per cent HPA call next year, not significantly down. We don't think there's a lot of room to the downside given the healthy foundation, the low supply, the strong credit standards in the housing market. But there is a little bit of negativity next year before home prices reaccelerate.This leaves us generically constructive on securitized products across the board. Given how much of the capital structure has flattened this year, we think CLO AAAs actually offer the best value amongst the debt tranches there. We think non-QM triple AAAs and agency MBS is going to tighten. They look cheap to IG corporates. Consumer ABS, we also think still looks pretty cheap to IG corporates. Even in the CMBS pace, we think there's opportunities. CMBS has really outperformed this year as rates have come down. Now our bull bear spread differentials are much wider in CMBS than they are elsewhere, but in our base case, conduit BBB minuses still offer attractive value.That being said, if we're going to go down the capital structure, our favorite expression in the securitized credit space is US CLO equity.Vishy Tirupattur: Thank you, Jay and Jim, and also Matt and James.We'll close it out here. As a reminder, if you enjoyed the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Join us as we celebrate one year of OPT and releasing the 2024 Homebuilder Online Follow-Up Survey ("Secret Shop") results with a special live episode recorded November 6th. Jen Barkan is joined by Mike Lyon and Jessie Suggs to present key takeaways from our most comprehensive shop to date. The secret shop is designed to show homebuilder follow-up from the customer's perspective. Topic of Today: Secret Shop Results! (4:15)The origins of the online follow-up survey (and a fun fact about an auto dealer survey!)Logistics of how the shop and our partnership with Clear Evaluations Recapping response times and the year-over-year improvement -- 72% picked up the phone and made a phone call after the online submissionInitial response time key takeaways -- 44% of builders responded in under an hour How many times in a month were the online sales specialists touching leads?Personalization decreased year-over-year -- 29% of builders sent a video email How are online sales specialists opening the door for the organization in the live phone shop greeting? Opportunities for improvement in qualifying areas of the live phone shop Slowing down and taking your time through qualifying customers on the phone Jessie and Mike's take on the percentage of online sales specialists who were able to overcome objections Summarizing the handoff process (it's a hand-off, not a hand-hold!)Speed-to-lead is the biggest differentiator Key takeaways for improving each element of the secret shop 

Scott and Wes serve up ways developers can use AI tools like Claude, GitHub Copilot, and more to boost productivity. From error tracing to refactoring code and automating mundane tasks, they break down how AI can handle the heavy lifting so you can focus on the fun stuff! Show Notes 00:00 Welcome to Syntax! 01:23 Brought to you by Sentry.io. 01:43 Using AI tools effectively. 05:29 Stack trace reading and error finding. 08:37 San Francisco Syntax Meetup! 09:19 Research and validation. 12:19 Completing mundane tasks. 14:10 Refactoring. 18:56 Simple typescript. 20:29 Summarizing docs and source code. 23:56 Quick hits. Hit us up on Socials! Syntax: X Instagram Tiktok LinkedIn Threads Wes: X Instagram Tiktok LinkedIn Threads Scott: X Instagram Tiktok LinkedIn Threads Randy: X Instagram YouTube Threads

Philipp Bagus rejoins me to discuss his newest book, ‘Full Reserve Banking versus The Real Bills Doctrine'. This is his response to Juan Ramón Rallo, and in it we discuss: