Podcasts about Surplus

Amid news of oversupply and decreased demand, the wine industry has an opportunity to adapt to the changing market. Audra Cooper, Director of Grape Brokerage, and Eddie Urman, Central Coast Grape Broker at Turrentine Brokerage, discuss key grape and wine industry trends, from oversupply and vineyard removals to the growing necessity of sustainable certification. They explore regional dynamics, bulk wine market shifts, and future trends, emphasizing innovation, industry collaboration, and better marketing to stay competitive. 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Learn more at www.vineyardteam.org.   Transcript [00:00:00] Beth Vukmanic: Amid news of oversupply and decreased demand, the wine industry has an opportunity to adapt to the changing market. [00:00:11] Welcome to Sustainable Wine, growing with the Vineyard team, where we bring you the latest in science and research for the wine industry. I'm Beth Vukmanic executive director. [00:00:22] In today's podcast, Craig McMillan, critical resource Manager at Niner Wine Estates. With Longtime SIP Certified Vineyard, and the first ever SIP certified winery speaks with Audra Cooper, director of Grape Brokerage and Eddie Urman, central Coast Grape Broker At Turrentine Brokerage, [00:00:41] they discuss key grape and wine industry trends from oversupply to vineyard removals to the growing necessity of sustainable certification. They explore regional dynamics, bulk wine market shifts and future trends. Emphasizing innovation, industry collaboration, and better marketing to stay competitive. [00:01:01] If you love infield education and are on California Central Coast on April 25th, 2025, please join us at the fungicide spring tailgate hosted at Cal Poly. In San Luis Obispo, California, Dr. Shunping Ding will share updated results from a 2024 study on fungicide programs using bio fungicides and their impact on grape yield and berry chemistry. Then we'll visit the Cal Poly Vineyard to explore new powdered mildew management technologies and discuss fungicide spraying programs. With farmers from throughout the central coast to register, go to vineyard team.org/events or look for the link in the show notes. [00:01:44] Craig Macmillan: Our guests today are Audra Cooper. She's Director of Grape Brokerage with Turrentine Brokerage. And also, Eddie Urman, who's Central Coast Grape Broker with Turrentine Brokerage as well. And thanks for coming back. This is part two of a, of a, of an episode here. So, I really appreciate you folks making time to come back. [00:02:00] Audra Cooper: Thank you for having us back. We're excited to join you once again. [00:02:04] Eddie Urman: Yeah, thanks for having us. [00:02:05] Craig Macmillan: So Audra, let's start with you. In our last conversation . [00:02:17] And that was kind of where we left it that then started a conversation amongst the three of us afterward. We were like, okay, there's a lot more to talk about here. So let's do it. [00:02:24] Can you give some examples of what you mean by getting ahead of changes? [00:02:30] Audra Cooper: I think it's a sound business strategy to always try and stay ahead of the curve regardless of what component of business or what industry you're in, right? It's just a, a good strategy to have and a good philosophy to have. It's really important in this industry to continue to stay relevant and in order to stay relevant, you have to stay within the trend or ahead of the trend. [00:02:51] Being behind the eight ball is, never a good thing . You need to be ahead of the curve. A good example of that is sustainable certification. And we still have these discussions on the daily and Eddie, you can talk to this too about how often we have to talk about if you're not sustainably certified, you are cutting your buyer pool, probably roughly in half, as I mentioned in the previous podcast, and you're limiting yourself. [00:03:18] And the majority of the practices, most growers are probably already doing, and they're just not going through the certification process and getting that done. And if you look back a little over a decade ago, it was something that wineries were paying, you know, 25, 50 per ton more for, they were paying a premium. [00:03:36] And then it became more of a, this is really nice to have. And so more and more growers We're doing it as a point of differentiation in their marketing. And now today it's almost a necessity. It's no longer something that's necessarily going to get you a premium price for your grapes. It's also not necessarily a point of differentiation any longer. [00:03:55] It's a need to have. [00:03:57] Craig Macmillan: Yeah, Eddie, do you have anything to add to that? [00:03:59] Eddie Urman: No, I think that's a great example. , Audra offered up. [00:04:02] Craig Macmillan: So there's, trends around that, and there's a lot of certifications now, and I agree, I think a lot of folks don't need to be afraid of whatever the certification is, because you're probably doing a lot of those things already, a lot of common practices. [00:04:13] I think that's an interesting insight that now it's kind of becoming expected or certainly a requirement for a lot of wineries. [00:04:19] Let's talk about changes in acreage. That's where we left off last time when we were talking about the difference between vineyard removals, which have been suggested, recommended, et cetera, by a number of folks in the industry as we just are in oversupply period I've heard estimates that we may have 30 to 35, 000 acres of grapes, more than we need based on current demand. [00:04:40] how accurate do you think that is? , how bad is it on the supply side? [00:04:45] Audra Cooper: Well, I think you have a couple parts to that question, right? Let's dissect that a little bit and start with, we just got back from the Unified Wine Grape Symposium in Sacramento, and of course, during the State of the Industry, Jeff Bitter gave his annual synopsis of the nursery survey that they do annually on how many vines were sold, and they do a, A lot of data work in regards to what were removals and his number that he reported over the last two years was 37, 500 acres have been removed from the state of California. [00:05:15] He believes based on their research that another 50, 000 acres need to be removed to reach the point of balance, assuming that consumption stays at its current rate or drops just a tiny bit. [00:05:29] And when we look at our information internally, now we don't do a survey like Allied does, but we're tracking a lot of information, both with our winery partners as well as our grower partners in regards to who's doing what, and our number's a little bit higher, but we also go back four years technically going back to 2022, our number for the state of California is closer to about 50, 000 acres that have been removed, and, you know, I would argue that If consumption stays flat, certainly there will need more removals, but I don't know about 50, 000 acres more. [00:06:04] That seems like an awful lot of acres that need to be removed. If his numbers are right, that would put us back to Basically global recession numbers, which would be around 500, 000 acres bearing.  [00:06:16] Craig Macmillan: right. in the Grape Crush Report, which is an annual report that's put out by, uh, California Department Of Food and Agriculture and the National Agricultural Statistics Service, there is a non bearing acres section in there, which I always find very interesting. Are we able to glean anything from that data in terms of what's been sold, what we think's gonna go back in, et cetera? [00:06:39] I want to put a timestamp on this. So this is being recorded first week of February, 2025. So the unified was in 2025. The report that's coming out is going to be for the 2024 year. [00:06:48] What can we learn from that non bearing acreage report?  [00:06:51] Audra Cooper: So there's two different reports. the acreage report will be coming out a little bit later in the year. We're going to have our crush report come out on February 10. I think you can glean two pieces of information, but both are very similar. And that is how much acreage has actually been removed and how light the crop truly was, particularly in the coastal regions for 2024. [00:07:10] And so when we look at, for example, a 23 bearing and non bearing acreage information from the state of California they're reporting 446, 000 acres of bearing wine grapes. And if you take that at, say, 7 tons an acre, that's 3. 12 million tons. And we know with certainty at 7 tons an acre, That acreage seems pretty low. [00:07:35] It doesn't seem realistic. So unfortunately, because it's a voluntary report when it comes to bearing versus non bearing acres, I do think that the state's probably about two years behind on real data trends. And so unfortunately right now, if you were to use that report as, you know, an analysis of the industry, you'd probably be a bit off. [00:07:54] Craig Macmillan: got it, got it. Are there trends in what varieties are coming out and what varieties are going back in? Because that's often been the driving force for removals and replants, is chasing the marketplace. Are we seeing that kind of thing in California? [00:08:11] Audra Cooper: Yeah, you know, I'll I'll touch on this a little bit and then turn it over to Eddie. It's, it's really difficult to predict in our industry how and what and when to plant, right? Because you are following a trend and a trend that you're going to be lagging behind in trying to meet because of the amount of time it takes to get a crop and a crop that is productive. [00:08:31] And so oftentimes we're abridged, Yeah. Yeah. too far behind in regards to consumer trends. When we look at the central coast as a whole, there's certainly some segmented dynamics on what's being removed versus planted. And, you know, a good place to start, of course, is Paso. Eddie, do you want to talk a little bit more about that? [00:08:51] Eddie Urman: Yeah we do see some trends of, varieties, being pushed out more frequently than others. You know, for the Central Coast, a couple that come to mind are, Zin, Pinot Noir Merlot is one that historically came out. If it's still there, still going out, and then more specifically, old vines is probably the more specific categories. You are seeing a lot of Cab being pushed, that are old vines, but likely to go back into Cab if it gets replanted. [00:09:17] Audra Cooper: that's an interesting trend, because when we're looking at what was purchased based on the survey numbers that Jeff Bitter reported, he was talking about 12, 000 acres being planted based on their survey in 2024, and an overwhelming percentage was still red varietals, which really bucks the trend on what we're seeing observing boots on the ground. [00:09:41] What we've mainly been seeing planted are more alternative whites and niche whites like Grenache Blanc, Pinot Grigio Astrotico, you know, very specific alternative whites in which they're trending with DTC and kind of smaller producers. Certainly we still see some redevelopment of Cabernet as well as Pinot Noir and Chardonnay, not so much on the red blender side or Merlot. [00:10:06] Those seem to be being pulled out and not redeveloped. [00:10:09] Craig Macmillan: Are we seeing any changes or trends around Okay, I'm pushing out Cabernet. I'm going to replant Cabernet. , am I going to replant the same amount of Cabernet? Am I using this as an opportunity to plant new ground? Do we have any information about that kind of thing? [00:10:24] Audra Cooper: Yeah, I mean, to give you hard data would be challenging. I don't know that anyone really has, a hard, fast calculation of what they do and don't do in regards to, the varietal makeup of a redevelopment. And I do want to clarify, I think there's a common misconception, particularly in the coastal regions that This is new net acreage. [00:10:43] It's not new net acreage. A lot of this is redeveloped acreage, but it will be higher in productivity based on, you know, better vines, healthier vines, better spacing, new farming technology, and so forth. And so we'll have new net supply based off that acreage. In full production. When you look at the new developments, though, and it was save paso cab, for example, it's really difficult to say, Oh, well, let's do 50 percent cab and 50 percent red blenders. [00:11:14] I mean, that's a tough decision to make. And you're really making a a pretty risky bet. I think for most people, they're going to plant to the site and also to the trend in the market. And so oftentimes, for example, again, Paso Cab, you're still going to have Cabernet largely go back in on those redevelopments. [00:11:31] When you look at Santa Barbara County, I think they're diversifying a little bit more than they had been in the past. You're not largely just Chardonnay Pinot Cab. You're also seeing alternative reds and whites being planted in that area. Monterey County, when you look at that region, it tends to be a little bit more mixed bag, but still largely chardonnay then in the southern Monterey County area, cabernet and red blenders. [00:11:54] Craig Macmillan: Do you have anything to add to that, Eddie? [00:11:56] Eddie Urman: As far as the rate of what's going back in the ground, you know, in acres. I think as far as East Paso goes Monterey County, Santa Barbara County, we're seeing contraction as far as more acres coming out that are going back. The only area we do see more plantings that are new, it is in the West side of Paso. And it's substantial. I think there's a good amount of acres that have gone in the West side. [00:12:17] Being from the growing side, I think we always wanted to diversify away from Cabernet and Paso Robles specifically, but the reality is the majority of people still want to buy Cabernet. So if anything, I'm worried that growers expect other varieties to try to diversify their portfolio that might not match the demand. [00:12:37] Craig Macmillan: Right, right. And speaking of demand. , we're talking about land and grapes, what's the current state of the, the bulk wine market where you'd expect a lot of the sovers to go where are we kind of at and what do you think are going to be the impacts on the bulk wine market with the replanting? [00:12:53] Audra Cooper: currently right now, listed available with us is about 28 million gallons. We anticipate that it will climb to probably 30, maybe past 30 million gallons at the peak of listing this year, which is typically early summer. In large part, that's still 2023 vintage. However, we do still have some 21, 22, and of course now new 24 is being listed. [00:13:18] The rate of listing is not being eclipsed by the rate of, you know, attrition decline in regards to bulk wine being removed from the market, whether that's through sales or higher and better use internally for those who are listing it. So we still have an off kilter balance there and certainly dramatically an oversupply and that dynamics likely to continue for the next couple of years until we see consumption increase and, and therefore increasing demand for new products. [00:13:45] Typically when we've seen these large increases in availability, what's gotten us out of it is the negotiants who are developing new brands, particularly when we look back to the premiumization sector. We saw a lot of middle tiers, you know, the likes of Duckhorn and Joel Gott and several others who were growing programs that they may have had for a couple of years, but they were very small and they've broadened those to other Appalachians or California and went to the bulk market first to kind of grow those programs before they started grape contracting. [00:14:16] So we're going to need to start seeing that trend in order to clean that market up. [00:14:19] Craig Macmillan: And so that's, that's basically good news, you think, for the bulk wine supply going down the road. [00:14:23] Audra Cooper: I think. In the future, it is in the short term. It's rather painful to have that amount of availability, right? We've been tracking this for the better part of three decades, and there's never been a single calendar year in which we've carried this amount of inventory, particularly going into last harvest, it was the highest inventory we'd ever seen in our tracking. [00:14:44] Keep in mind that this is what's listed available for us. This is not going out and taking inventory of what everyone has in tank that they're not necessarily going to bottle or they don't have a program for. So you can easily maybe double that number and that's what the likely availability is. [00:15:03] Craig Macmillan: Eddie what do you think is going to happen with pricing on on bulk wine? Yeah, I know that you're a specialized in grapes. But obviously those growers are concerned about what's going to happen to those grapes. From the grower side, how attractive is it right now to turn product into bulk wine, do you think? [00:15:21] Eddie Urman: I would say it's very, very, very much not attractive. Uh, we would. Not advocate for that in most scenarios for growers at this time regarding bulk pricing, you know, bulk wine, obviously we have bulk people who have better insight than Audrey, but in general, it's not going to be good. We don't, we don't foresee an increase in price as. we're obviously seeing an increase in supply of bulk wine, that typically is going to still have more downward pressure on price. And as far as growers bulking wine, it's, I think, a very risky game right now. You know, bulk wine does have a life expectancy, to Audra's point earlier. And, know, if you bulk it now, you have to sell it eventually to make your money back. [00:16:02] And then on top of that, you have to carry those costs with today's interest rates.  [00:16:06] Craig Macmillan: Right, right. So, prices for bulk wine right now, I'm guessing have been on the decline for probably a couple of years. Is that accurate? [00:16:13] Audra Cooper: Yeah, that's an accurate statement. If I were to really think about how long they've been on the decline, I would say probably mid, mid calendar year 2023 is when we start to see the downturn of the market be very, you know, impactful on pricing and overall demand. And of course, increasing inventory is really when that trend started. [00:16:34] I want to kind of go back to what Eddie was talking about regarding you know growers making bulk wine and and how risky that is, you know, we have a saying internally and it's so Elementary, but it's so applicable to these times. Your first loss is typically your best loss or your least loss and so it's really important when you're looking at alternative to market Whether or not you're actually going to be able to optimize how much investment you have in that product, and more often than not, when you're making grapes into bulk wine as a grower, you're not going to have the wherewithal to compete with a competitive set, other wineries, or large growers whose business models incorporate making bulk wine as a producer. [00:17:15] So you really end up being on the losing end of that game. [00:17:19] Craig Macmillan: Eddie, do you see price pressure on growers? Are prices being negotiated down or contracts being changed or not renewed? And if so, does that vary by region, do you think? I know you specialize in the Central Coast, but just from what you know. [00:17:34] Eddie Urman: I think for the Central Coast, it's easy to say that there's still unfortunately more cancellations or evergreens being called and their contracts being executed. There is some activity of people being willing to look at stuff and even make offers, which is good news, but typically it's at a lower pricing. [00:17:51] Craig Macmillan: This is for both of you if I'm a grower and I'm facing this situation both what I can get for my price and then also what the chances are of me selling my stuff on the bulk market, is this a situation where we're maybe better off not harvesting all the crop or mothballing some vineyards for the short term? [00:18:08] Eddie Urman: Yeah, I mean, I think in general, the less we pick this upcoming season that doesn't have a home, you know, the better off if it's picked for, uh, a program where it's actually needed, that's great, but bulking one on spec or taking in more fruit because it's cheap or very, you know, very low cost is not going to be a good thing. good overall thing for the industry. [00:18:30] As far as mothballing, we've talked a lot internally. This is where the conversation came in last time about making tough decisions and being intentional about how you're going to farm or you plant going into the season as a grower is, you know, mothballing is very controversial. [00:18:45] I think for our team, as far as whether it truly works and can you truly come back after it's done, if you're mothballing a Vineyard that's at the end of his life expectancy. You're probably just delaying your pain one more year. Cause it probably will not come back. If you're mothballing a five year old vineyard, maybe it's something that's a different story, but a real tough decision. [00:19:06] Mothballing a young producing vineyard most people are not in that situation. [00:19:12] Audra Cooper: Yeah, I mean, I want to expand a little bit on the, the mothballing and not harvesting fruit. I think it's really important that, you know, while this is a rather negative time in the industry and it's really easy to be very pessimistic. I do want to be optimistic about the needed outcomes and the solutions and the pain that's still rather prevalent in our industry to get kind of to the other side of being healthy. [00:19:36] I do want to be optimistic about some of the newer plantings that we've seen basically since 2012. There is a lot of new to middle aged vineyards that I really hope continue to stay in the ground. They need to stay in the ground because they are the highest and best fit for some of the newer style products in wine. [00:19:54] And we need to be able to continue to keep our wine quality elevated. And so while certainly there's vineyards that need to be removed or, or mothballed and taken out of production, there's also the flip side of that where there's a huge need for some of the. better vineyards and the more sought after vineyards or the vineyards that are priced right for the program that they're going into. [00:20:16] So this is kind of a double edged sword in the sense that yeah, we need plenty of production to be pulled out of the supply chain, but at the same time there's a huge need for very specific supply. So I want to be very careful in classifying those items. [00:20:30] Craig Macmillan: Right. And that brings me to my next question Audra there must be regional differences. Yeah. Yeah. In these patterns, I would assume some areas maybe are a little bit more protected from this kind of contraction or, or expansion over supply and others probably really bearing the brunt. I would guess. Do you see patterns at the state level? [00:20:48] Audra Cooper: I see patterns at the state level, but I can even bring it down to the central coast, even so far down to like even Paso right now. And Eddie and I have been talking about this a lot. You know, we saw a huge uptick in available inventory for east side AVA Cabernet and red blenders and even some of the white. Over the last two years, particularly last year in 2024, [00:21:11] and now we're seeing that dynamic shift from the east side climbing and available inventory. And now the west side is where we're seeing most of our listings come from over the last couple of weeks. And so we're now seeing it kind of push into more of the premium luxury tiers as far as this oversupply and the contraction and the kind of the pain points. [00:21:29] And so we are moving through the channels. Which I know again is, is difficult to hear and it's a very negative position to be in the industry, but it's also a sign that the market and the supply chain is moving through what it needs to move towards in order to come out the other side of this thing on a healthier end. [00:21:48] We comment on this a lot where. You know, it's going to get worse, dramatically worse for a short period of time before it gets better. And we're starting to see kind of the beginning of that position. [00:21:58] Craig Macmillan: What about the San Joaquin Valley? San Joaquin Valley? [00:22:02] Audra Cooper: is actually typically leading the charge in regards to our market, particularly our supply aspect of things, both in grapes and bulk wine. And so when we see A retraction in our industry or oversupply. We typically see it in the interior of the central valley first And when we see kind of a new, Growth stage we see it over there first as well And so they're ahead of us by one to two years Currently and then it kind of follows into the central coast and then up into the north coast and what i've seen Historically when you look back at markets and you look at kind of the time horizons of these things how? Long they live and what pushes the momentum of these markets. You'll typically see it last longer in the Central Valley, tiny bit shorter in the Central Coast and a lot shorter in the North Coast. The North Coast usually doesn't see quite as long of a pain period as the other two regions do. And there's, there's a lot of reasons that we probably shouldn't get into today because it would be a whole nother topic of conversation. [00:23:00] But I do think that the Central Coast right now has got another challenging year ahead of it. But also I think that the on ramp to a more positive industry is a little shorter than what I think people are giving credit for too because a lot of the work is being done, we just got to get through these major pain points first. [00:23:19] Craig Macmillan: We know that consumers drive demand for wine and hence wine grapes but are there other economic forces or political forces or regulatory forces that put pressure on this grape market aside from just consumer demand? [00:23:32] Eddie Urman: again, but 1 of big 1s is, put, it could put pressure to the positive or negative on our industry. We don't really know yet. It's still to be determined. when I read this question, the other thing came to mind to me is, is from a grower's perspective ensuring that you're growing. The compatible correct grapes for your region or varieties or it's staying within where you need to be. If the market for, for example, Chardonnay went through, went to the moon, it doesn't mean everyone in Paso should plant Chardonnay, [00:24:00] even though that's the hot variety, right? [00:24:02] It wouldn't be the best variety for most areas of Those are some of the quicker things that come to my mind. I'll probably elaborate. [00:24:10] Audra Cooper: I think to expand upon that, certainly regulations regarding, you know, water usage and irrigation is is a huge factor. And, and Eddie, you could probably do an entire podcast on that particular topic. And I'm sure that you guys have actually, Craig in addition to that, you really look at the economic environment in which people are growing grapes and producing wine. [00:24:32] And the economy of it is getting, you know, more and more difficult. The margins are getting much smaller. You can argue that more often than not people are taking losses year over year. And that puts a ton of pressure on their cash flow. In addition to that, when you look at the lending environment as well, that's become a lot more say, non conducive to being able to continue with business. In a lot of cases, [00:24:57] we have a handful of clients, if not more, who are questioning, do I prune because I don't necessarily have the same operational loan that I've had over the last couple of years and I've been taking low grape prices in order to survive to the following year, but you can only do that so long before it catches up to you. [00:25:14] And then we have another group or another segment of clientele who will prune, but may end up having to throw in the towel sometime, you know, mid summer or sooner because they don't have enough capital to continue with the grapes or you know, not sold. And then you look at the producer side on the winery side, and, and they too are getting crunched. [00:25:32] You know, we often talk about how low grape prices are, but we forget that, you know, wineries are getting crunched on their bottle price as well in order to nationally distribute. You know, what you see on the shelf as a price point does not necessarily mean that that's a price point to that producer. So the economies of this industry are getting more and more difficult every single year. [00:25:52] Craig Macmillan: Eddie, especially, are you seeing trends towards things like mechanization to try to keep costs down? [00:25:58] Eddie Urman: Yeah, absolutely. I mean mechanization and then automation and the vineyard or two, the , you know, hottest topics so here. And people were definitely making the efforts to try to implement those as they come available. The difficult thing can be oftentimes it's investment in equipment. That's very expensive and you have to truly consider is it going to, is it economically feasible to invest in that equipment and what's the payout time going to be based upon the amount of acres you're farming or how many passes you can do with that piece of equipment. So we're, we're seeing it happen, which is great. [00:26:31] It's innovation and it's heading us in the right direction, but at this point, a lot of it is still quite expensive and not everyone could participate for cost reasons. Yeah. [00:26:41] Craig Macmillan: Going forward, we've talked about this a little bit in terms of how different regions are kind of more paying for longer and some a little bit less and et cetera. And this then translates into the wines that are out there. Audra, you'd mentioned you know, the potential of negotiants to come in and help to alleviate the market. [00:26:59] That's definitely what happened in the nineties from my memory. We saw a lot of negotiate brands pop up because there was a plentiful supply for some of those years. Are there things that companies or government or grower associations, are there things that organizations could do to advise growers or help move people in the right direction in terms of kind of what they need to do? Is the viticulture consulting community? Taking these things into account Eddie, let's start with you, [00:27:29] Eddie Urman: that's a big question. there are plenty of people giving good advice in the industry and growers do have resources to reach out to, but it's very difficult to hear information that doesn't. Align with what you would like to do, right? So taking out our emotions from this from the equation and say, okay, does it really make sense to do this or to do that? Where where's that going to leave us and is that going to be in a position? To move forward in a better, know in a better new industry or new, you know New time in this industry when things rebound there's information out there, but it is difficult extremely difficult right now for growers and wineries to make decisions [00:28:09] Craig Macmillan: Yeah. That's the challenge when you have something like this, where it's individual decisions that lead to mass outcomes. It's hard for me as an individual to say, okay, well, I'm going to do my part. I'm going to keep these 10 acres out of production. Especially when I can see that I could sell to somebody. It's a tough go. Go ahead, Audra. [00:28:24] Audra Cooper: So I'm gonna go off on a tangent here a little bit. [00:28:26] Craig Macmillan: do. [00:28:28] Audra Cooper: I don't know, you might not welcome this one. So, you know, some people know this about me. I'm a pretty big Tony Robbins fan. And, You know, for some of you who don't know who that is, he's a self help guru that does a lot of different events and has written a lot of books and he has a philosophy and a saying that he utilizes through most of events, which is where focus goes, energy flows. [00:28:51] And unfortunately, we have not done the best of jobs being positive about ourselves in the industry, out there in the media, that ultimately is consumed by the masses. And so, I've been on this huge bandwagon about, when we're talking to the media, obviously we need to be rooted in reality, but we need to be as optimistic as we can about who we are and what our why is. [00:29:16] And I think oftentimes when we have these downturns, and this one's a pretty deep one, admittedly. That's the rooted in reality, right? But in these downturns, we tend to turn very, very pessimistic and we fail to remember that to some degree or another. We've been here before, and there have been a lot of innovations and activities and work and leadership that have pulled us out of it, and so we need to remember our history a little bit, I think would be my recommendation there, and I think a lot of the associations do a great job In reminding everyone what the historical background is and in some of our why Paso Robles Wine Country Alliance is a great example of what an association can do for a region on a national and international level. [00:30:03] I will continue to sing their praises because I think they've done a beautiful job in what they've done over the last 15 years. When you look at You know, what's happening from a government and regulation standpoint, you know, we have to band together as a community and be loud voices. We can't just rely on our neighbor or our representative to be our representative voice. [00:30:25] We need to make sure that we continue to be out there and loud. The other thing too is. We have a community, but we have a tendency to not keep collaboration consistent, and I would love to see our industry collaborate a little bit more, particularly on social media. I know that there's a lot of people probably listening to this right now thinking, why is social media even a remote solution? [00:30:48] But the amount of consumption from the younger generation that are now of drinking age that have not adopted wine as a beverage of choice, consume a huge amount of social media, more than they do TV, more than they do reading, more than any other culture. aspect of information gathering or any other platform that's available to them. [00:31:10] And we have an opportunity to band together and collaborate and change the algorithm regarding wine on social media. And I love to see us do that. We haven't done it. And there's various methods of doing that. And again, could probably be another podcast. I'm by no means the foremost expert on that, but our collaborative efforts. [00:31:27] We'll just drop that because I don't even remember exactly [00:31:30] Craig Macmillan: I think that's sound advice And it's always been a challenge. We do have some statewide Organizations that have that mission. They have a lot on their plate But I agree with you. I think that that is definitely the route or it seems to be the route There's more more research coming out that's showing that Not just the time but also like where people get their news You know, it shows you how important that is to them, how important , that venue is to them. [00:31:55] Eddie Urman: 1 of the things for me to extrapolate on that a little bit. What Audra was talking about is unified at the industry hot topics. Um. Rock mcmillan talked for a minute. The ceo of silicon bank about the wine industry Not itself and taking market share from itself, but taking market share from wine from beer from spirits They've clearly done that to us. [00:32:18] I mean It's a competition. It is what it is, and we've not done a great job marketing To younger, younger generations, everybody knows that everybody repeats it, but what are we going to do about it? And how can we as an industry figure out how to do a better job getting people exposed to wine, getting people to enjoy wine? [00:32:37] Audra Cooper: Yeah, I like that, Eddie. It's time to get aggressive and it's time to re enter wine in the conversation of culture and being part of the daily lifestyle. We've let it kind of fall by the wayside and it's time to get aggressive about what wine can be and was and should be here in the near future. [00:32:57] Craig Macmillan: right. You'd mentioned, you know, what's happened in the past. Audra, are there lessons that we learned that we are forgetting from 20 years ago or lessons that we should have learned 20 years ago that might help us now? [00:33:11] Audra Cooper: it's, that's an interesting question, and I think it is a great question of merit, because history does tend to repeat itself I think we need to get better about predictive trends, and I don't know what the answer is to that, I just know that we need to do that and again, we, we kind of talked about it early in the podcast here that, you know, it's really hard to plant a trend, because you're usually behind the eight ball on it. [00:33:38] And I think that we need to get better about how we plan for the future. I think we forget that, you know, Robert Mondavi and the Gallo's and, and countless others who came before us really went out. To the masses and marketed wine, not just their brands or their programs. They were out there to make sure that they were representing the wine industry and the product that we produce first and foremost. [00:34:06] And so I think there's that element. It's not necessarily missing, but it's not loud enough and it's not aggressive enough. And so we definitely need some leaders to come forward in that regard and really push the initiatives. That we fought so hard to stay in business for. When you look back historically to, I think we have a tendency to kind of do the blame game a little bit. [00:34:28] Like, you've planted too much over there on the coast and you've removed too much of the northern interior and you're charging too much up there in the north coast. And the reality is there's a place. For everyone to play and instead of being the competitive set that we are, again, to Eddie's point that Rob McMillan made as state of the industry, we should be looking at how do we take market share from our competitors, which are beer and spirits, RTDs, and so forth, not from each other. [00:34:57] Craig Macmillan: Yeah, that makes a lot of sense. It sounds like it's a time when we need to see some new leadership step up or some folks to take leadership roles which is always kind of scary. [00:35:08] Audra Cooper: It is. It's, it's, you know, here's the, the beautiful thing about emotion though. It's usually a call to action. So if we get scared enough. Someone will do something and I think we're just about there, and, and there's probably people working in the shadows that we're not aware of that will probably come forward here soon, you know, there's great leadership at CAWG level with their association as well as the Wine Institute, they're working hard every single day to be lobbyists , for our industry and to be making sure that they're representing our issues and finding solutions, solutions. [00:35:40] You know, one of the big things that I've learned over the last couple of years, particularly this last year, is, is that we are all responsible for our future and making sure our future is compelling. And so we need to be supporting those associations and paying attention to the relevancy of the information that's out there. [00:35:55] Craig Macmillan: Yeah, that's excellent. This is a, again, kind of a, kind of a tangent and it may not lead anywhere, but I, I just had this thought. You were talking about sustainability certifications and how important they are for growers now. Do you think that communicating the sustainability story of wineries and probably done at an individual level and then spreading out from there do you think consumers would respond to that? [00:36:17] Eddie Urman: Yeah it's hard to say because marketing is not my forte, but I, it sure seems like with the trends as far as health conscious and all this, I think it would resonate with them. It really should. And it's something we should probably capitalize on more as an industry in general. Yeah. [00:36:33] Craig Macmillan: That's interesting. Well do you have, does anybody have like a final message or one thing you would tell growers on this topic? Audra, [00:36:40] Audra Cooper: Well, we covered a lot of topics today, and I think I'll leave everyone with the same thing I said earlier, Where focus goes, energy flows, and if we're focused on the negative, and we're focused on how tough the industry is right now, that's where we're going to be. If we're focused on solutions, we'll find one that works, and it's going to be different for everyone. [00:37:04] Everyone's solution may look a little bit different. This is both an individual and industry wide issue that we're facing currently. with the downturn in the industry and the extreme oversupply. But I have faith that the work that's already being done will pull us out of this. We just need to get innovative in how we market to new consumers. [00:37:26] Craig Macmillan: That's great. Where can people find out more about you folks? [00:37:29] Eddie Urman: on our website. , you can get our information on there and reach out and contact us. Anything else Audra. Right. [00:37:44] Audra Cooper: Year you can go to our social media Turrentine Brokerate or you can find me at GrapeBroker on Instagram. You can also call us or email us or text us if you'd like, or smoke signal us too, although please don't carry fires. [00:37:50] Craig Macmillan: Anyway, right. Well, thank you so much. I guess today we're Audrey Cooper she is a director of great brokerage at Turrentine. Brokerage and Eddie Urman, who is the central coast, great broker Turrentine. Thank you both for being here and having such an interesting conversation. It's an important topic with a lot of question marks, lots and lots of questions, but I think we had some good things come out of it and I really appreciate it. [00:38:11] Audra Cooper: All right. Thank you.  [00:38:17] Beth Vukmanic: Thank you for listening. Today's podcast was brought to you by wonderful laboratories. Wonderful laboratories. Operates two state of the art high throughput laboratories to support pathogen detection and nutrient analysis. The team provides full service support to customers with field sampling, custom panels, and special projects. Their customers include pest control advisors, growers, consultants, seed companies, backyard gardeners, researchers, and more. [00:38:45] Make sure you check out the show notes for links to Turntine brokerage. Their previous interview on the Sustainable Winegrowing podcast, that's number 259, wine Grape Market Trends for 2024, plus other sustainable wine growing podcast episodes, including 265. How to stand out on social media in 2025 and 268 how to tackle leadership transitions successfully.   [00:39:10] If you'd like this show, do us a big favor by sharing it with a friend, subscribing and leaving us a review. [00:39:16] You can find all of the podcasts@vineyardteam.org/podcast and you can reach us at podcast@vineyardteam.org. Until next time, this is Sustainable Winegrowing with the Vineyard team.   Nearly perfect transcription by Descript

Chief Meteorologist Rich Wirdzek and Meteorologist Erich Ahlf talk about the recent surplus in rainfall and how timely the rain has been for the lingering drought across Delmarva. They also talk about how the moderate rainfall and cloudy and cool days are optimal for the health of vegetation.

Der Koalitionsvertrag zwischen CDU/CSU und SPD steht. Im Mai soll Friedrich Merz zum Kanzler gewählt werden. Liest man die 148 Seiten des Vertrages, fällt sofort auf, wie vage die Formulierungen gehalten sind. Oft handelt es sich nur um Absichtsbekundungen, manchmal entsteht der Eindruck, man habe bloß fromme Wünsche zu Papier gebracht. Zum Beispiel: Eine Anhebung des Mindestlohns auf 15 Euro die Stunde sei „möglich“, aber letztendlich soll die Mindestlohnkommission darüber befinden. Oder: Das Bauen von Sozialwohnungen soll gestärkt werden. Wie jedoch, verrät der Vertrag nicht. Oder: Steuererleichterungen für mittlere und niedrige Einkommen seien geplant, wann genau und wie diese gestaltet sein werden, bleibt im Dunkeln. Und nicht zu vergessen: Wie man Familien besser unterstützen kann, will man gründlich „prüfen“. Wenn die künftige Regierung nicht mehr weiterweiß, gründet sie einen Arbeitskreis. Ständig ist von Kommissionen und Initiativen die Rede. Fest steht schon jetzt: Eine finanzielle Verbesserung wird es geben – und zwar für das oberste Prozent. Mehr dazu von Ole Nymoen und Wolfgang M. Schmitt in der neuen Folge von „Wohlstand für Alle“! WERBUNG Hier geht es zu Surplus: https://www.surplusmagazin.de/wfa/ Unsere Zusatzinhalte könnt ihr bei Apple Podcasts, Steady und Patreon hören. Vielen Dank! Apple Podcasts: https://podcasts.apple.com/de/podcast/wohlstand-f%C3%BCr-alle/id1476402723 Patreon: https://www.patreon.com/oleundwolfgang Steady: https://steadyhq.com/de/oleundwolfgang/about Unser Kinderbuch namens "Die kleinen Holzdiebe" ist nun erschienen! Alle Informationen findet ihr unter: https://www.suhrkamp.de/buch/die-kleinen-holzdiebe-und-das-raetsel-des-juggernaut-t-9783458644774 Ihr könnt uns unterstützen - herzlichen Dank! Paypal: https://www.paypal.me/oleundwolfgang Konto: Wolfgang M. Schmitt, Ole Nymoen Betreff: Wohlstand fuer Alle IBAN: DE67 5745 0120 0130 7996 12 BIC: MALADE51NWD Social Media: Instagram: Unser gemeinsamer Kanal: https://www.instagram.com/oleundwolfgang/ Ole: https://www.instagram.com/ole.nymoen/ Wolfgang: https://www.instagram.com/wolfgangmschmitt/ TikTok: https://www.tiktok.com/@oleundwolfgang Twitter: Unser gemeinsamer Kanal: https://twitter.com/OleUndWolfgang Ole: twitter.com/nymoen_ole Wolfgang: twitter.com/SchmittJunior Die gesamte WfA-Literaturliste: https://wohlstand-fuer-alle.netlify.app

Ash Davida Jane reviews Surplus Women by Michelle Duff published by Te Herenga Waka University Press

The Taxpayer's Union popular podcast Taxpayer Talk returns with host Peter Williams and the Taxpayer's Union Climate and Fiscal Policy analyst Levi Gibbs talking about New Zealand's commitments (or lack of them) under the Paris Accord and how the Government can close the forecast 17 billion dollar budget deficit.Hear Levi explain why the Treasury forecast of New Zealand's $20 billion plus commitment to buy carbon credits may not come to pass. Then he suggests ways to better manage the New Zealand Government's asset schedule to reduce the huge budget black hole. But are the suggestions politically possible? Support the show

If you've ever wondered why you gain weight when increasing your calories—or feel like your body just doesn't get it—this episode is a must-listen. I'm breaking down the real difference between a reverse diet and a calorie surplus (spoiler: it's all in the strategy

Welcome to the Mind Muscle Connection Podcast!In this episode, we're joined by Ella Parungao, also known as the Scientific Snitch, to talk about Do You Really Need a Calorie Surplus to Build Muscle?Ella shares insightful perspectives on how surplus and maintenance calories work, the role of protein intake, and the common misconceptions about body weight fluctuations. Plus, the importance of focusing on how you feel in the gym and your overall progress rather than just numbers on the scale.Be sure to tune in and gain clarity on your body fitness goals!Let's talk about:Introduction to Ella ParungaoMuscle growth damageElla's trainingWhat is MaintenanceMeal timingCommon disagreementBody fatSurplusDeficit/CuttingMaintenance energy balance VS SurplusFinal takeawaysWhere to find EllaFollow me on Instagram for more information and education:  @jeffhoehn_FREE 30 Min Strategy Call: HEREBody Recomp Checklist 2.0 HERENutrition Periodization Masterclass: HEREHow You Can Work With Me?: HERECoaching application: HEREBody Recomp Checklist 2.0: https://chipper-producer-6244.kit.com/26b5c9f94a

Ag Secretary Brooke Rollins will visit six international markets this year to boost American agricultural exports, and U.S. beef sales to China take a dive after Beijing allowed expiration of registrations that permitted exports from hundreds of American meat facilities.

Ag Secretary Brooke Rollins will visit six international markets this year to boost American agricultural exports, and U.S. beef sales to China take a dive after Beijing allowed expiration of registrations that permitted exports from hundreds of American meat facilities.

Playlist: Ursa Major - Liberty And Justice/Back to the LandGreta Van Fleet - Age of ManCarptree - Welcome/By Your Own DeviceSalamander - People/Kill/False WitnessJordsjo - Overture-StifinnerMichael Quatro - Prelude in Ab Crazy/TomorrowsMystery - Delusion RainBend Sinister - Best of YouMonarch Trail - AfterthoughtRick Miller - Xtlan AwaitsTumbleweed Dealer - A Plant that thinks it's humanJay Danley - Cantalopes on White NapkinsDream Aria - Spanish NightsOutlaws of Ravenhurst - Last Stand of Old EarlForbidden Dimension - Shrunken HeadsHamadryad - Watercourse Mass

     AI-fueled madness as it concocts absurd tariff rates that fuels rage, has experts reeling, and nations retaliating. Five years after his lockdown lunacy—Trump is back with more imaginary science, this time the “dismal science”, to create an economic pandemic disruption.    And meet the new gods of paganism complete with their own religion, commandments, and “logic”    Then Gerald Celente joins to talk about Dot Com Bust 2.0Idiocracy Arrives with Made-Up Tariff Rates by Trump     Are they looking to create global economic destruction and disruption like they did 5 years ago with the nonsense “pandemic”?     Could Trump and his people actually be this stupid or is it deliberate?Trump's 2025 tariff charts are a chaotic mess straight out of ChatGPT's warped mind — LITERALLY.       ChatGate is far, far worse than SignalGate  Tariff Responses as The Downward Spiral Begins on Wall StreetWhat a coincidence that this is the worst day for stocks (and retirement funds) since Trump absurdly declared a pandemic emergency Why is Trump Attacking Companies That Buy MORE From US Than We Buy From Them?Countries that have ZERO tariffs are being punished and so are countries with whom we have a trade SURPLUS (profit).  One island that has NO HUMANS (only penguins) is targeted with high tariffs.  Is this how Trump's casinos went bankrupt? As We Saw in 2018, with Trump Tariffs Farmers Bleed, Food Prices Soar Sensational Stimulus crumbs won't save farmers as Trump's ChatGPT chaos starves the heartland! AI Writes Its Own Bible for Humans to Worship ItBesides being the basis for idiotic tariff numbers,ChatGPT has also penned its first book, ‘Transmorphosis,' a creepy AI ‘Bible' promising godlike powers and eternal life. The tone is satirical but the content is what the transhumanist techno-brats have been pridefully predicting for decades Pagan America's “Transgender Saints” and Their Commandments      AI writes its own bible,Transmorphosis, for humans to worship it as a god     Nashville & the FBI cover up the hate of a tranny child killer, Colorado's is calling misgendering ‘child abuse,' Minnesota's teaching ‘transgender saints,' and Planned Parenthood's raking in cash for abortions and gender drugs from CMS which will soon be run by Trump's pal, Dr. Oz, who has his own troubling background. Market Chaos Unleashed: Gerald Celente Slams Globalization and the Collapse of America's Soul     Gerald Celente of TrendsJournal.com, as he predicted Dot Com Bust 2.0, with the trigger of tariff tempest rocking the markets—Dow plummeting 1,400 points, NASDAQ down nearly 5%, and a Bust 2.0 looming on the horizon!     Celente rips apart the hypocrisy of Trump's trade wars, the genocide in Palestine, and the corporate sellout that gutted America's middle class. From Clinton's NAFTA betrayal to Vietnam's rising from the ashes of the Dominoe Theory to making dominoes, shoes and clothing — the dirty truth behind globalization's collapse. It's a nation on the brink, where billionaires soar, the rust belts rot, and the American Dream drowns in a sea of chaos!If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Money should have intrinsic value AND transactional privacy: Go to DavidKnight.gold for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHTFor 10% off supplements and books, go to RNCstore.com and enter the code KNIGHTBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

Support the show

     AI-fueled madness as it concocts absurd tariff rates that fuels rage, has experts reeling, and nations retaliating. Five years after his lockdown lunacy—Trump is back with more imaginary science, this time the “dismal science”, to create an economic pandemic disruption.    And meet the new gods of paganism complete with their own religion, commandments, and “logic”    Then Gerald Celente joins to talk about Dot Com Bust 2.0Idiocracy Arrives with Made-Up Tariff Rates by Trump     Are they looking to create global economic destruction and disruption like they did 5 years ago with the nonsense “pandemic”?     Could Trump and his people actually be this stupid or is it deliberate?Trump's 2025 tariff charts are a chaotic mess straight out of ChatGPT's warped mind — LITERALLY.       ChatGate is far, far worse than SignalGate  Tariff Responses as The Downward Spiral Begins on Wall StreetWhat a coincidence that this is the worst day for stocks (and retirement funds) since Trump absurdly declared a pandemic emergency Why is Trump Attacking Companies That Buy MORE From US Than We Buy From Them?Countries that have ZERO tariffs are being punished and so are countries with whom we have a trade SURPLUS (profit).  One island that has NO HUMANS (only penguins) is targeted with high tariffs.  Is this how Trump's casinos went bankrupt?Trump Introduces the $5 Million Trump to Buy Your Way Into AmericaWho knows, maybe these rich guys will buy their way into Trump's White House, too.  The card features guess who... As We Saw in 2018, with Trump Tariffs Farmers Bleed, Food Prices Soar Sensational Stimulus crumbs won't save farmers as Trump's ChatGPT chaos starves the heartland! AI Writes Its Own Bible for Humans to Worship ItBesides being the basis for idiotic tariff numbers,ChatGPT has also penned its first book, ‘Transmorphosis,' a creepy AI ‘Bible' promising godlike powers and eternal life. The tone is satirical but the content is what the transhumanist techno-brats have been pridefully predicting for decades Pagan America's “Transgender Saints” and Their Commandments      AI writes its own bible,Transmorphosis, for humans to worship it as a god     Nashville & the FBI cover up the hate of a tranny child killer, Colorado's is calling misgendering ‘child abuse,' Minnesota's teaching ‘transgender saints,' and Planned Parenthood's raking in cash for abortions and gender drugs from CMS which will soon be run by Trump's pal, Dr. Oz, who has his own troubling background. Market Chaos Unleashed: Gerald Celente Slams Globalization and the Collapse of America's Soul     Gerald Celente of TrendsJournal.com, as he predicted Dot Com Bust 2.0, with the trigger of tariff tempest rocking the markets—Dow plummeting 1,400 points, NASDAQ down nearly 5%, and a Bust 2.0 looming on the horizon!     Celente rips apart the hypocrisy of Trump's trade wars, the genocide in Palestine, and the corporate sellout that gutted America's middle class. From Clinton's NAFTA betrayal to Vietnam's rising from the ashes of the Dominoe Theory to making dominoes, shoes and clothing — the dirty truth behind globalization's collapse. It's a nation on the brink, where billionaires soar, the rust belts rot, and the American Dream drowns in a sea of chaos!If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Money should have intrinsic value AND transactional privacy: Go to DavidKnight.gold for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHTFor 10% off supplements and books, go to RNCstore.com and enter the code KNIGHTBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Rapid premium rate increases, coupled with pockets of higher reinsurance pricing, also expands the need for higher capital, said Jason Hopper, associate director, AM Best, discussing a new Best's Special Report.

Showfill by the Baz Bombers Featuring Special Guests! Brooke, Adrian & Chad!Playlist: Milkbone - Leaving HawksbillMatt Berry - Why On Fire?Matt Berry - AngiEnslaved - The Sleep: Floating Diversity - A Monument Part IIISpiral Architect - InsectFraternity, featuring Bon Scott - Seasons of ChangeGong - I Niver Glid BeforeAyers Rock - MoondahKing Gizzard & the Lizard Wizard - Ya LoveJethro Tull - Dark AgesJairus Sharif - SunnysideReturn To Forever, featuring 182 - Duel of the Jester and TyrantBruce Haack - Program MeFiend Without A Face - Sea BreezeARABROT - Time To Pull The SticksOU - TravekBoris - Delivery Service

Gumbo Live! welcomed Charlie McCarron, designer of SURPLUS OF SLOTHS, into the Gumbo Pot!  We chatted about his background in music, the process of tying theme to these mechanisms, and all of the fun of the crowdfunding campaign! For more information, click here: Plus, we chatted about his previous game, FOUR HUMOURS, that we are giving away at Southern Board Game Fest! Before we wrapped up the night, we continued our quest to come up with the perfect board game quiz with the guest. This time, it's all about the world of movie themes. Can you spot the fake ones from the real?  Don't forget -- Southern Board Game Fest 2025 in Lafayette, Louisiana the weekend of March 29: www.southerngamefest.com Come join the Krewe and play some games -- you might even see some special Gumbo guests there!   Laissez les bon temps rouler! 

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Michael Quinn Sullivan, publisher of Texas Scorecard, criticizes the Texas Legislature's handling of the $24 billion surplus. He warns of missed opportunities for property tax relief and condemns potential handouts to Hollywood, urging fiscal responsibility.See omnystudio.com/listener for privacy information.

Every taxpayer is getting a new tax cut in a pre-election pitch from Labor revealed in the federal budget. It's not much extra, starting at just a few hundred dollars extra over the whole year in 2026-27 for a worker on average earnings. At the same time, the budget's back in red, with a decade of deficits forecast. So, how is Labor managing the economy?Today, chief business correspondent Ian Verrender joins Sam Hawley in the budget ‘lock up' where reporters and experts get early access to the government's economic plan.Featured: Ian Verrender, ABC Chief Business Correspondent

In this episode of Retire with Style, hosts Alex Murguia and Wade Pfau are joined by Nate Conrad from Lifex Funds to discuss the innovative approach to retirement income through bond ladders. The conversation explores the evolution of Lifex, the differences between traditional bond funds and bond ladders, and the design of Lifex ETFs aimed at providing consistent income for retirees. They delve into the behavioral aspects of investing in bonds, the practical applications of bond ladders in retirement planning, and the complexities involved in constructing a bond ladder. The episode emphasizes the importance of aligning investment strategies with retirement income needs and the benefits of using Lifex's products for a more stable financial future. They discuss the importance of simplifying investment processes to enhance accessibility for investors. The conversation also touches on income distribution strategies, emphasizing the benefits of front-loading income and the tax implications of different spending methods. They end the episode with listener questions that provide practical insights into managing surplus wealth and the appropriate investment strategies for different funding ratios. Listen now to learn more!   Takeaways Lifex has evolved to focus on retirement income through bond ladders. Bond ladders provide predictable income compared to traditional bond funds. The design of Lifex ETFs allows for monthly distributions to match spending needs. Lifex ETFs are structured to adapt to the spending patterns of retirees. The importance of managing long-term bond investments for retirement planning. Constructing a bond ladder manually can be complex and time-consuming. Using Lifex products simplifies the bond laddering process for investors. Retirement income strategies should prioritize stability and predictability. Simplifying investment strategies can lead to better adoption. Bond laddering can provide more predictable income than bond funds. Using a bond ladder can allow for higher spending rates in retirement. Surplus wealth can be invested more aggressively once basic needs are met. Chapters 00:00 Introduction to Retirement Income Bond Ladders 02:51 The Evolution of Lifex and Its Offerings 06:09 Understanding Bond Ladders vs. Bond Funds 09:11 Designing Lifex ETFs for Retirement Income 12:01 Managing Long-Term Bond Investments 15:06 Behavioral Aspects of Bond Investing 18:06 Practical Applications of Bond Ladders in Retirement 20:56 The Complexity of Building a Bond Ladder 24:58 The Importance of Simplifying Investment Strategies 29:51 Understanding Bond Laddering vs. Bond Funds 36:30 Exploring Income Distribution Strategies 41:13 Listener Questions and Practical Applications   Links Wade will be at the Dallas MoneyShow, April 4-6. He will speak Sunday morning April 6 on Retirement Styles https://www.mmsdallas.com/speakers/1adf58d0d50547b0981fad3b07614de4/wade-pfau/?scode=064748 Learn more about the LifeX funds: https://www.lifexfunds.com/ Click here to watch this episode on YouTube: https://youtu.be/B_0xtHX1Hzc?si=x5ArQFSNEoA0RGfV The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

With 12-15 years left until retirement, I want to be strategic about where to put our monthly surplus which is usually around $3,000. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode, Chris William explains why adherence is key when trying to gain muscle and how choosing foods you actually enjoy makes it easier to stick to the right calorie intake. Carbs also fuel workouts, aid recovery, and keep meals satisfying, making them the best choice for a successful surplus. Simplifying better health. For more FREE straightforward, no-nonsense advice

Nick Kypreos, Justin Bourne and Sam McKee start with a look at Connor McDavid's injury status in Edmonton before being joined by former NHL GM and President Doug MacLean (4:02) for Off-the-Rails Friday! Mac gets into the overpopulation of teams' personnel staff around the league, potential NHL expansion, the Leafs' depth, the Rangers' long-term plans and much more! Finally, Nick, Justin and Sam close out the week by discussing the value of an NHL franchise before going to the text line to answer your questions!The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

BUSINESS: January budget balance swings to P68.4-B surplus | Mar. 19, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

Check out our preview of Surplus of Sloths by Weird Giraffe Games on Backerkit RIGHT NOW! https://www.backerkit.com/c/projects/weird-giraffe-games/surplus-of-sloths https://mfgcast.com/wp-content/uploads/2025/03/Episode_507_Final.mp3

On Today's Episode:Reviews of:Surplus of Sloths, Misfit HeroesAn interview with Emily Vincent (⁠⁠⁠⁠Bluesky⁠, ⁠Instagram, Website⁠)Our social media:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Keys To Surplus - March 16th 2025

Struggling to eat enough to gain muscle? Or maybe you're eating in a surplus but gaining too much fat? In today's episode, I break down 5 expert strategies to help you maximize muscle growth while keeping fat gain under control. From calorie-dense food swaps to supplements that actually work, this episode is packed with actionable takeaways to help you bulk the right way. What You'll Learn in This Episode: How much protein you actually need (and why too much can hurt your gains) The best high-calorie foods to eat more without feeling stuffed How to time your meals for better digestion and energy How to track progress and adjust your calories to avoid unnecessary fat gain The top supplements for muscle growth – including GDAs for glucose control   Interested in working with a coach? Get a free nutrition consultation - Schedule Here   Join Us On Patreon - Join Here   Submit your questions to be featured on our Q&A episodes.   Order from Cured Supplement Order from Legion Supplements and get 20% off your first order by using discount code: keynutrition   Connect with us on Instagram Host Brad Jensen – @thesoberbodybuilder Co-Host Craig Smith - @greatestdaymindset Next Level Nutrition – @mynextlevelnutrition   Episode Timestamps 00:00 – Intro: Why a proper calorie surplus is key for muscle gain 04:10 – Tip 1: Optimize Your Protein Intake (Without Overdoing It) 08:30 – Tip 2: Eat Calorie-Dense Foods to Make Surplus Easier 13:55 – Tip 3: Meal Timing & Frequency for Digestion and Energy 18:40 – Tip 4: How to Track & Adjust to Prevent Excess Fat Gain 23:15 – Tip 5: Smart Supplementation (Including GDAs for Carb Utilization) 28:45 – Bonus Tip: The Mindset Shift You Need for Long-Term Gains 32:00 – Outro: Recap + final thoughts

Stat: 40%: Up to 40% of the food supply in the United States is wasted each year, according to the U.S. Department of Agriculture. Story: When you see the perfect displays of produce in grocery stores, do you ever wonder whether it's all sold before it spoils? It isn't, and stores often pay to send unpurchased produce to landfills. In this episode of “After the Fact,” Evan Ehlers, founder of Sharing Excess, shares how his organization is working to solve what he calls “the world's dumbest problem.” As a college student in Philadelphia, Ehlers saw how this problem of food waste could be prevented and hunger could be addressed in the United States, where millions of people. lack access to three healthy meals per day. In just a few years, Sharing Excess—which receives support from the Pew Fund for Health and Human Services in Philadelphia—has evolved from a group of college volunteers to a growing organization that redistributes millions of pounds of food across the country to people in need. Pew's Kristin Romens discusses the factors that contribute to food insecurity for individuals and families—and how funding organizations that support economic mobility projects can improve community outcomes.

In this episode, Chris William breaks down the simple way to know when it's time to increase calories during a surplus. No complicated formulas—just practical advice on tracking progress, avoiding unnecessary fat gain, and making adjustments that keep muscle growth on track. Tune in to learn how to keep your surplus simple and effective! Simplifying better health. For more FREE straightforward, no-nonsense advice

Ledgebrook is transforming the commercial insurance industry with a technology-driven approach that prioritizes speed and service for wholesale brokers. With $50 million in funding, the company has rapidly scaled to a $100 million run rate in less than two years since writing its first policy. In this episode of Category Visionaries, I spoke with Gage Caligaris, CEO and Founder of Ledgebrook, about his journey from spending nearly a decade as an actuary at Liberty Mutual to launching an insurtech startup focused on making commercial insurance quoting faster and easier. Topics Discussed: Ledgebrook's mission to bring faster quoting experiences to wholesale brokers The 14-month journey from founding to writing their first insurance policy Scaling from 30 to nearly 100 employees in just one year Reaching $100 million run rate within 19 months of their first policy The company's expansion strategy of rapidly launching new insurance products Building a distributed team culture that remains connected and engaged The E&S (Excess and Surplus) insurance market opportunity exceeding $100 billion   GTM Lessons For B2B Founders: Simplify your value proposition: Ledgebrook succeeded by focusing on two clear promises: being the fastest to quote and the easiest to do business with. Gage explained, "Fast and cheap is what they like. We'd prefer to be fast over cheap." B2B founders should identify the 1-2 most critical pain points in their industry and build their entire value proposition around solving them. Choose boots-on-ground engagement over flashy marketing: Despite their rapid growth, Ledgebrook has minimal formal marketing. Instead, their underwriters travel two weeks each month to visit brokers in person. "We're in our broker's offices... instead of a marketing campaign, it's a boots on the ground approach," Gage shared. For B2B startups, prioritizing direct customer engagement can be more effective than traditional marketing campaigns. Maintain consistent service delivery: Ledgebrook built their reputation by simply delivering on their promises consistently. "We kept showing up, right? We kept coming back with those fast quotes, we kept picking up the phone," noted Gage. B2B founders should recognize that reliability and consistency are powerful differentiators in markets where competitors often overpromise and underdeliver. Integrate customer-facing and technical teams: Ledgebrook has tech team members do regular "ride-alongs" with underwriters to see how their products are actually used. This collaboration ensures they build the right features and move faster. B2B founders should create structured opportunities for engineers and product teams to directly observe customer interactions. Leverage referral recruiting for growth: Ledgebrook has scaled their team primarily through employee referrals. Gage shared, "People are like, man, I'm having a blast here. Let me bring my friends." Creating a workplace where employees genuinely enjoy their work can transform your hiring process, especially when scaling rapidly. //   Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe.  www.GlobalTalent.co

3-6 Adam and Jordana 10a hour

Are you in need of some education on ADHD? Or perhaps some advocacy and youth work? Or maybe even a DJ for your event? Well look no further - in today's episode Jacinta talks to Georgia Zentrich, The ADHD Educator.  They discuss ADHD stigma, managing schedules, the challenges posed by the mental health care system, and more (including DJing) Georgia has an Instagram And you can find the resources mentioned in the episode below. REFERENCES:  It's A Lot Podcast with Abby Chatfield Interview with G-Flip William Dodson - Interest Based Nervous System How Simone Biles Turned ADHD into Her Superpower Heartbreak High Geek Girl

Jon continues talking about surplus, and more girl's sports controversy.

In today's deeply reflective and transformative episode, I'm pulling back the curtain on the seductive myth of scaling too soon. So many coaches are obsessed with launching group programs—chasing numbers, applause, and the illusion of freedom. But scaling doesn't save you. It amplifies everything you haven't healed.If you're wondering why your group program dreams aren't taking off—or why they feel heavier than you imagined—this conversation is for you. We'll explore the nine sacred reasons you're not ready for a group offer (yet) and why the path to sustainable wealth, power, and leadership begins with mastering 1:1 coaching.This episode will meet you where you are—and challenge you to slow down, reflect, and build depth before scale. Your wealth lives in the mastery of one. Your real money is waiting in the spaces you've been avoiding.What You'll Learn in This Episode:• Why entrepreneurship is a marathon, not a sprint—and how rushing into group programs can sabotage your business.• The 9 sacred reasons you're not ready for a group program, including:1. Mastering the Depth of One: Why one client holds the key to sustainable scale.2. Nervous System Capacity: How your body, not your ambition, decides your readiness.3. Offer Alignment as Frequency: Why your offer needs to become inevitable before you scale.4. Scaling from Surplus vs. Scarcity: Understanding the energetic truth behind selling.5. Energetic Boundaries in Leadership: Why your ability to lead starts with holding yourself.6. Escaping Depth by Rushing Scale: How avoidance shows up in the desire to scale.7. Owning Your Voice as Energy: Why clarity and certainty in your voice is non-negotiable.8. Seeing Clients as Whole: The mindset shift from “fixing” to mirroring power.9. Being Fully Booked at the 1:1 Level: Why frequency and inevitability at 1:1 precede the group stage.Special Training Invitation:If you're ready to dive deeper and truly accelerate your coaching business, join me in my upcoming training, ⁠"Five Daysto Fully Booked: The Coach's Elite Playbook for 1:1 Coaching"⁠. This training is designed to equip you with the strategies, mindset, and tools to not just attract clients, but fully book your coaching practice. Don't miss out on this opportunity to transform your coaching business!Join Our Community:For continuous learning and exclusive insights, I invite you to join my vibrant WhatsApp Community ⁠here⁠. It's a space where ambitious coaches like you can connect, share, and grow together, receiving daily value that's pivotal for your coaching journey.

We open with our usual chit chat and move into the Q&A.My husband thinks I should follow a weight lifting program for weight lifters. Help me explain why not.Is it over the top to take food scales everywhere so you can track as accurately as you can? How much of a calories surplus should I be aiming for to maximise muscle growth whilst minimising fat?When doing leg exercises where we lift heavier weights, should we do warm up sets with lighter weights? What are both of your current fitness or physique goals? The most valuable thing to a podcast is sharing your thoughts through a written review and a 5-Star Rating - it's the ultimate gift! If this episode left you inspired, we'd absolutely love just 1 minute of your time to leave your valuable rating and review. Your feedback means the world to us!Click here the link below to download your FREE Fat Loss GuideTo follow us: Ash: https://www.instagram.com/ash__lane/Brad: https://www.instagram.com/trainwithbrad/And to follow more on our journey across Aus - make sure you're following: https://www.instagram.com/thelanewayontour/To join in Train with Ash before our books close for the year:Join here: https://www.ashlane.com.au/

We do our best to make some lemonade this week as things are thrown off by the passing of a dear friend. But we soldier on and do our best to make some light in dark time. Matt talks a heartfelt story about a WWII dog, Meghan gets indecent about hurricanes, and Zachary talks about the British war FOR drugs. So strap in and get ready as we release the first episode recorded in 2025 and ask along with us... what the f**k history?!In honor of Steve, if you wish to make donation to please follow the links belowhttps://www.peacecorps.gov/donate/peace-corps-fund/https://secure.habitat.org/site/Donation2?df_id=7212&mfc_pref=T&7212.donation=form1&keyword=button-header-single What the F**k After Dark Hosted on Acast. See acast.com/privacy for more information.

In this episode, Lynda A. Bennett continues her conversation with Matt Sabino and John McKenna, managing partners at ARC Excess and Surplus; Justin Kudler, senior vice president and senior claims counsel for ARC Excess and Surplus; and Scott H. Moss, Co-chair of Lowenstein's Investment Management Group, about the new regulatory environment in the second Trump Presidency and how the D&O insurance market is reacting.  The panel discusses risks and concerns from an underwriter and policyholder standpoint; they also assess the state of existing regulatory claims, the potential change in risk profile that may impact future claims, and the prospective decrease in regulatory claims. Speakers: Lynda A. Bennett, Partner and Chair, Insurance RecoveryScott H. Moss, Partner and Co-chair, Investment Management GroupMatthew Sabino, Managing Partner, ARC Excess & SurplusJohn McKenna Jr., Managing Partner, ARC Excess & SurplusJustin Kudler, Senior Vice President/Senior Claims Counsel, ARC Excess & Surplus  

(Conversation recorded on November 22nd, 2024)   The first few months of the new year have brought a cacophony of political news and power plays, bringing with it an uproar of public outrage in the United States and around the world. In the midst of an unprecedented moment in modern history, what can history – and even mathematics – teach us about moments of political unrest and upheaval?  In this episode, Nate is joined by complexity scientist, Peter Turchin, to discuss his work modeling the key factors that drive patterns of peace, turmoil, and revolution in nations throughout history - and how those connect to the situation in the United States today. Turchin outlines the cyclical nature of ‘elite overproduction' and its role in political disintegration, emphasizing the importance of economic inequality and elite struggles for control. How does a declining standard of living, as seen in the U.S. over recent decades, affect a nation's stability, civic engagement, and levels of violence? In what ways has history been shaped by the ‘wealth pump' moving economic power towards the hands of the few? Lastly, how can we use these historical lessons to strengthen our communities and act collectively in times of chaos and instability?    About Peter Turchin: Peter Turchin is a complexity scientist who works in the field of historical social science that he and his colleagues call Cliodynamics. His research interests lie at the intersection of social and cultural evolution,  historical macrosociology, economic history and cliometrics, mathematical modeling of long-term social processes, and the construction and analysis of historical databases. Currently his main research effort is directing the Seshat Databank project (and its offshoot, CrisisDB) which builds and analyzes a massive historical database that enables us to empirically test predictions from theories attempting to explain why and how complex human societies evolved, and why they periodically experience political breakdown. Turchin has authored ten books. His most recent books are End Times: Elites, Counter-Elites, and the Path of Political Disintegration and The Great Holocene Transformation (forthcoming).   Show Notes and More Watch this video episode on YouTube   Want to learn the broad overview of The Great Simplification in 30 minutes? Watch our Animated Movie.   ---   Support The Institute for the Study of Energy and Our Future Join our Substack newsletter Join our Discord channel and connect with other listeners  

We talk a meeting of the five government branches, calls for NT$10,000 cash handouts, undocumented migrant workers and more. -- Hosting provided by SoundOn

For today's episode, I wanted to do something a little different. I received a question from a listener about how to properly transition through your fitness journey, so I'm diving into that here!When it comes to your fitness journey, there's never just one way (or a ‘right' way) to do things - it needs to be super personalized to YOU and your goals. In regards to fitness, the 3 phases you'll typically go through are building, maintenance, and cutting. It's important to know how your body is going to feel during each of these phases, and what your nutrition and workouts are going to look like. Most of all, this process is going to take TIME. If you're not seeing progress right away (especially during a deficit or ‘cut' phase), you've got to stick with it, and be patient with the process!Fitness is fairly simple, but it's NEVER going to look the exact same for every person. I don't want you to get stuck on all of the ‘rules' you've seen and heard along the way. There can be sooo much noise out there (especially online), and not all of it is going to be applicable to you!Whether you're looking to build muscle, lose fat, or maintain your current physique, I hope this episode encourages you AND gives you *real* insight into what coaching with me looks like!!In this episode, we cover:The many ‘rules' surrounding fitness + why there isn't just ONE way to do what's best for youA current listener's question + experience with her fitness journeyWhat it feels like to go from maintenance to surplusWhat to do when you're ready to move into a deficit or ‘cut' phaseWhat transitioning back to maintenance can look like + why you can still see body recomp changes hereProgressive overload + why you need to stop overcomplicating thisWhy you shouldn't compare your progress & journey to othersLinks/Resources:Ep. 23 | Progressive Overload: What It Is, and How It Can Help You See the Results You Want on Your Fitness JourneyJoin FIT CLUB, my monthly membership with workouts you can do at home or the gymPRIVATE COACHING is my 1:1 program (choose 3 or 6 month option)Connect with me on Instagram @kristycastillofit and @unfuckyourfitnesspodcast so we can keep this conversation going-be sure to tag me in your posts and stories!Join my FREE Facebook group, Unf*ck Your FitnessClick HERE for my favorite fitness & life things!Send me a text with episode ideas or just to say hi!

On today's episode of the podcast, exercise scientist Dr. Pat Davidson, talks how to build muscle fast, diet, and the proper use of supplements. 0:00 - Intro1:23 - In-Person Training & Fundamentals2:16 - How to Build Muscle Fast13:12 - Why Changing Workouts Hurts Gains16:18 - German Volume Training Explained19:44 - More Muscle = More Recovery?25:49 - Surplus vs. Deficit for Gains36:24 - Perfecting Exercise Form41:28 - Is Barbell Bench Worth It?47:15 - High vs. Low Ground Exercises1:06:08 - Strength Training for Jiu-Jitsu1:12:36 - Best Supplements for Muscle Growth1:14:54 - Lifting on Shrooms – Does It Help?1:18:44 - Intense Workouts & Mental Health1:24:05 - Steroids 101: What to Know1:28:12 - Best Performance-Enhancing Drug1:46:56 - Saving Energy for Big Moments1:52:31 - Fitness Highs & Lows1:57:57 - OutroFollow The John Rondi ShowTikTok: https://www.tiktok.com/@johnrondipodcastInstagram: https://www.instagram.com/johnrondipodcast/Spotify: https://open.spotify.com/show/7xuYMlfFAXUfReoHKGHjb6?si=e13220a9830e4463Apple Music: https://podcasts.apple.com/us/podcast/the-john-rondi-show/id1670365515Follow Dr. Pat DavidsonInstagram: https://www.instagram.com/dr.patdavidson/?hl=enFaceBook: https://www.facebook.com/drpatdavidson/Website: https://www.drpatdavidson.net/Follow John RondiInstagram: https://www.instagram.com/johnrondiTikTok: https://www.tiktok.com/@johnnyrondi#podcast #johnrondi

US President Donald Trump says he'll consider a tariff on steel imports from Australia because of a trade surplus with the country, so SBS Finance Editor Ricardo Gonçalves takes a look at how that compares with others with Alan Oster from NAB; plus the day on the sharemarket with Mark Gardner from MPC Markets.

In the first of two episodes, Lynda A. Bennett talks with Matt Sabino and John McKenna, managing partners at ARC Excess and Surplus; Justin Kudler, senior vice president and senior claims counsel for ARC Excess and Surplus, and Scott H. Moss, co-chair of Lowenstein's Investment Management Group, about the new regulatory environment in the second Trump Presidency and how the D&O insurance market is reacting. In episode one, the panel discusses anticipated risk changes for financial line companies and how they will intersect with premium pricing, underwriting processes and policy terms and conditions.  The guests discuss how fund managers may be less of a focus for regulatory enforcement, how the underwriting industry handles the back-and-forth of federal policies over time, and the impact of Trumps initial policy initiatives.  Speakers: Lynda A. Bennett, Partner and Chair, Insurance RecoveryScott H. Moss, Partner and Co-chair, Investment Management GroupMatthew Sabino, Managing Partner, ARC Excess & SurplusJohn McKenna Jr., Managing Partner, ARC Excess & SurplusJustin Kudler, Senior Vice President/Senior Claims Counsel, ARC Excess & Surplus  

Many people struggle with their finances simply because they lack direction. I encourage you to sit down and think about your short-term, mid-term, and long-term goals. Trust me, once you clarify your objectives, managing your finances will become a lot easier. We also explore the four key metrics you need to understand to manage your cash flow effectively: Income: What you take home each month. Expenses: Most people underestimate their spending—are you one of them? Taxes: Understanding your tax liability is crucial, especially if you have complex income sources. Surplus: The amount left after accounting for income, expenses, and taxes. I break down how to nail down these numbers and why they are essential for creating a solid financial plan. Plus, I share my recommendations for budgeting strategies tailored to your income level, whether you're a high-income earner or just starting out. ---------- ✅ Financial planning for 30-50 year old entrepreneurs: ⁠https://www.allstreetwealth.com⁠ ✅ My personal blog & newsletter: ⁠https://www.thomaskopelman.com⁠ Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

If Texans were in charge of the state’s budget, how would they spend the money? A new survey from the Hobby School of Public Affairs sheds light on priorities. We know many state lawmakers are prioritizing a school voucher effort that would give money for private education directly to families – and the proposal has […] The post Texans weigh in on how to spend the state's $24 billion surplus appeared first on KUT & KUTX Studios -- Podcasts.

Beijing has released strong economic data, reporting its largest-ever trade surplus. Also on the programme, a BBC investigation uncovers 75-hour workweeks endured by workers in Shein's fast-fashion factories in China. Could this affect the company's plans to list on the London Stock Exchange? And Sam Fenwick explores the economic impact of the Kumbh Mela in India, which is expected to generate $3.4 billion in revenue for Uttar Pradesh.You can contact us on WhatsApp or send us a voice note: +44 330 678 3033. We would love to hear from you!

Join Chris William as he dives into the ins and outs of being in a calorie surplus. From gaining muscle to managing inevitable fat gain, Chris shares realistic expectations and strategies to make the most of your surplus phase. Whether you're looking to build strength, improve performance, or transform your physique, this episode offers practical advice to navigate the process effectively. Tune in to learn what to expect—and how to maximize results—while in a calorie surplus!