Podcasts about Swift

For decades, the biggest barrier to building a SaaS company was technical talent. You needed a team of engineers to ship a world-class product. David Okuniev, Co-Founder of Typeform, believes that era is over. In this episode of the ProductLed 100 series, Wes Bush sits down with David Okuniev (Founder of Float) and Esben Friis-Jensen (Co-Founder of Userflow) to discuss why "Taste" is the only defensible moat left in the age of AI. David reveals how he is building his new venture, Supercut, by literally talking to Claude Code through a microphone - building full iOS apps in days without knowing Swift. He argues that since AI has commoditized the "How" of building software, the "What" and "Why" (Design and Taste) matter more than ever. They also explore why this shift allows for a "Minimum Viable Team" of just three people, why David regrets scaling Typeform into a large organization, and how to survive as a "Pioneer" founder without getting bogged down by professional management. Key Highlights: 01:21: The "Accidental" Origin: How a client project for a toilet showroom in Barcelona turned into Typeform.03:51: The Viral Launch: Generating 8,000 pre-signups and achieving immediate viral growth without traditional validation.09:53: The Taste Differentiator: Why design is the only way to distinguish yourself 13:00: The "Impulsive" Archetype: David's approach to building products based on intuition rather than validation.21:41: The "Professional CEO" Trap: Why David regrets stepping down and why founders should stay in the driver's seat.37:42: The Float Labs Model: How David runs a product lab to spin out new companies (like Supercut).42:09: The Minimum Viable Team: Why the modern startup only needs a Designer, a Tech Lead, and a Marketer.44:53: The "Tastemaker" Advice: You don't need to be a designer; you just need to be opinionated. Resources:

Chandler Keys grew up on a family farm in Maryland. In addition to helping his family raise purebred Angus cattle and grow various grain crops, he was active in 4-H and other agriculture clubs. After earning his Bachelor's degree from the University of Maryland, Chandler held an entry level position with National Cattlemen's Beef Association (NCBA). Over the next two decades, Chandler stayed with NCBA and moved up within the organization. He became the Vice President for Government and Industry Relations where he led the 20+ staff in the Washington DC office. Chandler then took his leadership to Swift & Company, later JBS, until he began Keys Group in 2012. Chandler and his family live in Maryland.

The dorks return for our second week on Lorwyn Eclipsed, which is officially more than Wizards of the Coast spent previewing the entire set. Sigh. So join us as we bounce around the gallery as usual! Just uh...ignore the bit about feet. Gallery: https://magic.wizards.com/en/products/lorwyn-eclipsed/card-image-gallery Come join us in the future! The show is live on Thursdays around 8pm(ish) Eastern time on Twitch. Become a Lifeguard on Patreon! – patreon.com/themanapool Podcast RSS Feed: themanapool.libsyn.com/rss YouTube: youtube.com/TheManaPool The Deep End: youtube.com/@TheDeepEndTMP TMP Streams Archive: youtube.com/@TMPStreams Twitch: twitch.tv/themanapool Discord: discord.gg/7da7T6s BlueSky: themanapool.bsky.social Instagram: TheManaPool Threads: @TheManaPool Email: dorks@themanapool.com Intro & Outro Music: Diamond by Swift – https://open.spotify.com/artist/0vAs5HIBkUPbuoN5b5GWTE

We dive into some Texts from Taylor and Blake, Jennifer Aniston's man, Jim Curtis is making the rounds and Mama Kelce and Mama Swift take on Sundance. Also Charli XCX's acting career off to a rough start and Kanye DJed the birth of his child. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sundance Film Festival kicked off its first and final weekend in Utah. Festival goers and filmmakers PACKED main street in Park City... and it wasn't short of celebrity sightings. Producer, Caitlyn Johnston, joins the show to explain her experience meeting Taylor Swift's Mom, Andrea Swift, and Travis Kelce's mom, Donna Kelce, in Park City on Sunday and what she learned during her experience at the Sundance Film Festival.

Londinium Winter 92AD. In this dialogue, the "Emperor" (the U.S. President) is chastised by King Charles III for disparaging the British military, leading to a swift reversal by the American leader. Germanicus argues that despite the 18th-century revolution, the U.S. never truly disentangled itself from Great Britain, eventually inheriting its imperial role and institutions. The speakers note that American elites retain a deep, nostalgic reverence for the British monarchy, often viewing the U.K. as a cultural font similar to how Rome viewed Greece, though they observe that modern Britainstruggles to defend its borders and identity.1690 CHARLES II AND JANE LANE

In December of 2025, Brazil passed the BRICS leadership torch to India, which wasted no time revealing its priorities for the economic alliance—to build an international payment system that rivals the SWIFT system and chip away at U.S. economy hegemony by attacking the exorbitant privilege of the U.S. Dollar. Defending the dollar should be the easiest policy ever. Instead the Trump administration has accelerated the world’s collective desire to put the U.S. in its place and end our reign of economic despotism. -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, TikTok and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility. Unf*cking the Republic is produced by 99 and engineered by Manny Faces Media (mannyfacesmedia.com). Original music is by Tom McGovern (tommcgovern.com). The show is hosted by Max and distributed by 99.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

durée : 00:47:47 - Affaires sensibles - par : Fabrice Drouelle, Franck COGNARD - Aujourd'hui dans Affaires Sensibles, Taylor Swift, le phénomène total… - réalisé par : Helene Bizieau Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Swift and Samcro from the Voice of Fans Sportscast drop by Sensibly Cynical to talk about NFL Playoffs, Podcasting, and much more!

Join us, while we're Waiting For Review... In this show: Current routines, gaming! The intricacies of TelemetryDeck (Daniel is sharing his VISION!) Planning and managing our projects Dave talks about his progress with his Swift based GUI, VXKit -- We are open for sponsorship! email us at contact@waitingforreview.com The Discord server is open to all, and you can contact us via our social links below. Enjoy the show, Dave ✨ and Daniel

The legendary DJ Pogo breathes new life into classic breaks with fresh Swift&P flips featuring The Commodores, House of Pain, James Brown, Public Enemy and more. Plus a sweet soul-sister sequel from Vicki Anderson, Woody Herman's blazing brass and an epic Freeway x Transformers clash from Emynd. View the full playlist for this show at https://www.wefunkradio.com/show/1278 Enjoying WEFUNK? Listen to all of our mixes at https://www.wefunkradio.com/shows/

This episode analyzes a massive shift in the logistics landscape as Echo Global Logistics moves to acquire ITS Logistics in a deal creating a $5.4 billion combined entity. We discuss why this merger signals a strategic pivot toward asset control as the industry anticipates a future market turn. Attention then turns to the Southeast, where logistics leaders are bracing for Winter Storm Fern and its potential to freeze critical supply chain arteries. The forecast is drawing concern across the industry as conditions threaten to mirror the disruptions seen during the historic 2021 Texas freeze. We also break down the latest financial results from Knight-Swift, which reported a quarterly loss but signaled optimism for margin improvement in 2026. Management believes that exiting weaker players will help correct the market balance, even as rail networks also prepare for severe weather disruptions. On the international front, CMA CGM has reversed its course on returning to the Red Sea, choosing to divert ships around Africa due to safety risks. This decision highlights the ongoing volatility in global shipping lanes and the resulting inflationary pressures on transit times and fuel. Finally, we explore significant regulatory updates, including the Trump administration's support of C.H. Robinson in a Supreme Court case that could define broker liability. We also look at the FMCSA's long-awaited rollout of the Motus registration system, designed to finally crack down on chameleon carriers and industry fraud. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode, we discuss the major announcement that Echo Global Logistics is acquiring ITS Logistics to create a combined entity valued at over $5.4 billion. Leadership indicates this merger will enhance their AI capabilities and expand solutions for complex supply chains. We also look at the forecast for Winter Storm Fern, which threatens to paralyze transportation networks across more than 30 states this weekend. Logistics experts warn that heavy ice and snow could trigger ground stops at critical hubs and cause shipment delays of up to 48 hours. Finally, we break down why Knight-Swift's Q4 earnings missed the mark after the trucking giant reported a net loss. The company faced margin pressure across all business segments due to restructuring charges and a difficult market environment. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

This week in pop culture headlines, "The Kelly Clarkson Show" is rumored to end, Will Smith had a near death experience, Kamaro skips press for the "Queer Eye" final season, Kai Cenat is using his platform to promote literacy, Taylor Swift's text messages with Blake Lively from "It Ends With Us" drama released, and Naomi Asoka makes a fashionable debut appearance at the Australian Open. (5:35) In hot topics, we discuss the family fall out from Brooklyn Beckham's statements regarding family treatment. (39:07) Stay tuned for our next episode as we recap the popular Netflix thriller series "His & Hers" starring Tessa Thompson! We are available on all podcasting platforms, but please follow, rate, and review us on Apple Podcasts and Spotify apps. We greatly appreciate the support! Follow us on social media: IG: @recappinpodcast Twitter: @recappinpodcast FB: ReCappin' with Delora and Ashley Contact us: Email: recappinpodcast@gmail.com

This week's Mixtape Rewind takes you back to where Matt and Sam reviewed memorable first tracks from albums.  The first track can make you stay, skip, or fall in love. We dove into 12 album openers that don't just start a record — they define it — and traced how a great intro sets the promise for everything that follows. From the sunlit optimism of the Beach Boys' Wouldn't It Be Nice to the neon stride of Taylor Swift's Welcome to New York, we explore how artists use track one to signal a theme, a shift, or a dare.We share the moments that hooked us: Alanis Morissette cutting straight to the bone on All I Really Want, Pearl Jam's Once roaring to life as a debut mission statement, and Chance the Rapper turning gospel joy into a full-album thesis on All We Got. We also talk about pivots and reinvention — Springsteen's The E Street Shuffle breaking from his Dylan-leaning debut, and Swift's leap from Nashville to skyscraper synth-pop — and why that boldness belongs right up front. Along the way, we celebrate high-voltage openers like Sleigh Bells' Tell 'Em, the literate punch of Titus Andronicus' A More Perfect Union, the tender sting of Dashboard Confessional's Hands Down, the bittersweet charm of The Shins' Kissing the Lipless, and Andrew Bird's Fiery Crash turning an airline safety demo into a meditation on mortality.This is a love letter to sequencing, storytelling, and the lost art of letting an album guide your night. Matt and Samer go through twelve songs that served as the opening tracks for some amazing albums.You can find the mix here on Spotify:https://open.spotify.com/playlist/04FSmhh5ejKJ5oDdPr1WED?si=060ea013ab8c4c761. A More Perfect Union - Titus Andronicus2. Somebody's Baby - Jackson Browne3. Tell 'Em - Sleigh Bells4. Wouldn't It Be Nice - The Beach Boys5. All We Got - Chance the Rapper6. All I Really Want - Alanis Morrissette7. Kissing the Lipless - The Shins8. The E Street Shuffle - Bruce Springsteen and the E Street Band9. Hands Down - Dashboard Confessional10. Once - Pearl Jam11. Fiery Crash - Andrew Bird12. Welcome to New York - Taylor Swift13. Let Go - Frou Frou14. Back on the Block - Quincy Jones15. Marching Bands of Manhattan - Death Cab for Cutie16. Where the Streets Have No Name - U2 Support the showVisit us at https://www.superawesomemix.com to learn more about our app, our merchandise, our cards, and more!

The Nationals have officially split from the Coalition, with leader David Littleproud saying the partnership has become “untenable” under Liberal leader Sussan Ley; US President Donald Trump says he has agreed on a “framework of a future deal” regarding Greenland; Gen X has now become the generation with the most property wealth in Australia; Unsealed, private texts between Taylor Swift and Blake Lively were just made public. THE END BITS Support independent women's media Check out The Quicky Instagram here GET IN TOUCHShare your story, feedback, or dilemma! Send us a voice note or email us at thequicky@mamamia.com.au CREDITS Host/Audio: Tahli BlackmanBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

I want to build a cross-platform application. Should I just build a PWA or do I need to build a native app? Is it better to use Swift and Java or could I use C# or JavaScript? These are the questions we will answer in today's episode of Dev Questions.Website: https://www.iamtimcorey.com/ Ask Your Question: https://suggestions.iamtimcorey.com/ Sign Up to Get More Great Developer Content in Your Inbox: https://signup.iamtimcorey.com/

Taylor Swift caught in a legal firestorm. Her private texts to bestie Blake Lively never meant to be seen, now public. The just released legal docs raising serious questions about Swift's true role in the “It Ends With Us” drama. Plus, the celeb power plays don't stop there. From Matt Damon, to Ben Affleck, Blake's messages to other A-listers asking for support now exposed.  Then, Prince Harry holding back tears in high court. Why the judge had to stop his emotional testimony over and over. And, the Beckhams' rift gets deeper. Victoria's family message today. Plus, new details on her mother/son bond with Brooklyn gone bad over a tattoo? And, why she owns the trademark over Brooklyn's name. Then, a “Parks & Rec” reunion in the works. The secret Chris Pratt just let slip. Plus, our exclusive with Channing Tatum taking his “Magic Mike” tour to New York City. And, what he's revealing about a possible fourth film. Then, sitcom star Jackee Harry goes under the knife with ET cameras rolling. The before, the after, and the celebs she looked to for inspiration. Plus, her post-op wedding plans with a younger man.  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

On the podcast, I talk with Cem about the premium trap many apps fall into, why free trials work even for freemium products, and how ‘try for $0.00' actually outperforms ‘try for free'.Top Takeaways:

Nashville-based Australian singer-songwriter Emma Swift returns to our program to peel back the layers on her most recent album, The Resurrection Game, a collection of moody and gorgeous original compositions released late last year on the independent Tiny Ghost Records label she co-founded and manages with her partner, Robyn Hitchcock. You may recall Swift last joined us to talk about Blonde On The Tracks, her collection of Bob Dylan covers, and in our conversation she drops news of yet another tribute album, this time featuring the songs of Lou Reed, to be released later in the year.    The Record Store Day Podcast is a weekly music chat show written, produced, engineered, and hosted by Paul Myers, who also composed the theme music and selected interstitial music.  Executive Producers (for Record Store Day) Michael Kurtz and Carrie Colliton. For the most up-to-date news about all things RSD, visit RecordStoreDay.com   Didn't find everything on your RSD lists? Maybe you'll still find it on RSDMRKT.com.    Please consider subscribing to our podcast wherever you get podcasts, and tell your friends, we're here every week and we love making new friends!

It all comes full circle eventually. We first went to Lorwyn waaaay back in 2007, when The Mana Pool started, and we haven't been back since. Until now! The dorks are taking a look at the mechanics and then diving into the full set, focusing on the returning characters! We'll bounce around the rest of the set next episode! Mechanics: https://magic.wizards.com/en/news/feature/lorwyn-eclipsed-mechanics Gallery: https://magic.wizards.com/en/products/lorwyn-eclipsed/card-image-gallery Come join us in the future! The show is live on Thursdays around 8pm(ish) Eastern time on Twitch. Become a Lifeguard on Patreon! – patreon.com/themanapool Podcast RSS Feed: themanapool.libsyn.com/rss YouTube: youtube.com/TheManaPool The Deep End: youtube.com/@TheDeepEndTMP TMP Streams Archive: youtube.com/@TMPStreams Twitch: twitch.tv/themanapool Discord: discord.gg/7da7T6s BlueSky: themanapool.bsky.social Instagram: TheManaPool Threads: @TheManaPool Email: dorks@themanapool.com Intro & Outro Music: Diamond by Swift – https://open.spotify.com/artist/0vAs5HIBkUPbuoN5b5GWTE

Erika Kirk submitted her request for a speedy trial on Friday, January 16, contending that Robinson's legal team has been intentionally delaying the judicial process.See omnystudio.com/listener for privacy information.

Uma nova fase na carreira de Henrique Avancini e uma grande novidade para o ciclismo brasileiro.A equipe Swift Pro Cycling, que há muitos anos carrega a bandeira verde-amarela no circuito UCI America Tour, ganhou uma bela reformulação com a chegada de um forte patrocinador, a Localiza Meoo (braço de assinatura da locadora).Ao time de estrelas como o campeão nacional Otavio Gonzeli, se juntaram jovens promessas, como Luiz Fernando Bonfim, ciclistas de destaque como Bruno Lemes e Renan do Couto.Contudo, a maior novidade eles guardaram em segredo: a presença do bicampeão mundial de XCM. Junto com Avancini, planos ousados, que incluem um investimento na estrutura da equipe e um calendário internacional mais parrudo.Nesse papo exclusivo com Ana Lidia Borba, Avancini conta sobre seus planos e a motivação de voltar a competir por um time brasileiro.

Join The Man of the West as he continues his journeys in southern Gondor, moving into the green fields of Lebennin where the people are hardy and numerous. Learn more about your ad choices. Visit megaphone.fm/adchoices

https://www.youtube.com/watch?v=jxaY85MGBJQ "I have never seen the US government arrive in a desert to plant life. They always arrive to destroy." Venezuela's Acting President Delcy Rodríguez gave a master class on US sanctions policy in 2024 She connected it directly to Palestine: "The genocide against Palestine is an extension of the same policy—the destruction of humanity, exterminating peoples so that speculative capital survives." What she said:

Crypto News: Ethereum treasury co BitMine to invest $200M in YouTuber MrBeast's Beast Industries with DeFi plans expected. Interactive Brokers unlocks 24/7 funding with USDC, plans to rollout Ripple RLUSD and PayPal PYUSD stablecoins next week. Coinbase CEO expects market structure bill markup ‘in a few weeks‘.Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

In this episode, we explore strategic capacity management as Abilene Motor Express being absorbed into Swift signals Knight-Swift's focus on long-term efficiency over brand diversity. We also analyze market resilience as the LTL pricing index hits new high in Q4, contrasting strong LTL yields against a truckload sector that is only showing tentative signs of recovery. Legal risks take center stage as C.H. Robinson makes its legal written case before SCOTUS on broker liability, arguing that the F4A safety exemption does not impose negligence liability on brokers. On the regulatory front, we discuss how the DOT to use AI to go after illegal truckers is transforming artificial intelligence from an operational tool into a weapon against fraud and compensation erosion. Technological fragility is exposed in our breakdown of How Verizon's Cellular Outages Expose Trucking's Technology Achilles' Heel, revealing the liability risks of cloud-dependent ELDs during infrastructure failures. Finally, we look at positive global news as Maersk returns to Red Sea with India-US service, shaving a week off transit times by resuming Suez Canal routes. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

Apple presenta MANZANO, su nuevo modelo de visión y generación de imágenes, capaz de rivalizar con Nano Banana Pro o GPT Image. Un modelo que cambia las reglas del juego con un tokenizador híbrido que permite un trabajo equilibrado entre la compresión de las imágenes y la generación de las mismas. Os explicamos en qué consiste este modelo, como será integrado en los sistemas Apple, cuales son sus posibilidades... Apple, que sigue como pionera en el mundo de la IA, demuestra una vez que las cosas pueden hacerse mejor y esta vez compitiendo de tú a tú con modelos de imagen State of the Art. El desarrollo ha cambiado para siempre con la llegada de los agentes de IA, y para poder sacarle el mayor provecho y ser un desarrollador de los que buscan las empresas por su ultra-productividad, tienes que ser un Maestro: consígue la Maestría con el Swift Mastery Program 2026. Descárgala ya desde el App Store: Be Native y escúchanos desde ahí. Suscríbete a nuestro canal de Youtube: Apple Coding en YouTube Descubre nuestro canal de Twitch: Apple Coding en Twitch. Descubre nuestras ofertas para oyentes: - Cursos en Udemy (con código de oferta) - Apple Coding Academy - Suscríbete a Apple Coding en nuestro Patreon. - Canal de Telegram de Swift. Acceso al canal. --------------- Consigue las camisetas oficiales de Apple Coding con los logos de Swift y Apple Coding así como todo tipo de merchadising como tazas o fundas. - Tienda de merchandising de Apple Coding.

Can Swiftynomics save America? That's the intriguing thesis at the heart of Misty Heggeness' new book about Swift's impact on the American economy. Entitled Swiftynomics, it's as much about Taylor Swift's fans as it is about the megastar herself. “Taylor Swift is not moving mountains in local communities,” Heggeness acknowledges. “Her fans are. They are willing to fork out thousands of dollars, travel to another city, stay in hotels, get their hair done - that's the real economic engine.” So Swiftynomics is really about what Taylor Swift unleashes, not who she is. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

If the stories are to be believed, and the first casualty of war is truth and all that, Venezuelan President Nicolas Maduro sent some 3.6 million ounces of gold - $16 billion in today's money - to Switzerland before 2017, when the EU brought sanctions against Venezuela.Switzerland last week froze his accounts and the accounts of some 36 others with close ties. We don't know how much money he had in them, or how many accounts there were, but the figure doing the rounds is $10 billion.It has also emerged that Tether has been freezing “wallets identified as being involved in the Venezuelan oil trade.” As much as 80% of Petroleos de Venezuela's oil revenue is believed to be transacted in tether. This could be a total figure in the billions too.We also know that Venezuela was mining bitcoin for many years - when the price was a lot lower - but we don't know what they did with the coins. Did they fall into Maduro's hands? Were they sold? Were they held?The number doing the rounds here that it owns 600,000 BTC (~$60 billion). That would put Venezuela up there with Michael Saylor and Strategy. It's three times the 198,000 coins the US government itself is said to own.There's a seed phrase I'd like to know. Where are the keys, I wonder?And where did the proceeds of Venezuela's enormous oil, gold and other natural resource exports end up, exactly? Only some of them we know. At this point we remind you that the Venezuelan currency itself - the bolivar - collapsed in hyperinflation and has little to no value. Beware national currencies, particularly under socialist regimes. They don't last.There are several things I take away from all of this.First, the US dollar - whether via SWIFT or stablecoin - remains the number one international currency of choice, even for America's enemies.Second, tether and other US dollar stablecoins might be convenient - you don't have to use banks - but Tether will do what the US government tells it to do, and if the government wants your assets frozen, Tether will freeze them.Stablecoins, then, have a central point of failure. If someone can freeze them, they are not sovereign. And just as the US froze Russian US dollar assets after its invasion of Ukraine, so can and will it freeze the stablecoin assets of its enemies too.What did that 2022 freezing of Russian assets trigger? The mother of all bull markets in gold, and then silver and miners.What will this freezing trigger? A bull market in bitcoin. Possibly. Likely.It's already creeping back up.While the US does its geo-political, strategic, critical minerals thing, quaint old Western Europe is sinking deeper into higher taxes and - I'm sure they're coming eventually - capital controls. In fact, capital controls already exist in effect, banks are so heavily regulated and limiting of what you can send and to whom.The value of permissionless, international money just went up.You need to own money that they can't touch, whether by seizure or debasement.Meanwhile …Gold and silver continue to go bananas - the latter especially.So many roads lead to gold at the moment, it's hard to see when this stops.The inevitable debasement of national currencies off the back of uncontrollable government spending. Gold. Dedollarisation. Gold. Increasing geo-political uncertainty - Iran, Venezuela. Gold. Reshoring of US industry - highly inflationary. Gold. Revaluation of US gold holdings. Gold. Looming crisis from Japan as yields spike. Gold. China's ambitions for its currency and trade. Gold. Triffin's dilemma. Gold. AI putting everyone out of work leading to more money printing. Gold. Declining competence of and as a result faith in institutions worldwide. Gold.The dollar has now fallen to a 40% share of global central bank reserves, while gold is now at 30% on the back of its higher price and central bank accumulation. (Note currency and reserves are not the same).We are in a major capital rotational event the like of which occurs only every few decades.Typical portfolios are still underweight gold.If you live in a Third World Country such as the UK, I urge you to own gold or silver. The pound is going to be further devalued. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, US, Canada and Europe or you can store your gold with them. More here.Own bothAs regular readers will know, I advocate owning both bitcoin and gold. The two assets have many similarities in that they are non-government, independent money. But the fundamental difference is that one is physical and one is digital.Both have their uses, and I have little patience with this notion that one must choose one or the other.In that regard, as with many others, my worldview is aligned with that of Charlie Morris (whose newsletters I urge you to subscribe to. There are lots of free options, including Atlas Pulse, which I love). Remember many years ago Charlie was calling for $7,000 gold by the end of this decade and many thought he was dotty. His call is looking perfectly sensible now, which it was - and which he is. Charlie previously managed a multi-billion-dollar fund for HSBC, before going solo. Aside from his newsletter, one his main endeavours has been BOLD, and he has been trying to get it listed for years. But the UK's Financial Conduct Authority is retarded.BOLD is a fund you can buy through a broker which is 75% gold and 25% bitcoin - all properly audited and backed, of course, with institutional-grade custody.Over the past five years, BOLD has returned 186%, while bitcoin has returned 202%, gold 128%, and equities 77%. The average return of bitcoin and gold together was 165%, yet BOLD was 21% ahead. This is because every month Charlie rebalances the portfolio, effectively buying more of whichever is the weaker asset to retain that 75:25 ratio. This act of rebalancing both strips out the volatility and increases the gains.Since Charlie first conceived of it in 2017, over pretty much any timeframe, BOLD (in blue) has beaten everything.Since its listing in Europe in 2022 BOLD has returned 123% since launch (in GBP to end 2025 including fees) compared to 111% for bitcoin and 113% for gold.It would have been nice to have been able to enjoy these gains in the UK. Thank goodness the FCA has protected us from them.Not for much longer.I was delighted to be at the London Stock Exchange yesterday to see the listing of this product which delivers “bitcoin-like returns with the lesser volatility of gold.”Congratulations, Charlie, for finally getting this listed. I wish you every success.Now we can actually invest.Obviously, if gold AND bitcoin both turn down, BOLD will suffer. But this is a classic buy-and-forget product, perfect for the Dolce Far Niente portfolio. You can own it in your pension, your ISA and it should become a mainstay of any portfolio.The 21Shares Bitcoin Gold ETP, BOLD, has the ticker LSE:BOLD.I am a buyer.PS some brokers such as AJ Bellend have only made this product available to pro investors. The broker I use is Interactive Investor, who are pretty good about getting these kinds of things live. If you open an account via this link you get a year's free. I am just on the phone to them now to get this listed.Disclaimer:The Flying Frisby is not regulated by the Financial Conduct Authority (FCA) or any other regulatory body as a financial advisor. Therefore, any information provided in this newsletter does not constitute regulated financial advice. It is solely an expression of opinion. Please conduct your own due diligence and consult with a financial advisor, if you have any doubts. Remember, markets can both rise and fall, especially in the case of small and mid-cap stocks. I am not aware of your individual financial circumstances, so only invest money that you can afford to lose. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureConspiracy no more, the D’s in Mass want to limit miles people can drive because of climate change. Biden/Obama forces electrical prices higher, Trump is now bringing the prices down and AI datacenters will be powered separately. The [CB] awakening has begun. Sometime you need to show the people the truth. The world is changing, Trump has shutdown the money supply around the world, the [DS] is in a deep panic and soon the people of Iran will take back their own country. As the [DS] criminal syndicate falls apart are they planning an armed civil war? Trump admin designates the Muslim Brotherhood a terrorist organization, other chapters to follow. In the end the Patriots have full control, once the chaos begins the partios will round them all up, it will be clean and swift. Economy https://twitter.com/libsoftiktok/status/2010831605430976627?s=20  Telecommunications, Utilities, & Energy and now heads to the Senate Ways and Means Committee (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");    major changes beginning this week to ensure that Americans don't “pick up the tab” for their POWER consumption, in the form of paying higher Utility bills. We are the “HOTTEST” Country in the World, and Number One in AI. Data Centers are key to that boom, and keeping Americans FREE and SECURE but, the big Technology Companies who build them must “pay their own way.” Thank you, and congratulations to Microsoft. More to come soon! President DJT Trump Will Request to Limit Credit Card Interest Rates to 10% for One Year to Combat the Scams of the Big Financial Companies   Trump Administration. Thank you for your attention to this matter. MAKE AMERICA GREAT AGAIN! PRESIDENT DONALD J. TRUMP This initiative is a great for reversing the damage caused by leftist policies that prioritized uncontrolled spending and galloping inflation over the well-being of the working people. Under the Biden administration, credit card interest rates skyrocketed, reaching an average of 21.5 % in 2024, according to data from the Federal Reserve Bank, exacerbated by inflation that reached peaks of 9 % in 2022. This escalation was not an accident, but the direct result of Democratic policies that injected trillions in unnecessary stimuli, increasing the national debt and forcing the Fed to raise base rates to contain the crisis. Source:  gatewayhispanic.com  https://twitter.com/truflation/status/2011071380175860037?s=20   price data has been showing  https://twitter.com/julie_kelly2/status/2010924086981984640?s=20 https://twitter.com/DrJStrategy/status/2011032604313518251?s=20  a hoax. What Powell actually did •Powell chose to go public with a dramatic video statement saying DOJ subpoenas “threatened a criminal indictment” over his testimony on the Fed's multibillion‑dollar building renovations. •He explicitly framed the subpoenas as “pretexts” and cast them as retaliation for the Fed setting rates independently of the president, elevating a renovation/cost‑overrun inquiry into an existential attack on central bank independence. The framing of criminal indictment came from Powell! In what look liked a scripted response, all of the Fed acolytes on Wall St cried foul, they bought in hook line and sinker!!! What the U.S. Attorney is saying •The U.S. Attorney's Office for D.C. has stated they contacted the Fed “on multiple occasions” about cost overruns and Powell's congressional testimony, were ignored, and therefore resorted to formal legal process, which they stress “is not a threat.” •Jeanine Pirro has been explicit that “the word ‘indictment' has come out of Mr. Powell's mouth, no one else's,” and that “none of this would have happened if they had just responded to our outreach.” “Above the law” behaviour. •Powell now publicly insists “no one is above the law,” even as the record shows the Fed disregarded informal outreach and only engaged once grand jury subpoenas landed, which is the opposite of transparent cooperation. Recall Choke Point 2.0 and the unbanking of individuals. •By recasting a straightforward question of cost overruns and possible misstatements to Congress as an illegitimate “criminal indictment threat,” Powell is effectively demanding a special zone of immunity wrapped in the rhetoric of independence. Why central bankers are “charging the hill” •Former Fed chairs and global monetary grandees have rushed out statements condemning the probe as an attack on Fed independence, treating any prosecutorial look at a central banker as inherently out of bounds. The former Fed officials' statement is doing exactly what the “51 intel officials” letter did on the Hunter Biden laptop: using elite signatures to launder a political narrative into institutional dogma and declare scrutiny itself illegitimate. Powell and his allies are recasting a narrow DOJ inquiry into cost overruns and testimony accuracy as an existential assault on “independence,” and an all‑too‑willing media is once again treating the letter as revealed truth instead of asking hard questions This closes ranks around the idea that central banks sit on a higher plane than normal agencies, immune not only from political pressure on rates, which is legitimate, but also from standard legal and fiscal oversight, which is not. MSM and the death of the 4th estate •Much of legacy media has adopted Powell's framing almost verbatim: “unprecedented attack on independence,” “monetary policy under assault,” while relegating the core factual dispute,ignored outreach, cost overruns, accuracy of testimony, to secondary status. Powell and the central banking crowd are behaving in a way that is frankly odd: they stonewall basic oversight, scream “independence” the moment anyone reaches for legal tools, and act as though they stand above the law—while a compliant MSM gladly carries their narrative, proof the fourth estate has checked out. All of this does not meet the smell test. Is the Fed above the US Constitution? Why did Powell go public and choose the framing that he did? Why did MSM and so called objective pundits not do any objective analysis. Smells like elements of a Russia Russia Russia hoax strategy to me. https://twitter.com/MetaLawMan/status/2010816276508082343?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2010816276508082343%7Ctwgr%5E6585e9ff019ea8191354a3bf06c918cdfd10f00c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fjoehoft.com%2Fcorrupt-fed-head-jerome-powell-added-trillions-in-unnecessary-us-debt%2F   service of a subpoena on the Fed is not a threat to indict him. Subpoenas are investigative tools. It's possible that the government separately advised Powell that he was a “target” of the investigation, but he didn't say that. 3. Nowhere in the statement does Powell say his testimony to Congress about the Fed construction project was truthful and accurate. https://twitter.com/USAttyPirro/status/2010886969518170452?s=20  Powell's mouth, no one else's. None of this would have happened if they had just responded to our outreach. This office makes decisions based on the merits, nothing more and nothing less. We agree with the chairman of the Federal Reserve that no one is above the law, and that is why we expect his full cooperation. Political/Rights https://twitter.com/DailyCaller/status/2011107269585616922?s=20 https://twitter.com/RapidResponse47/status/2011108530842108290?s=20 https://twitter.com/DHSgov/status/2010742739562901678?s=20   Procedure is same used in any location, such as hospital etc. https://twitter.com/nicksortor/status/2011067479603257616?s=20 https://twitter.com/CynicalPublius/status/2011085032606102012?s=20  American law and the accompanying reduction in crime. However, there are a few certain locations where law enforcement refuses to assist in law enforcement, and the local politicians and a base of Marxist-organized civilians actively oppose (sometimes violently) ICE’s lawful operations. It’s those latter locations, few in number but outsized in media reporting–all run by Democrats–that give a false impression as to how much Americans appreciate getting what they voted for. https://twitter.com/KCPayTreeIt/status/2010475982038147336?s=20 DOGE Geopolitical https://twitter.com/sentdefender/status/2010965644867485898?s=20   Tehran, according to the Wall Street Journal https://twitter.com/MarioNawfal/status/2011029585161568307?s=20 lowballing. In 2019 they said 230 died, Reuters reported 1,500. Iran International estimated 2,000+ last week based on hospital reports and morgue footage. Now the regime’s confirming it. But they’re framing it as “terrorists killed these people” not “we shot 2,000 protesters.” That’s the setup for mass trials and executions. 2,000 dead in 2 weeks. That’s 140+ per day. During a communications blackout. In a country claiming it has “total control.” Source: Reuters, Iranian official https://twitter.com/IranIntl_En/status/2011018647255322754?s=20   a coordinated blackout aimed not only at security control but at concealing the truth, reflected in internet cuts, crippled communications, media shutdowns, and the intimidation of journalists and witnesses. Publication was delayed until the evidence converged. The assessment is based on a multi-stage review of information from a source close to the Supreme National Security Council; two sources in the presidential office; accounts from several sources within the Islamic Revolutionary Guard Corps in Mashhad, Kermanshah and Isfahan; testimonies from eyewitnesses and families of those killed; field reports; data linked to medical centers; and information provided by doctors and nurses in multiple cities.  Trump administration designates 3 Muslim Brotherhood branches as terrorist organizations   The Trump administration labeled three Muslim Brotherhood branches as terrorist organizations on Tuesday, imposing sanctions on them and their members. The Lebanese, Jordanian and Egyptian chapters of the Muslim Brotherhood pose a risk to the United States and American interests, according to the Treasury and State departments. “These designations reflect the opening actions of an ongoing, sustained effort to thwart Muslim Brotherhood chapters' violence and destabilization wherever it occurs,” Secretary of State Marco Rubio said in a statement obtained by The Associated Press. “The United States will use all available tools to deprive these Muslim Brotherhood chapters of the resources to engage in or support terrorism.” The Jordanian and Egyptian branches were designated by the Treasury as specifically designated global terrorists for providing support to Hamas. The Lebanese branch was labeled a foreign terrorist organization, which is the most severe, meaning it is a criminal offense to provide material support to the group. Source;  wsbt.com  Rubio Designates Egyptian, Jordanian and Lebanese Chapters of Muslim Brotherhood as Foreign Terrorist Organizations Keep in mind the Muslim Brotherhood is the fabric on the umbrella of political Islam. Each faction represents and individual spline on the umbrella construct, but the Muslim Brotherhood overall is a political extremist system for various levels of authentic Islam. The regional chapters that really matter, the difficult ones to navigate will be in Qatar, Syria and especially the Turkish factions. These are more politically connected to the home government interests. Source: theconservativetreehouse.com 1237 Apr 22, 2018 1:31:31 AM EDT Q !xowAT4Z3VQ ID: 3e4934 No. 1141069  “The process of settlement is a ‘Civilization-Jihadist Process' with all the word means. The Ikhwan [MUSLIM BROTHERHOOD] must understand that their work in America is a kind of grand jihad in eliminating and destroying the Western civilization from within and ‘sabotaging' its miserable house by their hands and the hands of the believers…” https://clarionproject.org/muslim_brotherhood_explanatory_memorandum/ Q 3881 Q !!Hs1Jq13jV6 ID: b03e04 No.8238822 Feb 24 2020 20:36:43 (EST) EMHyS2xXkAA8JrB.png https://twitter.com/cain_nate/status/1231066589996318720 Listen carefully. Think: re: why [no] arrests (justice) yet? What if (almost) every critical position [sr] within the US GOV apparatus was infiltrated? WHAT MUST BE DONE FIRST? THE SWAMP RUNS DEEP. +Sleepers Backgrounds are important. Muslim Brotherhood List of ‘in the news now [names]‘ w/ known ties to Islam? THIS IS NOT ANOTHER 4-YEAR ELECTION. [assumptions correct – package well rec [known]] Q https://twitter.com/WhiteHouse/status/2010902536757162398?s=20 765 Feb 15, 2018 1:08:41 AM EST Q !UW.yye1fxo ID: 276796 No. 382161  WATCH THE WATER. Q War/Peace Medical/False Flags [DS] Agenda https://twitter.com/MrAndyNgo/status/2010746570853990773?s=20 https://twitter.com/EndWokeness/status/2010419447987937370?s=20 Antifa TikTok Agitator Urges Armed Leftist Militias to ‘Fight' ICE Agents Radical TikTok agitator Danesh Noshirvan has crossed a dangerous line. The Antifa-aligned mega influencer is now openly calling for organized, armed left-wing militias to confront ICE agents and federal law enforcement in America's largest cities. Danesh Noshirvan is directly linked to Scott Dworkin, founder of the Democratic Coalition Against Donald Trump. According to reports, Dworkin and even foreign interests bankroll Noshirvan's activities. Source: thegatewaypundit.com https://twitter.com/libsoftiktok/status/2010988104853659986?s=20 https://twitter.com/nicksortor/status/2010833162151346316?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2010833162151346316%7Ctwgr%5Ec535903544267d9392f4466181097498d09593a1%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fnew-minnesota-ag-keith-ellison-minneapolis-mayor-jacob%2F   should be in JAIL. Treasury Secretary Scott Bessent Says There Are “DISTURBING TAPES” of Minnesota AG Keith Ellison Taking Money to Stop Investigations Into Somali Fraud   the U.S. Treasury Secretary confirmed that federal authorities are aggressively “following the money” amid explosive fraud investigations tied to Minnesota's sprawling Somali-linked financial networks. According to Bessent, the Treasury Department has launched multiple enforcement actions focused on suspicious financial flows between Minnesota residents and businesses and overseas destinations, including East Africa, as the federal government intensifies its immigration and fraud crackdown in the state. But the real bombshell dropped during an interview with Blaze: Scott Bessent:“It's hard to follow the money. There are evidently some disturbing tapes of AG Ellison in meetings with people who donated to him—calling for political favors to stop the investigations. We'll see. I don't want to get out ahead of the investigation. It's going to be very methodical. But I can guarantee you—when the bear trap snaps, we're going to get these folks. We're going to follow the money, whether it's here in Minneapolis and St. Paul or over in East Africa. There are tons of luxury properties and cars that have been bought over there.” WATCH: Source: thegatewaypundit.com    Countries who illegally entered the USA though Sleepy Joe Biden's HORRIBLE Open Border's Policy. Every place we go, crime comes down. In Chicago, despite a weak and incompetent Governor and Mayor fighting us all the way, a big improvement was made. Thousands of Criminals were removed! Minnesota Democrats love the unrest that anarchists and professional agitators are causing because it gets the spotlight off of the 19 Billion Dollars that was stolen by really bad and deranged people. FEAR NOT, GREAT PEOPLE OF MINNESOTA, THE DAY OF RECKONING & RETRIBUTION IS COMING! Minnesota’s total population as of July 1, 2024, is estimated at 5,793,151.  Approximately 8% of the state’s population is foreign-born, meaning about 463,452 individuals, while 92% (around 5,329,699) are native-born (U.S.-born). Minnesota is home to the largest Somali-American population in the United States, with people of Somali descent making up a notable ethnic group.  Recent estimates from the U.S. Census Bureau’s American Community Survey (ACS) for 2024 put the number of individuals of Somali descent in Minnesota at around 107,000 to 108,000, representing about 1.85% of the state’s total population.  (Note: Some sources provide slightly varying figures, such as 76,000 as a lower estimate, but the ACS data consistently points to the higher range. )Breakdown Within the Somali Population in MinnesotaThe Somali community in Minnesota includes both U.S.-born individuals and foreign-born immigrants or refugees. Here’s a detailed split based on nativity and citizenship status:  https://twitter.com/DataRepublican/status/1919002207896174765?s=20  or his NGOs appeared in the Journal of Democracy. It’s the flagship journal of the National Endowment for Democracy (NED), the same organization featured prominently in that widely circulated “Uniparty NGO” network diagrams below. NED is a U.S. government-funded outfit. It includes currently sitting members of Congress on its board… from both parties, not just former officials. Soros's involvement is deep. He has co-chaired NED conferences abroad and his Open Society NGOs regularly partner with NED operations, especially in countries undergoing “transitions” (read: regime change or soft power penetration). Together, Soros and US-backed NGOs have shaped funding pipelines, media narratives, and even foreign electoral strategies. So when people ask, “Why isn't Soros banned?” … they need to understand: he’s not an outsider. He’s part of our government. The Uniparty protects and partners with him, because he helps carry out a shared foreign policy vision… the same one that labels President Trump as a threat to democracy. NED members include:    Victoria Nuland – Director of the National Endowment for Democracy; Acting United States Deputy Secretary of State under Biden (served in both parties).   Karen Bass – Vice Chair of the National Endowment for Democracy; former U.S. Representative and current Mayor of Los Angeles (Democrat).    Todd Young – Honorary at the National Endowment for Democracy; U.S. Senator from Indiana (Republican).    Elise Stefanik – Director at the National Endowment for Democracy; U.S. Representative from New York and House GOP Conference Chair (Republican).   Mel Martinez – Director at the National Endowment for Democracy; former U.S. Senator from Florida (Republican).   Steve Biegun – Director at the National Endowment for Democracy; former U.S. Deputy Secretary of State (Republican).    Todd Young – Honorary at the National Endowment for Democracy; US Senator from Indiana (Republican). https://twitter.com/EricLDaugh/status/2011165232815882294?s=20 Just In: Bill and Hillary Clinton Refuse To Testify in Front of House Oversight Committee, Daring Chairman Comer To Hold Them in Contempt of Congress After months of dispute against House Oversight Committee Chairman James Comer, Bill and Hillary Clinton have today (13) REFUSED to testify in the House's Jeffrey Epstein investigation. This escalates the battle with Comer, Republican of Kentucky, and the former U.S. President and Secretary of State are effectively daring him to hold them in contempt of Congress. The New York Times reported: Source: thegatewaypundit.com President Trump's Plan Lefty DOJ Lawyers Rage-Quit After Harmeet Dhillon Blocks ICE Witch Hunt A group of lawyers in the Civil Rights Division of the U.S. Department of Justice (DOJ) have reportedly resigned after Assistant Attorney General for Civil Rights Harmeet Dhillon declined to investigate the Immigration and Customs Enforcement (ICE) officer involved in last week’s shooting in Minneapolis, Minnesota. The group had apparently pushed Dhillon to let a DOJ delegation fly to Minneapolis to investigate the January 7 shooting death of far-left agitator Renee Nicole Good, who was shot after she used her two-ton Honda Pilot as a weapon against the officer. Despite pressure from the lefty lawyers – described as “career prosecutors” – to initiate a witch hunt against the officer, Dhillon put a kibosh on their plans. They were apparently informed of the decision not to move forward with an investigation of the ICE agent last Friday.  After being told “no,” a group of “top leaders” in the criminal section of the Civil Rights Division “have left their jobs to register their frustration with the department.” Shock, horror. Sounds like the DOJ is well rid of this cabal, and these departures could be part of a trend of mass resignations amongst the old guard. This, of course, also saves Dhillon the trouble of having to draw up their pink slips.  Source: redstate.com  https://twitter.com/amuse/status/2010791586980933826?s=20   later. This is a system built for abuse by design https://twitter.com/CynicalPublius/status/2010886531838595278?s=20 https://twitter.com/ElectionWiz/status/2010777023673999531?s=20 https://twitter.com/USDOL/status/2010771852696617401?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

In this episode of The Consultant's Counsel podcast, Kelsey Creveling speaks with Adam Qureshi and Istvan Hoka, co-founders of Fly Swift Tail, about their entrepreneurial journey in the private aviation industry. They discuss the challenges of building a startup, the importance of understanding market needs, and the impact of AI on business operations. The conversation also touches on regulatory hurdles, the founders' backgrounds, and practical advice for aspiring entrepreneurs.TakeawaysNetworking on LinkedIn can lead to unexpected partnerships.Understanding the problem is crucial for startup success.The private aviation market is fragmented and needs innovation.Regulatory challenges are significant in the aviation industry.Delineating responsibilities in a startup is essential for efficiency.Founders' diverse backgrounds contribute to their startup's vision.AI can enhance productivity and efficiency in business.Ethical considerations around AI are increasingly important.Entrepreneurs should embrace AI tools to stay competitive.Starting a side hustle can mitigate job risks.Chapters00:00 The Genesis of a Partnership02:21 Identifying Market Gaps in Private Aviation05:05 Navigating Regulatory Challenges07:35 Delineating Roles in a Startup10:03 The Journey to Product Market Fit12:52 Foundational Experiences of the Founders15:42 Building a Marketplace in the Tesla Space17:27 Istvan's Path to Entrepreneurship22:17 The Freedom of Entrepreneurship23:20 Building a Social Media Firewall25:23 The Impact of AI on Efficiency27:35 The Future of AI and Energy30:05 Addressing AI Fears and Ethical Considerations35:07 AI's Agency and Its Implications38:27 Preparing for the AI Revolution45:34 Advice for Future InnovatorsConnect with the Guests:Adam Qureshi on LinkedIn: https://www.linkedin.com/in/adamqureshi/Istvan Hoka on LinkedIn: https://www.linkedin.com/in/ihoka/Fly Swift Tail: https://flyswifttail.comConnect with Kelsey on LinkedIn: https://www.linkedin.com/in/kelseycrevelingWork with Kelsey: https://kelsc.consultingThanks to TORY for sponsoring this episode (Host Kelsey Creveling is the Founder & CEO of TORY). To learn more: https://inventory.capitalResources + Courses for Consultants: https://theconsultantscounsel.comFollow:The Consultant's Counsel Instagram - https://www.instagram.com/theconsultantscounselLinkedIn - https://www.linkedin.com/showcase/theconsultantscounselYouTube - https://www.youtube.com/@theconsultantscounselPartnerships & Affiliations:*Disclaimer: A brand affiliate relationship is in place with the following brands, and a commission may be earned if a purchase is made using the link or provided discount code.The Healing Mind™ - Download the app: https://apps.apple.com/app/apple-store/id1632086744?pt=125216772&ct=Kelsey%20Creveling&mt=8Riverside - Sign up today! https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=kelscAlaska Rhodiola: A supplement that can fortify your stress response and help you handle life's difficulties with far more ease. Your workouts can be more frequent and intense, avoid needing a daily nap, and achieve an emotional state that is far more balanced.Use code KELSEY24 at checkout when you have two in your cart for Buy One Get One Free. https://www.akroseroot.com/?sca_ref=7400745.eAH0u5h9JI

Hey it's the first episode of 2026! And the dorks are back in force, with a big look at the different types of aliens and how they're depicted in media. We're talking aliens that are friendly, absolutely not friendly, just sort of passing through, and not even sentient, and how they've been shown in movies, shows, games, comics, and whatever else comes up. And at the end we'll dip into some real science to discuss the possibility of the existence of aliens out there somewhere and the likelihood that they're actually hanging out on and around Earth. Let us know about your favorite aliens and whether or not you think they're out there! Come join us in the future! The show is live on Thursdays around 8pm(ish) Eastern time on Twitch. Become a Lifeguard on Patreon! – patreon.com/themanapool Podcast RSS Feed: themanapool.libsyn.com/rss YouTube: youtube.com/TheManaPool The Deep End: youtube.com/@TheDeepEndTMP TMP Streams Archive: youtube.com/@TMPStreams Twitch: twitch.tv/themanapool Discord: discord.gg/7da7T6s BlueSky: themanapool.bsky.social Instagram: TheManaPool Threads: @TheManaPool Email: dorks@themanapool.com Intro & Outro Music: Diamond by Swift – https://open.spotify.com/artist/0vAs5HIBkUPbuoN5b5GWTE

Apple y Google han hecho oficial el acuerdo mediante el cual, Apple licenciaría el modelo de lenguaje Gemini 3 para usarlo en Apple Intelligence. De esta forma, la nueva Siri y toda la infraestructura de Apple Intelligence que dependa de un modelo de lenguaje, usará el modelo de Google Gemini como AFM (Apple Foundation Model). Un rumor que ahora se confirma. ¿Qué significa esto? ¿Significa que Apple usará los servicios de Google? ¿Qué cambia ChatGPT por Google? Ni mucho menos, es mucho más complejo que eso y os lo explicamos detalladamente. El desarrollo ha cambiado para siempre con la llegada de los agentes de IA, y para poder sacarle el mayor provecho y ser un desarrollador de los que buscan las empresas por su ultra-productividad, tienes que ser un Maestro: consígue la Maestría con el Swift Mastery Program 2026. Descárgala ya desde el App Store: Be Native y escúchanos desde ahí. Suscríbete a nuestro canal de Youtube: Apple Coding en YouTube Descubre nuestro canal de Twitch: Apple Coding en Twitch. Descubre nuestras ofertas para oyentes: - Cursos en Udemy (con código de oferta) - Apple Coding Academy - Suscríbete a Apple Coding en nuestro Patreon. - Canal de Telegram de Swift. Acceso al canal. --------------- Consigue las camisetas oficiales de Apple Coding con los logos de Swift y Apple Coding así como todo tipo de merchadising como tazas o fundas. - Tienda de merchandising de Apple Coding.

Climate resilience via better data: 7 cm-resolution via satellites and aerial imagery that does in hours what 80,000 drones would do in weeks.

Bienvenue dans le trois-centième épisode de CacaoCast! Dans cet épisode, Philippe Casgrain et Philippe Guitard discutent des sujets suivants: electricite-quebec.info - La demande provinciale au bout des doigts Electron Liquid Glass - On n'arrête pas le progrès! Swift concurrency - Enfin un guide simplifié Icônes dans les menus de Tahoe - Vous pouvez les enlever dans votre application Subtext - Un éditeur de texte pour iOS simple et gratuit Unixv4.dev - Unix original dans votre navigateur Sloppy - La nouvelle mascotte IA de Microsoft Drone et ski - Un petit film de Philippe Ecoutez cet épisode

Swift atmospheric highway... Get cozy and relax! This podcast is funded by advertising. Info and offers from our sponsors: https://linktr.ee/PodcastForSleep Here's the Wikipedia article (revised): https://en.wikipedia.org/wiki/Jet_stream CC BY-SA 4.0 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Defiant Podcast, Chris Storaker sits down with Alex Garn, Chief Product Officer at Borderless, to unpack how stablecoins are quietly transforming cross-border payments — and what it actually takes to move money at scale across jurisdictions.Alex walks through Borderless' role as an orchestration layer for global on- and off-ramps, why the company stays out of the flow of funds, and how a single API can replace dozens of fragmented integrations across local regulators, liquidity providers, and banking partners.We explore why stablecoins are moving beyond trading and DeFi collateral into real-world enterprise payments, where they already outperform legacy rails on settlement speed, transparency, and custody — especially across emerging market corridors like Latin America and Southeast Asia.The conversation also digs into the hard parts: liquidity constraints by corridor, KYC and compliance friction, why US–EU payments still favor SWIFT, and whether incumbents like Visa, Mastercard, and SWIFT are more likely to be disrupted or to acquire their way into the future.Finally, Alex shares his outlook on regulatory clarity post-GENIUS, the coming wave of corporate stablecoin adoption, and why distribution — not branding — will determine which stablecoins ultimately win.00:00 — Intro: Alex joins The Defiant Podcast01:30 — From DeFi & data science to stablecoin payments04:10 — What Borderless does: orchestration vs custody07:10 — Why cross-border on/off-ramps are still fragmented10:00 — Stablecoins beyond DeFi: real enterprise payment use cases12:45 — Treasury management, payouts, and B2B adoption15:30 — Liquidity realities: when $10M+ stablecoin payments work18:10 — Why US → Latin America leads stablecoin adoption20:30 — Where stablecoins don't win (yet): US–EU & SWIFT22:50 — KYC as the biggest bottleneck in crypto payments26:00 — Self-custody, bank risk, and corporate treasuries29:30 — Stablecoins vs SWIFT: speed, cost, and settlement33:00 — Visa, Mastercard, SWIFT, and the M&A race36:40 — Regulation after GENIUS and global spillover effects39:40 — What enterprise adoption looks like in the next 2–3 years42:30 — Stablecoin fragmentation, liquidity, and consolidation45:00 — Closing thoughts: what excites Alex most about the future

Send us a textIn this chaotic, cozy, absolutely unhinged end-of-year recap episode for The Book Fix podcast, Yajaira and Cheli sit down to discuss the books they've devoured from July through December 2025 and finally do what must be done: make a definitive Book Fix tier list. No mercy. No favorites spared. No trope immune. (And yes, they fight this time!)The girls revisit every single title they reviewed this season — from the haunting vibes of The Possession of Alba Díaz, The Bewitching, and Mapping the Interior, to the romantasy standouts like The Knight and the Moth, The Fallen & the Kiss of Dusk, and Curse Carved in Bone. They dive back into the cowboy chaos of Lost & Lassoed, Done & Dusted, and Swift & Saddled, plus all the mafia and morally questionable romances like Ruthless Creatures, Caught Up, and My Ex, the Antichrist. Join the besties as they make the difficult decision and pick their favorite book of 2025! Speculative Fiction Writing Made Simple: Write, Edit, and Publish Your Debut NovelMost writing podcasts just inspire. This one teaches the craft skills that hook readers.Listen on: Apple Podcasts SpotifySupport the showOur Linktree: https://linktr.ee/thebookfix?utm_source=linktree_admin_sharebecome our Patron ♡ https://www.patreon.com/BookFixbuy us a book ♡ https://www.buymeacoffee.com/thebookfixBusiness Inquiries: thebookfixpodcast@gmail.comfollow us on Tiktok! ♡ https://www.tiktok.com/@thebookfix

Happy New Year! Welcome to Season 8 of Heart + Sole! Kathryn catches up with Melody Wiseman after a two-month break, discussing their holiday experiences, the importance of routine, and their favorite binge-worthy shows. They dive into the latest season of Salt Lake City, share insights from Taylor Swift's documentary, and reflect on pop culture trends, including celebrity relationships and New Year's Eve celebrations. I can't wait for another season of H+S with you! Follow me on Instagram:Kathryn @kathryn_benkoHeart + Sole @heartandsolepodcastSole Fitness @sole_fitnessSubscribe to our new YouTube Channel and WATCH all episodes of Season 6 and 7!Sign up for the Sole Online Training App!Use coupon code 'SOLE20' for 20% off your first month!!Follow Melody on Instagram: @melodywiseman

On the podcast, I talk with Jeff about Tinder's $50 million paywall win. Why now is such a great time to build apps, and how hard paywalls can mislead you about product-market fit.Top Takeaways:

THE FALL OF MADURO Colleagues Alejandro Peña Esclusa and Ernesto Araújo. Alejandro Peña Esclusacelebrates the swift US capture of Maduro as Venezuela's liberation. He argues Vice President Delcy Rodriguez must now dismantle the "Cartel of the Suns" to avoid Maduro's fate. Ernesto Araújo frames this as a decisive victory for freedom, forcing a choice between democracy and criminal syndicates. NUMBER 9 1876 BOLIVAR ENTERS CARACAS

In which the Westenra walking group reaches a pivotal moment and must face a choice of paths on a greater scale than they had previously imagined…   A modern Call of Cthulhu Scenario by Joseph Chance   Cast: Josephine Arundel – Belinda Cornish Chris Caldwell – Dan Wheeler Max Davenant – Danann McAleer Charlie Westenra – Dominic Allen Keeper of Arcane Lore ­– Joseph Chance   CW: This podcast contains mature themes, strong language and cosmic horror. As ever, human discretion is advised.   The Apocalypse Players is an actual play TTRPG podcast focused on horror tabletop roleplaying games. Think Dimension 20 or Critical Role, but fewer dragons, more eldritch horrors, and more British actors taking their roleplaying very seriously (most of the time). We primarily play the Chaosium RPG Call of Cthulhu, but have also been known to dabble with other systems, most of which can be found on our Patreon: www.patreon.com/apocalypseplayers We now have a free Discord server where you can come and worship at the altar of the Apocalypse, play Call of Cthulhu online, and meet like-minded cultists who will be only too eager to welcome you into the fold. New sacrifices - oops - we mean players are always welcome. Join here: discord.com/invite/kRQ62t6SjH For more information and to get in touch, visit www.apocalypseplayers.com   The Apocalypse Players are: Dominic Allen @DomJAllen Joseph Chance @ Danann McAleer @DanannMcAleer Dan Wheeler @DanWheelerUK     Music includes:   Waves from The Past - Anna Dager & Hannah Ekstrom https://www.epidemicsound.com/track/Kw21NkSu4j/   Celestial Spheres - Ave Air https://www.epidemicsound.com/music/tracks/5346c11d-81ac-458e-9d63-f53b8fa91321/   Who We Once Were - Gavin Luke https://www.epidemicsound.com/music/tracks/c9e485f8-2969-4b8e-9c75-829fe9ad9079/   Through The Alleyways - Jon Bjork https://www.epidemicsound.com/music/tracks/64978412-f992-3301-bdc8-8747a039ffd3/   Hiding in The Shadows - Ludvig Moulin https://www.epidemicsound.com/music/tracks/c4f88f81-2c2b-4d98-b64d-f9126470c734/   Tiny Scandals - Creative Cut - Heron Vale https://artlist.io/royalty-free-music/song/tiny-scandals-creative-cut-orchestra/138177   Up To No Good - Alt Version - Score Maestro https://artlist.io/royalty-free-music/song/up-to-no-good-alternative-version/137611   The Ninja Path - Jono Heres https://artlist.io/royalty-free-music/album/blue-desert/10972   Hotel Lalo - Harry Edvino https://www.epidemicsound.com/music/tracks/a6d57ec3-cb02-405d-af2a-14931d1555aa/   Gravity of Fragile - DEX 1200 https://www.epidemicsound.com/music/tracks/6165500f-3d46-4509-b16d-d308229ee352/   Light Footed - Bonnie Grace https://www.epidemicsound.com/music/tracks/48833251-ac55-3e3d-9562-e632dde5b5fd/   Mysterious Antics - Dream Cave https://www.epidemicsound.com/music/tracks/e8a513fe-c597-39eb-a101-bc8898b50444/   Imber - Christoffer Moe Ditlevsen https://www.epidemicsound.com/music/tracks/19d624eb-2516-43ea-8c3a-52e92cdb68c4/   Scandinavian Folk 2 https://www.epidemicsound.com/music/tracks/bede20b4-36e0-3965-9fab-3d220dfc0444/   Landscapes - Helmut Schenker https://www.epidemicsound.com/music/tracks/f6e96196-103b-4260-b2bc-ec423116c6f9/   Sworn by Blood - Dream Cave  https://www.epidemicsound.com/music/tracks/75628ecd-c5f2-387f-b01e-839e8b434bc6/   In Santa Ana - First Timer https://www.epidemicsound.com/music/tracks/8b74f82a-e721-4f93-b358-d214e6c00086/   Do You Really Wanna Be In Love? - Frigga  https://www.epidemicsound.com/music/tracks/b94f0ef1-9a8b-311c-b358-537b560c433b/   Missing Memories - Christopher Moe Ditlevsen https://www.epidemicsound.com/track/M5e5wT9Ci7/   Tavore - Anders Schill Paulsen, Anna Dager & Hannah Ekstrom https://www.epidemicsound.com/track/3jAWMYFdtD/   Crucial Calculations - Gavin Luke https://www.epidemicsound.com/track/wJWNbpM3bh/   Sounded Blue Saga https://www.epidemicsound.com/track/Ua4aSty4ml/   Murmur Forest - Rand Aldo https://www.epidemicsound.com/track/7amZAibTX0/   Where the Flowers Grow - Dez Moran https://www.epidemicsound.com/track/EcUT8PAe8b/   The Adjunct Anders Schill Paulsen, Hanna Ekström, Anna Dager   Celestial Spheres - Ave Air https://www.epidemicsound.com/track/3ed2z62JCV/   Out of the Window - Farrell Wooten https://www.epidemicsound.com/track/uZpb17J0rN/   Redemption - Sunriver https://artlist.io/royalty-free-music/song/redemption/93323   Bitter Bitter - Dylan Thomas https://artlist.io/royalty-free-music/song/dylan-thomas-bitter-bitter/49435   Bound To Fall Apart - Jon Bjork https://www.epidemicsound.com/music/tracks/ecb4e639-62bc-3f2c-b48f-53c23b5b8cf0/   Savage Shadows - Semi https://artlist.io/royalty-free-music/song/savage-shadows/134832   Those Moments - Hampus Naeselius https://www.epidemicsound.com/track/HmZtb2i0sL/   3000 Years Old - Farrell Wooten https://www.epidemicsound.com/music/tracks/7a29bef0-58f0-303b-af94-575197610de9/   Enter The Realm of Shadows - Christopher Moe Ditlevsen  https://www.epidemicsound.com/music/tracks/003fff05-76b0-44f2-bd5e-2d2b98e2b062/   Ebbas Not Right - Peter Crosby https://www.epidemicsound.com/music/tracks/4052c08d-d4c6-4974-b888-6aeaa505c4af/   Vapors - Ethan Sloan https://www.epidemicsound.com/track/yg5J0DyMEz/   Tension Mansion - Kikoru https://www.epidemicsound.com/track/eZkXkCpIjF/   The Prophet - Alec Slayne https://www.epidemicsound.com/track/JK03rRZisV/   Shouldn't Have Met You https://artlist.io/royalty-free-music/song/shouldnt-have-met-you/73261   V1rgo - Ambre Jaune https://www.epidemicsound.com/track/0Pq5JDXcmj/   Hysteria - Anna Dager & Hannah Ekstrom https://www.epidemicsound.com/track/DOLsvJVimx/   The Closing - Hannah Ekstrom https://www.epidemicsound.com/track/yYkl9onNPg/   Incertitude - Hannah Ekstrom https://www.epidemicsound.com/track/YUW9T6jcJA/   Tviviel - Hannah Ekstrom  https://www.epidemicsound.com/track/xdbASDVzOS/   Title: "Impromptu Exorcism" Artist: Tim Kulig (timkulig.com) Licensed under Creative Commons By Attribution 4.0 http://creativecommons.org/licenses/by/4.0/   Grass on the Grave - Sage Oursler https://www.epidemicsound.com/track/rJe82RQka0/   Void - WHENISEEYOUISEEMYSELF https://www.epidemicsound.com/track/fGp8lQImZt/   Grief and Isolation - DEX 1200 https://www.epidemicsound.com/track/c1flrtmhZU/   Invention No. 1 in C Major https://www.epidemicsound.com/music/tracks/1daa8eab-3190-3851-ac38-c41bc5033d84/   Take Five - Ambre Jaune https://www.epidemicsound.com/track/J8E0Z4qTMZ/   A Gathering - Farrell Wooten https://www.epidemicsound.com/track/TCFbG808lJ/   Spheres - Elliptik https://www.epidemicsound.com/track/EMaiTc6RNW/   The Duke of Norfolk - Dylan Thomas https://artlist.io/royalty-free-music/song/dylan-thomas-bitter-bitter/49435   Twivel - Ekstrem and Dager https://www.epidemicsound.com/track/xdbASDVzOS/   Friends Make the Worst Enemies - Experia  https://www.epidemicsound.com/music/tracks/bf0f9833-2f40-3525-b13e-166942b8e020/ Cave Dwellers https://artlist.io/royalty-free-music/song/cave-dwellers/85396   The Lure - Christian Anderson  https://www.epidemicsound.com/track/7WZdqHNOQ7/   Mist Over Lapland https://artlist.io/royalty-free-music/song/mist-over-lapland/99505   Maybe Next Year - Spectales Wallet & Watch https://www.epidemicsound.com/track/IwdmifGfcl/   Seven Sins Later - Farrell Wooten  https://www.epidemicsound.com/track/HFSjWZQDWE/   Stop Snitching  https://www.epidemicsound.com/track/QCMBXV5202/   Jay Varton - Silent Castle https://www.epidemicsound.com/track/uKXncvlspI/   Follow the Falcon - David Celeste https://www.epidemicsound.com/track/Trl1W1XgLF/   Work Undone - Pearce Roswell https://www.epidemicsound.com/music/tracks/4831fd82-d8e0-30c4-9351-5a1719d1163e/   The Search - Hannah Ekstrom  https://www.epidemicsound.com/track/pKp55DWXME/   The Arctic - INSTRUMENTS - Jo Wandrini https://www.epidemicsound.com/track/QH3Sw8lU6S/   The Mire - Anders Schill Paulsen  https://www.epidemicsound.com/track/cDx39w2F3D/   Metaformation - Ethan Sloan https://www.epidemicsound.com/track/8vz9arpHEB/   Shadowdance - Saira Ridley https://www.epidemicsound.com/track/xKz8svrmcZ/   Into The Void - Ella Joy Meir https://artlist.io/royalty-free-music/song/into-the-void/127506   Bad Dreams - Mary Riddle https://www.epidemicsound.com/music/tracks/ed0ee666-a83d-3e3b-9eee-dd5d6ae5abd5/   Société Secrete - Duke Herrington https://www.epidemicsound.com/music/tracks/60be67f8-ed95-449f-b496-7959505d7577/   Over of This Town - Will Harrison https://www.epidemicsound.com/track/qpwpYDpGnv/   Excitement - Traditional https://www.epidemicsound.com/music/tracks/71e77fbc-eda1-3105-9c99-8f8319cf2532/   "SCP-x4x (Mind Leech)" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/ https://incompetech.com/music/royalty-free/music.html   Restlessness Friedrich Burgmuller https://www.epidemicsound.com/music/tracks/68a0fdda-4805-3a03-954a-1bc12176a93f/   Work Undone - Pearce Roswell https://www.epidemicsound.com/music/tracks/4831fd82-d8e0-30c4-9351-5a1719d1163e/

Recorded live on December 30th, 2025   Two people making music on the fly… Bugs In The Basement creates improvised musical journeys from an array of vintage and handmade instruments to modern technologies. Recorded live from our basement studio in the Pacific Northwest, each week we experiment in the process of making exploratory music and soundscapes. Unmixed, unedited and unapologetic.   www.bugsinthebasement.com

Before Swift Clicks ever hit the shelves, the team at Make It Real was staring down the brutal math of the craft aisle: rising costs, shrinking margins, and kids who expect faster, cooler results than ever. So how did her team turn that pressure into a Creative Toy of the Year finalist bracelet maker that Swifties can't stop talking about?In this episode of Making It in the Toy Industry, I sit down with Gena Lavallee, VP of Global Brands at Make It Real, to reveal the story behind Swift Clicks, the Make It Real Heishi Bracelet Maker. From the “clicky pen” inspiration to the clever refill system, hidden funnel, built-in storage, lefty/righty-friendly design, and even how to actually tie a jeweler's knot, you'll hear how Gena's team transformed a slow, fiddly craft into a fast, inclusive, and insanely satisfying play experience.In this episode, you'll learn:How Make It Real reinvented a classic bracelet-making play pattern to prioritize speed, ease, and fashion-forward resultsWhy the team designed Swift Clicks to work for both right-handed and left-handed makersThe “razor and razor blade” strategy behind refills—and how Make It Real solved the refill placement problem at retailThe smart hidden features inside the product—funnel, aligning tool, built-in storage, and more—that most consumers never noticeHow Swiftie culture, influencer content, and viral videos helped turn Swift Clicks into a breakout hitWhat today's craft brands can learn about pricing, margins, and marketing in a tough category

The world's #1 global homeopathy talk show

After a few heartwarming stories about love gone RIGHT, we delve into the tragic case of Tyler Chase. 

CesarRespino.com is exited to bring to you at You Can Overcome Anything! Podcast Show Robert Lee.He is the co-founder of Swift Passport & Visa Services and a seasoned entrepreneur in the international travel space. With a strong background in business and a personal foundation as a yoga teacher, Rob blends mindfulness with strategic leadership. His human-centered approach has helped him navigate complex challenges while driving innovation. Under his leadership, Swift has grown into a tech-forward company known for simplifying global travel logistics and delivering exceptional, personalized service. Rob's unique perspective continues to shape the future of travel solutions, balancing efficiency with empathy.Robert Lee's message to you is:Success isn't just about building something big - it's about building something meaningful. Stay true to your values, lead with intention, and don't be afraid to slow down and breathe, even in business. That's where the clarity and real innovation happenTo Connect with Robert Lee go to:https://www.facebook.com/SwiftPassporthttps://www.linkedin.com/in/eelbor/https://www.instagram.com/swiftpassportservices/https://www.swiftpassportservices.com/To Connect with CesarRespino go to:

For years, gold was the asset nobody wanted to talk about. It sat there quietly while stocks and real estate continued to rip. Gold was for pessimists. For doomsayers and perma-bears.And then suddenly… gold didn't just wake up. It launched. As of mid-December 2025, spot gold is trading around $4,300–$4,400 an ounce, depending on the market, marking a gain of roughly 60% over the past year and pushing decisively into record territory. The obvious question is: why now? The short answer is that gold isn't reacting to one thing. It's responding to a stacking of pressures that have been quietly building for years and are now impossible to ignore.Start with central banks. For the better part of the last decade, central banks were net sellers or indifferent holders of gold. That changed dramatically after 2022. According to the World Gold Council, central banks have been buying gold at more than double the pace of the pre-COVID years, and 2025 continues that trend, with hundreds of tonnes added to reserves year-to-date. These aren't hedge funds chasing momentum. These are monetary authorities making deliberate, strategic decisions about what they trust to hold value. Why would central banks suddenly want more gold? Because geopolitics has re-entered the chat. We now live in a world where reserves can be frozen, payment systems can be weaponized, and “risk-free” assets depend heavily on political alignment. The World Bank has been explicit that rising geopolitical tensions and global uncertainty are key drivers of gold's surge this year. When trust in the global order erodes, gold benefits. At the same time, the U.S. dollar devaluation thesis is no longer fringe thinking. It is reality.Gold is priced in dollars, and when real yields fall and the dollar weakens, gold historically performs well. That dynamic is playing out again. Reuters has repeatedly pointed to a softer dollar and declining Treasury yields as near-term tailwinds for gold's rally . Bank of America's research echoes this relationship, emphasizing gold's inverse correlation to the dollar and the growing desire among nations to diversify away from dollar-centric reserves . In other words, gold isn't just going up because people are scared. It's going up because confidence in fiat discipline is eroding, slowly but persistently. So…Is gold still a buy or did we miss it? The truth is, both answers can be correct. Yes, gold is expensive relative to where it was a year ago. You don't go up 60% without pulling future returns forward. But what makes this cycle different is that many of the buyers driving demand are price-insensitive. Central banks don't care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. That's why major institutions aren't dismissing the move as a blow-off. Goldman Sachs has cited sustained central-bank demand and the potential for further ETF inflows as supportive of higher prices. J.P. Morgan continues to frame gold as a beneficiary of geopolitical instability and monetary uncertainty, and Bank of America is projecting prices as high as $5,000 an ounce into 2026. Of course, nothing goes up in a straight line. A shift toward tighter monetary policy or a sudden easing of global tensions could cool enthusiasm. Understand though, that gold's breakout isn't just about gold. There is a larger message that should be taken away from all of this. Hard money has come back into favor. Gold is the original hard asset. It's scarce, politically neutral, and has thousands of years of monetary credibility. But it's also heavy, difficult to move, and awkward in a digital world. Bitcoin exists on the same philosophical axis. Both gold and Bitcoin are reactions to the same problem: expanding debt, monetary dilution, and declining confidence in centralized control. Gold is the conservative expression of that view. Bitcoin is the aggressive one. Today, Bitcoin trades around $86,000, still volatile, still controversial, still misunderstood. But if gold's surge is signaling a regime shift toward hard assets, then Bitcoin may simply be earlier in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, when institutions start moving into the oldest form of sound money, they eventually begin exploring the newest. That's the signal worth paying attention to. So this week, I interview Dana Samuelson, an old friend of the show and an expert in everything gold and hard money. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Gold isn’t reacting to one thing, it’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. Welcome, everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you. From Montecito, California and today. Uh, before we begin, just a quick reminder. Uh, there is a, uh, website associated with this podcast called wealth formula.com. And, uh, that’s where you go to get deeply more deeply integrated into this community, including our accredited investor club, AKA investor club for you to join. And, uh, once you get onboarded, all you do is you, you have an opportunity to see private deal flow, uh, that, uh, is not available to the general public. If you are an accredited investor, meaning that you have, uh, make $200,000 per year or $300,000 per year, uh, for the last two years with the reasonable expectation of continuing to do so, or you have a million dollars outside of your personal residence, a net worth, then you are an accredited investor and. All you need to do is sign up and join the club. Just go to wealth formula.com and sign up and get onboarded. Now, let’s talk a little bit about something that has been extraordinary this year. It’s gold. You know, for years, gold was the asset that nobody wanted to talk about. I mean, it sat there quietly. Well, stocks and real estate continue to rip. Um. Gold really is really, you know, was for the pessimists. For the doomsayers and the perma bears. I mean, I, I gotta tell you, I kind of am was one of those people, right? And then suddenly gold didn’t just wake up. It, it totally launched, exploded in his mid-December 2025. Spot Gold is trading around, I know, 4300, 4400 an ounce, depending on the market, gaining roughly 60% over the past year. Pushing decisively into record territory. Now the obvious question is why now? Well, the short answer is that gold isn’t reacting to one thing. It’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. And this is an interesting shift because. The thing is that in the old days, and I’m even talking about 15, 20 years ago, uh, you would look at gold as something that didn’t really go up when the stock market was doing well, right? It was kind of a reaction. It was a fear-based thing. It still is sort of a fear-based thing, but now it’s not just fear of, you know, whether the stock market’s gonna crash. It’s fear of geopolitical concerns. That’s where the central banks come in, right? So for the better part of the last decade, central banks were net sellers. Or really indifferent of holders of, of gold, and that changed dramatically after 2022. So according to World Gold Council, central banks have been buying gold at more than double the pace of the pre COVID years. And 2025 continued that trend with hundreds of tons, uh, added to reserves year to date Now. These are central banks. They’re not hedge funds chasing momentum, right? They’re monetary authorities and they’re making deliberate strategic decisions about what they trust to hold value. And why would central banks suddenly want more gold? Well, because again, geopolitics has reentered that chat. We live in a world now where reserves can be frozen, right? Payment systems can be weaponized. Risk-free assets depend heavily on political alignment. Now of course, I’m talking about the United States when I’m mentioning all those things, right? Uh, how we can kind of just freeze assets of Russia and that kind of thing. I’m not, uh, pro-Russia, I’m just pointing out the fact that. Countries don’t like it when you freeze their assets. Right? The World Bank, uh, has been explicit that rising geopolitical tensions and global uncertainty are the key drivers of gold surges this year. And when trust in the global Ory roads, of course that is now when gold benefits and at the same time, the US dollar devaluation thesis is no longer just kind of fringe thinking. It’s reality. No one, no one even bothers to pretend that that’s not happening. So gold is, uh, of course, priced in dollars and when real yields fall, uh, and the dollar weakens gold historically performs well so that that dynamic is playing out again as well. In fact, Reuters has repeatedly pointed to a softer dollar and declining treasury yields as near term tailwinds for Gold’s Rally Bank of America. Uh, their research shows, uh, this relationship emphasizing gold’s inverse correlation to the dollar and the growing desire among nations to diversify away from the dollar centric reserves. In other words, gold isn’t just going up because people are scared. It’s going up because confidence in the fiat discipline is eroding altogether slowly. Persistently. So the question is, is gold still a buyer? Did we miss it? I mean, I just mentioned that it just went up by like 60%, right? So that’s a tricky question. It really is. I could certainly see some volatility there. But here’s the thing. I mentioned that central banks were big buyer, right? Central banks don’t care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. So they’re a price insensitive buyer. Um, and that’s why major, major institutions aren’t dismissing the move, as you know, just a big blow off. Uh, Goldman Sachs cited sustain central bank demand, and the potential for further ETF inflows is supportive of higher prices. Banks, uh, like JP Morgan and um, and, and Bank of America. I mean, they’re continuously talking about how gold is a beneficiary of this geopolitical instability. Bank of America is projecting prices high as $5,000 a ounce in 2026. So that’s still a big move, right? Of course, nothing goes up in a straight line. So shift toward tighter monetary policy or sudden easing of global tensions. Well, I, I could, they could cool enthusiasm, right? The less fear in the world. Well, that isn’t. That’s not good for gold. I understand though that gold’s breakout isn’t just about gold. There’s a larger message that should be taken away from all of this, and that is that hard money, real assets have come back into favoring, and gold is the original hard asset. It’s scarce, it’s politically neutral, tens of thousands of years of monetary credibility, but it’s also heavy, difficult to move and awkward in a digital world. Now, of course you know where I’m going with that. I don’t wanna make every gold conversation conversation about Bitcoin, but just as a reminder, Bitcoin exists on that same philosophical access, right? Both gold and Bitcoin are reactions to the same problem. Expanding debt, monetary dilution, declining confidence and centralized control. Gold is the conservative, you know, version of that, the expression of that Bitcoin is the crazy youngster, the aggressive one. They’re, they’re following the same rails. And today Bitcoin trades around $86,000. It’s still volatile, still controversial, still misunderstood, and really, listen, the market cap is 2 trillion bucks. Um, you know, no asset that has ever reached $2 trillion. Market cap has ever gotten to zero. But on the other hand, there’s it, it’s pretty small, and you could still move those markets really quickly, and that’s why you’ve got volatility. But if gold surge is signaling a, a, a shift towards hard assets, it’s really hard to not see that. Uh, Bitcoin may simply be, uh, you know, early in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, uh, when institutions start moving into that, you know, oldest form of sound money, they eventually begin exploring the newest. And that’s, that’s a signal. Worth paying attention to. Anyway, this week what we’re gonna really focus on though is gold and hard money. We’ll talk a little bit about Bitcoin as well. My guest is Dana Samuelson, who is. An old friend of the show, and we will have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbo charge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast ad Samuelson. He is been on the show before. He’s friend of the show. He is a professional. How do we see this numismatist since, uh, 1980. Working with some of the most influential, precious metals trading companies in the country. Before founding his own American Gold Exchange Incorporated in 1998. Uh, for nearly a decade, he was a personal protege of James U. Blanchard ii, one of the true giants of the industry, and the individual most responsible for re legalizing the private ownership of gold in the us. American Gold Exchange Inc. Is a national mail order, precious metals and rare coin dealership that makes competitive buy and sell markets in mainstream, modern, gold, silver, platinum, palladium, bullion coins and bars and classic pre 1933 US Gold and silver coins and World War ii European Gold coins. I don’t know if I left anything out, but welcome Dana. How are you doing? I’m doing great, buck. Thanks for having me back. I really appreciate it. Well, it was funny, we had a little conversation, uh, just before we started and I said, well, gosh, you know, uh, we’ve had you on the show before, maybe once, maybe twice. And, you know, and, and you, um, I think Apley described the gold market as watching paint dry. And I, I think that’s, I think that’s pretty adequate. Um, I mean, for, I mean, the last decade or so before this all happened. So, so let’s start talking about it. So, gold gold’s moved into price territory that, you know, very few people would’ve predicted even a couple years ago. So what, from your perspective, having lived lived through multiple gold cycles, what feels fundamentally different about this move? Uh, this market is a globally driven market and it’s focused on physical. There’s been a move into gold this year, and silver now platinum two. To a degree palladium, uh, in a physical level that we haven’t seen since the late seventies when we had the last really, you know, red hot market driven by fears over debt inflation. Geopolitics. Uh, you’ve got the bricks, nations that are trying to divorce themselves of the dollar, but they really can’t do it easily because there’s not a good viable alternative except for gold. And that’s been one of the leading drivers of this gold price surge that has really, you know, almost doubled in price since, uh, two years ago. A lot of it is, you know, underpinned by Central Bank Gold buying, you know, between 1950 and 2010, after the dollar became the world’s reserve currency backed by gold. And even after we un pegged the dollar to gold in the 1970s, 1971, central bankers had had gold on their, physically in their vaults from pre-World War ii when gold was money, uh, they shed that. From the 1950 all the way to 2010, they became net buyers after the great financial crisis due to the global debt explosion and primarily quantitative easing printing money outta thin air. But they were buy, they were modest buyers, you know, 500 tons a year until Russia invaded the Ukraine in 2022. And we sanctioned Russia and weaponized the dollar. The last four years, they bought, you know, almost a thousand tons of gold year or double. That really became material last year in price as the cumulative effects of their continually buying about a fifth of what the mines make every year started to really impact supplies and price movement. And now we’ve got President Trump this year, you know, throwing a monkey wrench into the World Trade order with his tariffs. And I think that that’s created a lot of uncertainty, some fear. And of course the debt just continues to go higher and higher. And now interest payments on our debt are over a trillion dollars for the first time ever. So debt servicing is starting to become problematic. The cumulative effects of all this have caused the, the people around the world, including central governments to buy gold at record rates. Um, but it’s not the phenomenon that’s happening in the United States. ’cause we don’t have a gold culture in our country, like almost every other country does. It’s interesting. Um, so what, you know, you’ve been talking about really is central banks around the world have it really been accumulating gold at levels we haven’t really seen in modern times. Right. And, and, uh, why do you think the US Central Bank. It doesn’t do the same because is it an admission of the debasement of the dollar? Because really the gold, gold is the anti dollar. I’ve always viewed it as the anti dollar maybe. Maybe that’s not the, you know, you may not agree with that a hundred percent, but I’ve always viewed it that way, and so why wouldn’t the US hedge and accumulate more? Well, we’re the world’s reserve currency. That Right. That’s, that’s created a paper culture in our, in our world. It’s now three generations old, right? Since 1945, when the dollar became the world’s reserve currency and we, the world went to a paper money standard instead of a gold money standard, which was the world’s standard from ancient times all the way till the 1930s. You know, the, our monetary system when the country was founded in 1793 was based on gold and silver coins. A copper penny was the size of a half dollar because that’s what one penny’s worth of copper was worth in 1793. Right. Um, you know, after World War ii, we had a couple things that the rest of the world didn’t have. We had a manufacturing, uh, industries that were, uh, unaffected by the, physically by the war. And we had, you know, the ability for markets to work properly, which should allow the dollar to become the world’s reserve currency. Backed by, you know, 8,200 some odd tons of gold, the biggest pile of gold that any country had. Actually, at that time it was more like 20,000 tons of gold. Uh, but by the time we got to the seventies and we un pegged from gold, we were down to about 8,000 tons. That’s still more than anybody else is supposed to have. I do think China could have more gold than that. Now they’re just not telling us they do. You know, officially they’ve got about 2,400 tons of gold, uh, and the second and third are, you know, 3000 tons of gold. So we, we still have a lot of gold. And there’s talk about auditing Fort Knox and monetizing it, but it only gets us about a trillion dollars. It’s not enough to really, you affect the 38 trillion, maybe pay the debt off for a year, or, you know, for six months. Six months, yeah. Something like that. Our, our debt is starting to matter too. You know, it’s doubled twice in the last 20 years. It gonna double again in the next 10 to 70 trillion, 78 trillion. People hear about the, the whole, uh, the bricks phenomena, right? And part of, part of what you were just discussing in the, uh, accumulation of gold. Explain that, explain what’s going on over there for people who aren’t paying attention, and you know how that is, how that is playing into all of this. Well, when we sanctioned Russia after they invaded the Ukraine. And seized their assets and threw them off of the Swift International Bank Transfer Payment System. We forced countries that were concerned that if they ran politically afoul of us, we could do the same to them. They forced them into thinking, oh, how do we get some independence from that vulnerability? Potential vulnerability? It’s not easy to replace the dollar. What they’ve, what they’ve been doing is replacing the Swift Bank transfer payment system with a payment transfer system of their own right so they can move money amongst themselves outside of the SWIFT system, number one. And since there isn’t a good viable alternative to the dollar, really the only other asset that makes sense is gold. Gold is a neutral asset. It’s not like you need it for oil or grain or steel. Nobody really needs gold, right? But it’s universally trusted. It’s immediately liquid, and it’s got a couple other things going for it that are unique. Number one, it has no counterparty risk. It’s one of the only assets. It isn’t simultaneously someone else’s liability. And number two, uh, gold in a vault can’t be seized or sanctioned. Right, so they’ve been going to gold, like they’ve been going to gold for, for centuries. It’s just, it hasn’t been that way since after World War ii. It’s a, it’s kinda like a back to the past kind of a situation. It’s sort of back to the future. It’s back to the past. That’s the allure for gold and the reason why they’re accumulating. In fact, they just launched their own currency unit called the unit. 40% backed by gold. The bricks nations have now it’s in its infancy and it’ll take a while for it to really, you know, work. But they’ve been building the components and the infrastructure to get to this point, creating the transfer of payment systems and all the components to go along with that so that they could announce something that they could use as a, as a settlement vehicle for trade, which is really what this is all about. And they’re backing at 40% by gold. Which is material and it’ll become bigger as time passes. Let’s, let’s try talk a little bit about that price movement. Huge. Um, is 60% in the last couple years, is that about right? This year alone, gold’s up 67% on a 12 month rolling basis, 67%. I mean, those are like bitcoin num, you know, type movements in the past. Right. They’re kind of crazy. So a lot of people are looking at those prices today and they’re thinking, well, I’m late to the party. Uh, are they late to the party? How do you, uh, what, what do you think’s going on there? I think the party’s about halfway through. We haven’t got to the late innings yet. I, I really do think this, and this is why this is the fourth major bull run in gold we’ve seen since we went off the gold standard in 1971. We had a a 20 to one run for gold in the seventies that was built on two oil shocks. 18% inflation and a crisis of confidence in the US then for the next 30 years. You know, 25 years a good part of my career. You know, watching gold was like watching paint dry. It traded routinely between three and $500 an ounce until we got into war, uh, following the nine 11 attacks, Iraq and I, Afghanistan, and we went into deficit spending. Then we had a second financial crisis when the great financial crisis hit another bull bull market in gold. Then we had COVID economic closures, another bull market in gold. Now we’ve got a fourth, but it’s lacking what the first three had, which was fear in the US over either economics or geopolitical events. So this gold price has essentially doubled since March or April of 2024. With no fear and a lot of complacency in the US markets. So my, my thinking is what happens if the economy slows down and, you know, the Fed’s gonna lower rates anyway. We know that’s coming with a new Fed chairman in the next five months, six months, number one, that’s good for gold. What happens if we go into a real economic slowdown and the Fed really has to drop rates, or God forbid, go to QE again, right? Or inflation rears its ugly head because the fed’s too accommodative in it. Situation where, you know, supplies are kind of tight still because of the monkey wrench, president Trump has thrown into the World Trade Order. You know, if we get fear in the US that’s when gold could go from 4,000 to, you know, 8,000. And I’m not saying that’s gonna happen, but I do think the trends have driven gold higher are not gonna change anytime soon. One of the things that you’re mentioning is those trends and like even. You know, in the last 15 years ago when I’ve been sort of involved in the investor world, the, the things that we talk about with trends with with gold have changed. I mean, usually you don’t see AI stocks going up with gold, right? Like, I mean, not that AI was around, but the point is tech stocks, that kind of thing. How is that thesis fundamentally changed? Um, I’m not quite sure I understand your question. Well, what I mean is like if gold was, gold used to be, I think it’s, you know, something again that people would buy when they were afraid of, of what’s going on in the equity markets. Right. Uh, that’s clearly not the case now. No, no, not at all. Right. Talk about that change. When did that change happen? How did it happen? This is a globally driven market. It’s not a US-centric market. This is fear around the world. You know, central banks started to underpin this market in 2022 when they stepped up their buying and doubled it. But this year, because of the uncertainty, uh, and some of the fear that President Trump’s tariffs and the way they’ve been deployed, kind of knee jerky, um, and inconsistently. Certainly not diplomatically, right? You know, it’s caused a lot of concern around the world. And for example, in April when President Trump announced the reciprocal tariffs on April 2nd, what happened? The bond market went into the complete dislocation, yields spiked from 4% to 4.5% in a week. The bond values tumble because investors started pulling money out of the, and taking it back home. Money that’d come in from Europe and Asia started to go back. So what did President Trump do? He pulled back the reciprocal tariffs on every country, but China and China said, well, we’re not gonna drop tariffs on you. And he said, well, we’ll ramp ’em up on you. So we went toe to toe with him. Until a week later, we were at 145% tariffs on China, and they were 125% on us. Well, if you’re a Chinese investor and you have real estate or stocks to invest in, and both of which have done badly since COVID or gold, what are you gonna do when your best customer suddenly says, Hey, we really don’t want your products, because that’s what 145% tariffs say to the Chinese. We don’t want your products. You can’t sell ’em here. You gotta go sell ’em somewhere else, but we’re their best customer. So they bought gold. They bought gold handover fist, and they drove the gold price up $500 by themselves during that month. That’s what I mean by fear outside of the us. Yeah. We don’t get it inside. Well, and and that’s fear outside of the markets too, right? I think that’s, that’s the fundamental shift I was trying to get at is true. It used to be that gold was, uh, gold would react on fear of the markets, but now there’s another level of fear, which is geopolitical. And it doesn’t seem like there’s any time soon that that’s gonna end. No, no. I, I, I’ve called it like a run on the bank only. It’s not a run on the bank of like George Bailey’s run on the bank and it’s a wonderful life. This is a run on the gold market, the physical gold and silver and platinum markets. That’s really what this is, and it’s a global rush to buy. And it’s not just central banks, it’s the public as well. Due to uncertainty, part of it’s fear of missing out now that we’ve had a big run in prices too. That’s FOMO in there too. That’s what I’m trying to, that’s part of what I was wondering too though, is like, you know, again, there’s people out there now who, um, are, are looking at this and they might even be listening to us going, gosh, yeah, it really makes sense and I happen to have no gold. What do I do? You know, what do I do now? Do I buy now? And, and I’ll, you know, and, and the next thing you know. I find out this was a frothy market and, and I’m down 20% for the next three years. I mean, that kind of thing. So I, I think it’s a, it is a tricky time, but, so that sort of, I guess, brings up when you think of gold, um, in a portfolio. I mean, you say, you’ve said in the past, it’s not about getting rich. Well, some people really did get rich this time. Uh, you said it’s about preserving wealth, right? So how should investors think about Gold’s role alongside stocks, real estate, and other assets right now? Well, even I think JP Morgan Chase has said this year, you know, instead of a 60 40 portfolio, you should have a 60 20 20 portfolio with 20% bonds and 20% precious metals. Gold in particular, because of what’s been happening. And now we don’t have a gold culture in our country, like most every other country does. So most Americans don’t get it. And that’s part of. We’ve ingrained because the dollar is the world’s reserve currency and it insulates us from currency shocks in commodity pricing primarily. Uh, without that insulation, you know, they might think things a little bit differently, but you know, any good financial planner will say you should have a little bit of precious metals as part of your portfolio, uh, as a hedge against financial uncertainty. And it certainly worked perfectly well during the great financial crisis. And when COVID hit because. Gold tends to counter cyclically, perform in price against stocks and bonds, and it’s always liquid. Now, you’re a real estate investor, you understand real estate. What couldn’t you get in 2009 alone? Right? Bankers wouldn’t give anybody money, right? But if you had gold, you could get liquidity, right? And gold, you know, almost doubled between 2008 and 2011 at the same time when most assets were dropping 50%. That’s an insurance policy for the rest of your money. That’s why I said, look, it’s a way to preserve wealth and have a hedge against financial uncertainty. But in the market that we’re in now, you know, having more than just the, the minimum, which is five to 10% of assets as a, you know, potentially an investment instead of just an insurance policy. That makes sense. But you’re right, you could buy and you could, you know, tie up money that won’t produce anything for a couple years, maybe longer. You also have an insurance policy in case the wheels do come off like they did during the great financial crisis or during COVID. Yeah. Yeah. I was listening to, uh, another podcast. I listened to the, these, uh, guys, the All In podcast, and, uh, Tucker Carlson was on there, and apparently he’s a, you know, huge, uh, physical gold guy. And, and he said, and I, I think he was serious. He said he buries it in his backyard and then he spreads a bunch of, um. Uh, a bunch of, you know, silver beads, uh, out there too, like, just in case no one can like, use a medical metal detector and find it is gold. Uh, let’s talk about that nuance of, of physical gold versus, you know, buying ETFs and all that stuff. What’s your take? I mean, what, what do you tell people when they say, well, gosh, you know, uh, it might be hard for me to store that gold and, and why shouldn’t I just get an ETF and, and talk a little bit about that? Well, I trade ETFs in my IRA account. When I think the, when I think I can harness price movement, that’s what I use ETFs for. You know, they’re a paper representation of gold, uh, that you can trade at the click of a button, physical gold. Is valuable. It’s, you have to find a place to store it. It’s pretty inert, so you can, you can bury it in your backyard, keep the elements out of it, but then there’s some risk there because it could be found, it could be stolen, so you do have to store it somewhere. You can put it in a bank safe deposit box, but I don’t really recommend that because what happens if there’s a banking holiday and you can’t get to it? So having a home safe or maybe, you know, maybe bearing it in the backyard. Is an option if that’s what you wanna do. Or there are independent professionally run storage facilities. There’s a few of ’em around the country that are run by precious metals dealers that are, you know, big entities. Uh uh. So I think they’re trustworthy and they certainly have the ability to service and aren’t properly insured. So that if something happens, you know your value is protected. And that’s primarily what you pay for as a storage fee is a percentage of value. Not so much number ounces that you have there, but the value percentage, because it is an insurance, uh, related value, right? The value goes up, they’ve gotta get more insurance so they get a higher storage fee for that same amount of metal if the value increases, which is unlike other assets. So I do have a couple of those I recommend that are run by professional. Companies that have been in business for years that we know would trust and have performed perfectly. If you wanna store, um, physical metal now gold is compact. You know, a hundred ounces is smaller than a paperback novel and it’s $450,000 worth of value today. You could, I could literally have one bar in each one of my coat pockets and be walking around with almost a million bucks in my pockets, and no one would know. Silver. You know, silver creates a bigger problem because it takes 70 ounces of silver to equal an ounce of gold. So there’s a lot more volume involved and a lot more weight, which is why sometimes these facilities make more sense if you wanna store something that’s more bulky like silver. But if you’re gonna store gold somewhere, that’s not easy to find. You wanna make sure somebody you trust behind you knows where it’s just in case something happens to you. Right? Yeah. Um. What, um, how difficult is it, uh, Dana, for someone to, I guess, say they wanna sell, say maybe they need to sell one of those bricks in your pocket there? Uh, and, and, um, is that a, um, a process that, I mean, it’s, you know, it’s not as easy as clicking a button at that point, right? But to make sure that you get the best possible price for your gold and all that, I mean, you’re not gonna go to a pawn shop and. Oh, that, so like, I, I’m just curious on the mechanics of that. ’cause I’ve, you know, I’ve, I’ve never sold, you know, physical gold for anything. So, so our, our company’s a physical dealer. We’re a hybrid between Amazon and a financial institution. And that, uh, we sell something online or over the telephone. The price is always changing on a minute by minute basis, but it’s like you’re buying shoes. It’s just, you know, you don’t quite know what the price is gonna be. So we physically, you know, figure out which product you should purchase, what’s best for you, and then we ship it to you if you want to sell it, it’s just the reverse of the transaction. You have to present it for delivery, which means you have to ship it back to, uh, your dealer, or, you know, physically deliver to them, and you get paid immediately upon delivery. So, um, you know, we, we do business like a financial institution. You can call us up, place a transaction over the phone. Uh, if it’s a smaller transaction, we’ll do that without deposit funds. If it’s a bigger transaction, we don’t know, you will want funds first, but once we lock in, that’s the price. Just like when you buy stock and then you pay the balance or, or we ship you the merchandise, whichever comes first. Um. You get it, inspect it, make sure you, you got what you’re supposed to get. In fact, it, you know, in the last two years with this gold price just climbing higher and higher, we’ve got a lot of clients that are complacent. They like the stock market that’s been hitting record highs, uh, and they’ve been shedding gold. We’ve actually bought more gold as an industry, not just our company, but as an industry in the last year than we’ve bought in a single year in 20 years. So it’s very easy to reverse the transaction. But what I would tell you. For your listeners is, and this is important, you should buy sovereign minted products, gold ounces, silver ounces, one ounce gold coins. They’re really just round bars made by the US Mint, the Royal Canadian Mint, the British Royal Mint. The Austrian Mint instead of refinery made. One ounce bars or 10 ounce bars or kilo bars of gold because we have a modest but growing problem with Chinese counterfeits. The Chinese can take tungsten and plate it with gold and pass it off as reel, and they can do that much better with refinery made bars that have plain design pictures stamped onto them. They can replicate those very well, but they cannot replicate the intricate pictures. The US Mint or the Canadian Mint, or the Austrian mint, British royal mint stamp onto that one ounce gold coin. We call it a coin. It’s just a round bar made by a mint that struck with dyes like a coin. And all of the mints around the world have introduced minute anti-counterfeiting design elements into the picture that they stamp on their coins to deter Chinese counterfeits. And it’s working. So the most important thing is, you know, do business with a reputable dealer that’s been around a long time, that has a good reputation, not a, not some new entity, right? You wanna find a, a trusted member of the community and develop a relationship that makes buying again or selling very easy. Once you have a relationship with a dealer, and we know the product you’ve purchased, we’ll take it back very easily. Uh, silver is, you know, people talk a lot about it in the context of, you know, the lump it with gold but has very different characteristics. Um, how do you think about silver today? I love silver today. Uh, it’s, it’s a metal at times as hard to love because every time it makes a big gain, it can give it up pretty easily. It’s more volatile than gold, but gold’s about 90% monetary metal in 10%. Commodity metal silver’s about 50 50, but what silver has going for it is, uh, a couple of unique characteristics that virtually no other metal comes, uh, as close to, which is conductivity of heat and electricity. Silver is amazing in that it’s the best at conducting both heat and electricity. I’ve got a one ounce silver coin on my desk here, and if you take this coin and hold it between your fingers and take an ice cube. You can literally cut that ice cube in half in about 6, 7, 8 seconds with a pure silver coin because the heat from your fingers gets transmitted to the coin and goes right through the ice cube. That’s just a simple example of how conductive silver is for temperature, and we have a structural supply deficit in the silver market that we’ve had for about five years now, where the industry. Is consuming more silver than comes out of the ground on an annual basis. So we’re eating into the above ground supply. Uh, so fundamentally that’s the supply and demand equation favor silver. Uh, plus because gold is moved up so much in price, silver is getting a rotation into it because it’s underperformed relative to gold until just recently where it’s played catch pretty sharply in just the last three or four months. If you measure. How many ounces of gold, uh, how many ounces of silver it takes to equal an ounce of gold, the gold to silver ratio back in April. That was a hundred to one, you know, which was an extreme. Today that ratio is a, is a little under 70 to one. It’s 67, 68 to one. So silver has played up in ketchup in price. Where is that historically? Uh, well. Normally it’s between about 40 to one and 80 to one with about 60 to one as the, as the pivot point where it’s in, they’re in equilibrium. But in the last four or five years with gold leading and silver lagging, we’ve routinely been in the 85 to 90 to one range. Uh, and we actually hit a hundred to one in April of this year, uh, which was the highest it’s been, um, except for when we had a kind of a knee jerk in the medals during COVID, which was an anomaly. Uh, didn’t last. So, but anyway. Silver is playing ketchup because it’s been undervalued relative to gold. Um, and we’ve seen, you know, people that wanna be in the metals, but think gold’s a little expensive. They’ve rotated out of gold, and we’ve seen some of that money move into silver and also into platinum. Now, platinum was under a thousand dollars this time of year ago, and it’s almost $1,900 announced today. So it’s almost platinum’s up, uh, almost a hundred percent now. This year where silver’s up 120% this year and a lot of this demand is driven globally. We’ve seen huge demand in silver in India this year because gold is so, has become so expensive, and that’s what I mean by a global run on the, on the bank. It’s not just China, Japan, it’s India too, and Europe as well. Physical buying and et f buying ETFs are available around the world in precious metals now that really haven’t been very impactful until this year. Um, but that’s what the world’s doing, you know? No discussion these days on gold is complete without at least mentioning Bitcoin. Uh, you know, and, and it’s, it’s interesting because, um, you know, even within the, uh, uh, gold world, I mean, there’s, there’s some prominent people who are really bought in to Bitcoin. Like I, Lawrence Lepert has been on the show multiple times now, and Larry’s all in. Um, just curious as a, you know, as a gold person, what do you see where, what do you see the role or do you not believe in this thing? Do you believe it is a, a parallel? Um, I, there’s so many things that you say about gold. That I’m like, yeah, you can say that about Bitcoin too and carry, you know, millions of dollars in your pocket. You can, you know, it’s, uh, there’s a very little amount of it. Um, obviously it’s new, right? Gold has been around for, since the beginning of time and, and now we’ve got 2009 for Bitcoin. What is your view? How are you seeing it? May, how are your colleagues seeing it in the gold space? Well, a couple different points to make here. Um, you know, when, when Bitcoin came out in 20 10, 20 11, you know, one of my friends in the, in the precious metals business told me I should buy it when it was 20 bucks and I didn’t get it. So I didn’t do it, and that was a big mistake on my part. But Bitcoin has one advantage that no other currency or gold has, which you can move serious money over borders easily. You’re right, you can carry it around in your pocket, in your wallet and, um, you know, you carry a lot of value around and transfer it at the, you know, click of a button. And no co counterparty risk, just like you said with gold, right? Yeah. Well, there’s some modest counterparty risk with, with bitcoin that you, you have counterparty risk with gold and theft as well. Um. Bitcoin is volatile. It’s, you know, it’s, it’s very volatile. It’s still the speculative investment. I mean, it was 124,000, you know, four months ago, and now it’s about 85,000, 90,000. So there’s volatility there that gold doesn’t have. But more importantly, what I’ve seen in my career is a generational divide. The older, older people, you know, 45 and older, like gold and silver. Younger people that grew up with phones in their hands like Bitcoin. The volatility in Bitcoin that we’ve seen in these two big selloff cycles in Bitcoin have not the first one, but the second one have helped to bring some of those younger people into the stability of gold, especially in the year when gold is doing pretty well. ’cause it then it kind of has a little bit of that Bitcoin allure, which is, you know, get rich quick. But, um. Bitcoin’s volatile, but it’s here to stay and it is now the most respected cryptocurrency. Like I almost bought Ethereum, you know, 10 years ago when one of my friends was explaining both to me and said that Ethereum basically had better fundamentals. But you know, it’s kind of inventing, it’s kinda like investing in a. What, uh, beta, beta max instead of VHS back in the day. Some of the older people remember that. You bet on the wrong horse, you know? Yeah, exactly. Well, you’ve, uh, you know, you built this, uh, firm on transparency, integrity, uh, in an industry that doesn’t always have the best reputation. Right? So for investors who decide that precious metals belong in their portfolio. Uh, how can they get a hold of you? Well, our website is, uh, A-M-E-R-G-O-L d.com. Uh, we don’t have, you know, 10,000 items on our website. We have a, we have a small listing of what available products are because we stick with mainstream items, products that are primarily easy to sell, uh, competitively priced, widely traded, and easily understood. Um, uh. Uh, email address is info I nfo@amggold.com. Uh, we have a toll, toll free number 806 1 3 9 3 2 3. Uh, we’re consultative in nature. We’ll, we’ll answer any questions. Happily, gladly, uh, no transactions too small or too large. What we really wanna do, uh, is help people because if we do that, we help ourselves. And when you treat people right, it, it comes back. And our industry does have a chair of bad actors. And, um, you, you wanna make sure that you do business with someone reputable that’s been in the industry a long time. And I understand some people may wanna do this locally where they can actually walk into a place of business. Do this instead of over the phone. So look for dealers that have, you know, longstanding, uh, businesses and good reputations. If you see a reputation that, uh, has some complaints, you know, there are other choices for you. But, um, we just try and help people buck. That’s really what we try and do. We certainly have the reputation for it. Dana. So thank you so much for being on Wellfor podcast. Well, thanks for having me. It’s great to see you again, and I wish you a great success in 2026 and a happy holiday season. You too. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to Show England. Hope you enjoyed it and, uh, I will. Uh, I should admit though, that if you go back and you listen on my, uh, past shows, this is one that I was wrong on. I, I’ve never been a gold bug. My biggest issue with gold. Um, has always been, you know, from an investment thesis that it doesn’t really do anything, doesn’t yield anything, and what’s the point of owning it rather than owning, uh, real estate. And actually, if you just look at what I said, it’s, it’s still, it’s still, it’s still kind of true, right? I mean, you can argue, well, yeah, the real estate markets really did, uh, did struggle over the last couple years. But listen, at the end of the day. The real estate market struggled because of leverage, right? Gold. There’s no leverage, no one’s borrowing, buying gold on leverage, and so it can go up and down and it doesn’t really hurt anybody. If you take the last couple decades and you know how much people made from, uh, real estate versus Bitcoin, even though there’s this huge, uh, huge uptick in Bitcoin now it’s, it’s probably the case that they come out pretty close. If not, uh, you know, real estate still being the winner. But anyway, uh, I do want to say and admit that I was wrong. That, uh, that the gold wasn’t really worth, uh, owning. I think, uh, you know, I wish I had owned some, just like a lot of people wish they’d own Bitcoin at $6,000, right? Um, in fact, I will say that one of the things in hindsight that I think of is gold in many ways for the last several years was on sale. And I haven’t really been talking about this as much, but I’ve been reflecting on this a great deal about making sure that as an investor you wake yourself up once in a while and ask, okay, well, what’s on sale? Well, gold was on sale for a while. Silver was definitely on sale. Right? Um, doesn’t mean you have to go in, have, you know, 50% of your portfolio in something like that, but when something’s on sale, it’s not a bad idea to look around. And maybe get, you know, get a little bit of exposure. I do think that real estate is there right now. I think real estate, you know, if you’re in the credit investor group, you’re seeing on a routine basis 30%, uh, discounted offerings from just a couple years ago. And I do think that’s on sale right now. But there are other things as well, arguably. I mean, I, I actually think that Bitcoin is, uh, uh, sort of on sale right now. I mean, sitting at 86,000, anybody who thinks it’s not gonna go to a hundred thousand at some point in the next, you know, 12 months is, I mean, I think it’s highly unlikely that it doesn’t go to a hundred thousand, right? So think about that right now. That’s like a 14% gain right then and there. Anyway, sometimes it’s good to just look around and see what’s on sale. Uh, that’s my message for this week. Uh, this is Buck Joffrey with Wealth Formula Podcast signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.