Podcasts about Terrific

In the third hour, Leila Rahimi and Mark Grote discussed a variety of sports topics in the 5 On It segment. After that, Chicago Sports Network color analyst Steve Stone discussed the White Sox's terrific clubhouse culture amid their breakout season. Later, Rahimi and Grote wondered if Bears offensive tackle Ozzy Trapilo will be placed on injured reserve to open the season.

Paulie & Tony Fusco tell you why ESPN loser Pat McAfee CLEARLY STOLE THEIR IDEA to make an album of songs. They play you songs from the album to show you HOW MUCH BETTER THEY ARE. Plus, why the Dallas Cowboys actually made a great move, and Shedeur Sanders said something that only fools don't understand. Rate and review the pod 5-stars on Apple Podcasts bro Shop merch store HERE bro and get TERRIFIC products.See omnystudio.com/listener for privacy information.

Ryan and Joe review House of the Dragon S3.*Apologies for Joe's subpar audio. There was a technical glitch while recording. This was the best he could manage to fix it in the edit. 00:00 Intro05:55 Real Problems With S308:47 Undermining Deaths11:42 Too Many Characters18:01 Poor Halaena24:24 Aemmond25:57 Lord Ormund31:51 The Knights35:28 Aegon40:24 Alicent41:50 Action50:48 Dialogue52:46 Rhaenyra01:02:50 Compared to Game of Thrones01:06:54 Stray Thoughts01:11:21 Wrap-upWEBSITE: thoughtplane.caRecorded by Joseph Morin and Ryan WalkerEdited by Joseph MorinClose Up cover art by Justin Church#asongoficeandfire #houseofthedragon #gameofthrones #hbomax #closeup #tvreview

And we're back... Bobblehead and hat talk. Iggy regales us with a tale of his day yesterday with UPS. Terrific stuff. Al in Dadeville calls in. Bottom Drippy calls in. Then Ballwin Beer Bitch. Gobble Bowl logistics. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

0:00 Intro1:25 News and UpdatesMR. TERRIFIC' series is in the works. Allan Heinberg (‘The Sandman') is writing the pilotXBOX is laying off 3,200 employees, 20% of its workforce. They are also spinning off or selling Arkane Lyon, Compulsion Games, Double Fine, Ninja Theory & Undead Labs.Yahya Abdul-Mateen II Emmy® nomination for Outstanding Lead Actor in a Comedy Series in Marvel Television's #WonderMan.20:09 ComicsQuick Shots: Civil War Unmasked, Supergirl Survives #1, Aquaman #19, Did you Hear About Mimi Greene #2 31:25 TV/Movies: X-Men 97 Season 2 ep. 4

Pat and Adam review Town's opening 3-0 day win 10-men against AFC Wimbledon.Subscribe wherever you get your podcasts to ensure you don't miss the latest episode.Follow us on socials @stillsmilingpod***Please take the time to rate the podcast, review it wherever you get your podcasts, and share it with your friends and family if you enjoyed it. It means a lot to us and will make it easier for other potential listeners to find us. UTT!*** Alongside our weekly coverage, we sit down with former Huddersfield Town players, managers, and club personalities to hear untold stories, memorable moments, dressing-room insights, and reflections on their time wearing the blue and white stripes. Whether it's club legends, fan favourites, or key figures from Town's past, our interviews celebrate the rich history and identity of Huddersfield Town.#HTAFC #HuddersfieldTown #Terriers #LeagueOne Hosted on Acast. See acast.com/privacy for more information.

A veteran Mech fighter steps into what should be another routine match, only to discover that someone has turned the arena into a death trap with thousands cheering for the bloodshed. If he survives long enough to expose the deception, he'll have to do it against the deadliest machine he has ever faced. The Mech Fighter by Stuart McIver. That's next on The Lost Sci-Fi Podcast. Another 5-star review on Apple Podcasts Canada. Mistercloth says, “Stories to enjoy while in space flight. I have been enjoying these wonderful stories just about every day as I relax in my capsule. Terrific narration!” Thanks, Mistercloth! We're grateful for your 5-star rating and wonderful review. Now, about that capsule… we have questions. There is only one known science fiction story by Stuart McIver, and unfortunately, we haven't been able to find any other information about him. We discovered today's story while searching for Pass the Oxygen by Frank Bryning. In the June 1955 issue of Fantastic Universe, just before Pass the Oxygen, on page 77, we found a story we had never encountered before. It appears to be Stuart McIver's only published science fiction story. The Mech Fighter by Stuart McIver… Next on The Lost Sci-Fi Podcast, Frank Ridley has been given centuries to live, but the woman he loves may have only decades. To keep her, he must ask her to accept the same extraordinary future that has already separated him from everyone else. Forever is So Long by John Jakes. Lost Sci-Fi Premium - https://lostscifi.supercast.com/ Buy Me a Coffee - https://lostscifi.com/coffee Newsletter - https://lostscifi.com/free/ Facebook - https://lostscifi.com/facebook YouTube - https://lostscifi.com/youtube X - http://Lostscifi.com/x Instagram - https://www.instagram.com/lostscifiguy Bluesky - https://bsky.app/profile/lostscifipodcast.bsky.social Merchandise - https://lostscifi.creator-spring.com/ Thanks to Our Listeners Who Bought Us a Coffee $200 Someone $100 Tony from the Future $75 James Van Maanenberg $50 James Van Maanenberg, MizzBassie, Anonymous Listener $25 Fintan Quigley, Curious Jon, David Bell, Steve, Miriam, Someone, Someone, Eaten by a Grue, Jeff Lussenden, Fred Sieber, Anne, Craig Hamilton, Dave Wiseman, Bromite Thrip, Marwin de Haan, Future Space Engineer, Fressie, Kevin Eckert, Stephen Kagan, James Van Maanenberg, Irma Stolfo, Josh Jennings, Leber8tr, Conrad Chaffee, Anonymous Listener $15 Every Month Someone $15 Steve, Someone, SueTheLibrarian, Joannie West, Amy Özkan, Someone, Carolyn Guthleben, Patrick McLendon, Curious Jon, Buz C., Fressie, Anonymous Listener $10 David, Anonymous Listener $5 Every Month Eaten by a Grue $5 Tammy, Owen, Bruce, Someone, TLD, David, Denis Kalinin, Timothy Buckley, Andre'a, Martin Brown, Ron McFarlan, Tif Love, Chrystene, Richard Hoffman, Anonymous Listener Listen without commercials and enjoy exclusive bonus episodes every month with Lost Sci-Fi Premium—start your free 7-day trial today. https://lostscifi.supercast.com/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Andy lives up to his name as we talk about Andy's Vegas adventures, conspiracy drinks at Velveteen Rabbit, DnD, pipe club, Pinball FX Midnight, Rabbit, Thursday Next, Lost in a Good Book, Hadestown, The Odyssey, Risk, Boston (the band), Fairy Voice Mother, Rick Beato, Pat Finnerty, Motor Coty, scorpions (not the band), pest control, Xbox ad tier, Atari movies, false imprisonment, Marvel in Hall H, Warhammer adds a name, Indiana Jones, Blade Runner, Mr. Terrific, and Star Wars collectables. Cheers, It's time for a GeekShock!

Choosing a Trustee: Why Naming Your Kid May Be a Mistake — Marguerite Lorenz Short answer: Naming your child as trustee, executor, or agent under your power of attorney is the default choice for most American families — and it is frequently the wrong one. In this episode of Wealth Actually, host Frazer Rice talks with California Licensed Professional Fiduciary and Master Certified Independent Trustee Marguerite Lorenz about why roughly two-thirds of American adults still have no estate plan, why the job of a trustee is far more intimate and technical than families expect, and how to decide between a family trustee, a bank or trust company, and an independent professional trustee. https://youtu.be/56bzuORe8YI Episode Overview: Who Will Actually Run Your Plan? Most estate planning conversations stop at the documents. Marguerite Lorenz argues the documents are the easy part. The hard part is staffing — deciding who steps in when you can no longer make new decisions, and whether that person can absorb the technical, financial, and emotional weight of the job. Lorenz has served as trustee, executor, agent under power of attorney for finance, and agent for health care for hundreds of families since 2003. She is the author of three books — Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and the newly updated Ethics for Trustees 2.0 — and she is Vice-Chair of the Independent Trustee Alliance. Her framing line, and the one that should stick with every listener: “If you don’t get your estate plan done, you’re suing your family. You’re making them go to court. And who would want to make anyone else go to court?”— Marguerite Lorenz This is the second time Marguerite has joined the show. Her first appearance covered the mechanics of individual trusteeship: EP.75 — Individual Trusteeship with Marguerite Lorenz. Key Takeaways •Only about a third of American adults have any written estate plan — and Lorenz argues half of those plans would not actually function when needed. •Professionals are barely better than the public. When Lorenz polls rooms of attorneys, CPAs, and financial advisors, roughly one-third raise their hands for a complete, up-to-date, ready-to-go plan. •The trustee role is intimate, not administrative. A trustee sees your paperwork, your bills, your medications, and your bedroom. “Who is going to be the first person in your bedroom when you are no longer able to make new decisions?” •Incapacity, not death, is the long tail. Many people live for five or six years unable to make new decisions. The trustee’s job often runs during your lifetime, not just after it. •A professional trustee can be temporary. Lorenz recounts stepping in for a client during cancer treatment, providing a full accounting, and stepping back down when he recovered — then serving again after his death. Would your child step back down? •Estate planning is about preferences, not predictions. “Our power in estate planning is not prediction, it’s setting our preferences” — and preferences can only be set while you are competent. •Quality of life belongs in the plan. Not just tax, legal, and financial terms — but how you want to live, where you want to live, and what small things matter (for Lorenz, an international selection of dark chocolate). •Digital assets are now a core trustee problem. Phones, social accounts, and daily transactions all require someone with access and authority. •A will does nothing while you are alive. “The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone.” •Cost is usually overestimated. Both an estate plan and an independent professional trustee typically cost far less than probate court. •Revisit every five years. Calendar a five-year check-in with your attorney to review law changes, marriages, divorces, births, and deaths. Chapters and Timestamps •[00:00] Cold open: “If you don’t get your estate plan done, you’re suing your family.” •[00:32] Welcome back — introducing Marguerite Lorenz, California trustee and author •[01:14] Luck or Control? — why fear keeps families from finishing an estate plan •[02:22] What a full-time trustee actually sees: trustee, executor, agent for finance, agent for health care •[03:49] Why families default to naming a child — and where that breaks down •[05:00] The skill set nobody screens for: negotiation, calm, empathy, and grief •[05:40] Case study: serving as temporary trustee through a client’s cancer treatment — and stepping back down •[07:51] Why even attorneys need their own attorney: nobody is objective about their own circumstances •[09:09] The five-year estate plan check-in as a life milestone •[09:39] How to Be a Successful 90-Year-Old — living well to the very end •[10:20] The “black box” problem: privacy, dignity, and care in your own home •[11:54] Preferences over predictions — planning for your future vulnerable self •[13:40] Rewriting an advance health care directive after hundreds of hospital bedsides •[16:13] The statistics: only a third of adults — and only a third of professionals — are actually ready •[17:47] Frazer’s challenge to advisors: you can’t advise well if you aren’t practicing what you preach •[18:22] The first question in Luck or Control?: “Hey professional, do you have your estate plan done?” •[19:21] Ethics for Trustees 2.0 — what’s new in the updated audio and PDF edition •[20:27] Family trustee vs. bank trustee vs. independent professional trustee •[21:52] The looming crisis: the great wealth transfer, incapacity, and digital assets •[24:54] Documenting the “why” behind hard trustee decisions •[25:23] Probate courts overrun, bioethics committees, and next-of-kin defaults •[26:54] Where to find the books, the podcast, and the Independent Trustee Alliance directory About the Guest: Marguerite Lorenz, MCIT, CLPF Marguerite Lorenz is a California Licensed Professional Fiduciary (CLPF #319) and a Master Certified Independent Trustee (MCIT). She has served as Trustee, Executor, Agent for Finance, and Agent for Health Care for more than 200 families since 2003 as managing partner of Lorenz Private Trustees. Marguerite is Vice-Chair of the Board of the Independent Trustee Alliance, past Chair of the California Professional Fiduciaries Bureau Advisory Committee, and host of the Plan For This podcast. She is the author of Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and Ethics for Trustees 2.0. About the Host: Frazer Rice Frazer Rice is the author of Wealth, Actually: Intelligent Decision-Making for the 1% and host of the Wealth Actually podcast, where he interviews experts, entrepreneurs, and commentators on preserving assets and enjoying wealth. Resources and Links Mentioned •PlanForThis.com — Marguerite’s books, the Plan For This podcast, and a free First Steps toolkit. Ethics for Trustees 2.0 is now exclusive to this site (audio + PDF bundled with purchase). •TrusteeAlliance.com — the Independent Trustee Alliance directory for locating certified independent trustees by state. •Marguerite Lorenz on LinkedIn •California Professional Fiduciaries Bureau — state licensing for professional fiduciaries •Related episode: EP.75 — Individual Trusteeship with Marguerite Lorenz •Related episode: What If You Are Named in a Will or Trust? Frequently Asked Questions Should I name my child as trustee? Not automatically. A child understands the family but may lack the technical skill to handle tax, legal, financial, and medical decisions — and may be grieving or in conflict with siblings at the exact moment judgment is required. Marguerite Lorenz notes that a trustee must be a good negotiator, stay calm under pressure, set aside personal feelings, and enforce rules the grantor set. She also raises a test most families never consider: if you recover, would your child voluntarily step back down and hand you a full accounting? What is the difference between a family trustee, a corporate trustee, and an independent trustee? A family trustee is a relative or friend serving in a personal capacity, usually unpaid and untrained. A corporate trustee is a bank or trust company with institutional infrastructure, minimum account sizes, and staff turnover. An independent professional trustee is a licensed or certified individual — like a California Licensed Professional Fiduciary — who serves full-time, carries a succession plan, and can often be engaged at a lower cost than families expect. The Independent Trustee Alliance maintains a national directory of independent trustees. What does a trustee actually do while I am still alive? A trustee acting during incapacity manages assets, accounts for every dollar, handles taxation, pays bills, coordinates care, and increasingly manages digital assets such as phone-based transactions and social media accounts. Lorenz emphasizes that many people live for five or six years unable to make new decisions, so the trustee’s lifetime role is often longer and more demanding than the post-death administration. How often should I update my estate plan? Roughly every five years, or sooner after a major life event such as marriage, divorce, birth, death, a liquidity event, or a change in tax law. Lorenz recommends putting a five-year reminder in your phone to call your attorney and ask what has changed in the law and in your life. What happens if I go to the hospital without an estate plan? The hospital and its bioethics committee will do the best they can and will look for next of kin to make decisions for you — potentially people with whom you have never discussed your personal wishes. A will does not help here, because a will only operates after death. Financial and health care powers of attorney are what grant someone authority while you are alive. Is an estate plan expensive? Usually less than people assume, and materially less than probate court. Lorenz makes the same point about professional trustees: “Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about.” Do financial professionals have their own estate plans? Often not. When Lorenz polls audiences of attorneys, CPAs, and financial advisors, only about a third report having a complete, up-to-date, ready-to-go plan — barely better than the general public. Her challenge to the profession is that clients will increasingly ask advisors directly: “Do you have your estate plan completed?” Pull Quotes “Our power in estate planning is not prediction, it’s really about setting our preferences.” “Who’s going to be the first person in your bedroom when you are no longer able to make new decisions?” “I’m not in charge. I’m a servant-manager.” “Once I get my estate plan done and updated, I don’t think about it anymore. My head space is so clear because everything I was worried about has been thought about, considered, allowed, and put down in writing.” Full Transcript Transcript lightly edited for clarity. Timestamps are approximate. [00:00] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. You’re making them go to court, right? And who would want to make anyone else go to court? [00:08] Announcer: Welcome back to the Wealth Actually podcast, the show that features experts, entrepreneurs, and commentators that will give you the right knowledge, planning, and guidance so you can preserve your assets and enjoy your wealth. Learn more and subscribe today at wealthactually.com. This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinion of the employers of the host or guests. [00:32] Frazer Rice: Welcome back. Friend of the podcast Marguerite Lorenz is on the podcast this week. She’s a California trustee and has a new book called Luck or Control? out. We’re going to talk a little bit about fiduciary matters and what it takes to have good staffing within your estate plan. Welcome back, Marguerite. [00:54] Marguerite Lorenz: Thank you, Frazer. [00:55] Frazer Rice: Since the last time you were on, you have a couple of books out and we’ve gotten to see each other a couple of times with the Independent Trustee Alliance. Let’s talk a little bit about the new book that you just published and what you’re trying to do with it. [01:14] Marguerite Lorenz: So that book is Luck or Control? The Life-Improving Power of Estate Planning. And I wrote it because I’ve seen hundreds and hundreds of families really struggle with how this is going to get done, and many people don’t get their estate plan done at all because they’re so afraid. They don’t know what to expect, they don’t want to talk about their mortality, they don’t want to have serious conversations with their loved ones. And if we don’t have those conversations, we really lose all control when we need it the most — when that medical crisis happens or when life changes in a big way. [01:52] Frazer Rice: No question about it. And I went through the book and it’s an important read, because for those people who really have to get their affairs in order and feel stuck for some reason, I think you do a good job of laying out why you need to get unstuck and then how to take a couple of steps to initiate those conversations and get the important things down so that you can then have the deeper conversations that help out later on as you’re structuring things. What part of your experience being a full-time trustee helped to inform all of this? [02:22] Marguerite Lorenz: Well, as a trustee professionally, I’ve met with lots of different families in lots of different circumstances. And for many of them they’ve named me, and so I’m serving in that role. It’s not just trustee; it’s trustee, executor, agent on the power of attorney for finance, and even as agent for health care. And so that’s a very intimate job. It’s a job where you end up seeing someone’s entire life, or as much as you can of another person — their paperwork, how they do things, how they pay their bills, how they live, what medications they take. It’s really very intimate. And I think a lot of us assume that our children know us and they’ll do what we want them to do. But the thing is that it’s very likely you haven’t lived with your children in the same household for decades. And now you’re asking them to come back, drop their life, and come in and be that person for you. Be the person who’s going to protect your privacy, be that person who’s going to protect the way you want to live. And they may disagree with the way you want to live. They may actually have issues with some of the choices that you’ve made or how you’ve proceeded. So now, in addition to having a medical challenge where you’re not able to make new decisions — maybe temporarily, maybe permanently — now you have someone who wants to run the show or actually be in charge. In my job as a professional trustee, I’m not in charge. I’m a servant-manager. I’m really taking the trustor’s wishes and how they’ve structured things and really looking at that to be sure that I can continue it as best I can with all the changes that have occurred. [03:49] Frazer Rice: One of the things we were talking about before we got on board, and something we’ve discussed generally through the Independent Trustee Alliance, is that people who are asked to serve in those roles usually are family members. And for people who are uninitiated in the field, that seems like an obvious choice, because they’re really trying to put somebody in there who understands the family. But as you and I know, they may not be necessarily qualified to deal with the technicalities of the different roles that we just discussed. But also, the idea of taking on the emotional toll of these new conditions can be something different and unapproachable for many people. [04:30] Marguerite Lorenz: Well, I think it helps to kind of look at some of those issues. So you might have more than one child. Even if you have an only child, these issues apply. And now you’ve been in the hospital and you’re expecting this person to deal with your tax, legal, financial, and medical decisions. This person has to be a good negotiator. This person has to be calm when there’s issues that arise, and they may have feelings — they may be grieving that things have changed for themselves and in their relationship with you. So I think to be really empathetic and to be really kind and compassionate, we have to get our own stuff in order so that we can really have a good experience for our last days. And again, some of these roles that I’ve served in have been temporary. Let me give you an example. I worked with a gentleman whose wife had passed away because of cancer. She had been gone about two years and he himself was diagnosed with cancer. So he already knew what that might be like, right? She had already had chemotherapy; he was right there with her through all of that experience. Well, now faced with it himself, he said, “In order for me to do this, I don’t have a partner. I need somebody who’s going to deal with the business of my life so that I can focus on my health.” He named me as his trustee. I became active. I reported to him because he was still able to receive those reports. He was certainly mentally able, but physically it was really hard. He was exhausted most of the time. And he was going to grief support for the loss of his wife and going to chemotherapy treatments. So you can imagine just how full his day was. So we’re into this two years. He met a woman at grief support. He was feeling better because the treatment worked, and he decided he wanted to travel the world before he died. And he married this woman, and they were very happy together. And he asked if he could be trustee again. So — I’m a professional trustee. It’s part of my duty to step back and step down when the trustor who wants to be trustee again wants that job back. So I gave him a full report, he had an accounting, he knew exactly what had happened during my term. He went on with his life, and then he passed away and I became trustee again. So I just wanted people to know that it could be temporary. It’s not necessarily a permanent job. Would your child step back down? [07:14] Frazer Rice: No question. Once in the role, sometimes it’s difficult to get out of it. But you did the right thing in terms of getting an accounting, making sure that your duties stopped when you were told to get off, and then when you were ready to come back on, that those sightlines are very clear. And that’s what comes with talking to a professional like you. You understand those parts so that you’re not having things bleed from one role into another and having liability issues or misunderstandings with the next generation. [07:51] Marguerite Lorenz: Right. And let’s talk about working with professionals from the beginning. We don’t know what we don’t know. And even attorneys need to go to an attorney to get their estate plan done. There may be attorneys who disagree with that, but none of us can be truly objective about our own circumstance. And we need someone who’s going to ask us some tough questions and really help us figure out: what is our intention? How do we feel about this? What’s important to us? So, getting my own estate plan done — I was a single mom in a new profession. I had just become a fiduciary and I had just learned about estate planning. I was learning so much at that time and realized, every time I drive on the freeway, I’m risking my children’s future. I’m their only parent. What can I do about that? So estate planning isn’t just about money, and it isn’t just about death. It’s also about taking an inventory. What do I have? What have I accomplished? Who do I love? What do I really care about? And once we get to have those kinds of conversations, our whole perspective on life improves. And I’ve used my own estate plan, every time I’ve gone to update it, as sort of a milestone check — where am I now? [09:09] Frazer Rice: Maybe the standard procedure is every five years to check in and make sure that life has not advanced as far as divorce, deaths, new kids, marriages, things like that, to make sure that the plan is in place. And it’s a great milestone to reflect on things. And then, as we move up the ladder wealth-wise, if there are changes in tax laws and things like that, it’s important to make sure that the plan understands that change and is able to accommodate what’s going on on that front. Let’s take that as a segue. You have another book that you came out with, How to Be a 90-Year-Old — or a well-functioning 90-year-old. [09:36] Marguerite Lorenz: How to Be a Successful 90-Year-Old. [09:39] Frazer Rice: More than well-functioning — actually successful. How to Be a Successful 90-Year-Old. I have not read that yet, so tell us a little bit about what’s going on there. [09:47] Marguerite Lorenz: Well, I want everyone to have that blue ribbon feeling at the end of their lives. And I picked 90 because I have had clients that have reached a grand old age of over 100. My last client passed at 105. So it is possible to live well until the very end. And I’ve been working with people for over 20 years that are much older than me, who have lots of wisdom and experience to share. Their stories are important. So for people that are serving as trustee — whether you’re a family member trustee or you’re a professional — this book might be helpful, because I actually talk about the relationships with those clients. And I also talk about some things we could do now so that life is simpler, better, and more comfortable when we might need some help. And that’s another barrier that a lot of us have. We have this barrier to having someone come into our home and help us. Our home is our sanctuary, it’s our private space. But I want everyone who’s listening right now to just think about it: who’s going to be the first person in your bedroom when you are no longer able to make new decisions? And do you want that person to see everything that might be in your bedroom? Many, many adults have what I call a black box. We have something that’s private that really, really we keep to ourselves. But everything gets exposed once you are not able to care for yourself. So then what? Well, many people want to stay in their home no matter what, as long as possible. So imagine, if you will — some of my clients have lived in the same home for 30, 40, 50 years. And now they have to get care. Can we arrange to have that care in their home? So this exploration is really about living well to the very end. There are some really great tips, things I’ve learned from my 90-plus-year-old clients that I’ve employed and deployed for myself. [11:23] Frazer Rice: Just as an example there — I’m a ripe old age of 53 shortly. The idea of getting things in place while you’re at the peak of your powers, and you don’t have the difficult decision of having the car keys taken from you, or being in a home that isn’t appropriate for you anymore, meaning you don’t have the necessary safeguards for showers and stairs and things like that. Do you get into that, as far as trying to look five years ahead to make sure that the things that you can do now in a more comfortable environment take place before maybe the emergency happens and then all of a sudden we say, “Oh my gosh, we’ve got to do a complete overhaul here”? [11:54] Marguerite Lorenz: Well, as you know, Frazer, our power in estate planning is not prediction, it’s really about setting our preferences. And if we don’t do that while we feel good, while we’re competent, while we’re thinking clearly, we don’t get a chance to express that or do that once we’ve lost our competence. So this is really important — that I’m thinking about my future vulnerable self. I’ll give you a small example for me personally: dark chocolate is part of my life. I like having an international selection of dark chocolate and I don’t want the same kind every day. I feel the nuances and the taste and the flavors; it’s important to me. For some people that might be wine, for other people it might be fine literature. It really depends on what you’re into. Well, our estate plan can be just about tax, legal, and financial stuff, but it really should be more. It should be about our quality of life. And that’s really what I’m instructing and what I’m talking about in a very warm, personal way in How to Be a Successful 90-Year-Old. And even in Luck or Control?, I want people to understand the function of the documents. So we talk about the documents and what they’re supposed to do to assist your person. But you have to have a person. And you might choose to have a trust company or a bank serve as your trustee, you might have a family member, you might have an individual like me — an independent trustee. You can find more independent trustees at the Independent Trustee Alliance. But the point is: how do I want to live? Who do I want to have help me? What does that help look like? Well, you might not know all the answers right now, but if you begin now, your eyes open to different possibilities. I’ll give you an example: I have visited lots of hospitals. I’ve been to people’s bedsides many, many times. I’ve learned that there are certain procedures I’m just not willing to go through. So in my mind I had to update my advance health care directive to basically say: this shell that I’m in, the case I walk around in, the machine that I live in, needs to be kept alive long enough so that my boys can say goodbye. And that’s not for me, that’s for them. But I don’t want it to go on interminably. [15:00] Marguerite Lorenz: So I’m pretty specific in my documents about what I want. So I’m hoping to help people have a little perspective — use that energy you have, use the power that you have right now to make decisions for yourself, and allow yourself the opportunity to update your estate planning documents from time to time, so that what you learn goes into your documents, and what you decide and what your intention is, is clear. [15:23] Frazer Rice: One of those points that you bring up that I think is important is that you can be a really good user of professional services with some forethought. To muse a little bit about what the end of life looks like is somewhat an unpleasant thought, if you feel like you’ve got less than your full faculties and that ends up being your future. But thinking about that and putting some planning around it, and real ideas about what you want others to take away from your end of life, in many ways I think is a great way to really get the documents put in place and reduce tension and questioning later, and any ambiguity that there might have been ahead of time. [16:13] Marguerite Lorenz: Well, that’s the thing too that we don’t necessarily consider when we avoid estate planning. And I’m talking to all the professionals who listen to you, Frazer. The percentage of professionals who have their estate plans completed might be just a little bit more than the average person, but only a third of American adults have any kind of written plan — and I would argue that half of them are not really going to work. And when I speak to professional groups — attorneys, CPAs, financial advisors and so on — I get that same raise of hands: only about a third of them have a complete, up-to-date, ready-to-go estate plan. Why do I need it ready to go? Because I don’t know what’s going to happen or when. So yes, it is hard to contemplate the end of our lives; it’s not something we want to think about. But how do you stop thinking about it? How do you stop worrying about it? You do everything you can about it right now, and then you set it aside. And our cell phones are so powerful that I can put in my calendar five years from now to call my attorney and ask if anything’s changed in the law, and to consider then if I need to think about anything that might have changed in my life that I want to update. So once I get my estate plan done and updated, I don’t think about it anymore. I’m so relieved. My head space is so clear, because everything I was worried about has been thought about, considered, allowed, and put down in writing. And now I don’t worry anymore. [17:47] Frazer Rice: I scolded a group of financial professionals I was giving a talk to. I asked probably a similar question, which was: how many of you have your estate plan documents up to date? And they all shot up, out of shame. I said, “How many of you have looked at them within the last two years?” And then that shot down to about a third, maybe less. I just said, “Shame on you.” People are looking to you for help on these things and you’re not leading by example. And so — point taken, and not just the trusts and estates lawyers, but for everybody else around the ecosystem. To not go through that exercise yourself — you can’t possibly advise correctly if you’re not practicing what you’re preaching. [18:22] Marguerite Lorenz: Well, here’s my challenge, and here’s my challenge to every professional in our mutual space: bank trust officers, administrators, paralegals, everybody. In Luck or Control? and on planforthis.com, which is where you can find my books and get a free First Steps toolkit, the first question is, “Hey professional, do you have your estate plan done?” It’s the first question. Why? Because I want to be sure I’m dealing with somebody who has some empathy for the emotional decisions I’m going to have to make. I want someone on my team that understands what this feels like — not just the wise, tax-smart decisions that they made. It’s a whole package. And so I’m putting it out there and I’m saying: I’m challenging everyone in our mutual space. Make sure you have your estate plan done, because more and more clients are going to be asking you, “Do you have your estate plan completed?” [19:21] Frazer Rice: So then let’s talk about your third book, which is sort of an update — and we talked about it in the previous podcast that we did a while ago, and I’ll have that in there — which is Ethics for Trustees. What’s in the update? I know it’s now in an audio version, which I haven’t sampled yet but I’m sure it’s really good. What’s new now versus when it first came out? [19:54] Marguerite Lorenz: So I’ve simplified it a bit, because I recognize that each of us can look up the probate code for the state that we live in, and it was really much more of a California-specific book. Look, I’m a California Licensed Professional Fiduciary and I’m also a Master Certified Independent Trustee. So having the audiobook, and also having it in PDF form, I think is very helpful for people so they can make notes, take a certain page with them. And the book now is exclusively available at planforthis.com. And when you purchase it, you’re getting both the audio and the PDF version. [20:27] Frazer Rice: Cool. Well, we’ll make sure that’s in the show notes. Let’s take the last little bit of time we have here and talk about the decision to have an individual trustee — and by individual, I mean family trustee — versus a more professional trustee, whether it’s an individual or a bank trustee. You and I sort of nod our heads in agreement every time we talk on this topic, and I’ve done podcasts with others where I feel this looming crisis is coming, where people put all these documents together in trusts and then they staff them with people who may be initially qualified, barely, but then six months after the ink is dried, their interest wanes, their technical capability wanes, life intervenes, something different happens — and the problems just multiply at that point. I guess my big question is — and from the Independent Trustee Alliance, where there is a group of people who can operate as a trustee without having to go to a bank — how bad do you think this problem could get? We have this great wealth transfer and we have a lot of assets shifting, not just from the ultra-high-net-worth but regular people shifting to the next generation, with people at the wheel of these structures that I don’t think really understand what’s going on. How bad could this get? [21:52] Marguerite Lorenz: In my view, we’re not just dealing with a transfer of wealth — because that’s where a lot of people focus. Where’s the money going, right? It’s going from one generation who died and then the money’s going to the next generation. But in that interim — and by the way, many people live for years unable to make new decisions for themselves. So it’s during their lifetime that they might need their trustee to step in, not just after they die. And that’s really important to consider: that you might need someone for five or six years when you need someone to make decisions. What kind of decisions? You have digital assets, you have your social media accounts, you might be doing transactions on your phone all day every day — but someone else will need to get into your phone to actually do those things, maybe. Is that somebody you want from your family to do that for you? Maybe you still say yes. But that family member has to have the ability to enforce the rules that you’ve set in your trust. They need to communicate really well with other people. And they have to set aside their own feelings. They have to put you first. And that’s a big challenge. So when you think about the word fiduciary — and I know that the financial industry has used the word a lot — the technical aspect of that is that I’m putting my needs aside and putting that trustor, that person who created the trust, their needs first. Then I also have to consider their beneficiaries and the future of those beneficiaries. So I’m dealing with transactions and having to account for every single penny of where the funds are now and where they’re going, what the assets are, what the character of those assets are. I have to deal with all the taxation that goes with that. I have to manage those assets. So that’s one set of skills, right? But then there’s the softer skills about communicating with other people and understanding their doubts and their concerns, and not taking that personally, and putting things in writing. So this is a big job. It’s not the simple job that it might have been at one point, where someone just wrote a will on their cocktail napkin and said, “Okay, I’m leaving you all my money.” The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone to be that person for you, to go to your house, get you some clean underwear and socks and bring it to the hospital for you. So I think we have to look at our lives as more complex. It’s not just driving a car; it’s deciding where that car goes, and if the car is maintained, and is the car clean, and can we have other people in the car with you? There are just so many decisions that I’ve had to make for other people that I don’t take any of this lightly — and nor should anyone who’s writing their estate plan. You need that attorney to ask you those questions and walk you through your day-to-day, so you can keep your day-to-day as long as possible. [24:54] Frazer Rice: Well, the other part too is the people who assume those roles — and I’ve been in it too — when you are asked to make tough choices, sometimes you have to make tough choices that favor one person over another, and you may be called to account for that. And the idea of keeping diligent records and writing — in a sense putting down the reasoning behind what you’re doing and making sure that everyone, to the extent it’s possible, understands the why of what’s happening — I think that is going to help people really save themselves some issues going forward when those tough choices have to be made. [25:23] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. [25:27] Frazer Rice: Ah — good way to put it. [25:29] Marguerite Lorenz: You’re making them go to court, right? And who would want to make anyone else go to court? I mean, it’s just such a sad thing. And by the way, our courts are overrun with people that did no planning. And none of it happens quickly. So if you end up hospitalized and you haven’t selected a person, then the hospital and their bioethics committee is going to do the best they can. They’re going to ask for next of kin to make decisions for you — people that you may never have discussed your personal life with now have to be making decisions for you. So I’m asking people to be a little more proactive. I know you’re busy. I know it costs money to get an estate plan — probably less than you think, and certainly less than probate court would cost. A lot less than probate court would cost. Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about. I’m good. I have my plan, I keep up to date with my successors. I have a succession plan that’s worked beautifully. I’ve tested it. I know. And that’s why I can be so calm and so confident everywhere I go in my life. I’m feeling so good and so happy. Well, I want that for everyone. I want everyone to have that calm, true confidence that comes with knowing you’ve done everything you possibly can for yourself and the people you love. [26:54] Frazer Rice: Terrific. Marguerite, how do people get the books? How do people find you and your podcast, the Independent Trustee Alliance, and any other points of contact? [27:04] Marguerite Lorenz: Great, thank you. So planforthis.com is where you can find the books, where you can find me. We do have a podcast that has some wonderful discussions, case studies, and other topics to help people better understand the choices that they have. The Independent Trustee Alliance has a wonderful directory to find all kinds of professionals, but especially independent trustees, and you can find that at trusteealliance.com. And I’m going to be out there — I’m on LinkedIn. Come find me, connect with me. And Frazer, once again, thank you so much for the opportunity to visit with you. [27:40] Frazer Rice: Oh, it’s always great to get your expertise. And you bring a great sense of empathy to what can be a very technical and dollar-driven process. And I think the empathy, when it gets avoided or missed, there’s something really lost. So I really value your perspective on it. Thank you so much. [28:00] Announcer: This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinions of the employers of the host or guest. Subscribe to Wealth Actually on Apple Podcasts, Spotify, Youtube or wherever you listen — and if this episode was useful, share it with the person you have named in your documents. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/

Welcome to Episode 138 of The Journey Is The Reward!On this episode, Brian and Micah are crossing the Atlantic to talk with the one and only Terrific Tanya about her recent UK adventures.Before bringing our guest into the studio, Micah and Brian check the mailbag for any last-minute updates. But wait… there are absolutely zero ground delays today! With no general listener feedback and a rare episode off from Listener Lu, the guys take advantage of the completely clear skies and cruise straight into the main conversation.Tanya recently jetted over to England to meet up with the chaps from Plane Talking UK to help them celebrate and record their monumental 600th episode of PTUK.Tanya gives us the full, unfiltered trip report on her journey to the UK and the incredible festivities held at the historic Imperial War Museum Duxford. It's an amazing story of aviation history, great community, and transatlantic travel—though her recap does leave Brian feeling just a little bit guilty for holding Micah back from joining in on the live adventure.So sit back, relax, and enjoy the stories. Because around here, the journey is the reward.As always, our ears are blessed by the utterly soul-stirring, goosebump-inducing sounds of the Madalitso Youth Choir! Their Welcome and Goodbye songs, recorded straight from the Royal Livingstone Hotel in Zambia, are pure magic.You can always find the audio recording at www.thejourneyisthereward.org.

Paulie & Tony Fusco expose the TOTAL LIES surrounding World Cup 2026. They tell you why America didn't "fail" at the World Cup, why there's a QUICK FIX for the US Soccer team, and why the soccer scoring system clearly needs to be fixed. Also, they celebrate the historic FUSCO250 and take a look back at a key moment in the show's history. Plus, they review the INCREDIBLE trailer for the new movie "I Play Rocky". Rate and review the pod 5-stars on Apple Podcasts bro Shop merch store HERE bro and get TERRIFIC products.See omnystudio.com/listener for privacy information.

Paulie & Tony Fusco expose the TOTAL LIES surrounding World Cup 2026. They tell you why America didn't "fail" at the World Cup, why there's a QUICK FIX for the US Soccer team, and why the soccer scoring system clearly needs to be fixed. Also, they celebrate the historic FUSCO250 and take a look back at a key moment in the show's history. Plus, they review the INCREDIBLE trailer for the new movie "I Play Rocky". Rate and review the pod 5-stars on Apple Podcasts bro Shop merch store HERE bro and get TERRIFIC products.See omnystudio.com/listener for privacy information.

Dune Part Three just dropped its IMAX trailer, Naruto is finally getting a big-budget live-action movie, and Freddy Krueger is coming back in a full Nightmare on Elm Street reboot. Frank and Squeaks break down a stacked week of trailers, teasers, and franchise news to figure out which of these actually have a shot. Along the way they react to the Shrek 5 trailer and its new animation style, size up the Crystal Lake teaser and its Pamela Voorhees focus, get hyped for the canon 1994 Ghostbusters animated series with Dan Aykroyd and Jack Quaid attached, and debate whether DC's Mr. Terrific series proves James Gunn is playing the long game after Supergirl. Plus a spoiler-friendly Dungeon Crawler Carl book club check-in and this week's recommendations, from Death Stranding 2 to the Predator Badlands comic mini-series. And the question of the week: if the X-Men ran the government, who gets the White House? Timestamps and Topics 0:00 Intro and Question of the Week: Which X-Men Should Run the Government? 5:18 Dune Part Three IMAX Trailer Reaction 12:36 Shrek 5 Trailer and the New Animation Style 16:16 Crystal Lake Teaser: The Friday the 13th Prequel Series 19:35 Naruto Live-Action Movie News and Casting 24:46 Nightmare on Elm Street Reboot at Paramount 28:49 Ghostbusters Animated Series Coming to Netflix 32:06 DC News: Mr. Terrific Series, Supergirl Thoughts, and Lobo's Future 41:49 Dungeon Crawler Carl Book Club Corner 50:04 Network Updates and Recommendations of the Week Key Takeaways The Dune Part Three trailer suggests the movie is expanding small moments from the book, like the worm heist, into major action set pieces, and it may be the biggest departure from the source material yet. Naruto's live-action movie has real momentum: director Destin Daniel Cretton is attached, creator Masashi Kishimoto has given his blessing, and a global casting search is underway for Team 7. The Nightmare on Elm Street reboot lands at Paramount with the Wes Craven estate involved and the team behind Barbarian and Weapons attached, and the premise holds up better in a modern setting than most 80s slashers. The new Ghostbusters animated series is set in 1994 New York, is canon, and has Dan Aykroyd producing, with Jack Quaid in the voice cast. DC greenlighting a Mr. Terrific series after Supergirl's soft box office signals James Gunn is prioritizing long-term world building over chasing safe bets. The Crystal Lake teaser centers Pamela Voorhees, played by Linda Cardellini, raising the question of whether a Friday the 13th story can work with Jason mostly offscreen. Quotes "You go to sleep, Freddy's in your mind. Nightmare on Elm Street is one of those stories that actually could work today just fine." "If I were a Naruto fan, these are all the stars lining up that I'd want to line up." "I think this is going to be the Clone Wars of Ghostbusters." "If you were to cut every part of Lobo out of this movie, you would not feel his absence in the slightest. That being said, Jason Momoa as Lobo nailed it." "Everything that's ever mentioned or anything that's put into his bag, you can assume will be used." Call to Action Enjoyed the episode? Subscribe so you never miss a breakdown, leave us a review on Apple Podcasts or Spotify, and share this one with a fellow geek using #GeekFreaksPodcast. Links and Resources GeekFreaksPodcast.com, the source of all news discussed during the podcast New Fairy Tale interview with director Stephanie Hubbard, available now on Patreon Follow Us Website: GeekFreaksPodcast.com Facebook: https://www.facebook.com/thegeekfreakspodcast Threads: https://www.threads.net/@geekfreakspodcast Patreon: https://www.patreon.com/GeekFreakspodcast Listener Questions Which X-Men would you put in the White House? Send us your cabinet picks, reactions, and future topic ideas on social media or in the comments on Spotify. We read everything and your question might make it into a future episode.

100 Bullets: U.S. of Anger, Challenges of Doom, What If… Secret Wars, Killer Influences, Last Starfighter, Beast of Boriken, Dead Acre, Power Rangers Unlimited, Through the Black Gate, Iron Lung, Minions vs. Monsters, Invisible Man, Fire Power   Weekly Reviews Details and Credits: DC 100 Bullets: The U.S. Of Anger 1 by Brian Azzarello, Eduardo Risso Marvel Challenges of Doom: Mr. Fantastic 1 by Al Ewing, Mike Henderson, Mattia Iacono Marvel Swimsuit Special: Brand New Beach Day 1 by Daniel Kibblesmith, Alessandro Miracolo, Jesus Aburtov Rainbow Rowell, Phil Noto Anthony Oliveira, Pablo Collar, Rachelle Rosenberg Dan Schkade, Rachelle Rosenberg Cody Ziglar, David Baldeon, Edgar Delgado Star Wars: Rogue One – Saw Gerrera 1 by Marc Bernardin, Gabriel Guzman, Federico Blee What If…? Secret Wars 1 by Alex Paknadel, Cafu, David Curiel Marvel Unlimited Infinity Comics: Alien: The Friendliest Facehugger 10 by Jason Loo, Goodman Yamada Redwing: Independence Day 5 by Juan Ponce, Pablo Collar Realmguard 1 by Preeti Chhibber, Lorenzo Tammetta X-Men '97: Strike Files 1 by Steve Foxe, Marcio Fiorito Alien Valiant Beyond: Tales of the Shadowman – Legacy of LeRoi 1 by AJ Ampadu, Sergio Monjes, Ludwig Laguna Olimba Archie Archie Comics Celebrates America's 250th Boom Power Rangers Unlimited 1 by Kenny Porter, Joey Esposito, Alessio Zonno, Raul Angulo Dark Horse The Beast of Boriken: A True Weird Story 1 by Julio Anta, Daniel Irizarri, Patricio Delpeche Justin Jordan, Tony Akins Shaolin Cowboy: Staying A.I.Live 1 by Geoff Darrow, Ian Herring, Alina Bartolini, Lea Mascareno Dynamite Red Sonja Noir: The Plunder & the Princess 1 by David Avallone, Edson Novais, Adriano Augusto Vampirella Summer Special 2026 by Erica Schultz, Adriano Melo, Ceci de la Cruz IDW Killer Influences 1 by Joey Esposito, Valeria Burzo, Inaki Azpiazu Image StarHenge Book Two: A Kiss for Atticus 1 by Liam Sharp Mad Cave Last Starfighter 1 by Ben Raab, Deric Hughes, Willi Roberts, Agnese Pozza, Francesco Segala Oni Adventure Time Quadruple Feature 1 by Mariko Tamaki, Brenda Hickey, Leonardo Ito Faceless and the Family: Maze of the Mechanical Aliens 1 by Matt Lesniewski Vault Dead Acre: Black Badge 1 by Cullen Bunn, Riley Brown, Jorge Ramirez, Rhett Bruno, Jaime Castle OGN Countdown Declaration / Emancipation Illustrated by R. Sikoryak Disney's Frozen Classic Comic Collection Billy B Brown Mystery Club: Spooky House Fartboy and Reaky Dog: Dino Doom Legend of Vox Machina: Whitestone Chronicles Vol 3 – The Briarwoods Stone of Sheero: Fall of Sheero Katie the Cat Sitter: Villain Con Through the Black Gate by Alfredo Caceres TV Bear final season My Adventures With Superman 3.4 X-Men Season Two premiere Movies Iron Lung Minions vs. Monsters Additional Reviews: Universal Monsters: Invisible Man Fire Power v1 News: Blade game maybe canceled, Siren Head movie in development, Star Wars: Jedi Visions mini series to focus on single narrative (The Ninth Jedi), Bone Parish in development as TV series, Lemire leaving JSA with #24, Last Kids on Earth live-action reboot for Disney+, another Drawn & Quarterly controversy, Mr. Terrific possibly getting a TV show, Biker Mice From Mars/Judge Dredd crossover, Daniel Warren Johnson new series Trailers: Comics Countdown (01 July 2026): Absolute Martian Manhunter 12 by Deniz Camp, Javier Rodriguez Deadman 2 by W. Maxwell Prince, Martin Morazzo, Chris O'Halloran Absolute Green Lantern 16 by Al Ewing, Sid Kotian, Prasad Rao Radiant Black 43 by Kyle Higgins, Michael Busittil, Giona Zefiro, Marcelo Costa Event Horizon: Inferno 3 by Christian Ward, Robert Carey, Xenon Honchar Royals 4 by Derk Kirk Kim, Jacob Perz Minor Arcana 16 by Jeff Lemire, Letizia Cadonici, Patricio Delpeche Mortal Thor 12 by Al Ewing, Jesus Saiz, Matt Milla Batgirl 21 by Tate Brombal, Stephen Segovia, Rain Beredo Batman 11 by Matt Fraction, Jorge Jimenez, Tomeu Morey  

Brian Tyler Cohen is a progressive YouTuber, podcaster, and host of the No Lie with Brian Tyler Cohen podcast. He's built an audience of millions across platforms and billions of views on YouTube. His first book, Shameless, was a #1 New York Times bestseller. His new book, THE DAY AFTER: How to Wield Power in a Post-Trump World, goes on sale July 14th. Brian and I discuss the book and the current threats to our democracy from Trump 2.0; his prediction for the upcoming midterm elections; expanding the Supreme Court; and his thoughts on the Graham Platner fiasco, NYC Mayor Zohran Mamdani's performance, and the Iran war horizon. Got somethin' to say?! Email us at BackroomAndy@gmail.com Leave us a message: 845-307-7446 Twitter: @AndyOstroy Produced by Andy Ostroy, Matty Rosenberg, and Jennifer Hammoud @ Radio Free Rhiniecliff Design by Cricket Lengyel

In this episode the Filmbros discuss DCU Projects like new Mr. Terrific show, MCU X-Men reboot, Sony cuts physical media, fancasts and Supergirl shillsLeave a message on our socials! Twitter, TIktok, IG @FIlmBrosPodcastSupport the show

“Reducing the Noise of AI Investing”: In this Wealth Actually episode, Frazer Rice speaks with KEVIN SHEA, Senior Equity Analyst at BNY Wealth, about AI Investing and how investors should think about artificial intelligence as an investment theme rather than just a headline-driven trend. They discuss the difference between hype and durable fundamentals, how to segment AI opportunities across infrastructure, software, and end-user adoption, and why free cash flow still matters when evaluating companies tied to AI. https://open.spotify.com/episode/1NGM8j2KqdiUFWSLguBMEH?si=YmB4s0OVSqyy6U3Mpg7OaA https://youtu.be/Wnlub-HoiUo The conversation also explores circular financing risk, the role of management vision in fast-moving markets, which industries may be disrupted or strengthened by AI, and how large institutions are using AI internally to improve productivity, analysis, and client service. Chapters 00:00 – Intro and episode setupFrazer Rice introduces the episode, frames AI as a dominant investment theme, and welcomes Kevin Shea to help unpack AI Investing for the audience. 01:00 – Hype versus disciplined investingKevin explains that disciplined investing is what allows investors to separate hype from durable opportunity, and argues that AI adoption, spending, and earnings revisions point to real underlying fundamentals. 03:00 – How to bucket AI investment themesThe discussion turns to how investors can organize AI exposure, including beneficiaries versus disrupted companies, technology bottlenecks such as GPUs and networking, and industry adoption themes across sectors. 05:30 – Valuation, momentum, and free cash flowKevin discusses why free cash flow per share growth remains one of the most important drivers of stock performance and why parts of the semiconductor ecosystem may deserve a valuation re-rating. 08:15 – Circular financing and risk in the AI ecosystemFraser asks about the growing concern that AI companies are financing one another, and Kevin outlines both the bullish “escape velocity” case and the downside risk if business models do not become independently profitable fast enough. 11:45 – Infrastructure buildout and competitive uncertaintyUsing analogies like railroads and golf courses, the conversation highlights the risk that early builders may not be the ultimate winners, especially in a market with heavy spending and rapid leapfrogging among competitors. 13:00 – AI Investing: Public versus private market exposureThey examine whether owning public companies such as Alphabet offers meaningful AI exposure, versus gaining more direct but harder-to-access exposure through private investment vehicles. 15:45 – What strong AI management teams look likeKevin emphasizes that in an environment with no clear historical playbook, vision, execution, and the ability to identify durable differentiation are critical traits in management teams. 19:15 – Adaptability and strategic pivotsFraser adds that thoughtful adaptation matters, and Kevin notes that sometimes acquisition activity can signal whether a company is innovating ahead of the curve or scrambling to catch up. 20:45 – Which industries are most exposed to disruptionThe conversation shifts to sectors under pressure, especially parts of software and IT services, while stressing that disruption does not necessarily mean extinction. 24:45 – Why law and accounting may evolve, not disappearFraser offers a contrarian view that AI may make strong legal and accounting professionals more valuable, and Kevin compares that to earlier fears that Excel would eliminate accountants. 26:15 – How Kevin uses AI in practiceKevin describes how AI has made his team materially more productive, especially in data aggregation, scenario analysis, industry research, and portfolio risk work, while also helping BNY operationally across onboarding, security, and client communication. 29:10 – Where to find Kevin and closing remarksThe episode closes with Kevin sharing where listeners can connect with him and Fraser noting how quickly the AI landscape continues to change. Links KEVIN SHEA on Linkedin RICK FERRI on BRING SIMPLICITY BACK TO INVESTING Transcript of AI INVESTING Frazer (00:01)Welcome aboard, Kevin. Kevin Shea (00:03)Yeah, thanks for having me. Appreciate it, Frazer. Frazer (00:06)We're going to tackle two words that have basically taken over the investment world for the last six months: artificial intelligence. Before we do that, whether it's AI or crypto or tulips or anything with a lot of hype or buzz around it, how do you think about delineating between investing based on hype and doing it within the confines of a disciplined approach? Kevin Shea (00:32)They really do go hand in hand. You need a disciplined approach in order to recognize whether it's hype or not. The reality is that it's pretty impressive, the adoption we're seeing with AI: the amount of spend, the companies that are participating in and benefiting from AI. There was some concern with the stock movements that many of these companies have seen about whether the market was getting ahead of itself. Yet we have seen significant estimate increases throughout the year. If you take a look at some of the networking companies, their earnings expectations for 2027 are up almost 50% versus where they were just six months ago. The same is true with memory, GPUs, and CPUs. Fundamentally, we're seeing a lot of these companies have expansion in revenue growth and earnings growth, which is quite supportive of a durable trend. What's also very important is that adoption of AI is increasing. You can look at enterprise adoption: nearly two‑thirds of enterprises pay for an AI service. You can look at token usage — that's how much companies are using AI — and that has been parabolic as well. Look at the revenue generation of these AI models. Right now, they are some of the largest, fastest‑growing companies that have ever existed. So we don't really see this as a tulip scenario, or even comparable to the internet bubble. We find it very different. We think there are fundamental drivers to this trade, and we're seeing that through earnings growth. Frazer (02:37)Cool. AI to me is a term that encompasses a lot of different things, and in some ways it's become like real estate or water — it's starting to touch a lot of different industries. It's not just a thing unto itself, but something that's becoming integrated into a lot of other types of things. How do you define and bucket the investment themes so that it's digestible for the investor, and it's not just, “I'm investing in Anthropic or Google,” but people can parse out where it fits within a portfolio? Kevin Shea (03:14)It's a great question and probably one of the most important ones. Part of our overarching thesis is that for AI to fulfill its promise, it has to be in every geography, in every industry, at every company, and at almost every employee layer. We're seeing that when you look at the business units that are adopting AI: customer service, product development, marketing — basically divisions that almost every single company in every geography has. You phrased it as water, how it touches everything, and we're seeing that. So how do you segment it? There are a number of different ways: First, you can break it into: who are the AI beneficiaries, and who are those that will be disrupted by AI? Second, you can break it down into different bottlenecks. That's a way I frequently use within the technology landscape: GPUs, CPUs, memory, networking, storage, data centers. Then you look at that framework and see which companies are most exposed to those bottlenecks. Third, you can ask: which industries will benefit from adoption? Is that biotech, transportation, warehousing? Which companies could be more negatively influenced — maybe that's software? That's how we try to create an AI Investing framework for where we should focus our investment efforts and determine the allocation that our clients can benefit from. Frazer (05:17)As we dive a little bit into how you've bucketed these themes across different areas, there's the concept of benefiting from momentum or valuation versus maybe the cash flow and fundamentals of these different investments. I could imagine that, with the hype and mania around the space, there's a lot of interest. How do you temper that valuation play versus analyzing what the cash flows look like? Kevin Shea (05:49)One of the most highly correlated metrics to stock outperformance is free cash flow per share growth. That's often the most important metric, and we watch that heavily. What's incredible — and we talked about this earlier with estimate revisions — is that many within the AI ecosystem are generating extremely healthy free cash flow growth and margins. A lot of that is in AI infrastructure. They're being paid to supply all the equipment and semiconductors. There's also this concept that valuation multiples shift to where there's value creation. I'll give an example: The SOX, the semiconductor index, used to trade at parity with the S&P. But there's been a paradigm shift. A lot of the intelligence that's being created through these models is powered by semiconductors, networking, packaging, and hardware. You've seen semiconductors go from trading at parity to trading at almost a 50% premium. At the same time, the market is intelligent; it's shifted its view of software. Software used to trade at a 70% premium, and we think the intelligence layer has moved just one layer above where software applications normally sit. As a result, you've seen valuation compression for the IGV, the software index, from that 70% premium down to about 20%. Some people might look at the semiconductor index and say it's more expensive than where it historically trades — maybe that's hype. But we actually view it as a shift in where the value creation is occurring. So we think it's a healthy, understandable move within the market. Frazer (08:16)One of the questions that pops up is that there's a lot of news around the circular flow of cash, where a lot of these companies are all investing in each other. You hear “five hundred billion is going from Google into Anthropic,” or different flavors of that, where it seems like the money is rotating. And there's a question as to whether it's rotating and expanding, given sales and so on. How do you think about that and make sure that we aren't wandering into more of the sort of things that are happening off balance sheet that we don't see, while still recognizing the investment that's taking place? Kevin Shea (08:57)At minimum, it raises the risk profile. There are many circumstances and scenarios where this has occurred in the past — the internet being the most commonly referenced — and that obviously did not work out. There are multiple scenarios that could happen, but for simplicity we'll break it down into two. The first scenario is that this is such a capital‑intensive expansion that companies are doing an “all‑hands‑on‑deck” effort. The faster you can get capital from well‑capitalized firms, the faster you can build your infrastructure and reach scale so that these large language models are profitable. If you can expand and take capital from everywhere, then you can provide enough compute for all enterprises and consumers to utilize your product and your model. You reach “escape velocity” in the sense that your scale allows you to lower costs and become more profitable faster. That's the glass‑half‑full environment. Glass‑half‑empty is that they do not reach escape velocity. The business models needed more time to bring the cost of delivering AI down enough to be profitable on their own; they didn't need this extra capital to reach an enormous amount of scale, and they're moving too fast. If that scenario plays out, and these companies are not able to be profitable on their own, and the financial markets become tighter, that creates more downside risk for everybody in the ecosystem. We don't see that right now because, at the moment compute is available, it's being taken right away. We still feel comfortable with the financing occurring right now, but it is one of the top risks that we monitor. It's not that it's systemic, but it provides less clarity and disclosure, and it creates a riskier profile as we go through this expansion. Frazer (11:43)In the back of your mind, you're probably saying, “We want to make sure, if there are winners and losers in AI Investing, that we avoid the railroad scenario,” where you build this whole infrastructure and companies have to go bankrupt twice before they actually reach profitability. Or the bromide that golf courses only become profitable, if they ever do, because the person who built it — a passion project — didn't make it work, then it goes bankrupt, then the bank is stuck with it and doesn't know how to run it, then they get rid of it, and then the third person has learned the lessons from the first two and is able to push forward. Kevin Shea (12:23)That's a good point. When we look at all these different models being created, right now you have an environment where everyone is spending and keeps leapfrogging each other at different times. It's still a very unknown outcome for all of these players. There's a lot of competitive intensity in the large language model space and the broader AI ecosystem. It's certainly a very dynamic environment right now. Frazer (12:59)As investors are trying to access this, there are the public companies. You can go on your Fidelity account or talk to your advisor at BNY Mellon or anybody else and say, “I've heard about Anthropic or Google or all of these things.” As far as a good proxy for exposure, how do you think about that? For example, if I looked at Google and understand that they have underlying investments in their portfolio — in addition to their regular businesses — into these different scenarios, is that a way to get shorthand exposure? As opposed to trying to access a venture fund where the entry points are difficult, the hurdles are high, you need to write big checks, and access is gated? Kevin Shea (13:53)It's a very astute point when you mention circular financing. That doesn't just happen with public companies; a lot of these vendors and companies in this ecosystem are investing in private companies as well. When those private companies go public, you find out that Company XYZ is a top owner, and one of their suppliers. There has been a growing awareness that, with certain public companies, you have exposure to a handful of private companies. For BNY, our Fujio funds do a lot of our private investments. That's usually the best way to gain direct exposure. Frazer (15:37)Sure. Not to be flippant, but you're getting paid to own it at that point via their dividend, as opposed to you paying — at the SPV or LP level — to gain access to it. But yes, it's definitely not a pure play. I wouldn't buy Google just to be in a venture fund. And just to reiterate for listeners, this is not investment advice. We're trying to learn and talk through different types of scenarios. As you're thinking about this and looking at these different companies, what does a good management team look like? You'd think: a bunch of PhDs, great at coding, lots of experience in the venture community, maybe hung out in Silicon Valley. But everything is so new and dynamic. When you're evaluating these businesses, what does a good management team look like as they're trying to scale at warp speed, while profitability may or may not be a thing? Frazer (17:49)I'd add that I think there's an interesting component to AI Investing: a track record of what I would call thoughtful adaptation. When your business plan gets punched in the face and you're able to pivot — meaningfully pivot — I'm not talking about a dog food company suddenly putting “.ai” at the end of its name, but someone who can shift and take advantage of opportunities as they come up, as you say, without being so rigid in their vision that they end up getting lapped. I think that's an interesting facet to focus on. Frazer (20:50)When I try to get my arms around this, I bucket things in terms of: Disruption: blowing up something traditional Optimization: taking something that's already good and turning it into great World‑building: taking a vision, starting from zero, and building something that didn't exist before On that first point, what industries do you think are under attack, and how do you invest around that so you're not left holding the bag — you're not a buggy‑whip company as Tesla releases their next issue? Frazer (24:48)As an example, I run into all sorts of law firms and accounting firms, and I hear the comment that law firms are going away. I have a contrarian view. First, I think law has a wonderful ability to metastasize, to find issues, and I think AI is going to be great at finding those and keeping lawyers busy. Second, for lawyers who are good, I think the ability for AI to make them more efficient and help them graduate to even more detailed and “higher‑value” discussions will only increase. So when people say, “Law is going to be dead,” I don't really agree. I think that ties into your point that AI will help some companies that can adapt and use it well to drive further value, probably even charge more. For others, they'll be left behind or become cottage industries. Frazer (26:11)And there will be more and more issues to solve. I don't underestimate that. I think AI is going to start poking holes in different things we didn't think about. Then it will take good brainpower, made more efficient by AI, to deal with these new issues as they pop up. In your day‑to‑day job, what are you using AI for? Maybe through Bank of New York, and maybe informally, when you're doing other research — to be smart not only about the company areas, but what you're doing personally to be more efficient, take advantage of AI, and learn about cool stuff. Frazer (29:11)Cool stuff. How do people find Kevin Shea, and any final thoughts? Kevin (29:20) KEVIN SHEA on AI Investing Frazer (29:29)Terrific. Thanks for being on, and we'll be sure to stay in touch, as I'm sure everything will be completely different in not just six months — probably six weeks. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords: AI Investing

It's another entertaining and enlightening episode of BEHIND THE LENS thanks to co-writer/director ANTHONY FRITH and his documentary MOCKBUSTER. Now, MOCKBUSTER isn't your typical documentary. This is a documentary directed by Anthony Frith concurrently with his directing of an Asylum Studios B-movie classic, THE LAND THAT TIME FORGOT. I know you know The Asylum, the studio responsible for the SHARKNADO franchise and a few hundred other glorious B-movie genre gems that inevitably revolve around sharks, aliens, dinosaurs, Nazis, Russians, nukes, bad accents, vampires, zombies, and generally a take-off on known blockbusters by altering titles and scripts ever so slightly into what have become known as "Mockbusters." Enter Australian filmmaker ANTHONY FRITH. Anthony has an interesting background but has primarily made a living making corporate video shorts and PSAs like "how to grieve" video manuals, but has long dreamed of directing a feature film. One day, the light bulb went off, and he got the idea to reach out to The Asylum, asking to direct a film. As luck would have it, The Asylum had a movie for him to direct – THE LAND THAT TIME FORGOT. Terrific! But, Anthony has to adhere to The Asylum model – 6 days to film, there is no script yet, and we want it shot in Australia. Okay! But Anthony took things a step further. He saw comedic potential in documenting the process of making a film for The Asylum and spoke with David Latt, CEO and Head of Production, about his idea to shoot a documentary of the making of THE LAND THAT TIME FORGOT while he was shooting THE LAND THAT TIME FORGOT. Needless to say, Latt loved the idea and said go for it, which meant Anthony would be directing two films simultaneously – a documentary and a narrative, with the documentary capturing the entire Asylum process of B-movie filmmaking. Thus, MOCKBUSTER was born. MOCKBUSTER is a scream! And this conversation with Anthony is almost too much fun as Anthony and I dive into the logistics and challenges of directing two films concurrently. THE LAND THAT TIME FORGOT was financed entirely by The Asylum, while it was left to Anthony and his documentary producers to find financing for MOCKBUSTER. As you will hear, Anthony makes it clear that the two productions maintained separate budgets and did not overlap financially. They also had separate crews. http://eliasentertainmentnetwork.com

It's another entertaining and enlightening episode of BEHIND THE LENS thanks to co-writer/director ANTHONY FRITH and his documentary MOCKBUSTER. Now, MOCKBUSTER isn't your typical documentary. This is a documentary directed by Anthony Frith concurrently with his directing of an Asylum Studios B-movie classic, THE LAND THAT TIME FORGOT. I know you know The Asylum, the studio responsible for the SHARKNADO franchise and a few hundred other glorious B-movie genre gems that inevitably revolve around sharks, aliens, dinosaurs, Nazis, Russians, nukes, bad accents, vampires, zombies, and generally a take-off on known blockbusters by altering titles and scripts ever so slightly into what have become known as "Mockbusters." Enter Australian filmmaker ANTHONY FRITH. Anthony has an interesting background but has primarily made a living making corporate video shorts and PSAs like "how to grieve" video manuals, but has long dreamed of directing a feature film. One day, the light bulb went off, and he got the idea to reach out to The Asylum, asking to direct a film. As luck would have it, The Asylum had a movie for him to direct – THE LAND THAT TIME FORGOT. Terrific! But, Anthony has to adhere to The Asylum model – 6 days to film, there is no script yet, and we want it shot in Australia. Okay! But Anthony took things a step further. He saw comedic potential in documenting the process of making a film for The Asylum and spoke with David Latt, CEO and Head of Production, about his idea to shoot a documentary of the making of THE LAND THAT TIME FORGOT while he was shooting THE LAND THAT TIME FORGOT. Needless to say, Latt loved the idea and said go for it, which meant Anthony would be directing two films simultaneously – a documentary and a narrative, with the documentary capturing the entire Asylum process of B-movie filmmaking. Thus, MOCKBUSTER was born. MOCKBUSTER is a scream! And this conversation with Anthony is almost too much fun as Anthony and I dive into the logistics and challenges of directing two films concurrently. THE LAND THAT TIME FORGOT was financed entirely by The Asylum, while it was left to Anthony and his documentary producers to find financing for MOCKBUSTER. As you will hear, Anthony makes it clear that the two productions maintained separate budgets and did not overlap financially. They also had separate crews. http://eliasentertainmentnetwork.com

DC Studios is developing a mystery series centered on Mr. Terrific, with Edi Gathegi returning to the role he made a standout in Superman. In this episode of Geek Freaks Headlines, Frank breaks down why this is exactly the kind of move DC should be making, calling Mr. Terrific criminally underutilized and praising Gathegi's on-screen presence, from his intelligence and wisdom to his instantly memorable action moments.Frank also gets into the bigger picture: representation matters, and Mr. Terrific could be a landmark character as an autistic-coded hero whose mind is his greatest strength. Plus, after chatter about Supergirl's struggles, this announcement signals that James Gunn and Peter Safran are sticking to their plan of elevating niche characters instead of playing it safe with the Trinity. If Gunn could turn Guardians of the Galaxy into a household name, Mr. Terrific could be next.Timestamps:00:00 DC announces a Mr. Terrific mystery series with Edi Gathegi returning00:15 Why Mr. Terrific stole scenes in Superman00:31 Autistic-coded representation and why it matters00:59 The Gunn and Safran plan: betting on niche characters over playing it safe01:30 Final thoughts and why this character can be a household nameKey Takeaways:DC is developing a mystery series built around Mr. Terrific, with Edi Gathegi reprising his Superman role.Frank believes Mr. Terrific has been criminally underutilized and proved his screen appeal in Superman.The character reads as autistic coded, and a hero whose neurodivergence is a strength could be groundbreaking representation.This announcement suggests DC is not retreating to safe Trinity-only projects after Supergirl's mixed reception.James Gunn has a proven track record of turning lesser-known characters like the Guardians of the Galaxy into global icons.Memorable Quotes:"I personally think he's criminally underutilized.""If you could show a superhero who's autistic and not held back by that in any way, matter of fact, I'd argue, was a strength of his. Let's give them a damn TV show.""James Gunn is well known for taking those super niche outside characters and making them a household name."Call to Action:Love where DC is headed? Subscribe to Geek Freaks Headlines so you never miss a story, leave us a review on Apple Podcasts, and share this episode with a fellow DC fan using #DCStudios #MrTerrific #SupermanStay Connected:For all the latest geek news, head to https://geekfreakspodcast.com/Follow us:Facebook: https://www.facebook.com/thegeekfreakspodcastThreads: https://www.threads.net/@geekfreakspodcastPatreon: https://www.patreon.com/GeekFreakspodcastListener Questions:What do you think of a Mr. Terrific series? Is this the right character for DC to bet on next? Send us your thoughts and we might feature them in a future episode!Apple Podcast Tags:Mr. Terrific, DC Studios, James Gunn, Edi Gathegi, Superman, DC series, DCU, Peter Safran, DC news, comic book news, superhero TV shows, HBO Max, Mister Terrific series, geek news, Geek Freaks Headlines, DC Universe, autistic representation, superhero news, Supergirl, Guardians of the Galaxy

Before the internet and the ubiquity of social media influencers, there was Robin Byrd – the spirited, anything-goes New York City public access host, clad only in her signature black crochet bikini. From 1977 to 1998, Robin created, produced, and hosted the late-night call-in show that incorporated performances and interviews with adult entertainers and experimental artists. Each show ended with a bawdy song and dance, turning her unapologetic, eponymous show into a national platform for sex-positivity, safe-sex/AIDS awareness, and free speech. BANG MY BOX: THE ROBIN BYRD STORY is a new documentary which just premiered at the Tribeca Film Festival and debuted this week on HBO and HBO Max. And I'm thrilled to chat with the filmmakers Jyllian Gunther and Stephanie Schwam about Robin's life and career and their terrific doc, which they co-wrote, co-directed and co-produced, Some background on the filmmakers: Stephanie's expertise in non-fiction storytelling runs the gamut from meaty, one-off, news-based docs, to emotional cinema verite, to straight up formatted reality TV. Her shows have been nominated for multiple GLAAD, Critic's Choice, and Emmy awards. Jyllian is an Emmy Award–winning filmmaker working across film, television, and audio. Her work explores love, loss, and memory, with a keen interest in stories of young people building their futures and older people making sense of their past. She is known for drawing comedic, heartfelt characters with distinct voices. Got somethin' to say?! Email us at BackroomAndy@gmail.com Leave us a message: 845-307-7446 Twitter: @AndyOstroy Produced by Andy Ostroy, Matty Rosenberg, and Jennifer Hammoud @ Radio Free Rhiniecliff Design by Cricket Lengyel

Robert Stone is a critically acclaimed, multi-award winning documentary filmmaker. He is an Oscar nominee for Best Feature Documentary and a three-time Emmy nominee for Outstanding Achievement in Documentary Filmmaking. Four of his films have premiered at the Sundance Film Festival, including Closing Night Film. His recent 6-hour epic history of the effort to land a man on the Moon, Chasing the Moon, won the prestigious DuPont Columbia Award and was seen by 8 million viewers in the United States alone and was broadcast in 13 foreign countries. Over the span of his 40 year career, his work has been broadcast worldwide and screened and honored at countless film festivals. Film critic Owen Gleiberman has called Stone “one of our most important documentarians” having directed “two of the most explosively insightful documentaries of the last decade.” Robert joins me to discuss his terrific 2004 documentary GUERRILLA: THE TAKING OF PATTY HEARST, which has a special screening and Q&A at Upstate Films in Rhinebeck, NY on Wednesday July 1 at 7pm. Got somethin' to say?! Email us at BackroomAndy@gmail.com Leave us a message: 845-307-7446 Twitter: @AndyOstroy Produced by Andy Ostroy, Matty Rosenberg, and Jennifer Hammoud @ Radio Free Rhiniecliff Design by Cricket Lengyel

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

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

Adam revisits James Gunn's Superman one year after its release and looks at how it holds up as DC heads toward Supergirl. We discuss why the movie's relentlessly positive take on Superman works, why the character needed to be rebuilt before being deconstructed, and how David Corenswet's Superman fits into a modern, complicated world without losing the “big blue boy scout” core. Adam also talks through the film's weaker third act, the Superman clone problem, the hypno-glasses explanation, and the standout Mr. Terrific sequence. From there, the discussion shifts to DC Studios' bigger issue: the messy selective continuity left behind by The Suicide Squad, Peacemaker, Amanda Waller, Rick Flag, Harley Quinn, and the old DCEU baggage James Gunn's reboot still has not fully escaped.

We are back in Studio B for another episode of the podcast. All the main…

A Saturday game in May can be both an inconsequential checkmark in a season and a game that can be looked back on as a captivating moment in history. It's impossible to look back at 1972 and ignore the first players' strike that disrupted the first two weeks of the season. Spring training was curtailed, and both hitters and pitchers are still struggling with timing in May. 86 games were wiped from the schedules, never to be rescheduled. The Padres will end up playing just 153 games, while the Mets will play 156.Also looking to find his way in the season is Mets manager, Yogi Berra. Following the sudden passing of Gil Hodges, Berra is finding his feet and beginning to understand the core of the Mets' line-up. It's an intense spotlight that will shine brightly on him during the 1972 season, as the Mets finish a credible third. That core would head into 1973 ready to claim the National League pennant.The biggest name in the Mets' line-up is surely Tom Seaver. He has already posted two 20-win seasons (with 25 wins in 1969 and an on-the-nose 20 wins in 1971) and has a Cy Young to his name. Facing him was seen as a near-automatic loss. Not only that, but his record against the San Diego Padres is even more impressive. In terms of overpowering presence, he's less Mr Terrific and more Mr Terrifying.Can the Padres, with rookie pitcher Bill Grief, hurl the ball and swing the bat to find some magic?Ewan Spence and the Classic Baseball Radio team bring you this recreated radio broadcast from May 6, 1972. This should not be considered a complete or fully accurate historical record. Nevertheless, this is our story of the game.We thank Retrosheet, Sports Reference, Sports Logos Net, Tom R Audio, and  Crafting The Call.** Links **You can find the boxscore here:https://www.baseball-reference.com/boxes/NYN/NYN197205060.shtml A deep look at the legendary life and career of Tom Seaver, detailing his journey from Fresno, California, to his status as the premier pitcher of his generation.  https://sabr.org/bioproj/person/tom-seaver/Why is Tom Seaver the undisputed Franchise player of the Mets, and how does he compare to other players?https://sny.tv/articles/mets-all-time-team-26-manProfiling Bill Grief, the durable 6'5" right-handed Texas native who out-duelled Seaver on this afternoon, examining his high-strikeout velocity and post-baseball academic achievements.  https://sabr.org/bioproj/person/bill-greif/A tribute to Nate Colbert, the Padres' first true superstar, recounting his 163 franchise home runs and his devotion to youth ministry.https://www.mlb.com/news/nate-colbert-diesAn account of the sudden passing of Mets manager Gil Hodges just days before the delayed 1972 season, detailing how a grief-stricken clubhouse transitioned under Yogi Berra's leadership.http://www.centerfieldmaz.com/2020/04/remembering-mets-history-1972-mets.htmlYogi Berra's 1972 Hall of Fame Induction, including context for his managing duties with the 1972 Mets. https://baseballhall.org/discover/inside-pitch/berra-koufax-inducted-amid-star-studded-class-of-1972The history of the youth-heavy Padres rosters, Buzzie Bavasi's ticket-promotion strategies, and the physical toll of injuries on the 1972 rotationhttps://eastvillagetimes.com/the-history-of-the-san-diego-padres-volume-1-1969-1973/2/.  A comprehensive breakdown of the historic 13-day player strike in April 1972, analysing how it changed labour relations and shortened the schedule.https://sabr.org/journal/article/the-strike-of-1972-when-cooperation-failed/How the 1972 player strike served as Marvin Miller's first monumental victory, earning players pension increases and third-party salary arbitration.https://blogs.fangraphs.com/marvin-millers-legacy-and-the-decline-of-labor/

Pop culture is completely saturated with capes, cowls, and multi-million-dollar cinematic universes—but let's be honest, not every hero deserves a spot on the roster. This week, the crew dives deep into the comic book vault to weed out the worst of the worst in an episode they're calling "Super Heroes We Can Do Without." Join Our Patreon: http://patreon.com/vvclifeGrab Some Gear: http://vvcmerch.comGeneral TalkWeekly Recap Sign Up For PatreonBNP TourBaldur's Gate 3 Session 20 at 8pm!Monday Night Co Op “Operation Tango!!Vote For New GameThursday Morning @9am Anime Watch on our Patreon With Fame & Friday Morning at 9am on TikTok & Twitch as he plays Resident Evil 8 The Precious: JS-1: https://amzn.to/4uGJsOVFame: https://a.co/d/04gctW4FJaelyn: https://a.co/d/07KeGvKRSloan: https://animeape.com/product/hogwarts-legacy-slytherin-harry-potter-varsity-jacket/Commercial #1Main Topic:From multi-billionaires who choose to beat up petty criminals instead of funding community social programs, to heroes with powers so useless or bizarre they make you wonder how they ever got past an editorial board (looking at you, Arm-Fall-Off-Boy and Section 8), no one is safe.The team breaks down:The Overrated Icons: Why certain A-list heroes have overstayed their welcome, and how their repetitive storylines are causing severe "superhero fatigue" in theaters.The Problematic Favs: A look back at legacy characters with origins or gimmicks that have not aged well, examining how outdated tropes and tokenization still plague the comic book industry.The "Could-Be" Greats: Which heroes have incredible potential but are consistently ruined by bad writing, terrible reboots, or corporate mismanagement?Grab your headphones as the crew matches their signature blend of unfiltered comedy, sharp critique, and deep Blerd culture knowledge against the comic book elite. It's time to separate the true legends from the heroes who desperately need to hang up the tights for good.What superhero do you think we can do without? Hit us up in the comments and let us know!Commercial: #2Games:Anra Demon CoreYou are the monsterStar Trek GameOmen of Cthulhu News: Countries that have solved problems!X-Box turn aroundGet Graduation GiftsSpace X IPONew Nerd OrderTin Foil Hat: The Aliens are coming?Comic Of The week: Mr TerrificInstagram:  http://instagram.com/blacknerdpodcast  facebook:   http://facebook.com/blacknerdpodcastReddit: https://www.reddit.com/r/blacknerdgang/s/uftLsO0Ad9website: http://blacknerdpodcast.comhttp://twitter.com/vvcradio   http://instagram.com/js1thasupplier  http://instagram.com/fameplanbhttp://instagram.com/jaelynaleisehttp://instagram.com/sloan_tempest

Paulie & Tony tell you why this so-called "historic" Game 4 of the Knicks-Spurs NBA Finals was TERRIBLE, and how these Knicks are RUINING their team's proud reputation. Then they bring on "Nerd Sesh" hosts Logan Camden and Carson Breber (or Carosn, we're still not sure) -- to give these young bucks their biggest platform ever -- but they are so RUDE and UNGRATEFUL and lack such an understanding of sports that Paulie and Tony have no choice but to teach these youth a lesson and KICK THEM OFF THE SHOW. Rate and review the pod 5-stars on Apple Podcasts bro Shop merch store HERE bro and get TERRIFIC products.See omnystudio.com/listener for privacy information.

Paulie & Tony tell you why this so-called "historic" Game 4 of the Knicks-Spurs NBA Finals was TERRIBLE, and how these Knicks are RUINING their team's proud reputation. Then they bring on "Nerd Sesh" hosts Logan Camden and Carson Breber (or Carosn, we're still not sure) -- to give these young bucks their biggest platform ever -- but they are so RUDE and UNGRATEFUL and lack such an understanding of sports that Paulie and Tony have no choice but to teach these youth a lesson and KICK THEM OFF THE SHOW. Rate and review the pod 5-stars on Apple Podcasts bro Shop merch store HERE bro and get TERRIFIC products.See omnystudio.com/listener for privacy information.

Good morning, Store Nation.   Welcome to the Hacking Self Storage podcast.   Im your host, Dean Booty. Today, we're talking about our weekly figures, including quotes, reservations, move-ins, occupancy, and revenue across all our sites. I also share what's been happening behind the scenes, why last week was a difficult one for our family, and the lessons that come with balancing business and life. Hope you enjoy this episode. Give it a listen.   Mr Self Storage Newsletter: https://www.mrselfstorage.com/   Mr Self Storage YouTube: https://www.youtube.com/@mrselfstoragedotcom

While on a brief visit to see two of our grandsons and a side trip to Arkansas, I had the chance to watch a few exceptional college softball and baseball games along with a very tense Game 7 NBA Western Conference final. It’s time to enjoy the next couple of weeks as the window is quickly closing on the seasons for these three sports. This year’s NBA Finals began Wednesday night. The surprising San Antonio Spurs and streaking New York Knicks began their best-of-seven title series.  New York came into Game 1 with an 11-game playoff winning streak. The Knicks left the Spurs’ home arena Wednesday night with a 12-game playoff winning streak. The Women’s College World Series softball best-of three finale also got underway Wednesday night in Oklahoma City.  Last weekend, Texas Tech’s never-say-die Red Raiders had to fight back from the brink of elimination twice to defeat #1 seed Alabama just to reach the finals. They will now get a chance to do that once again on Thursday night and, perhaps, on Friday night. That’s because Texas Tech lost to intrastate rival Texas 7-3 in the opening game of the best of three final series.  Texas is the defending national champion. On the men’s side of college bats and balls, this week marks the Super Regional round for the NCAA college baseball season. Eight winners from this weekend’s best-of-three weekend series will advance into the College World Series in Omaha, Nebraska next week.  There were a number of surprising winners and losers during last week’s opening round. New York’s Amazin’ Knicks have now won 12 straight playoff games! San Antonio Spurs 7’4” center Victor Wembanyama is ending his third NBA season.  Much like Hall-of-Famer Shaquille O’Neal (who, by the way, played his high school basketball in San Antonio), Wemby just led his team into the NBA Finals.  He is now being hailed as the top big man in the NBA. The 5-time NBA champion Spurs are much more than just a one-man show.  They utilize their bench as well as any NBA team and play solid defense for the entire 48-minute game. The New York Knicks are seeking their first NBA title since 1973. To say that New York sports fans are hungry for a title is a huge understatement. “The City that Never Sleeps” is in the midst of a rather lengthy championship drought.  Eli Manning’s New York Giants football last won a Super Bowl title in 2011.  Baseball’s New York Yankees haven’t won the World Series since 2009.  The crosstown rival New York Mets haven’t claimed a baseball title since 1986.  Broadway Joe Namath was the quarterback for football’s New York Jets in their only Super Bowl victory in 1969. NBA’s New York Knicks came into the playoffs as the #3 Eastern Conference seed behind Detroit and Boston.  After losing two of its first three playoff games to Atlanta in Round 1, the Knicks won the final three games to advance.  They would sweep #5 seed Philadelphia and #4 Cleveland in eight straight wins to claim the NBA Eastern Conference title. San Antonio is playing in the NBA Finals for the first time since June, 2014. The path to the championship round has been increasingly difficult for the Spurs.  San Antonio (the #2 seed in the Western Conference) needed just five games to dispatch the Portland Trailblazers in five games.  It then took six games for San Antonio to subdue the Minnesota Timberwolves.  Last weekend, the Spurs required a full seven games to win a tense Game 7 battle against the defending NBA champion Oklahoma City Thunder. Wednesday night’s Game 1 in San Antonio was won by the New York Knicks 105-95 in a game which was much closer than the final score reflected.  The veteran Knicks scored the last 11 points to end the game.  New York stepped-up in the final quarter to score 29 points as the younger Spurs tallied only 19 over the last 12 minutes. New York’s Villanova connection featured guards Jalen Brunson (30 points) and Josh Hart (an incredible 15 rebounds) leading a fourth quarter rally to give the Knicks their 12th consecutive playoff victory. As a result, San Antonio lost its home court advantage after that Game 1 loss.  ABC will televise Game #2 at 7:30PM Friday night from San Antonio.  The series moves to New York’s Madison Square Garden for Games 3 and 4 on Monday and Wednesday next week. Make sure to stick around for the post-game coverage on ESPN. The award-winning “Inside the NBA” show features NBA legends Charles Barkley, Kenny Smith, and Shaquille O’Neal breaking down the action along with host Ernie Johnson.  You never know what’s going to happen. Meanwhile, in Oklahoma City… The Women’s College World Series best-of-three finals began Wednesday night. Defending national champion Texas (52-12) defeated Texas Tech 7-3 in Game 1. The Red Raiders fell to 61-9 and are on the verge of elimination once again.  They have become quite familiar with this position over the past several days in Oklahoma City. The #11 seeded Red Raiders rallied for two runs in the top of the ninth inning on Sunday to vanquish #8 national seed UCLA 8-7.  On Monday, Texas Tech had to defeat #1 seed Alabama twice to earn a spot in the championship finals. The Red Raiders won the opener 5-4 over Bama by scoring a run in the bottom of the 7th inning.  They also grabbed the second game 2-0 on a two-hit pitching gem by two-time college player-of-the-year NiJari Canady to earn a spot in the finals. The second seeded Texas Longhorns didn’t have an easy road into the Women’s College World Series finals, either. They had to defeat #7 Tennessee Volunteers twice on Monday to advance.  Texas won the opener 5-2 and then shut-out Tennessee 4-0 later in the afternoon to advance to the championship round. The Longhorns and Red Raiders competed for the Women’s College World Series championship last year as well.  Texas Tech is trying to avenge last year’s loss to Texas in the best-of-three title series. Game 2 will be played Thursday at 7PM on ESPN.  A deciding Game 3, if necessary, will be played Friday night at 7PM on ESPN. What happened to the top seeds in the men’s college baseball tournament? UCLA had been ranked #1 in college baseball all season long. The Bruins were 51-6 heading into the opening round of the NCAA college baseball playoffs.  They faced #4 regional seed St. Mary’s (35-25) in their opening playoff game at home last Friday. The Gaels scored a run in the top of the ninth inning to shock UCLA 3-2.  On Saturday, UCLA had to score three times in the bottom of the ninth to take a 6-5 win and stay alive against 30-26 Virginia Tech. St. Mary’s and UCLA were matched again on Sunday.  This time, the Gaels scored a run in the bottom of the 10th inning to end UCLA’s season with a 6-5 win. Ironically, St. Mary’s was eliminated on Sunday 5-2 by the Cal-Poly Mustangs of San Luis Obispo.  Go figure. It wasn’t any better for #2 national seed Georgia Tech The 50-10 Yellow Jackets were playing at home in Atlanta and trying to advance into the Super Regional round for the first time in 20 years.  Georgia Tech would have hosted a Super Regional this weekend – if only they had won their own opening round regional. The Oklahoma Sooners rallied in consecutive games to dispatch the heavily favored hometown Yellow Jackets to advance into this weekend’s Super Regional to be played in…Kansas? Kansas has rarely been known for its baseball prowess. This year’s baseball Jayhawks are now 45-16 after winning its opening round of games.  KU will host Oklahoma Saturday in the Lawrence, Kansas Super Regional.  The Jayhawks have made it into only one College World Series (1993) in the school’s long history. Kansas plays baseball in relatively small Hoglund Ballpark.  This stadium features just 2,500 permanent seats.  The school recently took down the left field wall and installed a chain link fence.  That allows about 1,000 additional fans to stand or sit in their own lawn chairs in “The Backyard” to watch Kansas baseball games. Expect ticket prices in Lawrence, Kansas to be sky high for this weekend’s Super Regional. Did you pick the Trojans to make it into the Super Regionals? Last weekend, there were the Trojans from the University of Southern California, the Troy Trojans of the Sun Belt Conference, and the Little Rock Trojans from the Ohio Valley Conference. Incredibly, all three of these Trojans baseball teams will be part of the 16 squads competing in the second round “Super Regional” college playoff games this weekend. At least one Trojans team is guaranteed a spot in Omaha at the College World Series next week.  The 36-30 Troy Trojans will host the Little Rock Trojans (39-26) at 4PM Friday on ESPNU.  Troy shocked #5 national seed Florida 10-2 in the final game of the Gainesville Regional last week.  Little Rock won the Hattiesburg Regional after #9 seed Southern Miss was sent packing after two consecutive losses. The USC Trojans (47-16) will travel across the country to play at the University of North Carolina (48-11-1) on Friday at 2PM CDT on ESPN2. Here are all eight Super Regional match-ups (first game starting times are CDT) Friday’s Opening Games: Morgantown – Cal Poly (39-22) at #16 seed West Virginia (43-15) at 11AM on ESPN2 Chapel Hill – USC (47-16) at #5 North Carolina (48-11-1) at 2PM on ESPN2 Troy – Little Rock (39-26) at Troy (36-30) at 4PM on ESPNU Auburn – Ole Miss (39-21) at #4 Auburn (42-20) at 7PM on ESPN2 Saturday’s Opening Games: Athens – #14 seed Mississippi State (43-17) at #3 Georgia (49-12) at 10AM on ESPN Lawrence – Oklahoma (36-22) at #15 Kansas (45-16) at 1PM on ESPN Austin – #11 Oregon (43-16) at #6 Texas (43-13) at 7PM on ESPN Tuscaloosa – St. John’s (36-24) at #7 Alabama (40-19) at 8PM on ESPN2 The post Enjoy A Week filled with Terrific Games! appeared first on SwampSwamiSports.com.

Danielle Crittenden is a journalist, author, and former host of the The Femsplainers Podcast and Substack, known for her incisive commentary on women and modern life. Her work has appeared in The Wall Street Journal, The New York Times, The Washington Post, The Atlantic, and more. She is the author of five books, including What Our Mothers Didn't Tell Us: Why Happiness Eludes the Modern Woman, and her new memoir, Dispatches from Grief: A Mother's Journey Through the Unthinkable, which chronicles the sudden loss of her 32-year-old daughter Miranda in 2024, and the two interminable years of pain, love, and life since then. Losing a child is a parent's worst nightmare. Danielle joins me to discuss her terrific new book and the profound grief journey she and her family have been navigating following Miranda's death. It's a raw, honest and at times humorous conversation. Got somethin' to say?! Email us at BackroomAndy@gmail.com Leave us a message: 845-307-7446 Twitter: @AndyOstroy Produced by Andy Ostroy, Matty Rosenberg, and Jennifer Hammoud @ Radio Free Rhiniecliff Design by Cricket Lengyel

Perfect Peter gets the teenage treatment when he spends the weekend with Great Aunt Greta while Henry's battling for the prize of Brainbox of the Year! Welcome to my very own podcast! In each episode, I'll be telling you a story from my life. Don't forget to subscribe so you never miss an episode - https://www.youtube.com/@HorridHenrysStories?sub_confirmation=1   Listen to my music on YouTube - https://www.youtube.com/@HorridHenryandtheKillerBoyRats  Horrid Henry Website - https://horridhenry.me/ Horrid Henry Shop - https://shop.horridhenry.me/ #horridhenry #podcastforkids #horridhenrypodcast #horridhenrystory  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jonathan W. Jordan is a historian and an award-winning author of five books, including the New York Times bestseller Brothers, Rivals, Victors: Eisenhower, Patton, Bradley, and the Partnership That Drove the Allied Conquest in Europe. He is a regular book critic for The Wall Street Journal and the author of nearly two dozen articles appearing in MHQ: The Quarterly Journal of Military History, World War II magazine, Military History, and World War II History magazine. He has made numerous live, televised, podcast, and radio appearances. Jonathan joins me to discuss his terrific new book, IKE AND WINSTON: World War, Cold War, and an Extraordinary Friendship, and how the events and leadership of that era can be applied to the current international political landscape. Got somethin' to say?! Email us at BackroomAndy@gmail.com Leave us a message: 845-307-7446. Twitter: @AndyOstroy Produced by Andy Ostroy, Matty Rosenberg, and Jennifer Hammoud Design by Cricket Lengyel

The Magician Terrific Power Terrific Responsibility Learn more about your ad choices. Visit megaphone.fm/adchoices

Pastor Vince teaches from Psalm 124. The post If – God's So Terrific! appeared first on Immanuel Baptist Church.

A clumsy dinosaur learns that just because he's big and strong doesn't mean he has to be scary! Hear how Rex learns to use his giant body to do all sorts of things to help others!The lesson: Use what's special about you to help others.⁠⁠⁠⁠⁠⁠Subscribe on Spotify!⁠⁠⁠⁠⁠⁠⁠⁠⁠Support me by buying Dad's Favorite Coloring Book on Amazon

Do you use your phone to send text messages? According to statistics, around 80% of Americans do. Those text messages are often sent to family, friends, and co-workers. And now, more than ever, millions of children also carry a smart phone.If you've decided to provide your son a phone, make sure he uses it responsibly. But in addition to that, use text messaging as a way to connect with him. If you're out of town during one of his sporting events or other activities, send a quick text:Hey buddy. You're in my thoughts and prayers. Just want you to know that I'm so proud of you!A text message doesn't take long to type, but the encouragement it provides lasts for days.For more encouragement and parenting advice, visit Trail Life USA or RaisingGodlyBoys.com.

Our guests are Seinfeld writers, Seinfeld actors and actresses and Seinfeld crew. We also welcome well-known Seinfeld fans from all walks of life including authors, entertainers, and TV & Radio personalities. We analyze Seinfeld and breakdown the show with an honest insight. We rank every Seinfeld episode and compare Seinfeld seasons. If you are a fan of Seinfeld, television history, sitcoms, acting, comedy or entertainment, this is the place for you. Do us a solid, support the Podcast  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.paypal.com/donate/?hosted_button_id=B939KP43626H4Official⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠         Do us a solid, support the Podcast Use code THIRSTY for 10% off awesome Golf Apparel at ⁠⁠⁠⁠flopshotgolfer.com/THIRSTY⁠⁠⁠⁠ Website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.seinfeldpodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ iTunes:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://apple.co/2RGC89m⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spotify:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://spoti.fi/3tqDVh6⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Social:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/ThisThirsty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/ThisThirsty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thisthirsty/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"This Podcast Is Making Me Thirsty" is The #1 Destination For "Seinfeld" fans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sam Amick of The Athletic discusses the Warriors' thrilling win over the Clippers in the 10-9 play-in game.We also touch on the Clippers' season, Kawhi Leonard's future, and the NBA's expansion plans.See omnystudio.com/listener for privacy information.

BRADY WELLER discusses the intricacies of QSBS rollovers, including eligibility, timing, and strategic planning for founders and investors. The goal is to help the listener maximize tax benefits and navigate the legal complexities of this powerful tool. https://youtu.be/gvQ0ZskvWVI QSBS, tax exemption, startup founders, rollover, legal structuring, investment strategy, tax planning, startup exit, C corporation, Key Topics QSBS eligibility and benefits Challenges in executing rollovers Legal and tax considerations for founders Timing and risk management in rollovers Strategic structuring for maximum benefit “QSBS ROLLOVERS” Sound Bites “60 days is a very short window for founders.” “Rollover continues your holding period clock.” “Partial rollovers are common for founders.” Chapters 00:00 Understanding QSBS and Its Benefits 03:07 Challenges for Founders in QSBS Compliance 05:54 Advising Founders on QSBS Rollovers 08:57 Structuring New Ventures for QSBS Eligibility 12:00 Navigating QSBS for Tech and Non-Tech Founders 14:54 Investor Considerations in QSBS Transactions 17:46 State-Specific QSBS Regulations and Planning 20:57 Future of QSBS and Strategic Planning Resources Brady Weller on LinkedIn qsbsrollover.com qsbsreference.com Frazer Rice and Michael Arlein discuss the nuts and bolts of 1202 QSBS Features for Founders Guest links LinkedIn Transcript Frazer Rice (00:01.314)Welcome aboard, Brady. Brady Weller (QSBS Rollover) (00:03.043)Hey, Frazer, thanks for having me. Frazer Rice (00:04.738)Well, you are the nice compliment to a piece I just did with Michael Arlene on QSBS. We covered some of the nuts and bolts around 1202. You come at it from a little bit different angle. It’s usually where people, founders especially, have issues sort of complying with things like the three and five year rule. And otherwise really maximizing the capability of the rollover and the tax significance for it. Tell us a little bit about who benefits and what you do here. Brady Weller (QSBS Rollover) (00:35.107)Yeah, QSBS is. by far the biggest tax exemption available to individual taxpayers in the U.S. So it’s been something that hasn’t been up. I should say there’s not a massive advisory network around it. So it’s not something that’s been taken advantage of, I think, to its full scope. Michael, who you had on recently, is a top trust and estate planner for founders of companies around QSBS. The specific problem that QSBS rollover solve is for a shareholder of an early stage company. Most often founders or very early investors, say, maybe series A or earlier shareholders. It’s an incentive to basically hold your stock for a quote unquote long time. In this sense, that means, you know, now under some new rules, basically three to five plus years. It’s a tax exemption available to folks who hold their stock for at least five years. Then they can exclude from federal income tax now up to $15 million of gains when they sell that stock. So you have to be a shareholder in an early stage C corporation, early stage company. Frazer Rice (01:50.616).Those founders before three to five years are trying to figure out how to use this tool. What are the challenges in making sure they don’t blow up the transaction by transferring something poorly. Or having their company grow too large or have too much cash or those types of things? Maybe list out a little bit some of the challenges that are out there that that a founder needs to be aware of. Brady Weller (QSBS Rollover) (02:22.509).Yeah. So we don’t have to constantly caveat. I’ll mainly talk as though we’re speaking about the pre July 5th, 2025 rules for QSPS. Anything, any stock issued after that date, middle of last year. is under a slightly different set of rules. They are more expanded rules, but I’ll speak to this sort of from those old rules. And so the old rules state that you have to hold your stock for at least five years. And if you do, you can exclude a large portion from federal income tax, usually $10 million for founders. But if you don’t hold the stock for five years, your only option is to take the cash from that sale. For example, say you sell stock at year three or year four, and purchase new QSBS eligible stock with that cash within 60 days. So it’s sort of like the 1031 exchange. Folks maybe are more familiar with real estate property exchanges. Its sort of like a 1031 exchange for stock. So you take the cash and you purchase a like kind quote unquote asset with it. Now the challenge with that is 60 days is not a very long time. And when you’re a founder of a company who just went through liquidity. You just got your deal done and the whirlwind that that is. Now you’re dealing maybe in a post liquidity world. You’re maybe running another team at the acquirer or you’re otherwise involved. 60 days is not a long time to be able to find and diligence a new opportunity. . It’s just not feasible. Especially for founders to use that cash to say buy stock in someone else’s company. It just doesn’t make sense. Like risk adjusted, I suppose. Frazer Rice (04:05.579)No, it’s a miracle that your company did great. Now you have to go and find another miracle and make it work within 60 days. It’s crazy. Brady Weller (QSBS Rollover) (04:10.143).That that’s the biggest that’s probably the biggest barrier to executing them. For the longest time there just weren’t a lot of people. They hadn’t come alongside founders to help advise them on structured ways that they could do these rollovers. Yeah, the options are risky. It’s like take your money and invest it in Dave’s startup in San Francisco. He’s going to lose your money. So that may be what you want to do with that money. To keep your risk profile sort of moving. But that’s not tax planning in any way. Right. To make that decision just to save on federal income tax might not be the best way to use your rollover. So we’ve seen it much more for angel investors, something that they might use. People who want to maybe have a lot of deal flow. A lot of investment opportunities in front of them. But they want to keep that risk profile moving. I’d say timing and risk are the two biggest challenges when you’re trying to execute a rollover. Frazer Rice (05:13.805).As a detail on that, you’ve got your company. You’ve got $10 million coming to you. Hopefully tax free, similar to a 1031. You don’t have to go into one company, you could go into a basket of companies. Brady Weller (QSBS Rollover) (05:28.579).Yeah, you could take the cash, say you make $10 million from a sale. You could pay taxes on $3 million of it, assuming you haven’t hit your five year requirement. Then, you could roll over the other seven in various other deals. You could put it all into one new company. What the rollover actually does is it continues your holding period clock from the last stock. So if you held for three years in your original company stock, You sell. You’re able to reinvest those proceeds within 60 days. It continues your holding period. Once you’re beyond a combined five the next liquidity event in the second company. Now you have proper seasoning on your shares, for lack of a better word, and then you can sell them under the QSPS exemption. Frazer Rice (06:17.143)So, this gets to what you do on a day-to-day basis. So a founder comes to you and says, all right, I’ve got this situation I think that’s coming. And I need some advice. You’re sort of letting them know what’s happening here. How do you advise them, in a sense, whether it’s through your company or even as a general matter? Do you have a suite of other founders and companies that are out there? And then… Maybe also similar to a 1031, is there sort of an intermediary function that needs to happen in order for the asset or the cash to go into sort of a, for lack of word, like an escrow account to then be deployed correctly into the eligible next company so that you keep that period going. Brady Weller (QSBS Rollover) (06:50.713)Boom. Brady Weller (QSBS Rollover) (07:05.839)That’s a good question. It’s not as formalized as the, you know, in terms of the 1031 world where there’s sort of a designated intermediary and that’s sort of required step in the process. This is very much the wire goes into your checking account for the sale of company A stock. Frazer Rice (07:11.703)Mm-hmm. Brady Weller (QSBS Rollover) (07:22.281)You send a wire back out to purchase stock in company B. When someone comes to us and is looking for guidance on how to do a rollover, sometimes they’ve talked to tax or trust in state attorneys already, or maybe they’re CPA. And there are maybe 50 folks in the US who have, I’d say, Frazer Rice (07:37.463)Sure. Brady Weller (QSBS Rollover) (07:45.07)I call it advanced QSPS planning knowledge, which is they have the trust planning strategies, rollover knowledge, all of these things that sort of at their disposal that they can speak to, but it’s a very small network. so our firm is actually the only non-CPA non-law firm in the country that deals directly with founders on these. And so we ended up kind of playing quarterback, connecting them with the right attorneys, maybe the right CPA, if they don’t have one to make sure that the team is sort of assembled. You know, because the risk profile of taking your money and investing in someone else’s company typically doesn’t align with most founders’ interests at that time, the service that we provide is helping them to roll that money into a new startup of their own. We think these founder-led rollovers where the founder or the shareholder who sold their original stock can now direct the proceeds into a new entity that they own and control. It’s a really great way to execute this. It gives the shareholder, the founder the optimal amount of flexibility and control over the proceeds over time. So they can handle their own risk profile. Frazer Rice (08:57.921)So for the founder who built their business originally, they sell it and you’re sort of with them along the way to roll it over into another founder led situation. Are there any mechanics that you help with to sort of ensure that that takes place correctly? There’s so many, it seems like so many tiger traps along the way that you can stick your foot in and you did every, your intent was there, but maybe you did something weird or incorrect. Brady Weller (QSBS Rollover) (09:26.617)Yeah. Frazer Rice (09:26.721)Maybe a better way to ask this question is what are the things in that receiving new QSBS rollover do you want to see or a founder should make sure they have in place before they go ahead and pull the trigger? Brady Weller (QSBS Rollover) (09:41.904)We want to make sure it’s a C corporation. First of all, a lot of times when founders start their first companies, they just, you know, incorporate an LLC somewhere and start doing business. A lot of times there’s not even, maybe there’s, you know, two or $3,000 transferred to a checking account, you know, from their personal to their checking. That’s how you start most businesses. But when you’re, when you’re starting a rollover business, we have to see a couple other things. One is we want to make sure it’s a C corp from day one. Frazer Rice (09:58.989)Right. Brady Weller (QSBS Rollover) (10:09.123)You know, it’s okay if it’s a single owner C Corp where the founders, the, you know, only board member, only director. It’s, you know, it’s your entity. That’s fine. but we also want to see a purchase agreement, some kind of stock purchase agreement. So you can’t just transfer money from your chase savings account where the wire landed to the new business account and, know, go on about, about the business. we want to see a stock purchase agreement. And so some of those agreements, and the optimal way to do those for sort of the, the, the long run. Sometimes, we would obviously we have our template docs in ways that we might advise to do it. But very often we refer that out to legal counsel and coordinate there to make sure that just all the purchase agreements and governance docs and those types of things are in a good place. You know, it’s really making sure we have the purchase agreements and that the money gets moved to the corporate bank account, the new business bank account within 60 days. It’s really not a long period of time. And we run into a lot of situations where If someone’s not kind of quarterbacking the process, deadlines get away quickly and then administrative issues with a bank might push you beyond the 60 day window. We’ve seen that a few times and it can obviously cost you a lot of money. Frazer Rice (11:24.468)The, when you get to a point where the next business that this is going into, often the qualifications of being a QSBS eligible business can be a little bit murky. I’m thinking healthcare for instance, where like a hospital or that type of thing would traditionally probably not be a QSBS situation, but a healthcare service provider or a biotech company or something like that is. Brady Weller (QSBS Rollover) (11:46.937)Yeah. Frazer Rice (11:51.029)Do you help founders think about that? in many ways, there’s sort of the which came first, the idea for the company or the company itself. How do you make sure people stay on all fours on that front? Brady Weller (QSBS Rollover) (12:00.56)Yeah. Yeah, I if you build a startup before, know that the ideas in the early stage sometimes are extremely malleable. And when you start testing things in the market, the business very often changes. You know, we majority work with tech founders and that’s not because, you know, QSBS is well suited for tech. I think a lot of people think that to be QSBS, to be a technology company. That’s not true. It’s just that we most often see QSBS. We run into people who are knowledgeable about QSBS in the venture space. So venture backed start up, like traditional startup businesses, has 80 % plus of those companies are tech businesses. And then the other 20 % is manufacturing, biotech, life science, e-commerce, those types of things. But majority of people that we do these transaction with are in tech. And so by virtue of that, their rollover business ends up being, most of the time, ideas that they have are tech adjacent. So that’s a great place to be. I’d say some things to avoid. What we hear often people coming to us wanting to roll over into real estate in some way or another. And there are ways that the business that you start as part of a QSPS roll over can hold real estate assets long term, depending on the business type. But you have to be really careful there not to, in the eyes of the IRS, look like a real estate holding company or have too much of your assets tied up in sort of like passive real estate holdings. And so I’d say that’s the murkiest stuff that we run into. Brady Weller (QSBS Rollover) (13:37.822).Most of the businesses that we are helping founders start and grow as part of a QSPS rollover are B2B or B2C tech. Either web applications or mobile applications, e-commerce stores. We have a few hardware sort of based companies or like very physical product based companies as well. Frazer Rice (13:58.431)For a lot of tech founders, the idea of taking some money off the table is important. And I would think that maybe partial QSPS situations come up. This isn’t an all or nothing thing. You can take some money off the table and then allocate other parts, maybe half off and then the other half you can roll into the next company. Brady Weller (QSBS Rollover) (14:14.137)Yeah. Brady Weller (QSBS Rollover) (14:18.798)I’d say an extremely common situation that we see is maybe a founder. in New York who is raising maybe a Series B, call it a 50 or $60 million Series B. We saw a lot of these size rounds with the AI kind of boom happening and might be an opportunity to take, you know, four to $6 million off the table as secondary at that stage in the company’s growth. so you have this founder who just got $5 million wired to their bank account, maybe their first money. They’ve been renting in a condo or apartment in the city and they’re still very much like in high growth stage with company so they don’t have a lot of bandwidth to run a new business. And so they’ll really try and de-risk themselves. That is, maybe pay taxes on a million, a million and a half, give themselves a cushion right away, maybe buy a condo or you know whatever, stabilize their life just a bit and roll over the other four, three and a half million, you know, and manage a project on the side that way. That’s a really common situation we see. Frazer Rice (15:19.624)For investors who are invested in a lot of different things and maybe you know, they’ve got six or seven companies that are QSBS eligible and they are sort of rolling the dice on that and sort of picking and choosing which one should go into which that type of thing What’s different about it from an investor standpoint than from an operator standpoint? Brady Weller (QSBS Rollover) (15:43.758)Yeah, I think the biggest thing investors have to pay attention to is if you receive a distribution that isn’t QSPS eligible because of holding period, you cannot just take that money and invest it back into a venture fund. and call that a rollover. The money can go into a venture fund, but that capital also has to be called and deployed into, an investment from that fund. Meaning you can’t just invest in the, in the partnership at the partnership level in a venture fund and it’s sit there undeployed and be eligible for QSBS. It actually has to be fully deployed into target, target opportunities within 60 days. So that’s something that I think that we’ve run into a couple of times with, with investors is they think, I’ll just, know, Fund2 is open at, you know, XYZ firm. I’ll just roll the money over there. But it does have to be deployed still within that 60 day window. So that’s something that we hear a lot of. You know, if you’re an investor, I would keep, you know, you don’t always have the perfect deal ready at the right time. But keeping good relationships with the founders that… you’re partnering with, you know, you never know when someone might be able to open up a tranche on the side or sell some secondary to you. if you’re trying to still get access to that deal sort of outside of a normal round. Frazer Rice (17:07.445)So for the companies that are in your orbit, obviously you’re probably checking in saying, hey, you didn’t do anything to blow up your QSBS status. But for the companies that aren’t that way, and let’s say you’re a founder and you’ve got a nice situation where you’re able to take some money off the table and maybe put it into. one of the things that your friends put together or something like that. How do you think about a checklist or what are the questions to ask to make sure that the recipient investor or recipient of the investment is QSBS eligible and will sort of stick to it? Brady Weller (QSBS Rollover) (17:46.48)Yeah, you want to ensure first that the company is small enough. so under the old rules that I mentioned, the company would have to have less than $50 million of gross assets. A really great proxy for that is just how much has that company raised? You know, if you’re trying to invest in a company and they’ve raised $120 million, it’s very likely that they have at some point blown the asset test and they’re not issuing QSPS anymore. It’s very, it’s not always, but it’s very possible. A lot of people confuse that test for valuation. which is a mistake, you could have a billion dollar company in terms of market value, you know, with only 20 or 25 million dollars worth of assets on the balance sheet. It is possible, especially in some of these high multiple high growth tech businesses. And so, yeah, not confusing valuation with gross assets is one thing to pay attention to. the other is ensuring just that the company is a C corp, especially for early stage investors. I’m talking like first money in, maybe before, you know, pre seed or pre seed, would say, ensuring that the right structuring is in place such that, know, you’re getting stock issued directly from a C corporation at that time you’re investing. So I would say that’s something to worry about more if you’re, you know, an angel. who does a lot of sort of direct sourcing of deals and you’re not going through a fund. Most of the time, if someone’s raised capital directly from a venture fund, all the paperwork and things that you’re going to look for as far as QSPS are going to be in place, because most VCs are pretty well acquainted at this point with, hey, let’s make sure this is eligible before we get in here. Frazer Rice (19:27.913)Right. And just to distinguish, an LLC that elects to be taxed as a C Corp versus a C Corp, C Corp, is there any distinction there for our listeners? Brady Weller (QSBS Rollover) (19:39.673)Yes. Generally, we would say as long as the LLC has made that C-Corp election before issuing more at that stage, guess, membership units of stock, as long as they’ve made that C-Corp election prior to issuing the stock, then we feel generally good about it. But yeah, an LLC, it’s an entity structure whose default taxation is as a pass-through, but an LLC can also be taxed as a C-Corp and can issue quote unquote QSBS eligible shares. or units as well, so it is possible. Frazer Rice (20:12.683)I was gonna say, so for the listeners out there, C-Corp doesn’t just mean C-Corp, but the real operative language is that it’s taxed as a C-Corp component, and that should be part of your checklist as you go down the list of companies to potentially roll into. So for those people who aren’t exactly founders, but maybe are investors or otherwise part of businesses that they’ve been included in, et cetera. Those non-venture-backed businesses, what are the opportunities there for QSBS and then the ability to roll it over into other things? Brady Weller (QSBS Rollover) (20:48.708)Yeah, I would say it’s very rare that we see a non-venture-backed business in between the coasts, I’ll say, right? Like not one of these like kind of like call them coastal elite tech businesses. I’m talking about your like legacy family business in, you know, North Carolina. Frazer Rice (20:59.488)I mean… Brady Weller (QSBS Rollover) (21:11.856)Most of the time we’re going to see those as pass-throughs or partnerships, maybe like an S-Corp. You would see that type of structure and those businesses, while they could be amazing businesses, the interest in them isn’t QSPS eligible because it has to be issued from a C-Corporation. Most of the time, the planning opportunity we see with those types of businesses is around the time of maybe a generational transition or other type of transition planning where Maybe the children take over from the parents and they establish a plan. Hey, we’re going to take it over, but we want to plan to sell maybe the next five to seven years. I hear this a lot. And opportunity. If you are in an industry in a sector where stock sales are common in the industry for exiting the businesses, changing, electing to be treated as a C Corp or restructuring to a C Corporation from one of those pass through structures is an opportunity because you could sort of reorganize, reissue stock, now start your QSBS five year time clock. And, you know, hopefully the business keeps doing well and you can have that exit opportunity down the line. And at that point, take advantage of QSBS. Again, the thing you want to pay attention to is that you actually be able to do a stock sale at that time because QSBS requires a sale of stock, not an asset sale. And so that’s a really important distinction. So make sure either that you’re in an industry where that’s common or you’re working with counsel who understands what you’re trying to accomplish before you make those decisions about how you’re setting your entity up at that stage. Frazer Rice (22:41.353)Right. Frazer Rice (22:56.758)I just have a comment for me with the passage of the new law that we sort of alluded to where previously you really didn’t start thinking about this until fully five years. The new law, people can start thinking about it within three. You get 50 % of the benefit of the exclusion at three years. Brady Weller (QSBS Rollover) (23:08.282)Mm-hmm. Frazer Rice (23:15.21)And I’ve run into people where three years suddenly seems like a short amount of time, whereas five years, I think everyone was sort of like, we’ll get there eventually. you know, they’re they’re they’re fighting for their survival anyway. And if that happens to work terrific in this case, I think that the law moving the timeline up a little bit has had an interesting impact on those conversion discussions, because I think people are now starting to say, hey, you know what? I can get to three years. And, you know, with the speed at the and the rate at which things change at this point, it’s much more realistic than I think it might have been going back in time. Brady Weller (QSBS Rollover) (23:50.896)And if you have a stable business where you feel comfortable making projections, say three years out, so to what that business could look like at that time, it’s really becoming more common now to do what you’re calling like choice of entity studies, right? So working with someone who can model out with the difference in taxation, both at the company level and at the point of. Frazer Rice (24:05.482)Mm-hmm. Brady Weller (QSBS Rollover) (24:15.276)selling stock, what the optimal structure may be depending on your time horizon tax it, your expectations for growth or lack thereof. So that’s something that some valuation firms, business advisories, some law firms or CPA tax advisories may be able to do. If you’re in that situation, you’re trying to figure out, hey, what’s the math look like based on my baseline assumptions of what this business will be and can help you sort of make those decisions about how to plan. over the next three to seven years. Frazer Rice (24:47.402)As part of that reorganization too, I’ve talked to a few people who are in, let’s call it personality-based businesses, whether they’re podcasters or influencers or other types of things that are a little bit adjacent to maybe typical software companies. And I’ve brought up the notion that you may be disqualified now, but you may have a future growth opportunity within your business to make it fall more in line with a QSBS-defined business. And so, you if you’ve got the time and the ability and it makes a business sense, it may make sense to start thinking about either sectioning that off or developing that business line for something a little bit later on. Brady Weller (QSBS Rollover) (25:27.95)Yeah, being strategic about where those adjacent businesses, how they’re structured and where they’re built. And I mean, where like in terms of a legal entity level sense, I’m thinking about, for instance, several golf YouTubers, make a lot of golf content online, but now they’re announcing partnerships to, you know, design clothing, you know, have their own clothing line, or maybe they’ve entered a, a joint venture with a golf club maker or maybe an emerging brand and they’re taking equity. Frazer Rice (25:41.983)Mm-hmm. Brady Weller (QSBS Rollover) (25:57.826)Those are really interesting options and I think that you still have the opportunity to leverage your personal brand to grow that business but separating them out so that you know your reliance on your personal brand doesn’t ruin QSBS. That’s actually getting to one of the rules around qualified small business stock which is that the companies can’t be based on the skill or reputation of a single person. And so that’s when we think about Frazer Rice (26:24.938)Mm-hmm. Brady Weller (QSBS Rollover) (26:27.632)Like entertainers, athletes, social media personalities. MrBeast, for instance, couldn’t sell MrBeast, the YouTube channel necessarily, as QSBS eligible interest because of that rule more than likely. And that’s obviously a broad brush, paying attention to where you hold your business interests is important for this if you’re in that space. Frazer Rice (26:53.5)Any state thoughts? I know California QSBS is uncoupled from the federal QSBS and New York threatened it and apparently that got knocked down. New Jersey just coupled with the federal government so that people weren’t scared away from doing that. How does that figure into your analysis? Brady Weller (QSBS Rollover) (27:04.304)you Yeah. Brady Weller (QSBS Rollover) (27:12.784)It’s sort of a battle of the coast. It’s like which coast of the United States is going to be most investor and founder friendly with relation to these things. Yeah, because California hasn’t followed it for a long time. Oregon and Washington state are close behind there. And then we have the sort of somewhat the opposite happening on the East Coast. So as an East Coast guy, I hope it becomes a hub. But yeah, there is some sort of. Frazer Rice (27:19.528)Right. Brady Weller (QSBS Rollover) (27:36.388)you know, state and local tax planning, strategic planning that you might be able to do if you have the foresight and, you know, the right data to determine where you might become a resident or taxpayer prior to an exit. You might talk with a. assault attorney or assault advisor state and local tax is usually tax advisors CPAs or or tax attorneys who can help you think through Hey, does it make a difference whether or not I move from California to Texas? What does that look like for my family? What does that look like for my post-tax exit situation? because where the company is headquartered, as long as it’s in the United States, doesn’t matter for QSPS, just has to be a domestic USC corporation. And so remembering that QSPS is fundamentally an individual taxpayer incentive means that regardless of where the shareholders are located, you’re gonna be beholden to that specific state of where you live and their roles around QSPS. Frazer Rice (28:36.906)Terrific stuff. Brady, we’re winding down here. How do people find you and your company and any sort of parting thoughts? Brady Weller (QSBS Rollover) (28:44.516)Yeah, I’m personally very active on LinkedIn. So you can find me there, Brady Weller and our website, qsbsrollover.com. We also have a sort of an open source QSBS advisory referral site called qsbsreference.com. And so you can find us at either of those places. We’d be happy to help you out and point you in the right direction. Frazer Rice (29:05.13)Brady, thanks for being on. Brady Weller (QSBS Rollover) (29:06.874)Thanks, Frazier, appreciate it. Keywords QSBS, tax exemption, startup founders, rollover, legal structuring, investment strategy, tax planning, startup exit, C corporation, legal advice Titles Mastering QSBS Rollovers: Strategies for Founders and Investors The Ultimate Guide to QSBS Tax Exemptions and Rollovers https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/

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