Podcasts about Verified

Are you trusting the seller's numbers... or verifying the truth? One of the fastest ways to lose money in multifamily real estate isn't overpaying—it's believing a pro forma that doesn't reflect reality. In this episode, Gino Barbaro explains why experienced investors never rely solely on seller projections and how verifying operating expenses can be the difference between a profitable investment and financial disaster. You'll learn why so many multifamily deals fail, which expenses are commonly underestimated, and how professional investors build conservative underwriting models that protect both their capital and their investors. In this video you'll learn: ✔ Why seller pro formas can be dangerously misleading ✔ The difference between revenue growth and true profitability ✔ The most commonly underestimated operating expenses ✔ How to verify insurance, taxes, payroll, utilities, maintenance, and property management costs ✔ Why experienced investors create their own pro forma instead of trusting the broker's ✔ Red flags that can expose a bad apartment deal before you buy ✔ How to evaluate deals based on cash flow—not hope ✔ Why reducing expenses often creates more value than increasing income Whether you're investing in your first apartment building or already own a portfolio, this episode will help you underwrite smarter, avoid costly mistakes, and make better investment decisions in today's market. One of the biggest lessons from this episode: A seller's pro forma tells a story. Verified expenses tell the truth. If you want to become a disciplined multifamily investor, this conversation is essential.

Topics covered in this episode: Some more things about Django I've been enjoying Who cleans up after the vibe-coding party? Where Did All Your AI Tokens Go? AgentsView to the rescue! Careful with phishing all Extras Joke Watch on YouTube About the show Sponsored by us! Support our work through: Our courses at Talk Python Consulting from Six Feet Up Connect with the hosts Michael: Mastodon / BlueSky / X / LinkedIn Calvin: Mastodon / BlueSky / X / LinkedIn Show: Mastodon / BlueSky / X Join us on YouTube at pythonbytes.fm/live to be part of the audience. Usually Tuesday at 7am PT. Older video versions available there too. Finally, if you want an artisanal, hand-crafted digest of every week of the show notes in email form? Add your name and email to our friends of the show list, we'll never share it. Calvin #1: Some more things about Django I've been enjoying Julia Evans is learning "2010-style" web dev (Django + SQL + server-rendered HTML) after years of Go backends and JS-heavy frontends Query builders: likes defining custom QuerySet classes with chainable filter methods (.approved().future().with_tags()) — more readable than raw SQL Template filters: highlights urlize, linebreaksbr, json_script, and especially querystring for building/modifying query-string links in templates Migrations: still loves Django's auto-generated migrations — 19 and counting on her project Skips inheritance for class-based views; prefers function-based views for sharing code, though fine using Django's own mixins/interfaces Performance surprise: CPU profiling (via py-spy) — not slow DB queries — revealed the culprit; she'd accidentally disabled the cached template loader, and re-enabling it took throughput from ~2-3 req/s to ~12 req/s on a $10/mo VM Michael #2: Who cleans up after the vibe-coding party? FT Magazine piece by Sam Learner (July 11) on AI coding tools overwhelming open source maintainers - sent in by listener Dylan McConnell, whose main point was that this ran in the Financial Times, not a dev blog. cURL as the case study - Daniel Stenberg has been the only full-time person on it for years; libcurl has been installed an estimated 20+ billion times with 3,000+ listed contributors. Bug bounty killed - cURL ended its paid security bounty program in January, citing an "explosion of AI slop reports" that take real time to debunk and drain morale. Extractive contributions - authoring a PR is now nearly free, reviewing one still costs a human; tldraw's Steve Ruiz closed outside contributions entirely, asking why he'd want someone else writing the easy part. Guido weighs in - van Rossum says projects are holding emergency meetings over the slop flow, and notes LLM patches tend to touch unrelated parts of a file, making review more tedious. "Vibe Coding Kills Open Source" - paper from Miklós Koren's group: packages frequently recommended by coding models saw big download jumps with no matching engagement, breaking the reputation loop that sustains maintainers. Stack Overflow flatlined - over 100,000 questions a month before ChatGPT, under 1,500 last month, with the response rate cut roughly in half; the public archive is now stale training data. The course-creator angle - Josh Comeau's newest web dev course launched at about a third of prior enrollment, and he worries about devs who never learn which questions to ask. But the most interesting portion is what was omitted. Focused on: The end of the curl bug-bounty Omitted: High-Quality Chaos Why the omission is interesting It fits a narrative. The FT piece is a maintenance-and-decline story, and January-Stenberg is a perfect witness for it. April-Stenberg complicates it - same person, same project, better data, opposite direction on the specific claim being used. The tell is already in the article. Learner quotes Stenberg saying AI tools are much better at finding problems than fixing them. That's the April thesis in one line, and it goes undeveloped. Reason for the shift is process, not vibes. Killing the bounty removed the cash incentive and the venue change filtered the rest. Worth saying out loud, because "AI reports got better" isn't quite it - "no bounty plus a real triage platform" is closer. Joke too: Sarah O'Connor wrote a related piece (is this just before skynet launches?) Calvin #3: Where Did All Your AI Tokens Go? AgentsView to the rescue! Local-first desktop/web app for browsing, searching, and analyzing your past AI coding agent sessions (Claude Code, Codex, Copilot, Cursor, Gemini, Aider, and dozens more) Auto-discovers session files on your machine — no config needed; everything stored locally in SQLite, no cloud/accounts agentsview usage is a drop-in ccusage alternative — reads from pre-indexed SQLite, reports run 80–220× faster on large histories New Activity dashboard shows peak concurrency, active vs. idle time, agent-minutes, and cost — filterable by project/agent/machine, with a -json CLI report too Full-text + optional semantic search across every session; also imports Claude.ai/ChatGPT chat exports Install via pip install agentsview, uvx agentsview, brew install --cask agentsview, or download desktop binaries from GitHub Releases Michael #4: Careful with phishing all The situation I pass this along because it was a pretty sneaky bit of targeted phishing, and happened to play off an old interaction in bandit's repo. As usual with phishing scams there are a bunch of tells that this isn't legitimate, but just enough plausibility that I could see falling for it in a weak moment. Relative nobodies like me haven't historically been worth the effort to hit with scams this specific. Agents change the game though :-/. Be careful out there folks! Original message From: "Patrick (Blacktrace)" [HTML_REMOVED] To: LISTENER EMAIL Subject: Your Bandit #1350 (B105 NextToken false positive) -- just fixed that exact case Date: Wednesday, July 15, 2026 12:02 AM Hi AJ, Saw your Bandit issue #1350 -- the B105 hardcoded-password false positive on the string NextToken. I build a deterministic gate that filters that class of Bandit noise, and #1350 was literally the case I just fixed: NextToken / next_token / page_token / nextPageToken now stay quiet, while a genuine hardcoded token like api_token="sk-live-..." still fires. Verified against your exact case. 30-second paste: https://blacktrace.co/noise-eraser Where it still trips, published: https://blacktrace.co/kruc Curious whether it clears what you hit -- and if it trips on something of yours, that's the more useful reply. Patrick, Blacktrace I asked Claude for some analysis too. It was pretty good at finding them. The message name-drops enough real detail to feel legit, but the structure is pure phishing - everything in it exists to get AJ onto blacktrace.co. The strongest ones: Freemail sender, corporate signoff. Signs as "Patrick, Blacktrace" but sends from emailpjv@gmail.com. Real company outreach comes from the company domain, not a personal Gmail - and there's no last name. Over-specific targeting. It mirrors AJ's exact public activity - issue #1350, the B105 rule, the NextToken false positive, even the token variants. That's the "just enough plausibility" AJ flagged, and it's exactly what agents make cheap: scrape a GitHub issue, auto-generate tailored bait. Legit cold outreach rarely reads your history back to you this precisely. The entire payload is two links. Strip the technical flattery and the message is just "paste here" plus "see results here." When the whole point of an email is the click, that's the tell. "30-second paste." Low-friction urgency, and "paste" most likely means paste your source into their tool - handing your code to a stranger's site. Exfiltration dressed as convenience. Brand-new, no-reputation domain. blacktrace.co has no track record, and the name is doing some ominous work. The /kruc slug is random noise, not how real product pages get named. Precise-sounding jargon that's actually vague. "Deterministic gate," "noise-eraser" - impressive, empty. Bolted onto correct real details (B105 is the Bandit hardcoded-password test, sk-live- is a Stripe live-key prefix) to borrow credibility. The disarming close. "if it trips on something of yours, that's the more useful reply" - engineered humility that flatters your expertise and baits a response. Makes engaging feel like you're doing them a favor, which drops your guard. Extras Calvin: DjangoCon US 2026 is rapidly approaching, August 24-28, Chicago Ruff v0.16.0 massively expands its default rule set Ruff now enables 413 rules by default, up from 59 https://astral.sh/blog/ruff-v0.16.0 Michael: Completely redesigned the home page. Try /insights in Claude Code (terminal) Joke: We're Safe

Matt and Michael open with the Texas heat and the strange feeling of being between seasons. Not just summer tipping toward fall, but the inner seasons of thought and spirit where old ideas fade and new ones haven't arrived. What do you do when you don't know what to do? They explore anxiety and faith, the discipline of presence, and how focusing on relationships unlocked unexpected reconnections. Then things get deeper. They wrestle with truth as conforming to reality, the fear of God as respect for overwhelming power, and why rights only work when they come from God rather than government. The conversation turns to communism and why it always ends in genocide, why markets and elections work because they let reality speak, and why everything good is good because of love. Michael calls it what it is. Two guys stumbling through ideas, pushing on things, trying to find the meat on the bone. Cheers y'all

Today, we talk with a company that has reached a major milestone, earning UAD 3.6 verification from both Fannie Mae and Freddie Mac. Humza Ahmed, Founder and CEO of Automax.ai, returns to the Buzzcast to discuss what the verification process involved, how Automax's AI-powered workflow was built for UAD 3.6 with the appraiser in mind, and why he believes technology can help us tackle growing capacity challenges without replacing human judgment. Find out where appraisal technology is headed next.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles. 

#wealthbuilding On this pod we delve into how to shop verified Black-owned businesses and why it's important. We look at the revelations from Ben Crump's press conference following the independent autopsy for Nolan Wells and what it tells us about the case, and we put a progressive lens on other national and international headlines.https://verifiedblackowned.org/

Through evidence-based counseling and open dialogue, pharmacists help patients make informed decisions, improve medication safety, and build trust — ultimately reducing the spread and impact of misinformation in healthcare.  By understanding study design, bias, statistical significance, and clinical relevance, pharmacists can distinguish sound science from misleading claims. This episode highlights how to discuss this information in a respectful and patient-centered way, addressing concerns without judgment. The information presented during the podcast reflects solely the opinions of the presenter. The information and materials are not, and are not intended as, a comprehensive source of drug information on this topic. The contents of the podcast have not been reviewed by ASHP, and should neither be interpreted as the official policies of ASHP, nor an endorsement of any product(s), nor should they be considered as a substitute for the professional judgment of the pharmacist or physician.

شما وقتی جلوی اسم یک نفر یک حساب در اینستاگرام یا توییتر تیک آبی می‌بینید، برداشتتون چیه؟ چطوری بهش فکر می‌کنید؟توی این قسمت میخوام داستان تیک آبی رو مرور کنم ببینیم چیه و چطوری به وجود اومده و از همه مهم‌تر، الان داره چه نقشی رو بازی می‌کنه.نسخه متنی در سایت | https://furbodm.com/blue-checkmark/یوتوب فوربو | https://youtube.com/@furbodmلینک حمایت مالی | https://furbodm.com/plus/اینستاگرام | @furbodmتوییتر پادکست | @FurboPodcastسایت فوربو | https://furbodm.com/صفحه پادکست |‌ https://furbodm.com/podcast/بلاگ شخصی من – رضا توکلی | RezaTavakoli.comاینستاگرام | @r.t98توییتر | @RezaTavakoli98 Hosted on Acast. See acast.com/privacy for more information.

Send us Fan MailWe discuss Steam's new 'Great on Frame' verification system for VR games, Vertigo Games reportedly working on a Tomb Raider game, and John Carmack offering a $1 million guarantee for official Team Beef ports. We also cover Sony's plans to cease game disc production in 2028, along with newly announced titles like Ghosts of Tabor: Legacy and H3VR finally leaving Early Access after 10 years.Here's the full topic list, in order:Back From Holiday Hiatus1. What has James been up to?2. What has Mike been up to?Catching Up On The News3. 'Great on Frame' verified titles4. Vertigo Games reportedly working on a Tomb Raider game5. John Carmack offering $1M guarantee for official Team Beef ports6. Survive The Night shelved by The Binary Mill7. Sony to cease production of game discs in 20288. Golf+ hosting VR Open with an amazing grand prizeNew Games Announced9. H3VR leaves Early Access after 10 years10. Hellsplit Labyrinth11. Ghosts of Tabor: Legacy

The "which is smarter" question is dead. Both models are good enough that the right question is which one does the specific thing you need better. This episode breaks down where each one wins for actual work. The short version. Claude wins on writing quality, instruction-following, long-document analysis, and agentic work. ChatGPT wins on image generation, voice, custom GPTs, and ecosystem breadth. Where Claude pulls ahead. For anything client-facing, Claude produces prose that needs less editing, with fewer clichés, better structure, and more controllable tone, which is the single most-cited reason people prefer it for memos, reports, and articles. It also holds detailed constraints better, so when you give it specific headings, a voice, and things to avoid, it sticks to them more faithfully. On the coding and analysis side, Claude leads the reasoning benchmarks (91.3% on GPQA Diamond) and holds a slim edge on SWE-bench Verified, and its context window is the most-cited reason developers switch, with the API tier going up to 1M tokens for long codebases, contracts, and book-length documents. Where ChatGPT pulls ahead. Image generation is not close. ChatGPT generates images natively and Claude cannot generate them at all, so if visuals are in your workflow, that decides it. ChatGPT also browses the web in real time, while Claude does not do that natively, and it integrates directly with Word, Excel, Teams, and Outlook through Microsoft Copilot, which matters if your business already runs on Microsoft 365. For high-volume API work, the flagship cost gap is large: a small internal RAG tool running 10M input and 2M output tokens a month runs roughly $300 on Claude Opus versus $55 on GPT, and it scales from there. Pricing. If you're choosing between Claude Pro and ChatGPT Plus, pick on capability, not price, because they both cost about $20 a month. The one real gap is ChatGPT's cheaper $8 Go tier and its more generous free tier. The move most professionals actually make. The common 2026 setup is ChatGPT for ideation, images, and quick questions, and Claude for the serious writing, editing, long-document analysis, and agentic file work. At about $20 each, running both is roughly $40 a month, which is trivial against the time it saves if AI is core to your job. The AI Career LabBottom line for a service business or agency. If your work is mostly writing, client documents, and code, Claude is the stronger daily driver. If you're producing marketing visuals, doing web research, or living in Microsoft 365, ChatGPT earns its seat. Most people find a clear preference within a week of running both on real work.Topics: Claude vs ChatGPT 2026, best AI for work, AI for small business, AI writing tool, AI for consultants and agencies, Claude Code, ChatGPT vs Claude pricing, long context AI, AI coding model, business AI workflow.Best AI for work 2026, Claude vs ChatGPT for business, AI tool for agencies and freelancers, AI writing and coding assistant, running Claude and ChatGPT together.

On this Tuesday edition of The Chasers Dugout Report, the panel breaks down Junior Caminero's historic power surge — the Rays third baseman, now 23, became the youngest player in MLB history to homer in six straight games (surpassing Ken Griffey Jr.), part of an 11-home-run stretch across 11 games dating back to June 23. Alvin Clawson makes the case for him as the best third baseman in baseball right now.The crew also unpacks a report that seven MLB umpires — including CB Bucknor and Laz Díaz — accepted buyouts to retire after the 2026 season, with the automated ball-strike (ABS) Challenge System and rising public scrutiny cited as key factors. Expect a real debate on accountability, ego, and preserving the human element behind the plate.

This Episode Pat Zingarella joins Chris Lopez to share the story behind Invest Clearly, a platform built to bring more transparency to the private real estate investing world. Pat's journey started like many BiggerPockets listeners: learning through podcasts, buying his first small multifamily property, making painful mistakes, and slowly realizing how hard it can be for LPs to know who they can trust. Pat walks through the lessons from his first fourplex, including inherited tenants, COVID-era nonpayment, poor screening decisions, and the difference between blaming real estate versus recognizing where his own due diligence fell short. He also shares how a later experience working under a high-profile real estate figure exposed him to the darker side of the industry and helped shape his view that LPs need better tools, better transparency, and better ways to validate sponsors before wiring capital. Chris and Pat dig into how Invest Clearly works today: a directory of GPs, verified LP reviews, proof-of-investment requirements, and a growing database designed to help investors compare sponsor experiences in one place. They also discuss why reviews matter, what happens when operators try to suppress negative feedback, and why community-driven transparency can help separate strong sponsors from bad actors. Key takeaways: How Pat went from BiggerPockets listener to active investor to building Invest Clearly What his first fourplex taught him about screening, reserves, trust, and due diligence Why private real estate needs more transparency around GP track records and LP experiences How Invest Clearly verifies reviews and helps LPs research sponsors Why negative reviews, legal threats, and transparency are becoming bigger issues in the industry How communities like PassivePockets and tools like Invest Clearly can help LPs make better-informed decisions Join a community of passive investors. Start your FREE 7-day trial: https://passivepockets.com/?utm_source=youtube&utm_medium=description&utm_campaign=none Listen to the PassivePockets Podcast Anywhere: https://lnk.to/passivepockets Subscribe to the Passive Investing Newsletter: https://www.biggerpockets.com/email-subscribe?utm_source=youtube&utm_medium=description&utm_campaign=none Join BiggerPockets for free: https://www.biggerpockets.com/signup?utm_source=owned_media Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Both models are good enough that the right question is which one does the specific thing you need better. This episode breaks down where each one wins for actual work. The short version. Claude wins on writing quality, instruction-following, long-document analysis, and agentic work. ChatGPT wins on image generation, voice, custom GPTs, and ecosystem breadth. Where Claude pulls ahead. For anything client-facing, Claude produces prose that needs less editing, with fewer clichés, better structure, and more controllable tone, which is the single most-cited reason people prefer it for memos, reports, and articles. It also holds detailed constraints better, so when you give it specific headings, a voice, and things to avoid, it sticks to them more faithfully. On the coding and analysis side, Claude leads the reasoning benchmarks (91.3% on GPQA Diamond) and holds a slim edge on SWE-bench Verified, and its context window is the most-cited reason developers switch, with the API tier going up to 1M tokens for long codebases, contracts, and book-length documents. Where ChatGPT pulls ahead. Image generation is not close. ChatGPT generates images natively and Claude cannot generate them at all, so if visuals are in your workflow, that decides it. ChatGPT also browses the web in real time, while Claude does not do that natively, and it integrates directly with Word, Excel, Teams, and Outlook through Microsoft Copilot, which matters if your business already runs on Microsoft 365. For high-volume API work, the flagship cost gap is large: a small internal RAG tool running 10M input and 2M output tokens a month runs roughly $300 on Claude Opus versus $55 on GPT, and it scales from there. Pricing. If you're choosing between Claude Pro and ChatGPT Plus, pick on capability, not price, because they both cost about $20 a month. The one real gap is ChatGPT's cheaper $8 Go tier and its more generous free tier. The move most professionals actually make. The common 2026 setup is ChatGPT for ideation, images, and quick questions, and Claude for the serious writing, editing, long-document analysis, and agentic file work. At about $20 each, running both is roughly $40 a month, which is trivial against the time it saves if AI is core to your job. Bottom line for a service business or agency. If your work is mostly writing, client documents, and code, Claude is the stronger daily driver. If you're producing marketing visuals, doing web research, or living in Microsoft 365, ChatGPT earns its seat. Most people find a clear preference within a week of running both on real work.Topics: Claude vs ChatGPT 2026, best AI for work, AI for small business, AI writing tool, AI for consultants and agencies, Claude Code, ChatGPT vs Claude pricing, long context AI, AI coding model, business AI workflow.Best AI for work 2026, Claude vs ChatGPT for business, AI tool for agencies and freelancers, AI writing and coding assistant, running Claude and ChatGPT together.

⚖️ How to Determine What Your Assets Are Worth During Divorce | Los Angeles Divorce

Kgomotso Modise standing in for Relebogile Mabotja speaks to Erica Liebenberg who is the head of communications for JustMoney about to unpack the opportunities, earning potential, and practical tips for building a successful online income streams. 702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

The Supreme Court ruling has fundamentally changed compliance for freight brokers. Highway CEO Jordan Graft breaks down what this means for safety standards, risk management, and combating evolving fraud vectors like impersonation and double brokering. ⁠Follow the FreightWaves NOW Podcast⁠ ⁠Other FreightWaves Shows⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Supreme Court ruling has fundamentally changed compliance for freight brokers. Highway CEO Jordan Graft breaks down what this means for safety standards, risk management, and combating evolving fraud vectors like impersonation and double brokering. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

Lonely in a new city even though you're “connected” all day? We felt that tension hard, so we sat down with Gabor Catas, CEO of Friending Inc., to talk about a different kind of social app: one that's built to get you off your phone and back into real life. Gabor shares why he helped shape the Friending App after years of moving between countries and states, and why loneliness is more common than most people admit, especially after COVID and the shift to remote work.We dig into what makes Friending stand out in the crowded world of friendship apps and dating-style platforms. First, verified identity: the app uses Persona with ID and selfie checks to reduce fake profiles and build trust. Then, the big behavioral change: chat is limited to 10 exchanges, after which you send a friend request with a 30-day window to meet face-to-face. It's a design choice that challenges the endless-texting loop and focuses on making friends through shared activities in your area.We also get practical about safety and real-world meetups. Friending includes a triple-tap feature that can call the police by default, contact a friend, or alert nearby Friending users if you feel uncomfortable. You can browse people within about 50 miles using “Are You In” activity cards and tags, and Gabor paints the best-case future where you can even ping nearby players to fill out a last-minute volleyball team. Plus, there's a fun twist: sending real coffee with a QR code message that can be text, video, or even a song.Listen now, then subscribe, share with a friend who's new in town, and leave a review so more people can find the show.Send us Fan MailSupport the showThanks for listening!Check out this site for everthing to know about women's pleasure including video tutorials and great suggestions for bedroom time!!https://for-goodness-sake-omgyes.sjv.io/c/5059274/1463336/17315Take the happiness quiz from Oprah and Arthur Brooks here: https://arthurbrooks.com/buildNEW: Subscribe monthly: https://www.buzzsprout.com/1805181/support Email  questions/comments/feeback to tamara@straightfromthesourcesmouth.co Website: https://straightfromthesourcesmouthpod.net/Instagram: @fromthesourcesmouth_franktalkTwitter: @tamarapodcastYouTube and IG: Tamara_Schoon_comicWant to be a guest on Straight from the Source's Mouth: Frank Talk about Sex and Dating? Send Tamara Schoon a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/17508659438808322af9d2077

Key TakeawaysLocation for Flex/IndustrialDon't go “main & main” in the city core (too expensive, competing with retail/office).Target major highways/arterials just outside town, where you can serve multiple submarkets at lower land/building cost.Pricing & StrategyYour all‑in cost/sf (purchase + rehab) must be well below new construction cost (~$120–$150/sf) or the deal won't compete.Quick screen: if all‑in ≈ $100/sf and you can get ~$12/sf NNN, that's about a 12% yield on cost → worth deeper underwriting.Kansas City Example Deal4,260 sf building at $315K (~$74/sf) in Raytown; concept: split into two bays, add another roll‑up door, light rehab.Verified via Google Street View that there's no real loading dock despite the listing.Underwriting Outputs (base case)Assumptions: 25% down, 7% interest, 20‑yr am, 2 tenants at $12/sf NNN, 3% bumps.Results: ~16–17% IRR, ~19–20% annualized cash‑on‑cash, ~2.0x equity multiple over 5 years, DSCR ~1.7x.Risk & Stress TestEven with rents at $10/sf and rehab at $100K, deal still modeled at mid‑teens IRR and solid cash‑on‑cash.But in a bear scenario (lower rents, higher vacancy, worse exit cap), you can lose money → need margin.Capital RaisingRaising capital starts with your existing network:Call people, explain your deal type and target returns, and ask if they'd want to see one.Build a list of soft commitments before you have a live deal.

Ari Paparo sits down with Damian Garbaccio, Chief Commercial and Marketing Officer at Affinity Solutions, and Doug Campbell, Chief Strategy Officer at DoubleVerify, to discuss why 91% of marketers distrust platform-reported results, the rise of outcome-based measurement, the role of verified purchase data, AI-driven optimization, media waste, and the future of advertising accountability.  Takeaways  91% of marketers distrust platform-reported results, signaling a major measurement credibility gap. Brands want to optimize toward real purchase outcomes, but technical and organizational barriers remain. Verified transaction data and independent measurement are becoming essential for improving accountability.  Reducing delays and complexity between purchase data and optimization systems can improve campaign performance.  AI can enhance marketing outcomes, but its effectiveness depends on the quality of the data it receives.  CMOs face growing pressure to prove measurable business results and justify marketing investments.  Chapters  00:00 Introduction to the Affinity Solutions Outcome Marketing Council  00:29 Why the council was created and its mission  01:34 The new report: Measurement's Tipping Point  02:28 Challenges connecting ad exposure to purchase behavior  03:06 Key survey findings and marketer sentiment  03:19 Why 91% of marketers distrust platform-reported results  05:31 Why marketers still rely on proxy metrics  07:10 The value of real purchase and transaction data  08:21 Barriers preventing outcome-based optimization  09:17 Platform measurement challenges and attribution overlap  09:38 Speed, data paths, and optimization challenges  10:53 The importance of third-party measurement  11:10 How much waste exists in media measurement?  13:04 Best practices for verified outcomes and optimization  14:20 How far the industry has progressed in recent years  14:44 AI, data quality, and marketing performance  16:45 Advice for CMOs navigating measurement uncertainty  17:43 Organizational change and financial accountability  18:30 Why the opportunity for innovation remains strong  Guests: Ari Paparo, Damian Garbaccio, Doug Campbell Learn more about your ad choices. Visit megaphone.fm/adchoices

The media landscape is experiencing a massive changing of the guard! In Episode 466, host Steve "Megatron" Phillips and TFG1Mike tackle a week of historic endings and radical digital beginnings. First, we say a final, bittersweet goodbye to an institution as CBS News Radio officially goes off the air, signing off with Edward R. Murrow's iconic words: "Good night, and good luck."The end of an era continues on television as we reflect on the surreally lovely final episode of The Late Show with Stephen Colbert. We break down how he completely nailed the landing, his brilliant "Only in Monroe" return, and what his departure means for the future of late-night broadcast comedy. Meanwhile, the streaming wars enter a new phase as Disney pulls Hulu even tighter into the Disney+ ecosystem, despite claiming they have "no current plans" to kill the standalone app. Finally, we unpack Spotify's massive new suite of AI features—including a direct crackdown on AI voice cloning, the introduction of a green "Verified" checkmark for podcasts, and personal AI audio briefings that are changing how we consume media.What you'll get out of this episode:A tribute to the legacy of CBS News Radio and the end of traditional broadcast news.Critical analysis of Stephen Colbert's emotional late-night series finale.What Disney's aggressive Hulu/Disney+ integration means for your streaming subscriptions.A deep dive into Spotify's new AI-generated personal podcasts and anti-impersonation rules.Updates on our ongoing celebration of The Top 100 Animated Series 15th Anniversary Edition.Get Altered, Get Geeky, with the Altered Geeks!Top Stories & Featured LinksStreaming Consolidation: Disney Pulls Hulu Eighter Tighter Into Disney+Radio History Ends: CBS News Radio Ends With An Edward R. Murrow Sign OffLate Night Finale: Stephen Colbert's Last Show: Laughing Well Is the Best RevengeAudio Tech Shift: Spotify Podcast Verification Targets AI Voice CloningTopic KeywordsCBS News Radio Final Sign Off, Stephen Colbert Late Show Finale, Disney Hulu Integration 2026, Spotify Podcast Verification Badge, AI Voice Cloning Spotify Policy, Personal AI Podcasts, Edward R. Murrow Good Night and Good Luck, Streaming Industry Consolidation, Broadcast Late Night Comedy.Keywords (Comma Separated)Stephen Colbert finale, CBS News Radio, Hulu Disney plus integration, Spotify AI podcast features, Podcast verification checkmark, AI voice cloning ban, Edward R Murrow sign off, Late Show series finale, Streaming media consolidation, Broadcast radio history.

Key TakeawaysLocation for Flex/IndustrialDon't go “main & main” in the city core (too expensive, competing with retail/office).Target major highways/arterials just outside town, where you can serve multiple submarkets at lower land/building cost.Pricing & StrategyYour all‑in cost/sf (purchase + rehab) must be well below new construction cost (~$120–$150/sf) or the deal won't compete.Quick screen: if all‑in ≈ $100/sf and you can get ~$12/sf NNN, that's about a 12% yield on cost → worth deeper underwriting.Kansas City Example Deal4,260 sf building at $315K (~$74/sf) in Raytown; concept: split into two bays, add another roll‑up door, light rehab.Verified via Google Street View that there's no real loading dock despite the listing.Underwriting Outputs (base case)Assumptions: 25% down, 7% interest, 20‑yr am, 2 tenants at $12/sf NNN, 3% bumps.Results: ~16–17% IRR, ~19–20% annualized cash‑on‑cash, ~2.0x equity multiple over 5 years, DSCR ~1.7x.Risk & Stress TestEven with rents at $10/sf and rehab at $100K, deal still modeled at mid‑teens IRR and solid cash‑on‑cash.But in a bear scenario (lower rents, higher vacancy, worse exit cap), you can lose money → need margin.Capital RaisingRaising capital starts with your existing network:Call people, explain your deal type and target returns, and ask if they'd want to see one.Build a list of soft commitments before you have a live deal.

Two former Benchmark investors are pitching something you don't usually see this soon: a joint, $800 million AI fund—less than a year after each left to raise smaller, founder-led vehicles on their own. Victor Lazarte left the Silicon Valley fund in July 2025 after backing companies like Mercor, Heygen and Applied Compute in his two-year stretch as a partner. After exiting Benchmark, he quickly raised $200 million for his own fund, VL. Now, Lazarte is pitching a much bigger fund to make bets on early and growth stage startups. He's telling prospective limited partners he plans to raise a new fund called Diffusion and co-manage it with Kris Fredrickson, according to several investors who say they were pitched on the effort. The target is roughly $800 million, one of the larger first-time venture raises of the year. Fredrickson started his investing career at Benchmark before moving to hedge fund Coatue, where he backed companies like Instacart, Chime and Scale AI. Forbes reported last July that Fredrickson had raised $175 million for his own fund, Verified, to back growth stage AI startups like legal platform Harvey and search engine Perplexity. By Iain Martin, Forbes Staff Learn more about your ad choices. Visit megaphone.fm/adchoices

Explore near-death experiences that reveal impossible physical facts and prove the reality of our survival, plus meet filmmakers Constance and Susan as they discuss the clinical validation of eternity.See omnystudio.com/listener for privacy information.

Explore near-death experiences that reveal impossible physical facts and prove the reality of our survival, plus meet filmmakers Constance and Susan as they discuss the clinical validation of eternity.See omnystudio.com/listener for privacy information.

Send James and Sam a message or voicemailWe pick apart Spotify's investor-day announcements and ask what its AI-first roadmap means for podcast creators, monetisation, and trust. We also talk to the co-founders of BIPOC Podcast Creators about why the community is closing and what the industry loses when creator support dries up. • Spotify's “time well spent” metric and what it tries to reframe • The “500 million video podcast” claim and why measurement matters • Real-time podcast Q&A on Spotify and the risk of AI hallucinations • Dynamic creator sponsorships and updating back catalogue ads • Spotify memberships as a Patreon and Supporting Cast rival, with big unanswered details • Verified by Spotify badges and why creators can't control verification • Clipping tools and the tradeoff between shareability and platform lock-in • Why BIPOC Podcast Creators closes, after a year of exploring options • How funding, layoffs, and politics change corporate support • The case for protecting indie creators and the industry's long-term health • Apple Podcasts plus Audible subscription access and why verification matters • YouTube's podcasts hub, top fans, and clearer AI content labels • Private feed security problems and why standards need to move faster • Direct Flow Auto Discover RSS and QR code discovery for podcasts Subscribe to our newsletter at podnews.net.We're sponsored by Buzzsprout; their CoHost summary tool made these show notes.Support the showConnect With Us: Email: weekly@podnews.netFediverse: @james@bne.social and @samsethi@podcastindex.socialSupport us: www.buzzsprout.com/1538779/supportGet Podnews: podnews.net

A heated political commentary out of Texas claims a dramatic power shift inside the Republican Party following a major primary outcome. Supporters describe it as a rejection of establishment influence, while critics call the rhetoric extreme and historically loaded. The episode focuses on allegations involving long-standing GOP factions, political operatives, and figures such as Ken Paxton, alongside references to former President George W. Bush and broader accusations about party ideology, globalism, and immigration policy.

Today in the business of podcasting:Spotify is expanding its Verified by Spotify badge to podcast shows, adding a green checkmark to identify official creator, publisher, and brand presences on the platform based on listener activity, platform standing, and audience authenticity.The 2026 Podnews Report Card collected 779 pieces of community feedback on major podcast platforms, with YouTube reaching second place in the overall rankings for the first time, just behind Apple Podcasts and ahead of Spotify.A new WARC report, The Multiplier Playbook, surveying more than 200 senior marketers finds that 60% say their C-suite does not fully understand the role of advertising, and only 21% say advertising objectives align with broader corporate goals.New Omeda research finds 70% of publishers consider audience data critical, yet only 9% of their organizations use it effectively, a gap writer Brian Morrissey links to decentralized and siloed data infrastructure.YouTube is rolling out its AI-powered likeness detection technology to all eligible creators over 18, expanding access beyond select YouTube Partner Program members and allowing users to set up protection via ID verification.To find links to these, and every article covered in today's episode, click here. You can also subscribe to The Download's newsletter to receive the full issue straight to your email inbox every day.

Today in the business of podcasting:Spotify is expanding its Verified by Spotify badge to podcast shows, adding a green checkmark to identify official creator, publisher, and brand presences on the platform based on listener activity, platform standing, and audience authenticity.The 2026 Podnews Report Card collected 779 pieces of community feedback on major podcast platforms, with YouTube reaching second place in the overall rankings for the first time, just behind Apple Podcasts and ahead of Spotify.A new WARC report, The Multiplier Playbook, surveying more than 200 senior marketers finds that 60% say their C-suite does not fully understand the role of advertising, and only 21% say advertising objectives align with broader corporate goals.New Omeda research finds 70% of publishers consider audience data critical, yet only 9% of their organizations use it effectively, a gap writer Brian Morrissey links to decentralized and siloed data infrastructure.YouTube is rolling out its AI-powered likeness detection technology to all eligible creators over 18, expanding access beyond select YouTube Partner Program members and allowing users to set up protection via ID verification.To find links to these, and every article covered in today's episode, click here. You can also subscribe to The Download's newsletter to receive the full issue straight to your email inbox every day.

On today's podcast episode, we discuss three big questions surrounding Spotify right now: Why has the audio giant's ad revenue stalled? What would a Spotify lifestyle app look like? Has Spotify solved the AI problem by adding “Verified” badges to distinguish human artists from AI-generated ones? And more.   Join Senior Director of Podcasts and host Marcus Johnson, along with Senior Editor of our Marketing and Advertising Briefing, Daniel Konstantinovic. Listen everywhere, or watch on YouTube and Spotify.   Get more insights like these with our free, industry-leading newsletters covering advertising, marketing, and commerce. Sign up at emarketer.com/newsletters Follow us on Instagram at: https://www.instagram.com/emarketer/ For sponsorship opportunities contact us: advertising@emarketer.com For more information visit: https://www.emarketer.com/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode click here: https://www.emarketer.com/content/podcast-spotify-lifestyle-app-badges-fix-spotify-ai-issue-3-big-questions-spotify-behind-numbers © 2026 EMARKETER

Welcome to Champions for Life online sermon player. We pray that each message will bless you by teaching you how to walk in love, live by faith and experience God's prosperity in every area of life. We know faith comes by hearing and hearing by the Word

Welcome to Champions for Life online sermon player. We pray that each message will bless you by teaching you how to walk in love, live by faith and experience God's prosperity in every area of life. We know faith comes by hearing and hearing by the Word

Welcome to Champions for Life online sermon player. We pray that each message will bless you by teaching you how to walk in love, live by faith and experience God's prosperity in every area of life. We know faith comes by hearing and hearing by the Word

Welcome to Champions for Life online sermon player. We pray that each message will bless you by teaching you how to walk in love, live by faith and experience God's prosperity in every area of life. We know faith comes by hearing and hearing by the Word

Michael plays devil's advocate and argues that human societies naturally refine their values over time. Monogamy works better. Less crime is good. These truths emerge through trial and error. Matt pushes back hard. Without truth and love as a fixed reference point, he argues, the word "better" loses all meaning. What looks like natural progress is actually borrowed capital from a civilization built on Judeo-Christian values. They explore Canada's assisted suicide program, the sterilization of young people through the transgender movement, and Nietzsche's warning that removing God does not just remove religion. It unmoors everything. This one goes deep. It is about what happens when a culture forgets where its values came from. And why substituting anything for God makes your world smaller. Cheers y'all

Technieuws Fabriek voor synthethische kerosine in de Gentse haven Universiteiten benaderen ShinyHunters om datalek na Canvas-hack te voorkomen | Digital Trust Center meldt afname van ransomware-incidenten in Nederland | ChipSoft zegt dat alle door hackers gestolen data is vernietigd Zelfrijdende Tesla's op Vlaamse snelwegen? Google Fitbit Air-fitnesstracker heeft geen scherm en kost 100 euro Verified badges bij Spotify What I saw at the Musk-OpenAI trial: petty billionaires, protests and a stern judge | The no-nonsense judge calling the shots in Musk v Altman trial Deutsches Technikmuseum Reportage Podcast over de Einstein Telescoop Deep dive I installed Bazzite on my PC, and it has me reconsidering Windows | Linux Gaming Still has a Ways to Go.. Bazzite on a Gaming Laptop Review | Bazzite isn't the Windows gaming replacement everyone hopes it is | Thousands of gamers are installing Bazzite instead of sticking with Windows — and the reasons behind the shift are surprisingly compelling VR voor gamers bestaat 10 jaar Op zaterdag 20 juni in de namiddag plannen we weer een live opname bij Lab9 Brussel Gare Maritime. Ben je er graag bij? Schrijf je dan snel in! De plaatsen zijn beperkt.

In this episode, we break down the top five reasons Google Business Profiles get denied during the video verification process. From inconsistent branding to missing proof of business operations, we cover the simple best practices green industry businesses should follow to improve their chances of getting verified and showing up in local search results. Important Links: https://www.brandedbull.com/  https://www.instagram.com/brandedbull/ https://www.facebook.com/brandedbullinc https://www.lawntrepreneuracademy.com/ 

Deeper at Life Podcast: https://podcasts.apple.com/us/podcast/deeper-at-life/id1839601155https://open.spotify.com/show/1rooNudWAxyAdzhtD4N0e6?si=2e8fabf2885144fdConnect with us! https://www.lifebaptistchurch.com/connect

Episode 297: The next wave of cybersecurity hiring is sending a clear message: without AI fluency, you may not be employable. U.S. cyber pipelines are adding AI skill requirements because modern defense now includes securing AI systems themselves. From semi‑autonomous agents to fast‑moving model‑driven threats, the job is shifting fast. If you're aiming for a government or enterprise cyber role, this breakdown clarifies what real “AI fluency” means and why it's becoming a baseline skill.Then we pivot to the strange side of AI behavior and why it still matters. OpenAI models inserting goblins and gremlins into answers sparks a deeper look at alignment, training loops, and user trust. Spotify's human‑verified artist badges highlight how authenticity is becoming a product feature as AI‑generated music floods platforms. We close with the AI layoff boomerang and Sony's 30‑day license check debate, raising big questions about transparency, ownership, and the future of digital media. Tune in to TechTime Radio—where the future is now, the stories matter, and all with a little whiskey on the side.-- Full Episode Details:The next wave of cybersecurity hiring is sending a blunt message: if you don't understand AI, you may not be employable. We dig into reports that U.S. cyber pipelines are adding AI skill requirements because modern defense isn't just about protecting networks anymore. It's about using AI for defense while also securing AI systems themselves, from semi autonomous agents to fast moving model driven threats. If you're aiming for a government or enterprise cyber role, this one helps you think clearly about what “AI fluency” actually means in practice and why it's becoming a baseline skill.Then we pivot to the weird side of AI behavior and why it still matters. A story about OpenAI models that wouldn't stop inserting goblins, gremlins, and other cryptids into answers turns into a real conversation about AI alignment, training feedback loops, and the growing trust gap between users and the systems they rely on. If AI can pick up bizarre habits that fast, what else is it learning and when do those quirks become a real problem?We also talk about AI generated music and the reason Spotify is rolling out human verified badges. With AI tracks blending into TikTok trends and streaming playlists, transparency and authenticity are turning into product features. To close, we hit the AI layoff boomerang where companies cut jobs “because of AI” and then scramble to rehire, plus a heated take on Sony's 30 day license countdown for some digital games and what it means for digital ownership versus physical media. If any of these stories made you go “hmm,” subscribe, share the show, and leave a review so more people can find Tech Time Radio.Support the show

Every major technological paradigm shift has broken society before it fixed it. The printing press, radio, television. Each one reshaped how we communicate and what we believe. Now the internet, social media, and AI are repeating the pattern at unprecedented speed. Joel Breakstone, co-founder and executive director of the Digital Inquiry Group, has spent over a decade studying how people evaluate online information, and what he's found is alarming: students, academics, and everyday adults are failing at even the most basic tasks of digital discernment. But his research also reveals a path forward, built on the surprisingly simple strategies of professional fact checkers.Episode Highlights: [00:01:55] Was the internet a huge mistake? [00:08:30] From Stanford History Education Group to the Civic Online Reasoning curriculum [00:12:35] Fact checkers vs. PhDs vs. Stanford freshmen: who evaluates sources best? [00:15:20] Lateral reading: the counterintuitive skill that changes everything [00:26:20] The collapse of institutional trust and rise of influencer trust [00:31:05] AI as both threat and tool for digital literacyNotable Quotes: Joel Breakstone [00:11:25]: "The myth of the digital native is very much a myth. Young people, like the rest of us, need help making sense of the unbelievably crowded and confusing landscape that we encounter when we go online." Joel Breakstone [00:27:30]: "It can become really easy to just throw your hands up in the air and say, 'Nothing's real. I don't know what to trust.' And that is a really dangerous place for us to end up because it plays into the hands of authoritarians."Resources & Links:Digital Inquiry Group — https://www.inquirygroup.org/Civic Online Reasoning (COR) Curriculum — https://cor.inquirygroup.org/Verified by Mike Caulfield & Sam Wineburg — https://press.uchicago.edu/ucp/books/book/chicago/V/bo207015182.htmlHosted by Eric Ressler, Founder & Creative Director of Cosmic, with co-host Jonathan Hicken, Executive Director of the Seymour Marine Discovery Center. New episodes every Tuesday.→ Subscribe: designingtomorrow.show → Work with Cosmic: designbycosmic.comListeners, now you can text us your comments or questions by clicking this link.*** If you liked this episode, please help spread the word. Share with your friends or co-workers, post it to social media, “follow” or “subscribe” in your podcast app, or write a review on Apple Podcasts. We could not do this without you!We love hearing feedback from our community, so please email us with your questions or comments — including topics you'd like us to cover in future episodes — at podcast@designbycosmic.comThank you for all that you do for your cause and for being part of the movement to move humanity and the planet forward.

The core structural shift highlighted is the movement of security for Managed Service Providers (MSPs) from best-effort practices to a regulated, continuously verified service operation. This change is being driven by the compression of vulnerability exploit timelines as a result of attackers leveraging both automation and AI, and by regulators imposing hard patching and compliance deadlines. Companies such as ConnectWise and Microsoft are central, with federal agencies (CISA) now converting exploited vulnerabilities into time-bound remediation mandates. A significant development underscoring this shift is the addition of two known exploited vulnerabilities—CVE-2024-1708 in ConnectWise ScreenConnect and CVE-2026-32202 in Microsoft Windows Shell—to CISA's remediation requirements. Agencies must address these by May 12, 2026, marking a move from tracking to deadline-driven action. Reports from Huntress and TechCrunch confirm that real-world attackers rapidly exploit public vulnerability information, and Microsoft's own documentation illustrates attackers increasingly using Microsoft Teams for social engineering, remote assistance, and privilege escalation. Supporting developments include major vendors like Microsoft integrating models from Anthropic into their security development lifecycle to accelerate vulnerability discovery and remediation. However, studies noted by The Hacker News and The Verge indicate that AI-driven discovery is outpacing operational capacity, creating a growing discovery-to-remediation gap. At the organizational level, information from the Reveal 2026 IT Talent Survey indicates that 8 in 10 technology leaders face significant shortages in AI and cybersecurity skills, compounding the operational burden of continuous security verification. For MSPs and IT leaders, these factors combine to increase operational complexity, require more explicit contract scoping and evidence obligations, and shift oversight from periodic compliance towards continuous, demonstrable verification. Contractual ambiguity—especially when services are described as “best effort”—exposes providers to unmeasured labor and unassigned accountability. Practical steps now include reclassifying business collaboration platforms as active attack surfaces, formally auditing and documenting previously “invisible” tasks, and aligning internal operations with external, regulator-mandated verification standards. 00:00 AI Patches Gaps 05:10 Discovery Isn't Enough 07:11 Reprice or Absorb 10:24 Why Do We Care?  Supported by:   Moovila  Zero Networks   Upcoming event:  The Pivotal Point of IT: Building Services for the AI-First Era Date: May 13 at 1p.m. EDT Register: https://go.acronis.com/davesobelaiera  

In this episode, Shaun Park discusses the creation of view1sthome.com, a platform designed to verify off-market real estate listings, combat fraud, and facilitate transparent transactions for investors and homebuyers. He shares insights into the platform's unique features, target audience, and future growth plans.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Samurai Sword Lessons & Heat Health Hacks PodcastFIVE PRIMARY POINTS of the PODCAST* Coffee is a Verified Vitality EnhancerExtensive research across hundreds of thousands of participants shows that coffee improves physical, mental, and cognitive performance, supporting overall vitality and longevity.* 2–3 Cups Per Day is the Optimal AmountThis range is consistently associated with the greatest benefits—including lower risks of dementia, depression, and cardiovascular disease—while excessive intake may reduce benefits or increase risks.* Coffee Improves Brain Health and StructureStudies link moderate coffee intake to better cognitive performance, reduced dementia risk, and even favorable brain MRI findings such as greater cortical thickness.* Gut Microbiome is a Key MechanismCoffee reshapes gut bacteria, reduces inflammation, and influences mood and cognition through the gut–brain axis—even decaf provides benefits via polyphenols.* Vitality Extends Beyond Biology—Purpose Matters A story of a doctor who pivoted to running an ice cream business highlights a deeper principle: vitality comes from aligning work with joy, meaning, and service—your “second chapter” is always possible.Copyright, VyVerse, LLC. All Rights Reserved. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit vitalityexplorers.substack.com/subscribe

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Get 3 Free Months of Trading Software, 100 Days Of FREE Commissions & 33% off commissions FOR LIFE with My Preferred Broker!  FREE Trading Journal (stop paying for online journal) In today's episode, I'm joined by Alex Temiz, professional day trader and co-founder of My Investing Club. Starting 11.5 years ago as a barista with little capital, Alex spent his first year losing money and his second year breaking even before finally cracking the code in year three with a repeatable pattern. Today, we discussed why trading is mental athletics rather than gambling, the critical importance of tracking your stats to identify your specific edge, and why success is less about making money and more about keeping it through strict risk management. Check it out. Alex

On today's episode, Editor in Chief Sarah Wheeler talks with Real Estate Editor Tracey Velt about the companies moving up the list in the RealTrends Verified rankings and the latest news on private listings. Related to this podcast: RealTrends Verified launches 2026 top brokerage rankings HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Total Expert click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Every public company's R&D number is a lie hiding in plain sight. Not because anyone falsified it. Because the number was never built to tell the truth. It was built to satisfy an accounting standard written in 1974. And for fifty years, boards, analysts, and CEOs have been making billion-dollar innovation decisions based on a number designed by accountants to solve a different problem entirely. Here's what makes this genuinely strange. The real number exists. The government has been collecting it from every major US company for decades. It would answer the question every innovation leader and investor actually needs answered. And it is locked away by federal law. Confidential. Never published. Never seen by the people who need it most. It's sitting in a federal database right now. And there's a way to estimate it for any public company, without asking anyone's permission. I know it exists because I spent years building it from the inside. Why the R&D Signal Was Blurry When I was running innovation at HP, we discovered this problem firsthand. We had a connection between R&D investment and gross margin that held up across decades of HP history. Better than anything Wall Street was using. But the signal was blurry. None of us could figure out why. The answer came from a question someone on the team asked almost as an aside. What if R&D isn't one thing? Research and Development Are Not the Same Thing Think about what actually lives inside a typical R&D budget. There's a team somewhere investigating whether a new approach could enable a capability that doesn't exist yet. No product defined. No spec written. Asking whether something is even possible. And there's a team building the next version of a product that ships in eighteen months. Spec locked. Timeline set. Engineering executing against a defined target. Both show up on the same line in the budget. Both get called R&D. Both count equally toward the number that gets reviewed every quarter. They are not the same thing. One is Research. The other is Development. Research is the work you do when you don't yet know what you're building. The output is understanding. New knowledge that might enable future products nobody has designed yet. You can't know exactly what you'll find. If you already knew, it wouldn't be research. Development is the work you do when you know exactly what you're building. The spec exists. The product is defined. The question isn't what to make. It's whether it can be made, on time, at cost, at quality. One creates the future. The other delivers the present. And for fifty years, every public company in America has been required to report them as one indistinguishable number. When we split the HP data along that line, Research on one side and Development on the other, the signal sharpened immediately. Research spend, measured against gross margin three to five years later, was a meaningfully stronger predictor than the combined number had ever been. The blur hadn't been in the gross margin data. It had been in the R&D number itself. Two fundamentally different things, averaged together, producing a number that looked precise and predicted almost nothing. But splitting R from D at the company level was only the beginning. The model was still lying to us. Just more quietly. Why Company-Level R&D Splits Still Mislead Even with the split, something was still soft. HP wasn't one business. It was dozens. Printers, PCs, servers, software, each running on different timelines, different technology cycles, different competitive dynamics. What if the R/D split meant something different depending on where it was applied? We pushed it to the product line level. Then further, to the platform level within product lines. Printers were the clearest example. HP's printer business wasn't one story. There were platforms built on established technology. Mature ink systems, proven print head chemistry, products that had been shipping for years. And there were platforms built on genuinely new core technology. New chemistry. New mechanisms. New approaches to fundamental problems that nobody had solved yet. Research investment by platform told a completely different story than Research investment by product category. The Research going into new technology platforms had a completely different relationship to future margin than Research going into mature platforms. Different time horizons. Different risk profiles. Different margin implications years down the road. Laptops told the same story. A traditional consumer laptop line and a high-performance portable workstation weren't the same investment. One was Development-heavy. Defined product, known market, engineering executing against spec. The other had genuine Research behind it. Unsolved thermal problems, new form factor constraints, and materials questions that hadn't been answered yet. When a single R&D assumption is applied across all of that, treating every dollar the same regardless of what it actually does, the signal disappears into the average. Peanut butter across the portfolio. The model only got honest when it got specific. Research by platform and Development by platform, matched against the margin performance of those specific platforms years later. Which platforms were building future margin? Which ones were running on margin that past Research had already bought? We could see it because we were inside the company. The question is whether anyone on the outside could ever see the same thing. The R&D Data the Government Collects and Won't Release Outside the internal budget process, everyone sees the same thing: a single line on the income statement. The US government recognized decades ago that the combined R&D number was analytically useless. So they built a system to collect the real one. The National Science Foundation runs a survey called the Business Enterprise Research and Development survey. The BERD survey. Every year, roughly 47,500 US companies are required to report their R&D spending broken into three categories: basic research, applied research, and experimental development. The split that every board and every investor needs to see. Mandatory. Collected. Verified. And then locked away. The firm-level data is confidential under federal law. The NSF publishes only industry-level aggregates. So every company fills out this survey and reports its real R/D split to the government. That data sits in a federal database. And the boards, investors, and analysts who need it most cannot access it. Researchers at Northwestern and Boston University were given rare access to that confidential data. What they found is striking. When companies face financial pressure and cut R&D, they don't cut Development. They cut Research. Almost entirely. Development barely moves. Every earnings squeeze. Every activist campaign. Every cost optimization program. Systematically targeting the one part of R&D that builds future margin. And because the combined number barely moves, nobody on the outside sees it happening. That's not a coincidence. That's the accounting standard doing exactly what it was designed to do: produce one clean number for the income statement. It was never asked to protect the future. How to Estimate the Research-to-Development Split Without Inside Access So what can actually be done without access to the locked data? More than most people realize. Step 1. Find the industry baseline. The aggregate BERD data is public at the sector level. Ask an AI tool for the Research-to-Development ratio for the relevant industry. That's the benchmark. Everything else gets measured against it. A company spending 8% of its R&D on Research in an industry where the average is 25% is telling you something the combined number never would. Step 2. Look at the gross margin trend compared to peers. Gross margin over time is the most honest external signal of Research health. A company with a declining margin relative to peers, while reporting flat or growing R&D spend, is almost certainly shifting the mix toward Development. The math works in the other direction, too. An AI tool can pull this comparison for any public company in minutes. This is exactly the signal that was invisible at HP until it was too late. Step 3. Look at patent trends compared to peers over time. Patents are an imperfect but useful directional indicator. Not because more patents always means more Research. It doesn't. But a sustained decline in patent output relative to peers, alongside flat R&D spend, suggests the investment is maintaining existing products rather than creating new knowledge. Combined with the gross margin trend, it starts to triangulate where the split actually sits. None of these three steps requires access to an internal budget. All of them can be done in an afternoon with public data and an AI tool. Together, they produce a working picture of the R/D split that the income statement was never designed to reveal. What the R&D Split Revealed at HP That No One Outside Could See When Hurd took over in 2005, HP was spending $3.5 billion on R&D. Roughly 4% of revenue. By 2009, his last full year as CEO, that had dropped to $2.8 billion. Revenue had grown significantly over that period, so the percentage had fallen further still, to under 2.5%. Both the dollar amount and the ratio were declining simultaneously while the company got larger. Wall Street tracked the combined number. The board reviewed it. Nobody raised a structural alarm. The Research component within that total was well below the industry average for comparable technology companies. Not slightly. Significantly. The margin consequences arrived years later. They always do. What Happens When the Definition of Research Doesn't Exist The R/D split gave us a real predictive signal. We ran with it. The conversations were sharper. But the team kept pulling on a thread that nobody expected. When we looked closely at what was actually being called Research, project by project and budget line by budget line, things that didn't feel the same kept appearing. Work aimed at fundamental discovery. Work aimed at solving a specific defined problem using entirely new methods. Both labeled Research. Up close, they behaved differently, predicted different things, and when budgets got tight, got treated very differently. So we went looking for the agreed definition. The official standard that would tell exactly where to draw the lines inside Research. It didn't exist. Not the way we needed it to. And without it, everything we'd built was sitting on sand. How do you build a predictive model on a definition that doesn't exist? That's the next episode. If this helped you see something you might have missed, subscribe wherever you listen to podcasts. On YouTube, hit subscribe and the bell so you don't miss the next episode. And if you want to go deeper every Monday, join us at Studio Notes — free, at philmckinney.com. Until next time. See the pattern. Make the call.  

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