Podcasts about verify

AI is changing sales fast. But is it actually replacing salespeople, or is it exposing the sellers who never developed real strategy skills? That's the question I explore in this conversation with John Stopper.John and I get into the difference between sales tactics and sales strategy, why AI can sometimes give sellers the wrong picture of a buyer, and why getting closer to the people involved in a deal can make the difference between winning and losing. We also talk about how sales teams can use AI to identify deal risks instead of simply using it to write more emails.Why AI Makes Sales Strategy More ImportantAI can teach people sales tactics, but strategy requires a deeper understanding of the situation.Tactics focus on how to sell, while strategy focuses on who, what, when, where, and why.AI can help sellers execute many tactical tasks, but sellers still need to decide which approach fits the buyer and the situation.Strong sales strategy starts with understanding customers and what will actually compel them to buy.The goal is to choose the right strategy based on the conditions of the deal.Tactics vs. Strategy: The Baseball Analogy — 03:38Knowing how to throw every pitch does not mean you know which pitch to throw.A baseball pitcher may have four or five pitches available.The right pitch depends on the batter, pitch count, runners on base, and inning.Sales works the same way. The skill is not just knowing the sales playbook but knowing which strategy to use in the moment.Choosing the right strategy can improve your position, accelerate velocity, and compress time.The Principle of Reality: Don't Trust Every AI Answer AI can give both buyers and sellers information that does not accurately reflect the current situation.Buyers can use AI to research a salesperson or company before the first conversation.Sellers can also build their account research around outdated or incomplete information.A polished AI summary can create false confidence if it does not reflect what is actually happening.Sellers should verify their assumptions instead of treating AI research as unquestionable fact.How to Surface Reality With Better Questions The first sales conversation is an opportunity to check whether both sides are working from the right information.Ask the buyer what their AI research has shown them about your company, product, or you.Share what your research has shown you about their company and ask whether you have it right.Use the conversation to identify what is missing from your research.Verify the situation before choosing your sales strategy.Different Buyers Require Different StrategiesThe right message depends on the person you are selling to.End users often care about doing their jobs faster, better, or cheaper.Managers may care more about how a solution affects their team and the risks involved.Executives are more likely to focus on strategic growth and business outcomes.Sellers need to understand the buyer's role before deciding what value to emphasize.The Principle of Proximity: Get Closer to the Buyer “Proximity sells” because sellers need to understand the buyer's world deeply enough to bring useful insight.Proximity is not about becoming the buyer's friend.It means understanding the buyer's business and seeing things from both inside and outside perspectives.Sellers should get close to the people who can influence the deal, not only the person who can approve it.Outside experience can help sellers bring insights the buyer may not have considered.Find the People Who Can Say No A deal can have strong champions and still fail because someone else inside the organization has the power to stop it.Identify the people who may resist the purchase.Ask your champion who in the organization could have concerns about the solution.Reach out to those people directly instead of waiting for their objections to appear later.Address potential resistance before it becomes a deal-ending problem.Use AI to Identify Deal Risk AI can be useful when it helps sellers think through what could go wrong.Ask AI to research the people and roles that may resist a purchase.Identify possible objections and resistance points before they appear.Continue updating the research as the deal progresses because new risks can emerge.Use AI to help build a deal strategy around what could prevent the deal from closing.Bridging Strategy: Build Relationships Across the Account One salesperson should not have to carry every relationship in a complex B2B deal.Sales managers can connect with the buyer's manager.Product leaders can connect with the buyer's technical leaders.CEOs can connect with other executives when the situation calls for it.Each person can carry a message that matches their role and expertise.Multiple relationships can help both companies become more familiar with each other.Why Executives Still Have a Role in Selling Executive involvement can be part of the sales process, especially when selling complex solutions.Executives have revenue responsibilities too.A salesperson can prepare an executive with the person's profile, the situation, the message to communicate, and the information to bring back.AI can take more operational work off the team's plate.That creates more room for leaders to spend time with customers and support revenue-generating conversations.Salespeople Need to Become Strategists As AI makes more sales information and tactics available, the ability to create useful insight becomes more important.AI has reduced the advantage that once came from simply knowing sales tactics.Sellers need to know how to use information, not just access it.The goal is to tell buyers something they do not already know.Strategy determines what insight to deliver, when to deliver it, and who should deliver it.Human-to-Human Selling Still Matters AI and digital tools should not replace direct conversations with buyers.At minimum, sellers should use video calls when meeting in person is not possible.Direct conversations can help uncover what digital research misses.Meeting a buyer in person can build trust and show a willingness to make an effort.Sales still depends on human relationships, especially when decisions are complex.Key Quote from the Episode“AI has commoditized a lot of that advantage. So now to me, selling and strategy is about how can I tell them something they don't know?” — John StopperResources:John Stopper: johnstopper.comJohn's website also offers a free, no-obligation deal strategy report. Submit a company you are trying to sell to, and he will run it through his COMPASS system and provide a deal strategy report.Email: J Stopper at Northstore.com LinkedIn: John StopperSponsorship OffersThis episode is brought to you in part by Hubspot.With HubSpot sales hubs, your data tools and teams join a single platform to close deals and turn prospects into pipelines. Try it for yourself at hubspot.com/sales.This episode is brought to you in part by LinkedIn.Are you tired of prospective clients not responding to your emails? Sign up for a free 60-day trial of LinkedIn Sales Navigator at linkedin.com/tse.This episode is brought to you in part by the TSE Sales Foundation.Improve your connection on LinkedIn and land three or five appointments with our LinkedIn prospecting course. Go to the salesevangelist.com/linkedin.CreditsAs one of our podcast listeners, we value your opinion and always want to improve the quality of our show. Complete our two-minute survey here: thesalesevangelist.com/survey. We'd love for you to join us for our next episodes by tuning in on Apple Podcast,

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gregory Richardson. A cybersecurity expert and AI consultant. The conversation explores cybersecurity best practices, the rise of AI, and how Gregory is helping churches and nonprofits leverage technology to spread the gospel.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gregory Richardson. A cybersecurity expert and AI consultant. The conversation explores cybersecurity best practices, the rise of AI, and how Gregory is helping churches and nonprofits leverage technology to spread the gospel.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gregory Richardson. A cybersecurity expert and AI consultant. The conversation explores cybersecurity best practices, the rise of AI, and how Gregory is helping churches and nonprofits leverage technology to spread the gospel.

Want to get even more jacked? Grab the RP Hypertrophy App for your training, and maximize your gym efforts with the RP Diet Coach App to nail your nutrition.   Dr. Pak's Links: Website: drpak.com Instagram: @dr__pak YouTube: @Dr__Pak Book: Train Smarter, Not Longer   00:00 Why deloads are so controversial 01:40 What deloads were originally supposed to do 03:03 The first research and the case for reactive deloads 05:27 What studies on time off actually show 07:20 How Nick and Mike discovered deloads in practice 15:47 Training around aches, fatigue, and heavy workloads 20:10 Verify fatigue with performance before taking time off 26:17 Beginners, advanced lifters, and deload frequency 28:01 Vacations and real-life opportunities to reduce training 36:05 Exercise swaps, pain management, and staying consistent 40:22 Nick's practical approach to scheduled deloads 48:14 Coaching athletes through an intentionally easier week  

Greenwashing can start when a communications team turns solid sustainability data into an overstated claim, says Helen Neal. The founder of HN Communications, a certified B Corp sustainability communications consultancy, talks with the Environmental Transformation Podcast host Sean Grady about the gap between corporate progress and public credibility. She explains how companies can speak about climate action without exaggerating results or going silent out of fear of scrutiny.Neal details her IMPACT framework: integrity, meaning, proof, action, consistency and transparency. She also explains how Zena, the artificial intelligence platform she developed, reviews websites, press releases and sustainability reports for potential regulatory risks. Rather than rewriting copy, the tool coaches users to identify missing evidence, clarify claims and explain how results were achieved. Neal says it still requires human review and is not a substitute for legal advice.The conversation also covers the pressure on 2030 commitments, why sustainability needs support from the chief executive and how tying bonuses to measurable goals can spread responsibility across a business. Neal makes the case for treating secure supplies, reliable energy and ethical procurement as long-term business priorities rather than simply the right thing to do.She traces her move from corporate work to building a flexible, remote consultancy and explains why she created the Climate Leaders Community for women in sustainability. Her message to boardrooms: use technology to understand the data, but keep telling the human stories behind the work.Contact Helen Neal: helen@hncommunications.co.ukFind Helen Neal and HN Communications on LinkedIn.#Greenwashing #SustainabilityCommunications #ClimateLeadershipThanks to our Sponsors: Cascade Environmental, E-Tank, WASTELINQTAGS:Helen Neale, Xena AI, Zena review, HN Comms, green hushing, ESG reporting, environmental advertising, green claims review, corporate accountability, climate risk communication, supply chain resilience, Scope 3 emissions, sustainability governance, responsible marketing, circular economy, climate commitments, sustainable procurement, brand trust, climate tech, environmental podcast

video: https://youtu.be/A_1UeqFux-Q This week in Linux, CERN makes some Linux news revolving around Debian, lawmakers are giving open source a way out of OS-level age verification ... well in California, and Ubisoft found away to make Linux gaming news frustrating right at the same time as we hit a huge milestone for Linux gaming. Plus, Audacity gets one of its biggest updates in years, OpenShot levels up in a big way, and Linux From Scratch has a brand new release for everyone who thinks installing Linux should require just a little more suffering. All of this and more on This Week in Linux, the weekly news show that keeps you up to date with what's going on in the Linux and Open Source world. Now let's jump right into Your Source for Linux GNews! Download as MP3 Support the Show Become a Patron = tuxdigital.com/membership Store = tuxdigital.com/store Chapters: 00:00 Intro 00:55 CERN is moving some systems to Debian 05:26 California Legislature Passes Open-Source Exemption From OS Age Verification 09:56 30,000 Games Playable on Linux but Ubisoft Is Intentionally Blocking For Honor 16:46 Audacity 4.0 Released With a Completely Rebuilt Interface 20:31 OpenShot 4.0 Brings Major Upgrades 22:47 The Ur Project - A Clear Linux Architect Is Building a New Linux Distro 26:20 Linux From Scratch 13.1 Released 29:57 Ubuntu 26.04.1 LTS Released 32:16 Update: NVIDIA confirmed they are buying Hugging Face 34:24 Support the show 35:39 Outro Links: CERN is moving some systems to Debian https://ch2026.mini.debconf.org/talks/6-controlling-cerns-accelerators-with-debian/ https://micronews.debian.org/2026/1788286274.html https://linux.web.cern.ch/debian/ https://www.phoronix.com/news/CERN-Goes-Debian-Leaving-RHEL https://itsfoss.com/news/cern-debian-push/ California Legislature Passes Open-Source Exemption From OS Age Verification https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB1856 https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB1856 https://agelesslinux.org/ https://www.gamingonlinux.com/2026/08/california-bill-ab-1856-passes-exempting-open-source-from-age-verification/ https://www.phoronix.com/news/California-AB-1856-Passes https://www.linux-magazine.com/Online/News/Linux-Exempt-from-California-s-Age-Verification-Law 30,000 Games Playable on Linux but Ubisoft Is Intentionally Blocking For Honor https://www.gamingonlinux.com/2026/08/steam-deck-steamos-hit-over-30-000-verified-playable-games/ https://www.ubisoft.com/en-us/game/for-honor/news-updates/4WKJhG6v6C9sbCOZkFZ6wG/ranked-faq https://www.gamingonlinux.com/2026/09/ubisofts-for-honor-will-block-steamos-linux-on-september-10/ Audacity 4.0 Released With a Completely Rebuilt Interface https://www.audacityteam.org/audacity-4/ https://forum.audacityteam.org/t/audacity-4-is-out-now/153852 https://www.phoronix.com/news/Audacity-4.0-Released https://www.omgubuntu.co.uk/2026/09/audacity-4-released OpenShot 4.0 Brings Major Upgrades https://www.openshot.org/blog/2026/08/30/openshot-40-record-edit-color-like-never-before/ https://www.phoronix.com/news/OpenShot-4.0 https://www.omgubuntu.co.uk/2026/08/openshot-4-0-release The Ur Project - A Clear Linux Architect Is Building a New Linux Distro https://www.linkedin.com/feed/update/urn:li:activity:7499950666367459328/ https://ur.foo-projects.org/ https://www.phoronix.com/news/The-Ur-Project https://itsfoss.com/news/the-ur-project-appears/ Linux From Scratch 13.1 Released https://www.linuxfromscratch.org/news.html https://www.linuxfromscratch.org/lfs/downloads/stable-systemd/LFS-BOOK-13.1-NOCHUNKS.html https://www.linuxfromscratch.org/lfs/view/13.1-systemd/chapter01/changelog.html Ubuntu 26.04.1 LTS Released https://www.omgubuntu.co.uk/2026/08/ubuntu-26041-lts-point-release-download https://www.phoronix.com/news/Ubuntu-26.04.1-LTS-Released Update: NVIDIA confirmed they are buying Hugging Face https://blogs.nvidia.com/blog/nvidia-to-acquire-hugging-face/ https://www.reuters.com/business/nvidia-buy-hugging-face-nearly-13-billion-big-bet-open-ai-models-2026-09-03/ https://www.reuters.com/commentary/breakingviews/nvidia-wraps-itself-129-bln-insurance-2026-09-03/ Support the show https://tuxdigital.com/membership https://store.tuxdigital.com/

In this video, you will learn how to set up a secure and air-gapped laptop using Ubuntu Linux for managing Bitcoin. I walk you through the entire process of downloading the software, verifying the files for authenticity, and creating a bootable USB drive. The tutorial also covers the installation steps on an old laptop, including how to configure disk encryption to protect your data. By the end of this guide, you will have a dedicated and private environment ready for your secure hardware wallet setup.Ubuntu https://releases.ubuntu.com/Gpg program https://www.gpg4win.org/Rufus for bootdrivehttps://rufus.ie/en/Command for checking gpg --keyid-format long --keyserver hkps://keyserver.ubuntu.com --recv-keys 843938DF228D22F7B3742BC0D94AA3F0EFE21092 C5986B4F1257FFA86632CBA746181433FBB75451cd ~/Downloadsgpg --keyid-format long --verify SHA256SUMS.gpg SHA256SUMS.txtGet-FileHash -Algorithm SHA256 .ubuntu-26.04-desktop-amd64.isoList of items needed.Laptop for dedicated Air gap deviceComputer with pruned or full node (umbrel or start9 works)M-disc writable driveM-discsUSB flash drivesWebcam if the laptop one doesn't work well enough.Guide I am roughly followinghttps://github.com/bowlarbear/yeti-2.000:00 Intro & why use Ubuntu for an air-gapped laptop01:36 Resources & Yeti Cold 2.0 guide02:08 Downloading Ubuntu Desktop & SHA256 sums03:04 Saving verification files correctly03:39 Installing GPG for Windows to verify downloads04:27 Verifying Ubuntu keys via PowerShell05:04 Calculating the ISO fingerprint/hash05:42 Creating a bootable USB drive with Rufus06:50 Booting the old laptop from USB (F12 Menu)07:16 Ubuntu installation process & hardware errors07:58 Setting up disk encryption & passphrases08:26 Finalizing installation & restarting08:48 First look at the secure Ubuntu desktopBook a 1|1 Bitcoin Consulting call with mehttps://pathtobitcoin.xyz/Join my Bitcoin Learning Community & and access Free Courseshttps://www.skool.com/the-bitcoin-masters-4115/Where I buy Bitcoin (Free BTC & Non-KYC options)https://bitcoinwell.com/referral/bitcoinnotcrypto15% Stampseed Titanium Seed plates (BEST WAY TO STORE BTC PRIVATE KEYS)https://www.stampseed.com/USE CODE : BTCNOTCRYPTO155% off the MicroSeed Stamping kit CODE : HODLhttps://microseed.io/?ref=HODL5% off Start9 servers for plug & play Bitcoin NodesCODE: BNC5https://store.start9.com/Umbrel home for a Bitcoin node and home serverhttps://a.umbrel.com/hodl/umbrel-homeAffordable Privacy Phones & deviceshttps://www.mark37.com/ref/BNC/5% off using code : BNCBuy a Bitforge or Bitaxe here!https://dtvelectronics.com/store/?aff=22Use code hodl for 10% offHardware wallet optionsBlockstream Jade plushttps://rewards.blockstream.com/ci9jj4Keystone 3 PRO 5% off using code ForrestHODLhttps://bit.ly/4qfJsVjBitboxhttps://shop.bitbox.swiss/?ref=yfghxxctFree Open Source Bitcoin and Investment tracking toolshttps://plebtools.com/Become a Member of the Channel, Get exclusive content, and livestream playbackhttps://www.youtube.com/channel/UC2aM2gVVEHTu0pfE1ZyA0BQ/joinFollow Rajat, Jor, and I's new show togetherhttps://www.youtube.com/@MapleBitcoinJoin our Communityhttps://www.skool.com/maplebitcoinListen to this as a podcasthttps://podcasters.spotify.com/pod/show/bitcoinnotcryptoFollow me on Nostrnpub1zqm9zant0rxf49wfgw8pt5h0j50cetfes6hwa73u7sxstlzcsz8qh6x9fsFollow on Twitter/Xhttps://x.com/forrestHODLDonate to the show herehttps://coinos.io/BNCVFVSome of the above links may be Affiliate links that support this show at no extra cost to you. None of the links are Sponsored links. This allows me to only promote products and services I personally use and believe in.

Tune in to our weekly LIVE Mastermind Q+A Podcast for expert advice, peer collaboration, and actionable insights on success in the Probate, Divorce, Late Mortgage/Pre-Foreclosure, and Aged Expired niches! In this week's All The Leads Mastermind, the conversation explores how agents and investors can turn probate opportunities into long-term relationships, referrals, and repeat business. Members share creative ways to grow their sphere of influence, from connecting with neighbors at estate and yard sales to staying in touch with past clients through personal calls, seasonal cards, market updates, gifts, and other memorable touches. The group emphasizes that a single probate transaction can lead to years of additional business when everyone involved is treated as a potential long-term relationship. The episode also tackles the growing role of artificial intelligence in real estate. While AI can be an incredibly useful tool, the coaches caution against blindly trusting its answers and discuss why human connection is becoming even more important as consumers are inundated with automated outreach. The conversation wraps up with practical advice on avoiding spam-labeled calls, building a sphere around out-of-state probate leads, and why the most successful lead programs combine consistent outreach, direct mail, websites, training, and long-term follow-up rather than relying on leads alone.  Key Takeaways Turn probate leads into long-term business. Stay connected with clients, family members, neighbors, and others you meet through the transaction to create future referrals and opportunities.  Look beyond the property for new opportunities. Estate sales and neighborhood outreach can introduce you to potential sellers and expand your sphere.  Stay memorable with personal touches. Calls, cards, gifts, seasonal greetings, and genuine check-ins can keep you top of mind long after the initial conversation.  Use AI, but don't blindly trust it. Verify important information and use AI as a tool rather than treating every answer as fact.  Keep the human element in your outreach. As automated calls and AI-generated marketing become more common, genuine personal interaction can help you stand out.  Don't rely on leads alone. Consistent calling, direct mail, a strong website, training, and repeated follow-up work together to create a more complete lead-generation system.  To learn more, visit https://www.AllTheLeads.com or call (844) 532-3369 to check how many leads are available in your market.  #LeadGeneration #SphereOfInfluence #ReferralMarketing #RealEstateAI Previous episodes: AllTheLeads.com/probate-mastermindInterested in Leads? AllTheLeads.comJoin Future Episodes Live in the All The Leads Facebook Mastermind Group:  https://facebook.com/groups/alltheleadsmastermindBe sure to check out our full Mastermind Q&A PlaylistSupport the show

The Basement Suite Cashflows - But Is It Actually Legal? A basement suite can make a rental property look fantastic on paper. Two rents. Better cash flow. Stronger returns. But there is one question investors sometimes forget to ask before removing conditions: Is the basement suite actually legal? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain how investors can verify whether a secondary suite is permitted, why an illegal or non-conforming suite can create serious financial risk, and what could happen if the city, lender or insurance company eventually starts asking questions. They also discuss the Bank of Canada's latest interest-rate announcement, why investors shouldn't build deals assuming rates are going to fall, and why sufficient cash flow is what protects a rental portfolio when borrowing costs change. What You'll Learn Why the Bank of Canada holding rates doesn't mean investors should assume rates are headed lower How variable-rate mortgages and HELOCs are affected differently than fixed-rate mortgages Why Wayne believes deals should work at today's interest rates How the 5% Rule™ Cash Flow Test creates a cushion against higher borrowing costs Why reserve funds make property repairs and renovations much easier Why a basement suite can make a mediocre property look great on a spreadsheet How to determine whether a basement suite is actually legal Why pulling a permit does not necessarily mean the suite received final approval Why investors should confirm that the existing suite matches what was originally approved Why you should never automatically treat rent from an illegal suite as guaranteed income How an illegal suite can affect property value Why neighbours and former tenants can create unexpected problems What could happen if the municipality orders a secondary suite to stop operating Potential tenant relocation costs when a suite can no longer legally be occupied Why insurance becomes particularly important with non-conforming suites How Edmonton, Calgary, Winnipeg, Toronto and Vancouver differ when researching secondary suites Why Wayne and Gabby recommend buying or building legal suites whenever possible Bank of Canada Holds at 2.25% The Bank of Canada held its overnight rate at 2.25% in its September announcement. Wayne points out that the bigger story for investors is not simply that the rate stayed the same. It is the possibility that the environment could change. His message to investors is straightforward: Do not buy a rental property assuming interest rates are going down. Make the property work at today's numbers. If rates eventually fall, great. But your investment should not require that to happen. Variable vs. Fixed Mortgages Wayne also explains an important distinction. Changes to the Bank of Canada's overnight rate directly influence prime-based borrowing products such as: Variable-rate mortgages Adjustable-rate mortgages Home equity lines of credit A fixed-rate mortgage does not immediately change simply because the Bank of Canada changes its overnight rate. For investors with variable borrowing, however, rate increases can mean either higher interest costs or higher monthly payments depending on the mortgage structure. That makes cash flow especially important. Could Your Property Survive Higher Rates? Imagine your mortgage payment increases by $50 per month. Probably manageable. What if it rises by $500? Now the question becomes much more serious. Over a 20-year investment period, investors should expect interest rates to move. The property needs enough cash-flow cushion to survive those changes. Wayne points back to what happened when investors purchased properties during extremely low-rate environments and built their deals around financing conditions that did not last. When rates increased, some properties and projects could no longer support themselves. That is exactly the type of situation the 5% Rule™ Cash Flow Test is designed to help investors avoid. Why Cash Flow Creates Options Wayne and Gabby share another example from their own portfolio. One of their properties recently became vacant after several years. The property now needs repairs and improvements. But they are not scrambling to find the money. Why? The property's cash flow has been accumulating inside its reserve fund. That reserve can now pay for the work. No emergency credit card. No unexpected cash call to the joint venture partner. No panic. The rental business generated the money needed to maintain the rental business. That is how Wayne and Gabby believe a long-term portfolio should be built. Is That Basement Suite Actually Legal? The second major topic today begins with a situation Wayne recently heard about. An investor had been renting a basement suite when the municipality contacted them and wanted to inspect it. The problem? The suite was not properly permitted. Now the investor is facing questions about whether the tenant can continue living there and what happens to the economics of the property if that basement rent disappears. This is why Wayne believes investors need to verify secondary-suite status before purchasing the property. The Numbers Can Look Amazing Non-conforming suites can be tempting. Imagine two similar properties. One has a fully legal secondary suite. The other has a basement suite that looks almost identical but was never properly permitted. The non-conforming property may sell for less while producing almost the same advertised rental income. On a spreadsheet, that can look like an incredible deal. But that additional rent comes with risk. If something happens and you can no longer rent the basement separately, does the property still work? The Question Wayne Would Ask If you are considering purchasing a property with a non-conforming basement suite, Wayne suggests running a worst-case scenario: Does this property still cash flow if I cannot rent the basement separately? Assume the suite gets shut down. Assume you must rent the entire house as one unit. Does that rent still cover the property's expenses? Does it still pass the 5% Rule? If the answer is no, you need to understand exactly how much risk you are accepting. Wayne and Gabby's preference remains much simpler: Buy or build legal suites. Don't Overpay for an Illegal Suite Wayne gives a simple example. Imagine similar bungalows in a neighbourhood are worth: $400,000 A comparable property with a properly permitted legal suite might be worth: $500,000 Now imagine another $400,000 bungalow has an unpermitted basement suite. An investor sees the additional rental income and pays: $450,000 They think they received a bargain because it is cheaper than the legal suited property. But that unpermitted suite does not necessarily create the same market value as a fully legal one. You may have simply paid $50,000 too much for a $400,000 house. How to Check Whether a Basement Suite Is Legal Before buying a suited property, investigate it. 1. Check the Zoning Determine whether secondary suites are permitted under the property's zoning and municipal rules. 2. Check the Permits Find out whether the correct permits were actually issued for the secondary suite. Do not simply take the seller's word for it. 3. Confirm Final Inspections A permit being opened does not necessarily mean the work received final approval. Ask whether all required inspections were completed and the permit was properly closed. 4. Compare the Current Suite to What Was Approved A previous owner may have obtained approval and then changed the property afterward. Make sure today's layout and use still correspond with what was permitted. Some Cities Make This Easier Depending on where you are investing, your municipality may provide online tools that can help with the initial research. Wayne and Gabby discuss several examples. Edmonton has tools investors can use to research secondary-suite permits. Calgary has a secondary-suite registry. Winnipeg allows investors to search issued permits by address. Other cities, including Toronto and Vancouver, have permit and property-research tools, but investors may still need to contact the appropriate municipal department to confirm the actual status of a secondary suite. The easiest approach is usually: Search the city's online tools first. Then, if there is any uncertainty, contact the municipality directly and ask: "Does this address have a permitted secondary suite, and were all required final inspections completed?" What Causes the City to Investigate? Municipalities generally are not driving around neighbourhoods searching for illegal basement suites. Problems often begin because somebody complains. Two obvious possibilities are: Tenants. And: Neighbours. A tenant who becomes unhappy with the landlord may discover that the suite is not legal. A former tenant may complain. A neighbour who is frustrated with parking, noise or repeated rental problems may report the property. Everything can operate smoothly for years. Until somebody makes the phone call. What Happens to the Tenant? This is one of the risks investors sometimes overlook. You may have a valid residential tenancy agreement with someone living in the basement. If the municipality determines they can no longer legally occupy that space, you now have two problems. You lost the rental income. And your tenant may need somewhere else to live. Depending on the circumstances and applicable law, the landlord could potentially face costs resulting from being unable to provide the premises promised under the tenancy agreement. That could include temporary accommodation, moving, storage or other expenses. This is an area where investors should obtain proper legal advice for their specific situation. Don't Forget the Insurance Company Another major concern is insurance. Imagine you buy a property with an illegal secondary suite. You obtain landlord insurance. You collect rent. Everything appears fine. Then there is a major claim. A fire. Serious water damage. Liability involving an occupant. The insurance company investigates and discovers the property was being used differently than represented or that an unpermitted secondary suite was being occupied. That is not the time you want to discover that your coverage may be affected. Wayne recommends being transparent with your insurance professional and making sure the property is properly insured for the way it is actually being used. The Liability You Don't Want Wayne also discusses the extreme scenario investors sometimes hear about involving fires in illegal basement suites. If a landlord knowingly operates an unsafe or prohibited suite and someone is seriously injured or killed, the consequences could go far beyond lost rent. The circumstances surrounding any legal liability would depend heavily on the facts, but the underlying lesson is simple: Do not knowingly ignore serious safety or permitting issues. Saving money by avoiding permits is not worth taking a catastrophic risk. The Main Lesson A beautiful basement suite does not automatically mean you have two legal rental units. And a spreadsheet showing two rents does not mean you can count on receiving both rents forever. Before buying: Check the zoning. Check the permits. Confirm final inspections. Verify what was actually approved. Speak with your insurer. And run the property numbers assuming that basement rent disappears. If the entire investment collapses without the non-conforming suite, understand that you are taking a significant risk. Wayne and Gabby's preferred approach is straightforward: Buy legal. Build legal. The additional cost is usually much easier to deal with than discovering years later that the rental income your entire investment depended on was never guaranteed in the first place. About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and founders of REI Masters. Through the Canadian Real Estate Investing Morning Show, they provide practical Canadian real estate investing education, lessons from their own portfolio and free coaching every weekday morning. Send Your Questions to the Show Have a question you want Wayne and Gabby to answer?

Welcome to the Oncology Brothers podcast! In this episode, we dived into the recent approval of rusfertide for polycythemia vera, based on the findings from the VERIFY study. We were joined by Dr. Andrew Kuykendall, an MPN specialist from the Moffitt Cancer Center, who shared insights on the drug's mechanism of action as a hepcidin mimetic and its clinical implications.   Key topics discussed included: The unique challenges of managing polycythemia vera, with balancing of erythrocytosis and iron deficiency The design and findings of the VERIFY study, highlighting the significant reduction in the need for phlebotomy among patients treated with rusfertide The potential for individualized patient care and the integration of rusfertide with existing cytoreductive therapies Insights into dosing, side effects, and the drug's impact on patient quality of life   Listen us on: Spotify: https://open.spotify.com/show/31BXhY9FM4gPWG10WgE11o    Follow us on social media: X/Twitter: https://x.com/oncbrothers  ⁠Instagram: https://www.instagram.com/oncbrothers  Website: https://oncbrothers.com/    Join us as we explore how rusfertide can change the treatment landscape for polycythemia vera and improve patient outcomes. Don't forget to like, subscribe, and hit the notification bell for more episodes! #Rusfertide, #PolycythemiaVera, #VERIFYstudy, #MPN, #Hematology

If you've ever typed a number into an invoice and then quietly lowered it before you hit send, this episode is for you. Learning how to price your services isn't really a math problem. It's a mindset problem, and for a lot of Christian women in business, it's tangled up with guilt about charging for something that feels like ministry. In this episode, Jan sits down with three women from her mastermind group, Lindsey Fletcher, Andi Hart, and Gabe Cox, for an unfiltered roundtable on why pricing is so hard and what to actually do about it.What You'll LearnWhy fear and imposter syndrome quietly talk you into charging less than you're worthHow to separate a client's "no" from a personal rejectionThe mindset shift that lets you see charging well as an act of stewardship, not greedA practical, research-based process for pricing a new offer or serviceHow to raise your prices on existing clients without burning the relationshipEpisode HighlightsTimestamps are estimates. Verify against the final edited audio before publishing.[00:00] Meet the mastermind — Jan introduces the format (equal parts The View and business roundtable) and the four voices in this episode: Jan (brand and website strategy), Lindsey Fletcher (sales conversations), Andi Hart (product-based businesses and wholesale), and Gabe Cox (goal planning and business strategy).[03:30] Why pricing feels so personal — The group unpacks the layers under pricing fear: imposter syndrome, the fear of actually having to deliver, and the way a "no" to your offer can feel like a "no" to you, especially when you built the thing yourself.[08:00] The "helpful or paid" trap — Lindsey names the belief a lot of Christian women carry: if you're helpful, you can't charge, and if you charge, you're not helpful. The group reframes pricing as a way of letting a client actually invest in their own result, not a barrier to serving them.[14:00] What happens when women get paid — Gabe references a community development study where giving income directly to women, rather than men, was what actually moved a community forward, and connects it to the idea that underpricing limits the impact a business owner can have.[18:00] Pricing on feelings vs. pricing on data — Andi breaks down the consumer psychology of pricing (why a $1,000 washing machine reads as "better" than a $300 one) and why decisions made from feeling instead of research are the most common way business owners undercharge.[22:30] Start at the top, not the bottom — Gabe shares how she used to launch everything cheap, and how flipping that (starting with a signature, higher-priced offer and working backward) changed both her income and her client experience.[27:00] How to actually raise your prices — The group walks through real approaches: giving current clients a heads-up and a last chance at the old price, grandfathering loyal clients until they lapse, and raising prices at capacity rather than on a schedule.[33:00] Final wisdom — Each guest leaves one closing thought: take imperfect action instead of waiting to feel ready, let God lead the decision, and remember that undercharging, not overcharging, is the mistake that actually costs you.Key Takeaway"The most expensive mistake you can make is undercharging."Resources MentionedProverbs 31:18, referenced in the conversation about stewarding what God has given youA community development study on income and women (referenced from memory during the episode; exact source and figures were not confirmed on air)Alex Hormozi, referenced for his advice to start with a signature, higher-priced offerCONNECT with the ladies on their podcasts:Gabe Cox - Pursuing Goals God's WayLindsey Fletcher - The Leaders TableAndee Hart - She Sells DifferentlyCONNECT WITH JAN:Here are all the best places and FREE stuff

Your Tenant Is Running a Business From Your Rental. Now What? Your tenant starts operating a business from your rental property. Do you care? Maybe not. But your condo corporation, municipality, lease agreement and insurance company might. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby break down a real situation happening inside their own rental portfolio after a condo corporation discovered that one of their tenants was advertising childcare services from the property. The tenant may simply have been trying to earn some additional income. From Wayne's perspective, that alone is not the problem. The problem is what that business could potentially do to the risk and liability attached to the property. Customers entering the rental. Children being cared for inside. Additional traffic and parking. Increased wear and tear. Business equipment or inventory. Potential injuries. And most importantly: What happens to your landlord insurance policy if the property is being used for something your insurer never agreed to cover? This is the kind of boring property-management system that becomes extremely important the day something goes wrong. What You'll Learn What happened when Wayne and Gabby discovered a tenant advertising childcare from their rental Why the condo corporation became involved Whether landlords should automatically prohibit every home-based business The difference between working from home and operating a customer-facing business Why customer traffic may dramatically change the risk How a business can create parking issues in a condominium Why certain businesses may increase wear and tear Why condo bylaws matter even if the landlord personally approves of the business Why municipal permission does not necessarily override condo bylaws Why Wayne recommends prohibiting businesses by default in the lease How landlords can later approve specific activities individually Why landlord insurance is based partly on the property's intended use How business activity could change coverage, exclusions, deductibles or premiums Why the tenant may need separate business liability insurance Whether the landlord may need to be added as an additional insured Why you should get insurance approval in writing Why landlords should confirm the facts before confronting a tenant How Wayne and Gabby communicated with their tenant Why simply sending an email is not the end of the process How landlords can verify compliance Why a property manager does not eliminate the owner's responsibility Why regular inspections and systems still matter even with professional management Why Wayne Doesn't Obsess Over Daily Real Estate News Wayne starts today's episode responding to a listener who complained that the Morning Show does not spend enough time discussing inflation, trade negotiations, interest-rate predictions and daily real estate-market news. His response is that most of that information has very little impact on how he operates a properly structured long-term rental portfolio. Wayne's strategy is not built around predicting what property values will do next month. It is built around buying properties capable of surviving 20 years or more. That means strong cash flow, strong returns without relying on appreciation, strong tenant demand, the right landlord environment, promising long-term market fundamentals and systems capable of protecting the investment when something inevitably goes wrong. Wayne does pay attention to market information when it could influence an actual decision. Should he buy? Sell? Refinance? Take equity out? Change financing strategy? Those forecasts matter because they affect the operation of the business. But endlessly predicting whether values will move slightly up or down is not the foundation of his investing strategy. Long-Term Investors Need Systems This leads directly into today's primary topic. If you are planning to own a property for 20 years, you need systems for situations that may only happen once or twice during that ownership period. A tenant operating a business from the property is one of those situations. The probability may be relatively low. The consequences could still be significant. And Wayne's philosophy is that the investor should have the system before the problem appears. The Real Situation: A Tenant Advertising Childcare Wayne and Gabby recently received an email from the manager of one of their condominium corporations. Someone had discovered a social-media advertisement from their tenant offering childcare or day-home services from the rental property. The condo corporation provided Wayne and Gabby with a screenshot of the advertisement, the applicable condominium bylaw and a request that the activity stop. The condo bylaws prohibited this type of commercial activity from the townhouse. Wayne's personal reaction was not: "How dare our tenant make money?" Quite the opposite. If the tenant can earn additional income, that may improve their financial situation and ability to pay rent. The problem is that Wayne's personal opinion does not override the condo bylaws. And even without the condo restriction, there would still be several other issues to investigate. Working From Home Is Not Necessarily the Same Thing A home-based business can mean many different things. Someone working remotely on a laptop is obviously different from operating a daycare. Someone selling T-shirts online and shipping them through the mail is different from running a salon with customers coming through the door every hour. Gabby says one of the most important dividing lines is often: Are customers attending the property? Once customers begin arriving, the potential liability changes. That can also affect parking, neighbours and common-property usage in a condominium. A childcare business creates another level of concern because multiple children may be on the property for extended periods. Increased Wear and Tear Insurance is not the only concern. Different businesses can also affect the physical property. Consider customer traffic, equipment, furniture, inventory, frequent use of entrances, additional plumbing or electrical usage and changes made to rooms to accommodate the business. The question becomes: How is this business changing the way my rental property is being used? That matters to both the landlord and insurer. Check the Condo Bylaws For condominium properties, this is one of the first checks. A tenant must comply with the condominium corporation's bylaws. A landlord cannot simply tell the tenant: "I'm okay with it." If the activity violates the condo bylaws, the landlord's permission does not solve the problem. That is exactly what happened in Wayne and Gabby's situation. The activity was prohibited under the condo bylaws, so it could not continue. Check Municipal Requirements If the property is not governed by restrictive condo bylaws, or if the bylaws permit the activity, the next question is whether the municipality allows it. Some businesses may require licensing, permits, specific zoning, parking requirements, occupancy restrictions or other approvals. However, municipal approval does not automatically mean the landlord or condo corporation must allow it. There can be multiple layers of requirements. Put It in the Lease Wayne recommends that landlords address home-based businesses directly in the lease. His preferred default is: No business activity without landlord approval. That does not mean the landlord can never approve one. It means the tenant must first ask. The landlord can then investigate: What exactly is the business? Will customers attend? Is it permitted by the municipality? Is it permitted by the condo corporation? Does it affect insurance? Is additional coverage required? Once those questions are answered, the landlord can make an informed decision. Leaving the lease silent creates unnecessary ambiguity. The Biggest Issue: Insurance This is where today's episode becomes especially important. A landlord insurance policy is written based on the expected use of the property. The insurer believes it is insuring a residential rental. If that rental begins functioning partly as a commercial operation, the risk may change. That could affect policy eligibility, liability coverage, premiums, deductibles, exclusions or required coverage. Wayne uses the example of someone operating a hair business. Imagine a customer gets injured. Or a hot styling tool causes a fire. The insurer investigates the loss and discovers that a commercial hair operation was being run from a property insured simply as a residential rental. That is not something Wayne wants to discover after the claim. Questions to Ask Your Insurance Broker If you are considering allowing a tenant to run a business from your rental, Wayne and Gabby recommend speaking directly with your insurance broker. Ask: Does my landlord policy permit this specific activity? Does customer traffic change my coverage? Does childcare change the coverage? Does business equipment or inventory change anything? Does the tenant require separate commercial liability insurance? Should the landlord be added as an additional insured? Are there new limits, exclusions or deductibles? Can the insurer confirm its approval in writing? That last question matters. A phone conversation with a broker is useful. Written confirmation is much better. Don't Accuse the Tenant Before Confirming the Facts Gabby emphasizes another important part of the process. Just because somebody tells you that your tenant is running a business does not automatically make it true. Verify first. Ask for evidence. Review the advertisement. Review the condo bylaws. Confirm what the tenant is actually doing. Check municipal requirements. Speak with your insurer. Then communicate with the tenant. In Wayne and Gabby's situation, they already had screenshots of the advertisement and the applicable condominium rule. That gave them enough information to address it properly. How Wayne and Gabby Addressed the Tenant Their assistant sent the tenant a professional written message. The tone was not aggressive. They acknowledged that the tenant may not have realized the activity would create an issue. They explained that the childcare services were contrary to the condominium bylaws and their lease agreement. They asked the tenant to discontinue providing the services from the property. And they invited the tenant to respond if there had been a misunderstanding. That is a much better approach than immediately sending an angry threat. Get the facts. Explain the issue. Put it in writing. Don't Stop at the Email Sending the email does not finish the process. The landlord still needs to verify compliance. That may mean a follow-up. It may mean an inspection with proper notice. It may mean monitoring whether the activity continues to be advertised. The important part is having a documented process rather than simply assuming: "I told them to stop, so I'm sure they stopped." Property Managers Don't Remove Your Responsibility Wayne finishes with an important warning for investors using property managers. Hiring a property manager does not mean you should completely stop paying attention. A tenant could pay rent on time, have excellent credit, never complain, remain in the property for five years and still be operating an activity that creates significant liability. If nobody ever checks the property, how would you know? Wayne is not criticizing property managers. His point is that the risk ultimately belongs to the property owner. If something goes wrong, ignorance does not automatically protect you. You need systems that ensure these issues are actually being checked. The Main Lesson Home-based businesses are not automatically bad. Some may create almost no meaningful additional risk. Others can fundamentally change how the property is being used. The landlord's job is not to make assumptions. The landlord's job is to investigate. Check the lease. Check the condo bylaws. Check municipal requirements. Check the insurance. Confirm the facts. Communicate in writing. Verify compliance. That may not be as exciting as predicting next month's interest-rate decision. But these are the systems that help you keep a rental property profitable and protected for 20 years. And that is where long-term real estate wealth is actually built. About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and founders of REI Masters. Through the Canadian Real Estate Investing Morning Show, they provide practical education, free coaching and lessons from operating their own Canadian rental-property portfolio. Resources & Contact Send Your Questions to the Show Have a question about tenants, insurance, property management, buying rental properties or building your portfolio? Wayne and Gabby answer investor questions on the Morning Show.

Your TSP monthly income balance may look substantial—but how much monthly retirement income can it actually provide?In this video, Charles explains how federal employees can turn a TSP balance into a practical monthly paycheck. You'll learn how to calculate the gap between your retirement income and real expenses, establish TSP installment payments, and account for taxes, inflation, and market risk before making withdrawals.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why your TSP balance alone doesn't tell you whether you're retirement-ready- How to calculate the gap between your income and monthly expenses- Why some retirees spend more—not less—after leaving work- How TSP installment payments can create a monthly income stream- How inflation, taxes, and investment choices can affect your income- Why a bad market year early in retirement can create lasting problemsWhat monthly income do you expect your TSP to provide in retirement? Share your target below.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletter━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Turning Your TSP Into a Monthly Paycheck0:35 It's Not About Your Balance—It's About the Gap1:01 What Your Real Monthly Expenses Look Like1:47 The Free Monthly Expenses Worksheet2:35 Why Retirees Often Spend More, Not Less3:17 How to Set Up TSP Monthly Payments4:04 The Blind Spots: Inflation, Taxes, and the G Fund4:52 One Bad Market Year Early in Retirement5:11 Watch Next: Should You Still Own Stocks After Retirement?━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter decisions around FERS, TSP, FEHB, taxes, and retirement income planning—where health meets wealth.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This content is educational only and is not financial, legal, tax, or investment advice. TSP withdrawal options, tax consequences, investment risks, and retirement-income needs depend on your individual situation and may change. Verify current TSP rules at TSP.gov and consult qualified financial and tax professionals before acting. CD Financial is not affiliated with or endorsed by the Thrift Savings Plan or any federal agency.#TSP #FederalRetirement #RetirementIncome #FERS #ThriftSavingsPlan #CDFinancialSupport the show

AI writes the code. But who checks it, and who is accountable when it goes wrong? In this episode, Matthias is joined by two colleagues: Guillaume Teixeron, bringing 20 years of experience on the product side of identity and authentication, and Jonathan Care, KuppingerCole Analysts' Director of Practice AI. Together they tackle the security gap opening up between how fast AI generates code and how slowly organizations are catching up on assurance, provenance, and accountability. Key Topics: ✅ AI in software development: from hype to structural baseline — but governance is still improvised✅ Three tectonic shifts in AppSec: provenance, scale, and non-human identity✅ Why organizations have industrialized code production but not code assurance✅ The core question: can you trust AI to verify AI-generated code?✅ Agent autonomy in production pipelines — the next flashpoint nobody has resolved yet✅ How regulation (CRA, NIS2, DORA) will settle the provenance argument before the market does ⚡ "We have industrialized code production. We have not industrialized code assurance." Jonathan Care on why the security control set was built for human-authored code moving at human speed — and neither assumption is true anymore.

The K-Shaped Economy May Be Improving If you're unfamiliar with the term, the upper arm of the “K” represents higher-income Americans, who are spending more and generally doing better. The lower arm represents lower-income consumers who have been struggling with higher prices and tighter budgets. But there are signs the lower end of the K-shaped economy may finally be improving. Treasury Secretary Scott Bessent recently argued that the K-shaped economy is over and that we're moving toward what he calls a “C-shaped economy,” where lower-income workers are beginning to catch up. That may sound like a bold statement, but there are some encouraging signs behind it. Economists have pointed to stronger hiring in the spring and early summer, which has allowed more Americans to change jobs. Changing jobs often comes with higher wages, giving lower- and middle-income households more income to spend. There has also been improvement in wage growth at the lower end of the income spectrum as after-tax wages grew at an average 5.2% annual pace in July for lower-income households. This marked the first time since December 2024 that after-tax wage growth for lower-income households surpassed higher-income households. Higher-income workers are still seeing strong wage growth as well. So, I wouldn't say the K-shaped economy has completely disappeared, but the bottom of the K may be starting to move upward. Another positive is the impact of the Big Beautiful Bill. Provisions such as no tax on overtime and no tax on tips can put more money directly into workers' pockets. This led to good refunds for many people and some people have also changed their withholding to increase their take-home pay rather than waiting for a large refund at tax time next year. That makes perfect sense. Why give the government an interest-free loan of thousands of dollars when you could have an extra couple hundred dollars in your paycheck every month? There are other encouraging signs. Data shows the share of households paying off their credit card balances each month is increasing, while savings remain above 2019 levels when adjusted for inflation. We're also seeing some evidence that consumer spending is becoming less concentrated among higher-income households. In the month of July, spending on credit and debit cards rose 5.4% for lower-income households year over year compared to growth of 4.3% for higher-income households. That's important because consumer spending accounts for roughly 70% of U.S. GDP. If lower-income consumers are finally seeing their incomes improve, paying down debt and rebuilding their financial cushion, that could broaden economic growth beyond the wealthier consumer. I'm not ready to declare the K-shaped economy dead. There are still significant differences between how higher- and lower-income Americans are doing, and housing affordability remains a major problem. But perhaps the more important point is this: The bottom half of the K may finally be starting to move upward. If that continues, it could create a much healthier economy in the second half of the year, with GDP growth potentially around 2.5% in the third and fourth quarters. Maybe the economy isn't completely C-shaped yet, but it may be starting to bend in that direction.   How to protect yourself when someone tries to sell you alternative investments You may already know this, but there are some brokers out there who are very good salespeople and unfortunately, they may be more concerned about their commission than your financial well-being. It's estimated that over the next three to four years, another $2 trillion of client assets could flow into alternative investments. I've talked at length about the high fees, which can be 2% or more, and the fact that your money could be tied up for 10 years or longer. Even when you are allowed to get your money back, the redemption process can be very slow. If you still believe an alternative investment makes sense for you, here are some questions you should ask the person selling it to you. First, what is the manager's track record? Don't just take their word for it. Verify the track record and make sure you understand what they actually managed. Someone who successfully managed a small fund may not have the same results when they are suddenly managing multiples of that amount. Second, how will I receive my tax information? A lot of investors are surprised at tax time when they receive a K-1 instead of a 1099. K-1s can make your taxes more complicated and often arrive much later than a 1099. That can mean waiting to file your taxes or even having to file an extension. Understand the tax reporting before you invest. Third, how do I get my money out? Ask exactly what the redemption rules are. How long is the lockup? How much notice do you have to give? Are there penalties or restrictions Don't assume you can access your money whenever you want. Fourth, what happens if things go wrong? What recourse do you have if the investment loses money or the manager does something wrong? You may discover that you signed an arbitration agreement that prevents you from taking the firm to court. In some cases, the investment may even be governed by laws outside the United States. Fifth, how much does the broker and their firm get paid? Ask directly: “How much do you earn if I invest in this? Does your firm receive additional compensation for recommending it? If so, how much?” And there are two other questions I think everyone should ask. “Knowing my financial situation, do you really think it makes sense for me to tie up my money for 10 years?” And perhaps most importantly: “Anything you are telling me verbally, please put it in writing.” If they won't put it in writing, you should seriously question what you're being sold. I believe alternative investments are much riskier than people are led to believe and you need to understand the fees, liquidity, tax consequences, and incentives of the person selling them to you. Never let a salesperson rush you into an investment you don't completely understand.   Should You Invest in Dividend-Paying Stocks or Not? Over the last 15 years, the dividend yield on the S&P 500 has been cut roughly in half from more than 2% to just over 1%. Some investors may say, “Who cares? My total return is much higher, and I don't need the dividends.” But they may be missing an important part of investing, especially as they get older and closer to retirement. Dividend-paying stocks can provide a valuable source of cash flow. Qualified dividends also receive favorable tax treatment compared with ordinary income. That tax advantage, particularly when compared with interest from U.S. Treasuries or CDs, is worth considering. Another benefit investors sometimes overlook is dividend growth. Many companies increase their dividends over time, sometimes every year, as their earnings and cash flow grow. This can potentially provide investors with a growing stream of income. Investors appear to be taking notice. Morningstar has reported that dividend-focused funds have attracted billions of dollars in new money over the past two years. Using dividend funds is one option, but at Wilsey Asset Management, we prefer investing in individual companies because we believe it can provide a higher yield while giving us more control over the companies we own. Of course, a high dividend yield alone doesn't make a stock a good investment. We look at several factors to manage risk, including: The company's payout ratio based on earnings and cash flow to make sure the dividend is sustainable. The company's debt and interest expense to make sure it isn't overly burdened by high-interest payments. The valuation of the company to make sure investors aren't paying too much for its earnings. Investors should also remember that dividends are never guaranteed. Companies can cut or even temporarily suspend their dividends when their business requires them to preserve cash. For that reason, diversification is important. We believe investors should consider owning at least 12 to 15 different dividend-paying companies across multiple industries rather than relying heavily on just a few stocks. Dividend investing isn't just about the yield today. It's about the potential for income, dividend growth and total return over time. As investors get closer to retirement, that income can become a much more important part of the overall investment strategy.   You could be paying more for products because of something called dynamic pricing. Most people assume that when they see a price online, everyone else is seeing the same price. That may no longer be the case. With AI and the enormous amount of data companies can collect, retailers can learn a surprising amount about you. They may know your browsing history, location, the type of device you're using, your purchase patterns and even how long your cursor stays over a particular product. They can also potentially determine whether you're a college student, a businessperson, or a senior citizen. They may also know what competing apps or websites you use. The thinking is simple: If you're not shopping around, a retailer may believe you're more willing to pay a higher price. You may be thinking, Isn't this illegal? According to the Federal Trade Commission, it appears to be somewhat of a gray area. The FTC has recently addressed the use of consumer data to personalize prices and has said that businesses need to be transparent about what information they're using and when they're using it to personalize an offer. My guess is this will be like many other disclosures: We'll see them, but most people won't take the time to read them. So, what can you do to protect yourself? Shop around. Before making a purchase, compare the same product on at least two or three different websites. Don't assume the first price you see is the best price. And here's the interesting part: retailers may know you're shopping around. If they can see that you're comparing their price with competitors, they may have an incentive to offer you a better deal. In other words, the same technology that could potentially be used to charge you more could also work in your favor.   AI Is Creating Turmoil in the Book Publishing Industry AI is disrupting many areas of our lives that we've become accustomed to and the book publishing industry is no exception. The publishing industry is struggling with a difficult question: How much AI should authors be allowed to use? Some authors believe books should not be created by machines. Last year, 70 well-known authors signed a pledge opposing the use of AI to generate books. But the major publishing houses, including Random House and HarperCollins, aren't necessarily taking such a hard-line approach. They've discovered that AI can be extremely useful for authors, particularly when it comes to research. It can also make it possible to publish more books, which can obviously be lucrative for publishers. There are even programs publishers can use to detect whether AI was used in a book, such as the Pangram program. At the same time, the industry is trying to combat something known as “slop books.” These are books produced very quickly, often with little creative value, simply to generate a quick profit. AI has made it much easier to produce these types of books at scale. One study found that roughly 20% of e-books on Amazon contain substantial AI assistance. So, the big question is: How much AI is too much? Should AI not be used at all? Should it be limited to research and helping authors brainstorm and organize their ideas? Personally, I think AI can be a great tool for research, but it shouldn't be used to write the book for you. The creativity, ideas and actual writing should still come from the author. That said, I wonder if those resisting AI in writing today are making the same mistake car companies once made when they resisted the assembly line because they wanted to continue hand-building cars. We may not like technological progress. It can feel uncomfortable and even scary at times. But history has shown us that you can't stop it. AI is going to continue changing the way we work and create. The people and businesses that learn how to use it effectively and adapt to it will likely be the ones who benefit the most.   GM May Lose the Title of No. 1 Auto Seller in the U.S. General Motors has held the No. 1 spot for auto sales in the United States for 100 years, but that streak could be coming to an end. Toyota is closing in, and based on sales through July, GM has sold only about 100,000 more vehicles than Toyota. At first, that sounds like bad news for GM. But I actually think it's a positive development. For years, GM sacrificed profits in an effort to remain the No. 1 automaker. The company frequently relied on large rebates and discounts to move vehicles off dealer lots, which helped sales but hurt profitability and contributed to GM's financial struggles. That strategy has changed dramatically under CEO Mary Barra, who took over in 2013. The goal is no longer to sell the most vehicles, it's to make the most money. GM has moved away from low-priced cars and sedans with thin profit margins and focused more heavily on larger, higher-margin SUVs and trucks. Vehicles like the Cadillac Escalade and Chevrolet Silverado can generate significantly more profit than lower-priced models. Compare that with Toyota, which sells popular vehicles like the Corolla and Camry in the roughly $24,000–$30,000 range. GM is selling trucks that can cost around $50,000 or more, while high-end models like the Cadillac Escalade can surpass $100,000. In many ways, GM has become more of a premium automaker, competing more directly with companies like Mercedes-Benz and BMW. One challenge GM is facing is factory utilization. Its utilization rate has fallen to about 73% this year, down from 78.5% in 2024. Automakers generally want factory utilization around 80%–85%, while Toyota is operating at roughly 92%. GM plans to add new models to its production lines, which should help improve factory utilization and spread its costs over more vehicles. So, yes, it may be a little disappointing that we won't be able to pound our chests and say General Motors sells more vehicles than anyone else in America. But if you're a GM shareholder, I think you should care a lot more about profitability than bragging rights. And so far, shareholders have been rewarded with a significant increase in GM's stock price.   Company Discussed: Advance Auto Parts, Inc. (Ticker: AAP)

Break down the latest political drama surrounding Donald Trump's executive order on election integrity and federal voter rolls!

S6:E72 Dating apps give us more choices than we've ever had, so why does finding the right person feel harder? Some people have given up, saying that it is "impossible" to find a mate! Matchmaker April Davis says too many options may actually be part of the problem, encouraging people to filter potential partners by features instead of recognizing the values that sustain a relationship. Indeed, the "paradox of choice" problem. Loralyn Mears, PhD, aka "Dr. LL," brings you thoughtful conversations with entrepreneurs and small business leaders navigating visibility, leadership, and growth. Thank you for being here. This episode takes Small Business Stories somewhere we haven't gone before: relationships. But for entrepreneurs (whose businesses, devices and packed schedules can consume enormous portions of their lives) the conversation about human connection feels especially timely. April describes a dating culture shaped by apps, algorithms, curated images and endless choice. We can specify height, income, occupation and interests as though ordering the perfect product. Yet the qualities that actually determine long-term compatibility may be far harder to put into a search filter. And we can be missing out on people who are actually a terrific match for us, even though they don't meet our height or weight criteria.

Book a FREE 1-on-1 Call: https://ptlegends.com/1on1call | FREE Training: https://ptlegends.com/free-training-optin | PT Legends: https://ptlegends.comBeing a business owner means putting a target on your back—and sometimes the problems that show up have nothing to do with marketing, sales, or getting more clients.In this episode of The Profit Lifestyle for Fitness Entrepreneurs, Scott Carpenter and Andy share some of their craziest gym owner horror stories and the expensive lessons they learned along the way.Scott takes it back to his first few weeks as a business owner, when an independent trainer refused to follow the rules, had to be removed from the gym with police involvement, and was followed by a written threat from the trainer's girlfriend to publicly trash Scott's new business.Andy shares how his gym was suddenly hit with a cease-and-desist order after discovering that the contractor who reinforced his floor years earlier never completed the work to code—leaving Andy with a $20,000 repair bill and a gym he couldn't legally operate until the problem was fixed.From there, Scott and Andy break down the hidden dangers of commercial real estate, leases, permits, ADA requirements, building classifications, SBA financing, and unexpected construction costs that can put an entire business at risk.Scott also shares how a building-code issue nearly turned into a $180,000 fire sprinkler project, and how questioning the property's classification ultimately helped him avoid the expense.These aren't just horror stories. They're reminders that when you're signing leases, building out locations, dealing with contractors, or navigating financing, you have to understand what you're agreeing to and be willing to advocate for yourself.In This Episode:00:21 – Why becoming a business owner can put a target on your back01:49 – Scott's first nightmare experience after buying a gym04:29 – Dealing with a difficult independent trainer05:07 – Terminating the relationship and the confrontation that followed06:20 – Why Scott eventually called the police07:39 – The blackmail email that came next09:51 – Andy's first major gym owner horror story10:35 – Getting hit with a cease-and-desist order12:32 – The mistake that eventually cost Andy $20,00013:35 – The hidden costs inside commercial leases14:41 – Why your building's usage classification matters16:10 – How a sprinkler requirement exploded into a potential $180,000 expense17:25 – How Scott found a workaround and avoided the massive bill18:57 – Andy's ADA compliance nightmare during construction21:17 – Fighting for an alternative before the project became financially impossible24:27 – Why commercial real estate requires extreme due diligence26:23 – Asbestos testing and another unexpected financing problem27:59 – Putting another $20,000 at risk just to keep the deal alive29:15 – Creating a Plan B when everyone kept promising the loan would close29:41 – Why nobody will protect your business as much as you will30:10 – Why Scott and Andy are sharing these storiesThe biggest takeaway?You have to be your own advocate.Contractors can make mistakes. Banks can delay financing. Cities can change requirements. Landlords will protect themselves. And the people involved in your transaction don't have the same amount at stake that you do.Ask questions. Read the lease. Understand the permits. Verify what you're being told. And when something doesn't make sense, keep digging.And if you're going through your own gym owner horror story right now, remember—you aren't the only one who's been there.Scott and Andy have been through it too, and there are plenty more stories where these came from.Part II coming next.

S6:E72 Dating apps give us more choices than we've ever had, so why does finding the right person feel harder? Some people have given up, saying that it is "impossible" to find a mate! Matchmaker April Davis says too many options may actually be part of the problem, encouraging people to filter potential partners by features instead of recognizing the values that sustain a relationship. Indeed, the "paradox of choice" problem. Loralyn Mears, PhD, aka "Dr. LL," brings you thoughtful conversations with entrepreneurs and small business leaders navigating visibility, leadership, and growth. Thank you for being here. This episode takes Small Business Stories somewhere we haven't gone before: relationships. But for entrepreneurs (whose businesses, devices and packed schedules can consume enormous portions of their lives) the conversation about human connection feels especially timely. April describes a dating culture shaped by apps, algorithms, curated images and endless choice. We can specify height, income, occupation and interests as though ordering the perfect product. Yet the qualities that actually determine long-term compatibility may be far harder to put into a search filter. And we can be missing out on people who are actually a terrific match for us, even though they don't meet our height or weight criteria.

Pags has had enough with what he sees as relentless anti-Trump bias across mainstream news and digital media, explaining why Americans should never blindly accept a headline—even from an outlet they normally trust. His rule is simple: trust, but VERIFY. Then Pags dives into the latest Kennedy Center battle as the Trump administration suggests the building could actually be demolished if the courts block its renovation plans. And somehow, things get even crazier: Victor Wembanyama is reportedly STILL growing, with claims that the Spurs superstar could now stand 7'7" with an unbelievable 8'3" wingspan. Then Georgia Rep. Mike Collins joins the program as he campaigns to unseat Sen. Jon Ossoff. Why does Collins believe Ossoff seems more focused on running against Trump than defending his own record? Collins and Pags get into the Georgia Senate showdown, Trump's agenda and the escalating Canada trade fight—and what that battle could mean for Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices

A listener wrote in with a situation that plays out constantly at the senior leadership level. A new vice president asked for their team's process documentation, then presented all of it in a board meeting as his own first big win. The C-suite praised him. The listener was left defensive, frustrated, and unsure what to do next. Sean Barnes has lived this one. In this solo episode he walks through the exact same thing happening to him years ago, including the part most leaders skip: he did not handle it well. He went quiet, held onto the resentment, and let unspoken tension sit in senior leadership meetings for a long stretch before he finally addressed it. The episode lays out a practical approach. Verify what actually happened before you react, because omitting credit and stealing credit are different problems. Never address it in a group setting, because the rest of the executive team will not judge what the other person did, they will judge how you responded. Go to their office, ask one specific question, and then stop talking. And once the conversation is over, offer to help them be successful anyway. It is a candid look at executive politics from someone who learned it the hard way. As Sean puts it, you can call the politics dumb and stay stuck, or you can learn how to navigate them.   Key Moments 00:00 - Why someone takes credit for your work in the first place 00:37 - The listener message: a new VP asks for the team's process documentation 01:33 - He presents it at the board meeting as his own project 01:45 - The C-suite praises him, and the listener is left furious 02:11 - Sean has been here before, and he admits he handled it badly 02:46 - The cost of holding onto it: unspoken tension in leadership meetings 03:12 - Step one, verify whether credit was stolen or simply omitted 03:48 - Why you never address this in a public or group setting 04:16 - Go to their office, not yours 04:47 - The exact question to ask, and why you pause after it 05:13 - Do not throw them a lifeline when it gets awkward 06:10 - The follow up question about trust and rapport 07:25 - Putting them on notice, then offering to help them succeed 08:37 - Keep an eye on them, because capacity does not disappear 09:04 - What holding a grudge actually cost Sean 10:17 - The politics are the politics   Key Takeaways Verify before you react. Stealing credit and omitting credit are not the same thing, and the difference shapes how the conversation should go. Figuring out which one happened is the first move, not an afterthought. The room is watching your response, not their behavior. The rest of the executive team is not going to care what this person did. They will care about how you handled it. That single reframe is what should keep you out of a public confrontation and in a one on one conversation. Put them on notice, then offer to help. The pairing is the whole point. You make it clear your team will not be walked over, and then you ask how you can help them succeed. It disarms them, it often builds real trust, and it keeps you working closely enough to see what they do next.   Podcast Show Notes – Episode 296 | 08.25.2026 Episode Title: Someone Stole Credit for Your Team's Work. Here's How to Handle It     Host: Sean Barnes Wolf Executives, Houston, TX   Website: https://www.wolfexecutives.com   https://www.seanbarnes.com   LinkedIn: https://www.linkedin.com/in/seanbarnes/ https://www.linkedin.com/company/wolfexecutives https://www.linkedin.com/company/thewayofthewolf/ LinkedIn Newsletter: https://www.linkedin.com/newsletters/7284600567593684993/   Twitter: https://x.com/seanbarnes https://x.com/wolfexecutives   Instagram: https://www.instagram.com/the_seanbarnes https://www.instagram.com/wolfexecutives   TikTok: https://www.tiktok.com/@the_seanbarnes   Facebook: https://www.facebook.com/theseanbarnes

What if you didn't need a huge audience to grow your business — just one good partner who already has one? In today's episode, we're breaking down a repeatable system for finding, pitching, and scaling partnerships, even if you're starting with zero connections and zero ad budget. Kyle Kane is a former music executive, an Inc. 500 honoree, and the founder behind onSpark.com(opens in new tab), a platform that's driven over $2 billion in partnership revenue for the brands he's worked with. Early in his career, he built relationships the old-school way, going to events and building Rolodexes. But he realized the real unlock wasn't about meeting more people. It was about turning existing relationships into a measurable, repeatable system. That realization led him to build a framework he calls DVLA: Discover, Verify, Launch, and Amplify. It's designed so a side hustler with no network can access the same partnership leverage as a Fortune 500 business development team. Tune in to Episode 756 of the Side Hustle Show to learn: how to find and reach out to the right partners using a simple 4-bullet message how to build trust fast with a "minimum viable partnership" before ever signing a contract how to scale a single successful test into a repeatable partnership machine (Get the free Partnership Playbook and learn how to borrow an audience, build real relationships, and turn them into revenue at onSpark.com/hustle). Full Show Notes: Your 15-Minute-a-Day Marketing Plan New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed⁠⁠⁠⁠ – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! ⁠⁠⁠⁠Monarch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

In today's full compilation of broadcast segments, Lee and Tara break down the latest news surrounding the high-stakes South Carolina Senate primary election runoff!

Election day is here, and South Carolina faces a high-stakes decision that will shape the state for a generation!

In this segment, Lee and Tara break down newly released public health emails, discuss federal health policy communications, and evaluate the ongoing political dynamics surrounding the South Carolina Senate race.

In this segment, Lee and Tara break down candidate statements, political ad campaigns, and party primary strategies surrounding the South Carolina Senate race.

In this fiery clip, the host takes on candidate Darlene Graham over alleged million-dollar Democratic PAC ad spending in South Carolina!

In this high-stakes segment, the hosts examine the tight political balance in the U.S. Senate and how single-vote margins shape major policy decisions. The discussion dives into the heated South Carolina Senate primary campaign, analyzing local ad spending, candidate debates, and campaign messaging across the state. --- ### Voting & Election Resources For authoritative election details, official voting procedures, and primary candidate information in South Carolina, refer directly to official state resources: * Verify voter registration status or access county-specific resources via the [South Carolina Election Commission](https://scvotes.gov/). * Access official voter tools and check personal record details on [My SC Votes Portal](https://vrems.scvotes.sc.gov/). * Review registration eligibility or submit updates online using the [SC Online Voter Registration System](https://vrems.scvotes.sc.gov/ovr/start). --- Senate Primary, Darlene Graham, Ralph Norman, South Carolina Primary, Political Campaign Ads, SC Election Commission, Early Voting SC

In this high-energy segment, the hosts dive into South Carolina primary runoff dynamics, local political debates, and pressing news updates!

In this comprehensive roundup of today's broadcasts, the hosts break down high-stakes primary dynamics, political commentary, and local reporting across South Carolina!

**Title:**

Trump's $900M D.C. construction push collides with an Iran assassination warning U.S. intelligence could not verify. The WBAI panel exposes the priorities, secrecy, and political fallout.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

A date night conversation about Dr. Gary Chapman's The Five Love Languages got Adam Koós thinking about something he sees every day across more than 300 client families: everyone relates to money a little differently. In this solo episode of The Retirement Fiduciary, Adam borrows the love languages idea and applies it to money, walking through the five "money love languages" that shape how people save, invest, and feel about their financial lives. From the family steward who cares most about protecting the people they love, to the accumulator focused on growth, Adam explains why knowing your own money personality is the first step toward becoming a calmer, more consistent investor. He also digs into the emotional pitfalls of fear and greed, why risk tolerance shifts over time, and the single biggest reason good retirement plans fall apart. Episode Timestamps Approximate. Verify against the final audio before publishing. 00:00 - Why your "money love language" matters 03:00 - A quick primer on the five love languages 05:00 - The five money love languages (starting with the family steward) 10:00 - The less common types (and who probably isn't a fit) 13:00 - Fear, greed, and neither 17:00 - Your risk "speed limit" 20:00 - The real reason plans fail (and the GPS analogy) Key Takeaways

Before he ever sat across a table from UN delegates, Matthew Gianni spent 10 years working as a commercial fisherman up and down both US coasts. Gillnetting for Spanish and king mackerel in Florida. Bottom trawling off central California, New England, and Florida for sole, redfish, hake, sablefish, shrimp, and other groundfish. Hook-and-lining for salmon and albacore tuna in Oregon and California. Running pots for Dungeness crab and dredging for deep sea scallops on Georges Bank. In today's episode, I trace how that decade on deck, watching coral and glass sponges get shoveled back overboard from trawls that dragged the seafloor a thousand meters down, planted the seed for a career that would eventually take him to the UN General Assembly. Two fights as a working fisherman pushed Matthew toward advocacy. First, he helped organize fellow fishermen to halt a $110 million plan to dump San Francisco Bay dredge spoils directly onto prime fishing grounds off the Southern California coast, a fight that eventually moved the disposal site off the continental shelf. Second, he represented the fishing industry in efforts to block new offshore oil and gas leases along the central California coast. Both wins showed him what organized advocacy could accomplish, and they set him on a path toward Greenpeace International, where he helped launch the international fisheries campaign, worked on the UN's 1991-1992 moratorium on high seas driftnet fishing [VERIFY dates], and eventually ran Greenpeace's global Ocean Program from Amsterdam. In the early 2000s, Matthew co-founded the Deep Sea Conservation Coalition, an international coalition of organizations working to protect deep sea biodiversity from harmful activities, where he now serves as political and policy advisor. What started as a fight against deep sea bottom trawling on seamounts has, since 2014, expanded to include deep sea mining, an industry Matthew argues is moving to tear into the seabed before scientists even have a baseline understanding of what lives there. This is the first episode in a week-long series on the deep sea, building toward my full interview with Matthew, airing Friday. Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube  

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Dr. Martin and Amy are into some really interesting research! Dr. Martin brought in a study about Evidence-Based and Case-Based Comparison of Modern Face Lift Techniques. Amy brought in a study about Cholesterol-lowering effects of oats induced by microbially produced phenolic metabolites in metabolic syndrome: a randomized controlled trial. School is in session! Keep leaving comments and don't forget you can text us and leave voicemails at 303-630-9038. Body pillow system Beauty and the Surgeon's Amazon Storefront Watch this episode on YouTube: https://youtu.be/to1Ii2Xg3_g Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at plasticsurgery.org

Summary A $30 campsite with a canyon view felt like hitting the jackpot… until Jeff flipped on the lights and watched the floor move. In part five of the DadAwesome Multipliers series, Jeff reads Chapter 19 of the book, "Ant Attack," and unpacks what a million ants taught him about spotting threats, sealing entry points, and cleaning up what already got inside. Then Zach Neese joins with a sobering four minutes on the doorways we open without realizing it, and why nobody else in this world is going to guard your house but you. Heads up: this episode is not designed for little ears. The conversation goes into spiritual warfare, darkness, and the ways private choices affect the people we love most. Top 5 Takeaways The first few ants are scouts, not the problem. Train yourself to look past what's obvious and ask harder questions about attitudes, friend groups, and entertainment choices before they become a full scale invasion. Real freedom propels you to lead. Freedom is not permission to do whatever you want. Healing, forgiveness, and wholeness are what unlock your ability to serve and protect the people God gave you. Threats come through old bridges and new ones. The septic hose was modern convenience turned against them. The tree branches were nature's ancient highway. The tactics evolve, but the goal stays the same. Sealing the doors is not enough. You have to deal with what already got inside, and then intentionally replace it with something life giving. Removing the threat is not the same as restoration. Nobody else in this world is going to guard your house but you. Not schools, not church, not extended family. The assignment is yours, and it takes courage plus God's strength. 5 Quotes "Real freedom propels us to lead. That healing, forgiveness, and wholeness unlock our ability to serve and love the way God designed." (Jeff Zaugg) "A dad fighting his own addiction can't guard his family's doorways. A father still carrying his childhood anger can't see the real threats to his kids." (Jeff Zaugg) "Every open door is a spiritual gateway." (Zach Neese) "We give him permission all the time to rearrange the furniture, so to speak, in our hearts and our house, so that he is the only spirit that feels welcome here." (Zach Neese) "I wasn't just being entertained by a movie. I was being entertained by the spirit behind the movie. And that spirit wasn't just in my closet. That was roving through my house." (Zach Neese)   Guest Bio Zach Neese is a pastor, worship leader, and author who has spent years teaching on worship, spiritual authority, and the doorways we open in our homes. His conversation with Jeff first aired on DadAwesome episode 159, and the clip featured in this episode digs into how entertainment choices, conflict patterns, and private habits can invite influences we never intended to host. (Verify current role and book title before publishing.) Action Steps Reflection Walk your doorways. Grab paper or a note on your phone and list them out: phones, tablets, gaming systems, streaming devices, specific apps, YouTube, Instagram. Look for the white powder. What warning signs have you driven past without asking questions? Notice the small stuff. What are the few ants on the countertop right now? An attitude, a mindset, an entertainment choice that could become a full scale assault? Check your own closet. What is hidden that you have convinced yourself is not really causing harm? Multiplication Who are the men who know what is in your closet? How do you close that gap this month? Share episode 447 with a few dads who are fighting for freedom alongside you. Read Nehemiah 4:13 and 14 with your family and unpack what it means to fight as a family. Listen to the full Zach Neese conversation in episode 159. Apply for the September DadAwesome Accelerator cohort. Activation Cut down one bridge this week. Remove a subscription, remove a device, create a new boundary. Pray out loud. Use the John Eldredge Daily Prayer and the head of household prayer. Out loud matters, because the enemy cannot hear your thoughts. Replace, do not just remove. Pick a book, a rhythm, or a practice to fill the space. Go deeper with the Chapter 19 DadAwesome Lab. LINKS Spartan Team DadAwesome, Dallas, Texas, October 17 https://givebutter.com/DallasSpartan Leave a VOICEMAIL: https://www.speakpipe.com/DadAwesome Join Team Awesomeness (monthly support team) at any level from $7/month to $1000/month... We have 41 families committed to fueling the ministry DadAwesome as we head toward celebrating 9 years of AWESOMENESS this coming winter: https://www.dadawesome.org/give Join the DadAwesome Prayer Team: Text "pray" to (651) 370-8618 Apply to join the next DadAwesome Accelerator Cohort Subscribe to DadAwesome Messages: Text the word "Dad" to (651) 370-8618 7-Day Video Series: dadawesome.org/book Free Chapter + Intro Video Series: dadawesome.org/book Subscribe to DadAwesome Messages: Text "Dad" to (651) 370-8618 DadAwesome Labs, Chapter 19 Episode 159 with Zach Neese https://www.dadawesome.org/blog/216 Entertaining Demons Unaware: Closing the Doors of Demonic Influence in your Life by Zach Neese John Eldredge Daily Prayer https://wildatheart.org/prayer/daily-prayer-john/ Galatians 5:13 Nehemiah 4:13 and 14

Can a federal employee retire at 60 with $850,000 in TSP and a FERS pension? In this episode, Charles and Marcus walk through a real federal retirement case study — the FERS pension formula, Social Security timing, and a safe TSP withdrawal rate — to answer the question everyone in this position is asking: retire now, or wait?━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- The FERS pension formula — and the 10% bonus you get by waiting to age 62 with 20+ years of service- Why Social Security timing can grow your check by 8% a year after age 67- The 4% TSP withdrawal rule — and why it's a fuel gauge, not a hard limit- How to build a 3-pillar income floor: FERS pension + Social Security + TSPAre you within a few years of retiring at 60? Drop your target retirement age below, and I'll tell you the first thing I'd check for your situation.

Trusting your team does not mean abandoning accountability. Delegation without verification creates risk. In this episode of The Level Up Podcast, Paul Alex breaks down why strong leaders give their teams autonomy while still using clear metrics, audits, and accountability systems to protect the business. You can delegate responsibility. You cannot delegate ownership of the outcome. If standards begin slipping and nobody is checking the data, small operational problems can quietly turn into major failures. In this episode, you'll learn: • Why blind trust can become a dangerous leadership mistake• How KPIs create accountability without constant micromanagement• Why regular audits help protect quality and customer retention• How transparency and verification can actually create greater autonomy The truth is simple: Trust your people. Verify the results. Set clear expectations. Track the metrics. Inspect the work without hovering over every decision. When accountability is built into the system, your strongest operators gain more freedom while weak performance becomes impossible to hide. Inspect what you expect. Your Network is your NETWORTH! Make sure to add me on all SOCIAL MEDIA PLATFORMS: Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024 Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you: www.CashSwipe.com FREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com Learn more about your ad choices. Visit megaphone.fm/adchoices

A bi-weekly news show informing you on the latest in Bitcoin, privacy and open source tech hosted by Ungovernables, Max and Q. THIS IS THE TWEET Q WANTS YOU TO SEE: https://x.com/justh0dl/status/2086202393998291138AOBWhat a fucking weekKeyOS v1.3.1 now publicly availableSomething exciting to share on Friday's FTF (delayed by 2 weeks)NEWSThe Coldcard entropy catastropheSources: Coinkite technical backgrounder / The Rage, L0la L33tz / TRM Labs / coldcard.rip / cktripwire.com / Bitcoin Magazine victim surveyEXPLAINERThe largest self-custody theft on record, and it traces back to a single wrong conditional. In March 2021 a build guard checked whether Coldcard's hardware random number generator was defined rather than whether it was enabled, so seed generation silently fell back to a deterministic software PRNG. Every seed made on an affected device from that point carried roughly 40 bits of entropy on Mk2 and Mk3, and about 72 on Mk4, Mk5 and Q, instead of the intended 128. That is guessable. Someone did the maths offline, derived the addresses, checked them against the public chain, and swept everything with a balance. Somewhere between 1,400 and 1,800 bitcoin gone, depending on whose forensics you trust, with a median victim loss of one BTC. The part people keep missing: updating the firmware does not fix an existing seed. A weak seed is weak forever.ACTION FOR LISTENERSMove funds to a brand new seed BEFORE upgrading firmware (Lopp's guidance, on reports of update problems).Use high fees. If you see your own coins in the mempool, the attacker opted into RBF and you can outbid them. Window is minutes.Multisig users: consider a private mempool like Marathon's Slipstream.Keep the device; the UID may prove ownership in any recovery process.Updating does NOT fix an existing seed. A weak seed is weak forever.You are exempt only if you added 50+ fair independent private dice rolls, or used a strong unique BIP39 passphrase stored separately.BTCPay Server: unauthenticated LND macaroon theft, actively exploitedSources: BTCPay security advisory / v2.4.2 release / CoinDesk / TFTCCRITICAL FRAMING NOTE: this is ONE story, not two. The "BTCPay bug" and the "LND credential exploit" are the same event. The vulnerability is the macaroon leak. The Aug 8-9 wave of coverage is follow-up hardening, not a new incident. Do not present them separately.REMEDIATION (updating alone is NOT enough)Update to v2.4.2. Verify "2.4.2" in the footer.Update NBXplorer to 2.6.10+.Revoke and regenerate LND macaroons. Updating stops new theft but does nothing about already-stolen credentials. Deleting files is insufficient; the macaroon root signing key must be destroyed at node level. v2.4.2 does this automatically for standard Docker deployments. Custom reverse proxies, separate Tor services or port forwarding must rotate manually.Move funds out of any BTCPay-generated on-chain hot wallet and recreate it.Update LND to 0.21.1. Audit for unrecognised channel closures, unknown peers, unexplained balance changes.SIDE EFFECT WORTH FLAGGING: v2.4.2 removes public LND API access on Docker deployments, which breaks remote wallet connections such as Zeus connecting to your own BTCPay node. Intentional, no restoration timeline published.BREAKING CHANGE: Greenfield Basic authentication disabled by default five minutes after account creation (#7492). BTCPay: "We are not aware of any user impacted by this breaking change, as API Keys authentication is generally used."Boltz suspends all swaps indefinitelySources: Boltz statement / canary.boltz.exchange / The Defiant / TFTC / Bull Bitcoin statementCORRECTION TO THE COMMON FRAMING: Boltz has not shut down. It suspended swap services indefinitely. And the canary sequence runs the opposite way to the rumour: lapsed → suspended → renewed clean.The Bitcoin Red TeamSources: Calle and Rob Hamilton on Nostr/X / Bitcoin Magazine / CoinDesk / TFTC / OpenSats Red Team FundSUMMARYThis is the story that explains the other four. After the Coldcard exploit, Calle and Rob Hamilton pointed frontier AI models at the open-source Bitcoin stack and started auditing everything. In 108 hours, 25 developers scanned 501 projects and produced 7,958 findings, 1,280 of them rated high or critical, at a compute cost north of 58,000 dollars. They found the BTCPay bug's neighbours, and Boltz cited exactly this dynamic when it switched itself off. The uncomfortable symmetry is that the same capability doing the defending is what an attacker almost certainly used on Coldcard in the first place. And the bottleneck turns out not to be finding bugs, it is telling anyone: only 19.5% of the projects they scanned even have a SECURITY.md file, and only 13.1% list a security contact. The scanners move at machine speed. Responsible disclosure is still hunting around for an email address.BIP-110: the fork that mined two blocks and frozeSources: bip110monitor.com / Peter Todd code review / Aaron van Wirdum, Bitcoin Magazine / Lopp's Layman's Guide / Saylor essay / CoinDeskRELEASESBitcoin core / protocollibsecp256k1 v0.8.0 - 2026-08-03Adds a native Silent Payments (BIP-352) module directly into the crypto library nearly every self-custody wallet builds on, plus up to ~11% faster signature verification. Quietly the most consequential positive release of the fortnight: it lowers the bar for every wallet to ship reusable static receive addresses.Bitcoin Knots v29.4 - 2026-08-08Non-urgent maintenance: fixes a chainstate DB bug causing repeated large rewrites, and adds corruption-detection safeguards around BIP-110 mandatory signaling. No critical fixes. (No Bitcoin Core release in window; latest is v31.1 from 2026-07-08.)Hardware / signingColdcard Firmware 4.2.0 (Mk2/Mk3) - 2026-08-03The patch for the entropy catastrophe. Affected ranges: Mk2/Mk3 4.0.1 through 4.1.9; Mk4/Mk5 all before 5.6.0; Q all before 1.5.0Q. Companion fixes shipped the same day: 5.6.0 Mk4/Mk5, 1.5.0Q, 6.6.0X Edge, 6.6.0QX Edge Q. Updating does NOT fix an existing seed - changelog says Mk3 users "must regenerate any seeds made on earlier versions as their entropy is critically low at just ~40 bits." TAPSIGNER, OPENDIME and SATSCARD unaffected.Krux 26.08.0 - 2026-08-04Maintainer odudex is stepping down and the project may be archived. "Krux was not created by me: Jeff started it and passed it on to me, and now it is my turn to pass the torch." On succession: "Krux may be carried on by another maintainer, if a proof-of-work backed Krux contributor accepts the role. Otherwise the Krux project will be put in sunset mode and gracefully archived in a few months." Cause is hardware, not drama: "K210 chips are no longer produced, and Canaan dropped the Kendryte line entirely." Substantial release regardless: fixes a heap buffer overflow in the camera entropy module, adds stricter PSBT fee-calculation checks, replaces the Python UR stack with a faster C module, and makes Krux Installer fully offline.Frostsnap v0.3.0 - 2026-08-05FROST threshold-signing device ships reproducible/deterministic builds and "a fresh release signing key as part of an overhauled release-signing pipeline." Well timed in a fortnight where "can you verify what is running on your signer" is the whole conversation. Catch: the new key breaks in-place Android updates, so direct-APK users must uninstall, reinstall, and re-visit their threshold devices to restore.Trezor Suite v26.7.4 - 2026-08-04Lowers minimum Normal-priority fee rate to 0.2 sat/vB and ships updated Safe 7/5/3 and Model T firmware with security improvements.BitBoxApp 4.51.4 - 2026-08-07Bundles new BitBox02 firmware v9.26.5.Specter Desktop v2.1.11 - 2026-08-09Genuinely security-relevant: adds auth and CSRF protection to the HWI bridge settings, restores validation of active API tokens so revoked JWTs are rejected, and warns that Specter's auth layer does not encrypt the data folder. Also ships an in-app Coldcard Mk3 seed-entropy advisory.Bitkey source/2026-08-02-0031 - 2026-08-02Block's consumer hardware wallet, routine source drop.LightningBTCPay Server v2.4.2 - 2026-08-07Actively exploited, funds already stolen. "This release contains fix of a critical vulnerability that is being actively exploited. You need to update as fast as you can." Unauthenticated remote .macaroon disclosure for LND, plus a TOTP 2FA bypass via Greenfield Basic auth. Requires NBXplorer 2.6.10. Breaking change: Basic auth disabled by default five minutes after account creation. See News item 2 for full remediation.lnd v0.21.2-beta.rc1 and v0.20.3-beta.rc1 - 2026-08-08Not security releases and not related to the BTCPay exploit. Migration/stability fixes only: KV-to-SQL payment migration edge case, channeldb migration recovery, invoice handling, data races, bounded memory on graph sync.Zeus v13.1.3 - 2026-07-27Adds LND v0.21.1-beta support for embedded and remote nodes; patches known vulnerabilities in the ws, js-yaml and markdown-it dependencies. (Note: Zeus also shipped an unreleased swap-security sprint on 08-04 - verify…

Richard McGirr is the co-founder of Property Llama and Property Llama Capital, an income focused fund of funds sponsor that helps accredited investors turn underperforming real estate equity into passively managed, cash flowing investments. He also hosts Unlimited Capital on the Best Ever CRE network, where he covers capital raising, fund operations, and the business of building investment platforms. A lifelong entrepreneur, Richard started his first company in college and later spent eight years in China building a software engineering services firm to more than 85 employees. Wanting assets that worked for him instead of headcount, he moved into single family rentals and eventually partnered with Chris Lopez to launch Property Llama. Today his firm invests exclusively in debt funds, using a fund of funds structure to convert idle equity into contractual monthly income. Richard McGirr joins John to explain why so many long-term single family landlords are sitting on millions in equity while earning almost nothing in cash flow. Using data from roughly 6,000 rentals inside the Property Llama platform, where the average return is negative 1% cash on cash, Richard breaks down how a decade of appreciation and debt paydown quietly eroded return on equity. From there, the conversation turns to debt funds. Richard explains how hard money lending to flippers works, why six month loan terms and LTV cushions change the risk profile, and where the real danger sits. He also walks through the fund of funds structure behind Property Llama Capital, the fee discount he negotiated by committing scale, and the operational audit he runs on any lender before placing a dollar with them.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways  Re-underwrite your rentals at today's values, not your purchase price  Track return on equity, not just cash flow, as debt gets paid down  Debt funds pay contractual cash flow from day one, backed by an LTV cushion  Shorter loan terms shrink the window for things to go wrong  Fraud, not default, is the risk that wipes out lenders  Diversify across a loan pool instead of funding one deal at a time     Topics From Software Founder to Real Estate Investor  Built a software engineering services firm in China to over 85 employees  Left a headcount driven business in search of cash flowing assets  Partnered with Chris Lopez by adding value to an already established operator Why the Average Single Family Rental Returns Negative 1%  Roughly 6,000 rentals in the Property Llama system average negative 1% cash on cash  Rents are flat or falling while insurance, vacancy, and CapEx climb  Richard's own Colorado Springs rent fell about 30% after a supply wave The Return on Equity Problem  The education industry teaches investors how to buy, not how to reassess what they own  A property bought at a 7 cap can become a 3.5 cap when values outpace rents  80% LTV becomes 20% LTV, and returns slide from the high teens into single digits The Equity Rich, Income Poor Landlord  Typical client holds 3 to 8 rentals with several million in equity near retirement  Most target $10,000 to $20,000 a month and sit closer to $3,000  Cash out refinances no longer close the gap at current rates Debt Funds 101  A pool of performing loans secured by title on real property  Hard money lenders fund flippers who need high LTV and five day closings  Fully loaded returns run 15% to 18% including origination Why Hard Money Risk Is Structurally Lower  Six month terms limit what can go wrong versus a ten year horizon  A 25% LTV cushion rarely erodes inside six months  Single family homes are the easiest real estate asset to liquidate Fund Investing vs. Lending on Your Own  Private lending demands underwriting, fast closings, draw management, and workouts  A single Denver flip loan can require $1.3 million of capital  $100,000 into a fund buys a slice of 50 loans instead of one Lending Is a Real Operating Business  Lenders run origination, marketing, servicing, and accounting departments  On a 50 loan book, roughly 8% pays off every month and must be replaced  Richard's largest lender partner employs 40 people Building the Fund of Funds Model  Property Llama Capital launched asset light and headcount light by design  Raising capital for another sponsor's deal without a license is a serious violation  Committing $5 million earned a 30% fee discount, split evenly with LPs How Richard Audits a Lender  Request written credit box, servicing, and draw processes  Sample 20% of the loan tape and match a document to every step  Verify title at the county and confirm payoff wires in the bank account    

This week on the How to Protect the Ocean podcast, Andrew kicks off a science communication series exploring how ocean advocates can spread awareness across every major content format. Today's episode digs into short-form video: TikTok, Instagram Reels, and YouTube Shorts, and what it actually takes to make original content work when you're used to talking for an hour, not ninety seconds. Andrew is candid about his own struggle with the format, since most of his short-form output today is repurposed podcast clips rather than content built for the platform from the ground up. The conversation covers what separates a scroll-stopping short from one that gets skipped: a hook in the first one to three seconds, one idea per video, native casual style over polished production, readable captions, and consistency over perfection. Andrew points to Christian Parton's Shark Bites and KPassionate as creators doing this well across YouTube, TikTok, Instagram, and Twitch, and explains how the algorithm on platforms like TikTok now prioritizes watch time and virality over follower count, meaning a single video from a small account can outperform everything else in a creator's catalog. The episode closes with a candid look at monetization: what TikTok, YouTube Shorts, and Instagram Reels actually pay per view [VERIFY figures before publishing], why the real money in short-form tends to come from brand sponsorships, affiliate codes, and funneling viewers to a long-form platform or Patreon-style support, and why short-form works best as an entry point rather than a destination. This is the first episode in a week-long arc on science communication formats, building toward Friday's interview with Amy Weldon of Blue Collar White Coat. Takeaways Short-form content needs a hook in the first one to three seconds or the algorithm moves on Stick to one idea per video, delivered in one to three minutes Native, casual, direct-to-camera style tends to outperform overly produced content Captions matter because most viewers watch with the sound off The algorithm rewards watch time and virality over follower count, so small accounts can go viral Consistency over perfection is what builds a following over time Short-form monetization pay rates are modest [VERIFY]; real income tends to come from sponsorships, affiliates, and funneling to long-form or Patreon-style support Short-form is best used as an entry point into a creator's larger body of work, not the destination Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube  

What would you do if you discovered two trusted executives had allegedly stolen nearly $1 million from your law firm? In this episode of Great Practice, Great Life, Steve Riley sits down with attorney Craig Goldenfarb to discuss one of the most challenging moments of his career and the leadership lessons that followed. Rather than retreating into micromanagement, Craig rebuilt his firm with stronger systems, better accountability, and a renewed approach to delegation. This is more than a story about fraud. It's a conversation about trust, leadership, and how to protect your firm without becoming the bottleneck. If you're building a growing law firm and wondering how to delegate with confidence while protecting the business you've worked so hard to create, this episode is one you won't want to miss. In this episode, you will hear: The leadership lessons that emerged from a major breach of trust How to delegate without losing visibility or accountability Financial safeguards every growing law firm should consider The role of systems, vendors, and team oversight Rebuilding trust while continuing to grow ___________ Subscribe & Review Never miss an episode. Subscribe on Apple Podcasts, Spotify, or YouTube. ⭐Like what you hear? A quick review helps more people find the show.⭐ If there's a topic you would like us to cover on an upcoming episode, please email us at steve.riley@atticusadvantage.com. ___________ Supporting Resources: Craig M. Goldenfarb https://goldlaw.com/about/attorneys/craig-m-goldenfarb GOLDLAW https://goldlaw.com The Secrets to Becoming an 8-Figure Attorney with Craig Goldenfarb https://atticusadvantage.com/podcast/the-secrets-to-becoming-an-8-figure-attorney-with-craig-goldenfarb Referral Marketing Secrets to Scale Your Law Firm with Craig Goldenfarb https://atticusadvantage.com/podcast/referral-marketing-secrets The Summit https://atticussummit.com Group Coaching https://buildmygreatteam.com Atticus Newsletter https://atticusadvantage.com/newsletter-signup ___________ Curious about growing your own practice without burning out? Contact Atticus to see whether our law firm coaching can help you strengthen attorney success, refine your law firm business strategy, and build a practice that actually supports your life. This podcast for lawyers is part of our broader legal podcast library, offering practical insights on how to grow a law firm through stronger law firm leadership, law firm pricing and management, smarter marketing, intentional hiring, efficient operations, healthy law firm culture, and sustainable profitability, all while addressing law firm burnout and the realities of modern practice. You can also sign up for our newsletter to get practical insights on how to grow a law firm: from law firm leadership and management to marketing, hiring, operations, culture, and profitability, so you can build a Great Practice and a Great Life.

In a landscape where convenience is a weapon used by scammers and corporate giants, your choice of wallet is the only thing standing between financial sovereignty and total loss. Most people treat their crypto like a savings account at a bank; they trust the “brand,” they trust the “user-friendly” interface, and they trust the influencers telling them everything is fine. That trust is a death trap… Over 8,000 Bitcoin (BTC) investors recently watched their life savings vanish because of a lack of entropy in the random number generator for Coldcard, a popular hardware wallet. In plain English: the “random” numbers used to secure their keys weren't random at all. They were predictable. And when the keys are predictable, the hackers don't even have to work; they just walk through the front door. That's all by design… When you choose a wallet that sacrifices entropy for ease of use, you aren't buying convenience. You're buying a ticket to become a victim. Watch on: Odysee | YouTube | X | Rumble | Bitchute | Vigilante.tv Real security is a science, not a feeling. If your software isn't open-source and verifiable, you aren't practicing security; you're practicing faith. And in this game, faith gets you liquidated. But let's look deeper. Why are we being pushed toward these fragile systems? Because there is a concerted effort toward the hijacking of Bitcoin. There are serious allegations that interests linked to Jeffrey Epstein funded a shift in the narrative, turning BTC from a disruptive technical tool into a “store of value” religion. They want you to HODL. They want you in a cult-like echo chamber where “Maxi” influencers tell you the system is perfect as it is. This “ossification” lobotomizes the technology. It strips away the reality that Bitcoin is actually a Turing complete supercomputer and a truth machine capable of on-chain AI and total transparency. If you're just following the herd, you're the product… Don't trust. Verify. Even “air-gapped” hardware is no guarantee if the randomness behind your keys is broken. Verification, not brand loyalty, is what keeps you sovereign. The sovereign toolkit requires assets that are private-by-default and hardware that never touches the internet. That is the only way of thriving in an on-chain world where surveillance is the default setting. The Great Divide is happening here, too. On one side, the indoctrinated victims. On the other, the intelligent human nodes who own their keys and their minds. Which side are you on? Follow me on X @VamosVigilante Want to be on the pulse of crypto? Access our exclusive portfolio, insider reports, full archive of monthly newsletters, real-time market updates, buy/sell alerts, and private community chat and get instant access to the latest issue of our monthly newsletter… Subscribe now! FREE “Crypto 101” Video Training – Watch Our Millionaire Crypto Analyst Reveal the Exact Crypto Wallet Setup He Wished He Had When Starting Out: https://CryptoVigilante.io/crypto101TCV Summit: “What Matters Most in Crypto” | https://dollarvigilante.spiffy.co/checkout/what-matters-most Replay videos available! The Crypto Vigilante (Follow on All Socials) The post Operational Security in a Hostile Era: Don’t Get Scammed appeared first on The Crypto Vigilante.

Darren often says: "We must connect before we can educate, inspire or persuade." Today, Darren and Mark talk with veteran late-night comedy writer and Human Humor Detector Chris McGuire about the importance of connecting quickly. Chris lays out a proven strategy that will help any presenter to connect early and effectively…especially when speaking to high-stakes audiences.   SNIPPETS: • You must connect early • Audiences immediately want to know what's in it for them   • Become a pain point detective   • Show that you see them and you get them   • Use the language of the room   • Open a case file   • Verify you research   • Use 'bits' and 'run a comedic play' to do the heavy lifting   • Use location humor   • Use custom humor   • Without connection, content is irrelevant

'Three Pistols' as an opener. Nobody in the Saddledome saw that coming, least of all the guy who'd spent the whole week camping.Episode summaryAugust 1st, 2016. The Scotiabank Saddledome. The Tragically Hip are working eastward, homebound to Kingston, and the Man Machine Poem Tour rolls into Calgary for the first of two nights. Ten years on, three people who were in that building sit down and tell jD what it actually felt like.Spencer from Calgary was at both Calgary shows, and two days before this one he woke up from an afternoon nap, found face-value seats for Edmonton five hours before downbeat, and drove up the highway without packing a bag. Paul from Lethbridge talked himself out of the on-sale entirely, spent a fortnight regretting it, then bought behind-the-stage seats on the secondary market and has never regretted that. Steve from Toronto is a cancer survivor. He brought his fiancee to her first proper Hip show and found two old friends sitting directly in front of him.They talk about the email nobody was ready for. They talk about decoding the album blocks in real time, and about 'World Container' surfacing for the first time since 2009 with Gord Downie working the teleprompter and grinning through a fumble. They talk about a concourse so packed you could not move, a merch line that looked like a family reunion, and a version of 'Grace, Too' that Spencer says he will never shake.Nobody here is claiming to be the expert. They were just in the room. This is the Calgary night, told back by the people who lived it.Key takeaways• Steve from Toronto is a cancer survivor, so the diagnosis email landed on him twice over. Once as a fan, once as somebody who already knew the vocabulary.• Spencer from Calgary got Edmonton tickets at face value five hours before showtime, drove up with no bag packed, sat down with a hot dog and a beer, and the band walked out thirty seconds later.• Paul from Lethbridge and his buddy Nick skipped the on-sale, realized their error about a fortnight later, and bought in behind the stage. Hundreds of shows between them and this one still tops the list.• 'The Kids Don't Get It' was a tour debut that night, and 'World Container' had not been played live since 2009 (source: setlist.fm). Paul clocked the second one in the moment.• All three describe the same night from three different seats, and none of them describe a party. The word Paul reaches for is communal. He lands on an upbeat church service.Quotes“It was like this is happening to my friend Gord, which is a weird feeling to feel about someone that you've never known.”Paul from Lethbridge [MM:SS]“I used to complain that they didn't mix things up enough. I would do anything right now to get the most basic paint by numbers Tragically Hip set list if it meant being able to see that band one more time.”Steve from Toronto [MM:SS]Guest information• Spencer from Calgary - both Calgary nights plus an unplanned Edmonton run. Took his sister and his brother. Still the only concert the three of them have been to together.• Paul from Lethbridge - bought late, behind the stage, no regrets. Went with Nick, his concert guy. 'World Container' is a top-five song for him and he had never heard it live.• Steve from Toronto - cancer survivor. Five shows on the tour, Kingston included. Calgary was his now-wife's first proper Hip show.Resources, links and references• setlist.fm - the full Calgary, August 1 2016 setlist, including the 'The Kids Don't Get It' tour debut and the 'World Container' return. [hyperlink: setlist.fm Calgary Aug 1 2016]• Hipbase - primary source for The Tragically Hip setlists and discography, cross-referenced against setlist.fm for this episode. [hyperlink: Hipbase]• Long Time Running (2017) - the tour documentary both Paul and Steve credit with showing them how close the whole thing came to not happening. [hyperlink: Long Time Running]• The Ride to Conquer Cancer, benefiting The Princess Margaret Cancer Foundation - Steve rides with a team called The Tragically Clipped, a name that predates Gord's diagnosis. [hyperlink] [VERIFY with Steve: team spelling, ride count, and the total raised]• GEDfest Toronto 2026, with Campfire Circle as cause partner - mentioned on mic. Details pending, see note under Upcoming events. [hyperlink pending]• Hipstories - Jake Gold - the earlier Hipstories conversations, from the archive. [hyperlink]• Hipstories - Paul Langlois - the guitarist on the band's own terms. [hyperlink]• Hipstories - Alan Cross - the wider Canadian music context. [hyperlink]Calls to actionLeave yer Hipstory. This series is built out of them, and there are eleven more nights of that tour still to stitch back together. If you were there, or if you watched it from a couch and ugly-cried into a pillow, that counts too. [hyperlink: Leave yer Hipstory - reflections.tthpods.com]Come sit in the rec room. The Facebook community is where these conversations keep going after the episode ends. [hyperlink: Join the community - community.tthpods.com]Buy jD a coffeeEditing is hard. Help keep the battery charged and buy jD a coffee. Tips only, no guilt. [hyperlink: Buy jD a coffee - buymeacoffee.com/tthtop40]Closing paragraphSpencer, thank you for the Edmonton story, which is the single best piece of dumb luck anyone has brought to this series so far. Paul, thank you for 'World Container' and for the phrase upbeat church service, which is the closest anybody has come to naming what those rooms felt like. Steve, thank you for Jay. Spending the last two hours of a friendship at a Hip show is not nothing, and neither is saying so out loud.jD spent most of that summer in a psychiatric hospital and missed the tour entirely, which is a fair part of why this show exists at all. Ten years later the record gets built out of other people's memories. So there's that.Come back in two days for Calgary, August 3 2016. Same building, different night.Socials and community• Facebook: [hyperlink: The community group - community.tthpods.com]Support this podcast at — https://redcircle.com/tthtop40/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Over 500 published papers stand behind one of the internet's most popular peptides, but fewer than 30 of the humans studied are in them. Dr. Gabrielle Lyon separates the molecule from the marketplace so you can tell real evidence from good marketing.In this solo episode, Dr. Gabrielle Lyon discusses:Why BPC-157's "mountain of evidence" collapses to a 99.7% animal-to-human ratio - 544 papers, but fewer than 30 humans across three uncontrolled pilot trialsHow to place any peptide on the spectrum from FDA-approved (GLP-1s like semaglutide) to investigational to compounded, and why "GLP-1s work, so peptides work" is a trapWhat the FDA quietly did in April 2026, and why removing a dozen peptides from its safety-concern list was driven by policy pressure, not new safety dataThe 4 questions to run on any peptide before you inject level of evidence, what the study measured, where it's sourced from, and whether it's banned in tested sportWhy the "boring work", resistance training, protein-anchored nutrition, and real recovery beat almost anything in a vialIf something is going into your body through a needle, the standard has to be higher than three words on a label that say "research use only." This episode gives you the framework to protect yourself before spending a dollar or taking a shot.Thank you to our sponsors:Head to https://bit.ly/4ftfObn and use code DRLYON for 25% off sitewide. That is K-E-T-T-L-E and Fire dot com slash DRLYON, code DRLYON for 25% off. Also available at select Sprouts, Whole Foods, and Kroger locations nationwide.BodyHealth - Use the code LYON20 to get 20% off your first order https://bit.ly/4vZs75j OneSkin - Get 15% off at https://bit.ly/44XXQYy with code DRLYONExplore More from Dr. Gabrielle LyonPremium Podcast Subscription: Ad-free episodes, key takeaway summaries, exclusive Q&A, and behind-the-scenes content https://foreverstrong.supercast.comWeekly newsletter: Recipes, podcast updates, and practical weekly insights https://drgabriellelyon.com/sign-up/Apply to become a patient: Personalized care with Dr. Lyon's clinical team https://drgabriellelyon.com/new-patient-inquiry/Connect with Dr. Gabrielle Lyon:Instagram: https://www.instagram.com/drgabriellelyon/TikTok: https://www.tiktok.com/@drgabriellelyon X (Twitter): https://x.com/drgabriellelyonFacebook: https://www.facebook.com/doctorgabriellelyon Chapters00:00 - Introduction01:30 - What a peptide is03:40 - The first mistake: treating peptides as one category05:50 - GLP-1s and the "peptides work" fallacy09:30 - FDA-approved peptides: tesamorelin and s15:40 - Repair peptides: BPC-157 and the Wolverine stack16:30 - 544 studies, 30 humans: the evidence gap20:00 - The strongest case for peptides25:30 - The strongest case against peptides29:00 - Compounded peptides and contamination risk30:00 - What the FDA quietly did in April 202633:40 - The 4 questions to ask before any peptide37:40 - The boring work that changes your life If you found this episode valuable, share it with someone who would benefit from it.Disclaimers: This episode includes paid sponsorships. The Dr. Gabrielle Lyon Podcast and YouTube are for general information purposes only and do not constitute the practice of medicine, nursing, or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast, YouTube, or materials linked from this podcast or YouTube is at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Users should not disregard or delay in obtaining medical advice for any medical condition they may have and should seek the assistance of their health care professional for any such conditions.

This week, Axe and Heilemann are joined by a Hack from across the pond and all-around political savant, Jonathan Freedland. Jonathan is a Guardian columnist, host of Politics Weekly America, and co-host of Unholy, the podcast covering Israel and the Middle East. The Hacks dive into the biggest stories of the week, including the sudden passing of Senator Lindsey Graham and the political legacy he leaves behind, Trump's war against Iran, the Democratic Party's evolving stance on Israel, chunky forearms, bin-faced politicians, and so much more. Photo by BENJAMIN CREMEL/AFP via Getty Images Learn more about your ad choices. Visit podcastchoices.com/adchoices