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Pharmacists and real estate investors Nate Hedrick and David Bright explore today's shifting housing market and ask: Is real estate investing less volatile than the stock market? Episode Summary In this episode, pharmacists and real estate investors Nate Hedrick and David Bright break down what they're seeing in today's real estate market, from inconsistent pricing strategies to shifting buyer and seller behavior, and explore the bigger question: Is real estate investing less volatile than the stock market? They reflect on how current trends compare to recent years and what that means for investors looking to buy, flip, or hold in 2025. Whether you're new to real estate or reassessing your strategy in an unpredictable market, this episode offers timely insights to help you invest with more confidence. Mentioned on the Show Lessons from the Red: Navigating Big Market Dips Median Sales Price of Houses Sold for the United States Has Real Estate or the Stock Market Performed Better Historically? S&P 500 Average Returns and Historical Performance
“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.”With those words, Warren Buffett reminded us that character and integrity matter—especially in the world of money. Now, after more than sixty years of market-shaping moves and famous one-liners, Buffett is calling it a career. Today, Matt Bell joins us to reflect on his legacy and share what timeless lessons every investor can learn from it.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. A Track Record That's Hard to IgnoreIf you had invested $100 in Berkshire Hathaway back in 1965, that single investment would have grown to over $5.5 million by the end of last year. Compare that with the S&P 500 over the same period, which would have turned $100 into just $39,000. Clearly, Buffett did something different.One unconventional move? He never issued dividends for Berkshire Hathaway, instead reinvesting profits to increase share value. That patient, long-view approach paid off—and it hints at biblical principles like delayed gratification and wise stewardship (Proverbs 21:20).Buffett famously said, “Be fearful when others are greedy and greedy when others are fearful.” While Christians would rightly reject greed and fear as motivations, the deeper principle here is about remaining steady and disciplined in volatile times—echoing Proverbs 14:15: “The simple believe everything, but the prudent give thought to their steps.”Buffett often waited with cash on hand until the right opportunities appeared, especially during downturns. That patience and discernment mirrors biblical instruction to avoid impulsiveness and instead seek wisdom in decision-making.Investing Lessons With Biblical ParallelsOver the years, Buffett offered dozens of pithy insights that mirror biblical truth. Here are a few standouts:“If you don't find a way to make money while you sleep, you'll work until you die.”—This speaks to the wisdom of putting money to productive use—earning a return through thoughtful investing, a principle echoed in the Parable of the Talents (Matthew 25). “Risk comes from not knowing what you're doing.”—In Proverbs 15:22, we're reminded that “Plans fail for lack of counsel, but with many advisers they succeed.” Financial ignorance creates risk, but biblical stewardship calls for wisdom and learning. Diversification, emotional control, and long-term vision—Buffett emphasized all three. These align with a measured, prudent approach to money that Scripture continually encourages.Buffett never let global turmoil shake his confidence in long-term investing. He wrote, “In the 20th century, the U.S. endured world wars, recessions, a depression, oil shocks, and more—yet the Dow rose from 66 to 11,497.” His takeaway: “It's been a terrible mistake to bet against America.”While our hope as Christians isn't rooted in any one nation's economy, Buffett's long view reminds us of the value of endurance and not making decisions based on fear or short-term noise (see James 1:5–6).Generosity and LegacyPerhaps most inspiring is Buffett's commitment to give away 99% of his wealth. He plans to direct his Berkshire Hathaway shares toward philanthropic causes within ten years of his estate being settled. While we may differ on where those funds go, the posture of open-handed generosity reflects Jesus' teaching: “It is more blessed to give than to receive” (Acts 20:35).Buffett's success wasn't just about intellect—it was about character: discipline, patience, and generosity. These are values every believer is called to cultivate. As you manage your resources, consider how biblical principles—often echoed in even the most unlikely places—can shape a wise, faithful financial life.To explore these ideas further, read Matt Bell's full article, The Wisdom of Warren Buffett at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I've never had a credit card before, but I recently received a pre-qualified offer from Capital One. They mentioned they've reviewed my credit and noticed I'm keeping up with my bills. Should I consider applying for this card, and how can I verify that the offer is legitimate?As a grandmother, I'm concerned that my grandchildren aren't learning essential financial skills from their parents. I'd love to step in and help, especially with my 20-year-old grandchild. What is the best way to encourage them to save money and manage their finances wisely?Over the past couple of years, God has really blessed me with increased income, and I'm incredibly grateful. I live simply, help my parents, and avoid lifestyle inflation—but I want to make sure I'm handling this increase in a way that honors God. How can I manage this money with biblical stewardship in mind?I'm in a strong financial position—no debt, and I tithe faithfully. I just received $15,000 from selling off some business assets and want to invest it wisely. I'd like it to earn a good return, but I also want it to remain accessible if needed. What are some smart options that fit my situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingThe Wisdom of Warren Buffett by Matt Bell (Sound Mind Investing Article)Bankrate | NerdwalletOpen Hands FinanceChristian Community Credit UnionWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
BefuddledPanda and Kyptan chat (spoiler-free) about Volatile Memory by Seth Haddon, an upcoming sapphic sci-fi action adventure novella.Disclaimer: Green Team received an ARC of Volatile Memory by Seth Haddon courtesy of NetGalley and Tordotcom. We thank them for the early copy for review. All opinions are our own. Volatile Memory releases on July 22nd, 2025. Hope you enjoy the episode. Video of a lyrebird: https://youtu.be/VjE0Kdfos4Y?si=p7Fd6p6iqbJ8JJu9Find us on:Discord: https://discord.gg/FNcpuuABlueSky: https://bsky.app/profile/greenteampod.bsky.socialThreads: https://www.threads.net/@greenteampodReddit: https://www.reddit.com/r/thelegendarium/Suggestion Box: https://forms.gle/Nsz6URWeq3JeeZnGA
Stocks were taken on a wild ride Wednesday, as a White House official indicated to CNBC that President Trump was moving closer to firing Jerome Powell from his post as Federal Reserve chairman, initially knocking down the S&P 500. The benchmark rebounded as Trump later denied the report, but traders still fear he could follow through. We'll cover every angle of that story, and the market impact, for you.
Joel Elconin, Co-Host of the PreMarket Prep Show and Co-Founder of the Stock Trader Network, joins me for a wild trading session as the general US stock indexes blast to new all-time highs, and many tech and growth stocks have some very volatile trading in this risk-on environment. Key topics include: The S&P 500 and Nasdaq blasted up to new all-time highs in Thursday's trading session. We talk about what a different week we are having compared to what many projected we'd have, initially thinking the Trump reciprocal tariffs were coming off this week. Instead they were pushed back and the TACO trade is alive and well. Travel and leisure stocks surged, with notable moves higher this week from Delta Airlines and Royal Caribbean. This brings up the concept of “digital nomads” and how as many as 50 million individuals are taking their digital work with them to travel more and work in multiple destinations. Growth stock are in and value stocks are out. Berkshire Hathaway, one of the preeminent value stocks has been in a downtrend since May, coinciding both with the markets breaking higher, and Warren Buffett stepping down from the company he built over multiple decades. Tesla remains resilient, no matter how many tangents Elon Musk goes on publicly. Joel reviews technical levels in (TLSA), but points out that it is somewhat of a cult stock, and there always ends up being a bid come in for this “love stock.” There has been an unusual opportunity developing in the trading arbitrage since the new market darling CoreWeave, Inc (CRWV) announced its intention to acquire Core Scientific (CORZ). Joel breaks down how the pair trade evolved with a “buy the rumor sell the news” effect, and how there wasn't a good way to borrow short against CoreWeave, so the arbitrage got wider, but there was uncertainty on if the deal will go through keep some investors from buying Core Scientific. The gap is starting to narrow more, but it could still be a compelling arb-trade for those traders with the right risk tolerance temperament. MP Materials (MP) skyrocketed up roughly 50% on Thursday's session after the US government became their largest shareholder. US Defense Department just announced becoming MP Materials' biggest shareholder in a multibillion-dollar deal to boost output of rare earth magnets and help loosen China's grip on the materials used to build weapons, electric vehicles and many electronics. Click here to visit Joel's PreMarket Prep website. Click here to visit the Stock Trader Network.
Feeder cattle hit historic highs on USDA's Mexico border pause due to screw worm scare, but quickly fell. Grain trade mixed ahead of key WASDE report.
Are you feeling the pressure? You're not alone, July 2025 is one of the most powerful and Volatile months we've seen in decades- astrology, psychically and Globally. at least that is what is being said through astrology and psychic predictions not only Psychic Debbie Griggs but well known like Jeanie Dixon. Are these predictions written in the stars,? the global political shakeups, cyber warfare, natural disasters and even a market crash?. We will talk about the potential earthquakes, volcanoes, plane and train disruptions, financial manipulations and rising truth movements. I will also share dates to watch, these are not facts , just predictions. Psychic Debbie is not a financial advisor or a doctor If you enjoyed this video and would like to make a donation, please use the following link. Thank You. https://psychicdebbie.com/donations/ ENTERTAINMENT ONLY Debbie's Links= https://linktr.ee/psychicdebbiegriggs email= photopsychicdebbie@gmail.com email= ghosthuntinggrandmas@gmail.com Debbie's P.O. Box: P.O. Box 5882, Oxnard, CA 93031, or for street addressing: 1961 N. C Street, #5882, Oxnard, CA 93031
Derek Moore looks at some data showing that buying markets at all-time highs isn't so bad. Plus, after years of listening to how the dollar has lost 90% of its value or more, let's set the record straight about whether this is a fallacy or truth. You might be surprised by the data. Then, examine the volatility and drawdowns of gold prices. Yeah, they drawdown more than you'd have thought. Oh, and going long the F1 Movie! Comparing drawdowns in Gold, S&P 500 index, and 5-Year Treasuries over the last 18 years How to calculate the loss in purchasing power of the U.S. Dollar Inflation adjusted returns across 3-Month Treasury Bills, S&P 500 Index, and Gold Comparing putting your money under a mattress vs storing it in 3-month T-bills Why the dollar has lost almost all its value over time is a lazy statement Stock market returns after it reaches an all-time high Time to recover in the S&P 500 Index post a decline of -19% or more Mentioned in this Episode Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag Contact Derek derek.moore@zegainvestments.com
Das neue US-Haushaltsgesetz könnte erhebliche Auswirkungen auf die US-Wirtschaft und den internationalen Handel haben. Und: Wie deutsche Firmen schwankende Strompreise für sich nutzen.
It’s been quite a choppy ride for oil prices in the past week. We’ve seen prices ease on tariff uncertainties - as that weighs on the global growth outlook and demand. On the other hand, headlines around geopolitics in the middle east have weighed on the supply side of the equation to support prices. Lavanya Venkateswaran, Senior ASEAN Economist, OCBC discusses what to look out for in 2H2025. Produced/Presented: Ryan Huang See omnystudio.com/listener for privacy information.
Send us a textPeter Cottle, Head of Supply Chain at Walker Filtration, shares insights on leadership and innovation in modern supply chains:Leadership built on accountability, emotional intelligence, and trustResilience through data visibility, early warning systems, and smart tech investmentSustainability and mentorship as tools to attract talent and drive long-term valueSummary: Peter highlights how strong leadership, technological foresight, and purpose-driven strategies are reshaping the supply chain landscape—making it more resilient, future-ready, and people-focused.Enjoyed the episode? Like, subscribe, and share to support the podcast.Please subscribe to the channel for more content! Theo James are a Manufacturing & Engineering Recruiter based in the North East, helping Manufacturing and Engineering firms grow across the UK. Please call us on 0191 5111 298
Overview: Tune into this week's episode of Launch Financial as we wrap up the second quarter of 2025 and reflect on how the markets volatile ride through the first half of the year. Plus we share our outlook for Q3 and beyond—and top of mind planning items to tackle for the rest of 2025. Email info@shermanwealth.com with any questions. Show Notes:
Police say burglars broke into Brad Pitt's Los Feliz home while he was abroad. The case joins a string of recent high-profile break-ins involving athletes and actors. Jeff Bezos and Lauren Sánchez's celebrity-filled wedding in Venice is drawing headlines for its glamour and raising questions about excess. After nearly four decades as editor in chief, Anna Wintour is stepping aside from her signature role at Vogue. The 75-year-old will retain global responsibilities at Condé Nast as the magazine searches for a new editorial leader. Ticket prices for major tours are shifting fast, with fans paying vastly different amounts for the same seats. CBS News' Ash-har Quraishi breaks down the unpredictable pricing trend. A growing number of tweens known as "Sephora Kids," are sharing beauty routines online and buying products meant for adults. Lisa Ling reports on what's fueling the trend and why dermatologists and parents are concerned. Known for chart-toppers like "Unwritten" and "These Words," Natasha Bedingfield is set to headline a fall tour across the United States. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
In a world filled with so much uncertainty, it's easy to feel overwhelmed by what you can't control. Volatile markets, shifting tax laws, and political noise don't seem to be going away anytime soon. But when it comes to retirement planning, there are things you can control, and they're far more powerful than most people realize. In this episode, Lee walks through the four key areas retirees should focus on to build clarity, confidence, and peace of mind. He shares how his “financial house” model helps retirees decide how much risk they're comfortable with, and why flexibility is the key to effective income planning. You'll also hear why it's worth paying attention to future tax exposure and how to plan around Social Security instead of depending on it. Rather than obsessing over political gridlock or looming program changes, Lee shows how to reduce reliance on government promises and build a retirement plan that stands strong regardless of what's happening in Washington or on Wall Street. Here's what we discuss in today's show:
From the BBC World Service: The price of Brent crude oil has fallen to $69 a barrel, despite a statement from Israel saying that it has identified missiles launched from Iran earlier this morning, something Iran has denied. Israel had announced it had agreed to a U.S.-brokered ceasefire with Iran earlier today, causing the oil price to drop 15% from a high of $81 a barrel yesterday. Plus, Google comes under pressure and a tariff deadline looms.
From the BBC World Service: The price of Brent crude oil has fallen to $69 a barrel, despite a statement from Israel saying that it has identified missiles launched from Iran earlier this morning, something Iran has denied. Israel had announced it had agreed to a U.S.-brokered ceasefire with Iran earlier today, causing the oil price to drop 15% from a high of $81 a barrel yesterday. Plus, Google comes under pressure and a tariff deadline looms.
Over two years after “School Fractured”, the cast members of “Pluralistopia” attend the premiere of their film, reliving some of their more regrettable moments.
Join James Brodie & Will Cunliffe for a brand new episode of Macro Mondays, as they unpack another volatile week in global markets.
Geopolitical tensions and central bank signals are colliding as markets digest U.S. strikes on Iran and brace for Powell's testimony. Big names like Nike and FedEx add to the uncertainty.Just a quick reminder, Capital Markets Quickie is brought to you by AMF Capital AG, Asset Management Frankfurt, your leading provider for individual investment solutions and mutual funds. Visit https://www.amf-capital.de for more information.>>> Make sure to check out my newsletter "Cela's Weekly Insights":https://endritcela.com/newsletter/>>> You can subscribe here to our YouTube Channel “MVP – Main Value Partners”:https://www.youtube.com/@MainValue>>> Visit my website for more information:http://www.endritcela.com>>> Follow me on LinkedIn:https://www.linkedin.com/in/endrit-cela/>>> Follow me on Instagram:https://www.instagram.com/endritcela_official/Disclaimer for "Capital Markets Quickie" Podcast:The views and opinions expressed on this podcast are based on information available at the time of recording and reflect the personal perspectives of the host. They do not represent the viewpoints of any other projects, cooperations, or affiliations the host may be involved in. "Capital Markets Quickie" does not offer financial advice. Before making any financial decisions, please conduct your own due diligence and consult with a financial advisor.
Interview recorded - 20th of June, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Henrik Zeberg. Henrik is also the Head Macro Economist at Swissblock.During our conversation we spoke about the volatile markets, the FED ignoring data, bond market, economy vs markets, global economics, and more. I hope you enjoy!0:00 - Introduction1:17 - What is Henrik watching?3:45 - Volatile markets5:33 - The FED ignoring data7:45 - Bond market11:35 - Economy vs markets14:33 - Money on the side-line15:51 - Global economies18:28 - Tariff impact?22:46 - Wealth divide26:38 - Secular rates increase30:35 - AI societal improvements32:52 - One message to takeaway?Henrik Zeberg is a Macroeconomist (M.Sc. Econ) from the University of Copenhagen. He is a Business Cycles student, Elliott Wave practitioner, and Chartist. You can find out more about his newsletter on his Website.Henrik Zeberg - Newsletter - https://www.thezebergreport.com/Twitter - https://twitter.com/HenrikZebergWTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas
Episode 69: The Hidden Harms of Vaping and Nicotine Pouches - What Dental Professionals Need to Know Hosts: Tabitha Acret (Australia) & Melissa Obrotka (USA) Episode Description In this critical episode, Tabitha and Melissa tackle one of the most pressing and misunderstood topics in oral health today: the harms of vaping and nicotine pouches like Zyn. Far from being "harmless alternatives," these products present significant risks that dental professionals need to understand and address. Key Topics Covered What Are Vapes and Nicotine Pouches?
In this enlightening conversation, Erin Doppelt and Danielle explore the profound journey of spiritual awakening, the intricacies of astrology, and the concept of the matrix that shapes our reality. They delve into the significance of faith, Judaism, the nature of tests, and the interconnectedness of the universe and God. The discussion also touches on past lives where Danielle was a Rabbi, ancestral connections, and the impact of current events in Israel & Gaza on consciousness and awareness. In this conversation, Danielle shares her emotional journey amidst global turmoil, discussing the impact of current events on her well-being. She delves into astrological insights, emphasizing the volatile times ahead and the importance of grounding oneself and always choosing love. Danielle also explores the process of connecting to intuition and higher consciousness, highlighting the significance of living from the heart and serving others. The discussion culminates in practical advice for navigating fear and anxiety in a chaotic world, encouraging listeners to embrace their unique paths and contributions. About Danielle: Danielle Paige is an Intuitive Astrologer, Spiritual Teacher, and Consciousness Guide servicing her craft for the past 17 years. While astrology was the gateway, her work transcends charts — it's about awakening souls, speaking cosmic truths, and guiding people home to themselves. What sets Danielle apart is her fearless voice. She says what others won't. Her teachings blend mysticism, soul wisdom, and raw human truth — helping others expand beyond what they thought was possible and living an aligned life connected to soul. Connect with Danielle and follow her energy updates on Instagram @iamdaniellepaige or her website at daniellepaige.com Instagram Website Cosmic Body Collective Membership Listen to the Cosmic Body Podcast If you desire to become a certified meditation teacher and spiritual psychology coach please connect with Erin @erinrdoppelt and learn more about The Align Coaching Certification™ and early action enrollment. ------ Keywordsspiritual awakening, astrology, matrix, consciousness, Kabbalah, faith, past lives, current events, awareness, ancestral connections, astrology, emotional healing, intuition, spiritual growth, chaos, grounding, heart-centered living, self-awareness, personal development, collective consciousness
Is the market making you anxious?
Derek Moore examines markets around historical geopolitical events. Plus, the 2020s are trending to be the most volatile decade and by the way we are up over 80% so far. Then, looking at the pop in gold and crude oil this week and perspective on where those markets are. Plus, a contrarian take that housing is actually cheap. Later talking semiconductor stocks, the US dollar index, inflation, and useless sentiment surveys. 1-year forward inflation expectations U-Michigan survey Sentiment gets better Gold breaks out of its most recent range while crude oil breaks back into its prior range US Dollar bearishness is the prevailing opinion so is it too crowded of a view? Semiconductors 40%+ off the bottom but still sideways since their all-time high in July 2024 Markets 1-year later after geopolitical events Will the 2020s have the most 1% +/- days ever? S&P 500 Index earnings expectations forward 12 months update Price per square foot US Housing National average Is housing cheap when considering adjustments for inflation and average square footage? Mentioned in this Episode Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag Contact Derek derek.moore@zegainvestments.com
In this enlightening conversation, Erin Doppelt and Danielle explore the profound journey of spiritual awakening, the intricacies of astrology, and the concept of the matrix that shapes our reality. They delve into the significance of faith, Judaism, the nature of tests, and the interconnectedness of the universe and God. The discussion also touches on past lives where Danielle was a Rabbi, ancestral connections, and the impact of current events in Israel & Gaza on consciousness and awareness. In this conversation, Danielle shares her emotional journey amidst global turmoil, discussing the impact of current events on her well-being. She delves into astrological insights, emphasizing the volatile times ahead and the importance of grounding oneself and always choosing love. Danielle also explores the process of connecting to intuition and higher consciousness, highlighting the significance of living from the heart and serving others. The discussion culminates in practical advice for navigating fear and anxiety in a chaotic world, encouraging listeners to embrace their unique paths and contributions. About Danielle: Danielle Paige is an Intuitive Astrologer, Spiritual Teacher, and Consciousness Guide servicing her craft for the past 17 years. While astrology was the gateway, her work transcends charts — it's about awakening souls, speaking cosmic truths, and guiding people home to themselves. What sets Danielle apart is her fearless voice. She says what others won't. Her teachings blend mysticism, soul wisdom, and raw human truth — helping others expand beyond what they thought was possible and living an aligned life connected to soul. Connect with Danielle and follow her energy updates on Instagram @iamdaniellepaige or her website at daniellepaige.com Instagram Website Cosmic Body Collective Membership Listen to the Cosmic Body Podcast If you desire to become a certified meditation teacher and spiritual psychology coach please connect with Erin @erinrdoppelt and learn more about The Align Coaching Certification™ and early action enrollment. ------ Keywordsspiritual awakening, astrology, matrix, consciousness, Kabbalah, faith, past lives, current events, awareness, ancestral connections, astrology, emotional healing, intuition, spiritual growth, chaos, grounding, heart-centered living, self-awareness, personal development, collective consciousness
13 Jun 2025. With the US dollar swinging, overseas investment into the UAE is on the rise, but what does that mean for the dirham, inflation, and your next currency move? We ask Suraj Gokani of Currencies4You. Plus, PwC unpacks Trump’s latest tax bill and its ripple effects on sovereign wealth fund. And we dig into fresh property data from ValuStrat.See omnystudio.com/listener for privacy information.
Remember Donna the Deer Lady, and her call to a radio talk show that electrified the nation?To refresh your memory, she was wondering why the highway department place the "Deer Crossing" signs at the busiest sections, where the deer were most likely to get hit by a moving vehicle. “Why are we encouraging deer to cross at the interstate? I don't get it. That's a high- traffic area,” she said.That's exactly the kind of oddball story that grabbed me from minute one with Todd Cherches — a man equipped to wring out profound and useful truths from tales like that one.Todd is not your typical leadership guru—he earned his stripes in Hollywood, teaching actors how to deliver scenes, and later as a project manager sketching theme parks in China.These days, he coaches executives and trains leaders using what he calls visual leadership—a way to help people "see" what you're talking about, not just hear it.In this episode, Todd unpacks how metaphors sneak into everyday chat (“Feed me, Seymour!” anyone?), why a CEO fetching potato chips for the staff says more about leadership than a big speech, and how to stay real and connected when half your team is working in slippers on Zoom.Show HighlightsHow a radio caller's confusion about a deer crossing sign turned into a killer leadership metaphorWhy metaphors are baked into 50–70% of our language—and how to notice when you're spooning them outTodd's Hollywood adventures—including delivering lunches for Aaron Spelling and battling Mt. Hollywood traffic for extra chicken saladThe three lenses of leadership: microscope, telescope, and kaleidoscope – and why you'll need 'em all in today's hybrid, VUCA worldDigital leadership in 2025: making hybrid teams feel seen when you can't just pop by their desksAI's place in education and leadership—and how to stay mentally fit in spite of its pullThe four G's of leadership everybody can start practicing today: Genuine, Generous, Gracious, and GratefulHow a single thank-you note from a student or client can become your secret stash of joyAbout Todd CherchesTodd is the CEO and co-founder of BigBlueGumball, a management and leadership consulting firm. He's the author of Visual Leadership: Leveraging the Power of Visual Thinking in Leadership and in Life, and a globally recognized speaker and executive coach. A two-time TEDx speaker, Todd teaches at NYU and Columbia University and brings a unique blend of pop culture, practical tools, and visual metaphors to leadership and communication.Connect with Todd on LinkedInLearn more at toddcherches.com and watch his TEDx talk on visual thinkingGet VisuaLeadership at Bookshop.org
6-7am Hour 1 - Jeremy White and Joe DiBiase talk on the physicality of the Florida Panthers in the NHL Playoffs so far and how that's helped their dominance. They also discuss the many variables in the James Cook contract situation.
Philip welcomes Donna Dupont, Founder, Purple Compass to the show. In their conversation, they discuss the current landscape of future(s) and foresight practices and how various methodologies and perspectives can generate viable solutions. The Drop – The segment of the show where Philip and his guest share tasty morsels of intellectual goodness and creative musings. Philip's Drop: Lucy Rose – This Ain't the Way You Go Out (https://open.spotify.com/album/7gkDIAAebe5Wqqtv3Isxls?si=V8FW71n9S8ae_j5mkDmM5w) Donna's Drop: Dan Gilbert – TED “The Psychology of your Future Self” (https://www.ted.com/talks/dan_gilbert_the_psychology_of_your_future_self?language=en) Special Guest: Donna Dupont .
Bank advisers and market participants at S&P Global Market Intelligence's annual community bankers said bank M&A and IPO activity is in a holding pattern and will pick up once there is greater clarity over the macroeconomic and interest rate environment. They also suggested that banks avoid trying to position their balance sheets for particular rate moves and instead prepare for a variety of scenarios. The episode highlights balance sheet strategies, the current regulatory environment and the outlook for bank deal activity from experts at Piper Sandler, Darling Consulting, Alston & Bird, Stephens, KSK Investors and Hovde Group.
Donald Trump's second term in the White House has seen markets go through a period of extreme volatility, something that has worried many Irish pension holders. How should they react? Should they react at all? And what is the outlook for the rest of this year?Munro O'Dwyer is a partner at PwC Ireland and joins host Cliff Taylor in studio to discuss managing your pension in volatile times. In the second half of this episode of Inside Business, Irish Times Economics Correspondent Eoin Burke-Kennedy looks at why so many companies are pulling back from their pledge to go green and lower carbon emissions.This alarming trend is worrying given the latest analysis by the Environmental Protection Agency that shows that Ireland is going backwards in its attempts to achieve its 2030 greenhouse gas emissions targets.So why the about-face on an issue that affects us all? Is reaching net zero emissions simply not realistic for many companies? Produced by John Casey with JJ Vernon on sound. Hosted on Acast. See acast.com/privacy for more information.
Grain markets saw mixed rallies with wheat up, corn steady amid trade news. Cattle futures surged despite volatile beef prices; hogs and commodities varied.
This week in our exploration of potential ingredients on wine labels we look at volatile substances. Last week we looked at what dissolves into wie hee we look at was evaporates. Hosted on Acast. See acast.com/privacy for more information.
Volatile markets can rattle even the most experienced investor, but sometimes adversity can bring opportunity. Today, John Walker, Regional Vice President, Mercer Advisors, is joined by CERTIFIED FINANCIAL PLANNERTM professional Jason O'Meara, Wealth Advisor and Sr. Director, Mercer Advisors. They discuss helpful strategies to consider during a market downturn and times of stock market volatility. Listening Time: 23 minutes Mercer-Cordasco Disclosure Information Visit Our Website Join Our Email List Additional Mercer Advisors Disclosure Cordasco Financial Network is a tradename. All services provided by Cordasco Financial Network investment professionals are provided in their individual capacities as investment adviser representatives of Mercer Global Advisors Inc. (“Mercer Advisors”), an SEC-registered investment adviser principally located in Denver, Colorado, with various branch offices throughout the United States doing business under different tradenames, including Cordasco Financial Network. Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice are provided through Advanced Services Law Group, Inc.
This week's episode features Cam Currie, senior investment advisor at Canaccord Genuity, in conversation with host Adrian Pocobelli on why precious metals remain vital in today's market. Currie explains how mounting sovereign debt is eroding confidence in fiat currencies and bond markets, creating a favorable environment for gold. He also explores the WTO's initiative to tokenize gold through blockchain and highlights the types of gold stocks he believes are best positioned right now. This week's Spotlight features Dan Dickson, CEO of Endeavour Silver, who discusses the company's silver projects in Mexico and Peru. Dickson offers insights into their development strategy, resource potential, and what differentiates these assets in the current silver market. Learn more at: https://www.edrsilver.com All this and more with host Adrian Pocobelli. Music Credits “Rattlesnake Railroad”, “Big Western Sky”, “Western Adventure” and “Battle on the Western Frontier” by Brett Van Donsel (www.incompetech.com). Licensed under Creative Commons: By Attribution 4.0 License creativecommons.org/licenses/by/4.0 Apple Podcasts: https://podcasts.apple.com/ca/podcast/the-northern-miner-podcast/id1099281201 Spotify: https://open.spotify.com/show/78lyjMTRlRwZxQwz2fwQ4K YouTube: https://www.youtube.com/@NorthernMiner Soundcloud: https://soundcloud.com/northern-miner
On Episode 593 of The Core Report, financial journalist Govindraj Ethiraj talks to Gulam Zia, Senior Executive Director - Research, Advisory, Infrastructure, and Valuation and Executive Director at Knight Frank.SHOW NOTES(00:00) The Take(07:53) Markets stay volatile as global cues weigh in(11:45) More foreign brokerages are upgrading their view on emerging markets including India(15:39) Indian students are not quite welcome in the USA(17:55) Young Indians want to buy houses now, in contrast to earlier approach of renting, many closer to health facilitiesListeners! We await your feedback....The Core and The Core Report is ad supported and FREE for all readers and listeners. Write in to shiva@thecore.in for sponsorships and brand studio requirementsFor more of our coverage check out thecore.inSubscribe to our NewsletterFollow us on:Twitter | Instagram | Facebook | Linkedin | Youtube
Navigating Multifamily CRE in a Volatile Environment Insights from Paul Fiorilla, Director of U.S. Research at Yardi Matrix Paul Fiorilla offers a data-driven view of today's commercial real estate (CRE) landscape using the vast resources he has at his disposal at Yardi. While market sentiment may be growing more optimistic, Fiorilla acknowledges investors should separate short-term mood from long-term fundamentals. His perspective, rooted in close analysis of multifamily data and macro conditions, is both pragmatic and cautionary: yes, there's capital on the sidelines and deals are getting done but many investors may be misreading the durability of recent tailwinds and underestimating latent risks. Short-Term Confidence, Long-Term Industry Real estate is an inherently long-term, illiquid asset class yet, much of the current market behavior appears to be anchored in short-term confidence (and short term memories). That dissonance should give investors pause. While macroeconomic shocks like tariffs, interest rate hikes, and political uncertainty do not immediately register in quarterly CRE data, their effects compound over time. Investor sentiment, meanwhile, remains buoyant. Debt markets have resumed activity, stock indices are back near prior highs, and many assume the worst is behind us. But the lagging nature of real estate data means we're still months away from fully seeing the impacts of recent fiscal and geopolitical developments. Multifamily Fundamentals: A Shifting Landscape Fiorilla addresses the fundamentals of the multifamily sector, noting that demand has remained strong in recent years, but the distribution of that demand is shifting. Rent growth is no longer universal. Over the past 15 months, metros in the Midwest and Northeast, markets like Chicago and New York, have consistently posted moderate, steady rent growth. In contrast, high-growth Sunbelt cities such as Austin, Atlanta, Nashville, and Salt Lake City are experiencing flat to negative rent trends. What's driving this bifurcation is primarily supply. In oversupplied markets, absorption hasn't kept pace with new deliveries. Despite a sharp national decline in starts, down approximately 40% year-over-year, the existing pipeline remains heavy. Nationally, over 1.2 million units are either in lease-up or under construction. In high-growth markets, deliveries will continue at elevated levels for the next several years. Some cities may see 12–15% added to their multifamily inventory by 2027. Fiorilla underscores that while national numbers suggest a tapering of supply, the local realities are more complex. Markets that arguably need more housing, Los Angeles, New York, and Chicago for example, are seeing similar slowdowns in new development as oversaturated markets. The result is a continued misalignment between where capital is building and where it's most needed. The Waning Tailwinds of Demand Fiorilla also points to softening demand drivers that may soon undermine current assumptions. Over the past several years, demand has been supported by several powerful tailwinds: robust job growth, high immigration, and pandemic-era trends such as household formation and suburban relocation. But these are now tapering. Net immigration, while still meaningful, is slowing. Job growth has begun to decelerate. Moreover, federal employment cuts and delays in private-sector hiring – driven by political and fiscal uncertainty – are contributing to a weakening outlook for household formation. These are not necessarily signs of imminent distress, but they do suggest that the extraordinary absorption rates of 2021–2022 will be difficult to sustain. As Fiorilla puts it, “the risks are to the downside.” He's not forecasting a collapse but cautions against overreliance on recent performance when underwriting future deals, particularly in light of ongoing supply pressure. Policy Risk and the Fragility of Subsidized Housing Among the more underappreciated risks in the market, Fiorilla emphasizes policy risk, especially in affordable and subsidized housing. He notes that while programs like LIHTC and Opportunity Zones appear safe, others such as Section 8 are under pressure. Of particular concern are proposals to convert these programs into state-administered block grants. While this may seem like a technocratic shift, it would represent a material change for property owners. Federal guarantees would be replaced by varying state-level funding regimes, increasing payment risk and reducing the predictability that underpins underwriting in the subsidized housing sector. For owners reliant on these programs, even modest payment disruptions could be “catastrophic,” he notes. Interest Rate Volatility: The Real Pain Point Turning to capital markets, Fiorilla distinguishes between the level of interest rates and the pace at which they change. Today's rates, he argues, are not historically high. Pre-GFC, rates were often at similar levels. What's destabilizing is the speed of change. A sharp increase from near-zero to 4–5% within a single year has impaired refinancing feasibility and upended underwriting assumptions. This volatility, not the rates themselves, has created most of the current distress. Borrowers facing refinancing at double or triple the prior coupon are under strain. And yet, transaction activity persists, with many deals still pricing at thin or even negative leverage. Why? Because the #1 driver of compressed cap rates is investor confidence in future cash flows. The belief that rents will continue to rise justifies aggressive pricing – until it doesn't. This mindset echoes pre-GFC sentiment, where rent growth was taken as a given. Fiorilla is quick to clarify that today's market is not nearly as reckless. Still, elevated pricing in an environment of cooling fundamentals could leave investors dangerously exposed to even mild shocks. Quiet Distress and the Maturity Wall Another issue masked by short-term optimism is the growing volume of loan maturities. These include both regularly scheduled maturities and loans previously extended during 2021–2023 that are now reaching their end. Fiorilla notes that many of these are being addressed quietly. Lenders, reluctant to force asset sales, are working with borrowers on a case-by-case basis. The result: distress is real, but it's largely invisible. There's little evidence of forced portfolio liquidations or widespread delinquencies – yet. The availability of capital, particularly for multifamily, is helping to buffer these pressures. There's no shortage of dry powder. But absent a sharp rate reversal or improved clarity from policymakers, the sector could see a slow bleed of marginal deals rather than a systemic reset. Underappreciated Geopolitical Risk One of the most thought-provoking parts of the conversation concerns CRE's growing sensitivity to global and political dynamics. This is a structural change. The U.S. has long benefited from its role as a stable, rule-of-law jurisdiction. But shifts in foreign policy, trade restrictions, and political dysfunction are beginning to weigh on foreign investment. Declining Canadian cross-border investment and tighter restrictions on visa travel are, in part, evidence of this shift. These aren't headline stories but they are meaningful. If the U.S. loses its perception as a reliable haven for capital, CRE pricing could face downward pressure from shrinking foreign demand. This is a long-term trend worth monitoring closely, not a transitory blip. What He's Watching When asked what indicators he watches most closely, Fiorilla points to three primary metrics: Occupancy Rates – Particularly in high-supply markets. Stabilized occupancy below 94% would be an early warning sign. Absorption Trends – A sustained drop in household formation or leasing activity could signal weakening demand. Employment Data – Job losses, especially if broad-based, would ripple into rent growth and occupancy. He also monitors transaction volume as a proxy for investor confidence. If deal flow freezes again, that would signal a recalibration of forward expectations. Final Reflection While Fiorilla resists giving investment advice, his closing thoughts reflect a conservative posture. He's not sitting on the sidelines entirely but he's not rushing in either. Caution, portfolio balance, and realistic expectations are the guiding principles. For CRE professionals, this conversation is a reminder to look past sentiment and dig into the data and the fundamentals: local supply pipelines, policy shifts, interest rate trends, and the fragility of assumptions underpinning future rent growth. The macro backdrop is far from stable and the margin for error, even in multifamily, may be thinner than it appears. *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing. With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection. Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000
BEHIND THE SCENES STUDIOWork with the same Meta Ads creative production team that Andrew does with Behind The Scenes Studio, a More Staffing sister company: https://www.behindthescenes.studio/.RICHPANELCut your support costs by 30% and reduce tickets by 30%—guaranteed—with Richpanel's AI-first Customer Service Platform that will reduce costs, improve agent productivity & delight customers at https://www.richpanel.com/.//How do you scale multiple brands, hit $12M in revenue, and still sleep at night?In this episode, Andrew interviews Sam Mendelsohn—co-founder of three eCommerce brands, the 3PL Boxfort, and the elite operator community Workspace 6. Sam gets brutally honest about what actually helped him move from plateaued growth to meaningful profit: focusing on fewer things, trimming complexity, and ruthlessly prioritizing margin over vanity metrics.You'll hear about:- How he grew multiple brands without adding headcount- Why focusing on one ad channel (Meta) was the unlock- A practical framework to evaluate whether your brand has real growth potential- What 900+ brand applications to Workspace 6 taught him about success patterns- How to tell if your pricing is too low—and what to do about it- The emotional toll of early-stage plateaus and how he worked through itThis episode is packed with operator-grade insights for brand owners doing 7–9 figures and looking to improve margin, sanity, and scale.//CHAPTER TITLES:00.34 - How Performance Changes Daily With Meta Ads3:15 - What You Think About Your Ads Is Wrong5:38 - Poker Hand Analogy21:10 - 20 Sided Die Analogy37:00 - Creative Ad Testing In Your Account// SUBSCRIBE TO MY CHANNEL FOR 2X/WEEKLY UPLOADS!//ADMISSIONGet the best media buying training on the Internet + a free coaching call with Common Thread Collective's media buyers when you sign up for ADmission here: https://www.youradmission.co/andrew-faris-podcast//FOLLOW UP WITH ANDREW X: https://x.com/andrewjfaris Email: podcast@ajfgrowth.comWork with Andrew: https://ajfgrowth.com#metaads #facebookads #ecommerce #advertising
Ideas That Make An Impact: Expert and Author Interviews to transform your life and business
3 big ideas discussed in this episode: BIG IDEA #1: You need to define what success means to you specifically. Stop chasing everyone else's dreams and start creating your own. BIG IDEA #2: Uncertainty is an opportunity. While everyone else is caught up on what's happening in the world around them, focus on what you control. Success comes to those who focus on living from the inside out. BIG IDEA #3: Take aligned and intentional action every day. Everyone says they're so busy but are you busy doing things that really matter? If the actions you're taking aren't in alignment with your definition of success, you'll never succeed no matter how hard you work. Get the show notes for this episode here: https://AskJeremyJones.com/podcast
In this episode, we try to go over the chaotic past few months of 2025 and ask Pastor Mark Sayers how we can stay faithful to Jesus in a volatile world and time.
Paisley Nardini sees a more volatile summer than investors may be expecting. Her firm has seen a large uptick in gold being added portfolios, a key signal of investors bracing for volatility. Paisley offers advice on how investors can use futures and commodities to balance equities. On recent economic data, Paisley notes investor worries in sentiment but ultimately turns to hard data in her analysis.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about
“Finding Purpose and Focus in VUCA (Volatile, Uncertain, Complex, Ambiguous) Times”. by Olajumoke Adenowo
The U.S. economy is in flux. And for millions of Americans, a new line item in their budget includes repaying federal student loans.Making ends meet isn't just tough for student loan borrowers. Groceries cost a lot more now than they did in 2020. Tariff disputes make it difficult to plan future purchases and they can make it harder to find everyday items at affordable prices. Housing — whether it's your mortgage or rent — remains expensive. And the job market — well that's tough, too.Unpredictable inflation, added expenses, a volatile stock market – the health of the U.S. economy is anything but certain right now. How can you manage? For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org.Email us at considerthis@npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through day one of MBA's Secondary Conference from New York City. Plus, Robbie sits down with BOK's Chris Maloney on Agency MBS issuance trends, prepayment speeds, and why the money supply still matters. And the podcast concludes with a look at why there was so much volatility to open the week.Xactus is a leading fintech committed to the continued transformation of the mortgage verification industry. Pioneering a new class of technology – Intelligent Verification – Xactus is redefining how the industry originates and services mortgages. With Xactus360, our industry-first Intelligent Verification Platform, we put the full power of the market's leading verification partner into a user-centric technology that harnesses real-time insights to power automated actions enabling clients to make faster, better decisions with the right data at the right time.
The era of reactive supply chain management is over. Are you ready for predictive resilience? Nick McKeehan, Managing Director at Protiviti, shares CFO-focused insights on modern supply chain disruptions, from cybersecurity to geopolitical tensions. With 25 years in finance transformation, Nick guides the shift from reactive to predictive, tech-enabled decision-making. Learn how visionary leaders collaborate across the C-suite, invest in digital twins and AI, and redefine supply chain resilience as a competitive edge. This discussion equips finance leaders to navigate volatility, boost agility, mitigate risks, and drive change in today's complex business landscape. Discussed in This Episode: How today's biggest threats—from tariffs to climate events—are reshaping modern supply chains What resilience means in a high-stakes global economy The CFO's crucial role in cross-functional supply chain leadership with COOs and CIOs How leading organizations use technology like AI and digital twins for smarter planning Finance's expanding influence in risk management and strategic decisions For CFO insights, episode show notes, and exclusive blog content, visit thecfoshowpodcast.com.
Yields consistently above 4.5% equate to equity volatility, says Alec Young. He shows the correlation between sharp upticks in yields leading to a "shock to the system" for stocks. On the Mag 7, Alec considers Meta Platforms (META) a "favorite" while listing Tesla (TSLA) as a "riskier" play on the future. Nvidia (NVDA) is another stock Alec expects to thrive if it continues current growth projections.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about
Tornadoes and flooding will be among the hazards that threaten more than a dozen states as a new outbreak of severe weather looms early in the week. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Are you eager to deploy capital but wary of making the wrong decision in this uncertain economic climate? Passive investing could help you capture the long-term gains of real estate—without the operational burdens of active management. Today's guest provides low-risk, time-tested strategies for any stage of your investing journey. In this episode, we interview Pascal Wagner—seasoned limited partner and host of The Passive Income Playbook Podcast. With a cash-flowing rental portfolio that spans multiple major markets and a professional background in venture capital, Pascal is experienced in both the active and passive sides of real estate investing. He unveils his preferred entry-level approach amid macro headwinds—an option that gives you a diversified investment, relative liquidity, and immediate returns. Pascal also shares how to conduct rigorous due diligence on real estate syndications and avoid one of the most frequent—and financially damaging—mistakes new investors make. Whether you're looking to make your money work harder or replace your income, Pascal delivers actionable insights for both aspiring and advanced investors. Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Remember that past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any of the advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast. In This Episode We Cover Pascal's journey from active to passive real estate investing Why replacing your income is the one skill every LP should learn The number one mistake investors make before analyzing deals Diversifying across asset types, markets, and within individual investments Why new investors should start with debt funds rather than equity deals And So Much More! Links from the Show The Passive Investing Starter Kit Pascal's LinkedIn
In this episode of The Higher Standard, Chris and Saied take a wrecking ball to the myths of modern homeownership—armed with caffeine, sarcasm, and a well-earned chip on their shoulder. From the Fed's tightrope act to the slow-motion implosion of consumer confidence, they unpack the real estate market's latest mood swings, including a 5.9% drop in existing home sales and why homebuilder incentives might not be the golden ticket they appear to be. Whether it's mortgage points, ARMs, or the lock-in effect, the guys explain how debt, equity, and psychology are shaping a volatile new paradigm for aspiring homeowners.➡️ But wait—this isn't just economic therapy. It's also gym confessions, cold plunges, burrito-based diet plans, and a hard truth: you're probably not timing the market better than Warren Buffett. The duo dives into the dangers of being house poor, why your credit score isn't as accurate as you think, and why buying a home should be more about life fit than market timing. If you've ever wondered whether intermittent fasting, lifting routines, and homeownership prep could be discussed in the same breath, buckle up. This is The Higher Standard—where financial literacy meets real-life chaos and a lot of unsolicited fitness advice.
What if the air freshener in your car was more dangerous than the pollution outside? In this explosive episode, Darin reveals what's really inside those “harmless” little trees hanging from car mirrors—and why they could be silently damaging your health. Backed by real science and peer-reviewed studies, Darin uncovers the shocking truth about volatile organic compounds (VOCs), the health effects on the brain and lungs, and the corporations that won't label them. You'll also learn how to detox your air, reclaim your health, and even start a grassroots movement to get a fragrance-free option in ride shares like Uber and Lyft. Studies: There's this study called “Volatile Chemical Emissions from Car Air Fresheners”—and wow. Researchers analyzed 12 popular car fresheners—those trees, clips, sprays, gels—you name it. Here's what they found: 546 volatile organic compounds. That's VOCs. Out of those, 30 were considered potentially hazardous—things like formaldehyde, benzene, and other stuff you definitely don't want marinating your brain. And you know what's wild? Not a single one of those hazardous chemicals was listed on the label. (Steinemann et al., 2020) There's a study called “Fragranced Consumer Products: Effects on Asthmatics”—and it found that over 64% of people with asthma reported real symptoms from these scented products: wheezing, headaches, even full-on asthma attacks. And 41% said air fresheners were the trigger (Steinemann, 2017). Another one? “Migraine Headaches and Fragranced Consumer Products.” Nearly half of the people who get migraines said air fresheners specifically set them off (Steinemann & Nematollahi, 2020). And if you're neurodivergent—like folks with autism? This next one breaks my heart. In the study “Fragranced Consumer Products: Effects on Autistic Adults,” 83.7% of autistic individuals said fragranced products triggered serious neurological and respiratory problems—and 63% said air fresheners were one of the worst offenders (Steinemann, 2018). In a study out of Nigeria, researchers exposed mice to a solid commercial air freshener. After a few weeks, the mice showed increased anxiety, depression-like behavior, memory loss, and signs of oxidative stress in the brain. Their brains were literally under chemical assault. The study's called “Neurobehavioral Effects of Prolonged Exposure to Solid Air Freshener in Mice.” Check it out—it's eye-opening (Umukoro et al., 2019). Sorry to tell you… greenwashed products aren't any better. In the same 2020 study I mentioned earlier, researchers tested “natural” versions too—and found no meaningful difference in the chemicals they released (Steinemann et al., 2020). What You'll Learn in This Episode: 00:00 – Introduction: The truth about air fresheners 00:44 – Why Darin refuses to use ride shares with scent trees 01:50 – The hidden study on VOCs in popular car air fresheners 02:30 – 546 chemicals discovered—30 considered hazardous 03:00 – Where is the regulation? Why there are no labels 03:55 – Formaldehyde, benzene, and what they do to your body 05:00 – The link between asthma, headaches, and fragrances 05:45 – 64% of asthmatics report fragrance-triggered symptoms 06:25 – What these chemicals do to neurodivergent individuals 07:10 – Mice studies: anxiety, memory loss, oxidative stress 08:40 – Ubers, Lyfts, and chronic chemical exposure 09:15 – “Greenwashed” products are just as toxic 10:00 – No regulation, no labeling: the wild west of scent marketing 10:50 – A call to action: the Uber/Lyft fragrance-free movement 12:02 – How to tag and campaign for safer ride shares 13:00 – What you can use instead: baking soda, charcoal, and nature 14:40 – Exactly how to ask a driver to remove chemical air fresheners 15:41 – Final message: take your air—and your health—back Don't Forget... I just launched my brand new program Superlife Supermind. Visit my website https://superlife.com/ to learn more about how you can get rid of stress, improve sleep and overall health today. Connect with Darin Olien: Website: darinolien.com Instagram: @darinolien Book: Fatal Conveniences Key Takeaway: "Your car shouldn't smell like a fake ocean breeze—it should smell like clean, chemical-free life." – Darin Olien Bibliography: 1. Steinemann, A., et al. (2020). Volatile chemical emissions from car air fresheners. Link 2. Steinemann, A. (2017). Fragranced consumer products: effects on asthmatics. Link 3. Steinemann, A. (2018). Fragranced consumer products: effects on autistic adults. Link 4. Steinemann, A., & Nematollahi, N. (2020). Migraine headaches and fragranced consumer products. Link 5. Umukoro, S., et al. (2019). Neurobehavioral Effects of Prolonged Exposure to Solid Air Freshener in Mice. Link