Podcasts about WL

Brandon Drumm and Travis Davidson break down and recap the first day of SEC Media Days and things that stood out with Sooners taking center stage. Reason the Sooners exuded massive amounts of confidence at their pressers and is that a great sign for things in 2026? + Those first 5 games of the 2026 are going to be INSANELY tough. What do we feel the Sooners will start out as far as W-L record during that span? Reaction of Sooner Nation if it goes sour and so much more! Want the best Sooners' intel and info in the industry? Want to be a part of a community of THOUSANDS of Sooner fans that you can talk with on a daily basis? Become a member of OU Insider and stay updated daily with insights from the OUI staff!!

On this week's episode Cyrus & Quan discuss Omega's championship celebration, Kelani Jordan's W/L record and AEW's tag division. Subscribe on Patreon: https://patreon.com/theashowrnc Follow our socials: https://linktr.ee/theashowrnc Follow on Twitter: The A Show account (@TheAShowRNC) Cyrus (@CyrusOnTWR) Quan (@AshowQuan)

Send us Fan MailBug In vs. Bug Out: Which Survival Strategy Actually Works?Should you stay home during a crisis or grab your bug-out bag and leave? The answer isn't as simple as most people think.In this episode of The Prepping Academy Podcast, Forrest Garvin cuts through the myths surrounding bugging in and bugging out. You'll learn why Hollywood and social media have given many people unrealistic expectations and how to develop a practical preparedness plan that works in the real world.Discover the advantages and disadvantages of both strategies, the biggest mistakes preppers make when planning to bug out, and a simple decision framework that helps you know when it's safer to stay and when it's time to leave.Whether you're preparing for natural disasters, civil unrest, long-term power outages, or other emergencies, having both a bug-in plan and a bug-out plan can make all the difference.In this episode, you'll learn:The truth about bugging in vs. bugging outWhy do most bug-out plans fail before they beginWhen staying home is the smartest survival strategyWhat every bug-out plan must includeHow to evaluate threats before making a decisionWhy planning ahead beats reacting under pressureThe hybrid preparedness approach that offers the greatest flexibilityIf you're serious about emergency preparedness, self-reliance, survival planning, and protecting your family during uncertain times, this episode provides practical, real-world guidance you can put into action today.https://preppersconsulting.com/https://preppernet.com/https://forrestgarvin.com/booksCivilization Is Only Nine Meals Away From Anarchyhttps://www.youtube.com/watch?v=mWQ_hKLL7io&list=WL&index=21&t=4sPodcast Tags:bug in, bug out, bugging out, emergency preparedness, prepper, prepping, survival, survival planning, self-reliance, bug out bag, disaster preparedness, SHTF, grid down, emergency planning, homesteading, civil unrest, natural disasters, family preparedness, preparedness strategy, The Prepping Academy Podcast Join PrepperNet.Net - https://www.preppernet.netPrepperNet is an organization of like-minded individuals who believe in personal responsibility, individual freedoms and preparing for disasters of all origins.PrepperNet Support the showPlease give us 5 Stars! www.preppingacademy.com Daily deals for preppers, survivalists, off-gridders, homesteaders  https://prepperfinds.com www.preppernet.com

How many times have you noticed an expert witness for deposition, only to be told you've got to pay their fee in advance, failing which, they say, they aren't coming. As Jim Garrity explains, it doesn't have to be that way. Listen in and learn why prepayment isn't required and how to properly avoid advance payment. After all, those prepayment demands are often excessive, don't explain how the fee was determined, and of course don't guarantee the expert will even qualify as such, much less offer admissible testimony. And we've got a wealth of research for you in the show notes.SHOW NOTESEvans v. Home Depot USA, Inc., Case no. 2:25-CV-451-SPC-KRH, 2026 WL 1837154 (M. D. Florida June 25, 2026) (plaintiff's treating doctor, a non-retained expert, was set for one hour deposition, and demanded prepayment of $3,000 for the deposition; held, prepayment is generally not required, “so lack of prepaid fees would not justify refusing to attend the deposition after proper service of a valid subpoena;” further outlining the process to address a treating physician's potential nonappearance at a deposition, asking whether the deposition was subject to the courts subpoena power, and if so, whether the defendant had issued and served the subpoena, noting that the court then need not intervene until (a) the physician seeks to quash the subpoena or fails to appear, and (b) the defendant moves to hold him in contempt for failing to appear to deposition)Johnson v. Spirit Airlines, Inc., No. CV 07-1874FBJO, 2008 WL 1995117, at *1 (E.D.N.Y. May 6, 2008) (“The pertinent rule thus teaches that once Dr. Seldes has actually “spent” time responding to Spirit's questions at the deposition, he may then bill Spirit for a “reasonable” fee for that amount of “time.” Dr. Seldes therefore may not insist on advance payment, and may not set a flat fee before he knows what he will be called upon to do; he may instead charge only a reasonable hourly fee. I will not predict in advance what reasonable hourly fee Dr. Seldes may choose to request, but should a dispute arise, I will of course defer to the persuasive authority of cases such as the Garnier decision cited above and the precedent on which it in turn relied. See id. at *3-*4 (describing a range of reasonable hourly rates below $500))Conte v. Newsday, Inc., No. CV 06-4859 JFB ETB, 2011 WL 3511071, at *3 (E.D.N.Y. Aug. 10, 2011) (“The rule and the case law makes it clear that the parties seeking court intervention to determine a reasonable fee for an expert deposition should do so retrospectively—that is, after the deposition has taken place. The rule clearly contemplates that a court order will be issued subsequent to the deposition, as it requires a court to order payment of a “reasonable fee for time spent in responding to discovery”)Tennant v. Handi-House Mfg. Co., Case No. 3:16-cv-1276-J-25MCR, 2017 WL 11105252 (M. D. Fla. Nov. 20, 2017) (Defendant moved for, among other things, order deferring payment for deposition of plaintiff's treating physician, who canceled the deposition because he did not receive the $3,300 payment he demanded for his two-hour deposition; held, Defendant's request to defer deposition fees of the treating physician granted, with the court “finding that prepayment of expert witness deposition fees is inappropriate under the Federal Rules of Civil Procedure;” noting that Federal Rule of Civil Procedure 26(b)(4)(E) “does not require the prepayment of expert deposition fees; further noting that the parties agreed that the issues presented are governed by the expert fee rules, implying that a treating physician may qualify as an expert under the circumstances); Court also noted that Fed. R. Civ. P. 26(b)(4)(E)(i) says that unless manifest injustice would result, the court must require that the party seeking discovery pay the expert a reasonable fee for “time spent” in responding to discovery; court noted that the deposition had not yet taken place, and so seemed to emphasize that it was premature to determine the reasonableness of payment because the provision talks about “time spent” and the doctor had not yet been deposed”)Regions Bank, etc. v. Kaplan, No. 8:12-CV-1837-T-17MAP, 2015 WL 4935694 (M.D. Fla. Aug. 18, 2025) (Bank filed Motion to Defer Payments to Experts or to Determine Reasonableness of Expert Charges, where defendants demanded that the bank pay an invoice from TASA Group in the amount of $10,325.29 in advance of the banking expert's testimony, failing which the witness would not appear; bank argued that the court should defer reimbursement obligation pending the outcome of the case, in pending submission of supporting data, arguing that the Committee Notes to the 1970 amendments to Rule 26 say that the court may issue an order to pay fees as a condition of discovery, or it may delay the order until after discovery is completed.; Court noted that “other courts have denied request for advance payment because Rule 26 (small B) (4) (E) does not require it,” citing cases from Wisconsin and California for the proposition that, unlike ordinary witness fees, no rule requires that an opposing expert deposition fees be tendered to the witness in advance)Regions' Motion to Defer on Payment of Experts, or alternatively, to Determine Reasonableness of Kaplan Parties' Expert Charges and Supporting Memorandum of Law (CM/ECF Doc. 435) Regions Bank, etc. v. Kaplan, No. 8:12-CV-1837-T-17MAP, 2015 WL 4935694 (M.D. Fla. Aug. 18, 2025)Defendant Marvin I. Kaplan's Motion for Approval of Expert Witness Fees and Expenses (CM/ECF Doc. 436), Regions Bank, etc. v. Kaplan, No. 8:12-CV-1837-T-17MAP, 2015 WL 4935694 (M.D. Fla. Aug. 18, 2025)Parkland Venture, LLC v. City of Muskego, No. 09-C-0972, 2010 WL 4723411 (E. D. Wisconsin November 15, 2010) denying plaintiff's motion requiring the defendants to pay reasonable fees to the plaintiff's experts in advance of taking their depositions; court noted that while rule 26(b)(4)(C) provides in relevant part that in less manifest justice would result, the court shall require that the party seeking discovery pay the expert a reasonable fee for time spent responding to discovery, rule does not say that experts fees must be paid in advance of the deposition absent agreement to do so, and pointing out that unlike ordinary witness fees, no rule requires that an opposing expert's deposition fees be tendered to the witness in advance)Kramer et al. v. Hartford Insurance Co. of the Midwest, Case No. 8:12-cv-01824-T-17AEP, 2013 WL 12155927 (M. D. Florida April 30, 2013) (court granted Defendant's Motion to Compel Deposition Testimony of Dennis James, an expert, finding “that prepayment of expert witness fees, including Mr. James' expert witness in this action, is inappropriate under the Federal Rules of Civil Procedure. The court noted that while Rule 26(b)(4)(E)(i) says that in less manifest injustice would result, the court must require that a party seeking discovery pay the expert a reasonable fee for “time spent” [emphasis added], the Advisory Committee Notes (1970 Amendment) to Rule 26(b)(4) authorize a court to require the payment of fees and expenses as a condition of discovery, and also to delay the order until after discovery is completed. Thus, the court ordered the deposition to proceed but set a payment deadline for his fees within 50 days of the date of his deposition. The court emphasized that - while rule 26(b)(4)(E)(i) “is silent as to exactly when an expert will be paid after responding to discovery, the Court finds that a degree of reasonableness is inherent in the Federal Rules of Civil Procedure. In the circumstances of this case, a payment deadline of 50 days was reasonable.)Harris v. Costco Wholesale Corp., 226 F.R.D. 675, 676–77 (S.D. Cal. 2005) (plaintiff's counsel abruptly terminated defense deposition of plaintiff's expert because Defendant would not pay expert witness fee at that time; court, rejecting the manner of termination is improper, said of Rule Fed.R.Civ.P. 26(b)(4)(C) that while experts must be paid absent manifest injustice, “The rule does not state, however, that the expert's fees must be paid in advance of the deposition absent agreement to do so. To the contrary, “[u]nlike ordinary witness fees, no rule requires that an opposing expert's deposition fees be tendered to the witness in advance… Because there is no rule allowing a party to terminate a deposition for the failure to pay opposing expert witness fees in advance, Plaintiff's counsel was wrong in doing so in the instant case)Conte v. Newsday, Inc., No. CV 06–4859 (JFB) (ETB), 2011 WL 3511071, at *2 (E.D.N.Y. Aug. 10, 2011) (ruling that a motion seeking prepayment for an expert's deposition was premature because the Rule “clearly contemplates that a court order will be issued subsequent to the deposition;” further saying “Nor, as discussed above, does the rule entitle plaintiff to payment in advance, citing Rule 26(b)(4)(E), which entitles an expert to a reasonable fee for “time spent” responding to discovery); citing Johnson v. Spirit Airlines, Inc., No. CV 07-1874FBJO, 2008 WL 1995117, at *1 (E.D.N.Y. May 6, 2008) (“[The expert] therefore may not insist on advance payment ....”). Rather, if the parties cannot agree to reasonable reimbursement for plaintiff's experts following their depositions, either party may apply to the Court for such a determination;” “Dr. Seldes therefore may not insist on advance payment, and may not set a flat fee before he knows what he will be called upon to do; he may instead charge only a reasonable hourly fee.”)Conte v. Newsday, Inc., No. CV 06-4859 JFB ETB, 2011 WL 3511071, at *2 (E.D.N.Y. Aug. 10, 2011) (citing Broushet v. Target Corp., ––– F.R.D. ––––, 2011 WL 1750753, at *1 (E.D.N.Y. Mar.3, 2011), and saying “Courts consider the following factors in determining whether a requested expert fee is reasonable: (1) the witness' area of expertise; (2) the education and training that is required to provide the expert insight that is sought; (3) the prevailing rates for other comparably respected available experts; (4) the nature, quality and complexity of the discovery responses provided; (5) the cost of living in the particular geographic area; (6) any other factor likely to be of assistance to the court in balancing the interests implicated by Rule 26; (7) the fee actually being charged to the party who retained him; and (8) fees traditionally charged by the expert on related matters”)Ratliff v. Baan Co., N.V., No. 1:99–CV–2455–WBH, 2003 WL 25774909, at *1 (N.D. Ga. Nov. 5, 2003) (concluding that after the expert's deposition, the expert can submit a bill to be paid for the deposition)Woodward v. Provident Life & Accident Ins. Co., No. Civ. A. 97–2062, 1998 WL 158744, at *3 (E.D. La. Mar. 30, 1998) (denying the motion to set an expert's fee because the motion requests a flat fee to be paid in advance of the deposition without reference to “time spent” as enunciated in the Rule)Burdette v. Steadfast Commons II, LLC, No. 2:11–980– RSM, 2012 WL 3762515, at *4–*6 (W.D. Wash. Aug. 29, 2013) (allowing prepayment of expert fees because the parties apparently did not dispute paying the fee in advance)Federal Rule of Civil Procedure 26(b)(4)(E) (payment to experts)Federal Rule of Civil Procedure 26(c) (protective orders to avoid undue burden or expense)

In this episode of JacquesTalk we talk about the USA's huge soccer win over Bosnia. Then we discuss the Mavs' reshaping of the roster and how it affect their W-L record. We wrap it up with a conversation about men's self-care and NCAA 27.

I was scanning Facebook this morning and came upon a post about building a CBG neck with an integrated fretboard. Here is the post (name withheld) "Question for the brains trust I normally make my necks from a piece of timber with another thin piece with pre rounded edge glued to the top as a fret board. My question is, is it really necessary our can I simply round off the single piece then cut in and fit frets." What a great question.  I had some thoughts about ways to do it and where you can see videos about it to help if you have the same question. Here is Del doing what he does best. https://www.youtube.com/watch?v=BdnUk7CvMag The incredible Mike Snowden at 13:34 https://www.youtube.com/watch?v=TDrCtp7c118&list=WL&index=29 Check out CBGs AUS here  https://www.facebook.com/share/g/1GTSMAVqop/ You can see what I'm up to at www.birdwoodguitars.com Order KILLER STRINGS at  Australia - www.killerstringsaustralia.com USA - www.killerstrings.com Thanks to all who are supporting the podcast and The CBG Builder Group https://www.facebook.com/share/g/1LQ5ffdhw3/ See you next time Adam.    

The Deception of Paul H. Dunn: Fabricated Miracles and False LegaciesElder Paul H. Dunn was once one of the most popular, charismatic, and beloved General Authorities in the Church of Jesus Christ of Latter-day Saints (LDS). Renowned for his moving sermons to the youth, Dunn built an entire legacy [00:05] on spectacular personal anecdotes—claiming he was a professional pitcher for the St. Louis Cardinals who personally rubbed shoulders with baseball legend Lou Gehrig, and a heroic World War II combat survivor who dodged machine-gun fire on the beaches of the Pacific.But it was all a lie.Thanks to the rigorous, ground-breaking investigative reporting of journalist Lynn Packer, the truth finally came to light. Packer's deep-dive investigation into military archives, baseball rosters, and public records revealed that Dunn had completely fabricated or grossly exaggerated his most famous "faith-promoting" stories.In this video, we use archival clips to dissect Paul H. Dunn's most famous claims side-by-side with the real evidence uncovered by Lynn Packer.Original Video: https://www.youtube.com/watch?v=RciDx0JZC1o&list=WL&index=3&t=100sPlease consider making a donation by joining our Patreon https://www.patreon.com/MormonNewsRoundup Email: kolob@mormonnewsroundup.org Website: https://mormonnewsroundup.org/ TikTok: https://www.tiktok.com/@mormonnewsroundup Instagram: https://www.instagram.com/mormon_news_roundup/ Facebook: https://www.facebook.com/profile.php?id=100093511869924 X: https://twitter.com/NewsMormon New episodes LIVE every Sunday and Monday nights at 9:30PM ESTPlease like and subscribe and hit the notifications bell. Remember remember, no unhallowed hand can stop this podcast from progressing!The Mormon News Roundup is NOT affilated with the Church of Jesus Christ of Latter-day Saints.

What to do when an organization resists your efforts to conduct a Fed. R. Civ. P. 30(b)(6) deposition by claiming it not only doesn't currently have information on the topics, but that it never had any? As Jim urges you to do in this episode, take the deposition and force the entity's designee to say it entirely lacks knowledge on the topics. Why? Because the absence of knowledge is itself a discoverable fact. And showing that an entity took no steps to become informed on critical matters can be powerful proof of indifference, negligence, or omission. Don't miss this one!SHOW NOTES:Order Overruling Defendant's Objection To Magistrate Judge Vatti's Order Dated February 5, 2026, LaBroad v. Costco Wholesale Corporation, et al., Case No. 3:24-cv-1102 (KAD), 2026 WL 1746249 (ruling that magistrate judge correctly determined “that the purported nonexistence of any materials regarding [defendant's training on parking lot safety] is, itself, a relevant fact on which [Plaintiff] is entitled to develop evidence via Rule 30(b)(6)”)Hepco Data LLC v. Hepco Medical LLC, 2020 WL 1870320, No. 2D19-2134 (2d DCA April 15, 2020) (certiorari granted, quashing order blocking depositions, because petitioners established through filed proffer that depositions were relevant; held, “litigants would never be able to take a nonparty deposition if all the non-party had to do to get out of it is to say that he or she had nothing to say; representations of opponent that discovery isn't relevant need not be relied on)John v. Core Brace, LLC 2021 WL 329460, No. 4:20-CV-00071-BLW (D. Idaho Jan. 29, 2021) (citing Apple. Inc., 282 F.R.D. at 263 for proposition that “A claimed lack of knowledge, by itself, is insufficient to preclude a deposition,” omitting additional citations)United States of America v. Newman, 2021 WL 1026019, No. 19-1868 (RJL) ( D. D. C. Mar. 17, 2021) (sarcastically noting government's proposed stipulation that certain evidence had not moved from its location during relevant time was an unconvincing “attempt to stipulate itself out of [having to respond to] discovery”)Klorczyk v. Sears, Roebuck & Co., No. 3:13-CV-257 (HBF), 2015 WL 1600299, at *4-5 (D. Conn. Apr. 9, 2015) (holding that a "we-don't-know" response can be binding on the corporation at trial and prohibit it from offering evidence on those points; if a designee genuinely lacks knowledge, the designee must still be prepared to testify concerning the corporation's efforts to obtain the information and why it lacks sufficient knowledge)QBE Insurance Corp. v. Jorda Enterprises, Inc., 277 F.R.D. 676, 690 (S.D. Fla. 2012) (establishing that the lack of knowledge answer is itself an answer which will bind the corporation at trial; lack of knowledge is insufficient grounds to preclude a Rule 30(b)(6) deposition; “The conclusion that the corporation is bound at trial by a legitimate lack of knowledge response at the 30(b)(6) deposition is, for all practical purposes a variation on the rule and philosophy against trial by ambush. Calzaturficio, 201 F.R.D. at 38; Wilson, 228 F.R.D. at 531; Taylor, 166 F.R.D. at 363 (rule prevents “sandbagging” and prevents corporation from making a “half-hearted inquiry before the deposition but a thorough and vigorous one before the trial”).

Jason Fertitta – CEO & Partner, Americana Partners Jason Fertitta shares how Americana Partners grew from a $2.6B breakaway team to a $13B+ enterprise by focusing on ownership, enterprise value, strategic acquisitions, and long-term growth. In Summary Many advisors view independence as the ultimate objective: a chance to gain control, improve economics, and build a business on their own terms. For Jason Fertitta, independence was only the beginning. Louis Diamond speaks with the CEO and Founding Partner of Americana Partners about the firm's evolution from a $2.6 billion breakaway team in 2019 to a national enterprise managing more than $13 billion today. The conversation explores the decisions that fueled that growth, the mindset required to build long-term enterprise value, and why Jason believes advisors should evaluate success through the lens of net worth rather than annual income. Along the way, they discuss recruiting, acquisitions, private equity, professional management, and the tradeoffs that come with building something intended to outlast its founders. The Storyline The independent channel has matured. A decade ago, many advisors pursued independence primarily for greater autonomy, higher payouts, and control over the client experience. Today, a growing number are approaching the decision differently—viewing independence as a platform for building enterprise value, attracting capital, completing acquisitions, and creating businesses that can scale beyond the founders themselves. Jason Fertitta's journey reflects that evolution. When he and his partners left Morgan Stanley in 2019, Americana launched with approximately $2.6B in client assets and a vision to build a nationally recognized wealth management firm. Seven years later, the firm oversees more than $13B, employs roughly 100 people, operates across multiple markets, has completed several acquisitions, and brought on Lovell Minnick Partners as its first institutional investor. Throughout the conversation, Jason offers a transparent look at the realities of enterprise building. That includes reinvesting profits rather than maximizing income, hiring professional management long before it feels necessary, embracing acquisitions as a growth strategy, and making decisions based on long-term value creation rather than short-term economics. For advisors considering what comes after independence, the episode provides a practical framework for thinking about ownership, scale, capital, and the future value of their business. About the Build, Grow & Transact Series for Advisors Build, Grow & Transact explores what happens after independence. The series features advisors and firm leaders who viewed independence not as a destination, but as the foundation for building something larger. Some launched firms from scratch. Others scaled through recruiting, acquisitions, or strategic partnerships. Many eventually faced decisions around capital, ownership, succession, or liquidity. While every story is different, they share a common thread: a willingness to think beyond the transition itself and focus on creating long-term enterprise value. Through candid conversations with founders, builders, and industry leaders, the series examines the decisions, tradeoffs, and lessons that come with growing an advisory business into an enduring enterprise. For advisors contemplating independence, actively building a firm, or considering what comes next, Build, Grow & Transact offers a look at the paths others have taken—and what they've learned along the way. > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Americana grow from $2.6 billion to more than $13 billion? (06:16)Jason explains how a combination of organic growth, advisor recruiting, acquisitions, and long-term strategic planning helped accelerate the firm's expansion. Why do clients often do more business with independent advisors? (12:17)Jason shares his perspective on why clients frequently deepen relationships after an advisor leaves a wirehouse environment. What role have alternatives played in Americana's growth strategy? (14:40)The discussion explores how differentiated investment access can help advisors stand apart in an increasingly commoditized marketplace. When is it time to build a professional management team? (18:36)Jason explains why Americana invested heavily in leadership, operations, and infrastructure from the very beginning. Why did Americana bring in private equity capital? (25:16)A candid discussion about growth capital, M&A opportunities, and the decision to partner with Lovell Minnick Partners. How do you evaluate enterprise value versus annual income? (20:16)Jason offers one of the episode's most important lessons: building wealth through ownership can look very different than maximizing current compensation. What makes a successful acquisition target? (39:51)Jason outlines how Americana evaluates M&A opportunities and how acquisitions fit into the broader client experience. Is it better to build your own firm or join an existing platform? (45:40)The conversation closes with Jason's perspective on the trade-offs between launching independently and joining a scaled independent enterprise. Topics Covered Enterprise value creation Independence and ownership Organic growth strategies Advisor recruiting RIA acquisitions Private equity partnerships Professional management teams Alternative investments Family office services Building a national wealth management firm Key Takeaways Independence can be a starting point for building an enterprise rather than the final objective. Long-term wealth creation often stems from ownership and equity appreciation, not from maximizing annual income. Reinvesting profits into leadership, infrastructure, and talent can accelerate enterprise value. Organic growth and acquisitions can complement one another when supported by a clear strategy. Outside capital can be a growth catalyst when aligned with management's long-term vision. The most scalable firms are often built around client needs rather than predefined acquisition targets. Advisors have more options than ever before, ranging from building independently to joining established platforms. https://youtu.be/_12jZJFsi4U Quotable Moments “Even to this day, I don't make anywhere near the amount of income that I made when I was on Wall Street. But my net worth is up tenfold.” “If you want to create value for yourself and your partners and grow your balance sheet, you can do it in a much more tax-efficient way in the independent world.” “I've never thought about how much of the company I own. I've thought about what my slice is worth.” “We want to build something our children would be proud to say we helped create.” FAQs Why are more advisors viewing independence as a business-building opportunity? The independent channel increasingly offers opportunities to create enterprise value, pursue acquisitions, attract capital, and build scalable businesses beyond a traditional advisory practice. How can advisors increase the enterprise value of their firms? Enterprise value is often driven by factors such as growth, profitability, leadership depth, recurring revenue, client demographics, infrastructure, and scalability. What role does private equity play in wealth management firms? Private equity can provide capital, strategic guidance, operational expertise, and acquisition support while helping firms accelerate growth initiatives. How do RIAs use acquisitions to grow? Many firms use acquisitions to expand geographically, add specialized capabilities, deepen client services, and accelerate asset growth. Why are professional management teams becoming more common among RIAs? As firms scale, dedicated leadership across operations, finance, compliance, and business management enables advisors to focus more effectively on clients and growth. Is launching an independent firm always the best path? Not necessarily. Some advisors prefer to build their own enterprise, while others may achieve their goals more effectively by joining an established independent platform that already provides scale and infrastructure. The independent channel increasingly offers opportunities to create enterprise value, pursue acquisitions, attract capital, and build scalable businesses beyond a traditional advisory practice. Enterprise value is often driven by factors such as growth, profitability, leadership depth, recurring revenue, client demographics, infrastructure, and scalability. Private equity can provide capital, strategic guidance, operational expertise, and acquisition support while helping firms accelerate growth initiatives. Many firms use acquisitions to expand geographically, add specialized capabilities, deepen client services, and accelerate asset growth. As firms scale, dedicated leadership across operations, finance, compliance, and business management enables advisors to focus more effectively on clients and growth. Not necessarily. Some advisors prefer to build their own enterprise, while others may achieve their goals more effectively by joining an established independent platform that already provides scale and infrastructure. Related Resources From Ex-Morgan Stanley Advisor to One of the Biggest Breakaway Stories of 2019 with Jason Fertitta (Podcast Episode) Intentional Growth: How Top Advisors Build Businesses That Last (Article) M&A Readiness Assessment (Tool) Guest Bio Jason Fertitta Jason is currently Chief Executive Officer / Founding Partner of Americana Partners. Jason was a Managing Director in Morgan Stanley's Private Wealth Division for eleven years. He joined Morgan Stanley in 2008 after six years with Lehman Brothers High Net Worth Division. Prior to joining Lehman Brothers, Jason worked six years for Texas Direct. Jason serves on the Board of The Good Samaritan Foundation and Endowment and the Houston Museum of Natural Science. Jason attended St. Edwards University in Austin. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Build, Grow & Transact: Americana's $12B Path from Breakaway to Enterprise A conversation with Louis Diamond and Jason Fertitta, CEO & Partner at Americana Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: Americana's $12B Path from Breakaway to Enterprise. It's a conversation with Jason Fertitta, CEO and partner of Americana Partners. I’m Louis Diamond, and this is the Diamond Podcast for financial advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors, and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven, and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement, and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Independence is often viewed as the finish line. Break away, gain control, own the business, and enjoy the economics that come with it. But, for some advisors, going independent is just the beginning. That’s the idea behind this new series called Build, Grow, and Transact, featuring advisors who saw independence not as a destination, but as the first chapter of a business building story. And there will be some familiar names along the way, including our first guest who was on our show back in 2020, talking about what was at the time, one of the industry’s breakaway moves. That’s Jason Fertitta, CEO and founding partner of Americana Partners. When Jason and his partners left Morgan Stanley in 2019, they started Americana with approximately 2.6 billion in client assets, and a vision that extended well beyond becoming a successful independent firm. Today, Americana oversees more than 12 billion, has expanded nationally, completed multiple acquisitions, built out a professional management team, and brought on institutional capital to support its next phase of growth. What makes Jason’s perspective valuable that he’s now experienced independence through several different lenses as a breakaway advisor, as a founder, as a builder of enterprise value, and now as the leader of a firm, actively pursuing acquisitions and recruiting talent from across the industry. We talk about the decisions that fueled Americana’s growth, why Jason has always viewed the business through a long-term lens, what changed when private equity entered the picture, and why maximizing enterprise value often requires a very different mindset than maximizing current income. For advisors who think independence is a destination, Jason’s story offers a look at what can happen when it’s treated as a starting point instead, so let’s get to it. Jason, thanks for coming back on our show today. Jason Fertitta: Pleasure to be here. Thanks for inviting me. Louis Diamond: You got it. Yeah, you’re our first guest in our new subseries, so you should feel honored. And I’m honored too, because the last time we had you on the show, Americana was about a year old, you’re navigating COVID, and all those challenges. But, for listeners who may not remember the episode, can you give us a quick version of the origin story of Americana, and what the firm looked like when you first launched it? Jason Fertitta: Yeah, I believe if I’m remembering correctly, I was in Colorado talking to you guys, and it was right after we launched, so that was a fun but stressful time. I think at the time that we launched, it was certainly the road less traveled. Most teams go from one wirehouse to another. We had an entrepreneurial itch. There was 11 of us that started the firm. We actually launched the firm from this exact building that we’re in here, but all of this was under construction. We were in temporary space one floor below on card tables, and pizza boxes, and all the things that you can envision when you think of a startup. But, yeah, we weighed all of our options in terms of going from one firm to another, staying where we were, and had a lot of talks with ourselves, and our spouses, and they were all very supportive. When you do something like this, you’re certainly scratching the entrepreneurial itch that I think is required for somebody that wants to try and build their own company. And I think we’re all satisfying that itch in different ways. We all had a lot of other outside business interests. I’m passionate about the restaurant industry, because it’s what I grew up in as a kid. And so, had opened some restaurants with some chefs that I really admire, and were doing things like that to scratch the itch, but there’s no other way to do it than doing that in your profession. And so, we decided to launch the firm. We also just felt like Texas being such a wealthy state, there really wasn’t a regionally dominant RIA from here. There’s a lot of big RIAs in the Northeast, and the Northwest, and the West Coast. And we just felt like Texas was ready to hopefully be able to support the concept of launching it from the state, and then expanding it out regionally and nationally from here. Those are all thoughts in our heads and dreams and we’ve worked really hard to get to where we are, but I think we’re in a great spot right now for another leg of growth. Louis Diamond: Amazing. I would say that plan has certainly worked out. When you were on our show last in 2019, the firm was at about 2.6 billion at time of launch. And now, I saw in news articles and your ADV, it’s north of 12 billion, but I’m sure it’s even larger now. Can you walk through just what’s the makeup of the firm today? How many partners and advisors? What’s the profile of the end client? What markets are you in, in and around Texas or around the country? Jason Fertitta: Yeah, so today we’re roughly a hundred employees, right at 13 billion in AUM. I would say we have six offices, Houston, Austin, Dallas, Midland, Beverly Hills, and Nashville. We have about 30 advisors, 30 financial advisors, and our average account size I would say is right around $20 million. That’s not a rule, it’s just the way it is. We have some wonderful accounts that are two or three million, and we have some great accounts that are well over a billion. And in terms of the makeup of the firm, since the time we’ve spoken, and we’ll get into this later, but we have run in private equity, we have about nine families that are owners of the firm with us. It’s really families, private equity, and employees. That’s the cap table currently. Louis Diamond: Very cool. As far as building the firm geographically, for the offices of Texas, that makes sense to your earlier comment about wanting to build a Texas dominant or a regionally dominant firm. But, how’d you land in Beverly Hills and Nashville? That’s a little bit different. Jason Fertitta: Yeah, it is. I think so much of where we’re going is secondary to who we’re partnering with. I think we would go anywhere in the country if we had the right partner in that city. We’re not necessarily saying we have to be in Atlanta. Let’s find the right partners in Atlanta. It’s more about, we found the right partners in Atlanta, so we’re going to Atlanta. And you meet these people everywhere. Everyone has their own Rolodex inside of our firm. Sometimes it’s an employee here that has a relationship with someone that wants to break away and be part of an independent firm. Sometimes it’s me. There’s a lot of golf DNA in our firm, so we’ve met a ton of people through the incredible game of golf. In fact, last weekend we just hosted our first Americana Cub Golf Tournament where we took over an entire club, and invited 40 strategic invitations to people that could be helpful to our firm. I would say it’s really just networking, trying to find like-minded advisors that were very big at putting the client at the center of every decision you make. A lot of times you’ll come across of an advisor that financially looks really good on paper, but they’re maybe not always doing what’s right by the client. We run from those situations. We’d rather have a financial advisor that perhaps statistically is inferior to that other one on paper from a P&L perspective, but we feel like it’s doing what’s right by the client in the decisions. And that’s usually the main factor for us in seeking out the right partners. Louis Diamond: I love that. And one of the premises of this new subseries of ours is about growing, and then, of course, recognizing that value through some sort of monetization. To me, the star of your show is your insanely impressive growth, which I would assume comes from both organic means, and also from inorganic, whether through M&A, or recruiting teams from your predecessor firms, or from other wirehouses. Can you talk a little bit about the breakdown of the two growth channels, and how you pursue both, organic and then inorganic growth? Jason Fertitta: Yeah. Well, I think organic growth, the preference for anyone that’s in our sea, because you don’t have to pay for organic growth. It’s just you have to expose your platform to potential clients, and it has to be differentiated enough for them to move assets from another firm to yours. And I would tell you, I think we do a really good job at that. We’ve built an incredible platform that has, and enables a financial advisor to have all the same arrows in the quiver that a big firm has. We’ve got an incredible alts department. We’ve got an incredible CIO that produces great research. We got incredible in-house portfolio managers, both in the core equity space, but then also the municipal bond space. We have an incredible external manager platform that has everything from cash management on steroids, to venture capital investing, to co-investing, to direct investments into companies. We have this really great platform. We also recognize that we want to grow through M&A as well, because there’s only so much time in the day you’re not willing to add more employees and more like-minded advisors to grow. We do both, to your point, we absolutely do both, and they’re both equally as important. On the M&A side, I would say it’s been responsible for half of our AUM growth over the last seven years, and the other half has been organic. And I think as we get bigger and bigger, that number’s going to not stay consistent. I would say that if we could grow our AUM organically by 10% per year, and then do five to seven acquisitions a year, combination of RIAs and Wall Street lift outs, I think those are good goals for us, and we’re off to a good start in trying to achieve those goals. Louis Diamond: I think if you pull off even half of that, I think your private equity sponsors, and investors, and employees would be very happy. Can we double click into the organic growth side? How do you view whether your growth rate changing organically since leaving Morgan to start the RIA? And if it has changed, what do you think are the things that are responsible for the faster growth, or slower growth if it’s slower than when you’re at Morgan? Jason Fertitta: One of the interesting secrets about being independent versus inside of a big bank is I think your clients will actually do more business with you if you’re independent. I didn’t realize that until we went independent. I had heard that before, but I was like, that may or may not be true. But, when we went independent, and every time we recruit a team from a big bank, the same thing happens. It’s like the clients are like, “What took you so long?” They’ve very much, for the most part … Now, that’s not every client, but most clients, I think prefer to be serviced by an advisor that’s conflict bringing the independent channel. There are other clients that might have a big investment banking relationship with a big bank, or something like that, like a business reason for not leaving. But, in terms of just being able to service the client from an independent channel where you’re a legal fiduciary, I think all the interest is aligned from client to service provider, and I just think it’s easier to raise money in this channel than it is at a bank. Louis Diamond: And you really think the types of clients you work with or just clients in general, the difference maker is really the conflict-free advice. Obviously, it sounds good, but I would argue that when you were at Morgan Stanley, your team was one of the top teams in the country, you had an amazing reputation, you’re probably giving similar quality advice then than you were today. How has that really manifested itself? Jason Fertitta: I always say I think you can have a great experience at a firm that is perhaps not the most prestigious, great firm in the country if you’re with the right team. And I think you can also have a horrible experience at a firm with a great reputation if you’re with the wrong team. It is my belief the most important thing from the customer’s perspective is who you’re working with. I appreciate your comments about our team, and we work very hard to deserve the reputation that you’re talking about. But, I also think that when you’re in the independent world, some of the things the banks do very well is they have great investment platforms, and a lot of due diligence in their products. I think when you’re an independent firm, you’re obviously, you don’t immediately have all of those same intangibles that a big bank has. I think it was very important for us to invest heavily into those departments inside of our firm to where we could be on some equal footing with Wall Street firms, and we have been. We have raised a lot of money for alternative managers. I think alternatives are a huge secret sauce that an independent advisor needs to have access to, because in a world where the public markets are getting more efficient and more commoditized, it’s very challenging to grow organically the way that we have without some secret sauce. And I think the secret sauce lies within the alternatives, because it’s very hard to differentiate yourself if you’re just trying to optimize someone’s public equity portfolio, and improve where they sit on the efficient frontier. I think that’s just a tough challenge. But, if you can mix in some truly differentiated alternatives where access is a big component of the value proposition, then all of a sudden, you’re bringing your clients something special, and something that’s unique. Louis Diamond: I really like that perspective. I think you’re completely right. I’ve always heard people say investments are commoditized, and it’s all about advice and planning, but I think the way you framed it about the ALFA essentially being worked out of it, so it’s the access, and it’s what you’re doing different on the investment side outside of the more basic or commoditized stuff that’s a difference maker. When you launched the firm, and I believe still today, Americana hired Dynasty Financial Partners as your infrastructure partner. Now that you’re significantly larger, you’re seven years into your independent journey, how does the relationship with Dynasty change, if at all? What do they do for you that you benefit from differently today than when you first launched? Jason Fertitta: Yeah, it would’ve been impossible for us to do what we did without Dynasty’s help. Dynasty has delivered for us in a meaningful way and they continue to. They’re a great partner. We definitely are developing our own sea legs as well, just because you have to just by virtue of the size that you get to. But, Dynasty, I think, has been incredibly innovative in terms of launching an investment bank and bringing … Dynasty’s brought us deals, which is incredible. Just in addition to being an infrastructure partner, they’ve actually provided us deal flow. They’re also, because they’re working with so many firms, you get in all sorts of situations as an independent firm, and to have someone to pick up the phone and say, “Here’s what we’re dealing with.” And they’ll say, “Oh, here are the three things you need to do. You either need to do it like this or this.” Just a lot of experience within Dynasty. I don’t know if we’re Dynasty’s biggest client or not, but I would say we’re certainly in their top three. We are looking to continue that relationship, and always having a relationship with Dynasty, but I would describe it as evolving, because our revenue is up 6X in the last six years. Louis Diamond: Amazing. That makes complete sense. The needs of the business when you are leaving a big firm is got to get the clients over, got to build the plane before it can fly, and understand how to do X, Y, and Z, to now, it’s enterprise building, and optimizing, and growing inorganically, so that makes complete sense, and very cool to hear that Dynasty has evolved or morphed the relationship to meet you where you are now. And to me, I think a big part of that is hiring professional management. That’s always a question we get. When am I big enough? When’s the right time to hire professional management, whether it’s a full-time CEO, a CFO, a COO, et cetera. I know in your case, fairly early on you hired Ron Thacker who was a regional manager from Morgan Stanley. I saw recently you hired a CFO, so you’re really professionalizing the leadership ranks. When did you know it was the right time to build a professional management team, and how did you think about that evolution? Jason Fertitta: We knew from day one that’s what we wanted to do. I think when you go independent, there’s a couple of different schools of thought. One school of thought is I can go independent. I’m not going to really have a boss. I’ll be my own boss. I may or may not grow the business. I’m going to run it in a way that’s lean. I might be able to have a little bit more of a take home because there’s not a third hand in the cookie jar in terms of the bank, and it’s a great lifestyle. I think that’s one school of thought and I think that’s great. That was not our school of thought. Our school of thought is we had a belief that in this country, there’s going to emerge five to 10 regionally dominant RIAs, and these regionally dominant RIAs were going to enjoy economies of scale, and they were going to compete with Wall Street. And in order to do that, we had to reinvest a lot of our profit into our business through building this management team that you’re referencing. Even to this day, I don’t make anywhere near the amount of income that I made when I was on Wall Street, but I’m not, and it’s because we’re building equity value, and we’re building something that will last, and we reinvest a lot of our cash flow into professionalizing the management team, and then being able to deliver on that promise to the financial advisors that are here that you’re going to have a platform, that when you walk in the room, you’re going to be able to compete with Wall Street. And so, that’s always been our goal, which is not necessarily everybody’s goal when they go independent, because it’s a lifestyle decision really. I work way harder today than I worked when I was at a Wall Street firm. Louis Diamond: It’s so interesting. Two threads I want to tug on from what you said. The first one is I think just the comment you made that you’re making less today when the business is significantly larger than it was when you’re at Morgan Stanley, you’re working harder. I think even that dynamic is going to feel like a shock to a lot of people, right? If you’re working harder, the business is doing six times more revenue than it was at Morgan Stanley, that doesn’t seem like a fair trade. How do you think about that relative to the equity value that you’re amassing? Was that always the plan, or is that just something you’ve leaned into as the firm has grown and scaled? Jason Fertitta: Well, the third component you left out is my net worth is up 10X- Louis Diamond: There you go. Jason Fertitta: … whereas if I would’ve stayed at a Wall Street firm, and so are all the employees here. If it’s about that, I can tell you that we checked that box. Americana is very valuable, and we’re happy about that. It’s really just about how you want to create that, right? If you want to create it through income, and pay a lot of taxes along the way, stay at the Wall Street firm. But, if you want to create value for yourself and your partners, and grow your balance sheet, you can do it in a much more tax efficient way in the independent world. And I’m light years ahead of where I would’ve been if I would’ve stayed at a Wall Street firm. Louis Diamond: I think that’s the coolest realization I think someone can have, right? We always say it’s like, what do you value more? Is it the short-term liquidity, or certainty of getting a big upfront recruiting deal at ordinary income, or staying where you are and keep making your 50% payout, take advantage of your firm’s retire in place program? And for many people, that’s what they value. But, for you, I think you very clearly and transparently articulated that, yeah, I might make less, but what really matters is my net worth. It’s how much I’m actually netting for my family in the long run. For people who want to play the long game, really buy into that concept, it sounds like following your path would be ideal, but it may not be for everyone. Jason Fertitta: It’s a much better path, and I’m living proof of it, and not only am I living proof of it, all of my partners are here, and everybody that owns equity in Americana is living proof of it. Louis Diamond: Amazing. You said you’re working more now than when you’re at Morgan. How has your day-to-day, or day in the life changed? What types of activities are you doing more or less of, and how do you balance everything? Jason Fertitta: Yeah, it’s hard to balance everything, it is. But, I would say that one of the unique things about Americana is the founders are all financial advisors. We aren’t consultants that came out of the consulting world, we’re financial advisors. I’m still a financial advisor. I still cover clients. I would say a third of my time is actually covering the house accounts here with some of my original partners. A third of my time is firm related stuff, and then, a third of my time is M&A, and that’s not only M&A, but helping the advisors that are here grow their business also. And so, I come across a lot of leads and opportunities. I’m not really taking them for the house account book or myself. I’m finding the right advisors that I feel I could service the clients the best, and then I’m flipping them to them and sitting second chair and I’ve seen some amazing growth to their businesses by just being able to send them leads. Louis Diamond: Yeah. I think that’s always like the tug of war for … I think most founders of RIAs in this industry, they were advisors themselves. They were the rainmakers, or they still are, but there’s definitely some folks who, whether because of lack of time, or lose the spark or passion for working with clients, that they pivot to being full-time CEO, or we’ve even seen people go the other way where they say, “I was the CEO. I really just want to be an advisor, or just do M&A, and I’m going to hire a CEO.” It’s really cool to hear how you split up your time, and you’re able to do it all. And I’m sure it’s not perfect. I’m sure your family wishes they saw you more, and et cetera, but it sounds like you’re able to really pursue your different passions. Jason Fertitta: All those three activities are very fun, and they keep everyday interesting, and you don’t necessarily know at what points in the day you’re going to be working on which bucket, and there’s a lot of blend and overlap, but we spend a lot of time here working on behalf of our clients, and the firm, and every day is an adventure, but it's fun. It’s a blast. Louis Diamond: Absolutely. Well, let’s spend some time talking about your fairly recent capital raise. In October of 2024, Americana announced that PE firm Lovell Minnick Partners, the firm’s first outside institutional investor was coming in to take a majority stake in the firm. Can you take us back to that decision? I’m sure it’s still clearly vivid. Maybe talk through it, and when did you first start to think seriously about bringing in capital? Jason Fertitta: Yeah, so probably at the end of ’23, we looked down, and there was $100 million worth of potential M&A that was fairly actionable that we could do. And the other M&A events we did were small deals, 10, $20 million sometimes, but firms with three, 400 in AUM to 600 million in AUM. We were doing deals that size, and we’re just passing the hat, and saying, okay, to the families that were in our cap table and to ourselves, who wants to write a check? The cap table was changing all the time based on people’s buy-in and M&A transaction. But then, when you sit down, and you look at potentially $100 million of M&A, if every deal came through that you’re in conversations around, and we owned at the time 75% of the firm, the families owned 25. If all of that M&A were to have happened, we didn’t have $75 million as employees. We were facing dilution. And then, we went to the families and said, “Hey, we don’t mind being diluted, but we got to know that if all of these came through, you guys want to invest another 100 million into this business.” And that’s when they said, “Well, we can. All the deals that you’ve done so far have been accretive and great. But, our value add to you is not M&A. It’s not underwriting. It’s not how to take this firm from four billion to 12 billion or customers. Why don’t you contemplate bringing in an institutional partner to help you round first base and go to second and third?” And so, I called a good friend, a gentleman by the name of Jimmy Dunne, who’s legendary in the world of golf and business. He’s a vice chair at Piper Sandler. I explained the situation, and he said, “Well, this is going to sound self-serving, but I think you should hire me and my firm to run a process to find your partner.” Louis Diamond: Classic investment banker. Jason Fertitta: And we did, and he worked on a very small retainer, and a contingency fee, and they helped us get ready to show the firm to the institutional world, and that took nine to 12 months of hard work to get ready. They ran the process. I think we had 30 firms sign the NDA in the October of ’24 month that you mentioned. I think we had 20 offers. And during that year, we were getting to know a lot of the people that were going to be bidding on us, and we frankly were incredibly impressed by Lovell Minnick and their success that they have had in investing in the wealth space. We were always pulling for Lovell Minnick to compete and compete well, got to run an honest process and Lovell Minnick was not the high bid, but they were a very good and well-thought-out bid that was easy for us to understand on why they were where they were. And for us, it was about how can we create value from this point forward with the right partner to really grow the firm and scale it to where we wanted it to be? And so, that was the more important driving factor in our decision to sell to Lovell Minnick. Now, of course, we wanted to sell a minority piece, but the reality is, given the activity that we had in our M&A pipeline at the time, they were going to eventually get to majority anyway. And so, I may be skipping ahead a little bit in the podcast, but I know what some of the questions are going to contemplate, and our thought was, you’re in a better position to negotiate minority rights before the transaction than later. And so, we got all of that out on the table in our negotiations with our private equity partner, and then just got married immediately instead of had this weird period of where they ultimately were going to get to majority control through M&A, and then, you have this awkward moment where that shift happens after you’re already partners. Louis Diamond: Very interesting. Was it a hard decision to give up majority control over your baby? Jason Fertitta: Definitely a lot of self-reflecting on behalf of our team and everything, but I think where we came out with it, and I’m a big believer in this, is the people that really control the business are the people that control the relationships with the clients. Lovell Minnick knows that, and we’ve never had a decision in a year and a half that we don’t all arrive at the same place. We negotiate, we study, but they know that it’s not in their best interest to try and force the management team to do something that the management team is not in agreement on, because at the end of the day, we’re servicing all of these accounts. Look, we don’t see eye to eye exactly on everything, no partners do. But, we’re generally in the same zip code on everything, and we talk things through until we all arrive at the same place that this is in the best interest of the company. And I think a big part of why that works so well for us in Lovell Minnick, and I think this is very unique in the industry, it all goes back to we all own the same share class. We’re all in the foxhole together. We all sink or swim together. There’s no way one group can win and another group can lose. We all own the exact same security. Not only do we all own the exact same security, but our employees own it. The families that are in our cap table own it. And so, every decision comes from the standpoint of how do we make decisions to benefit that security? Louis Diamond: Makes sense. It’s still a tough decision, but you lay it out, make it seem like an easy decision with the conviction you have, I think the very pure motivation to make that leap. Aside from capital to fuel M&A, what are the other things that Lovell Minnick is doing for your business to help it? Jason Fertitta: Well, Lovell Minnick, and this is another thing that was impressive to us, they’re always the first institutional capital until what’s otherwise an entrepreneurial family-owned business. They’re not afraid of building the things that you have to build to get ready to scale. They’ve seen it in every investment they’ve made. And so, that was very refreshing to us, because frankly, we wanted the help. We wanted the expertise. We’re financial advisors at heart. Like a lot of private equity firms, LMP has this third party advisory relationships with industry people, and they’ve brought those people into our firm, several sit on the board of the firm today, and they’ve just been fantastic to work with. Some have more experience with FinTech, some have more experience with HR, some have more experience with actual investment platforms and product. Some have more experience in how to help clients optimize from a tax perspective. Some have family office experience. And so, we’ve really benefited from this group of people. And I would tell you that, since they came into our world, which is about 18 months ago, we have been building a lot of things that are about to be unveiled to not only our financial advisors, but our clients. And I think that the experience is just going to continue to get better for both of those segments. Louis Diamond: Very cool. Yeah, it seems like a great fit. And I meant to ask you before, because it’s such a cool, and I think still a fairly novel concept, but what was the thinking behind having nine families, their customers or clients come in, and buy some equity in the firm? Why’d you do that? And then what’s been the outcome of that? Jason Fertitta: It was more their idea than us after we launched the firm. And this goes back to my original comments about the clients want to do more business with you when you’re independent than when you’re inside the bank. And we have a lot of clients that are entrepreneurial. And so, I think when we explained to them the reasons why we were doing this, and the reasons why we’re so excited about it, they got excited about it too, some clients, most clients. And so, what they said was, “Yeah, we’re going to move our money to it, we’re excited about it, but if there’s an opportunity, we’d also like to own a piece of the firm.” And originally, when they said that, I didn’t know if they meant that they wanted us to give them, but they wrote a check. They all wrote checks. We set an arbitrary value of the firm in the first year after we launched it. And that wasn’t a whole lot of science behind the value. It’s basically what we would’ve been paid by walking across the street, and that was the original value. And they bought into the firm, and then, Lovell Minnick really thought it was a nice novel concept that they hadn’t seen before, and they’ve embraced it. When they invested, we brought another round of clients into the firm at that valuation. I think it’s really powerful, because what’s important for us in these families is that they’re all pillars of their respective communities and they’re spread across all over the country and Mexico. We have some incredibly good reputation, great business people in Mexico City, and Monterrey, and Los Angeles, and Midland, and Dallas, and Austin, and Houston. And we’re open to the concept of when we come into new markets, finding that pillar of the community, finding that family who people ask, “Well, what do you do with your money?” We want them to say, “Well, we own our own wealth management firm. He wants to have them call you and they’ll show you what we do with our money.” And that’s a powerful part of the organic growth and the flywheel. Louis Diamond: I absolutely love that. I oftentimes have clients, especially breakaway clients talk about how cool it would be to have a client or set of clients invest in their business. But, the reasons why, I love that as part of a very consistent, repeatable strategy of identifying key influencers essentially in different markets, and then having them come into the cap table. I would assume too, the dynamic of, “Oh, you should call Jason, he’s my financial advisor, he’s great,” to, “Hey, you should come in and meet my firm.” And I feel like clients are probably much more incentivized naturally to refer friends, family, et cetera. And just the power and dynamic of that referral is probably that much better than a referral from another happy customer who’s not an investor. Jason Fertitta: Exactly. When we’re looking at coming into a new city with a new partner, to the extent they have those clients in that community, and when they join us, we have a private equity partner that embraces that strategy and concept. When we’re talking to that Wall Street advisor, and they’re interested in our business model and our plan, I think that particular part of our business model is very differentiated and intriguing to them. Louis Diamond: Amazing. You mentioned in your last answer that you have, it sounds like you have some investors in Mexico, and that you’re serving families in Mexico and Latin America as well. Can you talk about adding that capability or the openness to go international? That’s clearly a big decision. It’s a different risk profile, different client needs. What was the thought process behind taking Americana, I guess, still in the Americas, but outside of America? Jason Fertitta: Yeah. Well, I think a lot of it is growing up in Texas, there’s a lot of wonderful families from Mexico whose kids and grandkids have moved here, and our children are going to school with their children, and they’re part of our community, and I think they’re a great part of our community. And so, I just started to notice how Wall Street treated this community as just one, right? And what we were able to do is cherry-pick a few families that we knew very well that are incredibly good reputations in the cities that they’re from, and their origins are from. And there’s a high desire on behalf of not only those families, but their friends to invest into the United States into our economy. And given that a lot of their children and grandchildren live in the US, these are families that have citizens and their family inside of the US and back home in Mexico. Most of these families, they’ve been going to our colleges. A lot of these families sit on the boards of Fortune 500 companies inside of the United States. These are families that are very easy to do due diligence on, and frankly, we have learned a lot from them. They’re very sophisticated families, and so, they’ve been amazing partners, and we use Bank of New York Pershing to custody a lot of these assets, and I think they’re increasingly becoming more interested in alternatives as part of their portfolios, because I think going back 15, 20 years ago, these families were mostly stocks, bonds, and cash. But, as they continue to build out their own family offices, they’re becoming more sophisticated and interested in alternatives, so it’s really been an exciting part of our firm. Louis Diamond: Did this expansion, does it scratch the itch to go into different Latin American countries in Europe and Asia, or is that not really part of the roadmap? Jason Fertitta: Well, it’s open to the concept. Like I said, the genesis of this for us was the fact that our children go to school with their children, and we got to know several families just through our social circles here in Texas. But, I don’t think that same phenomenon would exist in Europe, other Latin American countries per se, but we’re certainly open to it, and there’s a lot going on in Latin America. There’s a lot going on and a lot of potential, so we’re open to anything that increases the footprint in the right way for Americana. Louis Diamond: Great answer. Let’s go back a little bit to talk a little bit more about your M&A strategy. You merged with or acquired Boulevard Family Wealth, which was Matt Celenza’s firm. I think Matt was the first breakaway guest on our show, and an amazing advisor. You bought Goodpasture Gray in Nashville, and more recently you bought NRT Consulting. I think from my read, three different types of firms, different geographies. How do you think about the M&A strategy? Jason Fertitta: I feel like we’re building out a firm and departments in the firm, and each of those acquisitions goes into a different department of our firm. I think Matt Celenza and Boulevard are fantastic, and they’re really good at tax optimization strategies for families, and they’re really innovative there. That is a very hot topic with all of our clients. More and more families are getting smart about the fact that not only does it matter what your returns look like. What really matters is how much of those returns you get to keep. And so, Matt and his team are incredibly sophisticated and cutting edge on tax optimization, and that's proliferating throughout our firm right now, which is I think making us even better at what we can advise and provide to our clients. I would say that’s more in the family office service and tax planning part of our firm. Goodpasture Gray’s fantastic. WL who runs that firm, or did prior to the merger, I’ve known him for 30 years. He’s a longtime family friend. His clients are in Nashville, Santa Fe, and Texas. He and my father actually used to office together. And then, ironically, he hired Dynasty to represent him to find the right partner. That’s an example where full circle Dynasty brought him back and I hadn’t talked to him for decades, but we shared a bunch of fun stories about how I used to go up in college, and hang out with he and my dad in their office. That was a great full circle experience, but WL’s just a fantastic financial advisor that does what we’ve always done. He’s just a natural fit inside of our firm. And then NRT, Chris Ginsbach and his team, they’re unbelievable. They do bookkeeping services for families. They’re not signing tax returns, but the more sophisticated these families get, some of these families have 35, to 45, to 55 different LLCs that require bookkeeping services. He’s an accountant by training, so is everyone that works there. And I think that there’s a lot of cross-pollinating with our client base that wants bookkeeping services for their needs. With all of these different M&A events, it’s trying to meet or have the ability to meet your client at wherever their pain points are. And some of your client’s pain points are in bookkeeping and accounting. Some are in tax optimization, and some are just good old-fashioned financial advice and access. And all three of those acquisitions that you described are meeting that client in a different pain point, but they’re all pain points, and they’re all important. Louis Diamond: When you’re thinking about M&A, is it like you have, these are the three areas that we want to add to the firm? Next one, making it up, we want to add tax preparation. Are you then going out to find a firm that fits the bill, or is it more so just you’re selective with who you take on, and you look for a new capability, or just like an extreme alignment with how you’re already serving clients, and then, that’s what makes a compelling deal for you? Jason Fertitta: Yeah. Most of the time, we’re getting feedback from our clients on where they need help, and that is usually the spark that starts the fire on, okay, what if we added this? It’s really I would say more based on client feedback. We don’t have estate planning attorneys inside of Americana per se. We don’t have accountants that are signing people’s tax returns inside of Americana. We get a lot of interesting opportunities from accounting firms and estate planning firms. And so, I like how we have this great referral network in place with those industries. And so, I think we’d have to think long and hard about getting into those businesses per se. Louis Diamond: Makes sense. I feel like there’s probably a version of this story, your story, where you break away, you plot along, you’re happy to not have a boss anymore, clients are happy, maybe you get to like four or five billion in assets, and you call it a win, and just throw in coast mode, but clearly you didn’t do that. You went the opposite direction. What do you think drove the ambition to keep building towards something larger? What’s really sparking you and motivating you today maybe differently, or in a more defined way than it was when you first broke? Jason Fertitta: Yeah, I would say it’s not just me, it’s all the founders, and I think all the employees. I share this and not to sound corny about it. I think everyone here wants to try and build something that his or her children would say, “My parent was one of the founders and employees of Americana Partners.” It’s like, I think when you work at a bank, you definitely care about your brand that you’re building, but this is a whole next level of care about your brand. We really care about this brand, and we want it to outlast all of us. Louis Diamond: Love that. For a successful wirehouse advisor or team that’s sitting on a really nice practice maybe similar in size or in the same realm that you had back where you were in that world, and they’re thinking about maximizing their value, what advice would you offer? Do you think your story is an outlier, or do you think it’s doable by others if they follow certain advice or principles? Jason Fertitta: I would have a two-word answer. Call us. I’m kidding. I have a much longer answer. One of the things I really respected about a certain advisor, and if he’s listening to this, he’ll know exactly who he is, but I feel awkward saying his name. When I was contemplating going independent, I talked to an entrepreneur I really admire, and I called him, and I said, “Hey, we’re thinking about doing this.” And he said, “Look, I’m going to try and convince you to join our firm, and if you don’t end up doing that, it’s fine. There’ll be no hard feelings, because we ended up launching our own firm and I would never fault you for the decision if you wanted to do that with your team.” And we thought long and hard, we almost joined his firm. It was in a very different geography so we ended up launching our own firm. I would say that if you want to do it yourself, we would respond the same way. We would give you a high five, and wish you well, and say you’ve made a great decision, and we’d be pulling for you. If you want to spend more time with your clients, and less time in building the firm, we have the firm built, and it’s fantastic, and it wasn’t without blood, sweat and tears for seven years, and we can create a transaction that is economically the same or better as launching your own firm, and you have a voice, and you have a seat at the table, because we’re still small enough to where you can help shape the direction of this firm, and we want your input. The difference is that instead of spending a third of your time interacting with financial advisors the way I do, you could spend 90% of your time interacting with your clients, instead of a third, and be part of a firm that I think has great national prospects. But, I would never fault someone for doing it themselves, because that’s what we did, and that would be hypocritical. But, I really do think that this is a better path, even if you did it yourself, or if you did it with someone like us. I think you’re choosing two better options than what you currently have. Louis Diamond: I think it’s a great perspective, and I think it’s balanced and fair too. There’s plenty of people that I speak to where their passion is building. They want to be the next Americana, right? That’s what’s going to spark them and get them out of bed. They want to do M&A, they want to be the CEO, they want to really make their mark on the industry, and that’s fine. But, I do think there’s probably more advisors out there that would love to be part of something, and they’d love equity, and they’re passionate about different things than you were passionate about when you launched the firm. And the theory of a rising tide lifts all boats, it’s like, you can do this yourself or let’s just build something bigger and better together. And just getting comfortable with the theory of you’ll own a smaller piece of the pie, but the pie is much more valuable than owning 100% or 80% of something that’s less valuable, and is going to take you in a different direction personally. I always say we’re not in the business of making judgments for people. It’s up to them to define their goals, and then, we’ll help them execute on it. But, I really like that perspective. I agree, it’s not for everyone. What you did is extremely hard, it’s a risk, it’s a big swing. But, if you have the stomach for it, and you want to take the swing, to me there’s no better time to pursue that path than today. Jason Fertitta: I agree. And I could totally see a world over the next five years where some of these advisors that join us are bigger shareholders in this firm than me, and that would be great. Louis Diamond: Interesting. Jason Fertitta: I’m with you, not only do I agree with what you’re saying, to me, I’ve never thought about how much of this company do I own? I’ve thought about what is the percentage of the company that I own, and what is it worth? I could care less if it was 25%, 12.5%, 5%. What I care is, what is that slice worth? Louis Diamond: That’s a fun way to look at it. Jason, this has been really fun. This new series Build, Grow, and Transact, this is proof of concept, but we’re going to have to do a ton of these, because the richness of detail, and whenever we have breakaway guests, we’re talking to them in the beginning when they’re still finding their feet, everything’s new and fresh. They haven’t thought about or executed on M&A and taking on capital partners. But, I feel like this is the missing ingredient where it’s a playbook for how others can be better themselves, something to shoot towards. And I really appreciate your candor and transparency, and I’m very serious, we’ll have to do this again when you’re at 25 billion, and you have even more lessons, and I’m sure battle scars to share. Jason Fertitta: No doubt. I’m for sure open to doing that. And maybe in the meantime, I see the pictures behind your head there. I’d love to come visit you in Park City and hang out and ski, or play golf, or- Louis Diamond: You got it. Jason Fertitta: All right. Thanks for your time and thank you for having me. Louis Diamond: Thanks, Jason. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful, because you take your professional responsibility seriously, and are dedicated to your clients, but are you living your best business life? Are your goals aligned with your firms, or could a better option exist? Should I Stay Or Should I Go is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions, and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Build, Grow & Transact: Americana's $12B Path from Breakaway to Enterprise A conversation with Louis Diamond and Jason Fertitta, CEO & Partner at Americana Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: Americana's $12B Path from Breakaway to Enterprise. It's a conversation with Jason Fertitta, CEO and partner of Americana Partners. I’m Louis Diamond, and this is the Diamond Podcast for financial advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors, and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven, and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement, and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Independence is often viewed as the finish line. Break away, gain control, own the business, and enjoy the economics that come with it. But, for some advisors, going independent is just the beginning. That’s the idea behind this new series called Build, Grow, and Transact, featuring advisors who saw independence not as a destination, but as the first chapter of a business building story. And there will be some familiar names along the way, including our first guest who was on our show back in 2020, talking about what was at the time, one of the industry’s breakaway moves. That’s Jason Fertitta, CEO and foun

Case Law Update   •          Michigan Ambulatory Surgical Center and Phase One Rehab v Progressive Marathon Insurance Company, unpublished opinion per curiam of the Court of Appeals, issued May 20, 2026 (Docket No. 373314) •          Zielinski v Auto-Owners Ins. Co., No. 371692, 2026 WL 1699526, at *1 (Mich Ct App June 11, 2026)   Trending Topics in PIP Litigation   •          Courts Reject Appeals From Stip Orders •          Saad Yousif Ishoo and Marena Saad Ishoo v Farm Bureau General Insurance Company of Michigan, unpublished opinion per curiam of the Court of Appeals, issued May 21, 2026 (Docket No. 370759) •          Stanley v Farmers Ins. Exc., No. 374881, 2026 WL 1674086, at *1 (Mich Ct App June 9, 2026)

Steiny & Guru debate the idea of how much they are together and how that's impacting the W-L record.

In this episode, we feature a brand-new deposition-related ruling that continues to build on the post-COVID pandemic rulings holding that in-person depositions remain the default and that parties seeking to force a remote-video deposition must satisfy the formidable good-cause burden. It's a great decision for your research bank, as are the others we've provided in the show notes below.And here's a bulletin for you. As Jim explains here, research in the field of behavioral psychology shows us there's a powerful psychological reason for insisting that your deponent appear in person - and it isn't that you can personally gauge their demeanor. Don't miss this one! SHOW NOTESGroskreutz v. Agropur, Inc., No. 25-CV-1153, 2026 WL 1694341 (E.D. Wis. June 11, 2026) (in-person deposition required because of need for counsel to observe body language and because plaintiff failed to show good cause for remote video deposition)Eletson Holdings, Inc., et al. v. Levona Holdings, Ltd., and Apargo Limited, et al., Case No. 1:23-CV-07331-LJL (S.D.N.Y. July 16, 2025), CM/ECF Doc. 505 (order requiring in-person deposition)Simoni v. United Airlines, Inc., No. 1:21-CV-01267 (N. D. Ill. Aug. 25, 2023), CM/ECF Doc. 66 (order requiring in-person deposition)Crutchfield v. Experien Information Solutions, Inc., et al., Case No. 1:25-CV-05697 (N. D. Ill. October 16, 2025), CM/ECF Doc. 44 (order requiring in-person deposition)Fed. R. Civ. P. 30(b)(4) (“By Remote Means. The parties may stipulate—or the court may on motion order—that a deposition be taken by telephone or other remote means. For the purpose of this rule and Rules 28(a), 37(a)(2), and 37(b)(1), the deposition takes place where the deponent answers the questions)Fed. R. Civ. P. 26(c)(1)(b) and (c) (authorizing court to determine manner, time, and place of deposition or other discovery)Bond & Depaulo, Accuracy of Deception Judgments, Personality and Social Psychology Review, Vol 10, Issue 3 Aug. 2006, https://journals.sagepub.com/doi/10.1207/s15327957pspr1003_2

In this video, Lexy shares her personal story of growing up in the Mormon Church and the experiences, questions, and discoveries that ultimately led her to leave. Whether you're a current member, former member, questioning your beliefs, or simply curious about Mormonism, this is an honest and thoughtful discussion about faith, identity, and personal growth.Original Video:https://www.youtube.com/watch?v=D25NWkwhqH4&list=WL&index=10&t=33sFollow Lexy:Instagram:https://www.instagram.com/ladygranthem/TikTok:https://www.tiktok.com/@lexyscoolSubstack / Newspaper:https://substack.com/@lexyscoolBook:https://a.co/d/dDgYxKxBuy Me a Coffee:https://buymeacoffee.com/lexyscoolIf you enjoyed this content, be sure to like, subscribe, and share your thoughts in the comments.#Mormon #ExMormon #LDS #MormonChurch #FaithCrisis #FaithTransition #LeavingMormonism #Religion #ExMo #MormonStories #Deconstruction #MormonNewsRoundup #Lexy #FormerMormon #ReligiousTrauma #QuestioningFaithPlease consider making a donation by joining our Patreon https://www.patreon.com/MormonNewsRoundup Email: kolob@mormonnewsroundup.org Website: https://mormonnewsroundup.org/ TikTok: https://www.tiktok.com/@mormonnewsroundup Instagram: https://www.instagram.com/mormon_news_roundup/ Facebook: https://www.facebook.com/profile.php?id=100093511869924 X: https://twitter.com/NewsMormon New episodes LIVE every Sunday and Monday nights at 9:30PM ESTPlease like and subscribe and hit the notifications bell. Remember remember, no unhallowed hand can stop this podcast from progressing!The Mormon News Roundup is NOT affilated with the Church of Jesus Christ of Latter-day Saints.

On this episode of Donovan Bailey Running Things, Donovan and Jason Portuondo discuss:Alfred outduels Jeferson-Wooden In Italy DL 200mThomas extends win streak with 200m WL in Lone Star Lyles gets first Italy victory taking 100m Diamond League Bromell takes Texas Grand Prix 100m over De Grasse, SevilleBednarek stays hot securing another DL 200m event with ease Hosted on Acast. See acast.com/privacy for more information.

On this week's podcast, we're talking Richmond Flying Squirrels and their magical first half. First I speak with Richmond manager Dennis Pelfrey regarding the success his group has had, not only with the W-L record, but also with helping prepare their players to move onwards and upwards. Then I talk with Richmond Director Communications, Trey Wilson, about the team's spectacular new stadium and the fun ride this first half has been.There R Giants is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit rogermunter.substack.com/subscribe

Chris once served a mission in Japan and remembers the spiritual experiences and feelings from that time very vividly. His journey through spirituality, God, and religion became a lifelong pursuit of discovery, reflection, and truth.Over the years, he found that studying these subjects deeply enriched his life and expanded his understanding of light, truth, and human nature.In this powerful personal reflection, Chris encourages others to leave no stone unturned in their own search for truth.According to Chris, truth is never afraid of investigation. It can be examined from every angle and still remain true. Falsehood, on the other hand, often avoids scrutiny and begins to unravel under careful examination.He shares thoughts on:• Why truth withstands criticism and debate• How false beliefs often depend on fear, tradition, or social pressure• The relationship between knowledge and discernment• Why truth must align with reality and consistencyOriginal video:https://www.youtube.com/watch?v=nj9uLK-Z1MM&list=WL&index=11&t=1217sTo continue reading Chris's full thoughts and experiences:https://wasmormon.org/profile/chrisj/Please consider making a donation by joining our Patreon https://www.patreon.com/MormonNewsRoundup Email: kolob@mormonnewsroundup.org Website: https://mormonnewsroundup.org/ TikTok: https://www.tiktok.com/@mormonnewsroundup Instagram: https://www.instagram.com/mormon_news_roundup/ Facebook: https://www.facebook.com/profile.php?id=100093511869924 X: https://twitter.com/NewsMormon New episodes LIVE every Sunday and Monday nights at 9:30PM ESTPlease like and subscribe and hit the notifications bell. Remember remember, no unhallowed hand can stop this podcast from progressing!The Mormon News Roundup is NOT affilated with the Church of Jesus Christ of Latter-day Saints.

In this episode, I respond to FairMormon's infamous “The CES Letter is Too Awful for Satan” video and break down the arguments, tone, and apologetic tactics used in their attempt to dismiss the CES Letter.This is a full exmormon rebuttal and takedown of the “This is the Show” style response promoted by FAIR. We examine the claims, the rhetoric, and whether mocking sincere faith crises actually helps Mormon apologetics—or makes things worse.Featuring commentary and reactions to arguments surrounding the CES Letter, Mormon apologetics, church history, spiritual witnesses, and the broader exmormon conversation online.The original FAIR series sparked major backlash from both critics and even some believing members for its sarcastic and combative tone. Original video:[FairMormon “The CES Letter is Too Awful for Satan”](https://www.youtube.com/watch?v=46OMxiRZrJI&list=WL&index=8&t=2425s&utm_source=chatgpt.com)Check out The_PhilosoFIST:[The_PhilosoFIST YouTube Channel](https://www.youtube.com/@ThePhilosofist?utm_source=chatgpt.com)Topics discussed include:* The CES Letter controversy* FAIR / FairMormon apologetics* Mormonism and faith crises* LDS church history issues* Exmormon commentary and reactions* “This is the Show” response videos* Jeremy Runnells and CES Letter discussions#ExMormon #CESLetter #Mormonism #FairMormon #LDS #MormonStories #ExMo #Mormon #JeremyRunnells #PhilosoFISTPlease consider making a donation by joining our Patreon https://www.patreon.com/MormonNewsRoundup Email: kolob@mormonnewsroundup.org Website: https://mormonnewsroundup.org/ TikTok: https://www.tiktok.com/@mormonnewsroundup Instagram: https://www.instagram.com/mormon_news_roundup/ Facebook: https://www.facebook.com/profile.php?id=100093511869924 X: https://twitter.com/NewsMormon New episodes LIVE every Sunday and Monday nights at 9:30PM ESTPlease like and subscribe and hit the notifications bell. Remember remember, no unhallowed hand can stop this podcast from progressing!The Mormon News Roundup is NOT affilated with the Church of Jesus Christ of Latter-day Saints.

nFactorial Intelligence - еженедельный обзор новостей из мира стартапов и ИИ Cтратегия DeepSeek на $10 трлн против Nvidia, Марк Андриссен у Джо Рогана за 3:20:00 раздаёт AI-альфу, плагины Higgsfield внутри Adobe Premiere и After Effects, Гэвин Бэйкер объясняет почему AI-цикл избежит пузыря, а Джеффри Хинтон предупреждает что спать спокойно не стоит, AMD пробил $500; Миядзаки в 2016 назвал AI-анимацию оскорблением жизни, Гарри Тан из YC: «moat — это глагол», Андриссен про успешные компании из «product first», Пол Грэм рисует Пифагора 14-летнему сыну и спорит о бросании учёбы в 18, Безос объясняет почему никто не копирует «get-rich-slowly» Баффетта, Стэнфорд доказал что прогулка даёт +60% креатива, парадокс AI от Дэна Шиппера, Канат Байгарин про физику плазмы, почему Кристофер Нолан не пользуется email, Альфред Лин из Sequoia про конечные и бесконечные игры Упомянутые ссылки:  https://spotlight-panic.vercel.app/ - Spotlight Panic: вайб-кодинг игра для nFactorial AI Cup https://frog-pond4.vercel.app/ - Frog Pond Final: ещё одна работа с nFactorial AI Cup https://aldar-kose-aul-quest.vercel.app/ - Aldar Kose Aul Quest: казахский фольклор в вайб-кодинг игре https://nfactorial-school.kit.com/posts/nfactorial-weekly-20-3 - 3 эпизода Acquired про Costco, Nvidia и Berkshire Hathaway https://x.com/Hesamation/status/2059660001581441165 - Миядзаки в 2016 году увидел AI-анимацию и сказал: «оскорбление жизни, конец света близок» https://x.com/ramit/status/2059754959516873149 - Рамит Сэти ушёл в 3,5-месячный саббатикал: Барселона, Париж, Марракеш, Япония https://x.com/levelsio/status/2059351181516816409 - AMD пробил $500: levelsio поздравляет всех, кто зашёл в позицию https://x.com/higgsfield/status/2059690191187824681 - Higgsfield запускает плагины для Adobe Premiere Pro и After Effects https://x.com/paulg/status/2059618578211438884 - Пол Грэм нарисовал 14-летнему сыну доказательство теоремы Пифагора https://x.com/Giuliano_Mana/status/2059634348597330326 - Джулиано Мана: «Я думаю об этом каждый божий день» https://x.com/StartupArchive_/status/2059301030278595016 - Гарри Тан из YC: «Moat — это не существительное, это глагол» https://x.com/ihtesham2005/status/2058920173491695764 - Стэнфорд доказал: прогулка повышает креативность на 60% https://x.com/paulg/status/2059011859953410286 - Пол Грэм: идея стартапа невалидна, если работает только при толпе пользователей https://x.com/gdb/status/1621333381836570627 - Грег Брокман вспоминает как стартовал OpenAI https://x.com/Scobleizer/status/2058720543780786413 - Скобл: пришло время фаундерам подавать заявки на YC и аналоги https://x.com/StartupArchive_/status/2058878244901052849 - Марк Андриссен: успешные компании всегда стартовали «product first» https://x.com/CAronitpereira/status/2058596815679983909 - Кейс Gillette: 100 лет доминирования в бритвах как тезис для инвестиций https://x.com/paulg/status/2058492772726804943 - Пол Грэм против бросания учёбы в 18 ради стартапа https://x.com/nikunj/status/2059772109480718814 - Никундж Котхари: «Покажите миру свою одержимость» https://x.com/MilkRoadMacro/status/2058162358242140326 - Гэвин Бэйкер объясняет, почему этот AI-цикл может избежать пузыря https://x.com/ayushjaiswal/status/2058272419106951345 - Аюш Джайсвал об интервью с Илоном: «лучший опыт собеседования в жизни» https://x.com/SJosephBurns/status/2058108196787499495 - Безос про Баффетта: «Get-rich-slowly — поэтому никто не копирует» https://x.com/MidnightMuse___/status/2058208882636607854 - Почему у японских пар самые стабильные браки: одно правило, которое игнорируют западные терапевты https://x.com/bookwormengr/status/2057909493250539891 - Стратегия DeepSeek на $10 трлн: Китай строит свою AI-индустрию железа https://x.com/itsolelehmann/status/2057909733491937555 - Марк Андриссен у Рогана: 3 часа 20 минут чистой AI-альфы https://x.com/aakashgupta/status/2057744283256696989 - Почему Кристофер Нолан не пользуется e-mail https://x.com/sairahul1/status/2057808907553431946 - Крёстный отец AI: «Если ты спокойно спишь — ты невнимательно следишь» https://x.com/Alfred_Lin/status/2057870289783156835 - Альфред Лин из Sequoia: в бизнесе есть конечные и бесконечные игры — играть надо в обе https://www.youtube.com/watch?v=1gn0i2AUXik - Канат Байгарин про физику плазмы и термоядерный синтез https://www.youtube.com/watch?v=nQVDi79A4JI - Эпизод 1: как строится компания на миллиард долларов https://www.youtube.com/watch?v=4D3hDmGhFhA&list=WL&index=6&t=3365s - Парадокс AI от Дэна Шиппера: больше автоматизации — больше людей и больше работы https://www.youtube.com/watch?v=tqOCyhXnKYA&list=WL&index=2&t=8721s - Бердыев как мыслитель: выше Де Дзерби — только Анчелотти https://www.youtube.com/watch?v=MLagAm1sWIE&list=WL&index=3 - Саша Барон Коэн больше не вернёт Али Джи и снимется в «Ladies First» https://www.youtube.com/watch?v=JOINLHcqvYw&t=2s - TigerBelly 460: Бобби Ли встречает своего «питательного близнеца» Сон Канга https://www.youtube.com/watch?v=ou_DYLKzekk - MADtv: классический скетч «Корейская мыльная опера», все 5 эпизодов https://www.netflix.com/title/80244853 - Кен Чонг: «You Complete Me, Ho» — стенд-ап про Голливуд и «Похмелье» https://www.netflix.com/title/81728168 - The Bus: A French Football Mutiny 

As taken from 'The big lie - Imperialism on Trial' ( • The big lie - Imperialism on Trial https://www.youtube.com/watch?v=5tQm9RVUKjQ&list=WL&index=1 ) War between imperialist countries and between imperialist and non-imperialist countries is inevitable for the simple fact that imperialism must seek out profits without restriction and no matter the cost. As Stalin writes: "“But, all the same, it will not be enough to eliminate the inevitability of wars between capitalist countries generally. It will not be enough, because, for all the successes of the peace movement, imperialism will remain, continue in force — and, consequently, the inevitability of wars will also continue in force. To eliminate the inevitability of war, it is necessary to abolish imperialism.” J.V. Stalin, Economic Problems of Socialism in the U.S.S.R., section “Inevitability of Wars Between Capitalist Countries” ______________________________________________ Subscribe! Donate! Join us in building a bright future for humanity! http://www.thecommunists.org http://www.lalkar.org http://www.redyouth.org Telegram: https://t.me/thecommunists Twitter: / cpgbml Soundcloud: / proletarianradio Rumble: https://rumble.com/c/theCommunists Odysee: https://odysee.com/@proletariantv:2 Facebook: / cpgbml Online Shop: https://shop.thecommunists.org/ Education Program: Each one teach one! http://www.londonworker.org/education... Join the struggle! https://www.thecommunists.org/join/ Donate: https://www.thecommunists.org/donate/

I welcome Donny Mangos - father, entrepreneur, author, and podcaster. Donny shares his perspectives on participating whole life (WL) insurance, with a focus on how to optimize policies and use them while alive.Discussion points:Donny's intro (2:35)Broad perspectives on whole life (WL) insurance (4:55)When Donny begin to learn about WL (6:55)Quick overview on WL (9:30)WL attributes for wealth strategy (12:35)Other aspects of WL (16:00)Investments, risk (19:35)Understanding WL through an illustration (27:44)Growth rates (37:18)Good vs bad policies (38:37)Advisors and commissions (41:44)Must ask questions (44:29)"In the money" (45:54)Liquidity (46:44)Using a corporate policy personally (53:19)Multiple buckets (56:52)Personal vs corporate loans (58:50)Grey areas (1:00:22)Who should not do this (1:02:54)Donny's Links:Book: https://www.amazon.ca/Get-Wealthed-Up-Build-Mansion/dp/1998528197Podcast: https://podcasts.apple.com/us/podcast/wealthed-up-with-donny-mangos/id1825202487Site: https://wealthedup.com/Email: donny@wealthedup.comYatin's Links:Newsletter: https://www.beyondmd.ca/newsletterWebsite: https://www.beyondmd.ca/LinkedIn: https://www.linkedin.com/in/yatin-chadha/Email: yatin@beyondmd.ca

Now that the NFL schedules have been released, it's time for our annual spring schedule review where we predict the Saints record based on W/L assumptions, game by game. Learn more about your ad choices. Visit megaphone.fm/adchoices

Pour ce quatrième épisode de la saison 4 du French Quarter Podcast, nous voulions vous proposer un contenu différent et nous recevons pour l'occasion Erin Summers qui était la voix des Saints et Pelicans sur le bord terrain !

An unhinged director/A cursed jumpscare video   Patreon (Get ad-free episodes, Patreon Discord Access, and more!) https://www.patreon.com/user?u=18482113 PayPal Donation Link https://tinyurl.com/mrxe36ph MERCH STORE!!! https://tinyurl.com/y8zam4o2 Amazon Wish List https://www.amazon.com/hz/wishlist/ls/28CIOGSFRUXAD?ref_=wl_share Dead Rabbit Radio Archive Episodes https://deadrabbitradio.blogspot.com/2025/07/ episode-archive.html https://archive.ph/UELip Dead Rabbit Radio Recommends Master List https://letterboxd.com/dead_rabbit/list/dead-rabbit-radio-recommends/   Help Promote Dead Rabbit! Dual Flyer https://i.imgur.com/OhuoI2v.jpg "As Above" Flyer https://i.imgur.com/yobMtUp.jpg "Alien Flyer" By TVP VT U https://imgur.com/gallery/aPN1Fnw "QR Code Flyer" by Finn https://imgur.com/a/aYYUMAh   Links: Twiztid - Freek Show - Do You Really Know? https://youtu.be/ZdNgcsPwCME?si=WZNRYcBRo4iucLGL Twiztid - "Ghost" [Official Music Video] https://www.youtube.com/watch?v=b5Gpi9eFgdI&list=WL&index=3 Serial Killer Collection Blu-ray 2017 Cult Horror Andrea Hall Mel Heflin https://archive.ph/jcx03 Bill Zebub https://www.imdb.com/name/nm1754496/?ref_=tt_ov_2_1 Scienceless Fiction Trailer 3 https://www.youtube.com/watch?v=jlCt4eZkYjc SCIENCELESS FICTION Fight Scene https://www.youtube.com/watch?v=4Luom5GScwI Assmonster Blooper with Bill Zebub https://www.youtube.com/watch?v=kddnu3egay0 Star Trek parody by Bill Zebub https://www.youtube.com/watch?v=ObWNeZXh-TU Something I witnessed as a child that I've never been able to explain (Jumpscare Demon Possession Jump Scare story) https://www.reddit.com/r/TrueScaryStories/comments/1qhor9t/something_i_witnessed_as_a_child_that_ive_never/ Archive https://archive.ph/p9FfT Out-of-body experiences associated with seizures https://pmc.ncbi.nlm.nih.gov/articles/PMC3923147/ Out of body? https://www.reddit.com/r/Epilepsy/comments/1co0ooz/out_of_body/ Donald Trump and the "Amazing" Alex Jones https://www.newyorker.com/news/daily-comment/donald-trump-and-the-amazing-alex-jones Alex Jones and Donald Trump: How the Candidate Echoed the Conspiracy Theorist on the Campaign Trail https://www.pbs.org/wgbh/frontline/article/alex-jones-and-donald-trump-how-the-candidate-echoed-the-conspiracy-theorist-on-the-campaign-trail/ Wishmaster 2 - The Lawyer https://www.youtube.com/watch?v=jMMPwGst8X4 Revelation Road 2: The Sea of Glass and Fire https://www.imdb.com/title/tt2825924/   ------------------------------------------------ Logo Art By Ash Black Opening Song: "Atlantis Attacks" Closing Song: "Bella Royale" Music By Simple Rabbitron 3000 created by Eerbud Thanks to Chris K, Founder Of The Golden Rabbit Brigade Dead Rabbit Archivist Some Weirdo On Twitter AKA Jack YouTube Champ: Stewart Meatball Reddit Champ: TheLast747 The Haunted Mic Arm provided by Chyme Chili Discord Mods: Mason, Rudie Jazz Forever Fluffle: Cantillions, Samson, Gregory Gilbertson, Jenny The Cat http://www.DeadRabbit.com Email: DeadRabbitRadio@gmail.com Twitter: https://twitter.com/DeadRabbitRadio Facebook: www.Facebook.com/DeadRabbitRadio TikTok: https://www.tiktok.com/@deadrabbitradio Dead Rabbit Radio Subreddit: https://www.reddit.com/r/DeadRabbitRadio/ Paranormal News Subreddit: https://www.reddit.com/r/ParanormalNews/ Mailing Address Jason Carpenter PO Box 1363 Hood River, OR 97031 Paranormal, Conspiracy, and True Crime news as it happens! Jason Carpenter breaks the stories they'll be talking about tomorrow, assuming the world doesn't end today. All Contents Of This Podcast Copyright Jason Carpenter 2018 - 2025

SO YOU WANNA GET FAT PODCAST EP. 115 Today's guest helped shape modern restaurant culture in New York. The man behind Myriad Restaurant Group, he's the co-founder of Nobu, Tribeca Grill, and many other legacy restaurants — and has been running world-class dining rooms for over four decades. Be sure to check out his book, I'm Not Trying to Be Difficult: Stories from the Restaurant Trenches. Please welcome Drew Nieporent to the show! ORIGINAL VIDEO / Give it a THUMBS UP! https://www.youtube.com/watch?v=Ipe9xJCfuTM&list=WL&index=8&t=66s VISIT OUR RESTAURANTS Mission Sandwich Social https://www.instagram.com/missionsandwich Le Rivage https://www.instagram.com/lerivagenyc BLINK ONCE HOT SAUCE https://silentpendulumrecords.com/collections/loss-becomes LE RIVAGE MERCH https://shop.lerivagenyc.com/ SEND US CLIPS soyouwannagetfat@gmail.com CREDIT WHERE CREDIT IS DUE PATREON https://www.patreon.com/chefbriantsao JOIN DISCORD! Discord https://discord.gg/WdM7tGTHhG FOLLOW CHEF BRIAN TSAO! https://www.instagram.com/chefbriantsao FOLLOW FRENCHY https://www.instagram.com/lechefpaul Edited by Joshua Burns YMG Media Group For Business Inquiries Kellyparker@yeanetworks.com Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The transition from a high-earning career to retirement might hide a major—and expensive—cliff. When it comes to managing your health insurance after you stop practicing, it can seem like there are a million moving pieces, and the rules of the game just changed for 2026. While the open market offers flexibility, it also introduces a sharp cutoff for financial help: if your income is just one dollar over the limit, you could lose your entire tax credit, costing your family $18,000 a year. In this episode, Nate Reineke and Chelsea Jones break down how these health insurance subsidies work, what actually counts as income toward that "cliff," and how doctors like you can strategically structure your portfolio to secure massive savings on your monthly bills without sacrificing your lifestyle. We also play another round of “ Asking for a Friend,” and we answer your colleagues' questions. A Vascular Surgeon in Connecticut asks, “We currently have another $60k of extra money. We will need most of it for maintenance and upgrades on our home in the next 2-3 years, but don't need it immediately. With the market the way it is, should we put 60,000 as a lump sum into our taxable account?” An Anesthesiologist in New York says, “I just surrendered my WL insurance policy, and while I am glad you were able to finally help me break free from the high monthly premiums, now I need to know what to do with the cash I recently got out of the policy. What should I do with the money?” Are you ready to turn worries about taxes and investing into a plan for college and retirement? If you're evaluating your options and want to learn more, visit physicianfamily.com and click 'Get Started,' or you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

For the first episode of our fifth season, co-hosts Michael R. O’Donnell and Bethany A. Abele welcomed Jeffrey Leung, Senior Vice President and Chief Claims Counsel of WFG National Title Insurance Company. Jeff discussed the evolution of the title insurance industry based on his career experience handling claims for a national underwriter, running the gamut of “everything from A to Z – abstracts of title to zoning,” proving once again that title insurance is not boring! Jeff contrasted working with insured lenders and working with homeowners, providing guidance on navigating the claims process effectively, including complicated sales transactions and estate situations with heirs. Next, Mike discussed a federal court case emphasizing the importance of obtaining a survey when purchasing real estate. In Messersmith v. CATIC Title Insurance Company, 2025 WL 3530275 (M.D. Pa. 2025), an individual purchased a property and moved into the house, learning thereafter from a neighbor that she was living in a house that was actually on that neighbor's property. She had opted not to obtain a survey prior to closing on the property. Mike explains how the survey exception comes into play in this case, and how courts determine the merits of these claims. Key Takeaways from this episode: Navigating a title insurance claim effectively requires understanding your role in the process – whether you’re a lender or a homeowner, knowing how to work with your underwriter and what to expect can make a significant difference in resolving even the most complex situations, from contested sales transactions to multi-heir estate disputes. The survey exception in a title policy bars coverage when property boundary issues would have been revealed by an accurate survey prior to closing. Note: Riker Danzig is not endorsing the services of WFG National Title Insurance Company. Riker Danzig's Title Insurance Group also produces a “Banking, Title Insurance and Real Estate Litigation Blog,” available here.

Things mentionedMaster Perfect Espresso | Breville Barista Express A-Zhttps://www.youtube.com/watch?v=o7etibyS_1Y&list=WL&index=3How to change the temp on your Breville Baristahttps://www.youtube.com/shorts/KEcPxHegVmk Youtube Podcast channel https://www.youtube.com/channel/UCxKRciYLnoJ20Kq-klz70oA YouTube Channel https://www.youtube.com/@PeterCoulsonPhotographer/featured Online tutorials: https://inspire.peter-coulson.com.auWorldwide Photography Workshops:https://workshops.peter-coulson.com.au​Websitehttp://www.peter-coulson.com.auSocial mediahttps://twitter.com/_petercoulsonhttps://www.instagram.com/petercoulson/https://www.facebook.com/petercoulsonphotographer

From shaping New York's underground poetry scene in the 1970s to transforming travel, memory, and history into haunting verse, WL Gertz is the poet readers turn to when they want art that survives the moment. As co‑founder of Dreams magazine, he helped define the Beat generation ethos spontaneous writing, anti‑materialism, jazz rhythms, Eastern philosophy, and personal liberation. Decades later, he channels a lifetime of adventures into his two poetry collections, Broken Dreams and Land of Forgotten Fish. https://youtu.be/gesLG2DzOjQ You'll hear how decades of global travel from sleeping in European hostels to attending Woodstock shaped his worldview, why travel is a confidence and character builder, and how stepping outside your comfort zone can expand your mind. WL also shares how the digital age is reviving interest in the Beats, making music, poetry, and art more accessible than ever. He reflects on what makes poetry “good,” how stream of consciousness writing captures the complexity of life, and why publishing fuels continued creativity. Quotes: “Travel is the ultimate teacher you leave as a boy and return as a grown man.” “Poetry isn't about being obvious; it's about stirring the mind and surviving time.” “If it feels good, do it life is too short for hesitation and regrets.” Resources: William Gertz on LinkedIn We bring the world together

How concerning is limitations of Marcelo Mayer & Ranger Suarez // Lou Merloni "if Red Sox have best rotation in baseball, they're overrated" // Reacting to Lou's W/L prediction //

Nikon F5 - The World's Greatest 35mm Film Camera? Bringing It All Back Home returns with an episode celebrating the legendary Nikon F5. Introduced 30 years ago in 1996, the Nikon F5 still can deliver unmatched performance and reliability — and could be the greatest 35mm film camera ever made. Topics: used eBay prices, integrated motor drive, 8 fps, 1/8000 shutter speeds, as well as possibly the greatest Giorgetto Giugiaro design. LInks:Joe MacNally & the Nikon F5 (1996):https://www.youtube.com/watch?v=zvfr2k66j4U&list=WL&index=1&t=2048s

漫畫博覽會 màn huà bó lǎn huì - comic exhibition; comic expo漫畫 màn huà - comic; manga園區 yuán qū - park area; complex刑務所 xíng wù suǒ - prison (Japanese-era term)監獄 jiān yù - prison; jail修復 xiū fù - to restore; to repair日治時期 rì zhì shí qí - Japanese colonial period收藏 shōu cáng - to collect; collection雜誌 zá zhì - magazine漫畫家 màn huà jiā - comic artist; cartoonist手稿 shǒu gǎo - original manuscript; draft保存 bǎo cún - to preserve; to keep文化部 wén huà bù - Ministry of Culture數位典藏 shù wèi diǎn cáng - digital archiving漫畫迷 màn huà mí - comic fan常設展 cháng shè zhǎn - permanent exhibition周邊商品 zhōu biān shāng pǐn - merchandise; related products水池 shuǐ chí - pond; water pool劉興欽 Liú Xīng Qīn - Liu Hsing-Chin (Taiwanese comic artist)阿三哥與大嬸婆 Ā Sān Gē yǔ Dà Shěn Pó - Brother Ah-San and Auntie (classic Taiwanese comic)烏龍院 Wū Lóng Yuàn - Oolong Courtyard (classic Taiwanese comic)老夫子 Lǎo Fū Zǐ - Old Master Q (classic Chinese-language comic)演武場 yǎn wǔ chǎng - martial arts practice hall劍道 jiàn dào - kendo (Japanese sword martial art)柔道 róu dào - judo公共浴場 gōng gòng yù chǎng - public bathhouseFollow me on Instagram: fangfang.chineselearning !

Despite a minor setback of dropping the Rocket Pro Wrestling Championship, Shaq Jordan's star has risen exponentially over the last two years. Jordan, the current Frontline Pro Champion, returns to Windy City Slam Podcast to talk about his all-star faction and RPW, breaking through at Frontline, his desire to regain the Wrestle League Champion and what WL means to him, working with and being trained by Mustafa Ali and much more. Special correspondent Tony Gabagool also joins the show to recap Rocket Pro's “Cupid's Carnage while Mike recaps highlights from DREAMWAVE and POWW Entertainment and previews events from Wrestle League and AllStar Lucha Libre as well as TNA and AEW premium live events. Mike Pankow is a 25-year-plus professional journalist and wrestling superfan who covers local Chicagoland wrestling and national promotions like AEW and WWE. If there is something going on in Chicago, Mike knows about it. Enjoy “Wrestling, Chicago-Style” on The Broadcast Basement On-Demand Radio Network! Music by Jason Shaw on Audionautix.com. Get your local wrestling fix every Tuesday everywhere podcasts can be found and always at WindyCitySlam.com!

Check out my newsletter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://TKOPOD.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and join my new community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://TKOwners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠━In this episode, I break down 11 of my favorite beginner-friendly business ideas that are affordable to start, realistic, and actually scalable. These are real businesses I've seen work in the wild, from simple service plays to overlooked opportunities most people ignore. If you're looking for practical ideas you can actually start without experience or a huge budget, this episode will give you plenty to think about.11 Wall printing - https://www.instagram.com/reel/DTtB1D2khE2/10 Lawnmower flipping - https://www.instagram.com/reel/DTJE7vHEpom/https://www.youtube.com/watch?v=YebLPyVcTr8https://www.youtube.com/watch?v=aYj_Ns5LGEo&list=WL&index=69 Sticks with LED lights - https://www.instagram.com/reel/DTRWxBRkn7D/8 Realtor heygen - https://x.com/mhp_guy/status/20187773531874347237 Cleaning car seats - https://www.instagram.com/reel/DUHE5_UEhMb/6 Trash can cleaning - https://www.instagram.com/reel/DSqwj90ElnO/Podcast Interview - https://youtu.be/7Ow9qRVCWM8 5 Hot cocoa and chips - https://x.com/mhp_guy/status/2016982470688985256https://x.com/mhp_guy/status/20184228568757084424 Kids artwork - https://x.com/mhp_guy/status/20155189136108052953 Gas station vending - ​​https://x.com/mhp_guy/status/20181275090874659702 Timelapse giveaways - https://x.com/mhp_guy/status/20194742223143940361 Cheap jetskis - https://x.com/mhp_guy/status/2019541145844687119Enjoy! ---Watch this on YouTube instead here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tkopod.co/p-yt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ask me a question on or off the show here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://tkopod.co/p-ask⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Learn more about me: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://tkopod.co/p-cjk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Learn about my company: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://tkopod.co/p-cof⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on Twitter here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://tkopod.co/p-x⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Free weekly business ideas newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://tkopod.co/p-nl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Share this podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://tkopod.co/p-all⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Scrape small business data: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://tkopod.co/p-os⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---

It's the Epstein Files special!     I will be speaking at the Oregon Ghost Conference March 27-29 2026 For more info, tickets, and more: http://www.oregonghostconference.com/   Patreon (Get ad-free episodes, Patreon Discord Access, and more!) https://www.patreon.com/user?u=18482113 PayPal Donation Link https://tinyurl.com/mrxe36ph MERCH STORE!!! https://tinyurl.com/y8zam4o2 Amazon Wish List https://www.amazon.com/hz/wishlist/ls/28CIOGSFRUXAD?ref_=wl_share Dead Rabbit Radio Recommends Master List https://letterboxd.com/dead_rabbit/list/dead-rabbit-radio-recommends/ Dead Rabbit Radio Archive Episodes https://deadrabbitradio.blogspot.com/2025/07/ episode-archive.html https://archive.ph/UELip   Links: There's Something in the Attic short film https://www.youtube.com/watch?v=6Y8y0sqYoPM A short Sonic the Hedgehog film that explores loneliness, dread and the horrors of youth https://www.youtube.com/watch?v=XcySXoQLI5Q January 2026 Movie Night Playlist https://www.youtube.com/playlist?list=PLnA0d97QSzZNip99QBOr0kCnoNWKrfrD9 January 2026 Movie Morning Playlist https://www.youtube.com/playlist?list=PLnA0d97QSzZMVoX0vtWwvx_qZnTzoajte Jeffrey Epstein Episodes https://deadrabbitradio.blogspot.com/2025/08/jeffrey-epstein-episodes.html EP 739 - Are UFOs Shaped Like Alien Genitalia? (Bill Gates Sues Real Raw News episode) https://deadrabbitradio.libsyn.com/ep-739-are-ufos-shaped-like-alien-genitalia EP 429 - Is Bill Gates The Antichrist? (Deleted From Spotify episode) https://deadrabbitradio.libsyn.com/ep-429-is-bill-gates-the-antichrist EP 121 - The KGB vs. ET (Aliens Turn KGB Into Concrete Pillars episode) https://deadrabbitradio.libsyn.com/ep-121-the-kgb-vs-et Disturbing 'Tip' About President Trump Exposed in Epstein Doc Dump https://www.youtube.com/watch?v=XS2_IYBtjoE Epstein Survivor Interview: Exposing Everyone and Everything https://www.youtube.com/watch?v=goWtFoX4-PA Epstein survivor testimony, featuring reptilians. https://archive.ph/5XXj1 This is how you know these "ePsTeIn FiLeS" are a complete fabrication https://archive.ph/ekkbN Email About Moot https://archive.ph/iGGec Gross Allegations About Trump/Epstein/Clinton https://www.justice.gov/epstein/files/DataSet%209/EFTA00147661.pdf What's the deal with Ghislaine Maxwell and her being #8 in reddit karma? https://www.reddit.com/r/OutOfTheLoop/comments/hnhueu/whats_the_deal_with_ghislaine_maxwell_and_her/ In an interview with FBI agents, a survivor told agents that Ghislaine Maxwell "presented" her to Donald Trump, making clear she was "available." https://x.com/AaronParnas/status/2017346905227870258 View / The humans are chasing conspiracies. What will the bots think? https://www.semafor.com/article/01/31/2026/the-humans-are-chasing-conspiracies-what-will-the-bots-think View / How to resist the Epstein temptation https://www.semafor.com/article/07/20/2025/view-how-to-resist-the-epstein-temptation maxwellhill https://www.reddit.com/user/maxwellhill/comments/ Exposed Musk now insists Epstein files don't matter https://www.msn.com/en-us/music/news/ar-AA1VobDo Epstein's sex empire was 'KGB honeytrap': Paedophile financier had multiple talks with Putin after conviction - with Russian girls flown in to harvest 'kompromat' on world-famous figures https://www.dailymail.co.uk/news/article-15516349/Epsteins-sex-empire-KGB-honeytrap-Paedophile-financier-Putin-Russian-girls.html JEFFREY EPSTEIN LAST INTERVIEW FROM HIS HOME (from the Epstein files) https://www.youtube.com/watch?v=dOSIZzcV2ks Epstein sent Five Nights at Freddy's Porn from 4chan, because of course he did https://apptrigger.com/epstein-sent-five-nights-at-freddy-s-porn-from-4chan-because-of-course-he-did-01kgapm6z18j YouTube's conspiracy theory crisis, explained https://www.vox.com/technology/2018/12/12/18136132/google-youtube-congress-conspiracy-theories Frazzledrip https://en.wiktionary.org/wiki/Frazzledrip 'Prince Andrew believed having sex with me was his birthright': Virginia Giuffre on her abuse at the hands of Epstein, Maxwell and the king's brother https://www.theguardian.com/us-news/2025/oct/15/prince-andrew-virginia-giuffre-abuse-epstein-maxwell Woman suing Trump over alleged teen rape drops suit, again https://www.politico.com/story/2016/11/donald-trump-rape-lawsuit-dropped-230770 IN GOV MIKE PENCE HAS MURDERED 54 CHILDREN https://www.youtube.com/watch?v=REaXZnYqK_8&list=WL&index=1   ---------------------------------------------- Logo Art By Ash Black Opening Song: "Atlantis Attacks" Closing Song: "Bella Royale" Music By Simple Rabbitron 3000 created by Eerbud Thanks to Chris K, Founder Of The Golden Rabbit Brigade Dead Rabbit Archivist Some Weirdo On Twitter AKA Jack YouTube Champ: Stewart Meatball Reddit Champ: TheLast747 The Haunted Mic Arm provided by Chyme Chili Forever Fluffle: Cantillions, Samson, Gregory Gilbertson, Jenny The Cat Discord Mods: Mason, Rudie Jazz   http://www.DeadRabbit.com Email: DeadRabbitRadio@gmail.com Twitter: https://twitter.com/DeadRabbitRadio Facebook: www.Facebook.com/DeadRabbitRadio TikTok: https://www.tiktok.com/@deadrabbitradio Dead Rabbit Radio Subreddit: https://www.reddit.com/r/DeadRabbitRadio/ Paranormal News Subreddit: https://www.reddit.com/r/ParanormalNews/ Mailing Address Jason Carpenter PO Box 1363 Hood River, OR 97031 Paranormal, Conspiracy, and True Crime news as it happens! Jason Carpenter breaks the stories they'll be talking about tomorrow, assuming the world doesn't end today. All Contents Of This Podcast Copyright Jason Carpenter 2018 - 2025  

This week on the podcast, Darian and Steve are joined by former Icers head coach Joe Battista to talk ahead of Penn State playing hockey games at Beaver Stadium for the first time ever.  Plus Darian and Steve chat about what they want to see as a part of the experience, share some insights about how it came together and explain why it's a massive series for Penn State in the W-L column.   Follow Darian and Steve on Twitter @StuffSomersSays and @SteveSamspell. Visit the website at StuffSomersSays.com. Join the newsletter today. Go buy Stuff by visiting StuffSomersSays.com/TheStuff

Fri, Jan 23 12:49 AM → 12:56 AM A fight broke out in the Taco Bell parking lot between WL and Yorktown students following a basketball game. An individual from Yorktown hit multiple people from WL with her car and left the scene. Radio Systems: - Arlington VA Trunked System

In this episode, Jim Garrity urges you once again (see Episode 7, Audiotaping Your Depositions) to independently audiorecord your depositions. Apart from all the prior, excellent reasons he discussed, there's a new one, and it stems from technical glitches that disrupt the reporter's audio and video feed in a remote deposition. Give this one a careful listen!SHOW NOTESMcGillvary v Riez, et al., Case No. 22-6430-MAS-JBD, 2025 WL 2962775 (D. New. Jersey Oct. 17, 2025) (memorandum order on, among other things, a motion to suppress the transcript of the plainest deposition and to compel production of the audio recording of the deposition, based on allegations that the transcript contained numerous errors and omissions) 

Wolford v. Lopez | 01/20/26 | Docket #: 24-1046 24-1046 WOLFORD V. LOPEZ DECISION BELOW: 116 F.4th 959 LIMITED TO QUESTION 1 PRESENTED BY THE PETITION. CERT. GRANTED 10/3/2025 QUESTION PRESENTED: New York State Rifle & Pistol Association, Inc. v. Bruen , 597 U.S. 1, 33 (2022), holds that "the Second Amendment guarantees a general right to public carry" of arms, meaning ordinary, law-abiding citizens may "'bear' arms in public for self-defense." In this case, the Ninth Circuit sustained a Hawaii law that makes it a crime for a concealed carry permit holder to carry a handgun on private property unless he has been "given express authorization to carry a firearm on the property by the owner, lessee, operator, or manager of the property." H.R.S. § 134-9.5. That holding is in acknowledged direct conflict with the Second Circuit's holding in Antonyuk v. James , 120 F.4th 941 (2d Cir. 2024), a decision that struck down an identical State law in the same procedural posture as this case. The Ninth Circuit also sustained a multitude of other location bans on carry by permit holders, relying solely on post-Reconstruction Era and later laws. That doctrinal approach is in direct conflict with the Third Circuit's decision in Lara v. Commissioner Pennsylvania State Police , 125 F.4th 428 (3d Cir. 2025), the Fifth Circuit's decision in United States v. Connelly , 117 F.4th 269 (5th Cir. 2024), the Eighth Circuit's decision in Worth v. Jacobson , 108 F.4th 677 (8th Cir. 2024), and, most recently, the Eleventh Circuit's en banc decision in NRA v. Bondi , No. 21- 12314, 2025 WL 815734 at *5 (11th Cir. March 14,2025) (en banc), all of which hold that primary focus must be on Founding generation laws and tradition in applying the text, history and tradition test Bruen mandates. The questions presented are: 1. Whether the Ninth Circuit erred in holding, in direct conflict with the Second Circuit, that Hawaii may presumptively prohibit the carry of handguns by licensed concealed carry permit holders on private property open to the public unless the property owner affirmatively gives express permission to the handgun carrier? 2. Whether the Ninth Circuit erred in solely relying on post-Reconstruction Era and later laws in applying Bruen 's text, history and tradition test in direct conflict with the holdings of the Third, Fifth, Eighth and Eleventh Circuits? LOWER COURT CASE NUMBER: 23-16164

On today's Turn Down For Watt Podcast, we dive into the controversy surrounding the Donut Labs battery and ask the big question everyone is debating: Is it truly solid-state, or is it overhyped marketing bordering on a scam? We break down what solid-state really means, how it compares to current lithium-ion tech from CATL, BYD, and Tesla, and why battery terminology matters more than ever.We also unpack Ford's announcement that autonomy will arrive with its affordable universal EV platform in 2027, while examining the very real struggles Ford and the broader industry have faced with EV profitability. GM isn't alone in this pain, reporting a $1.7 billion EV loss last quarter and announcing another $6 billion write-off, while Jeep quietly canceled two plug-in models.At CES, one of the most under-the-radar stories came from Geely, the parent company of Zeekr, Volvo, Polestar, and Lynk & Co. With models like the Zeekr Z, 001, and 7X, plus their “Golden Brick” ultra-fast charging battery, we explore what it would mean if Zeekr begins U.S. production in South Carolina within 24–36 months—and how far behind U.S. automakers may be if current pullbacks continue.

In this episode of Watts In The News, I break down why the latest Donut Labs and Ford announcements from CES may be widely misunderstood. With claims around solid state energy storage, autonomous driving, and comparisons to FSD, Tesla, and NVIDIA, the internet has been quick to label these developments as hype or even scams. YouTubers like Electric Viking have raised serious doubts, while others compare Donut Labs to battery giants like CATL, BYD, and LG — but are those comparisons even valid?I explain why Donut Labs' technology may not be a traditional solid-state battery at all, but something closer to a carbon-based nano energy storage system — neither a classic SSB nor a supercapacitor. We also unpack Ford's CES announcement on Level 2 and Level 3 autonomous driving, why it's being incorrectly compared to Tesla's FSD and robotaxi ambitions, and what Ford actually intends for its affordable next-gen EV platform launching around 2027.This episode cuts through the noise, explains the technology in plain English, and separates real innovation from unrealistic expectations.

In this episode, host Sloan Simmons joins Title IX experts Sarah Fama and Sinead McDonough for a comprehensive discussion regarding the status of the law as it pertains to gender identity, students, and schools.  Topics covered include the current status of California and federal law and policy on point, as well as the wide-ranging scope of pending litigation poised to impact this area of school law. Show Notes & References 1:54 – Foundational cases impacting Title IX policy (Bostock v. Clayton County (2020) 140 S. Ct. 1731) (Client News Brief 50 - June 2020) 2:55 – Grabowski v. Arizona Board of Regents (9th Cir. 2023) 69 F.4th 1110 5:51 – Parents for Privacy vs. Barr (9th Cir. 2020) 949 F.3d 1210 (Client News Brief 40 - May 2020) 10:48 – Roe vs. Critchfield (9th Cir. 2025) 137 F.4th 912 (Client News Brief 14 - April 2025) 12:49 – Jones, et al. v. Critchfield, et al., Ninth Circuit Case No. 25-5413 13:44 – Regino vs. Blake (formerly Staley) (9th Cir. 2025) (Client News Brief 17 - April 2025) 14:57 – Assembly Bill (AB) 1266 20:00 – United States v. Skrmetti (2025) 605 U.S. 495 22:24 – The law in California 23:25 – CIF (California Interscholastic Federation) Rule 300D and Guidelines for Gender Identity Participation 24:36 – Interactions with federal law 25:56 – Executive Order (EO) 14168 (Client News Brief 12 - February 2025) 27:01 – Tennessee v. Cardona decision 28:29 – Dear Colleague letter - February 4, 2025 30:32 – Federal government's approach and reaction to CIF and AB 1266 (USDOE Press Releases: February 12, 2025; March 27, 2025; June 25, 2025) 34:00 – Related Supreme Court cases (Little v. Hecox, Case No. No. 24-38; West Virginia v. B.P.J., Case No. 24-43) 35:09 – T.S. et al. v. Riverside Unified School District et al., U.S.D.C., Central District of California, Case No. 5:24-cv-02480-SSS-SP, and order on motion to dismiss, (C.D. Cal. Sept. 24, 2025) 2025 WL 2884416 36:25 – Protections for student privacy and their interactions with parental rights 39:22 – Mirabelli vs. Olson et al.¸U.S.D.C., Southern District of California, Case No. 3:23-cv-00768-BEN-VET 40:00 – The SAFETY Act (AB 1955) 44:13 – The dynamic between the federal government and California post-AB 1955 enactment (United States of America v. California Interscholastic Federation et al., U.S.D.C., Central District of California, 8:25-cv-01485-CV-JDE) 50:26 – Foote v. Ludlow School Committee, Case No. 25-77 52:19 – Mahmoud v. Taylor (2025) 606 U.S. 522 (Listen to Episode 97 Mahmoud v. Taylor) (Client News Brief 28 - July 2025) 53:31 – Access to facilities 55:15 – Grimm v. Gloucester County School Board (4th Cir. 2020) 972 F.3d 586 56:06 – Million Dollar Question: Does Title IX protect individuals based on gender identity or not?   For more information on the topics discussed in this podcast, please visit our website at: www.lozanosmith.com/podcast

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Today we're digging into options trading for beginners, and we're keeping this thing as real and understandable as possible. No complicated lectures, no confusing jargon, just a straight walk through what options actually are and how traders use them without blowing up their accounts. Even if you're already trading, brushing up on the basics is one of the smartest habits you can have. The best performers always revisit fundamentals, and there's a reason for that.We'll talk through what makes options powerful, why most people get them wrong, and how focusing on liquidity, delta, and tight spreads completely changes the experience. Once you see how intrinsic and extrinsic value work in real examples, the whole idea of “deep in the money” starts feeling much more practical instead of mystical.Here's a quick snapshot of what we break down:✅ How call and put contracts really work, explained with simple, real world examples✅ Why intrinsic value is the part you want and extrinsic value is the part you want to minimize✅ How delta affects the speed and size of your option's move✅ Why deep in the money trades behave like leveraged shares✅ How to think about risk so you avoid the traps that wipe out most new tradersIf options have ever felt overwhelming, this session will give you that “finally makes sense” moment. You'll see how strike price, expiration, and liquidity come together in a plan that's built to protect you instead of relying on hope. And once you understand how the trends and signals guide the timing, you'll feel a lot more confident evaluating your next setup.Settle in for this one. It's packed with clarity that most traders never get early on, and it can completely change the way you look at leveraged trading.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

In Episode 292 of the Footballguys Fantasy Football Show, Dave Kluge and Alfredo Brown discuss different players to trade for based on your team's currently W/L record. Send your questions to fantasyshow@footballguys.com  

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Ever wonder how people trade options with just $1,000 in their account? Most traders think you need a big stack of cash to make real moves, but that's not the case at all. In this video, you'll see how small account traders can use simple, smart strategies to grow faster and trade with confidence, even when starting with a thousand bucks.We're diving into real examples using SoFi to show how 80-Delta options give you a serious advantage compared to those cheap, out-of-the-money options that lose value fast. You'll find out why going deep in the money can actually be a more efficient way to trade, and how to get the most out of every dollar you invest.Here's what you'll learn inside:✅ How to calculate intrinsic and extrinsic value so you never overpay again✅ Why 80-Delta options are often smarter than chasing cheap contracts✅ The golden rule of leverage and how breaking it can wreck your account✅ Why selling options sounds good but can backfire for small traders✅ How to use ATR (Average True Range) to roll trades like a proYou'll also see a side-by-side breakdown of a short put credit spread versus a deep in-the-money long call, and the results might surprise you. One trade caps your profit at 32 bucks, while the other can make up to seven times more with roughly the same $1,000 investment. It's proof that small adjustments can make a huge difference in your results.This video keeps things practical. No fancy jargon, no unnecessary complexity. Just straight talk on how to trade smarter. By the end, you'll understand:➡️ How to roll trades using ATR to reduce risk and keep your profits growing➡️ How to scale into better positions without adding more capital➡️ Why deep in-the-money calls can be your secret weapon➡️ How to manage your position size and risk when your account is smallEverything in this video ties into what's taught at OVTLYR University, where traders learn how to save time, make money, and start winning with less risk. It's all about real-world trading knowledge that helps you build skill, discipline, and confidence in every trade.So if you've ever said, “I'd trade if I just had more money,” this video will flip that belief upside down. You'll see that it's not about the size of your account. It's about knowing what you're doing and using smart strategies that work.Hit play, grab a notepad, and learn how to turn a small account into a serious trading tool.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

They're baaaaack! In-person depositions, that is. In this episode, Jim Garrity discusses two brand-new court rulings that reflect a growing trend among judges to enforce noticed in-person depositions of parties and key witnesses. It's a subtle but striking shift away from remote depositions, which took root during the COVID pandemic. Jim discusses the rulings in detail, as well as an interesting observation by an Illinois federal judge about the behavioral psychology that favors face-to-face confrontations. Finally, Jim offers practical guidance on arguments to make for and against remote depositions in your cases, including the two most powerful arguments to make when seeking an order requiring a deponent to appear in person.SHOW NOTESJames, et al. v. Thomas, Case No. 1:24-CV-00061-RGJ-LLK, 2025 WL 2945597 (W. D. Ky. Oct. 17, 2025) (denying motion for protective order sought by three plaintiffs - who reside in New York, New Jersey, and Florida - to avoid traveling to Kentucky for their depositions)Crutchfield v. Experience Information Solutions, Inc., et al., Case No. 25-CV-5697, 2025 WL 293-8760 (N. D. Ill. Oct. 16, 2025) (denying motion for protective order, filed by Florida-based plaintiff, that sought to avoid an in-person deposition in Chicago)

FONAREV - Digital Emotions # 891. 01. Ruben Karapetyan - Erectheum (Original Mix) 02. Dr. Mirzoyan - Destruction (Ruben Karapetyan Remix) 03. Ruben Karapetyan - Frequency Formula (Original Mix F13 Edit) 04. Taylan - Melting Walls (Ruben Karapetyan Remix) 05. Jerome Isma-Ae - Baharat (Ruben Karapetyan Remix) 06. Ruben Karapetyan - State of Progression 07. Ruben Karapetyan & Maze 28 - Cosmic Dot 08. Anton MAKe & Fonarev - Red Shift (Ruben Karpetyan Кemix) 09. Ruben Karapetyan - Synesthesia (Original Mix) 10. Yadek - Arrakis (Anton Make & Fonarev remix) 11. W/L

When a 30(b)(6) representative is deposed, the testimony is that of the organization, not of the individual answering the questions. However, in the heat of battle, it can be challenging to remember this distinction. Questions in 30(b)(6) depos that use words like "you" - and answers that use words like "I" or "me" - can blur the roles and lead an examiner to see the testimony as also being that of the witness individually. But it isn't. Psychologists refer to this confusion as an "attribution error," meaning that we may attribute the testimony to the wrong source.This confusion can be fatal to a claim if the representative is also a key witness individually and wasn't deposed separately. Today, Jim discusses a brand new court ruling where a federal judge dismissed a claim against an individual defendant (and key witness) who was only deposed as a 30(b)(6) deponent. The question there was, when a 30(b)(6) witness says “I,” who's really speaking—the individual or the entity? Learn how that 30(b)(6) deposition in Ademi wasn't enough to survive summary judgment, and what every litigator must do to avoid the same trap. Essential listening for anyone taking or defending corporate rep depositions.SHOW NOTESAdemi, et al. v. Central Park Boathouse, LLC, and Dean Poll, individually, No. 22-cv-8535 (S.D.N.Y. Sept. 23, 2025) (summary judgment granted in favor of individual defendant where plaintiff's counsel only deposed defendant in a 30(b)(6) capacity and, thus, had no testimony from the witness himself)Fed. R. Civ. P. 30(b)(6) (designated representative rule)King v. Pratt and Whitney, 161 F. R. D. 275 (S. D. Fla. Apr. 27, 1995) (rule governing representative depositions doesn't limit scope of questions that can be asked, beyond topic list); Joseph v. Chronister, et al, 2019 WL 8014505, Case No. 8:16-cv-274-T-35CPT (M. D. Florida January 29, 2019) (scope of designated-representative deposition is not strictly confined to topics set forth in notice; further noting the twin benefit of this type of deposition, being that it limits the number of people within a corporation to be deposed, and prevents bandying); See Marksberry v. FCA US LLC, 2021 WL 2142655, No. 19-2724 (D. Kan. May 26, 2021) (lawyers may object to topics as “outside the scope” of that listed on the 30(b)(6) notice, and such objections have been held to be permissible, but the witness “must nevertheless answer the question because Fed. R. Civ. P. 26(b) - not the deposition notice defines the scope of discovery”).

Join Chris Chavez, Eric Jenkins and Anderson Emerole as they recap all the highlights from Day 9 at the 2025 World Championships in Tokyo.Here's a full summary of day eight at the World Athletics Championships Tokyo 25, covering all key results and storylines:USA Sweeps Relays & Sets Records:Women's 4x100m – Gold & Sprint Treble for Jefferson-Wooden- Melissa Jefferson-Wooden joins Shelly-Ann Fraser-Pryce as the only women to win the 100m, 200m, and 4x100m at the same World Championships. USA clocked 41.75 to edge Jamaica (41.79), with Germany (41.87) earning bronze. The race also marked Fraser-Pryce's farewell, as she earned a final medal before retirement.Men's 4x100m – Dominant World Lead- Noah Lyles, Kenny Bednarek, Courtney Lindsey, and Christian Coleman ran 37.29 WL. Canada (37.55) took silver, Netherlands (37.81 NR) claimed bronze.Women's 4x400m – Championship Record- Sydney McLaughlin-Levrone anchored with a 47.82 split, bringing the team home in 3:16.61 CR. Beat their own 1993 record. Jamaica and Netherlands rounded out the podium.Botswana Men's 4x400m – Stuns USA in Thrilling Finish- Anchor Collen Kebinatshipi outkicked Rai Benjamin on the home straight.- All three podium teams (Botswana, USA, South Africa) clocked under 2:58.Individual Champions and Big Moments:Cole Hocker – 5000m Redemption- Just six days after a controversial DQ in the 1500m, Hocker surged late to win in 12:58.30. Beat Belgium's Isaac Kimeli and France's Jimmy Gressier in a tactical but fast finish.Lilian Odira – 800m Champion with a Historic Time- Closed hard to win in 1:54.62 CR, breaking the oldest championship record. First time three women broke 1:55 and five went under 1:56. Silver: Georgia Hunter Bell (GBR), Bronze: Keely Hodgkinson (GBR).Leo Neugebauer – Decathlon Gold- Won with 8804 points, following a massive 64.34m PB in the javelin. Took lead from long-time leader Kyle Garland before holding off Ayden Owens-Delerme (PUR).Nicola Olyslagers – High Jump Gold- Cleared 2.00m in rainy conditions to edge out Maria Zodzik (POL) on countback. Bronze shared between Mahuchikh (UKR) and Topic (SRB) – both at 1.97m.Daniel Stahl – World Discus Hat-Trick- Won his third World title with a clutch 70.47m final-round throw. Denied Mykolas Alekna (LTU) a maiden global gold; Alex Rose won Samoa's first-ever medal (66.96m).____________PRESENTED BY ASICSFor the third consecutive year, CITIUS MAG is proud to partner with ASICS for our global championship coverage. With their support, we're able to bring you the best coverage of the 2025 World Athletics Championships. Support our sponsor and check out ASICS's latest including the MegaBlast and SonicBlast. Shop at ASICS.com____________Hosts: Chris Chavez | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@chris_j_chavez on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ + Mac Fleet |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠@macfleet on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ + Eric Jenkins | ⁠⁠⁠⁠⁠⁠⁠⁠_ericjenkins on Instagram⁠⁠⁠⁠⁠⁠⁠⁠ + Anderson Emerole | ⁠⁠⁠⁠⁠⁠⁠⁠@atkoeme on Instagram⁠⁠⁠⁠⁠⁠⁠⁠ + Mitch Dyer | ⁠⁠⁠⁠⁠⁠⁠⁠@straightatit_ on Instagram⁠⁠⁠⁠⁠⁠⁠⁠ + Paul Hof-Mahoney | ⁠⁠⁠⁠⁠⁠⁠⁠@phofmahoney on Instagram⁠⁠⁠⁠⁠⁠⁠⁠Produced by: Jasmine Fehr |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠@jasminefehr on Instagram

Routine vaginal examinations (VEs) are a standard component of intrapartum care, traditionally performed at regular intervals to monitor cervical dilation, effacement, and fetal station, which are indicators of labor progression. Yet, the American College of Obstetricians and Gynecologists states that there is insufficient evidence to recommend a specific frequency for cervical examinations during labor, and examinations should be performed as clinically indicated. Now, a recently published RCT form AJOG MFM is adding additional credence to that. Can we space out clinical exams in otherwise “low-risk” laboring women to 8 hours? Listen in for details. 1. AJOG MFM: (08/18/25) Routine Vaginal Examination Scheduled At 8 vs 4 Hours In Multiparous Women In Early Spontaneous Labour: A Randomised Controlled Trial https://www.sciencedirect.com/science/article/abs/pii/S25899333250016122. Nashreen CM, Hamdan M, Hong J, et al.Routine Vaginal Examination to Assess Labor Progress at 8 Compared to 4 h After Early Amniotomy Following Foley Balloon Ripening in the Labor Induction of Nulliparas: A Randomized Trial. Acta Obstetricia Et Gynecologica Scandinavica. 2024;103(12):2475-2484. doi:10.1111/aogs.14975.3. First and Second Stage Labor Management: ACOG Clinical Practice Guideline No. 8. Obstetrics and Gynecology. 2024;143(1):144-162. doi:10.1097/AOG.0000000000005447.4. Moncrieff G, Gyte GM, Dahlen HG, et al. Routine Vaginal Examinations Compared to Other Methods for Assessing Progress of Labour to Improve Outcomes for Women and Babies at Term. The Cochrane Database of Systematic Reviews. 2022;3:CD010088. doi:10.1002/14651858.CD010088.pub3.5. Gluck, O., et al. (2020). The correlation between the number of vaginal examinations during active labor and febrile morbidity, a retrospective cohort study. [BMC Pregnancy and Childbirth]6. Pan, WL., Chen, LL. & Gau, ML. Accuracy of non-invasive methods for assessing the progress of labor in the first stage: a systematic review and meta-analysis. BMC Pregnancy Childbirth 22, 608 (2022). https://doi.org/10.1186/s12884-022-04938-y

Chris Chavez and Preet Majithia unpack the biggest highlights from the London Diamond League last weekend. Some of the top performances include:- Phanuel Koech continued his meteoric rise with a victory over defending World champ Josh Kerr, winning the 1500m in 3:28.82. Kerr was 2nd in a SB of 3:29.37.- Gudaf Tsegay made history in the most daring way possible, taking the women's mile out in 59 seconds to solo a 4:11.88, an Ethiopian record and the second fastest time in history behind Faith Kipyegon's world record.- Jessica Hull became only the eighth woman in history under 4:15 in the mile with a 4:13.68 runner-up finish, landing at #6 on the all-time list.- Sinclaire Johnson lowered her mile PB from 4:23.58 to a national record of 4:16.32.- Running into a tough headwind for the 3rd race in a row, Julien Alfred came away with a PB and WL over 200m in 21.71.- Oblique Seville dominated a stacked 100m field, running 9.86 into a headwind as the only man to break 10 on the day. Olympic champion Noah Lyles ran 10.00 for 2nd in his first 100m of the season.Hosts: Chris Chavez | ⁠@chris_j_chavez on Instagram + Preet Majithia | @preetmajithia on InstagramProduced by: Jasmine Fehr | @jasminefehr on InstagramMentioned in this episode…Read: U.S. Outdoor Track and Field Championships: Entry ObservationsWatch: London Diamond League post-race interviewsListen: Off The Rails: Big Week For Cheaters! First Astronomer CEO and then Ruth Chepngetich – We Have Thoughts!SUPPORT OUR SPONSORSOLIPOP: Olipop is a prebiotic soda that tastes like a throwback to your favorite childhood drinks, but it's loaded with benefits that your body will thank you for. Each can has 2-5g of sugar, 6-9g of fiber, and a science-backed formula designed to help you support your digestive health. They've got plenty of flavor options like Classic Root Beer, Crisp Apple, Grape, Cream Soda and wild hits like Peaches and Cream. You can grab Olipop at Target, Whole Foods, and Walmart or you can go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DrinkOlipop.com and use promo code CITIUS25 at checkout for 25% off all of your orders⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.NEW BALANCE: The FuelCell Rebel v5 was built to feel fast—and look the part. With a sleek, race-inspired mesh upper and lightweight PEBA/EVA foam blend, it offers a responsive, energetic ride that's ideal for everything from steady miles to speedwork. A redesigned heel and added forefoot rubber provide comfort and traction, making this your go-to for runs when you want to pick up the pace. The Rebel V5 shows up every time. ⁠⁠Find the New Balance FuelCell Rebel v5 at newbalance.com or your local running shop today.⁠⁠PILLAR PERFORMANCE: We all know that sleep is where the magic happens. That's when your body is rebuilding – but getting into those deeper stages of sleep is what makes the difference between just going to bed and actually recovering. Just mix in a scoop of water about 30 to 60 minutes before bedtime. It's simple, it's clean, it's vegan, and NSF certified. If you're someone who takes their training and recovery seriously, this is something worth trying. Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠pillarperformance.shop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or if you're in North America, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thefeed.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use code CITIUS for 15% off your first purchase.