Core Concept - 6th and I synagogue in DC is offering advice and support from Jewish grandmothers ("Bubbies") to those feeling lost or confused [2] - The "What would Bubby do?" program provides a non-judgmental, empathetic, and experienced perspective [1][3] Key Attributes of Bubbies - Bubbies offer a soft shoulder, empathy, and a listening ear, unlike technology [2][3] - They provide perspective based on experience and "hutzpah" (Yiddish bravado) rooted in 5,000 years of history [2][3] - Bubbies encourage individuals to trust their gut, take leaps, and find what's good [3][4][5] Topics Addressed - Bubbies offer guidance on careers, love, and life in general [4] - They emphasize that mistakes are learning experiences [4] Call to Action - The program encourages people to take chances and pursue solutions [4][5]

Core Viewpoint - The content emphasizes the importance of conducting personal due diligence and consulting with competent advisors before making any financial decisions, particularly in the context of investments in complex instruments like cryptocurrencies and CFDs [1]. Group 1 - The website provides general news, personal analysis, and third-party materials intended for educational and research purposes [1]. - It explicitly states that the information should not be interpreted as a recommendation or advice for investment actions [1]. - The accuracy and reliability of the information are not guaranteed, and users are cautioned against relying solely on the content provided [1]. Group 2 - The website discusses the high risks associated with cryptocurrencies and CFDs, highlighting that they are complex instruments with a significant potential for financial loss [1]. - It encourages users to conduct their own research and fully understand the workings and risks of any financial instruments before investing [1].

Youth Guidance and Development - The report emphasizes the importance of guiding youth while also respecting their individual voices and passions [4] - It highlights the need for democratic interaction between youth and their advisors, including parents and teachers [5] - The analysis suggests that a significant portion of India's population (65%) is under 35 years old, presenting a demographic dividend if the youth are properly guided and prepared for nation-building [5][6] - The report cautions against destructive competition, advocating for collaborative efforts and capitalizing on individual strengths [13][16] Digital Influence and Information Analysis - The document points out that the digital space, particularly social media, is a powerful guiding force for youth, potentially more influential than family [7] - It notes that in January 2025, 86 million individuals in India were using the internet, representing 553% of the population [8] - The report introduces the concept of "social media university" (SMU) and warns about the simulated version of reality (simulacrum/hyperreality) presented on social media [10][11] - It stresses the importance of content analysis over content creation, urging youth to critically evaluate information before accepting it [13] Emotional Intelligence and Holistic Development - The analysis underscores the significance of emotional quotient (EQ), communication skills, passion, and compassion in professional success [19][20][21] - It references ancient scriptures to promote collaborative effort, happiness, and a healthy ecosystem [17][18] - The report advocates for meaningful and mindful volunteering to foster emotional quotient and understanding of diverse communities [23] - It encourages individuals to believe in their potential, pursue their passions, and avoid comparing themselves to others [24][28]

Career Journey & Guidance - Speaker emphasizes the importance of patience and obedience to parental guidance in shaping their destiny [1][11] - Speaker's career path involved multiple shifts in location and field of study, including economics, Islamic banking and finance, and risk management [1][2] - Speaker highlights the challenges of returning to Nigeria after living abroad for 11 years, including job searching and completing the NYSC program [3][4] - A chance encounter led to a job offer at Sterling Bank, marking a turning point in the speaker's career [7][8][9] - Speaker joined AFC, an organization with a $15 billion portfolio, and emphasizes its relative obscurity [10] Education & Cultural Experiences - Speaker attended American University of Sharjah, describing it as a top university in the Middle East and Northern Africa [1] - Speaker experienced cultural shock moving from the Middle East to Birmingham, UK for further studies [2] - Speaker studied at Aston University and University of Southampton in the UK, excelling academically [2][3] Personal Development & Values - Speaker highlights the importance of discipline and parental guidance in navigating personal freedom during university years [2] - Speaker emphasizes the role of faith and obedience in receiving opportunities and blessings [2]

Financial Data and Key Metrics Changes - For Q3 2025, funds from operations (FFO) were $0.49 per diluted share, slightly above internal projections, supported by leasing progress and disciplined expense management [3][14] - Total revenue for the quarter was $110 million, with net income attributable to common stockholders at $0.07 per diluted share [14] - Same-store cash NOI combined decreased by 0.8% compared to Q3 2024, reflecting a transition year [15] Business Line Data and Key Metrics Changes - The office portfolio ended the quarter 82% leased, with same-store office NOI increasing by 3.6% compared to Q3 2024 [4][15] - The retail portfolio was 98% leased, with same-store retail NOI declining by 2.6% due to credit-related rent losses [7][16] - The multifamily portfolio's same-store NOI declined by 8.3%, impacted by supply headwinds in San Diego [9][16] Market Data and Key Metrics Changes - The broader economic backdrop remains mixed, with interest rates stabilizing and inflation moderating but still above long-term targets [4] - Retail availability remains near record lows nationally, with asking rents continuing to rise [7] - In San Diego, multifamily occupancy improved to 94% leased, with recent leasing momentum noted [9] Company Strategy and Development Direction - The company focuses on owning irreplaceable coastal assets and maintaining a strong balance sheet, emphasizing long-term value creation [3][4] - The strategy includes converting leasing momentum into signed leases and sustaining positive leasing spreads across office and retail sectors [12] - The company is optimistic about capturing demand in healthy office submarkets, particularly with new developments like La Jolla Commons Tower 3 [6][10] Management's Comments on Operating Environment and Future Outlook - Management acknowledges a mixed economic environment but remains confident in the long-term fundamentals of their assets [4][16] - There is optimism regarding leasing activity and potential recovery in tourism, particularly in Hawaii, as outbound travel trends improve [11][17] - The company anticipates raising its full-year 2025 guidance range to $1.93 to $2.01 per FFO share, reflecting year-to-date performance [19] Other Important Information - The board approved a quarterly dividend of $0.34 per share for Q4, payable on December 18 [13] - The company has total liquidity of approximately $539 million, with a net debt to EBITDA ratio of 6.7 times [18] Q&A Session Summary Question: Update on leasing pipeline for La Jolla Commons Tower 3 and One Beach Street - Management noted increased activity and signed leases with an international bank, indicating positive momentum towards stabilization [22][23] Question: Known move-outs for 2026 - Management forecasted about 180,000 square feet of potential move-outs but expressed confidence in strong leasing activity to offset this [26] Question: Current leverage profile and plans to reduce it - Management outlined plans to lease up One Beach Street and La Jolla Commons Tower 3 to improve leverage ratios, aiming for a net debt to EBITDA ratio below 6 times [28][29] Question: Multifamily segment performance and expectations - Management expects stability to improve as supply is absorbed and expenses normalize, with recent leasing success noted in San Diego [34][38] Question: Active tenant industries in the office market - Management highlighted a strong interest from AI-driven companies and law firms, indicating a flight to quality in leasing trends [40][41]

Market Sentiment & Earnings Season Outlook - The market anticipates volatility surrounding the Magnificent 7 earnings releases, with sentiment being a key driver [2][3][4] - Focus is shifting from spending to profitability, particularly looking ahead to 2026 [4] - The market needs "Goldilocks" capex from the Mag 7, indicating a desire for increased capital expenditure with high returns [5][6] Areas of Froth & Speculation - Froth exists in profitless companies and hyper-growth proxies, but not necessarily in the Mag 7 [7] - Speculation is evident in areas like gold miners and nuclear energy [8][14] - Many stocks are up 100% or more in 6 months [7] Individual Stock & Sector Performance - Genova's stock reaction to good earnings is not necessarily a negative sign, especially considering its 100% year-over-year increase [10][11] - Verdive's strong performance (revenue up 28%, operating margins beat by 200 basis points, orders up 60%) highlights the potential disconnect between fundamentals and stock reaction [12] - Industrial companies like Eaton, Quanta Services, and Rockwell are attractive long-term investments [14] AI & Data Center Growth - Data center spending is expected to grow significantly (potentially 100% in the next 18 months), making exposure to related stocks desirable [9]

Earnings Performance - United's Q3 earnings beat expectations at $2.78 per share, exceeding the street's expectation of $2.63 [1][4] - Q3 revenue was slightly below expectations at $15.22 billion, compared to the street's expectation of $15.32 billion [1] - Pre-tax margin for the quarter was 8% [1] - United projects Q4 earnings between $3 to $3.50 per share, while the street expects $2.87 [3][4] - Full year earnings are projected to be towards the high end of the reduced guidance of $9 to $11 per share [4] Revenue Analysis - Revenue per seat mile decreased by 4.3%, while cost per seat mile decreased by 0.9% [1] - Domestic revenue per seat mile decreased by 3.3% in Q3, and international revenue per seat mile decreased by 7.1% [2] - Premium revenue increased by 6%, basic economy revenue increased by 4%, and loyalty revenue increased by 9% [2]

All right, let's get you C3AI's results. I want to remind you that there was a pre-announcement about three weeks ago uh with disappointing revenue numbers. The stock was down on that.Here we have C3AI reporting uh Q1 revenues of 70 uh million versus uh the 95 million expected, an adjusted loss of uh 37 cents versus a 20 cent loss expected. And then on the guide, which is important here, uh, because of that pre-announcement, guiding a Q2 revenue of 72 to80 million versus the prior expectation of $101 millio ...

Company Performance - Flutter's Q2 2025 earnings were discussed [1] - Full year guidance was raised [1] Business Growth - iGaming experienced growth [1] - International business showed strength [1]