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PODCAST

The Higher Standard

Chris Naghibi & Saied Omar

Welcome to the Higher Standard Podcast, where we give you ultra-premium, unfiltered truth when it comes to building your wealth and curating the lifestyle of your dreams. Your hosts; Chris Naghibi and Saied Omar here to help you distill the immense amount of information and disinformation out there on the interwebs and give you the opportunity to choose a higher standard for yourself. Sit back, relax your mind and get ready for a different kind of podcast where we elevate your baseline with crispy

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All Episodes

01:13:38

Expectations Blown Away, Record Consumer Debt and...

The Higher Standard ·

2023/02/21

Retail sales rose far more than expected in January as consumers persevered despite rising inflation pressures. According to the report by the COmmerce Department, advance retail sales for the month increased 3%, compared with expectations for a rise of 1.9%. Excluding autos, sales rose 2.3%, which is not adjusted for inflation. The ex-autos estimate was for a gain of 0.9%.In this episode of The Higher Standard, Chris and Saied examine this news and try to determine what effect it will have on the

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01:43:12

The Next Shoe To Drop, Crypto Restrictions and...

The Higher Standard ·

2023/02/17

So it's finally happened. The Federal Reserve Board warned member banks that it intends to presumptively prohibit a large portion of cryptocurrency banking activity, as the demand for more guidance over digital assets has grown following rampant instances of fraud. The regulator issued a new policy largely prohibiting digital assets from the regulated banking environment, primarily due to security concerns.In this episode of The Higher Standard, Chris and Saied examine this news and try to determine

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01:10:49

The Fed Pivots, Disney to Yahoo and Saied is Going to...

The Higher Standard ·

2023/02/14

Ian Shepherdson, founder and chief U.S. economist of Pantheon Macroeconomics, believes that home prices may fall another 15% in 2023, citing the large disparity between property costs and buyer incomes. He predicted the eventual housing crash of 2008 in 2005 and recently suggested that the price-income gap, coupled with increased house supply and high mortgage rates, may precipitate a period of continued deceleration of the housing market rather than a significant rebound this year.In this episode

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01:27:43

Jobs Report Crushes Dreams, China Spying and Toilets,...

The Higher Standard ·

2023/02/10

Employers added more jobs in January than expected, while the unemployment rate fell to a 53-year low, underscoring the resilience of the labor market despite the Fed's aggressive tightening campaign. ⁣ Nonfarm payrolls increased 517,000 last month after an upwardly revised 260,000 gain in December. The figure beat all estimates from economists, who called for a 188,000 gain in payrolls. The unemployment rate dropped to 3.4%, the lowest since May 1969, and average hourly earnings grew at steady

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01:27:20

The Fed Bumps, Job Openings Surge, ChatGPT and Seattle

The Higher Standard ·

2023/02/07

Real estate brokers across the country are using ChatGPT to pen emails and write property listings. The AI chatbot ChatGPT has made waves in sectors from tech to media since it launched to the public two months ago. As the AI software grows in popularity, people are finding more and more creative ways to put the tech to use — including making it write flowery descriptions for real estate listings. As the technology emerges as a tool for realtors, some experts say AI is well on its way to becoming an

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01:30:59

Crypto Banks, Amateurs are Beating Wall Street and...

The Higher Standard ·

2023/02/03

According to an index of building occupancies in 10 major metro areas by security firm Kastle Systems, more than half of workers went to the office last week, the first time that return-to-office rates crossed 50% of their pre-pandemic levels. All of the cities tracked by the company — including San Francisco, Chicago and Austin, Texas — reached return-to-office levels of 40% or above, which was also a post-pandemic first.In this episode of The Higher Standard, Chris and Saied examine this and many

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01:19:41

More Art Than Science, Utah Stumbles and Paper Ass...

The Higher Standard ·

2023/01/31

According to the Mortgage Bankers Association’s seasonally adjusted index, mortgage interest rates fell for the third straight week, while mortgage demand also rose again. Total application volume increased 7% last week compared with the previous week. The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($726,200 or less) decreased to 6.2% from 6.23%, with points increasing to 0.69 from 0.67 (including the origination fee) for loans with a 20% down

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01:12:25

The US Balls Too Hard, Layoffs on the Rise, Disney...

The Higher Standard ·

2023/01/27

The job cuts in the tech industry continue to pile up. Google announced plans to lay off 12,000 people from its workforce, while Microsoft said that it’s letting go of 10,000 employees. Amazon also began a fresh round of job cuts that are expected to eliminate more than 18,000 employees and become the largest workforce reduction in the e-retailer’s 28-year history. The layoffs come in a period of slowing growth, higher interest rates to battle inflation, and fears of a possible recession next

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01:14:23

Crypto, BNPL, AMEX Crushes it and Chris Hates Shark Tank

The Higher Standard ·

2023/01/24

The SEC are suing two crypto brokerages - Genesis Global Capital and Gemini Trust Co. - for breaking securities rules. The SEC says that the firms illegally raised billions of dollars from hundreds of thousands of investors through the so-called Gemini Earn program. That product, which let customers loan out their assets in exchange for interest payments, amounted to the offering of unregistered securities. Gemini launched Earn in February of 2021, with the idea of offering users passive returns on

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01:22:10

Inflation, Optimism, the World Bank and Eggs Will...

The Higher Standard ·

2023/01/20

Following a spike at the end of 2022, mortgage rates dropped sharply last week, driving demand from current homeowners hoping to save on their monthly payments, though it failed to excite potential homebuyers. The Mortgage Bankers Association’s seasonally adjusted index is reporting that the total mortgage application volume rose 1.2% last week compared with the previous week. The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances decreased to 6.42% from

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01:12:04

Andy Tran | A Career Born from YouTube

The Higher Standard ·

2023/01/17

In today's episode of The Higher Standard, Chris and Saied sit down with Andy Tran, photographer, YouTuber and owner of Andy's Cuts Barbershop, a classic barbershop specializing in modern and old-school haircuts, based out of Fountain Valley, California.Andy explains his path to creating Andy's Cuts, from running down a YoutTube 'rabbit hole' looking for hairstyle inspiration to finally deciding to enter barber college and learn to do it for himself.They discuss the now-famous 10,000 hour rule, and

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01:19:17

Job Growth is Changing, Used Car Prices are Dropping...

The Higher Standard ·

2023/01/13

Technology-driven companies across industries have been laying off workers at the fastest pace since the Covid-19 pandemic shocked the global economy in 2020. Employers in the tech sector cut more than 150,000 jobs in 2022, based on estimates from Layoffs.fyi.That figure compares with about 80,000 layoffs in March-December 2020 and 15,000 in all of 2021.In this episode of The Higher Standard, Chris and Saied examine this latest news and offer some insights as to the effects it will have on the

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01:14:26

Good News we are in Slowcession, Banks are Challenged...

The Higher Standard ·

2023/01/10

The idea that rates could come down in 2023 appears to be wishful thinking, according to minutes released from the Federal Reserve's December meeting. At a meeting where policymakers raised their key interest rate another half a percentage point, they expressed the importance of keeping restrictive policy in place while inflation holds unacceptably high. The increase ended a streak of four consecutive three-quarter point rate hikes, while taking the target range for the benchmark fed funds rate to

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01:22:59

The Big Short 2.0, Fake Followers Can Get You...

The Higher Standard ·

2023/01/06

Ten years. That's how long we can expect to see sluggish growth in the global economy, at least according to Daniel Lacalle, author and chief economist at Tressis Gestion. Events such as Russia’s invasion of Ukraine and China’s persistent zero-Covid measures have sent shockwaves through economies around the world, sending inflation soaring and weakening activity. The IMF now projects that global GDP growth will slow from 6% in 2021 to 3.2% in 2022 and 2.7% in 2023. The Fund called it “the weakest

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01:32:39

Personal Savings Plunged, Consumer Spending Slammed...

The Higher Standard ·

2023/01/03

During the early days of the pandemic, Americans were receiving stimulus checks from the government, and as a result were able to save quite a bit of money. However, according to data from the Federal Reserve Bank of St. Louis, the personal savings of Americans is only $520 billion as of November 2022, marking a substantial drop from the $4.85 trillion in 2020. Savings are now below even pre-pandemic levels and with the national stockpile shrinking by $100 billion since October. Thanks to persistent

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01:16:53

Q&A Gone Wild

The Higher Standard ·

2022/12/30

The listeners have questions, and Chris and Saied are here with answers! This time out, the boys are answering burning questions submitted by the audience. At the end of the show, Chris and Saied choose their favourite question out of the ones submitted and award the lucky listener a $100 prize!In this episode, Chris and Saied examine the continuing aftermath of the FTX collapse, speculating as to why disgraced CEO Sam Bankman-Fried was allowed to return to his parent's home.They discuss the pros

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01:03:15

Caroline Ellison Does SBF Dirty, SBF Goes Home and...

The Higher Standard ·

2022/12/27

The FTX drama continues. Co-founder Gary Wang and former Alameda Research co-CEO Caroline Ellison have both pleaded guilty to federal charges. Wang pleaded guilty to conspiracy to commit wire fraud, wire fraud, conspiracy to commit commodities fraud and conspiracy to commit securities fraud. Ellison pleaded guilty to two counts of wire fraud, two counts of conspiracy to commit wire fraud, conspiracy to commit commodities fraud, conspiracy to commit securities fraud and conspiracy to commit money

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01:03:56

The Big One Hundro Episode

The Higher Standard ·

2022/12/23

Cisco is the latest tech company to implement mass layoffs, specifically 4100 employees, nearly 5% of its workforce. These layoffs were anticipated, but which employees would be affected was unknown. Even though these tech layoffs are massive for the industry, they’re not representative of the job market at large. Instead, they’re symptomatic of the strange circumstances present in our current economy. At the same time, Cisco has been actively hiring for new roles. The company says this is part of a

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01:06:48

What to Expect in 2023 and Never Trust a Man With...

The Higher Standard ·

2022/12/20

The Federal Reserve has raised its target federal funds rate by 0.5 percentage points in a continued effort to cool inflation. While this is a more typical hike compared to the 0.75 percentage point moves at each of the last four meetings, the central bank is far from finished, at least according to Greg McBride, chief financial analyst at Bankrate.com. Whether directly or indirectly, higher Fed rates influence borrowing costs for consumers and, to a lesser extent, the rates they earn on savings

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01:08:10

SBF, CPI, PPI, UFC and PJs - We've Got All the Acronyms

The Higher Standard ·

2022/12/16

The FTX drama continues. The crypto business' founder, Sam Bankman-Fried, has been arrested by Bahamian authorities after the United States Attorney for the Southern District of New York shared a sealed indictment with the Bahamian government, setting the stage for extradition and U.S. trial for the one time crypto billionaire at the heart of the cryptocurrency exchange’s collapse. His arrest is being called the first concrete move by regulators to hold individuals accountable for the

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299 results

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