Podcasts about accelerated

In this episode of the Scrum.org Community Podcast – Value Delivered Series, host Dave West is joined by Carmit Ophir, Senior Director at StoreDot, and Professional Scrum Trainer Michal Epstein to explore how StoreDot leveraged Professional Scrum to tackle the complex challenges of developing ultra-fast-charging batteries for electric vehicles.Faced with low collaboration and siloed teams of chemists, engineers, and system experts, StoreDot turned to Scrum to foster transparency, cross-functional teamwork, and faster feedback loops. The results? Accelerated innovation, milestones delivered ahead of schedule, and a cultural shift driven by leadership support and a commitment to continuous improvement.Whether you're navigating R&D in a highly technical space or looking to drive transformation in your organization, this conversation is full of insights and practical advice. Key Takeaways:Why R&D teams can embrace agilityThe importance of leadership support in Scrum adoptionHow a culture of feedback and experimentation accelerates value delivery Tune in to hear how StoreDot is literally charging ahead with Scrum.

In this episode of Validated, host Austin talks with Chaofan Shou about building Solayer, high-performance side chain for Solana. Chaofan describes the specifics of Solayer's hybrid model, which sits between a traditional Layer 1 and Layer 2, offering faster execution environments for market makers and reducing high priority fees. They get into its technical architecture, including the use of specialized hardware like FPGA and SDN for optimized transaction processing and state management. The conversation also touches on their plans for ecosystem development, particularly within the DeFi and gaming sectors, and addresses the balance between scalability and decentralization.  

Canada Immigration Provincial pick for Accelerated Tech Pathway by Alberta on 22 April 2025    | Good day ladies and gentlemen, this is IRC news, I am Joy Stephen, a certified Canadian Immigration practitioner, and I bring to you this Provincial Pick from the province of Alberta. This recording originates from the Polinsys studios in Cambridge, Ontario. |  Alberta selected potential PNP nominees under Accelerated Tech Pathway on  22 April 2025.  Additional Infor and News release by province: Alberta selected potential provincial nominees under Alberta Express Entry Stream – Accelerated Tech Pathway, This is the news release by the province:   Draw date : April 22, 2025 Minimum score of invited candidates : 71 Number of invitations :22 Worker stream, pathway, initiative or other focus and selection parameters :Alberta Express Entry Stream – Accelerated Tech Pathway  | You can always access past news from the Province of Alberta by visiting this link: https://myar.me/tag/ab/. Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  

My guest today is David Harkin, CEO and Founder of 8billionideas, which has impacted over 500,000 students in 26 countries. David is a two-time TEDx speaker, author of 'The Ripple Effect', and was ranked 8th globally by ISC Research for his contributions to the education sector in 2022. Before entering education, David was an IBM executive and was the youngest globally to receive their CEO award. In our conversation, we explore:The difference between entrepreneurship and entrepreneurial mindsetWhy school leaders should embrace a "principalpreneur" approachHow to create a culture that encourages innovation at all levelsThe three types of innovation every school needsDavid's concept of being "brilliantly busy" and what it means for leadersWhy leadership is harder than ever before in 2025The importance of transferring ideas across schools internationallyKey insights:Entrepreneurial mindset vs entrepreneurship: "Entrepreneurship is hugely misunderstood, firstly by using the word entrepreneurship and forgetting the second word entrepreneurship mindset. That's what we really need to be talking about in education."Schools as businesses: "Every school on the planet is a business, but in the business of world-class education."Three types of innovation:Transformational (major strategic initiatives)Accelerated incremental change (medium-sized projects)Incremental improvements (small, everyday gains)On modern leadership: "Leadership is harder than ever before because of the accessibility of you."Creating a culture of action: "Try and build a culture of action and then ask for forgiveness... If it's a good idea, don't ask me if you should be doing it. Just get on with it." David's outlook for education is optimistic: "The next decade is the most important decade in educational history...never before have we had the opportunity to transfer lessons as quickly as we possibly can and collectively make change."Links mentioned in this episode:8billionideasDavid's book: The Ripple Effect"Checklist Manifesto" by Atul Gawande Episode PartnerThe International Curriculum Association: Learn moreThank you for tuning in, and if you found this episode useful, please share. You can find me on LinkedIn and Bluesky.Shane Leaning, an organisational coach based in Shanghai, supports international schools globally. Passionate about empowering educators, he is currently co-authoring 'Change Starts Here.' Shane has extensive experience in the UK and Asia and is a recognised voice in international education leadership. Learn more at shaneleaning.com. Hosted on Acast. See acast.com/privacy for more information.

David Worldon is the Founder of Accelerated Innovation, a boutique management consultancy specialising in insurance innovation. Last year they  saved  Australia's largest insurers half a million dollars in fees and shaved a full year off their growth timelines. David has recently published the 2025 General Insurance Innovation Report, assessing and ranking how Australia's largest insurers are innovating to address key industry challenges such as climate change, underinsurance, and rising premiums. His goal is to save leaders $20m in fees and 40 years of waiting to get shit done. David is also the host of Accelerated Innovation's Innovation Insider podcast, which is available at https://acceleratedinnovation.com.au/innovation-insider/ Episode SummaryThe video features a discussion centered around the Australian insurance market, highlighting its unique dynamics, challenges, and opportunities for innovation. Here are the key points: Market Dynamics: The Australian insurance market is characterized by a high level of concentration, with a significant portion of the market share held by a few major players. This concentration influences competition and innovation within the industry. Regulatory Environment: The industry is highly regulated, with recent interventions aimed at addressing systemic issues, particularly following a Royal Commission that scrutinized the sector for malpractice. This has led to a culture of risk aversion among insurers. Innovation Focus: There is a growing emphasis on innovation, particularly in risk mitigation and preparing for natural disasters. Insurers are shifting their strategies to not only rebuild after disasters but to enhance infrastructure and resilience for future events. Collaboration and Growth: Insurers are beginning to collaborate more effectively with each other and with government entities to address challenges such as underinsurance and protection gaps. This collaborative approach is seen as a pathway to strengthening the market. Future Outlook: The discussion suggests a positive outlook for the next five to ten years, with expectations of increased appetite for risk and innovation. The market is viewed as ripe for new entrants, particularly global digital players, which could disrupt traditional distribution models. Personal vs. Commercial Lines: Innovation is more pronounced in personal lines of insurance, particularly through direct sales channels. The commercial lines are slower to innovate, focusing primarily on enhancing broker experiences. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

At the 2025 Ligonier National Conference, Dr. Alan Strange and Dr. John Tweeddale, Academic Dean of Reformation Bible College, discussed the accelerated program partnership between our institutions.

Confidence is not the reward waiting at the finish line of achievement—it's the fuel that propels you toward your goals. In this eye-opening exploration of our relationship with self-assurance, I dismantle the dangerous myth that confidence arrives after success, credentials, or external validation.Drawing from both personal experience and insights from working with high-achievers, I reveal how my own confidence would vanish when surrounded by seven-figure entrepreneurs despite having a doctorate and multiple certifications. This phenomenon exposes the true nature of confidence: it's not about what you've accomplished, but where you place your attention. When we fixate on comparing ourselves to others, we create a moving target that keeps confidence perpetually out of reach.The transformative insight here is that you already possess everything required for genuine confidence. Through brain-based tools and strategic attention redirection, you can neutralize the mental blocks and negative thought loops that trigger confidence loss. This isn't just about feeling better—it fundamentally changes how you show up for opportunities, allowing you to stand in your power without armor against rejection or criticism. The result? Accelerated success with less effort and struggle.Ready to break free from the confidence myth and access the self-assurance already within you? The Rewired to Thrive program offers a systematic approach to reprogramming these limiting patterns. Visit my www.reanamulcahy.com to join the priority list. Remember, your capacity for confidence isn't waiting on your next achievement—it's waiting on your next thought.Have a question that you want answered on the show? Send us a text!Connect with me on social: Facebook or Instagram!Like this episode? Share it in your stories and tag me @dr.reanamulcahyLove the show? Leave a 5-star review, and let me know what was most helpful for you.Discover more ways I can support you in breaking the burnout cycle. Visit my website.

In this episode of the Women in Corporate Podcast, host Olawunmi Brigue interviews Nadine Adankwa, a business consultant with a passion for startups and entrepreneurship. Nadine shares her journey from aspiring to be a lawyer, influenced by her upbringing and early interests, to finding her true calling in consulting, detailing the pivotal moments and key decisions that shaped her career.She emphasises the importance of preparation, networking strategies - and the practical steps she takes to connect with people in professional settings - and leveraging both personal and professional traits to succeed in the corporate world. Nadine also highlights gaps in small to medium-sized businesses and offers practical advice on improving customer service and operational efficiency. This episode offers valuable insights for anyone looking to navigate and succeed in the corporate world.01:55 Nadine's Early Aspirations03:52 Discovering a Passion for Consulting08:25 Breaking into the Consulting Industry17:51 Networking and Career Advancement Tips24:36 Challenges and Rewards in Consulting26:33 Transitioning to Entrepreneurship28:24 Key Challenges for Small Businesses31:24 Future Aspirations and ConclusionOlawunmi Brigue, host of Women in Corporate podcast, is a certified executive and transformational life coach, and the founder of Luminous membership, a Personal & Spiritual Growth Hub for women who desire to build BOTH a highflying career and a wholesome family without sacrificing their wellbeing or personal fulfilment. Learn more at ⁠www.luminousmembership.com

Breast cancer survivors are living longer than ever, thanks to research and medical advances, but new studies suggest that some treatments may come with a hidden cost: accelerated aging. A recent study, titled “Accelerated aging associated with cancer characteristics and treatments among breast cancer survivors,” published in Aging (Aging-US), reveals that breast cancer and its treatments may speed up biological aging, with effects lasting up to a decade post-diagnosis. Breast Cancer and Aging Breast cancer is one of the most common cancers among women worldwide. Medical advancements have dramatically improved survival rates, making it one of the most treatable forms of cancer. Yet, many survivors report lasting symptoms like fatigue, memory issues, and reduced vitality that resemble accelerated aging. This pattern has led scientists to investigate whether treatments for breast cancer might be contributing to biological age acceleration. Full blog - https://aging-us.org/2025/04/breast-cancer-treatments-hidden-impact-accelerated-aging-among-survivors/ Paper DOI - https://doi.org/10.18632/aging.206218 Corresponding author - Xiao-Ou Shu - xiao-ou.shu@vumc.org Video short - https://www.youtube.com/watch?v=cfuyzVyDeHY Sign up for free Altmetric alerts about this article - https://aging.altmetric.com/details/email_updates?id=10.18632%2Faging.206218 Subscribe for free publication alerts from Aging - https://www.aging-us.com/subscribe-to-toc-alerts Keywords - aging, accelerated aging, PhenoAge, breast cancer, survivors Visit our website at https://www.Aging-US.com​​ and connect with us on social media at: Facebook - https://www.facebook.com/AgingUS/ X - https://twitter.com/AgingJrnl Instagram - https://www.instagram.com/agingjrnl/ YouTube - https://www.youtube.com/@AgingJournal LinkedIn - https://www.linkedin.com/company/aging/ Pinterest - https://www.pinterest.com/AgingUS/ Spotify - https://open.spotify.com/show/1X4HQQgegjReaf6Mozn6Mc MEDIA@IMPACTJOURNALS.COM

Today I had the pleasure of sharing a conversation about ETF centralization, Bitcoin and macro economics with James Check on checkonchain.com.If you haven't heard of James before, you are missing out on expert analysis and on-chain insights that has made him a widely respected analyst and notable speaker at multiple Bitcoin conferences worldwide.https://x.com/_checkmatey_https://x.com/_checkonchainhttps://www.checkonchain.com/Please Like, Share, and Subscribe to my channel!

Dr. Mercola is a expert in cellular health. Timestamps: 00:00 Trailer 01:15 Introduction 07:05 Accelerated aging and disease 10:44 Debate on vegetable oils vs butter 13:35 Fruit health vs microbiome imbalance 14:41 Beneficial bacteria and gut health 20:18 Early detection of coronary risks 22:55 Affordable at-home blood testing innovation 24:32 Revolutionary butyrate supplement for gut health 26:53 Affordable Fatty 15 supplement launch 32:31 Reduce EMF exposure at home 34:38 Mitigating EMF exposure electrically 37:06 Book series on health and energy 40:31 Walking: The essential exercise 44:30 Limit sun exposure, avoid seed oils 46:57 Critique of profit-driven medicine 48:31 Where to find Dr. Mercola Join Revero now to regain your health: https://revero.com/YT Revero.com is an online medical clinic for treating chronic diseases with this root-cause approach of nutrition therapy. You can get access to medical providers, personalized nutrition therapy, biomarker tracking, lab testing, ongoing clinical care, and daily coaching. You will also learn everything you need with educational videos, hundreds of recipes, and articles to make this easy for you. Join the Revero team (medical providers, etc): https://revero.com/jobs ‪#Revero #ReveroHealth #shawnbaker  #Carnivorediet #MeatHeals #AnimalBased #ZeroCarb #DietCoach  #FatAdapted #Carnivore #sugarfree Disclaimer: The content on this channel is not medical advice. Please consult your healthcare provider.

On today's episode of The Wholesome Fertility Podcast, I am joined by fertility expert, acupuncturist, and conscious work practitioner, Lorne Brown @lorne_brown_official. Originally a CPA, Lorne's personal health journey led him to discover the transformative power of Chinese medicine, ultimately changing his career path. Now, as a leader in integrative fertility care and the host of The Conscious Fertility Podcast, Lorne bridges the gap between science and spirituality to help individuals optimize their fertility and overall well-being. In this episode, Lorne shares how conscious work plays a powerful role in fertility, explaining how subconscious beliefs and emotional resistance can impact reproductive health. He discusses the mind-body connection, the importance of inner healing, and how shifting from stress to flow can create profound changes. Whether you're on a fertility journey or simply looking to align with your highest self, this conversation is packed with insights on conscious transformation, holistic healing, and the power of perception.   Key Takeaways: Lorne's personal journey from accountant to acupuncturist and fertility expert. How Chinese medicine and holistic healing transformed his health and career. The mind-body connection and how stress impacts fertility. How subconscious beliefs shape our reality and can either block or support conception. The power of inner work and emotional healing in reproductive health. How shifting from resistance to receptivity can improve fertility outcomes. The role of consciousness in creating meaningful change in health and life. Insights from The Conscious Fertility Podcast and how Lorne helps patients find balance through a holistic and energetic approach. Guest Bio: Dr. Lorne Brown @lorne_brown_official is a leader in integrative fertility care, blending Chinese medicine, mind-body healing, and cutting-edge therapies. A former Chartered Professional Accountant (CPA), his personal health journey led him to acupuncture, herbal medicine, and holistic fertility support. As the founder of Acubalance Wellness Centre, he introduced low-level laser therapy (LLLT) for fertility and pioneered IVF acupuncture in Vancouver. He also created Healthy Seminars, an online education platform, and hosts The Conscious Fertility Podcast, where he explores the intersection of science, consciousness, and reproductive health. Websites/Social Media Links: Learn more about Lorne Brown, visit his website hereFollow Lorne Brown on InstagramListen to Conscious Fertility Podcast For more information about Michelle, visit www.michelleoravitz.com To learn more about ancient wisdom and fertility, you can get Michelle's book at: https://www.michelleoravitz.com/thewayoffertility The Wholesome Fertility facebook group is where you can find free resources and support: https://www.facebook.com/groups/2149554308396504/ Instagram: @thewholesomelotusfertility   -------- Disclaimer: The information shared on this podcast is for educational and informational purposes only and is not intended as medical advice. Please consult with your healthcare provider before making any changes to your health or fertility care. ----- Transcript: [00:00:00]  Welcome to the Wholesome Fertility [00:01:00] Podcast. I'm Michelle, a fertility acupuncturist here to provide you with resources on how to create a wholesome approach to your fertility journey. **Michelle Oravitz:** Welcome to the podcast, Lauren. **Lorne Brown:** Hey, Michelle, glad to be together with you over whatever we call this technology. I think yours is the Riverside. Yeah, I had a good time interviewing you for my Conscious Fertility podcast, so I'm looking forward to having more conversations with you because that was a lot of fun for me. **Michelle Oravitz:** It was a lot of fun for me too. And I actually it was really, really nice. And to see that we have very similar views just on reality and health and fertility, **Lorne Brown:** Yeah. **Michelle Oravitz:** it was a lot of fun. And so last week actually for everybody's listening, that was the first time we actually officially met via zoom. **Lorne Brown:** Yeah. But we know each other. We're part of the, the ABORM, right? The Acupuncture TCM Reproductive Board of Medicine but yeah, [00:02:00] like the first time you and I had real conversation rather than chat conversation. **Michelle Oravitz:** Which is awesome. I **Lorne Brown:** Yeah. **Michelle Oravitz:** it. And I think that we're so aligned in so many ways. I think that we both love the whole bridging of science and spirituality. We're kind of nerds in that department. **Lorne Brown:** Yeah. **Michelle Oravitz:** for people listening, I would love if you can introduce yourself. I know we also have, we started out with very different backgrounds. And went into acupuncture, you have like kind of a similar cause you started in accounting, right? **Lorne Brown:** Yeah, so, I am a CPA, so a Certified Professional Accountant back in the day they were called Chartered Accountants in Canada and because of health issues and having such a a response to Chinese medicine in particular eventually I, I was the, one of the controllers and tax guys at this time with ocean spray growers here in B. C. and I left that position so I could go back to school and study Chinese medicine as my second career. So that's kind of a little bit about my background. And then eventually **Michelle Oravitz:** [00:03:00] Like what made you think about doing Chinese medicine? **Lorne Brown:** I was ill. I had um, you know, back in the day, this is in the eighties and early nineties. So this Chinese medicine wasn't as available. This was before websites, right? Where you could really see what other people were doing and learning. And so I had severe gut issues, you know, diagnosis IBS, chronic fatigue, candida and you know, I got scoped through all each end and eventually and I tried different Western approaches and eventually it was the herb, Chinese herbal medicine actually that dramatically changed it so much. So, I mean, I have some memories. I did a bachelor of science first in math. That was my first thing. Then I went and did accounting in McGill. And and then I went and became a CPA, back then CA. They changed the letters for the designation. And I remember when I was at McGill I was already seeing alternative medicine doctors, in particular Chinese medicine. And I remember [00:04:00] s for the first time, how much clarity, because I had, I didn't realize how much brain fog I had. And so the clarity I had, I was in the classroom, I just realized how easy things were going in, and I was just remembering things, and I just felt like things were almost in slow motion in a good way, like a professional athlete when they can see the court. And physically, I just felt I had so much endurance, so much energy. I was just I felt great. And you know, when you've been feeling poorly for so long, That I thought that was normal. And then I got, you know, the illness was so bad while I was early days in my accounting studies at McGill. it interfered with my, my studies. It interfered my life. I almost couldn't get outta bed sometimes with the fatigue and the brain fog. And so I had an I had an aunt who was into this stuff. , I was, wasn't right. Remember, it came from Bachelor's Science Math in Duke County. I was, I think I was always open-minded. Look what I'm doing, but it wasn't kind of on my radar. And she's the one that suggested I see her Chinese herbalist. And you know, I was desperate. I was living in Montreal, Canada. She was living in Calgary, Alberta, Canada. So [00:05:00] I, I got on a plane and flew to see her person because I wouldn't know who to go see right back then. And you know, through dietary changes and herbal medicine. It, it transformed my life and funny story because, you know, I do acupuncture like you do. I always had a fear of needles, right? I never was a big fan of needles. So the first time I was getting acupuncture, the acupuncturist who treated me, I have everybody lying down, but he had me sitting up on the table. Right on the treatment table. I was sitting and he's putting these needles in me and he's like, are you okay? I guess he could see I was going a little green and I'm trying to be, you know, tough guy. And I'm like, yeah, yeah, I'm fine. Next thing I know flop, I passed out on the table. **Michelle Oravitz:** do. **Lorne Brown:** So. Yeah. So now I receive it. I love it. Now I give it. But I did. It's a mind over matter, right? I did have that fear of needles, which is why I started with the herbal medicine. Most people like, Oh, I'll do acupuncture, but they maybe have an aversion to the herbs or the taste of the herbs. I was the other way [00:06:00] around. I got introduced to Chinese medicine through the herbal medicine. And then I was like, Oh, I'll try the acupuncture too. and, you know, I stuck with it, obviously. And, and eventually went back to school and now I can I receive it and I can give it and I have so much compassion for those who have a fear of needles, but usually if they come in and try it, they realize it doesn't feel like needles that you're getting. And now with technology, I have low level laser systems as well. So I can do laser acupuncture for those people that just cannot. Experience acupuncture because it's so stressful for them. **Michelle Oravitz:** Yeah, for sure. So that's that's one of the things or sometimes starting them out with baby needles because the baby needles are really, really, really super thin. You can barely feel it. **Lorne Brown:** Yeah, I mean, I, I mean, I just give them the acupuncture for the first time and, and they're nervous. But, you know, they let me put in one needle, then another, then a third. And that's all I'll do for the first visit for people who have a big phobia. But like you and I know, and those that have received it, it's not like getting a [00:07:00] needle at the doctor when you get a shot or blood drawn. And so you really, you know, once they're in, it takes like a minute to put them in. Then you go and tell a beautiful rest, la la land for 30 to 45 minutes on the table. So all worth it for most. **Michelle Oravitz:** totally worth it. For sure. So talk about why you got into fertility specifically. **Lorne Brown:** Yeah, and I'll keep it short, but it was, it was never my intention. My intention was to treat gut issues, digestive issues, because that's what brought me to the medicine. So I thought I'd be, and that's what I set out to do, IBS, irritable bowel syndrome, Crohn's, colitis, severe bloating, constipation, diarrhea, that kind of stuff is what I thought I would be seeing. and I did see a lot of that, and in our medicine, when we treat, we do a very Detailed history and we treat holistically so we can't just focus on the gut health just like for fertility We don't just focus on the women's ovaries, right? We focus holistically and so most people that come to health professionals back then And [00:08:00] I started in 2000 and now still are female And so I'd always do a menstrual history and the the menstrual history is such a great guide for health, right? We can get so much information. That's why I prefer treating women over men. I treat both women who are menstruating. Help me diagnose them from a Chinese medicine perspective because I get so much information from their cycle history. And so as I was treating their bloating in their IBS, or they're alternating between, you know, constipation and diarrhea, or even colitis and Crohn's symptoms. They noticed their PMS went away, they noticed their menstrual pain went away, their irregular bleeding, the spotting, all those things changed. So I became popular. with women's health in general. So I was just doing women's health. So I was seeing people with perimenopause and menopausal symptoms and with painful periods. That was what I was seeing. And back then, again, the web wasn't a popular thing. I was advertising a magazine with a focus in women's health. And this woman who found me was going through an IVF and she was [00:09:00] going to see one of our colleagues, Randine Lewis, in Houston. So I'm in Vancouver and she flew to Houston to see Randine because this was before Zoom. And she, Randine told her she needs regular acupuncture at least once a week so she's going to enter herbal medicine. So she has to find somebody local because it wasn't reasonable or cost effective for her to fly weekly to Houston from Vancouver, right? Nobody was focusing on fertility, but she found me women's health. So she came to my clinic and told me her story and asked if I'd be willing to follow Randine's acupuncture prescriptions and her herbal suggestions and do that for her in Vancouver. And I kind of said cheek cheekily, but in a funny way, in a cute way, as a non aggressive way. So basically you want me to be like a monkey. And put the points where Randine tells you, tells me, and prescribe the herbs where Randine how Randine tells me. She goes, yeah. And I'm like, I'm in. That sounds great. I get to learn from somebody. Because what our audience doesn't know, [00:10:00] Randine was already focusing with fertility. And she had already had this draft book, which came out shortly after, called The Infertility Cure. First of many of her books. So, I thought it was a great opportunity to be able to learn from somebody with more experience and, and not have responsibility to the outcome. And so, and then women who are going through IVF and struggling with fertility, they talk and By 2004, I only would take reproductive health issues. That was all I would take because I was too busy, and I started hiring associates and training them because I couldn't handle the load myself. Now, here we are recording this in 2025 I have multiple associates in our clinic. And that do focus on fertility and myself personally, I still see a lot of reproductive health. But I'm so into the conscious work now. Cause I have low level laser therapy that we use for fertility, but I use that for so many other things. Brain health pain, pain injury. And I do a lot with pure menopausal symptoms. So, I would say, and half my practice, when I look at my [00:11:00] schedule is conscious work. Right? Is that mind body work? Half my practice is that. They still get acupuncture and low level laser therapy as part of the treatment but they're coming in with, I'm wanting belief change work. and I do see a lot of reproductive health, but I see everything now. So it's, it's kind of gone full circle. Because of the conscious work, because conscious work is my passion. And so whoever comes in the door that's looking for change, they may want a relationship change or want a relationship, job changes, finances. They want a baby, they want a healing. Basically, they want to be happy and they realize they can't get it from the outside. So they're looking for help on the inside to have that transformation. And that's why we use it for fertility because it's such a powerful tool when you can heal the mind, the body follows really well. **Michelle Oravitz:** Yeah. No doubt. So talk about the conscious work, specifically. What does it entail? Mm-hmm **Lorne Brown:** Yeah, well, I'm trained also as a clinical hypnotherapist, and I've done a lot of what they call energy psychology modalities. So I'm trained in [00:12:00] Psyche, emotional freedom technique, Bankstein healing method, you know, energy type medicine. But from the clinical hypnotherapy perspective and what I would call conscious work, it's inner work. It's waking up to your true nature. It's waking up to what some people would call higher self, what they would call consciousness witness consciousness. You'd have to be open and appreciate that there's more to this world than meets the eyes. And so we have a Newtonian science world, what's considered a materialistic world, and those are things that we can kind of measure. And then there's the science, the new science called quantum physics. Which understands there's so much more to this reality than what we see and when you have these shifts inside it has your your perception to the world You see it differently and you can think of it as if you live in a building Let's say your your life is a building, you know On the first floor if that's where you live, you're going to have a certain perspective of what your neighborhood is And it's going to be very limited because you can only see from the first floor. And as you move up, if the 20 store [00:13:00] building, if you live above 10 and you start to live on the 15th floor, you have a different perspective of what is in your neighborhood than the person who lives on the first floor. And so conscious work is about kind of getting to a different perspective. I we know, you know, through so much more research now that we perceive the world. Through the lenses of our subconscious programming, you know, and so how we see the world is through the lens of our subconscious and that subconscious programming is is inherited and imprinted on us inherited like literally few generations before we know this through um, research on Holocaust survivors and their children and grandchildren. And we know this through the study, the cherry blossom study on mice were stressed and traumatized and it got passed down to their grand pups. I won't go into the study because it's **Michelle Oravitz:** and DNA. **Lorne Brown:** Yeah, it gets tagged. It's not a genetic mutation, it's a tag. So it can, one generation get tagged, and one generation you can heal it. So, you see the world through the lens of your subconscious, and that lens is based on your history. And [00:14:00] so, I heard a teacher of consciousness once say, Reality's white snow, let's pretend that. And then you have red glasses. I have orange glasses. Some of the listeners have blue, green, white, yellow. We're all seeing white snow, but we're all experiencing it, perceiving it differently because of our lens. And if we want to have a different experience to see that reality, we got to change our lens. **Michelle Oravitz:** Yes. **Lorne Brown:** You know, or we're both fans of Joe Dispenza, right? We both run retreats, and **Michelle Oravitz:** we're Joe Dispenza groupies. **Lorne Brown:** yeah, I like, I like his work. I like his retreats and his books. And in his book, Breaking the Habit of Being Yourself, I think it's where he said it. I've read all of his books and been to many retreats, but I really liked how he said your personal reality is based on your personality. And you can't have, how do you expect to have a different reality if you bring your current personality into your future? You're gonna get the same thing. Right. And so this is about having that shift because, you know, we're going kind of into a rabbit hole here, but if you're open for it, **Michelle Oravitz:** No, I'm totally open for it. And my, my listeners are used [00:15:00] to it, **Lorne Brown:** okay, you know, God, I see they're allowed to, or Gandhi, I've seen this quote attributed to both, but it kind of goes like your beliefs lead to your thoughts, which lead to your feelings, which lead to your actions and behaviors, which lead to your habits. which leads to your destiny. Basically they're saying is your behaviors are always congruent with your beliefs. And when they conflict the program, the belief is going to win. And if you do a behavior long enough, it becomes your habit. So it becomes a reality. So we often want to go and work on the outside world. We often want to go work on a behavior, but the behavior stems from a belief or a program often unconscious. And so we'll self sabotage ourselves, even though we really want to lose that weight. We go and we diet, we exercise, but that's a behavior. But if you have a program that, you know, I'm not beautiful, right, or I'm not thin enough, then the subconscious wants congruency, and it will find a way to sabotage that. [00:16:00] Consciously or unconsciously, it'll happen. And so rather than going to work on the behavior, we go to work on the program, and then it flows down, and the behavior changes naturally. **Michelle Oravitz:** It's so true. And it's almost that, you know, that saying whether you think whether you Think you can or can't  **Lorne Brown:** you're right. Yeah. **Michelle Oravitz:** it's just a matter of what we choose and I think the key with this is that people don't even realize It's almost like they're so asleep in the matrix **Lorne Brown:** Yeah. **Michelle Oravitz:** is such a great movie, by the way, because of that reason, it really shows us how, if we just knew that that was the case, **Lorne Brown:** Yeah. **Michelle Oravitz:** had those beliefs and it impacts our reality, then we would make a difference. But I think the problem is, is not even knowing that it's even there. **Lorne Brown:** Yeah. Well, of course, and I don't know if the age has changed, but it was my observation that around age 40, people start to realize that they need to do their inner work. the drug doesn't work anymore. The antidepressant isn't working, [00:17:00] or they're in a third relationship. It's not working. They change cities. Like it's not working. The changing the outside is only temporary. So somewhere around 40, maybe it's younger now cause things seem to be speeding up, but around age 40 people come in there and they don't know what they're looking for, but they know they're looking for it. And you and I have language for this, right? They're looking for inner work, conscious work, but they kind of know that I know by getting a new relationship, it's not going to help. I got it. Something's not right. about me. And I, you know, I'm going to give an example because the relationship one comes up a lot in my practice when people come and see me. and I share this as an example of self sabotaging programs and why I like the conscious work. And we can talk about how this plays with fertility as well and baby manifestation. This actually wasn't my patient, but it was somebody who shared it. And I loved this case so much because it, it really is a great explanation of of belief change. So She was around 45. She was a lawyer and she had become aware that she was somehow sabotaging relationships. No matter what [00:18:00] relationship she went in, like she would find some not such great guys in her opinion, but she actually realized she found some good guys too. But for some reason, even she knew there was a button and she, she knew she shouldn't push that button, but she would push the button even in her mind when she knew this isn't going to work out. And the, and the relationship would collapse. So at her clinical hypnotherapy session, She got regressed and in this regression, she's experiencing herself as a four year old and she's remembering her mom is making dinner for her and her older sister was around seven and she promises the girls that they get popsicles if they eat all their dinner. So her older sister. Eats her dinner fairly quickly and gets a popsicle. And she, she being for living in that theta brainwave living in the moment, it's not eating quickly. And all of a sudden she sees her sister with a popsicle and she goes, I want a popsicle and her mom's tired end of day. And she angrily says, no, you haven't eaten your dinner. You don't get your dinner to you. You don't get your popsicle till you finish your [00:19:00] dinner. And it probably wasn't said in a loving way. And this triggered the four year old. And like many four year olds, she got. You know, she had a little four year old temper tantrum, and that set off her mom, and then she got sent off. To her room without dinner and without popsicle. And in her story, she's thinking in her dialogue that mommy likes, mommy likes and loves my sister more than me. Mommy doesn't love me. I'm not lovable. And she has this aha moment when that program really started for her. I'm not lovable. Now, remember I said the subconscious and the conscious want congruency. The heart and mind want congruency. When it conflicts, the heart, the shen, the subconscious, wins. And so, she would have a relationship, and if this guy was doting and loving her, her subconscious goes, that's not who we are, we're unlovable. And she would Consciously or unconsciously sabotage the relationship. So in hypnotherapy work, we're able to bring her 45 year old self back and reparent doing her [00:20:00] child work and shift that. And I often say in my practice, I have a an approach. Notice, accept, choose again. Notice everything is neutral and we give it meaning. Neutral. She just did not get a popsicle. Neutral. The meaning she gave it was I'm not lovable, right? And children that are in theta, meaning they're in, they're sponges. They don't have that prefrontal development to discern things. They just take things in and we don't know why. But you know, if you're a product of divorce, which a lot of people are It's usually for the children. It does some form of scarring, subconscious scarring, right? Because the children feel like they're responsible. It's their fault. So guilt shows up or shame shows up. Not safe. So all these programs come up and when I distill them down, I see people that are worth hundreds of millions of dollars. I see people that can't afford my services, right? And based on what they get paid, right? And when you distill it down, the stories are, can be very different, but when you still it down, it's I'm not enough, right? I'm not lovable. [00:21:00] I'm not pretty enough. I'm not thin enough. I'm not smart enough. It's kind of, I'm not enough when you distill it down, whether you're worth a couple hundred million or whether you're scraping things together. So. Notice everything is neutral. We give it meaning. And when we believe in the story, we make it real. So this is not to believe in the story. And that's kind of that materialistic side, right? And we use these tools conscious work to go in and clean up the operating system. And here's an important point I want to share with our listeners is You know, you have this hardware, but the hardware functions depending on the software and I got multiple stories like this, but I'll give you a couple, you know, they have done research on those with multiple personality disorders and depending on the personality, right? One will need reading glasses. One will not. One's blood tests will be diabetic and the other one will not. Right? I mean.  **Michelle Oravitz:** to orange juice. **Lorne Brown:** Yeah, when we allergic not so same physical body. So from a journalistic point of view, this makes no sense, but from a quantum perspective, it does. Right. And and we've heard people [00:22:00] with near death experiences. I've, I've heard through a colleague of one before, and I just, I'd met one recently, actually, and she's written a book on it, Anita, where she, yeah, it's great, right? **Michelle Oravitz:** Yeah. Yeah. **Lorne Brown:** So, you know, her story is she. Developed cancer, funny thing, not so funny, but she always had a fear that she would die and get cancer. So, you know, you got to be careful where you're putting your focus, right? She did everything she could to not get cancer. She got cancer and she was ridden with tumors and she's in the hospital and her husband's by her side. And the story goes that she goes unconscious. So they tell her, say goodbye. She, this is it. She's, you know. She's going to die and she's got, they got on some medications too, I believe for pain relief. And I think it was a day or two later, she opens her eyes and she has an experience of a near death experience where we won't go into it today where she sees other. Family members are beings, but not the personalities like she just knew who they were, but she realizes she's coming back and she knew she was coming back [00:23:00] different. It wasn't like a full lobotomy, like 180 degree turn, but she had a personality change, right? And she knew her cancer is gone. And when she woke up, she tried to convince her husband her cancer was gone. And he's like, you know, no, you know, they got the doctors. She was able to re Share stories of conversations that they had outside when she was in the coma in another room. She forbade him. She could, you know, she knew what the doctor's shoes look like, right? Everything. So **Michelle Oravitz:** that's that bird's eye view. **Lorne Brown:** she was outside the body, but her cancer went away without any medication. After that, she woke up from a coma. And her cancer just resolved herself. So there's that personality. So her personality changed and her physical body changed, right? Because of this and going back to our friend Joe Dispenza, Dr. Joseph Dispenza and your listeners check out his book. They're supernatural the placebo and breaking the habit of being yourself. That's a really good one breaking the habit Right. It's a good one to start with. He talks about you can use matter to change matter, which can be slow. That's for our fertility patients taking supplements. [00:24:00] That's IVF, that's diet matter, change matter, or you can use energy to change matter, which can be spontaneous. Like what happened with Anita, which when her cancer went away, right? Is it went away pretty quickly, right? **Michelle Oravitz:** There's people with well, we see it all the time at Joe Dispenza's work stage four cancer. It just, it goes away. **Lorne Brown:** Yeah. So that's working with a different, dimension of yourself, right? If you want to speak. So the conscious work that I use is how to tap into that, how to tune into it. And it came from my experience, right? I, I've learned this and developed this from many people I've studied with. And I'm a kinesthetic learning. That's learner. That's why I've learned psych KFT, Marissa peers, rapid transformational therapy, Ericksonian The guy just. Love it, right? I think it started from insecurity. Not enough, not smart enough. So I kept on doing things which brought me my success outside, but inside it wasn't enough. So I kept on learning and learning and learning. And then eventually, you know, you're brought to your knees, which I was. debilitating anxiety. And I go in and do the [00:25:00] inner work and I have the transformation. And then I'm kind of at peace. Don't feel like I need to do too much. But now there's this new drive, this overflowing, wanted to share. It's a different feeling. It's comes from peace. It doesn't exhaust you. Right. And so I think on the outside, if I was looking at me, I looked. Similar as in go, go, go. Always learning, always doing right. But I was coming from fear and lack for many years, my doing and stuff. So my doing just got me more fear and lack because I could never feel that void. Now I'm going, going, going, but it's coming from feeling more whole and complete and I'm not attached whether I do it or not, right? I'm not attached to it so much. And but yet I'm still doing it. But now I feel Charged by it. **Michelle Oravitz:** That's so great. I mean, don't you see the yin and the yang too, in a lot of this **Lorne Brown:** Oh, yes. Yeah. Yeah. **Michelle Oravitz:** the harmony, the **Lorne Brown:** Yeah, and you got to keep going into the end So you then you have the young and it happens, right? So, you know, I go inside I become quiet and and then all of a sudden all this [00:26:00] activity and inspire thought comes through me And then I I want to go in and see if I can manifest it, right? **Michelle Oravitz:** Yeah. And everything kind of goes in pulses, you know, there's a, there's pulses, even with like experiences that we have in life, there's ebbs and flows. I think that we get impatient or we think that it's going to be forever, but nothing lasts forever. It's like the good news and the bad news, nothing lasts forever. **Lorne Brown:** Right? Yeah, it's the good news and the bad news. Yeah, in that sense, don't be attached. **Michelle Oravitz:** Yeah, true. **Lorne Brown:** Which is a practice. **Michelle Oravitz:** it is, and it's something that the ancients have been telling us this whole time. They've told us to go within, they've told us not to be too attached, to learn from nature, to learn from what's around us. to flow, flow with it. **Lorne Brown:** And a tip for our listeners, because again, I teach what I've experienced. Many people may be going, well, I've read these books and I know all this stuff and I haven't had a shift. I was that guy where I had read everything and took courses, but I didn't do the process work. I, I conceptually understood it. I could teach it. But I wasn't living it. And it wasn't until I actually did the process work that the [00:27:00] transformation started happening, the awakening started happening. And so that's kind of, you know, with my patients, when I work with them, they want to get in the head and understand, which I love. We got to understand when you understand the why behind it, they say that the how becomes easier. The why is, you know, how does it work? And then the how is, what are you going to do? But if it's just an intellectual discussion you'll have a mind shift. But you won't have a trait change. And what's the difference? A mind shift is that temporary, you feel excited, this makes sense. It feels excited, but it's a shift. It's like when you pull an elastic band apart, it's neuro elasticity, it stretches out, this feels good. But within an hour or two, or a day or two, it goes back to its normal shape. So you haven't made a neuroplastic change, you just made a mindset shift. And if you do that daily, multiple times, it eventually become neuroplastic. And what I mean neuroplastic is if you stretch out a piece of soft plastic and you let go, it stays stretched. So that's the trait change. So repetition or doing many things that create a mind shift regularly often will give you [00:28:00] neuroplasticity changes, right? That hold becomes a trait. That's that, you know, do certain actions over and over again. So that's one way. But then there's other. faster ways to do neuroplastic changes, which doesn't just require repetition. That is one of them, but there's other processes I use. Part of my hypnosis practices and other energy psychology tools is what they're often called now to help make that neuroplastic change, not just from repetition, but from doing these Process work and we call it process work because it's not it's not done. It's a it's a bottom up process versus a top down So i'm not a counselor a therapist. That would be somebody who's doing a top down Let's talk about this and there's some benefit to it. The clinical hypnotherapist perspective is a bottom up meaning Your tyra box said this once your issues are stuck in your tissues So when you have these emotions rarely does somebody say I feel it in my head It does happen once in a while. Most people feel it in their throat, in their chest, in their stomach. It's in your cells. And we got science to talk about [00:29:00] how the microbiome changes with stress and emotions. **Michelle Oravitz:** images of people, all people that were angry, all people that were sad. And they would notice that it would light up in certain spots consistently in the body, which is really fascinating. You can probably find it online. **Lorne Brown:** cool. Absolutely. And, you know, we know like we got serotonin receptors in the gut. Now the heart's being known as a, as a second brain may have more what the read off of it more than the brain and, and then dispensa and heart math talk about heart brain coherence. So we're. You know, I look at it this way is, you know, back in the day of Galileo and Newton, the days when we thought that the sun revolved around the earth and the earth was flat, it was hard for society to shift and science to shift, right? Cause everything we understood the way we could look, it was like, no, no, the world's flat. It look at it, you can tell, look, look outside, doesn't look round or look, look, you can tell that. the sun is going around the earth. Look in the sky. It's so obvious. And you [00:30:00] can't tell me the earth is spinning. We would feel it, right? And now today, most people realize that the earth is round, not flat. There are so few flatters out there. They realize the earth is spinning and that the earth goes around the sun. But there's your perception, you know, there's the first floor view. From my view, the sun is going around the earth. I see it rise and set, right? I can see it float around. I'm standing still. I'm pretty sure about it, but that's a illusion. It's not a complete correct perception on that first floor when you go to a higher floor. So in this case, when we go into space, We can see that it's actually the earth that goes around the sun and the earth is round. And then if we go to a higher floor, we're going to probably get a whole other understanding of what's going on in this human experience and purpose and what's your individual purpose. And people have spoken of it. I haven't tapped into that aspect. I've had those. Non medicated, so non psychedelic experiences where I've tapped into profound peace, where I've tapped into bliss.[00:31:00]  I've also, through psychedelics, I've only done it once, so I'll never do it again, where I tapped into my shadow, right? Accelerated my journey, but I wouldn't wish that upon anybody, going into my shadow work unprepared. **Michelle Oravitz:** 'cause if you, you have to be ready for it. That's **Lorne Brown:** I wasn't ready for it. I, I, I cheated. I cheated with psychedelics. And it put me into my shadow grateful now because and here's a litmus test for myself. So I share this with the listeners as well. If you. don't like your life now, then I'm pretty sure you're still living in kind of a victim mode. You don't like your past and you'll have all the evidence to say why you don't like it. And if you can love your past, no matter how bad it is, then I know you love your now. I know you love your life. Why? Because You realize that who you are today is based on everything that's happened to you and you and because you love where you are today, you would never want to change your past because you love your day. Doesn't mean you want to relive your past, but you're grateful for. You don't regret it because you love today. [00:32:00] But if you hate your past, then it's I'm pretty sure you really don't love it. your day. And there are some terrible things that have happened to people. And I've seen people who've had terrible acts done to them. They would never ask to go do it again, like, but they also say, I love my life now. And so I wouldn't change anything in my past. So that shows you that's healed, right? That vibration that's healed. And so, because there's only this moment. So I find conscious work powerful when you bring it to reproductive health. I want to quote our Randine Lewis friend who wrote the book, The Infertility Cure, many books, but I remember hearing her talk about when women get into a later stage of their reproductive years, especially into their forties she said, you know, at the beginning, you know, reproduction is, it's a, it's a youth game, Jing, we call it essence Jing, it's the physicality, right? You got to have good physicality and it, and that happens with the youth. We see it around us, right? Like, a 90 year old and a 20 year old, the same person or different [00:33:00] physically. But there's something about spiritual maturity and sometimes, and this is where it kind of ties into Dr. Jo Dispenza, matter change matter. So that's the physical, the Jing. And then there's energy that can change matter. And that's what we call the Shen, the spirit tapping into that consciousness. And she says, when you're younger, you can be spiritually mature because you have such good Jing, it overrides everything. And so you can be a drug addict. And you're 20s and getting pregnant all the time, right? Poorly eating, all that stuff. And then if you get into your 40s, the physicality you want, but it's not enough, you need to, as she said, have your shit together. So that's, I'm quoting her. And sometimes that's when we see what we call miracles. It overrides the physical. And you really need to do that spiritual, the spiritual maturity happens. And so, you know, have both. Add to that her excitement with donor egg back in the day when we were having this conversation was she couldn't wait to meet the Children that were born through donor egg cycles because she [00:34:00] says currently this was way back when in early 2000 people were born with either young mothers, so physically strong, spiritually immature. They're in their twenties, early thirties or they're born with women in the early forties. physically not as strong, but spiritually more mature. So they didn't have both. She goes, but with the donor egg cycle, they get the gene from the, the egg. So a physical, physically strong, younger woman, and they are gestated. And raised by spiritually mature women. It's going to be the first time where they get both strength from the physical and strength from the spiritual. So she was quite excited. It was a different perspective to look at the Dorae. She was like, I wonder what kind of children these are going to be, right? So,  **Michelle Oravitz:** amazing. And actually it's really interesting. I don't know if you've seen this yourself, but sometimes the donor egg and the child looks like the mother. **Lorne Brown:** yeah, well, not surprising. I, I, I can't quote you on this, but I remember that they've done this in animals where you put him in a different, like, I don't know, [00:35:00] a donkey into a horse or something like, and it comes out looking more like the the mother. Like the, the horse. So, because don't forget you start as, you know, You know, a bunch of cells, right, you know, when you go in and you're grown, so you are influenced because you're, you're taking in in Chinese medicine talks about this, the emotional well being of the mother during pregnancy will impact the nervous system and the emotional personality of that child. And so what you're eating and what you're doing is helping grow that child. So we have what we call prenatal Jing, you know, for our listeners. So you get that from the mother, the father, and then. throughout pregnancy. And then postnatal Jing is what you, what happens after you're born. So your diet lifestyle. And so everything is impacting you up until you're born. That's what we'd call your genes. And in Chinese medicine called pre pre pregenetic destination, right? Prenatal, prenatal essence. I don't know if I said, if I use the right word, prenatal essence or prenatal Jing is what happens. So, yeah, I love [00:36:00] that story that she looked a little bit like the mother, not surprising. **Michelle Oravitz:** Yeah. And I've actually seen it because I, one of them she's somebody that I'm friends with on Facebook and she's also been on the podcast, Nancy Weiss. She's a spirit baby medium, is a whole other **Lorne Brown:** Yeah. **Michelle Oravitz:** topic. Right. But she. donor embryos and one of her daughters, she put a side by side picture of herself when she was younger and the daughter, and it was crazy. How similar they looked and then I've heard another story of somebody with freckles that she's had freckles But the mother of the donor did not and her husband did not So she always wanted a child with freckles and sure enough one of them got freckles  **Lorne Brown:** Very cute. Yeah, And that, there's so much things we don't understand and the donor egg cycle, I don't know if you've seen this, but with my patients, they only have one regret and it's a great regret that I've always heard when I've heard any regrets, I don't hear it often, but I hear it [00:37:00] and they say that the only regret I have is that I didn't do this donor egg cycle sooner because I don't, I realized I could have been with this baby I, I waited, I, you know, cause they're doing other things and understand there's a process to come to this place where you're ready to do donor a. But that's a great regret. Meaning they love this baby like from day from day one implantation, right? They have this connection. They're their mother. And and. It's, it's, that's great news, right? Cause so many people understandably have to get their head around about not using their own genetic material, right? And when you get there, when you surrender, which is part of conscious work, right? And the resistance drops and you get into flow and receptivity, the experience can be beautiful. And then regardless, even if you don't, when that baby's born, you're like, what the heck? I've been waiting for this forever. **Michelle Oravitz:** Yes. And that's another thing. So looking at the same thing from different lenses and different perspectives, and then you can kind of think, [00:38:00] okay, I may have wanted it to go this way, but perhaps it can go another way. And I'll still get the end goal, which is really to become a mother. **Lorne Brown:** Yeah, that's the end goal. And that's what we want to focus on. And from the conscious work, you know, we, we hear so often in manifestation work and in teachers of consciousness, not to be attached to form an outcome. And I'm a practical guy. So the left brain, my math background, my accounting, I'm, what I would say my feet are on the ground and my header is in the clouds, not just, you know, some people either their head in their clouds. So some people in our industry just head in the clouds. So it's hard to bring it to this earth or my old profession as a accountant, the feet are on the ground, right? I feel like I'm, I'm doing both of that.  So. I want to share this because this worked for me. And again, I often share is, you know, it's easy to say don't attach to form an outcome. That's easy to say you're not the one that has, you want this form an outcome. So it's, you can't fool the universe. You can't pretend, right? Really pretend, but you can do [00:39:00] practices. And I have found this line and I didn't come up with this. I heard this from somebody else and I was like, brilliant. And it works for me and it's worked for hundreds of other people I've worked with this or something better. Yeah. I want this or something better that had such a different vibration to it because you didn't choose your desire So I will never say you can't have you can't want this You can't desire this because you didn't choose it. I I prefer chocolate ice cream over strawberry. I can't tell you why it's just it is I just like I want chocolate ice cream. I don't really want strawberry ice cream. It's just What is, and so, but when you have a desperate need for it, that if I can't have this, then you create resistance and that impacts the field and that cannot be healthy. But if you have a desire, you want it, but you also know you're going to be okay, whether you have it or not, that doesn't add resistance to the field. And so often we, cause if you get focused on has to be this way, then you're not leaving yourself open to other things that [00:40:00] can bring you that same experience. Right? Because what does the baby bring to you? Right? You know, why do you want the baby? What's it gonna bring? What's gonna be different? What are you gonna experience? You know this kind of work, right? Because then you could get little, I call them Drift logs or kisses on the cheek from the universe where you know what it feels like you're practicing what it feels like and it's This or this or something better and then all of a sudden it that same experience comes to you But it's a different manifestation physically. So you're like, oh You know getting that feeling and so you're you're starting to get it from other places as well You're experiencing it. And when I say get it from other places I want to use that loosely is you have learned to Elicit that experience inside of you and then you're starting to see it manifested on the outside so because you don't want to have to get it from the outside because again, then you're not whole and complete This whole work is about becoming whole and complete where it's cut. You are it's It's you're making it inside of it. You're tapped into a part of yourself higher than I guess the ego self to use that language. And then it becomes fun to [00:41:00] see if you can manifest it on the outside, but you're already experiencing the feeling. Hence it's easy not to be attached because you're already feeling the joy or the love or the nurturing of something else, right? And the being of service to something else, you're already bringing up that experience. So you don't need it on the outside, but then all of a sudden you see it on the outside and that just bumps it up a bit. It amplifies it. And so you get, but it's temporary, that amplification. And then when you come back to your set point, that set point is peace and joy anyhow. So you're good. **Michelle Oravitz:** So it's unconditional peace and joy. It doesn't have a condition on it. You choose to just have that. **Lorne Brown:** Yeah. **Michelle Oravitz:** you can, and I think that that's the big thing is that people don't realize that they can actually do that. They could bring it up through just meditation and different practices that they can bring it up in themselves. **Lorne Brown:** Yeah. You tap into that. And I mean, I've, I've had that. I have glimpses. I have experiences of it. And for now the language is I'm, I'm tapping into my true nature and everybody has this true nature, your witness consciousness, your higher self, you want to give it a word. [00:42:00] And. I think we might have talked about this when I interviewed you on the Conscious Fertility podcast, but it's not all positive. It feels good. You still get uncomfortable feelings. You're just not at the full effect of them. So you experience the sadness. You can experience fear. You can experience guilt or hopelessness, but it moves through you like a song on a radio, 90 seconds, and it passes through you. And then you're back to that peace. And So if you're able to not get into the story and you can experience it, you still feel these uncomfortable feelings, but there's a, there's could be an underlying peace or even beauty behind some of those feelings. You're just not at the full effect of them and they just don't last for, for weeks. **Michelle Oravitz:** Yeah. Well, the untethered soul, I think that was like a big game changer for me, that book **Lorne Brown:** Michael Singer's book. Yeah. **Michelle Oravitz:** Singer, he's amazing. And I think that it really was about like allowing discomfort to happen without judgment, without that kind of good or bad, that neutrality, just kind of allowing it to happen. And I have an [00:43:00] example because I burned myself. I remember it was a Friday night and I was exhausted. I was so tired. I couldn't wait to sleep. And I burned my thumb. was like, man, and it was a stupid thing. Cause I was so tired and I touched something and I knew I shouldn't have done, it was just like, without thinking. And I was like, how am I going to sleep with this burning sensation? It was like the worst feeling ever. You know, it's like when you first burn yourself. And I remember thinking to myself, maybe it was like my higher guidance, something resist the burn. So I was like, okay, let me try this. literally felt, I closed my eyes and like, I imagined myself just kind of going through the fire with my hand and almost. Accepting it, inviting it, allowing it. And literally within five minutes, the burn went away. **Lorne Brown:** Yeah, and that's the quantum. That's energy changing matter and you use the awesome word resistance Right resistance is futile to quote the Borg from Star Trek Resistance is futile for those Trekkies out there When you add resistance basically you amplify the burn you amplify the [00:44:00] suffering or take from the Buddhist quote pain is inevitable the burn hurts Suffering is optional. That's where you amplify and when you can lean into it versus it's counterintuitive because we should run away from it. We think, right? And I had that similar experience in the nineties. I I had read, I read dr joe dispenses book, but I didn't understand it. I kind of read it, but Didn't catch very much of it the first read and one day when I was studying to write the exams to become a chartered accountant, a CPA I had sadness come over me real, and it was a new thing. I wasn't something I really experienced this kind of sadness that I could recall. And I don't know why I did this, but there's again, another part of you leading the way here. I decided to, in the middle of the day, I had shared accommodations. I was living with a female and she had Yanni and the Ghetto Blaster. Back in the day, it was Ghetto Blasters. with cassettes, maybe CDs. She had some incense burners. So I lit that and there was like lavender rose in it. And I went in the [00:45:00] bath and just decided to experience the sadness. So as I'm listening to the sad music, there's some incense and candle lit in the middle of the day in the bath, hot bath. I'm so going into the sadness. Tears are rolling down my eyes. And in a moment I'm in full bliss. Like I'm like bliss. Like. But I I don't do drugs, but what except for that psychedelic experience, what, what a good high would be like, it was like, and honestly, if that's what it feels like, I understand why people would do drugs. It was just bliss. And I'm like, you know, try to be sad. Because I was like, this feels great. Can I be sad? I couldn't be sad. And it was only later I had that experience first. And then I read dispenses book. Sorry, not just Ben's, Eckhart Tolle's book, Eckhart Tolle, The Power of Now is what I meant. And the line where he says, you, when you're present, you can't suffer, because when you're regretting the past or fear in the future, you're not in the present. But if you're in the present, he says, even sadness can be turned into bliss. And when I read that line in the book, [00:46:00] I had my aha moment because I had that experience. And now the process that I do in my conscious work is about lowering the resistance. Somebody says, what are you doing? You're tuning into your, your wist witness consciousness. You mentioned Michael Singer, the untethered soul. He often says he doesn't use tools or do tools, but he kind of does. And and I have a process that I believe brings down the resistance. My experience, people, I've worked with and then you have that flow and receptivity and sometimes I just have peace. Maybe it's at, you know, if my, if I'm frustrated or fear, it's a seven out of 10, it'll come down to say a two or one. So peace in an unhappy situation still, right? But peace. So the resistance is low. Yeah, **Michelle Oravitz:** flow in that moment. And it's interesting because I, my litmus test is, are you present? Really? That's the question. I, a lot of people that I work with is, are you present? Like, cause many times when they share things that are uncomfortable for them, they're not really in the present moment. They're either [00:47:00] expecting a future or thinking about a past or something that happens. So the present moment's always the antidote. To everything. If we **Lorne Brown:** present. And that's what the mind does. It's the nature of the mind. You can't get mad at the mind for thinking because that's its nature to be like getting upset with water for being wet, right? It's its nature. So you're fighting with reality. However, there's tools to help you get present and these uncomfortable feelings can become portals to presence. Right. And you're not wallowing them and, and embellishing them, you know, you're not inflating them. You're leaning into them and observing them. So I think what's happening, my experience, my understanding to this point is when we really get practice at noticing and observing them and accepting them, I think we're tuning, we go into present moment, but we do this by tuning into our witness consciousness because the mere fact of witnessing them, not, it shouldn't be this way. It's not fair, like getting into the head. But. **Michelle Oravitz:** neutral watcher. **Lorne Brown:** get into the watching, just getting practice at watching, then you [00:48:00] tune into your witness consciousness and that nature of you is peace and joy. So you tune into it. So wherever you put your energy is what's going to grow. So if you believe in the story and you're at the effect of the story, then you're You're unconscious and you're experiencing it. You're suffering right now. You've amplified the negative situation if you're able to observe it I'm not saying you'll like it. We're not doing a spiritual bypass here, but getting practice at observing at it I believe you tune into the witness consciousness and It's nature's peace and joy and the metaphor I use for this Michelle is when we so Tell me how this lands for you and I'm curious for your audience because this for me was my another aha moment just like what's going on here because I'm having these experiences and I want to have language to share with the people I work with. So if you buy an apple, you have to consciously you Michelle ego Michelle has to pick up the apple and chew it. But after that, Michelle, you're not going release salivary enzymes in your mouth. Like I got to do that. Nobody talked to me. Nobody talked to me. I'm getting acid into [00:49:00] my stomach now. Okay, I cannot. Walk up the stairs because my intestines are now absorbing the all these B vitamins or same thing when you sleep when you go to sleep You're unconscious. You're not breathing yourself. You're not pumping your blood Or pumping your heart circulating your blood your autonomic nervous system is doing this another part your subconscious program is doing this, right? The autonomic nervous system. Well same thing. I don't believe for me that I let go of these programs or emotions anymore. Not Lauren Brown ego. Just like I don't release the salivary enzyme. All I have, I believe it's my witness consciousness does this. It's what's metabolizing these uncomfortable feelings and old programs. And how do we do this? Well, first you have to make the unconscious conscious. So that's my notice step. Everything is neutral and then we give it meaning. Don't believe in the story. When you do, you make it real. So don't take it personally. Then I have multiple tools during the accepting part to surrender to what is, not fight it. Doesn't mean you're resigned to it. Doesn't mean you like it. We're just accepting that this is how I feel right now. And you [00:50:00] accept it and you start to observe it and get really, this is a skill. You get practice at observing it. And by that observing, you tune into the witness consciousness and it is what lets go the feelings. It's what metabolizes it. So, so. It's the intelligence. And so give it a conscious divine. I don't know if it's a part of me or part. I don't know. All I know is Lauren Brown is not doing it. Just like Lauren Brown gets to choose to bite the apple. Lauren Brown gets to choose to notice, not take it personally and observe it. That's all I do. The digestion of the apple is outside of my ego, my conscious mind, the digestion and the alchemy of these emotions where I was sad, went from sad to bliss. Right or go from fear to just feeling at peace. I'm not doing that I don't believe I let go of it and this ties into Michael Singers He says that these I don't know what he calls them Sankara's or something these these these energy blocks. They're [00:51:00] there So you're not experiencing your true nature You're all blocked up with these old programs and beliefs and feelings, but when they get released they move up and out You have this space now where you get to experience yourself. So that's how he describes it. Does, I mean, the, the metaphors and the concepts, yeah, the bottom line is you got to do the work you get. That's my point. It's nice to understand. A lot of us cannot confirm or prove anything, but when you have the experience, you don't care because the experience is peace and peace. It was nice. **Michelle Oravitz:** It is. **Lorne Brown:** I'm not at the, I'm not at the state, I'm not at the stage where I can equally treat fear and, and peace or fear and love together. Like some people say you get to a place where you don't, you don't judge either. You're, they're just vibrations. You're okay. I definitely prefer peace and joy and bliss over fear, shame, guilt, just so you know. Yeah. **Michelle Oravitz:** really our true default **Lorne Brown:** Yeah, **Michelle Oravitz:** is in that nature and that's the Buddha [00:52:00] nature. That's kind of like **Lorne Brown:** yeah, **Michelle Oravitz:** like form and we learn the other things. **Lorne Brown:** yeah, **Michelle Oravitz:** habituated through habits. So bringing this into fertility, which I think is actually very relevant, even though, you know, it's kind of like this big grand concept, it could totally apply to going through IVF, going through the resistance. And also in the IVF, you get so focused on the numbers and the analytical, where sometimes you need to kind of. move back and allow yourself the space and the, and to really take care of your wellbeing. And that's kind of like a, my big thing about that, which always tends to kind of fall in the back burner burner. **Lorne Brown:** yeah, yeah, you're going through the journey and anyhow, so that's all thing pain is Inevitable suffering is optional. I don't think anybody would want to go through an IVF However, if you're going through it, you could go kicking and screaming and suffer through it, or you can go through it and, and not amplify the difficulties of it. And that, again, is a skill set, because [00:53:00] IVF is not easy. As you know, the research shows it's like getting a cancer diagnosis or terminal diagnosis, infertility. So I want to clarify that we're not dismissing it. The conscious work is about being authentic. It's actually about feeling your feelings. However, with a different lens and developing a skill set, a process, so you can metabolize it, right? But yeah, if you're going to go on this journey, if you're in this journey, you didn't choose it, but you're in it. And so how do you use it as, as they say in the conscious teachings, how do you make it as, how is this happening for you versus to you? What does that mean? How do I get out of victim mode? Because it doesn't serve you to being accountable, responsible. What does that mean? Accountable responsible does not mean you blame yourself or you blame other accountable. Responsible means that if you're having the experience, then that's all you need to know that you're responsible for healing it because you're the one having the experience. If you if you it wasn't your responsibility, then you wouldn't be having that experience. And there's so many experiences [00:54:00] happening around the world at one time, and each individual is only aware of so many the ones that they're aware of that are triggering them that they're experiencing. That's, that's all you need to know that that means you're accountable, responsible for that. The stuff that's happening around the world that doesn't trigger you, it's not your responsibility to do the inner work around it. **Michelle Oravitz:** Yeah. Well, I mean, I can keep talking to you forever and of course we just talked about one subject, so perhaps I'll bring you back for other ones as well. But this is this is definitely the kind of thing that I'm very interested in and I nerd out on this all the time. It really is something I think about every single day. I think that it is when you really are bringing up your consciousness and becoming more aware in your life and. Really being the creator of your life or owning that you are a creator in your life I just think it brings another element of purpose and meaning everything. **Lorne Brown:** Yeah. We all want to be happy. And we think different things outside of us will make us happy. This work brings that kind of [00:55:00] happiness. And if, to kind of wrap this part up on consciousness from the materialistic and then the quantum perspective, you know, when we, when we're unconscious, or when we're in that state of fear, we don't feel safe, right? Then our body goes into survival mode, right? The fight or flight. And so, our resources are not available for healing. creativity and reproduction because they're in survival mode, you know, blood gets drained from the, the thinking brain goes, the blood gets drained from the digestion reproduction. And so, but when you feel safe, which is what conscious work is, so here's on the material level, you free up resources for healing, creativity, reproduction. And we know this, that the unsafe hormones of cortisol. and adrenaline and epinephrine, all those things affect inflammation, the body, the effect, your immune system, your hormonal system, your gut microbiome. And when you feel safe, you're releasing the

How is God at work amid ongoing fighting since Russia's invasion of Ukraine? Eric Mock, from the Slavic Gospel Association, wants to remind us that the gospel is going forth as Christians stay faithful to serve the Lord in spite of difficulties and hardship. He'll share stories of Ukrainian pastors who kept up their ministries, even with Russian tanks outside their homes. The (SGA) started in 1934, built on a foundation of prayer with a heart to reach those behind the Iron Curtain with the gospel. One of the ministry's early effort was a dictation-speed recitation of the Bible broadcast over shortwave radio—allowing believers in Russia and other Soviet nations to create their own hand-written Bibles. (The Voice of the Martyrs has a similar broadcast reaching into North Korea today.) Hear more about SGA's history and how the Lord brought Eric to serve there in 2002 to support local churches and other ministries in 13 countries. He will describe how the fall of the Iron Curtain led to revival but then how consumerism later lessened revival fires. Eric challenges all of us to see the examples of our brothers and sisters in Ukraine who are ministering and risking their lives for the sake of the gospel. Pray that the gospel would continue to go forth in Russia, Ukraine and other nations in the region, and that Christians would stay faithful through hardship.

How is God at work amid ongoing fighting since Russia's invasion of Ukraine? Eric Mock, from the Slavic Gospel Association, wants to remind us that the gospel is going forth as Christians stay faithful to serve the Lord in spite of difficulties and hardship. He'll share stories of Ukrainian pastors who kept up their ministries, even with Russian tanks outside their homes. The Slavic Gospel Association (SGA) started in 1934, built on a foundation of prayer with a heart to reach those behind the Iron Curtain with the gospel. One of the ministry's early effort was a dictation-speed recitation of the Bible broadcast over shortwave radio—allowing believers in Russia and other Soviet nations to create their own hand-written Bibles. (The Voice of the Martyrs has a similar broadcast reaching into North Korea today.) Hear more about SGA's history and how the Lord brought Eric to serve there in 2002 to support local churches and other ministries in 13 countries. He will describe how the fall of the Iron Curtain led to revival but then how consumerism later lessened revival fires. Eric challenges all of us to see the examples of our brothers and sisters in Ukraine who are ministering and risking their lives for the sake of the gospel. Pray that the gospel would continue to go forth in Russia, Ukraine and other nations in the region, and that Christians would stay faithful through hardship. The VOM App for your smartphone or tablet will help you pray daily for persecuted Christians throughout the year, as well as giving free access to e-books, audio books, video content and feature films. Download the VOM App for your iOS or Android device today.

Host Tessa Norman is joined by Andrew Douglas, Chair of the UK Accelerated Settlement Taskforce, and Menicos Kouvaros, PwC Partner, to discuss the topic of T+1 settlement reform and the journey to go-live in October 2027. With both UK and EU T+1 transition timings now confirmed, our expert guests reflect on the lessons from the North American experience and how these should inform firms' preparations for the UK's move to T+1. Our guests provide their assessment of the current state of readiness across the industry, and share perspectives on the operational, technological and regulatory challenges facing firms - including automation demands, stock lending procedures, and FX constraints. We also share views on UK and EU coordination efforts, reflecting on the complexities of transitioning in both markets.You can contact our PwC speakers if you'd like to discuss any of the topics covered, at tessa.norman@pwc.com and menicos.kouvaros@pwc.com  To hear more from us on financial services risk & regulation, you can access all our regular publications at this site: https://www.pwc.co.uk/industries/financial-services/understanding-regulatory-developments.html. 

Dr. Lindsay Wolf, from the JU Keigwin School of Nursing, joins JMN to detail a 20-month fast track MSN program designed around modern clinical and technological resources. The program is oriented toward filling experienced nursing and administrative needs as demand on qualified health care providers increases.

We're overfed, but undernourished. Despite having access to more food than ever, most people are walking around with nutrient deficiencies that could be accelerating aging, increasing disease risk, and depleting energy levels. That's why I sat down with Dr. Rhonda Patrick, a leading expert in nutritional science and aging, to break down what we're missing—and why it matters. In this episode of The Dr. Hyman Show, we explore: Why nearly 70% of Americans are deficient in vitamin D and what that means for longevity. The overlooked role of magnesium in metabolism, blood sugar, and brain function. Why our food system leaves us malnourished—even if we eat a “healthy” diet. The best way to assess and correct micronutrient imbalances for optimal health. Your body can't function properly without the right nutrients. This episode will show you how to fill the gaps and take control of your health. View Show Notes From This Episode Get Free Weekly Health Tips from Dr. Hyman Sign Up for Dr. Hyman's Weekly Longevity Journal This episode is brought to you by Seed, BON CHARGE, Pique, Perfect Amino, and AirDoctor. Visit seed.com/hyman and use code 25HYMAN for 25% off your first month of Seed's DS-01® Daily Synbiotic. Go to boncharge.com and use code DRMARK to save 15% on your PEMF mat today. Head to piquelife.com/hyman to get 20% off + a free beaker and frother today. Get pure essential amino acids today. Go to bodyhealth.com and use HYMAN20 to get 20% off your first order. Get cleaner air. Right now, you can get up to $300 off at airdoctorpro.com/drhyman.

In the chaos of Jesus' arrest, Peter reacts by striking a servant's ear, but Jesus immediately heals the wound. Despite betrayal and violence, Jesus responds with restoration, showing that His mission was never about retaliation but redemption. Even in moments of crisis, He brings healing and purpose, demonstrating that recovery in His hands is swift and complete. This message will encourage us to trust Jesus for restoration in our own lives, knowing that He can accelerate healing—both physically and spiritually—when we surrender to His will.

Leading today is like managing Russian nesting dolls—layer upon layer of complexity, from geopolitical shifts to workplace expectations. Mel Steinbach, Chief Business Officer and Chief People Officer at MasterClass, joins Let's Talk, People to unpack how leaders can navigate the paradoxes of modern leadership.In this engaging and refreshing episode, Mel and Emily candidly explore how leaders can redefine power, set clear expectations, and build a culture where both performance and wellbeing thrive. If you've ever felt caught between supporting employee growth and managing burnout, this conversation will challenge you to rethink our current approaches and equip you with insights to lead with curiosity and clarity amidst these challenges.Timestamps:[00:07:04] – Leadership as Russian Nesting Dolls: Mel introduces the layers of change leaders must navigate, from macro-level disruptions to team and individual challenges.[00:16:14] – The Social Media Effect on Career Growth: How social recognition is fueling the promotion obsession, and why leaders must set realistic expectations for career progression.[00:24:00] – The Power of Curiosity in Leadership: Mel and Emily discuss why curiosity is the most critical leadership skill—not just for strategy, but for unlocking team performance and engagement.[00:33:48] – Making AI Your Intern, Not Your Replacement: Mel shares how leaders can shift mindsets around AI, treating it as a tool for removing tedious tasks rather than a threat to jobs.Access the episode transcript.Join the Conversation: This year we're taking audience questions! Send in your toughest people management and leadership challenges, and we'll anonymize them and tackle them in an upcoming episode. Email Abigail on our Let's Talk, People team with your situation as a written note or voice memo to abigail@arosegroup.com.Connect with Emily Frieze-Kemeny on LinkedIn and Instagram or explore her work through AROSE Group's website.If you'd like to receive new episodes as they're published, please subscribe to Let's Talk, People in Apple Podcasts, Spotify, or wherever you get your podcasts. If you enjoyed this episode, please leave a 5-star rating on Apple Podcasts. It helps others discover the show.Thanks for listening to Let's Talk, People!

In this powerful episode of Safer Retirement Radio, Brian Decker and Arrin Wray uncover advanced tax strategies designed to help retirees keep more of what they've earned. From Roth conversions that could save you over $1 million in taxes, to estate planning tools that preserve your legacy, this episode is packed with real examples and actionable advice. You'll learn: ✔️ How Roth conversions can reduce future tax liabilities ✔️ The power of Qualified Charitable Distributions (QCDs) ✔️ Ways to mitigate estate taxes with Irrevocable Life Insurance Trusts (ILITs) ✔️ How to freeze business value to pass future growth tax-free ✔️ The role of AB Trusts in estate planning ✔️ Accelerated depreciation for rental income savings ✔️ Tools to avoid capital gains on high-value assets

Our European Heads of Diversified Financials and Banks Research Bruce Hamilton and Alvaro Serrano discuss the biggest themes and debates from the recent Morgan Stanley European Financials Conference.----- Transcript -----Bruce Hamilton: Welcome to Thoughts on the Market. I'm Bruce Hamilton, Head of European Diversified Financials.Alvaro Serrano: And I'm Alvaro Serrano, Head of European Banks.Bruce Hamilton: Today we'll discuss our key takeaways from Morgan Stanley's 21st European Financials Conference last week.It's Tuesday, March 25th, 3pm, here in London.We were both at the conference here in London where we had more than 550 registered clients and roughly a hundred corporates in attendance. Alvaro, once again, you were the conference chair, and I wondered if you could first talk about the title of the conference this year – Europe's moment. What inspired this and was it a clear theme at the conference?Alvaro Serrano: European banks are probably one of the strongest performing sectors globally. That has been on the back of expectations and prospects of a Ukraine peace deal, expectations of high defense spending, and we were going to German elections. I think it's fair to say that post German elections, Germany has delivered above expectations on the fiscal package. And the announcement was a big boost, at a time where U.S. growth is starting to be questioned. I think it's turning the investment flows into Europe. It's Europe's moment to shine, and hence the title.Bruce Hamilton: And what were some of the other sort of key themes and debates that emerge from company presentations and panels at the conference?Alvaro Serrano: The German fiscal/financial package definitely dominated the debate. But it was how it fed through the PNL that was the more tangible discussion. First of all, on NII – Net Interest Income – definitely more optimism among banks. The yield curve has steepened more than 50 basis points since the announcement together with increased prospects of loan growth. Accelerated loan growth is definitely improving the confidence from management teams on the median term growth outlook. I think that was the biggest takeaway for me.Bruce Hamilton: Got it. And our North American colleagues have been tracking the risks and opportunities for U.S. financials under the Trump administration. How, if at all, are European financials better positioned than their U.S. counterparts?Alvaro Serrano: Ultimately deregulation has been a big theme in the U.S. from the new administration. We've seen tangible sort of measures like the delay in implementation of Basel endgame; and some steps in around consumer legislation – so that we haven't seen [in] Europe.We had events from the supervisory arm of the ECB. And I think the overall message is that there's unlikely to be deregulation on the capital front.What grabbed a lot of the headlines, a lot of the debate was the proposal from the European Commission on Capital Markets Union now rebranded Savings and Investment Union. There's been measures and proposals around savings products, around a reform of the securitization market, which have pretty positive implications. Medium term, it should increase the velocity of the bank's balance sheets, and ultimately the profitability. So, more optimistic on the medium-term outlook.Bruce, I wanted to turn it over to you. The capital markets recovery cycle was a very big topic of discussion, especially given the rising investor concerns lately. What did you learn at the conference?Bruce Hamilton: So, yeah, you're right. I mean, obviously the capital markets cycle is pretty key for the performance of the diversified financial sector – as was clear from investor polling. I would say the messages from the companies were mixed. On the one hand, the more transactional driven models – so, some of the exchanges that the investment platforms – were relatively upbeat, across asset classes. Volume, momentum has been strong through the first quarter of this year. And so that was encouraging.And looking further out – the confidence around some of these secular growth drivers, across the business model. So, data growth, software solutions growth, post-trade opportunities, expanding fixed income offerings were all clear from the exchanges.On the other hand, the business models that are more geared to sort of deal activity, to M&A – sort of private market firms. Clearly there, the messaging was more mixed, given the slower start to the year in the light of tariff uncertainty, which has driven a widening in bid our spread. So certainly there, the messaging was a little bit more downbeat. Though in the context of a still-improving sort of multi-year recovery cycle anticipated in capital markets. So, a pause rather than a cancellation of that improvement.Alvaro Serrano: And what about private markets? Especially in light of the sluggish capital markets activity since the start of the year?Bruce Hamilton: Well encouragingly, I think, you know, investors still had private markets, the private market sub-sector, as the most popular of the diverse vote financial sub-sectors. Which I think you could take to read as meaning that the pullback in shares has already captured some of the concerns around a slower start to the year in terms of capital markets activity.The view of most investors remains that some of the longer-term growth drivers, including increasing allocations from wealth, remain pretty supportive for the longer-term structural growth in the sector. So, I think, some clearly worry that a worsening in credit conditions could still cause share price moves down. But I think generally, we still feel the longer term looks pretty encouraging.Finally, Alvaro, any significant updates on the use of AI within the financial sector?Alvaro Serrano: It definitely came up pretty much in every session because ultimately AI and broader digitization efforts in mass market models like the banks are – is a key tool to improve efficiency. It came up as a key lever to improve user experience and at the same time improve cost efficiency. And when it comes to underwriting loans, it's also a very important tool, although asset quality's not a key theme at the moment.It's a race to embrace, I would say, because it's a key competitive advantage. And if you're not, you fall behind.Bruce Hamilton: Great Alvaro. Thanks for taking the time to talk.Alvaro Serrano: Great speaking with you, Bruce.Bruce Hamilton: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Howie and Harlan are joined by Mark McLellan, a physician, economist, and longtime public servant, to discuss lessons learned from the COVID-19 response and the successes and failures of the healthcare payment innovations he helped to create. Harlan reports on a wave of illness caused by slushy drinks; Howie considers the merits of accelerated training for doctors. Links: The Dangers of Slushies “Glycerol intoxication syndrome in young children, following the consumption of slush ice drinks” Institute for Government: Sugar tax Mark McClellan Health economist Alan M. Garber, MD, PhD Mark McClellan: “Catheterization and Mortality in Elderly Patients With Acute Myocardial Infarction-Reply” Mark McClellan: “National Coronavirus Response: A Road Map to Reopening” “COVID-19 pandemic-related excess mortality and potential years of life lost in the U.S. and peer countries” “Medicare Should Put Its Dollars on Value, Says McClellan” “What Forced CMS to Terminate the MA Value-Based Insurance Design Model?” “How to Create Incentives for Improvement” Accelerating Med School “Outcomes of Accelerated 3-Year MD Graduates at NYU Grossman School of Medicine During Medical School and Early Residency” “Three-Year Medical School Has Benefits, Ethicist Says” Learn more about the MBA for Executives program at Yale SOM. Email Howie and Harlan comments or questions.

Interview with Jennifer M. Yeh, PhD, and Lisa R. Diller, MD, authors of Accelerated Aging in Survivors of Childhood Cancer—Early Onset and Excess Risk of Chronic Conditions. Hosted by Vivek Subbiah, MD. Related Content: Accelerated Aging in Survivors of Childhood Cancer—Early Onset and Excess Risk of Chronic Conditions On Accelerated Aging—A Phenomenon in Survivors of Childhood Cancer

Interview with Jennifer M. Yeh, PhD, and Lisa R. Diller, MD, authors of Accelerated Aging in Survivors of Childhood Cancer—Early Onset and Excess Risk of Chronic Conditions. Hosted by Vivek Subbiah, MD. Related Content: Accelerated Aging in Survivors of Childhood Cancer—Early Onset and Excess Risk of Chronic Conditions On Accelerated Aging—A Phenomenon in Survivors of Childhood Cancer

Join The Struggle's Patreon community to get 100+ hours ofBonus Episodes, Pro Clinics, Uncut Videos, and Submit Questions for Future Guests. FREE TRIAL available! https://www.patreon.com/thestruggleclimbingshow-In this episode climber, Outwild co-founder, and life coachSanni Honnold discusses:Quick progression in her climbing The three types of climbing partners and why they matterThe pitfall of always climbing with better partnersCreating core memories by pushing the comfort zoneHow to identify and plan a life-changing adventure (quickly)HTK communication How to handle vibyness at the cragThe power of being "psycho nice"Outwild retreats-BIG THANKS TO THE AMAZING SPONSORS OF THE STRUGGLE WHO LOVE ROCK CLIMBING AS MUCH AS YOU DO:PhysiVantage: the official climbing-nutrition sponsor of The Struggle. Use code STRUGGLE15 at checkout for 15% off your full-priced nutrition order.Boulder Bears: Taste like candy, kick like coffee! Each caffeinated gummy bear contains collagen and 20mg of caffeine so you can take care of your tendons while dialing in the perfect level of boost and focus for your sesh. Plus, they're crazy delicious. Score a free travel pack plus 15% off using code STRUGGLE 5-Year Training and Performance Journal: The most important climbing tool I use! Takes just a few minutes each day, and yields amazing insights year after year. If you're psyched on training and performance, this is the journal for you. Log, reflect, send. Rúngne Club: Turn your passion into rewards, join the Rúngne community & start earning!And check out ALL the show's awesome sponsors and exclusive deals at thestruggleclimbingshow.com/deals -Shoutout to Matt Waltereese for being a Victory Whip supporter on Patreon! So mega.-Follow along on Instagram @thestruggleclimbingshowand YouTube /@thestruggleclimbingshow-The Struggle is carbon-neutral in partnership with TheHonnold Foundation, whose mission is to promote solar energy for a moreequitable world.-This show is produced and hosted by Ryan Devlin, and edited by Glen Walker. The Struggle is a proud member of the Plug Tone Audio Collective, a diverse group of the best, most impactful podcasts in the outdoor industry.-The struggle makes us stronger! I hope your training andclimbing are going great. -And now here are some buzzwords to help the almightyalgorithm get this show in front of people who love to climb: rock climbing, rock climber, climbing, climber, bouldering, sport climbing, gym climbing, how to rock climb, donuts are amazing. Okay, whew, that's done. But hey, if you're a human that's actually reading this, and if you love this show (and love to climb) would you think about sharing this episode with a climber friend of yours? And shout it out on your socials? I'll send you a sticker for doing it.Just shoot me a message on IG – thanks so much! 

Join The Struggle's Patreon community to get 100+ hours of Bonus Episodes, Pro Clinics, Uncut Videos, and Submit Questions for Future Guests. FREE TRIAL available!  https://www.patreon.com/thestruggleclimbingshow - In this episode climber, Outwild co-founder, and life coach Sanni Honnold discusses: • Quick progression in her climbing  • The three types of climbing partners and why they matter • The pitfall of always climbing with better partners • Creating core memories by pushing the comfort zone • How to identify and plan a life-changing adventure (quickly) • HTK communication  • How to handle vibyness at the crag • The power of being "psycho nice" • Outwild retreats - BIG THANKS TO THE AMAZING SPONSORS OF THE STRUGGLE WHO LOVE ROCK CLIMBING AS MUCH AS YOU DO: Rúngne Club: Turn your passion into rewards, join the Rúngne community & start earning! PhysiVantage: the official climbing-nutrition sponsor of The Struggle. Use code STRUGGLE15 at checkout for 15% off your full-priced nutrition order. Boulder Bears: Taste like candy, kick like coffee! Each caffeinated gummy bear contains collagen and 20mg of caffeine so you can take care of your tendons while dialing in the perfect level of boost and focus for your sesh. Plus, they're crazy delicious. Score a free travel pack plus 15% off using code STRUGGLE 5-Year Training and Performance Journal: The most important climbing tool I use! Takes just a few minutes each day, and yields amazing insights year after year. If you're psyched on training and performance, this is the journal for you. Log, reflect, send. - Shoutout to Matt Waltereese for being a Victory Whip supporter on Patreon! So mega. - Follow along on Instagram @thestruggleclimbingshow and YouTube /@thestruggleclimbingshow - The Struggle is carbon-neutral in partnership with The Honnold Foundation, whose mission is to promote solar energy for a more equitable world. - This show is produced and hosted by Ryan Devlin, and edited by Glen Walker. The Struggle is a proud member of the Plug Tone Audio Collective, a diverse group of the best, most impactful podcasts in the outdoor industry. - The struggle makes us stronger! I hope your training and climbing are going great.  - And now here are some buzzwords to help the almighty algorithm get this show in front of people who love to climb: rock climbing, rock climber, climbing, climber, bouldering, sport climbing, gym climbing, how to rock climb, donuts are amazing. Okay, whew, that's done. But hey, if you're a human that's actually reading this, and if you love this show (and love to climb) would you think about sharing this episode with a climber friend of yours? And shout it out on your socials? I'll send you a sticker for doing it. Just shoot me a message on IG – thanks so much! 

In this week's episode, Casey sits down with Colin Wright to unpack the defining moments that shaped his career - from nearly losing his home in the 2008 financial crisis to building one of Utah's most successful real estate development firms. Colin's journey is a testament to perseverance, adaptability, and the power of learning from failure.Colin shares the lessons he learned from his father, the risks he took by striking out on his own, and the turning points that helped him transform failure into a foundation for growth. He opens up about the challenges of leadership, the importance of knowing your strengths, and the discipline required to survive volatile markets.Sharing insights on business, faith, and family, this episode is a masterclass in resilience, calculated risk-taking, and the long game of real estate success. Whether you're an aspiring entrepreneur or a seasoned professional, Colin's story offers invaluable lessons on navigating uncertainty and seizing opportunities.Chapters:00:00 – 00:39 | Introduction•Casey Baugh introduces Colin Wright•Their unexpected past business connections00:39 – 02:29 | Early Life & Family Influence•Growing up in Davis County, Utah•Parents' strong emphasis on education and work ethic02:29 – 05:53 | Mission in Peru & University of Utah•Colin's transformative missionary experience•Accelerated college path and early exposure to real estate05:53 – 10:12 | Real Estate Roots & Career Foundations•Father's involvement in Ivory Homes•Learning through hands-on experience in land acquisition10:12 – 13:50 | The Columbia University Experience & New York Insights•Studying real estate at Columbia MRED•How living in NYC influenced Colin's urban development mindset13:50 – 19:00 | Entrepreneurship & Early Struggles•Leaving a stable job to launch his own business•The harsh realities of the 2008 financial crisis•Nearly losing his home and rebuilding from scratch19:00 – 25:16 | Major Breakthroughs & Scaling Up•Co-founding Henry Walker Homes and scaling across multiple states•Selling the business and learning critical lessons in exits•Building CW Landco and evolving into Cole West25:16 – 30:42 | Navigating Real Estate Cycles & Market Shifts•Strategies for surviving economic downturns•How Utah's real estate market is evolving•Adapting to industry headwinds and capital challenges30:42 – 36:42 | Faith, Family, & Business Philosophy•Balancing entrepreneurship with personal values•The role of faith in guiding career decisions•The importance of discipline and long-term thinking36:42 – 38:22 | Utah's Future & Real Estate Outlook•Predictions for Utah's housing market•How policy changes and development trends will shape the industry38:22 – 40:00 | Closing Thoughts•Reflections on business integrity and reputation•Colin's vision for the next phase of Cole WestIf you enjoyed this episode, don't forget to like, subscribe, and share! Hosted on Acast. See acast.com/privacy for more information.

BUFFALO, NY — March 18, 2025 — A new #research paper was #published by Aging (Aging-US) on March 7, 2025, titled “Accelerated aging associated with cancer characteristics and treatments among breast cancer survivors.” Led by first author Cong Wang and corresponding author Xiao-Ou Shu from Vanderbilt University, this study examines how breast cancer and its treatments contribute to accelerated aging in survivors. Their study revealed that breast cancer patients show signs of faster biological aging compared to cancer-free individuals, with long-term effects lasting up to ten years post-diagnosis. This finding raises concerns about the potential lasting impact of cancer therapies on aging and overall health. Breast cancer is one of the most common cancers in women worldwide, with improved treatments leading to longer survival rates. However, emerging evidence suggests that these treatments may also accelerate aging. The study used Phenotypic Age Acceleration (PAA), a biological marker that estimates a person's aging rate based on blood tests. Researchers compared data from 1,264 breast cancer patients and 429 cancer-free controls. The results indicated that breast cancer survivors had significantly higher PAA at diagnosis and continued to show signs of accelerated aging up to ten years later. “This is the first large study with 10 years of follow-up to evaluate PAA among BC survivors.” The study found that tumor severity played a role in aging acceleration. Women with advanced-stage (Stage III/IV) or high-grade tumors showed the highest levels of aging acceleration. Additionally, treatments such as chemotherapy and endocrine therapy were linked to increased biological aging. One year after diagnosis, chemotherapy was associated with the most significant rise in PAA, while endocrine therapy had long-term effects, increasing aging markers even ten years after treatment. Interestingly, not all cancer treatments had the same effect. Surgery and radiation therapy were associated with lower aging acceleration over time. These findings suggest that systemic therapies, which affect the whole body, may contribute more to aging-related changes than localized treatments. The findings highlight the need for ongoing monitoring of breast cancer survivors beyond their initial recovery. Understanding how cancer treatments influence aging can help improve post-treatment care and potentially lead to strategies that reduce these effects. Further research is needed to explore whether lifestyle changes, medications, or other interventions could slow down aging in cancer survivors. As the number of breast cancer survivors continues to grow, addressing the long-term health consequences of cancer treatment is crucial. This study provides valuable insights into how different factors contribute to accelerated aging, helping to shape future research and healthcare approaches for breast cancer survivors. DOI - https://doi.org/10.18632/aging.206218 Corresponding author - Xiao-Ou Shu - xiao-ou.shu@vumc.org Video short - https://www.youtube.com/watch?v=cfuyzVyDeHY Subscribe for free publication alerts from Aging - https://www.aging-us.com/subscribe-to-toc-alerts About Aging-US The mission of the journal is to understand the mechanisms surrounding aging and age-related diseases, including cancer as the main cause of death in the modern aged population. Please visit our website at https://www.Aging-US.com​​ and connect with us: Facebook - https://www.facebook.com/AgingUS/ X - https://twitter.com/AgingJrnl Instagram - https://www.instagram.com/agingjrnl/ YouTube - https://www.youtube.com/@AgingJournal LinkedIn - https://www.linkedin.com/company/aging/ Pinterest - https://www.pinterest.com/AgingUS/ Spotify - https://open.spotify.com/show/1X4HQQgegjReaf6Mozn6Mc MEDIA@IMPACTJOURNALS.COM

The Virgo Lunar Eclipse takes place on March at 5:54 pm (Sydney), 6:54 am (London) and 2:54 am (New York). This is the first eclipse of 2025, the first of this eclipse season (the second is on March 29), and the second eclipse on the Pisces/Virgo nodal axis. It's happening during Venus retrograde, kicking off Mercury retrograde and graced by the backdrop of a Pisces stellium. There's lots to unpack... The Ultimate Manifestation Visualisation MeditationSubscribe to the Lunar Lover newsletterBook in for a Natal Chart Reading with JordannaOrder a copy of All Signs Point To YouInternational readers order here.  Lunar Lover is always grateful for your generosity towards keeping this podcast running. Get Bonus episodes and exclusive workshops when you become a paid subscriber https://plus.acast.com/s/lunar-lover. Hosted on Acast. See acast.com/privacy for more information.

Brandon and Tiana of Accelerated Racing Solutions join us to talk all about why they almost exclusively use MoTec, their passion for grudge racing, and of course when they were on the Netflix show, Fastest Car. Support those that support us! Haze Performance: https://hazeperf.com 5% off "Minnoxide5" or code "Minnoxide" for Free Shipping! Tuned By Shawn: https://www.tunedbyshawn.com Code "Minnoxide" for 5% off! High Performance Academy: https://hpcdmy.co/Minnoxide Use code "MINNOX" for 55% off ANY course Use Code "MINVIP" for $300 of the MINVIP Package

A U.K. startup, originating from founder Jacob Nathan's high school science project on using enzymes to break down plastic waste, has secured an oversubscribed $18.3 million in Series A funding. Founded in 2019 in London, Epoch Biodesign now a 30+ strong multidisciplinary team of chemists, biologists and software engineers. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Canada Immigration Provincial pick for Accelerated Tech Pathway by Alberta  on 12 February 2025 Good day ladies and gentlemen, this is IRC news, I am Joy Stephen, a certified Canadian Immigration practitioner, and I bring to you this Provincial Pick from the province of Alberta. This recording originates from the Polinsys studios in Cambridge, Ontario. |  Alberta selected potential PNP nominees under Accelerated Tech Pathway on  12 February 2025.   Additional Infor and News release by province:  Alberta selected potential provincial nominees under Alberta Express Entry Stream – Accelerated Tech Pathway, This is the news release by the province:   Draw date : February 12, 2025 Minimum score of invited candidates : 67 Number of invitations : 63 Worker stream, pathway, initiative or other focus and selection parameters -Alberta Express Entry Stream – Accelerated Tech Pathway   | You can always access past news from the Province of Alberta by visiting this link: https://myar.me/tag/ab/. Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  

Astronomy Daily | Space News: S04E52In this episode of Astronomy Daily, host Anna delves into the latest challenges and exciting developments in space exploration. From NASA's lunar missions facing technical difficulties to the thrilling prospects of new commercial space stations, this episode is packed with insights that will keep you informed and engaged with the cosmos.Highlights:- NASA's Lunar Trailblazer and Odin Spacecraft Challenges: Join us as we discuss the recent communication issues faced by NASA's Lunar Trailblazer and the Astroforge's Odin spacecraft following their launch. Learn about the critical maneuvers ahead for Lunar Trailblazer and the potential hurdles Odin must overcome to reach its target asteroid.- SpaceX's Starship Test Flight Update: Get the latest on SpaceX's upcoming eighth Starship test flight, now approved by the FAA. We explore the objectives of this mission, including the deployment of Mach Starlink satellites and the ambitious plans for Earth orbit.- Health Insights from the International Space Station: Discover surprising findings about the health implications of the ultra-clean environment aboard the ISS. We discuss how microbial diversity may play a crucial role in astronaut health and the potential for future space habitats.- Axiom Space's Independent Space Station Plans: Hear about Axiom Space's revised timeline to establish its own commercial space station, potentially breaking free from the ISS by 2028. We examine the implications of this shift for the future of low Earth orbit operations and commercial space activities.- Alpha Centauri's Cosmic Visitors: Uncover new research suggesting that our closest stellar neighbor, Alpha Centauri, may be sending comets and asteroids into our solar system. This fascinating insight highlights the interconnectedness of our cosmic environment.- March Skywatching Guide: Prepare for an exciting month of celestial events! We provide tips on spotting Venus, Jupiter, Mars, and the highly anticipated total lunar eclipse on March 13-14, along with other notable astronomical occurrences.For more cosmic updates, visit our website at astronomydaily.io. Join our community on social media by searching for #AstroDailyPod on Facebook, X, YouTubeMusic, and TikTok. Don't forget to subscribe to the podcast on Apple Podcasts, Spotify, iHeartRadio, or wherever you get your podcasts.Thank you for tuning in. This is Anna signing off. Until next time, keep looking up and stay curious about the wonders of our universe.00:00 - Welcome back to Astronomy Daily01:05 - NASA's Lunar Trailblazer and Odin challenges12:15 - SpaceX's Starship test flight update18:00 - Health insights from the ISS22:30 - Axiom Space's independent station plans27:00 - Alpha Centauri's cosmic visitors32:00 - March skywatching guide✍️ Episode ReferencesNASA's Lunar Trailblazer[NASA](https://www.nasa.gov)SpaceX Starship Updates[SpaceX](https://www.spacex.com)International Space Station Research[NASA ISS](https://www.nasa.gov/iss)Axiom Space Information[Axiom Space](https://www.axiomspace.com)Alpha Centauri Research[University of Western Ontario](https://www.uwo.ca)Astronomy Daily[Astronomy Daily](http://www.astronomydaily.io)Become a supporter of this podcast: https://www.spreaker.com/podcast/astronomy-daily-space-news--5648921/support.

Dr. Latifat is a financial mentor and physician who helps women physicians take control of their finances, build generational wealth, and create more time freedom. Through her Money School, she empowers women to take charge of their financial future with strategic tax planning, social wealth, and long-term community support.In this episode, she talks about the importance of tax planning, being part of the right community, and the power of social wealth in achieving financial freedom. She shares the transformative journey of women physicians who are achieving financial goals by taking proactive steps with their wealth-building strategies.Key TakeawaysTime is your most valuable resource.Plan your taxes ahead of time.Social wealth and the right community are key.Timestamps20:46 – Dr. Latifat discusses the value of time freedom in her life.21:59 – The importance of strategic tax planning for financial freedom.22:58 – The value of social wealth and community in financial growth.25:58 – How the Money School provides long-term support and learning.28:34 – Why tax planning should happen long before filing season.29:39 – The significance of creating wealth for future generations.30:39 – A success story of a woman who transformed her life through the Money School.31:34 – Dr. Latifat encourages listeners to take the first step towards financial growth.Connect with Dr. Latifat:☎️ Book A Call: www.moneyfitmd.com/call

About this Episode Ever feel like your romantic relationship is a swirling mystery of emotions, expectations, and challenges? At the heart of every partnership lies the quest for acceptance—a profound sense of being valued and understood, just as you are. Yet, the path to achieving this in our closest relationships can often feel fraught with misunderstandings and unmet needs. How can we navigate these turbulent waters to foster deeper connection and a lasting bond? In this episode, our experts delve into the transformative power of acceptance and its pivotal role in strengthening intimate relationships. With insights drawn from decades of experience in counseling and relationship coaching, this conversation explores how to break free from entrenched patterns and embrace acceptance as a cornerstone for emotional intimacy. Listeners will come away with practical strategies to rekindle their relationship's safety and vulnerability, ultimately leading to a more profound and enduring love. Jon is the founder of Growing Love Network, a nonprofit dedicated to revolutionizing relationships for lifelong love. He has conducted more than 170 marriage intensives for struggling couples, and couples in crisis. He has worked directly with thousands of couples and individuals through counseling and therapy and trained hundreds to facilitate effective marriage courses. He has been married to his wife, Joanna, since 1985. They have 3 grown children and 6 grandchildren. Check out the transcript of this episode on Dr. Jessica Higgin's website. Episode Highlights  05:25 Acceptance and power: Roots of relationship dynamics 07:26 Maslow's hierarchy of needs. 12:54 Building a foundation of acceptance in relationships. 14:14 The shallow end vs deep end dynamics in relationships. 17:45 Establishing safety in partnerships: Shallow-end conversations 21:47 Creating structured conversations for safety and acceptance. 24:38 The role of quality time and affirmations in building acceptance. 28:09 Effective listening: a key to acceptance. 32:27 Prioritizing goodwill and understanding in relationships. 34:48 The power of positive focus: Shifting perspectives in relationships. 40:10 Navigating conflicting perspectives: The cul-de-sac analogy. 44:08 Inching back to vulnerability: Steps from shallow to deep end. 47:45 The importance of day-to-day intimacy and acceptance. 49:06 Insight into couple intensives: Accelerated progress in relationship therapy. Mentioned The Acceptance: What Brings And Keeps Lifelong Love (*Amazon Affiliate link) (book) Connect with Jon Anderson Websites: GrowingLoveNetwork.org Facebook: facebook.com/jonrandersonmarriagespecialist Instagram: instagram.com/jonrobertanderson Connect with Dr. Jessica Higgins Facebook: facebook.com/EmpoweredRelationship  Instagram: instagram.com/drjessicahiggins  Podcast: drjessicahiggins.com/podcasts/ Pinterest: pinterest.com/EmpowerRelation  LinkedIn: linkedin.com/in/drjessicahiggins  Twitter: @DrJessHiggins  Website: drjessicahiggins.com   Email: jessica@drjessicahiggins.com If you have a topic you would like it to be discussed, please contact us by clicking on the “Ask Dr. Jessica Higgins” button here.  Thank you so much for your interest in improving your relationship.  Also, I would so appreciate your honest rating and review. Please leave a review by clicking here.  Thank you!   *With Amazon Affiliate Links, I may earn a few cents from Amazon, if you purchase the book from this link.

Last year was the first calendar year with a global mean temperature of more than 1.5°C above the 1850-1900 average. Since 90% of global warming is occurring in the ocean, due to the earth's rising energy imbalance resulting from continuing and increasing GHG emissions, not surprisingly research published in “Environmental Research Letters” in late January concluded ocean temperatures for the 450 day period between April '23 and July '24 were the warmest ever. Ocean surface temperatures are now warming 40 times faster than 40 years ago. As I've noted in previous discussions with Prof. Abraham, because warming oceans/ocean heat content plays a fundamental role in our planet's energy, water and carbon cycles, warming ocean temperatures disrupt marine life that substantially threaten the availability of food we eat and the oxygen we breathe.The “Environmental Research Letters” article, “Quantifying the Acceleration of Muti-decadal Global Sea Surface Warming Driven by Earth's Energy Imbalance,” is at: https://iopscience.iop.org/article/10.1088/1748-9326/adaa8a/pdf. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.thehealthcarepolicypodcast.com

In this episode of the Pro Pilot Playbook podcast, hosts Sean Richey and Mike Martin interview Colin Harper, a recent flight training success story. Colin shares his journey from a financial planning career to becoming a Certified Flight Instructor (CFI) in just six months. He discusses the challenges he faced, the importance of choosing the right flight school, and the financial aspects of his training. Colin emphasizes the value of accelerated training and the support he received from his instructors, ultimately leading to his successful check rides and newfound passion for aviation. Takeaways: ✈ Colin transitioned from financial planning to aviation. ✈ He completed his CFI in just six months. ✈ Choosing the right flight school was crucial. ✈ Accelerated training helped him achieve his goals quickly. ✈ Colin faced challenges balancing family life and training. ✈ He utilized various online resources for ground school. ✈ The financial aspect of training was a significant consideration. ✈ Colin's training included flying in winter conditions. ✈ He found joy in instructing after becoming a CFI. ✈ Colin encourages others to pursue their aviation dreams.   Pro-Pilot Playbook: ✈Pro-Pilot Playbook provides people with the knowledge and tools to become professional pilots FASTER & CHEAPER. There is no other product available that even comes close in comparison! This a groundbreaking career development course aspiring aviators. If you are considering flight training, or currently in flight training, this course is CRITICAL if you want it done FAST, CHEAP, and CORRECTLY. This is the BLUEPRINT to launch your aviation career! ✈Go to https://www.propilotplaybook.com and enter your email to get access to our list of "The Top 10 Flight School Rip-offs" and access to free lesson from our course.  

In this Episode we Luke Diederich who recently went through ATP accelerated flight training program, we talk about what that was like. We also talk about navigating his way through Pilot training. ~ Video Version Available on YouTube: https://www.youtube.com/@1st.Gen.Pilot. ~ If you have any questions for Luke Check out his instagram and Youtube: @thatpilotluke https://www.youtube.com/@thatpilotluke

Discover if the dark web has taken a supernatural turn with 'The Black Market of Souls'—where digital necromancy might just be the next frontier. Is it possible?If you are having a mental health crisis and need immediate help please go to https://troubledminds.org/help/ and call somebody right now. Reaching out for support is a sign of strength.LIVE ON Digital Radio!  http://bit.ly/40KBtlWhttp://www.troubledminds.net or https://www.troubledminds.orgSupport The Show!https://www.spreaker.com/podcast/troubled-minds-radio--4953916/supporthttps://ko-fi.com/troubledmindshttps://rokfin.com/creator/troubledmindshttps://patreon.com/troubledmindshttps://www.buymeacoffee.com/troubledmindshttps://troubledfans.comFriends of Troubled Minds! - https://troubledminds.org/friendsShow Schedule Sun-Mon-Tues-Wed-Thurs 7-10pstiTunes - https://apple.co/2zZ4hx6Spotify - https://spoti.fi/2UgyzqMTuneIn - https://bit.ly/2FZOErSTwitter - https://bit.ly/2CYB71U----------------------------------------https://troubledminds.substack.com/p/the-black-market-of-souls-digitalhttps://arstechnica.com/tech-policy/2025/01/copyright-office-suggests-ai-copyright-debate-was-settled-in-1965/https://www.reddit.com/r/darksouls3/comments/7ih14c/heard_some_folks_are_selling_souls_online_what/https://www.vice.com/en/article/i-got-90-days-in-the-hole-for-buying-souls-in-prison/https://www.mic.com/articles/142773/i-bought-a-soul-from-a-teen-on-the-internet-and-this-is-what-happenedhttp://wesellyoursoul.com/https://www.mentalfloss.com/article/651406/you-cant-sell-your-soul-ebayhttps://www.cbeinternational.org/resource/selling-and-buying-souls-part-1/

In this engaging episode of MOJO: The Meaning of Life and Business, host Jennifer Glass sits down with Chew-Hoong Koh, a transformative coach with a wealth of experience in overcoming life's challenges. The conversation centers on the familiar yet often debilitating subject of procrastination, examining how it affects progress both personally and professionally. Chew-Hoong shares her own journey of being stuck in soul-sucking jobs and an unhappy marriage for over 25 years, which led her to develop the Accelerated Profit System—a neuroscience-informed strategy designed to propel mission-driven coaches from procrastination to empowerment and profitability. Listeners are invited to explore the roots of procrastination, with a particular focus on the hidden psychological and emotional barriers that often go unnoticed. Chew-Hoong emphasizes the importance of not letting procrastination become a part of one's identity, highlighting that the underlying issues often stem from feelings of inadequacy, lack of self-worth, or fear of success. Through enlightening anecdotes and actionable advice, this episode provides listeners with tools to identify and break free from these patterns. Discover how aligning with your soul's purpose and utilizing thoughtful introspection can unlock the potential for greater good. Chew-Hoong offers practical exercises, such as her heart-centered inquiry method, to help uncover and address the root causes of procrastination. As a bonus, she extends a special gift to listeners—a guide to breaking through procrastination—inviting them to open the door to more significant alignment and success in their endeavors. Tune in for a thoughtful discussion that promises insights and practical steps to overcome procrastination and achieve meaningful alignment in life and business. About my guest: Being powerless and stuck for 25+ years in jobs that were soul-sucking and an unhappy marriage, Chew-Hoong created a soul-thriving, neuroscience-informed Accelerated Profit System (APS) after healing and training with 10+ top leaders in self-improvement and businesses. This unique system accelerates mission-driven coaches from procrastination* to empowering, productive and profitable businesses. Connect with Chew-Hoong on LinkedIn and grab her 5 Keys to Breakthrough Procrastination gift at https://tinyurl.com/p5zxwpbf - Don't procrastinate, open the gift. There's another $300 value gift, for the first ten action takers Keywords: procrastination, business, stuck in life, moving forward, energetic level, subconscious mind, self-improvement, neuroscience, accelerated profit system, mission-driven coaches, empowering productive businesses, billable hour, time management, soul purpose, alignment, intuition, ease flow and grace, marketing, social media, emotional state, healing, triggers, blind spots, time management coaching, procrastination pattern, identity, impact on bottom line, stress, subconscious protection, energetic engagement, curiosity

Born in Frankfurt Germany, Katherine Abboud lived in Los Angeles and Chicago for many years and now calls Birmingham, Michigan home. Past Experience: Principal /Chief Operating Officer @Armstrong White Senior Partner, Director of Creative Services @JWT Detroit Senior Graphic Services Manager- JWT Chicago Senior Print Production Manager @ Chiat/Day LA Print Production Manager @McCann Erickson LA Katherine's “real” role at RISE: Company Leadership New Business Development Brand Strategy Management Account Management Client Partnership Individual Accomplishments: 1996-2001 Accelerated professional advancement through the Advertising business to become the Senior Partner, Director of Creative Services for JWT Detroit managing 5 departments and over 100 employees. 2006 In collaboration with three partners, we acquired Armstrong White in 2006. I spearheaded the company's tremendous growth and evolution, shifting it from a predominantly local retouching studio in Detroit to a worldwide CGI studio. Our innovative approach involved utilizing vehicle design data to craft CGI imagery for automotive industry marketing, ultimately resulting in an acquisition. 2010 – Led the purchase and the total renovation of a custom built, secure CGI studio that became the benchmark for the CGI creative industry. 2013- Led the acquisition of Armstrong White to the largest VC firm in Canada which fueled our expansion into the Pharmaceutical, CPG, food, and beverage industries. 2013-2020 -Remained COO of Armstrong White 8 years post acquisition, and let the expansion to be the global CGI network within the parent company. In Katherine's Words: Stepping into the role of CEO at RISE is a moment of great significance for both the company and myself. My vision is to lead our talented team at RISE Creative Studios to push boundaries and deliver exceptional content, both branded and original. As CEO, I recognizing that our work extends beyond just individual projects. It's about leaving a lasting mark on the industry, challenging norms, and fostering a culture of inclusivity. I believe that by embracing diversity, we can widen the gaze and create narratives that resonate deeply with audiences around the world. My ultimate goal is to align the entire company with the mission of RISE, ensuring that every aspect of our operations reflects our commitment to diversity, integrity, and impactful storytelling. This is not just about walking the talk; it's about setting the gold standard for the industry and inspiring others to follow suit. Together, we will rise above challenges and make a profound difference in the lives of our audiences and the industry as a whole. “ Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big!   Connect with Katherine Abboud: Website: https://www.risecreativestudios.com/ *E – explicit language may be used in this podcast.

In this episode, we sat down with the CEO of Union, Karel, to discuss Union's architecture, including CometBLS, and Galois. We also covered what makes Union unique, and how modularity in crypto will evolve going forward. Finally, Karel told us what to expect from Union in 2025. Thanks for tuning in! As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. -- Follow Union: https://x.com/union_build Follow Karel: https://x.com/0xkaiserkarel Follow Boccaccio: https://x.com/salveboccaccio Follow Blockworks Research: https://x.com/blockworksres Subscribe on YouTube: https://bit.ly/3foDS38 Subscribe on Apple: https://apple.co/3SNhUEt Subscribe on Spotify: https://spoti.fi/3NlP1hA Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ Join the 0xResearch Telegram group: https://t.me/+z0H6y2bS-dllODVh -- Timestamps: (0:00) Introduction (3:32) Union Architecture (6:44) ZK-powered Consensus (11:43) CometBLS & Galois (16:04) Integrating Other Chains (24:55) What is Unique About Union? (28:24) How Will Modularity Change Over the Years? (31:29) Union's Focus in 2025 -- Check out Blockworks Research today! Research, data, governance, tokenomics, and models – now, all in one place Blockworks Research: https://www.blockworksresearch.com/ Free Daily Newsletter: https://blockworks.co/newsletter -- Disclaimer: Nothing said on 0xResearch is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Boccaccio, Dan, and our guests may hold positions in the companies, funds, or projects discussed.

Aging is a natural process, but how do we differentiate between normal changes and accelerated aging? What are the critical periods in life when significant health changes occur? Why do they happen, and how to navigate them for better aging outcomes? We spoke with Michael Snyder, PhD, professor in genetics at Stanford University, about groundbreaking research into the health profiles of people in their 40s and 60s, uncovering key factors in aging, and practical lifestyle modifications to promote long-term wellness.

Cost segregation studies can significantly reduce taxable income by accelerating depreciation on rental properties. They reclassify certain property components, such as flooring and lighting, to shorter depreciation schedules (5, 7, or 15 years) instead of the standard 27.5 years for residential or 39 years for commercial properties.  This method can result in substantial tax savings. For example, a $510,000 duplex study yielded $131,000 in accelerated depreciation, potentially saving $40,000 in taxes at a 30% rate.  Although the percentage has been stepping down, it may be reinstated to 100% under the Trump administration. Initiate a cost segregation study estimate here to determine the potential tax savings.  GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/537 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, when you reduce your taxable income, that's a zero risk return on your investment. You'll learn how to do that today with any rental real estate that you own through what's known as a cost segregation study, even those without a giant portfolio can save 10s or hundreds of 1000s of dollars. An expert guests and I break it down with real life examples, see just how it can help you today. On get rich education   Speaker 1  0:34   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:35   Welcome to GRE from Berlin, Pennsylvania to Berlin, Germany and across 188 nations worldwide. I'm Keith Weinhold. You're listening to get rich education. And one way that I like to be positioned in real estate is the sense that I own it directly, yet I use a property manager so that I'm shielded from the day to day responsibility. I care, but I can still live my life now you might favor direct ownership like I do, yet choose to self manage your property instead. That's a viable way to do it. Self management is how I started out, but however you handle the management when you own directly, you can alter your effective post tax rate of return on your investment, and that's what we're talking about doing today with a cost segregation what this effectively does is increase your tax depreciation benefit. Though depreciation sounds bad as a word in the real estate world, even without spending any of your own money, it's still classified by the tax code as an expense that you can deduct from your taxable income. You don't want to reduce your income, only the taxable income reducing the portion that the IRS can get a piece of. Now, unless it's a condo, your rental property probably includes both a structure called the improvement and also the land. Now your improvement has components that wear out, and even the IRS knows that the land does not wear out yet. There are items on the land that you can get this accelerated depreciation on through a cost segregation, like fencing and lighting and carports. A lot of people don't know that, so there is therefore a land improvement segregation often on a 15 year schedule, but it's even more lucrative to get cost segregations applied to things inside your building or home that wear out faster, like countertops or flooring, as we'll see today, on shorter schedules, like five or seven years. Said another way what you're doing is that you are shielding more of your taxable income. And I'm going to ask today's Cost Segregation expert guest for an example near the start of our conversation, so he'll give us some numbers. And you want to listen to that part closely, and you might find yourself skipping back to re listen to some parts today as we give real life examples on how a cost seg works. Now, today is a Presidential Inauguration Day, so it's appropriate that we cover this today, because Trump is widely expected to reset 100% bonus depreciation, which, as you'll see, factors into our discussion today. And frequent GRE guest Tom wheelwright thinks that this is going to happen too this 100% bonus depreciation. What that means that, for example, all those land improvements that I mentioned on a 15 year depreciation schedule, where you could front load it and get it all in year one of your ownership and those components indoors. On shorter depreciation schedules, like five to seven years, you can get all those write offs in year one without waiting five to seven years. So that's. The sweetener that 100% bonus depreciation is, if Trump indeed brings that back, and you might say, wait a second, this sounds a little too good to be true. I mean, getting these amounts, you'll see they can be over 100k in tax savings, even for a small investor, that you can reduce your taxable income by Well, you know, it is just a little too good to be true, because when you sell the property down the road, you have to pay back 25% of what you wrote off this way in what's known as a depreciation recapture tax. So it's still worth doing. In a lot of cases, you would keep 75% of your benefit then, unless you do a tax deferred exchange on your sale, and then you could defer that 25% depreciation recapture tax. So yes, today's episode is deeper than most. And you know, being a Presidential Inauguration Day, and knowing that I like to drop a little levity here before we delve into deep topics, what does the outgoing presidential administration have to say about cost? Segregations get hot.   Speaker 2  6:13    I got Lana. I got hairy legs that turn that turnblonde in the sun, and the kids used to come up and reach in the pool and rub my leg down so it was trained, and then watch the hair come back up again.   Keith Weinhold  6:32   I don't know what just happened there. Let me just give him another chance to clear things up. I mean, you really can do a cost segregation,    Speaker 2  6:41   we have this notion that somehow, if you're poor, you cannot do it. Poor kids are just as bright and just as tall as white kids.    Keith Weinhold  6:51   Gosh, oh dear, I don't I don't know where to go with that. And hey, if you're a new listener, you know, over time, we poke a little fun at every president. We do with Trump as well. We do with Jerome Powell. No one is immune around here. Some people, hey, they might find it funny that a former real estate investor President like Trump wants to expand America's real estate portfolio by taking Canada and Greenland in the Panama Canal back too. Politics matter, but this is not a politically partisan platform in any way. What's politically partisan? It's saying that the economy is like absolutely awful, but then as soon as your guy gets sworn in, one hour later, you're willing to call that same economy. Now suddenly, a great economy. No, a national economy does not change in one hour. So free thinking and thinking for yourself beats polarizing political partisanship. That's a way it's been around here from day one. Yeah, a little levity, a good knee slapper now and then knee slapper coming up in future weeks on the show here, the real estate guys radio show host and a friend, Robert Helms, will be here to update us on what's happening in the short term rental market, mid term rental market and more. We'll also announce a big collaboration that he and I are going to do together this year, and you'll be invited to join us today, let's discuss cost segregation.   You can take your tax burden and put a huge dent in it by accelerating your real estate depreciation deduction with a cost segregation This could save you 1000s of dollars every year or more depending on the size of your real estate portfolio. We're talking about how to specifically do this with a cost seg expert. He's been a real estate investor for over 20 years. He builds new rentals to hold, and he and his son do that together. In fact, you're currently building a 24 unit complex now. But the reason he's here is because he started a specific cost segregation company in 2012 and he completes over 100 cost seg studies every year. So he's really the guy to talk to. Steve, welcome on to the show. Thanks for having me. I appreciate it. It's great to have an expert like you here and Steve, I think a lot of real estate investors, they're familiar with tax depreciation. That's where for rental property, with residential, there's a 27 and a half year schedule. And commercial has a 39 year schedule. We take the reciprocal of those numbers, and that means that, for example, in residential, you can write off about 3.6% of the improved property value every year. That's pretty nice on a 500k property that right there is 18k that can be sheltered from taxes annually. But most investors stop right there. So in a lot of cases, they aren't maximizing their tax benefit. You can write off substantially more than that, potentially. With a cost segregation. So tell us about it.    Steve Trussell  10:04   Cost Segregation. As you just mentioned, you have your regular depreciation, which most do take. Believe it or not, I've come across a few people that own property for a few years, and they're not taking it at all, which is, I don't understand that maybe they're doing on accounting, but we get them on track with that. But as you said, 27 and a half and 39 year depreciation, whether it's residential, 27 a half commercial, 39 that's all well and good, but there's a lot of money left on the table, because when you look at the the piece of real estate, there's a probably 22 to 32% of the asset itself, the depreciable asset that's shorter life, for example, cabinets, flooring, light fixtures, uh, outside the landscaping, retaining walls, things like that that are shorter life. So what we do in a cost segregation study, we go in and we rebuild the property through an engineered study, we pull out the five and the 15 year property and reclassified. And so usually you're going to wind up with about 70, 75% of it will stay on the schedule. It was on whether it be 27 and a half or 39 but then that 20 to 30% that we're going to bring forward is a huge number. So for example, I just recently did one. It was a duplex, $510,000 was the purchase 433, was the basis, after land, the depreciable basis. It was kicking out about 16,000 a year in regular depreciation. For the investor, which covered, you know, their cash flow and so forth, so forth. Most people know how that works. We were able to go back and accelerate it and get 131,000 or about 31% of it in 515, year property. So they had $131,000 depreciation amount sitting there. Then they still were able to write off the 302, that was left at 11,000 a year. So they're still getting their normal depreciation, a smaller number, but that 131,000 if they can use it with bonus depreciation, is $131,000 of money sitting there. They could offset $131,000 of income. That's a huge number. If they're not doing that now, they're leaving money on the table.   Keith Weinhold  12:01    Gosh, $131,000 of potential tax sheltering, which is, yeah, a huge number on a 500k duplex, like you described.   Steve Trussell  12:11   It's a substantial number. And if you're not doing cost segregation, then you're leaving a lot of money on the table, like I said. So then it comes down to it. It's a, I guess, cost versus benefits. So the first thing we do is, I get the data from your purchase of your piece of real estate or server, whatever it is, we put together an estimate of benefit to give you an idea of what that would look like for you, like in this example, that's what we produced. Was what we thought we could bring forward for this investor. And then at that point, once we determine that you look at 131,000 the cost of our study is $1,830 so 131 versus 1830 is a pretty good bargain. I believe. I mean, I know I'm selling my product, but that's a pretty good bargain. Yeah. And then the third part of it is, so we've established that it's probably makes sense. But then can you use it? If you're a real estate professional, if you're familiar with what that means, you can write that off against your active and passive income. If you're not, you're a w2 and you're not quite there. Yet it may be that you don't do it now. You do it in a couple of years, but either way, the process is there when you can use it. Probably 80% of my investors are able to use it the year we do it. And if you don't use all of it, you carry it forward. So it's makes sense, typically, to do a cost segregation study, but that's what we help you establish by one, the estimate, and two, discussing with you or with your CPA, does this fit you? Is this something you can use as from a tax standpoint?   Keith Weinhold  13:37   Yes, it was just a few episodes ago. I describe more about what real estate professional status is. The main thing is, typically, real estate needs to be you, the investor's principal activity. So it's not very likely that you're going to be a real estate professional if you still have a full time day job.   Steve Trussell  13:56   There are doctors and lawyers and people like that that have a full time job, and they just could not justify spending the amount of time and being a real estate professional. But sometimes their wife would be the candidate to be that. So their wife becomes or this, or the husband. If the wife is there's the breadwinner, becomes the real estate professional, and then they can take that and write it off against their active income. And I don't want to jump into the CPA side of this. That's more of a CPA question, but that's how I understand it works. And I've seen that happen before, where someone who has a full time job is able to bring their spouse in as their real estate professional, and they're able to use utilize it that way.   Keith Weinhold  14:34   Well, to talk more about this benefit of $131,000 on the duplex example that you gave, if all that is able to be deducted at a 30% income tax rate, that is 40k of savings. 40k is about 30% of this $131,000 number. So that's the money the increase in net income in your pocket.   Steve Trussell  15:00    yeah, which is substantial, and that's where you look at your individual tax break. I'm gonna save 40,000 in taxes, and I'm gonna spend $1,800 for the study. Makes sense to me to do that. It's pretty good return on your money, but it comes down to being able to use it. And so that's the things that we explore when I'm talking to a client.    Keith Weinhold  15:19   Now, Steve, I know in the past, I have talked to cost segregation engineers and their firms on the phone, where they've looked at some properties that I had, and I don't remember whether they charged me for this or not, but what I learned is it wouldn't be worth going ahead with a cost segregation study on and I'm thinking that they didn't charge me anything to tell me that, but really what I'm getting at is, can you tell us more about when it makes sense to do a cost seg on properties, and when it does not?    Steve Trussell  15:46   Well, there's okay if you're going to sell it the next few years, it does because you're going to recapture so you don't want to spend money for a study only to get the benefit for a year and then sell it and have to recapture it. Now, in my personal situation, I have done that because I bought more property and I was able to use the cost segregation to offset my gains versus a 1031 So by and large, it doesn't make sense. If you're going to sell it, that's number one. You may have owned it for eight or nine years, 10 years, maybe you've used a lot of your depreciation already. So that delta between the accelerated depreciation and which you've already taken may not be enough to make sense. It may be a property that's, you know, $80,000 probably doesn't make a lot of sense to spend the money. The mass just doesn't typically work there. I've done some as low as that because they wanted the tax benefit, and I'll do whatever the client wants me to do. But those are the three things that I would say probably would determine whether it makes sense or not. But that's where the estimate comes in. I mean, you bring me a property, and if it's $40,000 I'll tell you before I do anything, probably not worth messing with it. It's you're not gonna get much benefit. But if you bring me a property and it's $125,000 asset, we'll take a look at it. I'll do a quick estimate for you, no charge, and it'll either apply and make sense for you, or it won't. And I'll be the first to tell you, if it doesn't you know your individual tax situation, I'm just talking about the dollars that we create for you versus the cost. If it doesn't make sense, I'll tell you. I don't want you to waste your money doing a cost segregation study if you don't need it or can't use it.    Keith Weinhold  17:14   Okay, So there are a number of factors here, which could include how long the investors own the property, how soon they plan to sell the property. It sounds like there's generally a correlation here, with the larger the property, the more likely it is that it makes sense to do the study as well.   Steve Trussell  17:29   It does. I have a client that I'm working on right now. He has six properties, and I think they were 2021, acquisition. So that was it four years ago, and they're not on a depreciation schedule, he hasn't taken anything. So in this case, it's, you certainly would want to do a cost segregation study, and that you need to have your properties on a depreciation schedule anyway, for whatever reason they weren't there. So in this case, if you came across a client that had a property for 10 years or for some reason it was never on a depreciation schedule, which that's, I don't know how that would happen, but let's assume it did. In that case, you would make sense to do because you're going to catch up all that depreciation from back, from 10 years ago all the way through today, which would even be a larger number. So that happens occasionally, rarely it happens, but it does happen where someone has never depreciated a property.    Keith Weinhold  18:17   We're talking with a man that can greatly reduce your tax burden. I think for one thing, first, he's gonna check to make sure that you're taking the basic tax depreciation. But beyond that, as you can see here, there's a potential to do a lot more with a cost segregation. You're listening to get rich education more when we come back on cost seg studies, I'm your host. Keith Weinhold.    hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President CaeliRidge personally. Start now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com.   Oh geez, the initial average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself. Earn. And 10% like me and GRE listeners are. Text family to 66866, to learn about freedom, family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866   Robert Helms  20:17    Hey everybody. It's Robert helms with the real estate guys radio program. So glad you found Keith whitehold and get rich education. Don't quit your Daydream.   Keith Weinhold  20:32   Welcome back to get rich education. I love talking about tax savings vehicles, because it's like a no risk instant ROI to you, that's what we're doing today, when we're talking about accelerating your depreciation and reducing your tax burden through a cost segregation. And Steve, in my experience, I know that you can't just ask anyone to go do this study, like your Slack John, uncle with a tape measure and sending him out there. It takes a person with a certain credential in a Cost Segregation engineering analysis. So can you tell us more about what physically needs to take place to have a cost seg done?   Steve Trussell  21:09   Yeah, you're right. People. You could try to do this yourself, but it probably wouldn't pass muster with the IRS if you were to, if they were to question the study. One thing that we do, and most firms like mine would do also, we do back up the study, and we do guarantee that we will defend the study on your behalf. If there's a question, very rarely does it come up, but if there's a question from the IRS, we step in in your place and defend the study and justify how we arrived at these and that's only through a call to an engineered study. So if you have your your uncle, as you mentioned, doing it, it doesn't follow the audit technique guide. Doesn't follow the guides that are required for cost segregation study. You're probably going to find it getting kicked out and wind up owing taxes and penalties. So you want to make sure you're someone who's qualified and they do an engineer study, same thing as a CPA. CPAs aren't qualified to do a cost segregation study because it is an engineered study. We're breaking down the entire property and rebuilding it with our software on commercial buildings. You'd mentioned. What do we do? Commercial building? We do a physical site visit. We actually go to the property. Those are more expensive because we're there at the property and travel time and so forth. That to do that with engineers on residential we have a unique program. We do a virtual site visit where I can do this or my desktop, and that's why I'm able to keep the cost down. But we still do a site visit, because there's so many tools available today to be able to do a virtual site visit, I mean, for anywhere in the United States. So we can do this anywhere in the United States, and I take the tools that we have, the data I get from the client, we can do a virtual site visit and create the study from that    Keith Weinhold  22:43   really what the IRS is doing, whether this probably isn't reality, but you're saying your property wears out completely in 27 and a half years. That means that you can take some portion of that and depreciate it each year, but with some of these components that you mentioned, like the flooring and like the bushes. I think even the landscaping is one of the components that you can do a cost seg on. Basically they're saying that wears out faster.    Steve Trussell  23:11   Correct. Pretty much everything outside the building is 15 year life, sometimes even shorter than that. But that's how it classes 15 year life. Like your driveway, your like I said earlier, your retaining walls, grass, landscaping, fences, things like that, outdoor lighting, stuff like that. The inside the building is the five year property, which is your countertops, your flooring, fixtures. Think of things. I mean, floor is going to wear out before 27 half years, you're going to be replaced. You do it in your own home. Typically, you know? Well, I would never keep it for 27 and a half years. I would I wouldn't thank him in my house, but because they do wear out sooner. Tile is a little different animal. There's some debate about that, but for the most part, it's components like that that we're able to reclass in a five year classification.    Keith Weinhold  23:54   That's pretty generous. Grass wears out in 15 years.   Steve Trussell  23:58   Well, it's a 15 year. Yeah, it dies. You know, things change landscape, things like that. So yeah, you do. Those can be classed at 15 years.    Keith Weinhold  24:08   All right, we've talked about the cost in terms of dollars a bit for what a cost segregation study might cost. How much time does it take from the time one is initiated?   Steve Trussell  24:16   It depends. We could typically work with your schedule. I get a lot of last minute folks that get with me in September and they need their October 15, or even this September 15 depends on what kind of entry Do you have it in. And so we can turn these as quickly as you need it, typically, if I have all the data and all the information, especially if it's a residential where I'm not having to travel, but by and large, I can turn these in less than 30 days back to you, and if you need it sooner, we'll burn the midnight oil and get it done for you. That's during crutch time for between January 1 and April 15. If you file early or on time, if you file in October and you extend your taxes and the automatic extension in April, you've got to have the study done before you file. Your taxes. So if you wanted it for 2024 you need to have a study completed by April 15 of 2025 if you're going to file it April 15, if you're gonna file in October, the automatic extension, you need to have it completed by then. So our busy season is January through April 15, and then probably starting July, August time frame through October 15. That's our busy season. So the point of it, if you're going to do a study and use it for your current tax year, it must be completed no matter when you purchased it, but it must be completed prior to you filing your taxes, so you can use it on that tax return.   Keith Weinhold  25:35   All right, so we're just getting into Steve's busy season. So if you think this can benefit you. You want to initiate that sooner rather than later. But Steve, when we talk more about the benefits, we've had a change in presidential administration. So tell us more about the bonus depreciation benefit.   Steve Trussell  25:53   Your bonus appreciation came out in the previous administration before this last one, Trump's first administration that came out of that. So the anything where you reclass is five, seven and 15, your property, but it's 100% bonus. In other words, if you go back to the 131,000 I mentioned on the duplex, all of that in between September 2017 through December 31 to 2022 you get 100% of that. It's starting in January of 2023 through the end of december 23 it went to 80% and the next year, 60, and in 2025 it's going to be 40. But there's been an extension that was passed last in 2024 in the house to go back to the 100% installed in the Senate. And we think with the new administration, we'll probably in the new tax cuts, we'll probably see this reinstated and go back to the 100% which is substantial. If you're getting, you know, 60% of the 131, what is that? 78,000 bucks, roughly, something like that. And if you're getting 100% that's a big difference. So we're hopeful that we'll see that sometime in the first quarter. And so even if you file your taxes in April and it hasn't passed yet and you've only gotten four, you only get 40% bonus depreciation. You'll get that extra 60 the next year. What's happening now, though, before it, if it without being stated, you're still getting a bigger benefit. Because, as I mentioned before, the 131 comes forward, and you get the percentage of that the 302 is left over. In that example I used earlier, you've got your regular 27 net fear depreciation, but that 131 is still five and 15 year property, so you're depreciating that much faster than you would on a 27 after your schedule. So you're still getting a benefit, just not as good as when you get 100% bonus depreciation.   Keith Weinhold  27:34   Okay. And again, when you're talking about five, seven and 15 year property, you're talking about those component lifespans, correct, where we reclass that bonus depreciation benefit started out at 100% a few years ago. It's been stepping down 20% each year, and that is set to most likely refresh here sometime this year, back to the full 100% bonus depreciation. And if that does indeed happening you the listener. You're going to be hearing about that from your real estate investor friends and your social media feed and everything else, and you're going to maybe be feeling left out of that unless you get on top of it and take part of this. That's exactly what we're talking about doing right now. Steve, why don't you talk to us about some of those other components that are included or excluded from a cost segregation study, whether that's lighting fixtures or parking lot asphalt, tell us more.   Steve Trussell  28:27   Exterior is the 15 year life we talked about, the parking lots, the big residential the driveways, the landscaping, the fencing, retaining walls, bushes, the things that are gonna be outside. Okay, everything outside is 15 years pretty much, yes. And then when you go inside, look at the things that you would typically change out. You're not gonna change your plumbing. It's in your foundation and your walls, unless it breaks. You're not gonna change your roof. Is also, even though you change it out, it's also a permanent part of the structure. The roof is but the inside the house you have your or even outside, you've got your brick on the outside of your siding, that's 27 half for your property inside the cabinets, your countertops, flooring, your decorative light fixtures, the your plumbing fixtures, things like that, glass mirrors, things like that, that are going to be naturally shorter life. And it's pretty easy to look at a piece of property and see what's permanent again, like I use the example, the foundation, the studs in the wall, the brick, the she rock on the wall, those things are permanent fixtures. It's the things that are movable parts, typically, that you could look at, and that makes up 22 to 32% I've had to go higher, but 22 to 32 is a good range of the asset from five year and 15 year.   Keith Weinhold  29:42   All right, so really, the dividing line for Cost Segregation is stated as what is a permanent fixture and what is not permanent.    Steve Trussell  29:50   Yeah, probably in the general sense, yeah, I would say that. Well, are there any   Keith Weinhold  29:53   other things that one should know about a cost segregation study, whether that's myths or misunderstandings that need. To be cleared up, or just anything else at all. One needs to know about a cost segregation study. A couple   Speaker 3  30:05   things. One, the myth is that a lot of people think that it triggers audits that you're changing your accounting or you're getting this big bonus depreciation that's in the tax law, and so you're just taking advantage of the same zero to depreciation. Putting depreciation on your schedule, on your tax return, doesn't trigger audits. I mean, that's just buying property and you're putting it on the return. Accelerated depreciation doesn't either, because you do an engineered study. So part of the myth people think that they're going to call it, it's going to trigger an audit. It doesn't. It's a standard practice that accepted by the IRS and the study. The only thing that might, that might trigger isn't the agent. If they're doing an audit of your taxes, they might look at the study and say, Why did you classify this as this but this amount? Well, we go back through our data and our study through our software, and we could prove out how we came up with that value, and that's what they would ask. Is something like that, but it doesn't trigger an audit necessarily, just because you do a study. Second thing I've said this, I'll save all my clients. I said a couple times here, it's important that you can use it, that you can use the benefit. It does not do any good to go spend money for a study and get $131,000 appreciation, like I mentioned earlier, and it just sits there your w2 income, and you can't use it towards that that's far exceeds what you're making on your property. There's still a point in doing that until you can use it. There are other companies out there. They won't discuss that with you. They'll just tell you, you know, let's do a cost segregation study, because you get all these great benefits, but it doesn't do any good if you can't use it. Like I said that 131 be sitting on your depreciation schedule. That's bonus depreciation, but you're not able to do anything with it. If you're a high earner and you're not a real estate professional, you can't use it. So just be aware of that. If anybody brings a cost segregation study to you, and they don't discuss with you how it benefits you, I just be aware of that it's got to benefit you. What's the point if it doesn't    Keith Weinhold  31:57   that's a really great reminder you want to have this done the right way with someone that knows it can benefit you and more than offset the cost of the study. Maybe I should just bring up one example here of maybe a common turnkey property that a listener might buy that's not very high cost. Say that someone buys a fully rehabilitated, just $180,000 rental single family home built in the 1970s two bed, one bath. I'm sure there are some. It depends factors, but in general, would that be a candidate for a Cost Segregation if that were a new purchase for an investor?   Steve Trussell  32:35   I do it all the time, because it doesn't matter how old the property is. What matters is when you purchases. That's when your start date hits and or when you sell it to start date for the next person as well. So yeah, in that case, you're going to take roughly 15% for land. We go to the county website and see what they're using for land, and if they're using 6% that's what we'll use. But 15% is acceptable by the IRS. So in that case, 15% is what $27,000 so your 147 I think, would be your depreciable amount in it, 25% of that is 25 and almost $40,000 of depreciation versus an $1,800 study. And so if you're in a third step bracket, you're gonna save 12,000 in taxes and spend 1800 to save it. I mean, I would swap 1800 for 12,000 Gosh, any time. So, yeah, it would work. But then that comes down to, you know, you individually. What do you do for a living? What's your income? Like it would what level of income you're at. But can you use the 40,000 and celebrate depreciation? And that can be determined between a conversation with me, you and probably your CPA, so they know your tax situation the best, and then I really like the CPA to be involved. It's up to the client, but I'd prefer them to be involved so they know exactly what we're doing. Some CPAs aren't that familiar with it, so we can help them with getting this on the tax schedule. If they need us to on depreciation schedule, they really want the CPA to be involved if the client is comfortable with it because they know your tax situation the best. I can create the benefit for you. They can help you determine if you can use it.   Keith Weinhold  34:08   That's a good point. I would imagine that there are some tax preparers that have never seen this on one of their clients returns before, so that's a great help. And that was an awesome breakdown of just how things might actually look for someone. It just kind of has that most basic, low cost, 180k turnkey property. Steve, before I ask you if you have any last thoughts or anything else that the listeners should know if you want to connect with Steve, do that in the same way that you learn about our properties and our providers at GRE marketplace.com, click in the coaching area, your investment coach is going to help connect you with Steve all of his resources and adjacent resources that are helpful with you. Steve, is there any last thing that someone ought to know?   Speaker 3  34:50   I just think if you own property at all, it makes sense to get an estimate for cost segregation. It doesn't cost you anything. And then we could decide to. Together Again, like I said, along with your CPA, here's my benefit. Can I use it? And they cost you nothing to do that. Your CPA may charge you some time, I'm not sure, but working with me to get through the estimate phase up to the benefit, what's gonna look like for you that we do that for free, and so if you own any property, it makes sense to take a look at it or just have a phone conversation, because if you call me, you tell me, I make $300,000 a year. I'm a engineer, doctor, whatever it happens to be, and I work full time. My wife works full time. I'm probably gonna tell you, you know, you're probably not a candidate right now, because, like, we'd be a great benefit, but you can't use this great benefit right now. Let's revisit it when maybe you can. So it's just worth a phone conversation and you get me the data that I need, which is pretty simple stuff. I could put together an estimate before you turn it around and you decide, what if it makes sense for you?    Keith Weinhold  35:48   Yeah, if you have that conversation with Steve and worst case scenario, you can't use it, you better believe you're going to come off being pretty well informed in knowing the next time that you can use it, perhaps on your next purchase. Well, this has been supremely helpful, Steve. A lot of people are going to benefit from it. It's been great having you here on the show to talk about cost segregation.   Steve Trussell  36:09   I appreciate you having me. Thank you very much.   Keith Weinhold  36:17   Like Steve said, it's about 22 to 32% of the depreciable assets value, which is that house or building, not the land, can be deducted at an accelerated depreciation rate, faster than the 27 and a half year residential or 39 year Commercial depreciation rate. And Steve told me that before some investors even buy property, they will ask him how it would look with a cost segregation and hold on the numbers, and that way you can use it for your pro forma ROI calculation. Yeah, before you've even purchased a property, like I said, you can't have your Slack John uncle do a cost seg study. Plus your uncle is in slack jawed. Anyway. In fact, I'm the only slack jaw you've ever known. Now, I personally plan to send Steve a copy of my depreciation schedule so he can tell me how things would look for my properties. He can do this for you just the same. There is no charge. It's best to submit everything by mid March at the latest, if you file your taxes in mid April. So we are now in their busy season at GRE marketplace, that's where you do more than connect with our investment coaches and properties. There are also service providers, including Steve. Our coaches are there to help you optimize your ROI. This is a type of thing where if you think it's a good idea, you know you're probably not going to pick this up later if you don't move at the speed of instruction now. So if you think that it can benefit you from GRE marketplace.com, click in the coaching area. Get that set up, and we'll connect you to Steve and help you with anything else that you might need in your real estate portfolio. Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 4  38:13   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  38:41   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

LifeWave Mission We are committed to helping people live well with wellness solutions designed to maximize the future of human potential.   LifeWave.com/fiercemanson Benefits of X39 Improvement in energy ● Very deep sleep ● Rapid pain relief ● Rapid recovery from exercise ● Improved sports performance ● Improved cognitive function ● Improved libido ● Accelerated wound healing ● Healing of old injuries ● Tightening of the skin What's In The News Respiratory activity 'high' in US and will 'continue for several more weeks': CDC   Respiratory viruses are continuing to spread across the United States, sickening millions of Americans. Overall respiratory illness activity -- including flu, COVID-19 and RSV -- continues to be listed as "high" nationwide and is causing people to seek health care "at a high level," according to the Centers for Disease Control and Prevention. To continue reading this story click here

●     Pros & Cons of GLP-1 Agonists for Weightloss ●       Possible longterm side effects of Ozempic ●       Insulin Resistantance a deep dive ●       Why insulin resistance goes undetected ●       Insulin Resistance and Accelerated aging ●       Insulin resistance link to Alzheimer's ●       Medications hindering weight loss   ●       And so much more!   Links mentioned in this episode! Show notes page: https://burnitnutrition.com/podcast169/ . . Nutrisense - Get 1-1 nutritional support with their expert dietitians Click Link: http://nutrisense.io/burnitnutrition . .  LMNT – Get a free sample pack with your first order – https://drinklmnt.com/burn . . BiOptimizers - Get Magnesium Breakthrough and get 10% discount with code burnit   - http://bioptimizers.com/burnit . . Learn more about Dr. Morgan Nolte: Website: https://www.zivli.com/   . . Podcast Shop Page for Best Deals at https://burnitnutrition.com/shop  . Leave me a rating & review on Apple Podcasts: https://itunes.apple.com/us/podcast/burn-it-nutrition-podcast/id1195955730?mt=2  . Follow Joseph Navarro on Instagram under @BurnitNutrition . Follow Joseph Navarro on Facebook under @BurnitNutrition . Thank You for Listening!! Please share this episode! Be the one who helps spark a transformation in your family! Feedback to share? Send email to info@BurnitNutrition.com Subscribe! Don't miss another episode! Notice of Sponsorship Affiliate Disclosure with BiOptimizers, LMNT, Dry Farm Wines & Nutrisense Fair Use Disclaimer The following podcast episode contains audio clips that are used under the doctrine of fair use as defined by United States copyright law. These clips are used for purposes of commentary, criticism, news reporting, teaching, scholarship, and research. All rights to the original audio content remain with the respective copyright holders. This use is not intended to infringe upon their rights, but to enhance the discussion and understanding of the topic at hand. Please read the full medical disclaimer  burnitnutrition.com/medical-disclaimer/

Weighing the Pros & Cons of the accelerated approval pathway as it relates to oncology. An updated draft guidance document from FDA regarding this pathway and some compelling data regarding the public's perceived value of newly approved drugs for cancer. Article: Preferences for speed of access versus certainty of the survival benefit of new cancer drugs: a discrete choice experiment. Forest R, et al. Lancet Oncology 2024. Link: https://doi.org/10.1016/S1470-2045(24)00596-5

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