Podcasts about areas

Welcome to episode 430 of Growers Daily! We cover: tunnels in rough weather areas, I take you to the field with me to prep and plant some lettuce. And it's feedback friday. We are a Non-Profit! 

Tiff and Dana address one of the most popular topics for Dental A-Team consultants: overhead! They talk about what it entails, where to start when looking to reduce it, critical questions to ask yourself about needs versus wants, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiff (00:00) Hello, Dental A Team listeners. Thank you for being here with us today. Thank you for listening. We say this every time, but we love what we do and we love bringing you so much valuable information. And the fact that Kiera can do all the podcasts she does blows my mind. ⁓ but she is a busy bee over there, and the fact that we get to do these as well is just really, really fun for us. It allows all of the consultants here on our team to really feel like we're giving back to you guys. So with that, I have Dana here with me today, and   Dana, gosh, we have been podcasting together for a really long time. I can't even put a number to it. And I remember, I don't know if you remember, but I remember I remember where I was sitting. I remember the thought process. And I remember it was me, you and Britt on a call on a Zoom link. And it was the first time marketing had said we want to do video with the podcast. And I was like, what? And video like was not, it was just like up and coming.   I didn't understand it. It was on Instagram. I was watching I was like, why am I watching you talk? Like the a podcast is to listen. Why am I watching you talk? And now I mean it's very normal and that's how I watch them. And I feel like I feel like it was like YouTube came back around, you know. But anyways, I remember that day vividly. ⁓ I don't remember what we were talking about, but I remember being like, I have to like do my hair. I'm gonna be seen.   DAT-Dana (01:23) Yeah. Yeah. I know it was   funny because we always could see each other, right, in those early days, but it was just like we weren't creating the video content for it. And I remember thinking exactly like who's gonna want to watch   Tiff (01:33) Yes.   DAT-Dana (01:35) us who's gonna want to watch us do this thing but then I see my kids literally like watching people play Minecraft and it's like their favorite thing and I'm like wouldn't it be more fun to actually go play? So I do feel like there is definitely this like niche of people like wanting to watch and like you know get a glimpse in of like the podcast world and just different worlds in general and so I agree with you. I remember the three of us just kind of being like who's gonna want to watch us talk to each other but hey we're so glad you're here.   Tiff (01:37) Yeah.   Yes.   It's true.   Yeah.   DAT-Dana (02:05) Yeah.   Tiff (02:06) Yes, I agree. And the three fur podcasts are hard. So hard when there's so many people virtually. And yeah, I r I remember the shock. I wish I could remember what the ⁓ podcast actually it was probably I bet you it was probably one that we did for Kiera. We probably it bosses day or something, yeah, 'cause if there are multiple of us. Anyways, that was that popped into my head this morning as I I always have to now have like prep for podcast time so I can like   DAT-Dana (02:12) Yeah.   Like Boss's Day or something like that. Yeah.   Tiff (02:35) just tame my hair or get my ring light just right. And I'm like, gosh, I remember the days that we did not have to do this. And then we have c new to Dental A Team consultants come on and I'm like, we're gonna podcast. And they're like stressed and I'm like, I get it. I just I get it. I saw them go talk yourself in the mirror for a bit first. You'll get used to it.   DAT-Dana (02:50) Yeah. Yeah.   I know   I remember in the early days I would always have to reframe my podcast because I'd see podcasting on my schedule and I'm like, ⁓ like I gotta get on. So then I just started reframing it. It was like time with Tiff, time with Britt, time with Kiera. And it's how I like kind of learn get over the like of the podcasting space. So I totally feel it when new consultants are like, I have my first podcast today.   Tiff (03:12) I love that.   Yeah,   yeah, and they all come to you, right? 'Cause I'll all schedule it and then they're like, Dana, what do I do? That's so cute. Yeah. I love the reframe. That actually like goes I think hand in hand with what we're talking about today. ⁓ but I think you can do that with anything and I have to remind myself, even like gosh, when I get up in the morning, I got up this morning and I went from for my walk and I was like, ⁓ this sucks and I was like, No, you get to be in the morning sun.   You get to move your body before anybody else in the house is awake. Like I think that's the part that's the hardest is like everybody else gets to sleep, you know? But you that reframe is so powerful. And we can look at a schedule and think I I look at my schedule and I'm like, shoot. This is so busy. Or gosh, I'm I'm like   So long today, and I have to reframe it often and be like, gosh, no, actually I get to do something really cool. And I get to wake up and go for a walk and I get to do these things or I get to go to an office and I get to be boots on the ground with other people. So I love that you mentioned that reframe, Dana. That was really smart. So today's reframe, which I love, I think this is one of the most popular conversations that we have. We get a couple of things here at Dental A Team. ⁓   We love everything that we get, but the most common, most popular things are systems, which we will help you with systems, I promise you. And there are thousands of podcasts I think that just Dana and I have done on systems and operations manual. So go look them up. We're not doing that today. And the second, which I actually really have grown to truly love, ⁓ is overhead cost reduction and and overhead analysis. And so many practice owners and leaders come to us and they're like, gosh.   what does overhead even mean? I know I had a conversation with a client last week that has been in the dental like consulting world for years and years and years. And w his question was what does that even what does it mean? Like overhead can mean so many different things to so many different people and so many different consulting companies. And for the sake of today's conversation and the sake of forever with Dental A Team know that when we say overhead, we are talking about top of the line   Whatever I always say if someone were to purchase your practice, what are the expenses they'd be taking over? Anything outside of that, your pay, your taxes, your debt, your debt will follow you typically, right? You can lump it into the loan, ⁓ but it's not overhead top of the line expense. So your debt, meaning your scanners, ⁓ your school debt, anything like that is outside of quote unquote overhead. So when we talk about overhead, it's top of the line and that had to that that   explanation, I think it can just vary. It can vary depending on who you're talking to. So today we wanted to reframe that, Dana Go. No, I love it.   DAT-Dana (06:08) and I don't want to interrupt you, but I think too just   just to be clear on overhead too, anything that you run through the business, right? Again, that's not something absolutely with your CPA, you structure it how you want. But understand that that's not an expense that somebody is going to take on when they take over the bracket.   Tiff (06:25) Yes, I love that. Thank you. Good clarification. so with this kind of reframe, every everybody's like reduce overhead, reduce overhead. And I totally agree. And a lot of a lot of companies, a lot of people, ⁓ a lot of strategists will come in and they're like, okay, what can we cut? And we for sure, like, we'll come in and look at what if there's space to make cuts, but our biggest piece is always we're not gonna spend a lot of time on it today because we've got a million other podcasts about it.   I think I just did one actually with Kristy not that long ago, but the first place we're gonna look is your collections. A lot of people will say, I need to over I need to produce. And I love the statement, you can't outproduce your problems. So if you're producing, producing, producing, producing, but you're still feeling like there's an issue. And if you're meeting the financial, like you're meeting your goal, your production goal, but you're still cash flow short, then there's an issue in your collections. And so look at your collections and Dana.   I would love to hear quick snippet, what are the areas that you tackle when it comes to overhead and it comes to collections? And then I want to talk about the reframes and the other pieces.   DAT-Dana (07:33) Yeah, so you're exactly right. The first thing I'm gonna look at is the collections number. I'll look at the total, like what is the total percentage and like what profit point do we need to get to when it comes to collections? And then the very next thing I'm gonna look at is your AR because honestly and truly I've been able to get practices out of cash flow crisis, out of really feeling that pinch simply by going after already produced   ⁓ monies. And so I think that those are usually the things that I look at. Okay, what are we collecting? What does our profit point need to be for healthy AR?   Right. And and obviously we're gonna talk about is that possible? How do we get your schedule to get you there? But then the very next thing I'm gonna look at is AR. Is there money that I can just quickly tackle that's already been produced that's gonna help the collections problem? So I'm looking at the total collections, collections percentage, and then what's sitting in AR, because if I can tackle that and make a really quick difference, ⁓ sure, we can budget things, we can line item your PL, we can we can chop where we need to, but those things are often the fastest, easiest, quickest fixes.   and like you said, you like outproducing the problem. If I can fix AR and then we can create systems that it doesn't happen again, oftentimes we don't even have to really touch production, right? Because we're already producing pretty well in a lot of these cases. So those are that's kind of where I start.   Tiff (08:46) Yeah.   Yeah, I love that. And it's something that makes such a massive difference. Knowing one, knowing your numbers, knowing what your numbers mean. So knowing your overhead, knowing your outgoing expenses is massive. And then looking to see, okay, well, if these are my outgoing expenses, what do I need to collect in order to profit? Right. And then if we're not collecting that, is it because production isn't where it needs to be? So what's our what's our bare minimum?   And is collections meeting that or is production meeting that so that collections can meet our bare minimum. If production is or is way above and our collections is just tanked, like I saw somebody the other day that was like 83% collections. They're like, we gotta produce more. And I Yeah, absolutely. If we want to maintain 83% collections and get your overhead in line, you for sure have to produce more. But also we can tackle your collections and get your collections up to that ninety-eight percent that it should be or above, and really not have to work   you harder as the provider work our numbers harder and get that collections up. It also kind of flows into Dana, I think the capacity that we just recorded a podcast. So probably the podcast ahead of this one I would assume is is about capacity. And I think that capacity conversation flows into this one really, really well. So all right, collections.   Go do it. We will harp on that for days, but go do it. If you need help with it, you're not sure, you don't know how to analyze it, you need help with your numbers, Hello@TheDentalATeam.com. We are honestly and truly here to help you. We will provide you as much information as we possibly can to get you on the right track. Now, something else that we like to do within that, and we talked about this on capacity, we talked about analyzing ⁓ fee schedules, right? But then we also need to analyze expenses. So when we're really looking at things and we're saying, okay.   Great, this is my overhead. I like to think, okay, does it have to be my overhead though? So a lot of people will look at staff cost, the employee cost. I actually I look at it, I kind of glaze that, you guys. I don't, I don't like to touch the staff cost unless it absolutely is extraordinary and there's maybe team members that are taking advantage or you're feeling like there's something culturally wrong in your practice, then I'm gonna say, okay, great.   Let's really take a look at this and make sure that we're being efficient with our time. We're not in overtime. We're not in those spaces. But I'm gonna kind of glaze at that unless there's a red flag somewhere else. And then I'm gonna look at those other expenses as well. And something that I really love to do is to analyze what do we need versus what we have. It reminds me of when Brody was little, we'd go to the store and he'd be like, Mom, is this a want or a need? Is it on your list? Is you have are you getting it because you just want it and it sounds exciting?   Or do we actually need this? And Dana, I love the conversation that you have around. I'm gonna say like analyze your vendors, analyze your contracts with vendors, but I love the conversation around ⁓ the wants versus needs when it comes to scanners, when it comes to mills. And I love I I miss the conversation actually. I miss the conversation of negotiate with your labs. And I miss that conversation because   I think that the mill has become such a bandwagon thing. It's been around for so long and it's such a bandwagon thing that everybody's that jumped into. But I love your your like evaluation of is it necessary? Is it actually going to save us the time and the money and get us the results that we want? And I would love, Dana, for you to talk through some of that and how you help your clients decide. Because I'm not against the mill, I'm not for it. I'm for it for the practices that it works.   And I'm for making sure that it's going to work and it's gonna do its due diligence. So what how is that conversation for you, Dana, when you talk to your practices about it   DAT-Dana (12:44) Yes. I love this conversation too, too. I   think first and foremost, I always want to know when when somebody wants to purchase something big like that. So whether it's a new scanner or whether it's a mill, like why.   Why do we want to purchase it? Is it because we have a scanner that we constantly use and we're constantly pulling and we never have it in the like appointment times that we need? So then we need to talk about adding another scanner. Is it that like we need another tool to show patients, but like could we just do IOPs a little bit more until we've got the budget set for the scanner? I'm not saying no to scanners. I'm not saying no to mills. I'm just saying, why do we want it? Is it the right time and is it going to do what you anticipate it's going to do as far as your budget goes?   Because I think we can talk about scanners and what's going to add so much more to my production. Okay, well, it is, but when are we going to use it? How often are we going to use it? Who's going to use it? How are we mapping it out to make sure that it really is putting more production on your schedule and it really is reducing your lab fees? Right. Scanner is a great tool for negotiating with a lab, but are you going to do that? Are you going to do the negotiations? Are you going to send them enough work to make it worth having the scanner?   Same thing with the mill. I'm always asking like why, right? And I know that kind of the mill is the hot spot or the mill is like the next big thing. And I think sometimes, you know, I hear a lot from doctors, well, it's gonna buy me back a lot of time. Well, it's only gonna buy you back time if you're going to let your assistant, right, help design and do the actual milling. If you're not gonna let that happen, then we're actually using more of your time than and sometimes it's not will you let them, it's do you have the capacity within your assistant team right now to be able to allow them.   Tiff (14:07) Yeah.   Mm-hmm.   DAT-Dana (14:21) to do those things because maybe we're short staffed in that area or maybe assistants are really hard to find. Well then maybe now's not the time to bring on the mill because it's actually going to use more of your time versus less of your time. And then you know all of these purchases typically come with either a large payout, right? Or a decent size loan that we're paying every single month. And so I like to kind of reverse engineer with my practices so they know cold hard facts how many crowns they have to do every single month.   to make that loan payment worth it or make that payout out of their emergency fund or their growth fund or wherever they're pulling that funds from. Hopefully not their emergency funds, but sometimes right, doctors get wild on us and it feels like an emergency to get that.   Mill. So knowing exactly how many crowns you have to do every single month. And then I'm saying, okay, let's go back through the last year. Let's see, did we even do as many? Because if we didn't do as many, then now's not the time. Let's get to that many crowns every single month, then take a look at the mill. Because so often we think, hey, the mill is going to save me on lab fees, but you have to do so many of them for it to save you on lab fees. And again, I'm not pro mill. I'm not like I'm neutral when it comes to mill. I think it's a great tool, but it's not the best tool for every   Tiff (15:25) Yeah.   Mm-hmm.   DAT-Dana (15:35) practice at that exact time. I think you really have to look   At and crunch things when you decide to make those purchases and really look at it as is it truly going to give your time back? Is it truly going to give you your lab fees back? Is it truly going to up your patient experience or up your diagnosis or whatever it is? Because that is when it makes it worth it. So I just like to like have the conversation, review the numbers together, and kind of say, hey, like this is the reality of the purchase. I, you know, I am.   Totally understand the like purchase in the feels, right? I get that. I've done it. I'm human. I think we've all been like, but this is gonna feel so good when I have it. But I think look at the numbers and make sure because these things can really hit your these these debt services can really hit your profit points if it's not set up correctly and you don't know kind of the benchmarks you have to hit to make it help with profit versus hurt.   Tiff (16:11) Yeah.   Yeah.   Absolutely. I think it's so beautiful. And a follow-up to that too is if you already have the mill, you already have the scanner, you already made the purchase or the laser, Dana, as you were talking, I was like, the lasers, the lasers. There's so many there's just so many really cool tools that dentistry has that makes us feel like we've got to jump on it to be the most progressive, to be the most exciting, to stay up with the times, to to not fall behind. And really they're just fun and exciting. It's like   ⁓ Canva and you know we only had Photoshop and then Canva came out and then we had, you know, all of these different opportunities. And it it can be easy to jump on board with them. So if we already have jumped on board, we didn't have this conversation, or maybe we did, and then gosh, we're just falling a little bit short. This is the overhead analysis as well. This all flows into that overhead analysis. So as you're looking at your overhead and you see those   those loans under on you have your bottom you have your top line and you have a bottom line. And at your bottom line, when you see those other loans in there and you're like, gosh, Def, Dana, I just I'm not using the scanner as much as I thought I did. I know both of us have I all of our consultants are really, really fantastic at having conversations like this that say, okay, great, why? Dana, you said something earlier, you said it asking more questions, right? Like I want to know, I want to know why you want it.   what it's gonna do for your practice and then reverse engineer it. And we are really great at pulling out the why for anything. So if you're not, if you bought it and you're not using it, we're gonna say, well, why aren't we using it? Is it because it's not the tool that we needed or we wanted and or we don't have the patient base for it or is it because we're not trained, we're not holding accountabilities. And ultimately, if this thing isn't working for your practice, it's not doing what you wanted it to or gosh, you just hate it. You don't like it. You don't want to use it.   This is a conversation with the company that you can have. You can call the company and say, Hey, what can I do? How can I how can I get out of this? I've had ⁓ I've had doctors that have had this conversation with them and they do have like a smaller buyout, right? They're like, Well, we'll buy it back from you, but you're gonna it's kind of like taking a car in and you you're you know, you're under.   So you you owe a little bit more on your car and then you owe on the car that you're buying. So it kind of sucks because you do have to pay that out, but could getting out of that contract early, sending the equipment back, save you in the long run because you haven't paid that total balance. Or a lot of doctors will call and they're like, yeah, absolutely. I have a doctor actually who's looking for one that might buy it from you.   And so you can you can sell this equipment as well if it's not working for you. So I don't ever want doctors to really just feel so stuck in the decisions that either they've made or that they want to make and you have that kind of decision paralysis. So as we're going through that looking at ⁓ cost control and overhead control.   Part of the conversation as well. So there's the projecting side and really looking at do I do I need this? What can it do? And then there's the evaluation side of is this working for me? And Dana, I think that same conversation when it comes to like marketing. Are is my marketing ROI coming in? Is it getting me what I what I thought it was going to? There's magazines investments, there's all of these like hottie-totty ⁓ marketing efforts that are coming around right now. They're trying to like really reinvent a lot of wheels.   And projecting and seeing, does this fit my avatar? Is this gonna work? Gosh, your telephone company, I know our like cable and internet. We don't even have cable, but it's the same company, right? And I'm like, why are we paying for cable and internet? And it just jumped like $90. And I'm like, what the heck? It's a call and a conversation with your vendors and looking at, okay, am I getting the most value for what I'm spending? And that I think Dana helps us to calm the storm.   Because what happens typically is we're like, okay, I gotta produce more in order to afford my life. And it's just like personal, right? I gotta work more in order to afford the lifestyle that I want. Well, maybe the lifestyle that you want can be had with less debt or less stuff, you know, and really evaluating your quote unquote lifestyle in the practice and out.   DAT-Dana (20:43) Yeah, I agree with you because like dental offices, do we have to spend money? Do we have expenses? Yes, absolutely. Let's make sure those expenses are doing what we need them to do and and we have an ROI on those expenses. And I do feel like just doctors highlighting like, don't forget those bottom of the line things because oftentimes it's like, hey, my payroll's in line, my rent's in line, my marketing is in line, everything's in line, but I don't have any profit at the end of the month. And I think don't forget to take a look at oftentimes I think there's an impression of doctors that like those below the   aligned things are like fixed expenses and oftentimes they are variable expenses that we can do something about it. We can make changes like you said, sell it or start using it, right? Or incorporating a way for it to help us produce or collect more. I think just don't forget those bottom of the line things and don't look at them as hey, those are fixed things, right? A lot of times those items aren't. We can either move the needle as far as using them or move the needle as far as offloading them.   Tiff (21:15) Uh-huh.   Yes.   DAT-Dana (21:42) Right. I just had a conversation with the practice. Like, why do we have two scanners? Right. Like, why do we need them? Walk me through it. If if you can walk me through why and it makes sense, totally keep your scanners, utilize them, have it help you. Right. But if we don't need them, then let's not have that sit there every month and pull from that profit that you so desperately need.   Tiff (21:45) Mm-hmm.   Yeah, I love that conversation and I think it's something that's a piece of value that the consulting team brings to our clients that I think is totally undervalued. I know I have clients that are like, Teff, I wanna buy this thing. And I'm like, Okay, cool. Like, tell me why. How are we gonna afford it? Great. I have a doctor that was like, I like this scanner better, but I bought this scanner before I knew that this scanner was better. And I was like, Awesome. Well it sounds you want that scanner. He's like, Yeah, I'm gonna get it. And I said, Cool, what are you gonna do with that scanner that you don't like?   Because that one is still being paid on. It's still in your office. And he's like, okay. So it's like we have this innate ability, right, to see things very, very cleanly. I had a conversation just last week with a client that was like, Tiff, what do I do? And it was like a personnel thing, right? I said, Listen, my job and the and the superpower that I have for you is to be very black and white in business. I'm not emotionally attached to what's going on in the practice. I I love you, I love the practice, I love the team.   And I I have emotions towards you, but I'm able to separate it out and say, hey, do this, don't do this, or these are the black and white opinions that I see. These are the pros and the cons that I can see. I'm not emotionally attached to one scanner is better than the other. I'm emotional, I'm not emotionally attached to the money that's coming in or going out. I am neutral and I'm able to say it is or it isn't. And so that value, that ROI is not always really easy to see.   in the numbers until you look backwards and say, gosh, actually I sold that scanner because of or I didn't buy that and gosh, I'm so happy. Or I was able to invest in my team because I could see my shortcomings or my accountability faults or the accountability that Dana was able to give me so that I could give my team like those spaces are just so   valuable in this overhead analysis is huge. And I know you and I do it often. I know the rest of the consulting team does. Gosh, Kristy, Kiera likes to say she's like a truffle hunting ⁓ little, you know, little piggy out there finding the dollars. And that's how she does it as well. And Nikki and Pam and all of you know, Diana, every one of us are out there looking for those dollars from that black and white kind of business mindset because it's easier for us as a pulled out   Peace, right? And Dana, I just think that is a space that doctors, I can't imagine making those kinds of decisions by myself, right? Even just as simple as purchasing a mill. Like because it's so it's like walk walking into Louis Vuitton with a credit card with no limits and expecting me to not leave with a purse, right? Because in my head it's paid for, it's done, it's it's good.   But then on the flip side, I've got expenses and other things and they've always got just gotta have that person who can be that sound mind.   DAT-Dana (24:58) Yeah. Yep. I agree with you.   Tiff (25:00) All right, Dana, so overhead cost analysis. ⁓ I would say, and I think Dana, add anything you can think of. My pro thought process is figure out your bottom line first of all. Figure out what are your costs, your fixed costs that aren't changing. If someone were to purchase your practice, then then look at what's left over. How much debt do you have? what do you want to be making? Are you paying yourself and are you paying yourself what you want to be making?   And are you saving money? So what do those buckets look like? That to me is your is your bare minimum. You have your bare minimum of this is what it takes to keep my practice open and my employees paid. And then you have your bare minimum of this is what I want my practice to look like. So I like to add that fluff in there. I know Dana does as well. We have our bare minimum and then we have our bare minimum. And our our second bare minimum is the number that I work from ⁓ and tack on a little bit extra. So overhead analysis, look at what your numbers are, look at what your   DAT-Dana (25:46) How many? Yeah.   Tiff (25:55) Collecting, always look at collections and then look at what your debt looks like and look at what your spending is. Is there anywhere in there that can be negotiated? Is there anywhere in there that maybe we need to start using a tool a little bit more to get it paid, paying for itself? Just like you want your team to pay for themselves, you want your equipment to pay for themselves as well. Dana, is there anything you can think of that I missed that I didn't add in there as an action item that they can scurry on home to do?   DAT-Dana (26:24) No, I think I think that those are great tools for them to really be able to slice and dice and look at those pieces.   Tiff (26:31) Awesome. All right, guys, go do the thing. Pull up your PLs, pull up month by month, pull up year to date, pull up last year's, and look at what your expenses truly are. And when you get to the point that you want some third-party perspective, some eyes on it, if you're a current client, you should be doing this with your consultant too. So do it. I want you to know how to do it and I want you to do it with your consultant as well. If you're not yet a consultant, you're ⁓ someone who is a listener and you want you're not a consultant, you're not a client.   You're a listener and you want help with this, please reach out. Hello@TheDentalATeam.com There's also a link on our website, TheDentalATeam.com, that you can schedule a consult with us and they'll help you run through a lot of that information as well. We are here to help. So let us know how we can best serve you and how we can help you in the short and the long run. Hello@TheDentalATeam.com. All right, guys, and we will catch you next time. Thanks so much.  

Show Notes: The conversation opens with an overview of the consulting market, mentioning the impact of interest rates, private equity, and AI on the industry. Chad shares his background, including his career at Deloitte Consulting, Bain, and Charles Aris, and the focus of his strategy recruiting practice. Chad explains the shift in Charles Aris's business from Fortune 500 strategy placements to private equity and portfolio companies. He details the types of roles his team places, including general strategy, chief of staff, transformation, and integration roles. Four Phases in the Consulting Industry Chad highlights the growth of private equity and its impact on the consulting market, including the increase in demand for consulting services. Chad outlines the four phases the consulting market has gone through over the past 24 months: downturn, rebound, downturn, and growth. Chad explains the impact of higher interest rates and tariffs on the consulting market, leading to reduced investments and consulting services. AI Growth Phase Chad discusses the rebound in 2025 due to lower interest rates and private equity adapting to the new normal. He highlights the current growth phase driven by AI and the understaffing of consulting firms due to previous downsizing. Chad emphasizes the candidate-driven market and the increased demand for consulting services, particularly in AI and go-to-market initiatives. Private Equity Chad identifies private equity and services firms (white and blue collar) as the two primary industries with high demand for consulting services. Chad explains the growth of private equity and its focus on due diligence and value creation initiatives. Chad discusses the impact of AI on due diligence, including commercial, operational, and technology due diligence. He  highlights the demand for consulting services in white and blue collar services firms, driven by private equity investments.  Areas of High Demand Chad transitions to discussing functional areas with high demand, starting with AI. Chad identifies AI as the number one functional area with high demand, focusing on increasing productivity and refocusing employees on high-value interactions. Chad explains the two types of AI consultants: AI strategists and AI implementers, and their roles in AI enablement. Chad discusses the importance of AI in various consulting projects and the need for consultants to embrace AI. Chad highlights the demand for go-to-market consulting initiatives, including CRM redesign, sales process redesign, and AI-powered territory optimization. Chad emphasizes the importance of understanding AI from a go-to-market perspective and the increasing demand for AI expertise. The Role of Transformation Consultants in PE Chad shares two AI use cases: an AI tool for a large international bank to automate research tasks and an AI sales planning platform for a pharmaceutical organization. Chad explains how AI automates repetitive tasks, allowing humans to focus on high-value interactions. Chad discusses the role of transformation consultants in private equity, emphasizing the need for a track record of getting things done, strong EQ, and analytical skills. Chad highlights the importance of influencing without direct authority and the analytical competencies required for transformation roles. Maximizing Opportunities Chad provides tips for client development with private equity firms, recommending reaching out to portfolio operations teams and deal partners. Chad identifies supply chain optimization and manufacturing footprint optimization as areas with declining demand due to the shift towards growth initiatives. Chad emphasizes that while some areas may have softened, there is still demand in most specialties. Chad discusses the relatively easy process of filling board roles and the limited demand for board searches. Chad advises independent consultants on positioning themselves to transition back to global firms, recommending reaching out to former colleagues and partners. Chad concludes by encouraging consultants to embrace AI and stay updated with market trends to maximize their opportunities. Timestamps: 03:48: Chad Oakley's Introduction 23:14: Market Overview  31:08: Consulting Market Phases and Current Trends  39:47: Industries and Functions with High Demand  47:19: AI and Go-to-Market Consulting Demand  55:24: AI Use Cases and Transformation Roles  1:03:43: Declining Demand Areas and Board Roles  This episode on Umbrex: https://umbrex.com/unleashed/651-current-state-of-the-consulting-market-in-2026/ Unleashed is produced by Umbrex, which has a mission of connecting independent management consultants with one another, creating opportunities for members to meet, build relationships, and share lessons learned. Learn more at www.umbrex.com. *AI generated timestamps and show notes.  

Zig Ziglar said, “Lack of direction, not lack of time, is the problem. We all have 24 hours a day” When you know where you are going and what you want, you will often find that time will take care of itself. Yet when we have no direction, no idea of what we want, and allow other people to dictate what we do and when, that's when time, or rather a perceived lack of it, becomes the issue.  Today, we're looking at how to discover our direction and decide what we actually want.    Links: Email Me | Twitter | Facebook | Website | Linkedin   The COD Productivity Method  Learn more about the Quiet Productivity Method here Get Your Copy Of Your Time, Your Way: Time Well Managed, Life Well Lived The Working With… Weekly Newsletter Carl Pullein Learning Centre Carl's YouTube Channel Carl Pullein Coaching Programmes Subscribe to my Substack  The Working With… Podcast Previous episodes page   Script |422 Hello, and welcome to episode 422 of the Your Time, Your Way Podcast. A podcast to answer all your questions about productivity, time management, self-development, and goal planning. My name is Carl Pullein, and I am your host of this show.  One of the first exercises I ask people to do in many of my training programmes is to establish their Areas of Focus.  There are eight areas that we all share. These are: Family and relationships. Career or business Health and fitness Finances Lifestyle and life experiences Self-development Spirituality Life's purpose The exercise has you define what each of these means to you, and then identify any recurring tasks that will help keep them in balance so that you are living your life based on what you have identified as important to you.  The thing about your areas of focus is that, while we all share the same eight areas, how we define and prioritise them will differ.  This also changes depending on where you are in life. For someone who has retired, career or business will likely drop in priority and lifestyle and life experiences may move up.  Yet the power of knowing what your areas of focus mean to you is in how they help to give you direction and purpose.  This week's question is about how to maintain that balance when competing demands outside of your control clash with your own priorities. So, let me now hand you over to the Mystery Podcast Voice for this week's question.  This week's question comes from Annie. Annie asks, hi Carl. I use the Time Sector System, and for the most part it works brilliantly. The problem I have is that my boss and sometimes my family keep demanding my help with things that are not my priority. How can I stay on track with the things that are important to me?  Hi Annie, thank you for your question.  This can be very frustrating, particularly if you have spent time establishing what is important to you, yet other people keep trying to pull you away from doing the things you want to do. This is where having some structure built into your week can help.  Let's say that health and fitness is high up on your priority list and that you have chosen to exercise three times per week.  From that, you can pick your exercise days. These could be Monday, Wednesday and Friday, for example.  The first step would be to lock these “dates” on your calendar. Then make sure they are non-negotiable.  For instance, when I was a teenager, I was a competitive 800- and 1,500-metre runner. I was a member of an athletics club and our training days were Tuesday and Thursday evenings and Sunday mornings. Those days and times were non-negotiable. I would never miss a training session. My social life, as well as studying for my exams, were built around these days.  Pretty soon, everyone in my family circle, as well as teachers, knew that on Tuesday and Thursday nights and Sunday mornings, I would not be available for anything. I was training.  Many years later, when I went to university, I did night school. Our lecture times were Tuesday and Thursday night, 6:00 to 9:00 pm.  I was working full-time at the time, and since it took 20 minutes to get from my office to the university, I had to leave the office at 5:30 on Tuesdays and Thursdays.  I made sure my boss and colleagues knew these times, and not once in four years do I remember missing a lecture.  I made sure I never scheduled meetings beyond 4:00 pm on a university day, and my close friends and family also knew when I would be at university. University was easier than the running club. The university worked in semesters; my athletics club didn't. I remember some of my training partners turning up on Christmas and New Year's Day if they were on a training night.  There's an old saying, “If it's important enough, you'll find the time. If it's not, you'll find an excuse” And having worked with over 500 people in the time management and productivity space, I can tell that old saying is true.  You will find what is important to you by looking at what you will not negotiate on.  I have a friend who is a huge Manchester United fan. He has not missed a home game in over twenty years. It's now become a point of pride for him.  As soon as the new season's fixtures list is published, he opens up his calendar and blocks the time out for the whole season.  I remember early on, when Simon began going to Old Trafford, trying to persuade him not to go watch the game and instead to come out with us. The answer was always “no”.  After a while, we stopped asking him. We know he'd go to Old Trafford and maybe, if it was an afternoon game, he would join us later. That was the best compromise we could get out of him.  Looking back now, I have huge respect and admiration for him for sticking to his priorities.  And that's what happens when you stick to your priorities: people respect and admire you.  It doesn't happen immediately, but when they see that you do not compromise on what you have prioritised, they stop trying to pull you away.  This is why time blocking, when done right, works.  Everyone in my circle, from my wife to the people who work with me, knows that between 9:30 and 11:30 am, I am doing focused work. For the most part, that work will be my creative work: writing, recording videos or this podcast, for example.  No one interrupts me anymore. They used to. But by sticking to my plan, people left me alone.  It's only two hours a day, but those two hours add up to 10 hours a week. And you can do a lot in 10 hours.  But it's not just that you stick to your plan; it's also that it gives you confidence when you plan your week.  When you know that no one will bother you when you are doing your focused work, you can confidently work with the hours that you have.  Most of the anxiety that we feel is not caused by the volume of work we have to do; it's caused by not knowing when we will be able to do it.  Yet there's a fix for that.  Let's say you have to review and report the sales figures to the CEO each day. As you do that task every day, you will know how long it takes you to do. In this example, you know it takes you 45 minutes, and you have to send the report in by 5:00 pm.  Now you have the two most important numbers.  When you begin the day, you have access to yesterday's sales figures, so you have everything you need.  That means the question becomes, when will you do it?  If that were me, I would do that as soon as the day begins. Get it done early so that if anything goes wrong in the day, it won't matter. The sales report is done and only needs to be emailed.  And in many ways, that's what you are doing. You're analysing how long it takes you to do the different parts of your job on average and then using that data to decide when, and if necessary, how often you need to do it.  This is like taking your game from being a Sunday League team to being a Premiership team.  The Sunday League team turns up and plays. No thoughts about tactics or strategy other than to score more goals than the opposition does.  A Premier League team strategises, has a plan, and sticks to it. If they go behind, they stick to the plan. They don't panic.  I recently watched a docuseries on Amazon called All or Nothing. In this particular programme, José Mourinho has just taken over as manager of Tottenham Hotspur.  In one of his first games in charge, Tottenham go behind in the first half and panic. They forget the plan, and everything begins falling apart.  At half-time, you can see Mourinho calming the players down. He tells them to stop panicking and to follow the plan. He talks to them gently and says when they get back on plan, they'll soon find a way back into the game.  And sure enough, that's exactly what happens. In the second half, Tottenham are more relaxed, more controlled, and they win the game by three goals.  In our lives, there's always going to be interruptions and demands from others. Some of them you can politely decline, others perhaps not.  When you cannot decline, because it's a demand from a boss or a family member, the good thing is the decision is made. You need to do what's being asked of you.  The key is not to throw out your plan. The key is to get back on plan as quickly as possible.  The worst thing you can do in these situations is to panic. That tenses you up, and you stop thinking objectively. Instead, accept, adjust and execute.  Accept the situation for what it is. It's something you have to do that you did not plan for. So, adjust your plan. Appraise how much time will be required to carry out the new instructions, and then change your plan accordingly.  Then carry out the work.  It's helpful if you have a few non-negotiables. For instance, experience has taught me that if I do not spend some time each day on my emails and messages, these will quickly get out of control.  Ideally, I like an hour to respond to messages and emails, but if I've had to adjust my plan, I'll do 30 minutes. It just helps keep things under control and doesn't mean I have to find more time tomorrow than I planned for.  The most important thing, though, Annie, is that you first decide what is important to you and what is not. This will help you to make the right decisions each day. That's why going through the Areas of Focus exercise will put you in a much better position.  You will know what is important to you, and you can build your calendar around those priorities.  After that, when things are demanded of you that you cannot decline, stay calm and composed and adjust your plan accordingly.  It's never the end of the world, and as long as you get back onto your plan as quickly as possible, you'll soon find that at the end of the week, you're not far from where you wanted to be.  I hope that has helped. Thank you for your question, Annie, and thank you to you, too, for listening.  It just remains for me now to wish you all a very, very productive week.   

House prices don't just go up and down. Sometimes they get ahead of themselves.In this episode, Ed and Andrew count down the 5 most overpriced property markets in New Zealand for 2026.You'll learn:Top 5 most overvalued areas in New Zealand right now Why investors are still buying in a district that's 34% overvaluedThe #1 area most at risk of a property price crashThe surprising part? The area at the top of the list probably isn't the one you're thinking of. And some of the places investors love most made this list for a reason.Book a meeting⁠⁠⁠⁠⁠⁠⁠⁠ to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠

Featured on WGN Radio's Home Sweet Home Chicago on 06/20/26: Kyle Erdmann from Erdmann Outdoor Living joins the show to help you create a more enjoyable outdoor living space. Kyle discusses ways to extend the use of patios, decks, and covered outdoor areas with features like ceiling fans, heaters, misting systems, bug screens, and strategic […]

It's trivia with some Very Important People on Go Fact Yourself!  For years Timothy Simons was known for playing the deeply unpleasant character Jonah Ryan on the HBO series “Veep.” He'll tell us what it's like to finally play a nice guy on the Netflix show “Nobody Wants This.” Tim can also be heard on Second in Command: A Veep Rewatch Podcast. Vic Michaelis is an actor and improviser who's a regular presence on Dropout TV. But one of their most proud roles is getting to star in Round and Round; it's a Hallmark holiday movie… and that holiday is Hanukkah. Areas of Expertise: Tim: The TV show “The Wire,” Chicago theater in the early 2000s, and Tiger Woods. Vic: The movie Twister, the 2011 Tony awards, and LEGOs. What's the Difference: Human Beans What's the difference between a humane act and a humanitarian act? What's the difference between soy beans and edamame? With Guest Experts: David Javerbaum: Tony-nominated and Grammy and Emmy-winning writer who co-wrote the opening number to the 2011 Tony awards. Sonja Sohn: Award-winning actor and filmmaker who's known for playing Detective Kima Greggs on “The Wire.” Hosts:  J. Keith van Straaten Helen Hong Credits: It's always a good time to go to maximumfun.org/joingofact to support this show and get monthly bonus episodes. Theme Song by Jonathan Green. Maximum Fun's Senior Producer is Laura Swisher. Co-Producer and Editor is Julian Burrell. Additional editing by Valerie Moffat. Seeing our next live-audience shows by YOU! Help support this show and unlock bonus content! Become a member at https://maximumfun.org/joingofact

Why are men's sensitive areas so exposed?

Al and Jerry: Knicks parade highlights, why are men's sensitive areas so exposed? And, was Al a loser in high school?

  Welcome back to the  Dr. Mary Travelbest Guide podcast. I returned from another 90-day journey around the world, and I'm excited to connect with fellow solo travelers, share experiences, and help build world peace, one person at a time. The FAQ is: Do you feel isolated as an American traveling now?  I've been solo traveling quite a bit over the past year, and I've noticed a trend. There have been multiple times when people in a group have discussed where they're from and asked questions about each other's countries. And then it gets to me, and I say the US, and it goes silent until the conversation moves on to someone else. It happens in hostels and bars. In fact, I've had multiple times where I say I'm American and the person will just instantly walk away. I know my country has done awful things that have earned this reputation. It's just disappointing that it creates a slightly isolating feeling at first. Luckily, I've had experiences where people have been really friendly, and I hope to have more of those. Has anyone else had similar experiences? I want to make it clear to those from the United States that they should not let this discourage them. The majority of my interactions don't go this way. I'm posting because I've had repeated, small incidents in several countries and want to see if others have noticed a pattern. Even when they happen, they've never felt more than just passive-aggressive.   60-second confidence challenge Your challenge today, the Confidence Challenge in Johannesburg, is safety.    If you like today's Confidence Challenge, my book series delves deeper into how to feel safe when you travel alone. I also discuss my safari in Kenya, part of East Africa. You may want to book a safari in South Africa and read the book as you move through the 5 steps to solo travel, from easy to more challenging, with tips on foreign-language communication. You can find the series at the link in the description.    See Book A for addressing this concern.  Find it on the website​​ at https://www.5stepstosolotravel.com/ or on Amazon. It's a several-part series. Today's destination is Johannesburg, South Africa. Today, we're talking about Johannesburg, or "Joburg," a place that may not feel easy at first—but that's exactly why it matters. We will cover the Apartheid Museum, Soweto, Mandela, soccer, Maboneng, Rosebank, and Sandton. We'll also tell you about a good tour guide and how to get informed. Let's be clear: this is not a relaxed, wander-anywhere kind of destination. But if you approach it thoughtfully, it becomes one of the most eye-opening cultural experiences you can have. So let's walk through what's worth your time and what requires your attention. Johannesburg is not built for tourists—it's built from history. Gold mining in the 1800s created the city. Apartheid shaped it. And today, you feel both, everywhere. You'll notice: Stark contrasts between wealth and poverty Gated neighborhoods, security systems, and guarded homes Areas where the infrastructure feels inconsistent And if you're willing to see it clearly, this city teaches you something few others can. The Apartheid Museum If you are on a solo or group tour, start here. Not optional. The Apartheid Museum is one of the most powerful museums in the world. You don't just read history—you walk through it. Give yourself at least 2–3 hours. And be ready—it's emotionally heavy. Soweto + Mandela's Legacy   Next, visit Soweto—short for "South Western Township." Soweto is where history becomes personal. Before your trip, if you can, read Mandela's book, The Long Walk to Freedom. https://www.imdb.com/title/tt2304771/   Walk down Vilakazi Street—home to both Nobel Peace Prize winners from the area. Nelson Mandela Desmond Tutu Visit the Nelson Mandela House, now a museum. You'll see: Local life Street vendors Music, dancing, and community But go with a guide. Not optional. There were small fires in the neighborhoods along the roadside, and some traffic lights were not working. Be aware, but be ready to learn.   Want to see a Soccer game while here? There are two teams you can watch at home games.   Johannesburg-based Soweto giants Orlando Pirates play home games at  Orlando Stadium, which the City of Johannesburg owns. While Carling Black Label has recently partnered with Kaizer Chiefs as a sponsor, the teams' major sponsors historically have included Vodacom and others.   https://www.espn.com/espn/story/_/id/43608195/what-soweto-derby-why-kaizer-chiefs-orlando-pirates-south-africa-most-popular-teams   Head to Maboneng, Johannesburg's creative district. Think: Street art Local designers Live music Markets like The Playground It's one of the few places where you can walk more freely—but still stay aware. Grab a meal, enjoy the vibe, but don't linger alone after dark.   Now, let's visit Rosebank + Sandton (Modern Johannesburg)   If you're wondering where things feel familiar—this is it. In Rosebank: Visit the arts and crafts market Browse local goods safely In Sandton: Upscale shopping Restaurants Hotels like Marriott Global brands like Apple and Nike It's polished—but don't confuse that with the whole city. A few dining places to consider: Pata Pata in Maboneng Salvation Café https://www.salvationcafe.co.za/ Looking for a travel guide in Johannesburg? Here's a suggestion. Beck N Coll. Benoni is Colleen Becker's hometown, just outside of Johannesburg. Her grown Son is Calvin. She's married to Glenn. "Beck n Coll "is their travel company name.  Through other means,nsuch aske Servas and Host a Sister, they have had 70-plus guests so far. Help them by booking your trip with them. Here is the website for more info. This episode is not a sponsored post. They can book you on a safari tour as they are experts here.   https://www.beckncoll.co.za/ https://www.instagram.com/hostasister/ Here is more on Host A Sister. It's  a global Facebook community connecting women worldwide to share homes for free, fostering friendship, cultural exchange, and safe, budget-friendly travel. Members (women and non-binary individuals) offer accommodation, local meetups, and travel advice without monetary exchange, ensuring it remains a non-dating platform, and I used it here. I met Colleen through Servas, and she told me about Host a Sister, which I used later in my 90-day trip. Let's summarize and add value with my reality check: Not every place will feel intuitive or walkable—plan your stops. You'll hear "be careful," and you should question what that actually means. Here's the reality: Do not travel alone at night Use Uber or arrange drivers Stay in known areas (Sandton, Rosebank) Avoid spontaneous wandering Keep your phone out of sight in public But also, don't assume constant danger. Many travelers report no issues when they stay aware and structured, like me. This guidance is not fear-based travel. It's informed travel. Johannesburg is not about comfort. It's about understanding. You will see: Inequality Resilience Creativity   My missteps: Wrong Airport in Johannesburg   Travel Mistake to Avoid    I should have booked Johannesburg's other airport from Cape Town. I didn't realize there were two airports, and I picked the cheaper one. I ended up on the wrong side of town and had to Uber from the airport to the train station. Then I got on the train and got to my destination.   So, in the end, I did not save any money.   Check the airport before you book Safari Air!   Thanks for listening, and I'll see you on the next journey. AI was used to select some of the suggestions for this episode.   Connect with Dr. Travelbest 5 Steps to Solo Travel website Dr. Mary Travelbest X Dr. Mary Travelbest Facebook Page Dr. Mary Travelbest Facebook Group Dr. Mary Travelbest Instagram Dr. Mary Travelbest Podcast Dr. Travelbest on TikTok Dr.Travelbeston YouTubee In the news  

Redblacks analyst Jeff Avery on the 2nd week bye week, where they want to improve in their second game, Jake Maier's week 1 performance, and the Argos.

Tonight's primary results provide a further peek at what midterms could look like for Democrats. Plus, Ali sits down with award-winning musician @bobbypulido425  to discuss his campaign for Texas's 15th District. Democratic Gubernatorial nominee Dr. Amy Acton, Kabir Khanna, Abby Livingston, Adam Mockler, legendary musician-turned-democratic candidate Bobby Pulido join The 11th Hour with Ali Velshi         To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailThis week we have two special guests and discuss the facets gatekeeping on social media here in Florida.  Gatekeeping is often posting images or video of an area without disclosing the location. Our guests are:Tessa Skiles, who is a conservationist, underwater photographer/cinematographer, and impact producer known for her evocative, immersive storytelling that reveals the beauty and vulnerability of one of our planet's most elusive and misunderstood natural resources: groundwater.Josh, aka FloridaGuideJosh, is a wildlife photographer and content creator sharing authentic stories from the natural world. While Florida's springs and waterways are home base, the work extends wherever wild places and meaningful stories exist.Please subscribe!  Shares and reviews are much appreciated!Get your FREE sticker from the Florida Springs Council and sign up to be a springs advocate at https://www.floridaspringscouncil.org/madcapsQuestions and comments can be emailed at thefloridamadcaps@gmail.comRyan can be found on Instagram at:  https://www.instagram.com/the_fl_excursionist/Chris and Chelsey can be found at https://www.instagram.com/sunshinestateseekers/?hl=en

The episode “CRA: The Importance of Assessment Areas” explains why a bank's CRA assessment area is one of the most important decisions it makes, because it directly affects both performance results and the benchmarks examiners use during CRA reviews. Len explains that while CRA rules require banks to include whole census tracts, deposit-taking facility areas, surrounding lending areas, and avoid excluding low- or moderate-income tracts, banks still have flexibility to define the area they can reasonably be expected to serve. The discussion emphasizes that overly large assessment areas can set banks up for poor CRA performance, even when the area is technically compliant, because the bank may be compared against markets it cannot realistically serve. Len gives an example of a one-branch bank in Los Angeles County that improved its CRA position by narrowing its assessment area to nearby census tracts where it actually lent and served customers. The episode concludes that banks should regularly review their CRA assessment areas, especially after branch changes or acquisitions, using mapping tools and performance data to ensure their areas are compliant, realistic, and aligned with their actual community lending activity. Brought to you by GeoDataVision and M&M Consulting

Dr. Carole Keim takes listeners through one of the earliest and most important decisions in pregnancy: choosing the right support team. In this solo episode, she explains the differences between obstetricians, certified nurse midwives, and doulas, helping parents understand the unique role each plays during pregnancy, labor, delivery, and postpartum recovery. Dr. Keim also walks through the typical timeline of prenatal visits, ultrasounds, testing, and vaccines, giving expectant parents a practical overview of what to expect from the first positive pregnancy test through delivery. With her warm and reassuring approach, Dr. Keim also explores what labor and birth are really like beyond what's often portrayed in movies. She discusses birth plans, labor support, cervical checks, fetal monitoring, inductions, C-sections, and postpartum healing, while emphasizing that every pregnancy and birth experience is different. Parents will come away with a clearer understanding of how to build a supportive birth team and how to prepare emotionally and physically for welcoming a new baby.  Key Moments 00:00 Introduction to OBs, midwives, and doulas 02:17 Pregnancy tests and scheduling the first prenatal appointment 03:35 The 8–12 week visit, ultrasounds, and viability checks 05:35 The 20-week anatomy scan and fetal development 07:53 Glucose tolerance testing and gestational diabetes screening 10:16 Vaccines during pregnancy: Tdap, flu, COVID, and RSV 12:29 Breech babies, turning procedures, and planned C-sections 14:58 Routine late pregnancy visits and induction discussions 16:15 Certified nurse midwives vs obstetricians 20:07 What doulas do during pregnancy, labor, and postpartum 24:23 Birth plans, labor positions, and creating a calming environment 27:13 Labor monitoring, cervical checks, and delivery interventions 31:59 Postpartum healing, recovery, and spacing pregnancies 35:23 Final thoughts and additional resources for parents __ How to choose an OB or midwife  OBs, family doctors, and midwives can deliver babies Group practices are pretty standard nowadays; meet your main doctor/midwife but also meet the team who might be delivering (either other people in the office or a laborist) Personality fit is a big deal Obstetricians and family doctors are medical doctors.  Their training involves 4 years of undergrad, 4 years of medical school, and 4 years of residency (12 years total). There are two types of midwives: lay midwives and CNMs. Lay midwives are those who have experience delivering low-risk babies out of the hospital, typically at home.  They have no certification or licensure requirements, and no formal medical training.  Home births with a lay midwife are by far the most dangerous and I have seen some bad outcomes and cannot ethically support them.  When I speak about midwives during this episode, I am not including lay midwives. CNMs are required to have a bachelor's degree in nursing (4 years of undergrad), then 2 years of graduate-level nurse midwife training (6 years total). The main differences are the knowledge base and the approach to care. Doctors Nurses OBs, family doctors, and midwives can see you during your pregnancy and can deliver babies vaginally. Only OBs can perform c sections and take care of high-risk pregnancies (moms under 18yrs or over 35 years, those with health conditions, those with prior c-section, twins/triplets Birth location OBs deliver in hospitals because it is the safest setting Midwives can deliver at hospitals, birth centers, and/or at home depending on the local regulations Timing of appointments   In the US, the number of weeks starts at the beginning of your last period, so when you miss a period and test you are 4 weeks pregnant Ovulation and fertilization happen at 2 weeks, so you aren't actually pregnant until then, but we are counting from LMP In the US, the due date is at 40 weeks In other countries they may count dates starting at conception/ovulation, so the due date is at 38 weeks Initial appt: 6-8 weeks or whenever you find out you're pregnant, whichever is later First trimester (until 12 weeks and 6 days): you'll be seen 2-3x; initial confirmation appt, 6-8 weeks for dating, 10-12 weeks for NIPT. Blood testing and urine testing for STIs, drugs, ultrasound for dates, hear heartbeat, NIPT (check out the genetics episode 503) Second trimester (13 0/7 to 27 6/7): appts about every other week, anatomy scan, testing for gestational diabetes, further genetic testing and/or ultrasounds if indicated. Third trimester (28-40 weeks): appointments every 2 weeks, then weekly starting at 38 weeks.  Check urine for protein (a sign of pre eclampsia) at each visit.  GBS screen.  RPR on admission to hospital. Postpartum: 2 weeks and 6 weeks High-risk pregnancies will be seen more often.  A pregnancy can become high risk at any time. Doula What they can do: emotional support, physical comfort during labor and delivery. What they can't do: anything medical, including deliver babies. Reasons you might want one: to keep you as comfortable as possible during labor; they can get you food/water/ice chips, rub your feet or neck if you want, call the nurse for you, crowd control, can articulate your preferences while you're in labor, possibly also attending to partner during delivery Reasons you might not want one: expense, privacy, not needed if you have a support person Birthing options / Birth plans Birth plans How you want your birth experience to be Birth is a very tenuous process and doesn't always go according to plan.  A birth plan is a nice outline of preferences, if you have any. If you are planning a vaginal delivery, keep in mind that your birth team has the main objective of having a healthy mom and baby.  If your provider says that something needs to change during labor or delivery, there is usually a medical safety reason for that change. Scheduled C-Sections Reasons you might be scheduled for a C-section: repeat, breech baby, twins/triplets, high risk for underlying medical conditions in you or the baby.  Scheduled C-sections typically have a shorter birth plan: music in the operating room one support person in there with you will the support person go with the baby or stay with mom when the C-section is over? Even if you're scheduled for a C-section, you might go into labor early and need an urgent or emergent C-section before the scheduled date. Scheduled inductions  Reasons you might be scheduled: post dates, pre eclampsia, gestational diabetes, specific high-risk pregnancy reasons There are a few ways to induce labor, including medication taken by mouth or placed in the vagina to help open the cervix, IV medication called pitocin which causes your uterus to contract, and placing something such as a stick that absorbs fluid and expands or a balloon that is placed by your provider in the cervix to help it open Less to plan, but the same as for vaginal delivery. Mixed evidence as to whether scheduled inductions are more or less likely to end in C-section Vaginal delivery If you fully go into labor naturally, meaning you have contractions every 3-5 minutes lasting 1 minute each and your water breaks, you may need no intervention at all. Areas to plan: People who will be there Environment: music, smells, lighting, etc Comfort measures / pain relief - birth ball, shower, tub, squat bar, etc Words to use or to avoid Position for labor/delivery Mirror during delivery Plans for the placenta Newborn procedures: skin to skin, eye drops, vitamin K, Hep B, circumcision, timing of first bath, breast/bottle/both Who is allowed after baby is born and how they will be notified Check out The Baby Manual on Amazon.  It will give you peace of mind when your new baby arrives.   __  Resources discussed in this episode: The Holistic Mamas Handbook is available on Amazon The Baby Manual is also available on Amazon __ Contact Dr. Carole Keim MD Website: CaroleKeim.com Linktree TikTok Instagram   ---FullScriptUse this link to get 10% off and free shipping for orders over $50.HIRO DiapersUse code DRCAROLEKEIM for a discount at checkout. Click here. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you struggling with finding your passion? Listen to this Billion Dollar Babie conversation with Valerie Mya on why investing time in what you love matters more than validation. In this episode, we sit down to discuss the practical application of universal laws and how they relate to your daily life choices. If you feel stuck in a routine that lacks meaning, this discussion focuses on how to prioritize internal satisfaction over external expectations. We break down the mindset shifts required to stop chasing approval and start building a life based on genuine interest. Whether you are looking for career fulfillment or simply trying to align your daily habits with your true self, these insights offer a fresh perspective. We explore the core principles of finding your passion without the noise of modern societal pressure. By the end, you will have a clearer understanding of how to apply these universal laws to your own journey toward purpose. Instagram https://www.instagram.com/billiondbabiehttps://www.instagram.com/taruhhhhttps://www.instagram.com/valeriemyaTik Tok https://www.tiktok.com/@billiondbabie CHAPTERS: 00:00 Introduction00:22 The Law of Fill Explained01:46 How to Apply the Law of Fill03:00 Ego vs Soul Purpose07:47 How to Discover Your Purpose10:01 Why Success Never Feels Like Enough11:53 The Law of Reflection12:35 Anxiety, Emotions & The Nervous System15:50 Energy Sensitivity & Intuition18:04 What Anxiety Is Really Telling You21:34 Intrusive Thoughts Explained24:14 Psychedelics, Fear & Spiritual Growth28:58 The 8 Areas of Life29:55 Relationships as Mirrors33:18 Personal Growth vs Self-Acceptance36:06 Valerie's Favorite Universal Law41:53 Universal Laws Everyone Should Know43:45 The Inside-Out Voice Law44:10 The Spiritual Truth About Money47:57 How Wealthy People Think About Money52:05 Why You're Stuck at the Same Income Level55:20 Soulmates, Twin Flames & Relationships1:00:00 Love, Validation & Emotional Fulfillment1:05:00 How to Stop Needing External Approval1:10:00 Healing Relationship Patterns1:15:00 Creating a Life That Feels Aligned1:20:00 Final Thoughts & Takeaways #Spirituality #PersonalGrowth #LawOfAttraction #Manifestation #AnxietyHealing Learn more about your ad choices. Visit megaphone.fm/adchoices

Anyone that has undergone the ambitious task of Implementing an ISO Standard will know how much work goes into creating and maintaining a single ISO certification. Now imagine juggling seven ISO certifications! There's a key difference between those that simply collect badges and those that see the value each ISO certification can bring, as every Standard has their own requirements and guidance to tackle specific areas of quality, risk and sustainability. When implemented well, they create a solid well-rounded framework that can drive unparalleled continual improvement. In this episode Ian is joined by Damian Edwards, Head of Standards at Wavenet, to dive into how they manage the mammoth task of maintaining seven ISO Standards, the challenges with managing multiple ISO certifications and what benefits they've brought to the business since implementation.   You'll learn ·      Who is Damian Edwards? ·      Who are Wavenet? ·      How did Damian manage integrating management systems during Wavenet's acquisition of Daisy Corporate Services? ·      What is Damian's role at Wavenet? ·      How do Wavenet manage their ISO certifications? ·      How has ISO Support helped you over the past year? ·      What has Damian learned while managing ISO Standards? ·      What are the benefits of ISO certification? ·      Damain's top tip for anyone considering ISO Implementation   Resources ·      Wavenet ·      Wavenet Certifications ·      Blackmores – ISO Support Service ·      Isologyhub   In this episode, we talk about: [00:30] Episode Summary – We welcome Damian Edwards back onto the podcast to discuss how he maintains Wavenet's seven ISO certifications, and the explore the benefits gained from an integrated ISO Management System.   [03:05] Who is Damian Edwards? Damian is the Head of Standards at Wavenet, and has featured on the ISO Show before! One lesser known fact about Damian, is that he a 'Dance dad', supporting his daughter through all of her lessons and competitions. He's very proud of her latest achievement of qualifying for the World Championship for Irish dancing in her age group. [05:05] Who are Wavenet? Wavenet is an IT provider, providing IT network communications, security and resilience services. They are UK based with 1,600 employees based in their Solihull head office. Wavenet were formed in 2000, but have grown through acquisition, one of which was Damians previous company, Daisy Corporate Services. When Daisy was acquired, both businesses were of a similar size, so the process looked more like a merger in practice. A large part of that was uniting the ISO Standards managed by both businesses, so Damian had his hands full with ISO integration, amending audit schedules and managing extension to scope audits. [06:30] How did Damian manage integrating management systems during Wavenet's acquisition of Daisy Corporate Services? One of the biggest challenges was the extension to scope that needed to happen due to the increase in sites. Thankfully, as Wavenet were used to acquisitions, they had dedicated acquisition project managers that assist with managing the integration. At the start, there are some teething problems as both businesses will still be using their respective processes for a while. However, once system that helped was a system called 'ServiceNow', which is where issue tickets could be logged, monitored and actioned in one centralised system. [08:15] What is Damian's role at Wavenet? Damian is the Head of Standards, which includes both ISO Standards and ESG related regulatory compliance. ISO certifications are more often than not a prerequisite or a condition of a bid over a contract, without them, Wavenet wouldn't win any business. They also create a foundation of trust for Wavenet's clients in the realms of Information Security, quality and environmental management. Wavenet are currently certified to the following Standards: ·      ISO 9001 Quality Management ·      ISO 20000-1 Service Management ·      ISO 27001 Information Security Management ·      ISO 22301 Business Continuity Management ·      ISO 45001 Health & Safety Management ·      ISO 14001 Environmental Management ·      ISO 50001 Energy Management In addition to maintaining all of these certifications, Damian also strives to utilise them to drive continual improvement within the business.   [10:30] How do Wavenet manage their ISO certifications? Damian is directly responsible for five of those ISO Standards, however there are some where he doesn't have the expertise to fully manage the requirements. ISO 27001 and ISO 45001 for example require skilled people at the helm, so Wavenet have dedicated managers to handle those areas. One of Damians key responsibilities is juggling all of the audits to make sure each element is covered, and he's put a lot of work into integrating those audits where possible to get the most out of their time and resources. Though, it's important to note that you can't integrate everything, as each standard will have some unique requirements. Areas that you can integrate however include elements such as: ·      Context ·      Audit Programme ·      Corrective Actions When you do have a lot of Standards, some elements can get watered down if you try to integrate everything. Policy for example, if you have five Standards and decide to integrate all related policies into a single document, it will become long and unruly, which will lead to people unwilling to read it. So, you have to take care to ensure focus on certain elements to make those more accessible for the staff that need it. Another aspect that needed additional consideration was Wavenet's risk profile, with their amount of sites and services, it's very varied. Too much for a single person to be aware of all the risks, which is where Damian's subject area experts can provide additional insight to fill the gaps. Damian is also keen to combine external audits where possible to both reduce cost and possible duplication of effort, as many Standard do share common subject areas, this can be done across multiple Standards. Certification Bodies are usually quite happy to work with you on this! Damians key take away is, that there isn't one solution that fits every business when managing this many Standards. It was a very trial and error process, especially with the ever changing landscape of a business, but Standards are also designed with flexibility in mind, so with the right people in place it's certainly manageable. [16:05] How has Blackmores' ISO Support helped? Blackmores has assisted Wavenet with their ISO 45001, ISO 50001 and ISO 41001 (Facilities Management) implementation. ISO 41001 was later dropped as it was no longer applicable for the business. Standards can be quite hard to apply to your own business when looking at them at face value, the requirements sound generic because they're designed to apply to every type of business. This is where Blackmores experience as a consultancy can help with interpretation and practicalities of how a Standard will apply to your way of working. Blackmores will also assist with internal audits, which help identify non-conformities that may have been missed if it were not for a fresh pair of eyes. As Damian states: "I would rather have them identified before an external audit" as this gives you a chance to resolve issues or put an action plan in place before it gets to that stage. Damain also reminds everyone to not be afraid of your auditor, internal or external. They are not maliciously looking for problems, they simply help to highlight issues which can be resolved sp you can improve as a business. No Management System is perfect, the important thing is that you can recognise when something needs addressing, and how you go about doing so. [19:30] What has Damian learned while managing ISO Standards? Damian has learned to not think of ISO as a tick box exercise, it's a tool to help businesses improve. He has also learned that you don't need to reinvent the wheel when Implementing a Management System. You likely already have much of what's required in place, but not monitored or organised regularly. For example, aspects such as 'Management Review' may already be happening in existing meetings with top management, you simply need to ensure these are minuted, cover what needs to be discussed in regards to the Management System, and make note of any gaps that need to be addressed. Businesses like Wavenet that have been in operation for 26 years know what they're doing, and are likely already following best practice. You don't need to restructure your business to meet an ISO Standard, but rather integrate the Standard requirements with how you already operate. If done correctly, it should become a simple part of your day-today tasks. Damian jokingly states: "What's my role? I sometimes say it's to do as little as possible", as the more a business is aligned with a Standard, the less you will have to do to upkeep that. [22:55] What benefits have Wavenet experienced as a result of their ISO certifications? As mentioned earlier, a lot of won business is due to ISO certification. Certain certifications are simply a tender or client requirement. Standards such as ISO 50001 tackle their energy consumption. It's focus on reducing that will inevitably lead to reduced business costs. Since implementing the Standard, Wavenet now have monthly meetings to monitor energy use, which gives them a good basis to make informed decisions on where energy use is concerned. Damian has found that over time, good practice has been so embedded that people are using it in their everyday behaviors without even realising it. He's heard people in their resolutions team use terminology like 'root cause' without knowing where it came from. He's seen team making use of skill matrix's when evaluating the competence of certain teams such as engineering for client visits. So, people within the business are using ISO terminology and techniques to ensure best practice without being explicitly asked to. It simply works as a method to drive the business effectively when implemented correctly. [26:15] Damian's top tip for aspiring ISO implementors: Apart from approaching a consultancy like Blackmores to help if it's your first time going through the process, it's got to be leadership commitment. Top management need to be actively promoting ISO within the business, and they should be involved with the process. You need everyone's buy-in to make a system work, and that is made much easier if it's driven from the top down. Another tip is that a Management System should be a team effort. It shouldn't just be the responsibility of one person, you need input from everyone in the business to ensure you've covered all angles and risks that could affect your business. Lastly, look at what you already have in place and try and integrate the Standard into that. Don't make more work for yourself if you don't have to, you likely already have the bones in place. [28:20] Damian's book recommendation: The Thursday Murder Book Club – by Richard Osmond [29:10] Damian's favourite quote? "Hard work beats talent when talent doesn't beat work hard." And: "You miss 100% of the shots you don't take" To learn more about Wavenet, check out their website and keep up-to-date with their latest news via their LinkedIn page. If you'd like any assistance with your ISO Implementation or need any additional ISO Support, contact us, we'd be happy to help. We'd love to hear your views and comments about the ISO Show, here's how: ●     Share the ISO Show on Twitter or Linkedin ●     Leave an honest review on iTunes or Soundcloud. Your ratings and reviews really help and we read each one. Subscribe to keep up-to-date with our latest episodes: Stitcher | Spotify | YouTube |iTunes | Soundcloud | Mailing List

A tribal nation is one step closer to switching on a large solar project in southwestern Minnesota. The Upper Sioux Community installed rows of solar panels to power its casino in 2024. The project means the tribe plans to buy less electricity from its local utility, the Minnesota Valley Cooperative Light and Power Association. The cooperative then threatened to cut off power to the casino. A judge ruled in favor of the tribe in early June. Now, the dispute is up to state regulators to decide. A spokesperson with the Public Utilities Commission said a public comment period is open through July 22 and the commission is likely to take up the issue this fall.Gabriel Chan is a University of Minnesota professor focused on energy policy. He joined MPR News host Nina Moini to talk about how the case fits into the landscape of efforts to transition to renewable electricity across the state.

Your business success isn't about strategy — it's about mindset. Here are the 3 inner shifts every successful entrepreneur must make. Join Grow: https://peggyrejames.com/grow-membershipReady to work less and make more through a scalable business model? Enrollment is open for GROW Business & Marketing Academy - Click here to join.Connect with me on Instagram: @peggyrejamesJoin the community: https://www.facebook.com/groups/sixfigureshiftcommunity/

The Chicago Bears continue reshaping their defense ahead of the 2026 season, and today on Chicago Bears Central, Haize breaks down the Bears signing former NFL linebacker and All-UFL standout Tony Fields II after his strong season with the Columbus Aviators. Can Fields push for a role in a crowded linebacker room featuring Devin Bush, Keyshaun Elliott, Jack Sanborn, and more?Then we dive into one of the biggest pressure points on the entire Bears roster: Dayo Odeyingbo. After signing a three-year, $48 million deal and producing just one sack before suffering an Achilles injury last season, Dayo enters 2026 needing to prove he can be the pass-rush answer opposite Montez Sweat. Ben Johnson says Dayo is motivated and ahead of schedule, but will that translate into production?Haize also breaks down the three key statistics the Bears must improve if they want to truly open their Super Bowl window: Caleb Williams' completion percentage, rushing yards allowed per game, and touchdown passes allowed. If Caleb becomes more accurate and Dennis Allen's defense takes a real step forward, Chicago could be dangerous in the NFC.Topics include:

The sound of regional Australia. News and analysis from the ABC's network of regional reporters.

Send us Fan MailWhat if I told you that one weak password, one phishing email, or one hacked server could disrupt an entire business, hospital, bank, or government system?In today's digital world, cyber threats are everywhere.And standing between those threats and our digital lives are professionals known as Cybersecurity Specialists. In this episode of The Kapeel Gupta Career PodShow, we explore one of the fastest-growing, highest-demand, and future-proof careers in technology.If you enjoy: 

TSN's Mike Johnson on what finally pushed the Hurricanes over the top, Jordan Staal winning the Conn Smythe, Brandon Bussi stepping up, the Golden Knights, and a busy offseason about to begin.

Feeling spiritually stuck? This video will help you identify your next step with God so you can stop feeling vaguely discouraged and start moving forward with purpose.Many Christians want to grow closer to God, but they feel distracted, isolated, spiritually dry, ashamed, unsure how to read the Bible, afraid to share their faith, or overwhelmed by questions. The good news is that God wants to help you get unstuck. James 4:8 says, “Draw near to God, and He will draw near to you.”In this episode, we walk through seven key areas of the spiritual life: Bible knowledge, spiritual disciplines, discipleship, soul care, apologetics, evangelism, and cultural engagement. Each area includes practical questions to help you diagnose where God may be calling you to grow right now.Maybe your next step is reading Romans 8 this week. Maybe it is spending the first five minutes of your day with God. Maybe it is joining a church group, asking for help, writing down your biggest faith question, starting a gospel conversation, or pausing before you post online.Spiritual growth usually does not happen vaguely. It happens specifically, one faithful next step at a time. If you feel spiritually stuck, this video is designed to help you name where you are, receive hope, and take a clear step toward Jesus.SUBSCRIBE to our channel / @binmin_org JOIN the NEWSLETTER at https://binmin.org/newsletter/SUPPORT Binmin with a tax-deductible gift HERE - https://binmin.org/donate0:00 - WHAT'S YOUR NEXT STEP SPIRITUALLY?0:23 - GOD WANTS YOU TO GET UNSTUCK0:58 - YOU ARE NOT DOING THIS ALONE1:10 - THE SEVEN AREAS OF SPIRITUAL LIFE1:21 - BIBLE KNOWLEDGE: KNOWING JESUS THROUGH SCRIPTURE2:27 - SPIRITUAL DISCIPLINES: HABITS LIKE JESUS3:28 - DISCIPLESHIP: FOLLOWING JESUS WITH OTHERS4:29 - SOUL CARE: LETTING JESUS HEAL HURT5:44 - APOLOGETICS: CLEARING THE WAY FOR JESUS6:54 - EVANGELISM: TELLING OTHERS ABOUT JESUS8:03 - CULTURAL ENGAGEMENT: FOLLOWING JESUS IN PUBLIC9:06 - HOW THE SEVEN AREAS MOVE OUTWARD9:28 - PICK ONE AREA9:43 - GET SPECIFIC WITH YOUR NEXT STEP10:08 - SHARE, COMMENT, AND SUBSCRIBENEXT VIDEO COMING IN JULY!!!!!JOIN the⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEWSLETTER⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SUPPORT Binmin with a tax-deductible gift⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CONNECT WITH BINMIN: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Binmin.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Questions?: info@binmin.orgPODCAST RESOURCES: More from Binmin:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Binmin.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe on Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow on Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LEAVE A REVIEW on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple podcasts

The Office of Civil Defense (OCD), says the main focus and efforts are in Sarangani and General Santos City, South Cotabato, near the epicentre. - Ayon sa Office of Civil Defense o OCD, nakatutok sila sa lalawigan ng Sarangani at sa General Santos City sa South Cotabato kung saan malapit ang sentro ng pagyanig

Some of the best opportunities in the Upstate aren't the ones making headlines. Stan shares 10 underrated communities offering everything from mountain living and large acreage to established neighborhoods, strong value, and easy access to Greenville, Spartanburg, and beyond.As always, if you have any questions or comments (or, of course, need a realtor), feel free to reach out to Stan McCune directly by phone/text at (973) 479-1267 or by email at smccune@cdanjoyner.com

Just how rigorous are these fraud checks? Are the Republicans in congress turning on Trump? Getting more litigious is keeping the communists lies in check. Medal of Honor: Brian ThackerFollow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

NEWS: Govt suspends classes in all quake-hit areas | June 9, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

In this powerful episode of Authentic Talks 2.0, we explore three hidden blocks that may be keeping you from the life you desire: unworthiness, fear, and resistance to receiving.Through relatable insights for women, men, and teens, you'll discover how these limiting beliefs show up in everyday life and learn how to begin releasing them. The episode concludes with a powerful affirmation and reflective journal prompts designed to help you identify what's holding you back, uncover its roots, and step into greater confidence, worthiness, and possibility.If you're ready to move beyond self-doubt and embrace the life meant for you, this episode is for you.Host:Instagram: @AuthenticTalks2.0 Email: AuthenticShanta@gmail.com Website: www.AuthenticTalks2.com Facebook: AuthenticTalks2Youtube: @authentictalkswithshanta7489 #AuthenticTalkswithshanta #MindsetTransformation #HealingJourney #KnowYourWorthBecome a supporter of this podcast: https://www.spreaker.com/podcast/authentic-talks-2-0-with-shanta--4116672/support.

Tiffany McGhee and Matt Dmytryszyn discusses the state of the AI trade what demand has on the horizon. Tiffany says the next phase of AI is about the broader ecosystem and investors should be diversifying their AI exposure. Matt believes we're starting to see a broadening use of chips and touches on the areas of opportunity for the AI space. They also breakdown data center buildout falling behind compute demand.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Areas that were previously litter blackspots have made progress in the latest Irish Business Against Litter Survey where Sligo once more comes out as the cleanest town in the country. To go through the results was Conor Horgan the Spokesperson for Irish Business Against Litter .

Go Fact Yourself has a step-by-step plan for entertaining trivia! Stacy Keanan is best known for her work on the sitcoms “Step By Step” and “My Two Dads.” As part of her podcast, Keanan and Lakin Give You Déjà Vu, she's watching the former show for the first time. She'll tell us about that and what it's been like transitioning to a new career… as a state prosecutor. Drew Lynch is a comedian who broke through on “America's Got Talent.” He'll tell us how he thought he won before the show even got started. Plus, we'll learn about how he developed a stutter that didn't derail his stand-up career – it helped it flourish. Areas of Expertise: Stacy: Dog breeds, podcasts about shows I don't watch and outdoorsy stuff I don't do, and hot sauce. Drew: The Indianapolis Colts football team, Neil Simon plays, and Pokémon. What's the Difference: Rocket Man What's the difference between a rocket and a missile? What's the difference between an astronaut and a cosmonaut? With Guest Experts: Jake Anthony and Matt Marr: The voices behind the Reality Gays podcast Dwight Freeney: Hall of Fame NFL player and Super Bowl Champion with the Indianapolis Colts. Hosts:  J. Keith van Straaten Helen Hong Credits: It's always a good time to go to maximumfun.org/joingofact to support this show and get monthly bonus episodes. Theme Song by Jonathan Green. Maximum Fun's Senior Producer is Laura Swisher. Co-Producer and Editor is Julian Burrell. Additional editing by Valerie Moffat. Seeing our next live-audience shows by YOU! Help support this show and unlock bonus content! Become a member at https://maximumfun.org/joingofact

In this episode of the Chasing Giants Podcast, Don Higgins and Terry Peer discuss one of the most misunderstood topics in deer hunting: Why some of the “best” big buck neighborhoods actually become the hardest places to consistently kill mature deer. Don explains: how hunting pressure changes deer movement why mature bucks adapt how his Illinois farm transformed over decades why property layout matters more than reputation The guys also discuss: planting soybeans during a wet spring using Liberty herbicide during same-day planting miscanthus and switchgrass weed control food plot myths spreading online why overcomplicated blends hurt food production listener questions on mature buck strategy Plus: Robin Higgins health update Lester's Feet Texas Hunt Raffle announcement Chasing Giants TV bear hunt update Podcast Sponsors Asio Gear Real World Wildlife Products Hawke Optics Novix Outdoors Midwest Land Group 360 Hunting Blinds Mike's Mighty Micros Gingerich Tree Farms TagOut Technique Grubb Implement Vortex Optics Brenton USA Mathews Archery Victory Auto Group Wildlife Farming WiseEye Technologies © 2026 Chasing Giants Podcast. All rights reserved. This content, including audio, video, graphics, logos, and written material, may not be copied, reproduced, redistributed, or republished in whole or in part without expressed written permission from Chasing Giants Podcast. Unauthorized use of this content is strictly prohibited.

Questions or comments about the show? Click here!Welcome to a very informative episode about April Prevention and America 250 projects with our guests JP Fallou and Marivelle Nunez. They talk today about their 4 Areas of Impact, the importance of local partnerships, how they measure impact, and much much more.  To learn more about the Exchange Club of Las Vegas, click here: https://youtu.be/54HqHhJ7hk4To learn more about the Field of Flags, click here: https://exchangecluboflasvegas.org/america-250-dedication/#dedicateaflagAnd finally, to enjoy today's episode via our YouTube channel, click here: https://youtu.be/b2D9ZFq0_hAThanks for listening!  See you next time!

DOCKET ALERTS:   Judge Brian Murphy blocked termination of TPS for 5,000 Ethiopians.   DHS Secretary Markwayne Mullin will continue Noem's tradition of announcing his intention to violate the law in advance, so as to give litigants a heads up.   Michael Avenatti moves to a halfway house, remains a full-way non-lawyer.   And Democrats overperformed in Tuesday's special elections.    MAIN SHOW:   Crazytimes continue at the DOJ as Trump's goons jockey to replace Pam Bondi. Acting AG Todd Blanche is professing his love for Trump at the podium. US Attorney for DC Jeanine Pirro can't indict a ham sandwich, and juries are telling her to take a hike. Politico says Harmeet Dhillon, head of the DOJ's Civil Rights Division, is in the running for the top job. She's currently trying to indict January 6 Committee witness Cassidy Hutchinson for perjury — which has exactly nothing to do with civil rights. And Dhillon's office keeps losing when she sues states demanding they turn over their voter rolls.    Will Republicans invoke the 25th Amendment to remove Trump from office? (No.) But the fact that we're asking the question shows how far we've come.   And in Tennessee, Kilmar Abrego Garcia is trying to get his human smuggling case dismissed on grounds of vindictive prosecution. Both the government and Garcia filed their briefs this week. The government claims that prosecution started with an article in the local paper, the Tennessee Star. Which is weird because the case was reopened in Baltimore the week before the article was published — and DHS is actually the source of the reporting!   Blanche Steals Bondi's Brown Nose https://lawandchaospod.substack.com/p/blanche-steals-bondis-brown-nose   Justice Dept.'s Civil Rights Division Is Investigating Star Witness Against Trump https://www.nytimes.com/2026/04/07/us/doj-cassidy-hutchinson-investigation-trump.html   Kilmar Abrego Garcia [TN criminal docket] https://storage.courtlistener.com/recap/gov.uscourts.tnmd.104622/   2022 TN Traffic Stop of Kilmar Abrego Garcia Was Day Three of Trip That Originated in Houston, Took Detour to St. Louis, Crossed Trafficking Hubs and Areas with MS-13 https://tennesseestar.com/justice/2022-tn-traffic-stop-of-kilmar-abrego-garcia-was-day-three-of-trip-that-originated-in-houston-took-detour-to-st-louis-crossed-trafficking-hubs-and-areas-with-ms-13/tpappert/2025/04/21/   African Communities Together v. Noem [TPS for Ethiopians] https://www.courtlistener.com/docket/72178312/african-communities-together-v-noem/   Mullin weighs using airport customs as leverage against sanctuary cities https://www.foxnews.com/politics/mullin-weighs-using-airport-customs-leverage-against-sanctuary-cities   Judge Jeanine's Big Audition https://nymag.com/intelligencer/article/judge-jeanine-pirro-attorney-general-trump-jerome-powell.html   Inside the battle to be Trump's next attorney general ​​https://www.politico.com/news/2026/04/09/trump-attorney-general-blanche-dhillion-pirro-00864988   Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod

Melissa Swift, the Founder and CEO of Anthrome Insight, and a practicing consultant and keynote speaker joins Enterprise Radio. She is also the author … Read more The post Effectiveness Architecture and How Individuals can Identify Their Areas of Strength appeared first on Top Entrepreneurs Podcast | Enterprise Podcast Network.

River levels are dropping in the Tasman district, where some places received 700 millimetres of rain over the King's Birthday long weekend. It has felt all too familiar for some people, with the downpours coming almost a year from last winter's devastating floods. Samantha Gee reports.

Hey daar lieve luisteraar, Lou hier. Vanaf Terschelling, waar ik samen met Pascal ons 25-jarig huwelijk vier. De drie domino areas die ik heb gekozen om mijn aandacht op te richten zijn hier trouwens een verrassend fijn onderwerp van gesprek gebleken. Pascal heeft die van hem inmiddels ook helder. Het geeft rust. Focus. Richting. En terwijl ik ermee werk in mijn journal merk ik dat alles met de dag helderder wordt. Een eenvoudige tool. Maar een hele krachtige. In deze aflevering vertel ik je hoe het werkt en hoe je jouw eigen drie domino areas kunt kiezen. In The Local District gaan we deze maand aan de slag met de eerste editie van Bridging the Gap, onze driedelige serie. Deze maand: The Gap is niet wat je denkt dat het is. Aanstaande vrijdag 5 juni hebben we onze eerste live call. Daarin doen we ook samen de somatische meditatie die bij deze maand hoort. Uiteraard heb ik die ook apart voor je opgenomen, zodat je haar de komende weken steeds opnieuw kunt gebruiken om verder te landen in het zenuwstelsel van je gekozen Identity en te ontdekken wat daar op dit moment voor jou aan informatie ligt. En natuurlijk komt er ook een replay als je op dat moment iets anders te doen hebt. Je kunt je nog aanmelden via:

Preview for Later Today: Jeremy Zakis reports that warm weather has disrupted snake hibernation, keeping venomous brown and red-belly black snakes active in suburban areas. Simultaneously, a massive mouse plague continues to ravage Western and South Australia, as populations resist baits and move into new territories, including southern Sydney.

In this episode of the Chasing Giants Podcast, Don Higgins and Terry Peer discuss one of the most misunderstood topics in deer hunting: Why some of the “best” big buck neighborhoods actually become the hardest places to consistently kill mature deer. Don explains: how hunting pressure changes deer movement why mature bucks adapt how his Illinois farm transformed over decades why property layout matters more than reputation The guys also discuss: planting soybeans during a wet spring using Liberty herbicide during same-day planting miscanthus and switchgrass weed control food plot myths spreading online why overcomplicated blends hurt food production listener questions on mature buck strategy Plus: Robin Higgins health update Lester's Feet Texas Hunt Raffle announcement Chasing Giants TV bear hunt update Podcast Sponsors Asio Gear Real World Wildlife Products Hawke Optics Novix Outdoors Midwest Land Group 360 Hunting Blinds Mike's Mighty Micros Gingerich Tree Farms TagOut Technique Grubb Implement Vortex Optics Brenton USA Mathews Archery Victory Auto Group Wildlife Farming WiseEye Technologies © 2026 Chasing Giants Podcast. All rights reserved. This content, including audio, video, graphics, logos, and written material, may not be copied, reproduced, redistributed, or republished in whole or in part without expressed written permission from Chasing Giants Podcast. Unauthorized use of this content is strictly prohibited.

What does it look like to follow Jesus in fraternity and sorority culture, even in the grey areas?

Justin and Shaun are talking about the BIGGEST ways the Giants need to improve for the 2026 season + This weeks Fivo! Download the Fanatics Sportsbook app , use code JOMBOY https://fanatics.onelink.me/5kut/JOMBOY New customers who sign up and Bet $5, Get $100 in FanCash*. Use FanCash on bonus bets, profit boosts, team gear and more on Fanatics.com.  Use our code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/JOMBOY10. Sponsored by SeatGeek. *Restrictions apply. Max $20 discount 00:00 Top Areas for Improvement for 2026 04:18 Turning Pressures into Sacks 09:20 Abdul Carter has to get more sacks 12:30 Sacks need to be the strength of this team 14:00 Needing to Create Turnovers 17:30 build an identify of forcing turnovers 21:45 Who can step up and lead the team in turnovers 24:45 The Passing Game 27:30 Jaxson Dart will have to make some plays 30:30 Playing from behind 34:45 Under Center Passing offense will be better 41:30 Redzone offense needs to be better 46:45 X factor players in the redzone 49:30 Fix The Run Defense 55:20 Light box vs stacking the box 01:01:20 Fanatics Fivo, Most important Depth Pieces Check out our Merch: https://shop.jomboymedia.com/collections/talkin-giants Subscribe to JM Football for our NFL coverage: https://www.youtube.com/@JMFootball Follow all of our content on https://jomboymedia.com #giants #nygiants  *New customers in AZ, CO, CT, DC, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NJ, NY, OH, PA, TN, VA, VT, WV, or WY. Must toggle on this promotion in your bet slip and wager $5+ cash on any market (min. odds -500) within 7 days of account opening to receive $100 in FanCash. Promotional FanCash expires 7 days from issuance (at 11:59pm ET). Terms, including FanCash terms apply-see Fanatics Sportsbook app. Use FanCash on bonus bets, profit boosts, team gear on Fanatics.com and so much more. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On a recent episode of the Consumer Finance Monitor Podcast, Alan Kaplinsky, host of the podcast, had the opportunity to interview Amelia O'Rourke-Owens, a legal scholar and former CFPB policy fellow, about her article, "Tearing Holes in Consumer Protection: Democracy's Safety Net." Amelia is the founder and CEO of Resilience Solutions, which provides subject matter expertise and consulting services around policy solutions and strategic planning. The services enhance strategic objectives of their clients and build resilience in their enterprise and efforts.  The discussion explored the role of consumer financial protection law, the evolving mission of the CFPB, and the broader implications for democracy, innovation, and financial regulation. Amelia advances a bold thesis in her article: that consumer protection law, and particularly consumer financial protection law, may be the most impactful body of law in the United States. She further argues that the strength of consumer protection laws may serve as a barometer for the health of American democracy. To support this thesis, Amelia proposes a three-part framework for evaluating the "impact" of a body of law: 1.         The number of individuals protected 2.         The breadth of entities governed 3.         The available avenues for enforcement Under this framework, Amelia contends that consumer financial protection law stands apart because it affects virtually every American, governs a broad range of financial institutions and market participants, and relies on overlapping enforcement mechanisms that include federal regulators, state attorneys general, and private litigation. Alan and Amelia's discussion examined these themes in detail and highlighted several important points of disagreement. The CFPB's Role and Regulatory Philosophy A substantial portion of their conversation focused on the CFPB itself and how different administrations have approached the Bureau's authority. Amelia defended an expansive view of consumer protection oversight, arguing that robust regulation is necessary to prevent harmful market conduct and systemic instability. She pointed to the 2008 financial crisis as evidence that insufficient oversight can have devastating consequences not only for consumers but for the financial system as a whole. Alan expressed concern that, during the tenure of former CFPB Director Rohit Chopra, the Bureau frequently pushed beyond clear statutory boundaries through aggressive enforcement theories, expansive interpretations of UDAAP authority, and attempts to regulate emerging products and practices through guidance and supervisory pressure rather than formal rulemaking. As Alan noted during the discussion, many industry participants viewed the CFPB's approach under Chopra as creating significant uncertainty. Financial institutions often struggled to determine whether innovative products that complied with existing statutes and regulations would nevertheless become targets of CFPB criticism or enforcement. That uncertainty, in Alan's view, can have real-world consequences. Institutions may become more risk-averse, innovation may slow, and access to credit, particularly for low- and moderate-income consumers, may be reduced. Amelia strongly disagreed with the premise that regulatory oversight itself discourages innovation or access to credit. Instead, she argued that effective regulation can create guardrails that protect responsible market participants from competitors willing to cut corners or exploit consumers. The Importance of Multiple Enforcement Mechanisms Another key theme of the discussion was the importance of overlapping enforcement authority. Amelia emphasized the value of allowing state attorneys general to enforce consumer protection laws and argued that Dodd-Frank appropriately preserved state authority by limiting federal preemption in many contexts. She suggested that state regulators are often better positioned to identify emerging harms before they become national problems. Alan acknowledged that state enforcement can play an important role, particularly given the prevalence of arbitration clauses and class action waivers that have limited certain forms of private litigation. At the same time, Alan noted that overlapping federal and state enforcement can create inconsistent standards and compliance uncertainty for financial institutions operating nationwide. This tension between national uniformity and decentralized enforcement remains one of the central unresolved issues in consumer financial regulation. Areas of Agreement Despite their disagreements, there were several areas where Alan and Amelia found substantial common ground. Most notably, they agreed that one of the CFPB's most successful accomplishments has been the creation of its consumer complaint portal. The complaint database has provided consumers with an accessible mechanism for obtaining responses from financial institutions while also generating valuable market-wide data about recurring problems and trends. They also agreed on the growing threat posed by scams and fraud, particularly involving digital payment platforms and other rapidly evolving technologies. Amelia highlighted the enormous financial harm consumers suffer from fraud schemes, while Alan noted the increasing concern among policymakers and researchers regarding scams originating overseas and the need for a coordinated national response. Consumer Protection and Democratic Governance Perhaps the most provocative aspect of Amelia's article is her argument that consumer financial protection serves as a "bellwether" for the health of democracy itself. Amelia contends that strong consumer protection reflects a government responsive to the needs of its constituents, while weakening such protections signals an elevation of other interests over those of ordinary consumers. Alan expressed skepticism about tying consumer financial regulation so directly to democratic legitimacy. In Alan's view, there are also serious democratic concerns raised when an independent agency led by a single director exercises broad policymaking authority without clear congressional authorization. This debate reflects a larger national conversation about the proper role of administrative agencies, the balance between accountability and independence, and the limits of regulatory power. Looking Ahead The future direction of consumer financial protection remains uncertain. The CFPB under Acting Director Russell Vought has moved aggressively to scale back many of the initiatives pursued during the Chopra era, prompting intense debate about the agency's long-term mission and structure. At the same time, emerging technologies, digital payment systems, fraud risks, and evolving financial products will continue to challenge regulators, lawmakers, and industry participants alike. Alan's discussion with Amelia O'Rourke-Owens highlighted the sharp disagreements that exist regarding the CFPB and consumer financial regulation more broadly. But it also underscored the importance of continuing thoughtful and substantive dialogue about these issues as the financial services industry and regulatory landscape continue to evolve. Amelia's article was presented at the Loyola Consumer Law Symposium back in March. The article can be found in the Loyola Consumer Law Review Vol. 38:2. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Deirdre Tobias is an associate professor in the Department of Nutrition at the Harvard T.H. Chan School of Public Health and Brigham and Women's Hospital. Stephen Morrissey, the interviewer, is the Executive Managing Editor of the Journal. D.K. Tobias and F.B. Hu. The 2025–2030 Dietary Guidelines for Americans — Progress, Pitfalls, and the Path Forward. N Engl J Med 2026;394:1969-1971.

269- Maybe you've been craving more peace, more joy, or just a little less chaos in your day-to-day life. But instead of feeling calm and clear, you feel like you're constantly trying to keep up. There are always dishes to do, emails to answer, errands to run, meals to plan, goals to chase, and somehow you're supposed to remember all of it while also being present for the people you love. If you're ambitious, you probably have a list of things you'd like to improve too. Your health. Your finances. Your home. Your business. Your relationships. And while it's easy to assume the answer is more discipline, more motivation, or better time management, what if the real solution is something much simpler? A system. In this episode, I'm sharing a story that reminded me just how important systems are and why they might be one of the most overlooked keys to creating more peace, joy, and freedom in our lives. Because anything we do repeatedly deserves a system. And when we don't have one, we end up carrying the mental load ourselves. In this episode, I talk about: • Why so many of us feel overwhelmed even when we're doing our best • The hidden cost of making the same decisions over and over again • How a simple system can reduce stress and create more peace • Why motivation isn't the answer to recurring problems • The connection between systems, energy, and mental load • Areas of life that may be asking for more structure right now • Questions to help you identify where a new system could make life easier If you've been feeling stretched thin, overwhelmed, or frustrated that life feels harder than it needs to, this episode is an invitation to stop carrying everything in your head and start creating systems that support the life you want to live. Connect with Ang: Instagram: @angbarnard Website: angbarnard.com Email: angmbarnard@gmail.com

HC Liam Coen, QB Trevor Lawrence and OC Grant Udinski speak with the media following day one of OTAs.See omnystudio.com/listener for privacy information.

May 25, 2026 - Season 16, Episode 140 of The Terrible Podcast is now in the can. In this Monday morning show, Alex Kozora and I get right into discussing the forthcoming week for the Pittsburgh Steelers that will include their second set of OTA practices. We go over this week's OTA schedule and how we are expected to hear from several of the team's positional coaches on Wednesday. On the heels of a few recent comments made by Steelers OT Dylan Cook, Alex and I have a lengthy discussion about his outlook for the 2026 season. We discuss the possibility of Cook opening the 2026 regular season as the starting right tackle and how this is a big upcoming season for him as it relates to his future in the NFL and especially when it comes to potential earnings. In the middle of this Monday show, Alex and I look back at the history that Steelers QB Aaron Rodgers has had with rookie wide receivers and especially when it comes to his time with the Green Bay Packers. We go over the reception stats of several wide receivers when they played with Rodgers in Green Bay as rookies. After discuss Rodgers's history with rookie wide receivers, Alex and I discuss what that might mean for Steelers rookie WR Germie Bernard in 2026. We discuss the possibility of Bernard having rookie season much like the one that WR Randall Cobb had in 2011 with the Packers. As part of this discussion, Alex and I set and over/under line for Bernard when it comes to his rookie 2026 reception total. Alex recently wrote about four statistical areas that the Steelers' defense must improve in when it comes to the 2026 season so we discuss all of those and how each could make substantial impacts. Later in this show, Alex and I discuss the Steelers when it comes to their history of adding players to their offseason roster after mandatory minicamp that wind up ultimately making the 53-man roster. We go over a few position groups that probably best stand a chance for a similar post mandatory minicamp outcome. This 79-minute episode also discusses several other minor topics not noted in the recap above and we make sure to answer a few listener emails we have received to close out this show. steelersdepot.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Go Fact Yourself is ready to burst with trivia! Erinn Hayes is an Emmy-nominated actor known for comedies like “Children's Hospital” and dramas like “It's Not Like That.” One of her favorite parts of her job is getting to work with great colleagues; and a lot of that started with performing improv at Disney's California Adventure. Jordan Carlos has written a new book intended to help his fellow cis straight men with their relationships – Choreplay: The Marriage-Saving Magic of Getting Your Head Out of Your Ass. He's also written for “The Nightly Show with Larry Wilmore” and he'll tell us how that culminated in him getting to write a joke for the White House Correspondent's Dinner. Areas of Expertise: Jordan: The move Rear Window, the New York City grid system,and market bubbles (especially the Dutch tulip bubble). Erinn: Low-allergen cat breeds, Jelly Belly jellybeans, and the movie Romancing The Stone. What's the Difference: What a Dump What's the difference between a dump and a landfill? What's the difference between a toilet and a commode? With Guest Experts: Professor Anne Goldgar: USC's chair in European history and author of the book Tulipmania: Money, Honor and Knowledge in the Dutch Golden Age Kathleen Turner: Actor whose decades-long career includes iconic films like Romancing the Stone. Hosts:  J. Keith van Straaten Helen Hong Credits: The MaxFun Drive is over, but it's always a good time to go to maximumfun.org/joingofact to support this show and get monthly bonus episodes. Theme Song by Jonathan Green. Maximum Fun's Senior Producer is Laura Swisher. Co-Producer and Editor is Julian Burrell. Additional editing by Valerie Moffat. Seeing our next live-audience shows by YOU! Help support this show and unlock bonus content! Become a member at https://maximumfun.org/joingofact