Podcasts about assume

Sometimes it takes a few tries to learn the ropes. It's time for a little Taylor Swift content. She opens up about choosing fame and how she accepts the consequences. Bob says the Empire State Building doesn't know anything. Kiss and make up! Then, share a banana split. A possible update on the Nancy Guthrie case. Pixar's first project was about the lamp! Mark Wahlberg and Juaquin Phoenix turned down Brokeback Mountain. As a kid, Vinnie was afraid Kiss would think he was gay. Plus, a new and amazing game!

Strategic thinking will change your life.Full Eden guide: https://youtu.be/1VhMmgL_Gx8Personal brand strategy AI: https://app.eden.so/ai/personal-brand-strategistThe creators bootcamp - learn to write and what to write about: https://eden.so/bootcampMy weekly writing on the mind, the internet, and the future: https://letters.thedankoe.com––– My Books –––The Art of Focus: https://theartoffocusbook.comPurpose & Profit: https://thedankoe.com/purpose––– Socials –––Twitter: https://twitter.com/thedankoeInstagram: https://instagram.com/thedankoeYouTube: https://youtube.com/c/DanKoeTalksLinkedIn: https://linkedin.com/in/thedankoe

The Trick to Keeping Long-Term Tenants Tenant turnover can quietly become one of the biggest expenses in a rental property. Vacancy, repairs, repainting, cleaning, advertising, showings, and lost rent can quickly add up when tenants move every year. The good news is that tenant turnover is also one of the expenses landlords have the most control over. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby break down what actually keeps tenants in a rental property long term and why tenant retention can have such a major impact on profitability. The core idea is simple: If you buy the right property, attract the right tenant, price it fairly, and treat them well, there is a much greater chance they stay. And when they stay, your returns improve.

The Trick to Keeping Long-Term Tenants Tenant turnover can quietly become one of the biggest expenses in a rental property. Vacancy, repairs, repainting, cleaning, advertising, showings, and lost rent can quickly add up when tenants move every year. The good news is that tenant turnover is also one of the expenses landlords have the most control over. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby break down what actually keeps tenants in a rental property long term and why tenant retention can have such a major impact on profitability. The core idea is simple: If you buy the right property, attract the right tenant, price it fairly, and treat them well, there is a much greater chance they stay. And when they stay, your returns improve.

Jussie Cunha, Renato Manso e Caio Costa falam sobre TUDO do futebol cearense e MUITO MAIS. Anderson Azevedo nas reportagens.

We ask the rockaholics.

Kiera shares three approaches that will help you consistently and quickly fill your schedule on a daily basis: maximizing your current patients, creating the perfect handoff, and building consistent marketing. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent- Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera. And today we're gonna talk about what to do when you've got like holes in the schedule. I wanted to have a tactical one. I just came from a practice that is like an amazing same-day converter. but I want to just like talk about like it's very, very stressful when you're looking at your schedule and you just see holes, like holes everywhere. And so, what can we do to fill those holes? How can we make sure you have a very productive practice? and it's not always a marketing problem. It's not necessarily that we need more patience.   Let's just figure out how we can do like what are some simple things to help you fill those holes to have a very pro productive, predictable schedule. And like really, there's going to be holes. So let's make sure that team members and doctors have a really good solution. That way we can make sure that we take care of it. So I want to talk to you about like if you're not busy enough, how we fix it, where we can get that growth with predictability, and like three things that are gonna help you consistently fill your schedule on a regular basis. So   Dental A Team, we've worked with hundreds of practices across the nation, you guys. This is something that we see. This is something that's common. We consult them in person. We consult them virtually. And it's just something of like filling a schedule is always top of mind. It's always how do we how do we make sure it's consistently up to goal? and I think it's just a discipline. It's not something that is always talked about. It's a, it's how do we make sure, like what are the, what are the core tools to get my system? And   I think that that's just a way for you guys to to be able to be consistent and you don't need to worry about as many new patients. Like it's still a thing and I'm not here to just click it away. But this is like, let's just look for opportunities that are already sitting inside your practice that are easy. Again, they're already in the toolbox. Let's just pull these tools out for you. So what are three big areas that you can focus on quickly to help you? So I would just came from an office. It was awesome. I swear this office, like they've got holes and they just make it rain every day. It's like, all right, what are we gonna do? How are we gonna convert?   And I will say being really, really good at same day conversion is going to be a great thing. So it's maximizing the patients you already have. So instead of going after new patients, like what are the ones we already have? So what this looks like, we like are gonna look at our unscheduled treatment plans. We're gonna look for patients that are overdue and hygiene, and we're going to make sure that we're reactivating and recare and then making sure we're reappointing all patients. So number one, like a good morning huddle can fix a lot of this. So I love people to prep the day and let's all talk in huddle.   To see who has outstanding treatment. And if we are consistently doing this, of every patient who has unscheduled treatment and we schedule them in office, like the fastest, easiest way is like not going and hunting and looking at lists, but it's doing the things in office that day. Also, every morning huddle, which patients need cleanings. You can fill your schedule so quickly with a great morning huddle and with people coming prepped and prepared. So front office team members take notes. Their clinical team should be giving you a wealth of knowledge. And then as patients are coming in, we are going to be scheduling.   Any treatment that we can get scheduled and any patients due for cleanings, whether we have an opening or not today, it's good hygiene, good practice for us to get those patient schedules in office. It's so much easier to schedule them when they're in office rather than chasing and hunting them. So, number one, when they're coming in and do it through morning huddle. Number two is we need to have a set process where we're calling unscheduled treatment and recare every single day. I'm not joking, every single day. Let's make sure we have good processes. I had an office.   We just worked on it for three months. Everybody, we had a huge list of this. It hadn't been worked in years, and we're like, we're gonna get a process and a system in play. So we listed it all out. We divided the list amongst team members and we went to town. And then every single week we reported how many pay like how many dollars we were able to schedule and how many patients we scheduled. I want to say in three months they scheduled about $500,000 of unscheduled treatment. To me, that is a great use of time in three months. It's an incredible way. Every single week they were doing it. We found out who the best person was at it.   What their verbiage was, but we've got to be calling every single day. So you've got to be able to have it. There's so much out there. Unscheduled treatment, usually, like the practice I was in, and they had a bunch of holes. They're like, here, we have so many holes. I went and ran the unscheduled treatment report. They had $1.7 million worth of unscheduled treatment. And in the last six months, they've added an additional 700,000. Now, could that be duplicated treatment plans? Absolutely. But do I also believe that there's a decent amount of treatment sitting in that schedule?   You better believe it is. So, with that said, I want you to know that these items can be taken care of. You can get them done. They can be great for you. Get that process. I recommend at a minimum. Let's start with five calls a day on unscheduled treatment, unscheduled recare. Let's just have that. It's kind of like brushing our teeth. Okay. We brush morning and night. We call unscheduled treatment. We call unscheduled recare every single day. All the time. That's just part of what we do. It's part of our process. We do confirmation calls. We do unscheduled treatment and recare calls.   We also schedule every single patient that comes in for their treatment. We also schedule every patient due for recare. Another thing that you can do is you can ask when you are scheduling for recare, who else do you have that we can schedule? I cannot tell you how many people we've scheduled from family members. Me and my husband, we don't go to the same dentist. Guess what? We're about to start going to the same dentist. They ask us who we can schedule? We got scheduled together. It's very easy, it's very convenient. Just ask. It's a great way for you to fill those holes. So   You are usually sitting on tons of production opportunities that we already have. We just need to dig in our gold mine and actually be consistent with that. The fastest way to grow is usually already just sitting there. So unscheduled treatment, unscheduled recare. Let's talk about morning huddle. Let's make sure we're making those five hygiene calls a day. Like, I'd love you to do more than that. I'd love you to just fill your schedule and always have it full. But making outbound calls on a consistent basis, minimum five up to Tiffany, you sever team call, 50 calls a day. I'm not joking. So   Know that five is really, really, really low. And make sure it's a call and a text. Don't just go the the easy way and do a text, a phone call and a text. You get double whammy and call at times when people are gonna be around. So I usually like to make calls around eight, noon, or around four. It's usually when people are gonna be the most around that we were maximizing our time. So we can run the unscheduled treatment list. I always run it every single month. Divide the list up amongst every person. If we have an opening in the schedule where we've got downtime, everyone's expected for every 15 minutes of downtime we've got, we are going to be making.   Five calls. You can do it for 30 minutes, but everyone give the script, have everybody do it. It's there. So that's one tip to fill your schedule very easily and keep it full. The next one is gonna be like, let's boost our case acceptance. I kid you not. Like we don't need to go after more patients. A lot of times we just need to improve that case acceptance. So getting really good. I work a lot with offices when we do our consulting on just improving case acceptance. It's one of the fastest, easiest ways to grow a practice is just to get more patients to say yes.   If you're a great clinician and we're diagnosing, we should get patients to say yes. I have an office that I've been working with for several years. And truly, what we do for the bulk of our time is we work on their treatment plans and we just improve it and we improve it. We grow them usually a million to two million every single year, just by working on case acceptance, not pushing more new patients, not doing a lot of systems. It is truly just working on case acceptance. So when we have patients that are like, let me think about it.   We're not getting treatment plans scheduled. We also have low treatment plans. So it's a closing cases, but also diagnosing enough that's going to be there. If you want to produce your like the goal should be you're diagnosing at least three times what you want to produce. Then we need to be closing those cases. So what we need to do on this is it's strong handoffs. So I usually recommend NDTR. You've heard me talk about it million times. We'll link those if you haven't heard it. Welcome. It's next visit, date, time, recare.   So we gotta tell every patient what the next visit is, be clear and concise, what the date is to return, how much time, like one week, two weeks, three weeks. Do not say ASAP. I had an office I've been working with for years, like, I tell them ASAP, and I was like, excuse me? No, ASAP is very different for everyone. We're gonna say when you're scheduling my schedule align, or one week, two weeks, non negotiable. How much time is needed for that appointment and also recare. I've also had teams tell me, like, Kiera, we already know.   I know you know, but the patient needs to hear it. It's gonna help you get higher case acceptance. So everybody says that we involve the patient, we don't just talk to each other. The patient's involved in that. So strong handoff, NDTR. Make sure they all have it. Then after that, what we're gonna do is we're gonna have really strong case acceptance and we're gonna track on a treatment tracker. I have an office that does an amazing job with this. They track every single treatment plan. They come through what is it? They have multiple doctors. How is each doctor doing? What's their case acceptance?   How many dollars are we diagnosing? And we review it weekly, if not monthly, across the board. That way, doctors are constantly improving their case acceptance. We're constantly improving our handoff. Hygiene is constantly teeing up treatment. Let's get better and stronger to where we get this high case acceptance. You do that alone. Your diagnosis, your handoffs, and your closes are going to improve. What we track and measure improves. You probably have so much treatment that's not being diagnosed. So hygiene and doctors work on what would doctor do? Let's tee up treatment. Hygiene should be able to.   tee up treatment, 90% exactly what a doctor is going to diagnose. Doctors should be able to come in, give a perfect handoff. We then take that up to the front office. And then front office is really, really strong at being able to schedule first. Then let's talk about objections. Let's work through it to get them scheduled. I love a strong treatment coordinator who just closes like, let me think about it. Let's work through that. What are the reasons? I have an entire thing on root causes and objections and how to work through objections. So if you guys want to know a couple of objections, I love these.   I love to work with treatment planning. and these are just things of what are their objections? So we gotta go into this case acceptance, 80% psychology. Everybody says yes to me. There's always a solution. We're gonna find it together. Assume that they wanna do this. All right. So, like, yes, they want to do dentistry. We present the treatment plan, we edify the doctor, we schedule first. People think I'm crazy to schedule first. Schedule first, it puts it in. We are doing treatment. How you pay for it, that's your decision.   But on this, we're going to make sure that we're scheduling first. And I'm not going to say when do you want to get scheduled? I'm going to say let's get you scheduled. I've got Monday or Wednesday. Which do you prefer? Then after that, we're going to then present the trim plan. So it's going to be $76, it's going to be $7,600. Insurance is estimated for this amount. This will be your total out of pocket when I see you on Wednesday. What questions do you have for me? I want you to be rock solid confident moving forward. Now, fun fact, today I was in an office. there's only one gal up front. The other one wasn't there. And   I got thrown right back into the saddle. I was answering phones, I was scheduling, I was treatment planning. I was like, whew, gotta see if I still got it or if this is just something I podcast about. Ladies and gentlemen, I'd like you to know Kiera Dent still has it. I'm still very good at treatment planning. Closed every single treatment plan I presented today, had all of them signed, it did same-day treatment today in office, doing this exact formula. Went in, presented it exactly like I tell you here. Every single patient signed, even if they have questions or objections, we then tie it back.   Amazing. Let's talk about it. Tell me what's going on. Tell me more. I want to understand. Tie to their driver. Is it cosmetic, function, cost, or longevity? You go past the no two times. Let's look at it. We don't plant like objections that they didn't talk about. Don't talk about money if they don't bring it up. Don't talk about time if they don't bring it up. Don't talk about pain if they don't bring it up. Wait for them to ask those questions. Don't sit there and plant it. If they don't say it, don't bring it up.   if it's a spouse objection, I'm like, what questions do you think they'll have? I want you to be sure you're fully prepared to answer all their questions. At work, absolutely, let's get you scheduled. I, Kiera, would hate to forget about you. So, like, if something comes up, no problem. Just give me a jingle, I'll take care of it. but this way I don't let you slip through the cracks. I would hate to forget about you. They will schedule. Everyone wants to be important. Money, let's talk about it, will never be cheaper, more predictable than it is today. Time, like they should already know that through that perfect handoff. It's gonna take 90 minutes, it's gonna take two hours. Like,   We can figure that out. Pain, like this is what most patients experience. Like, don't make it worse than it is. Don't make it better than it is. Like be honest with them so they trust you. If it's overwhelming, let's make sure we've got a clear next visit. Let's don't give them five options. There's so many ways that you can overcome objections. It's not hard, but you do need to track it. You do need to measure it. We do need to get better at our case acceptance. It is one of the fastest, easiest ways to grow your practice without needing to go and get more new patients.   You just increase your diagnosis and your case acceptance and your handoffs. Having a nice case acceptance protocol where we practice it, we rep it, we repeat it. I love it. I've been able to get about 15 treatment coordinators across multi-offices, really, really strong. Then we go to the next level. So, like people who weren't able to present like $1,000. Now they're presenting $15,000 cases with confidence. What's the next level? What are we struggling with? What are the areas that we're not able to close? Let's work on that. What's the objection you're hearing?   Kiera, people are maxed out on insurance. Okay, let's work through that. What are they saying? Let's role play through it. Let's figure it out. But having treatment coordinators and doctors realize that case acceptance is an art. You need to just keep constantly refining and improving. And if you don't have it in your calendar to work on your case acceptance at least once a month, you're missing a ton of opportunity. That's with your treatment coordinator, your hygienist, and your doctors. Let's work through it. Let's look at all the ones that are going to be like let's look at everybody who didn't say yes this month.   Why didn't they say yes? Let's role play through it. Let's hear what we said. How did we present it? How could we present this better? What like case acceptance is usually won or lost within one word. It's usually one or two words that you said. Like listen to it, record yourself. Listen back to the exams. Share those exams. Share how we presented it. Front office, record yourself. Let's listen to it. You listening to it back is going to teach you so much more than what you think you said. What people think they say versus what they actually say. People are like, Kiera, I didn't say that. And I'm like,   No, actually, I was like standing here and you did say that. Or they're like, I hear all the time. so do you want to get that scheduled today? Why did you just ask that? Let's get you scheduled today. Let's schedule you. Then it's like, well, you know, you want morning or afternoon. Why don't we say, like, doctor dentist does their fillings at 8 a.m. or 3 p.m.? Which works best for you? They're a doctor. I never go to the dermatologist and they're like, Kiera, when does it work best for you to come? No.   They're the dermatologist, they're the oral surgeon, they're this. They tell me when I can schedule. It's not the other way around. Let's start doing that. Let's start helping patients see that they're so lucky to come here. Now that doesn't mean we can't be accommodating, but it does mean that we don't walk ourselves into traps accidentally. So improving your case acceptance, having a solid case acceptance protocol, you focus on that. You're gonna grow your practice faster than anything else. So review it, have it set, review this every single month, non-negotiable, and you will grow.   Then the step three that you can do, it does come into marketing. Okay, okay, okay. but having consistent marketing, not random marketing. So marketing is predictable, so it's not like panicking, like, we don't have patience, let's market. Marketing is one of those things where you've just got to be it's like branding. You're out there constantly. So we're out there and we have getting reviews. Reviews is the fastest, easiest marketing that doesn't cost you a penny. Like you can get 12 or $149, I think is what it is.   Just tell them Dental A Team sent you. I think it's about that. They'll send out reviews for you. Like, sure, that's $149. But if it gets you reviews and patients, very inexpective. The best marketing is Google reviews by far. You can have that in your office. You can have things where people are talking about it. You can talk to patients. You can ask patients for it. Like you have to have a way to be collecting reviews. It's the fastest, easiest way to grow. Be involved in your community, have referral system where people they refer patients to your practice and it's a consistent referral. And then track your marketing performance.   Do that. What I find is most people do not stay consistent on that. Everything I told you comes from consistency. It's consistency on scheduling. It's consistency on morning huddle. It's consistency on calling on scheduled treatment. Then it's gonna be on case acceptance, reviewing it, diagnosing handoffs, like just practicing that and then having consistent marketing where we look at this. You stay consistent on those three things, your practice will grow. Period. It will. But we all get crazy and we're like, we're so busy. We're so busy that we're running ourselves into open schedules.   I also have a rule. My team knows you do not leave the practice with holes in the schedule. Period. That's you have an ownership. If you're over my schedule, you do not leave without that schedule being full. Period. People can do it. And guess what? If that's the standard and expectation, they get really good. Because we all don't want to stay late. But you are calling. You're sending out those outbound calls. Our case acceptance need to be this. Own the case acceptance. Have the doctor schedule to go. That is your baby. You take care of this. We review it. Have people own these areas.   But really own it. This is going to help you tremendously. So growth's not always about just getting more in people. There is so much growth and opportunity in your practice right now. Every single office I go into always has unscheduled treatment. They always have unscheduled recare. Always, always, always. Let's go for it. Let's start asking. Who else can we schedule? There are so many easy ways. Let's diagnose, let's check our case acceptance. Let's watch our marketing numbers. Do this. Be consistent.   You just need to do a better job with the opportunities you already have there. It doesn't have to be crazy. It doesn't have to be hard. It's there. and so I just want you guys to know that it's very doable. Now, if you need help with this or your team's not bought into it, if you're like, my gosh, my schedule's light, or we have this and I hear you on the podcast, but I can't get my team bought in. Reach out. We are the literally the dentist and team experts. We do this for a living. We are really, really, really freaking good at it. So reach out. Hello@TheDentalATeam.com. Let's make it to where we have a consistent, predictable schedule. Let's get these systems in place. I worked with an office for three months.   500,000 collected. We worked with another office, millions added to their practice every single year, consistently, just by doing reps with our team. It's not always about reinventing the will. Sometimes it's just being consistent with the will you already have. So let's make like, let's make magic with what we already have. Let's take care of those patients we already have. Let's dig into those. I promise you it's way easier than you think it is. Let's just be consistent and let's pull the right levers that are actually gonna grow your practice with ease.   Reach out. I'd love to help you. Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.  

Episode 456 | Interview with Solomon Brenner Podcast Description Solomon Brenner (founder of Action Karate) joins Duane Brumitt and Shihan Allie Alberigo for a real-talk conversation about what it actually takes to build a team, grow leaders, and keep your school moving forward when the “business owner rollercoaster” hits. They dig into the stages most owners go through (from early excitement to hard lessons to true interdependence), how to develop instructors faster without watering down your curriculum, and why the future belongs to school owners who combine smart systems (including AI) with real human connection. Key Takeaways Most school owners go through predictable “stages” — and naming them helps you move through them faster. Solomon breaks down the progression from early excitement, to the “paying for everything” grind, to the dangerous “freedom/complacency” phase, and finally the “we stage” where growth accelerates because everyone is aligned. Stop saying “staff” if you want people to act like leaders. Build a team (and partners). One of Solomon's first points is language: “team” creates ownership, identity, and a higher standard than “staff.” It's a small shift that changes expectations. You're not looking for everyone — you're looking for the hungry, humble, smart ones. Solomon's view is simple: you have to sift through a lot of people to find the right long-term players. A big tell? If they won't read a book you give them (like Rich Dad, Poor Dad), they're probably not hungry. You don't need a black belt to teach a white belt. Start leadership development earlier. Solomon's model is to get people teaching at a low rank (and even involve parents as “parent coaches”), so by the time someone becomes a black belt, they've already been building teaching skill for years. Parent coaching can be a retention and culture cheat code. Action Karate uses “parent coaches” who go through a short certification, wear a uniform, and help on the mat in simple ways (targets, encouragement, keeping kids engaged). It's not about advanced technique — it's about building community and support. Don't blame “this generation.” Assume it's a leadership and motivation problem you can solve. Solomon pushes back hard on the “kids these days” mindset because it removes your control. His reminder: people are motivated — they may just be motivated toward something else. Your job is to bridge that gap with a compelling future. Grassroots marketing still wins — because most owners won't do the boring stuff consistently. SEO, Meta ads, and Google Ads are table stakes. However, Solomon emphasizes the real separator: birthday parties, daycare programs, community events, and showing up where families already are. If you're doing table events, the difference is energy. Sitting behind the table with crossed arms gets you zero leads. Standing in front, engaging, high-fiving, and inviting people to participate changes everything. Use cameras like game film: diagnose what's really happening in intros and enrollments. Solomon recommends recording intro lessons and enrollment conversations so you can review what worked, what derailed the process, and where prospects actually drop off. It's not just security — it's coaching. AI is a tool — but human connection is the long-term advantage. Solomon shares how they use AI for drafting parent responses, preparing for difficult conversations (even using personality profiles), and reviewing documents. Still, he believes personal texts, calls, and real relationship-building will matter more and more. Action Steps for School Owners Teach your team the “stages” of ownership. Use Solomon's framework as a normalizing tool. When your leaders know what phase they're in, they stop panicking and start progressing. Build an instructor pipeline earlier than you think. Create a simple ladder: Beginners help with tiny tasks Low ranks teach basics to brand-new students Higher ranks mentor lower ranks Senior ranks polish and lead Add a “parent coach” option (even if it's small). Start with 1–3 parents who love being involved. Give them a short training, a clear role, and a uniform so they take it seriously. Treat your intro process like a sport. Put a camera in the intro room and do weekly “game film review.” Look for patterns, not excuses. Pick one grassroots channel and commit for 90 days. Daycares, birthday parties, library programs, school events — choose one and do it consistently. The boring stuff is where the wins are. Use AI to support communication — not replace it. Draft emails and texts with AI if you want, but add a personal line that proves a real human is present. Additional Resources Mentioned Rich Dad, Poor Dad (book recommendation for mindset and ownership) Zig Ziglar quote: “You can have everything in life you want, if you help enough other people get what they want.” Using cameras for “game film review” of intro lessons and enrollments SendOutCards (service mentioned for birthday cards and gifts)

Twenty years of digital marketing created something of a monster: companies poured enormous investment into analytics teams, MarTech stacks, media capabilities, and data infrastructure—and then watched all those functions march off into their respective silos to work really, really hard at producing activity rather than impact. Rusty Rahmer, founder of Starize AI and author of Working As Designed, joined Michael, Julie, and Val to dig into why that happened, why it's still happening, and what it actually takes to flip the shovel over and use the right end. Along the way, Rusty—who Val correctly identified early as a spontaneous analogy machine—explained why customer journey maps on walls are basically the statistical average American life that literally nobody lives, why waffle fries are structurally superior to ridged chips (and what that has to do with cross-functional team design), and why the most important question a marketing leader can ask a room full of executives is also the one most likely to be met with complete silence. This episode is brought to you, in part, by our sponsors, Stape and Prism from Ask-Y. For complete show notes, including links to items mentioned in this episode and a transcript of the show, visit the show page.

What is the “Time Value of Money?” Episode 394 – The time value of money is one of the most important financial concepts there is to understand. It comes into play in almost every financial decision. You don't need to understand the arithmetic, but you should have some sense of where and how the math applies. Doing so may be able to improve the quality of your financial life. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 394 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: what is the “time value of money”? Simple question: what is worth more: a dollar you earn today, or a dollar you earn next year? Most people instinctively know that a dollar earned today is worth more. After all, that's an extra dollar you can spend now on whatever you want. But understanding why is a critical financial concept that few people really understand, and one that applies to pretty much everything when you talk about personal finance. The concept is generally known as the “time value of money.” It's an idea that runs through almost every decision a business or financially sophisticated individual makes. According to the Harvard Business School, the time value of money means that “a sum of money’s value depends on how long you wait to use it; the sooner you use it, the more valuable it is.”[1] In other words, the money you have today is worth more than the same amount that you receive in the future because you have the opportunity to invest that money right now and earn a return on it. Figuring it all out in detail involves a rather complicated series of formulas. We won't get into the formulas here, but Microsoft Excel has tools to help make the calculation process easier. The basic idea is that, if nothing else, you can take the dollar you earn today and invest it. At the end of the year, that dollar will be worth more than the new one you receive at the start of the next year. If your assumed interest rate is six (6) percent, that first dollar will be worth $1.06 by the time the second one arrives. I know it doesn't seem like much of a difference. But after 20 years, the value of that dollar at the same 6% would be $3.21. And remember, we're generally talking about much bigger sums. And compounding, that is, repeating this process over an extended period of time, can make the impact much more significant as the years go by. And when you're considering a regular payment, such as a mortgage or an annuity, the difference adds up even more. Compounding is something we touched on in two recent episodes, one about reverse mortgages and the other about Trump Accounts. As Albert Einstein is alleged to have said, compound interest is “the most powerful force in the universe.”[2] Whether he actually uttered those exact words or not, many present and future retirees understand the value of saving early. The math is equally important but gets more awkward when you want to reverse the process. What is that dollar you're going to get a year from now worth today? This is where a spreadsheet can help. The answer is just over 94 cents. If it's two years, it's about 88 cents. In five years, just under 75 cents. As you might suspect, inflation is a key consideration when it comes to the time value of money. There's another reason a dollar earned today is worth more than a dollar earned in the future. Your money will likely be able to buy less in the future than it does today, simply because prices of most goods and services tend to go up over time. Uncertainty also plays a role. Assume someone owes you money, but the payment is due a year from now. The problem is that things could change over the next year. They might move away, or declare bankruptcy, or decide they don't like you anymore. Nothing is certain until you actually have the money in hand. Note that if there's additional risk that you're not going to get the money in time, or at all, many financial pros will try to handle this using a higher assumed interest rate, or “discount rate.” There are some other areas where the time value of money is a key consideration. One often overlooked example is deciding on whether to make a home improvement that adds to the value of your house. Another might be weighing the pros and cons of buying vs. leasing a car. Yet another might be your decision on when to collect Social Security. Another concept that comes into play—and one that many people rarely consider—is opportunity cost. Once you understand the time value of money, opportunity cost becomes much easier to recognize. There are tradeoffs in any financial decision. Opportunity cost can be defined as the value of what you give up when you forgo one choice in favor of another.[3] Opportunity cost comes along more often than most people realize. The truth is that you finance every major purchase you make, even if you're using cash. If you buy a new car and use your available cash, it will save some money. Since there's no loan, there's no cost to you in terms of interest payments. But there is still opportunity cost. By paying cash, you've given up the opportunity to invest that money elsewhere and earn interest and/or dividends on it. This is a concept few people think through thoroughly. To put it another way, if you want something, you must give up something else. It's just not always easy to see. You don't need to understand the complicated mathematical formulas behind the time value of money. You just need to understand the concept. It can—and should—help you make some of your most important financial decisions. Confused about things like the time value of money or opportunity cost? Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your financial team and coordinate with your attorneys and tax professionals to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Cote, Catherine. “Time Value of Money (TVM): A Primer.” HBS.org. https://online.hbs.edu/blog/post/time-value-of-money (accessed July 14, 2026). [2] Schleckser, Jim. “Why Einstein Considered Compound Interest the Most Powerful Force in the Universe.” Inc.com. https://www.inc.com/jim-schleckser/why-einstein-considered-compound-interest-most-powerful-force-in-universe.html (accessed July 14, 2026). [3] Munsey, Bobbie Anne. “8 Opportunity Cost Examples (Plus Definition and Uses).” Indeed.com. https://www.indeed.com/career-advice/career-development/opportunity-cost-examples (accessed July 13, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Today I sat down with my friend Andy Schectman, CEO of Miles Franklin Precious Metals and one of the most recognizable voices in the precious metals industry. I've known Andy for years, long before I ever became a customer of his. He's someone I trust, someone I enjoy talking markets with, and someone who has spent decades watching the intersection of monetary policy, sovereign debt, central banks and the physical gold market. These podcasts, posted here, are now all on a slight delay and are taken from my near-daily blog, Fringe Finance. As of right now I have no sponsors, so the best way to show support is just to listen/read or subscribe to my blog: http://quoththeraven.substack.com    You can also still contribute a one time or recurring donation to the podcast via Patreon: https://www.patreon.com/QTRResearch   All podcast content is subject to this disclaimer, which you should read slowly, multiple times. Thank you all for your continued support over the years. I stand on the shoulders of the people who listen to and/or enjoy my content and I never lose sight of that. QTR's Disclaimer: Please read my full legal disclaimer on my About page here. This post represents my opinions only. In addition, please understand I am an idiot and often get things wrong and lose money. I may own or transact in any names mentioned in this piece at any time without warning. Contributor posts and aggregated posts have been hand selected by me, have not been fact checked and are the opinions of their authors. They are either submitted to QTR by their author, reprinted under a Creative Commons license with my best effort to uphold what the license asks, or with the permission of the author.   This is not a recommendation to buy or sell any stocks or securities, just my opinions. I often lose money on positions I trade/invest in. I may add any name mentioned in this article and sell any name mentioned in this piece at any time, without further warning. None of this is a solicitation to buy or sell securities. I may or may not own names I write about and are watching. Sometimes I'm bullish without owning things, sometimes I'm bearish and do own things. Just assume my positions could be exactly the opposite of what you think they are just in case. If I'm long I could quickly be short and vice versa. I won't update my positions. All positions can change immediately as soon as I publish this, with or without notice and at any point I can be long, short or neutral on any position. You are on your own. Do not make decisions based on my blog or what my guests say. Nothing is fact checked. I exist on the fringe. Assume any and all numbers in this piece are wrong and make sure you check them yourself. The publisher does not guarantee the accuracy or completeness of the information provided in this page. These are not the opinions of any of my employers, partners, or associates. I did my best to be honest about my disclosures but can't guarantee I am right; I write these posts after a couple beers sometimes. I edit after my posts are published because I'm impatient and lazy, so if you see a typo, check back in a half hour. Also, I just straight up get shit wrong a lot. I mention it twice because it's that important.

ALWAYS Assume That There Is Competition

Na conferência de imprensa que há muito se aguardava, o ministro Luís Neves apareceu para dizer o que mudava e o que fazia na mesma, se pudesse voltar atrás. No tempo em que foi director nacional da Polícia Judiciária, reconheceu que desconhecia algumas leis e tratava com informalidade outras. Como apareceu disponível para responder a tudo, ganha um novo fôlego político. Neste episódio, falamos com os jornalistas do Expresso que fazem a cobertura dos temas da justiça, Rui Gustavo e Hugo Franco.See omnystudio.com/listener for privacy information.

Sterling Seizert spent his career as a US Army Special Forces Green Beret, serving as a senior communications and intelligence sergeant in 10th Special Forces Group and as a Special Operations liaison at the US Embassy in Nigeria. When he transitioned out, he carried the same discipline into entrepreneurship, and today he's the founder of Patriot Capital and Legends Lodge, overseeing eight self storage facilities worth over 58 million dollars and serving 3,100 clients. He's also the author of the new book Buy Your Freedom. This one goes deeper than either man expected. Sterling opens with a harrowing 2013 combat story, then he and Larry get into how training builds calm under pressure, servant leadership in marriage, raising daughters who hold themselves to a standard, and why honesty in a home should be celebrated rather than punished. If you want a masterclass in staying grounded when the stakes are high, this is it.   Timeline Summary [2:54] – The 2013 mission in northwest Africa and the firefight that changed everything [6:11] – Holding a soldier's heart and being told to keep the rhythm [8:11] – Did training take over, or was there disbelief in the moment? [10:26] – How repetition inoculates you to the sights, sounds, and smells of the battlefield [12:32] – Advice for the average man facing his own hard situation [14:25] – Why action creates clarity and keeps you out of rumination [15:11] – The full bio: Green Beret, Nigeria, and 58 million in self storage [17:36] – Growing up in small-town Wisconsin and a colder father [20:59] – The deep question: would he still eat Taco Bell knowing what he knows? [22:21] – Did quitting ever cross his mind in selection? It never did [26:07] – The frozen ambush in North Carolina and putting suffering in perspective [30:35] – Getting recycled through small unit tactics and choosing to be an asset [32:09] – The first responder divorce rate and how he and Rebecca stayed tight [32:36] – Marriage as service, and why keeping score never works [35:09] – Serving your wife without becoming the nice guy or the domineering man [38:33] – Servant leadership, apologizing, and holding a standard at the same time [39:03] – Larry and Sterling compare their household standards for conflict [41:07] – The one question that disarms almost any argument with someone close [43:44] – The plan for when his daughters start dating, sniper school included [45:10] – Raising strong daughters to look for ambition and a standard [48:14] – What this generation of young men is missing, from social media to porn [52:03] – Cultivating real connection with daughters in the teenage years [54:13] – The one hard rule he'll raise his voice over, and why honesty gets celebrated [57:29] – The two books that changed his life, plus his own new release   5 Key Takeaways Action Creates Clarity — When you're facing something hard, assess what needs to get done and execute in order. Movement keeps you out of the rumination loop and steadily reveals the next right step. Marriage Is Service, Not Score — Approach your marriage as the person there to serve, and assume your spouse will meet you halfway. Keeping score guarantees you'll always find a way to justify why you're winning. Serve Without Being a Doormat — Servant leadership isn't groveling and it isn't domineering. Hold a real standard for how you're treated, model that same standard yourself, and pick the battles that actually matter. Assume the Best Interest — In conflict with someone close, ask whether they truly lack your family's best interest at heart. Nine times out of ten they don't, which turns the fight into the two of you against the problem. Celebrate Honesty, Don't Punish It — Make ownership safe. When kids know honesty is welcomed rather than met with punishment, you can address the actual problem instead of untangling a lie on top of it.   Links & Resources Episode page and all links: https://thedadedge.com/1510 Join the Dad Edge Alliance: https://thedadedge.com/join Dad Edge Boardroom Goal Setting Intensive (July 31, 8am central): https://thedadedge.com/goals Buy Your Freedom by Sterling Seizert: https://a.co/d/0fwMJAzB   Enjoyed This Episode? If Sterling's line about action creating clarity gave you something to hold onto, put it to work this week. Send this episode to a man who's stuck ruminating instead of moving, and take one honest look at the standards you're actually modeling at home. If the show keeps delivering, follow, rate, and leave a review so more fathers can find these conversations.

Aaron Luce is back on Trading Nut — this time breaking down the night he woke up -$20,000 in drawdown, how he turned a $25K account into $150K+ trading gold, and why trading less might be the real key to trading better. https://tradingnut.com/aaron-luce-3 - Aaron's Links

7.28.26, Kevin Sheehan takes on the role of an oddsmaker and sets the Jayden Daniels games started line for the 2026 NFL season.

O ex-vice premiê de Victoria Ben Carroll tomou posse como novo líder de Victoria, substituindo Jacinta Allan, que anunciou sua renúncia após perder o apoio da bancada do Partido Trabalhista. A mudança ocorre em um momento delicado para o governo estadual, a pouco mais de um ano das eleições estaduais. A sucessão foi marcada por tensão nos bastidores.O ex-vice premiê de Victoria Ben Carroll tomou posse como novo líder de Victoria, substituindo Jacinta Allan, que anunciou sua renúncia após perder o apoio da bancada do Partido Trabalhista. A mudança ocorre em um momento delicado para o governo estadual, a pouco mais de um ano das eleições estaduais.A sucessão foi marcada por tensão nos bastidores. A ministra dos Transportes, Gabrielle Williams, assumirá o cargo de vice-premier até a realização das eleições estaduais, previstas para novembro.Ao anunciar sua saída, Jacinta Allan afirmou que refletiu cuidadosamente antes de tomar a decisão e disse que sua prioridade era evitar mais instabilidade política.

Anele was getting ready for her Lotto broadcast when someone working on her face asked for advice about getting gastric bypass surgery. The woman assumed Anele had also had the procedure because of her weight loss. She says it caught her completely off guard. Now, here's the question...If someone assumes you've had surgery because of your "glow-up"... is that actually a compliment? Are they saying, "Wow, you look incredible!" Or is it an insult because they're basically saying, "There's no way you achieved that naturally." It's not just about weight-loss surgery either. People assume others have had Botox, lip fillers, veneers, hair transplants, BBLs... all because they look different. So where do you stand? Hang out with Anele and The Club on 947 every weekday morning. Popular radio hosts Anele Mdoda, Frankie du Toit, Thembekile Mrototo, and Cindy Poluta take fun to the next level with the biggest guests, hottest conversations, feel-good vibes, and the best music to get you going! Kick-start your day with the most enjoyable way to wake up in Joburg. Connect with Anele and The Club on 947 via WhatsApp at 084 000 0947 or call the studio on 011 88 38 947Thank you for listening to the Anele and the Club podcast..Listen live on Primedia+ weekdays from 06:00 to 09:00 to Anele and the Club broadcast on 947 https://buff.ly/y34dh8Y For more from the show go to https://buff.ly/gyWKIkl or find all the catch-up podcasts here https://buff.ly/K59GRzuSee omnystudio.com/listener for privacy information.

Mindset expert and author Neil Solomon joins Trading Nut to break down the real psychology behind trading failure — from why watching yourself lose is harder than winning, to the "controlled psychopathy" trait shared by elite traders and poker pros. If you've ever sabotaged a winning trade or blown up a funded account, this one's for you. https://tradingnut.com/neil-solomon - Neil's Links

You have days left to lock in the Summer Sizzle Sale. For 8 years, Weaver Sales Academy has helped 17,000+ insurance professionals sell more and close better in auto, fire, and life. Once July 31 hits, this price is gone. Book your call now and walk into Q3 and Q4 already ahead.

#360: Assume your production systems go sideways at 3:00am. Your phone doesn't ring. You wake up to a clean incident report - the system caught the problem, fixed itself, and left a Slack note saying it handled things at 3:15. Would you trust it? Viktor wouldn't, not at first. Same as a new hire, a new tool, a new anything. Trust gets earned. A few months in, if it hasn't messed up, then maybe. So what's actually new? We had self-healing in decades past, and Kubernetes brings a crashed pod back without anyone awake to watch. Birol Yildiz, co-founder and CEO of ilert, puts the line where it belongs: the old stuff runs on predefined patterns - known problem, known fix, automate it. The new part is diagnosing a root cause nobody wrote a rule for and then knowing what to do about it. And no, ilert isn't training models on your data. The agent runs on foundational models from the frontier labs, feeds them the same context any SRE would pull - telemetry, recent changes, the health of your infra - runs the investigation loop, and hands you a root cause with the evidence attached. Then the real argument starts, and it's about knowledge. Viktor keeps circling the blind spot he sees at every company: the wiki, the runbooks, the tribal stuff nobody keeps current. Birol's answer is blunter than you'd expect from a guy selling this - dump your Confluence and your hundred stale runbooks into the agent and you cause more damage than results. Code is the documentation that's actually true. ilert's agent doesn't even read runbooks. It builds a live service topology straight from tracing data and rebuilds it when things drift. What happens when a bad incident month turns your $100 bill into $10,000 - Birol's answer is a credit budget with a human paged when you blow past it. Who's accountable when the agent makes it worse? Has to be a human. Agents are tools. You don't get to blame your AI coding agent for shipping garbage code, and ilert doesn't get to blame the model either. Trust is binary - five good runs and one bad one, and you strip its write access. But even in observe-only, the value is real, because the time sink in an incident was never the fix, it was finding the needle. Cut root cause from 45 minutes to a few. And the closer nobody wants to hear: if you skipped observability and fifteen years of homework, an AI SRE isn't going to save you. You can't skip the parts you skipped.   Birol's contact information: LinkedIn: https://www.linkedin.com/in/birolyildiz/ X: https://www.linkedin.com/in/birolyildiz/   YouTube channel: https://youtube.com/devopsparadox   Review the podcast on Apple Podcasts: https://www.devopsparadox.com/review-podcast/   Slack: https://www.devopsparadox.com/slack/   Connect with us at: https://www.devopsparadox.com/contact/

She gave that teacher exactly what she wanted. The grade came back an A, and something in her body clicked into place. Safe. Correct. Good job. This is what happens when a nervous system spends childhood in survival mode. It stops looking for the right choice and starts hunting for the choice that produces a hit of relief. That hit has a name. It is dopamine, and it is not a reward for doing well. It is a signal that danger has passed, for now. Genea spent years mistaking that signal for the truth, until she built something actually right for her, and felt nothing when it worked. Here's the part almost nobody catches in themselves:

Editorial: A esquerda assume os propósitos censores do PL da Misoginia

AI Isn't Replacing God—It's Helping You Steward Better Have you ever created a budget only to abandon it a few weeks later? Maybe the problem isn't your discipline. Maybe it's your system. In this episode, Dr. Chonta Haynes explains how Christian women can confidently use AI as a biblical stewardship tool without compromising their faith. You'll learn why AI should never replace prayer, wisdom, or the Holy Spirit—but can become an incredible assistant for organizing your finances, identifying money leaks, and building a budget that fits the way God uniquely designed you. More importantly, you'll discover how to combine AI with your Biblical Financial Personality so your budget finally works with you instead of against you. If you've ever wondered whether Christians should use AI, or you've opened ChatGPT and had no idea what to ask, this episode gives you practical prompts you can begin using today. You'll Discover • Why most budgets fail • Whether Christians should use AI • How AI fits into biblical stewardship • The exact ChatGPT budgeting prompt • Why one-size-fits-all budgets never work • How to personalize AI for Steam, Water, Ice and Fire personalities • How to partner prayer with practical planning • Why awareness always precedes transformation • The biblical foundation for using technology wisely • How this prepares you for building Kingdom legacy Detailed Podcast Timestamps 00:00 Why your budget keeps failing 01:47 How this series builds toward financial freedom 02:33 Should Christians use AI? 03:00 Engineering meets theology 03:55 Why God isn't intimidated by innovation 05:18 What AI is—and isn't 06:56 How to begin using ChatGPT for budgeting 08:20 The information AI actually needs 09:22 Why AI isn't just for younger generations 10:18 The biggest mistake people make with AI 11:00 The complete budgeting prompt 12:27 Upload your budget worksheet 13:34 Prayer + AI = Biblical stewardship 14:13 Why personality matters 16:17 Your personality explains habits—not your future 17:23 Custom AI prompts for Steam personalities 17:49 Custom AI prompts for Water personalities 18:11 Custom AI prompts for Ice personalities 18:44 Custom AI prompts for Fire personalities 21:19 Three practical action steps 22:45 Preparing to build legacy in Part Four Prompt 1: I am a Christian woman and I want to build a faith-based budget. My monthly take-home income is [your number]. My fixed expenses are [list them]. My variable expenses are [list them]. I tithe ten percent first. I want to save ten percent. Please: Organize my budget into Giving, Saving, Fixed Expenses, and Variable Expenses. Tell me if my spending fits within the 80% lifestyle principle. Identify my biggest financial leak. Recommend three practical ways to balance my budget without reducing my tithe or savings. End with one biblical stewardship principle and one encouraging Scripture that applies to my situation. (Optional) I'm attaching my current budget as a reference. [Get your free budget sheet at https://chontahaynes.com/free-resources … save it as a pdf then upload it before hitting enter] Prompt 2: [If you don't know your Biblical financial personality watch part 1 of the series, get Destined To Prosper (https://chontahaynes.com/destined) or download https://chontahaynes.com/free-bfp] My Biblical financial personality is [STEAM / WATER / ICE / FIRE] according to Dr. Chonta Haynes' biblical financial personalities. Based on this personality, what are my biggest budgeting risks and what guardrails should I build in? Add one of these: > *If you are STEAM — My gift is giving and that line item should reflect my generosity while staying within budget. Allocate more on that line than other non essential variable items. > *If you are WATER - I'm not used to staying within budget and I enjoy spur of the moment adventures. Make my budget flexible to allow me opportunities for spontaneity. > *If you are ICE - I will strictly follow this budget but I tend to be future focused and not enjoy today. Create a line item that allows me to reward myself even if it is only [insert $ amount] a month. > *If you are FIRE — At the bottom of my budget add a line that tells me how close I am to my retirement goal. My goal is to spend [insert your annual amount you want to spend in retirement] a year in retirement. I am [enter your age] years old and expect to live until I'm 90. I've currently saved [enter dollar amount ] for retirement in investments, [enter dollar amount ] in savings plus what you've identified in my budget for savings. Assume my retirement grows at 8% per year in investments and 3% per year for savings. Tell me the total amount I need for retirement and the monthly interest I will receive from these funds. Books: Destined To Prosper : https://ChontaHaynes.com/destined Financial Wisdom For Financial Freedom: https://chontahaynes.com/books CROWNed by Design Collective: https://chontahaynes.com/collective Connect with Dr. Chonta Haynes Book a call https://chontahaynes.com/destiny YouTube: https://youtube.com/@ChontaHaynes Instagram: https://Instagram.com/ctahaynes LinkedIn: https://linkedin.com/in/chonta-haynes Support the Mission Heart 2 Heart Truth Foundation Donate: https://www.paypal.com/donate?hosted_button_id=UZG5B9KX59U4S

Easements, Encroachments & Property Lines: Understanding The Boundaries That Can Make Or Break A Real Estate Transaction When buying or selling a home, most people focus on the obvious details price, location, square footage, number of bedrooms, and recent updates. But one of the most overlooked aspects of real estate has nothing to do with what's inside the home. It has everything to do with the land. Property lines, easements, and encroachments can affect how you use your property, what you can build, your relationship with neighbors, and even whether your transaction closes smoothly. At Boston Connect Real Estate, we've seen these issues arise in everything from first-time home purchases to long-time family homes. Understanding them before you buy or before you list your home for sale can save you significant stress later. Let's break down what every homeowner should know. What Are Property Lines? Property lines are the legal boundaries that define where your land begins and ends. While this may seem straightforward, many homeowners are surprised to learn that what they think are their property lines may not actually be correct. Just because: A lawn is mowed a certain way A tree line separates two yards A stone wall has existed for decades A fence has always been there . . . doesn't necessarily mean that's where the legal boundary exists. The only way to know with certainty is through legal records and, when necessary, a professional land survey. Why Property Lines Matter Knowing your property lines becomes especially important if you're planning to: Install a fence Build a garage or shed Add an addition Install a swimming pool Build a deck Install a septic system or well Remove large trees Sell your property Building even a few feet onto someone else's property can create expensive problems that may need to be resolved before closing. Don't Assume the Fence Marks the Boundary One of the biggest misconceptions homeowners have is believing that the existing fence marks the property line. In reality, many fences were installed years or even decades ago without a formal survey. Sometimes homeowners simply replaced an existing fence, assuming it was in the correct location. Unfortunately, that assumption isn't always correct. During one recent transaction, a survey revealed that a neighbor's fence extended approximately five feet onto the property being purchased. Neither homeowner realized there was an issue because the fence had existed for years. Situations like this are more common than many people realize. What Is an Encroachment? An encroachment occurs when a structure or improvement extends onto another person's property. Common examples include: Fences Driveways Sheds Retaining walls Decks Landscaping Utility structures Sometimes these encroachments are minor and have existed peacefully for decades. Other times, they can delay a real estate transaction or require legal agreements before closing. Every situation is unique, which is why buyers should perform proper due diligence before purchasing a property. What Is an Easement? An easement is a legal right that allows another individual, company, or government entity to use a portion of your property for a specific purpose even though you still own the land. Many homeowners are surprised to learn their property contains an easement. In fact, many never notice one because it rarely affects their day-to-day lives. Common types of easements include: Utility Easements These allow utility companies access to maintain or repair underground or overhead infrastructure such as: Water lines Sewer lines Gas lines Electric service Telephone or internet lines Utility companies don't simply enter your property whenever they want. These easements exist so they can access infrastructure if maintenance or emergency repairs become necessary. Drainage Easements These protect stormwater management systems, drainage areas, retention ponds, or detention basins that help prevent flooding. Driveway Easements Sometimes neighboring properties share access through one driveway. In these cases, one property owner may legally have the right to cross another owner's land to reach their home. Access Easements Some parcels require access across another property because they don't have direct frontage on a public road. These legal rights are typically recorded with the property's title. Can Easements Be Removed? In some situations, yes. An easement may become abandoned or legally terminated if the original purpose no longer exists. For example, during one recent transaction, an older recorded driveway easement had never actually been used because the neighboring property was ultimately developed differently than originally planned. Although the easement remained in historical records, it had effectively been abandoned. Determining whether an easement still exists or remains enforceable should always involve a qualified real estate attorney. Why Surveys Matter A professional land survey provides far more than property dimensions. A survey can identify: Property corners Boundary lines Easements Existing improvements Encroachments Lot dimensions If you're making improvements to your property or purchasing a home where boundaries may be unclear a survey can provide valuable peace of mind. The Importance of Title Insurance Title insurance is one of the most valuable protections a homebuyer can purchase. Many buyers hope they'll never need it. Fortunately, most never do. But if an issue involving ownership rights, easements, encroachments, or recorded property interests arises after closing, title insurance may provide important protection. Considering that purchasing a home is one of the largest financial investments most people will ever make, title insurance offers security that many homeowners appreciate having. Disclosure Matters When selling a home, transparency is essential. Known easements, shared driveways, boundary questions, or encroachments should be discussed with your real estate professional and closing attorney early in the transaction. Addressing these matters upfront helps: Avoid surprises during closing Reduce delays Build buyer confidence Protect everyone involved in the transaction Every property is unique, and disclosure requirements can vary depending on the circumstances. Neighbor Relationships Matter Too Boundary issues don't always become legal disputes. In many cases, neighbors work together to resolve concerns respectfully. Open communication can often prevent misunderstandings before they become larger problems. However, documenting agreements and consulting legal professionals when necessary helps protect both parties for the future. Final Thoughts Understanding your property's legal boundaries is just as important as understanding the home itself. Whether you're purchasing your first home, selling a property you've owned for decades, or planning future improvements, taking the time to understand property lines, easements, and encroachments can help you avoid costly surprises. At Boston Connect Real Estate, we believe educated buyers and sellers make confident decisions. Our team works closely with experienced real estate attorneys, surveyors, lenders, and title professionals to help guide clients through every step of the process. Because every move should be a moving experience. Thinking about buying or selling a home? Contact Boston Connect Real Estate today. We'll help you understand every aspect of your property from the front door to the property lines and guide you confidently through your next move. Watch our live video on Youtube!

Governo Trump concede green card a Eduardo Bolsonaro. E Brasil vai ter eleitorado mais velho e com 158 milhões de pessoas aptas a votar em 2026.See omnystudio.com/listener for privacy information.

Once upon a time, salespeople could live several different lives. There was the polished professional who met clients during the day. Then there was the private version who could enjoy a heroic night out, behave like a complete goose and assume nobody important would ever hear about it. Those days are gone. Today, buyers can search your name before you meet. They can inspect your LinkedIn profile, read your comments, watch your videos, examine your photographs and decide whether you look credible—or dangerous—from the comfort of their office. You are already being judged. The only question is whether you are helping to shape the verdict. Why Does a Salesperson's Public Image Matter? Your public image matters because buyers are deciding whether they trust you before you have even shaken hands. In the old days, a potential client might know your company name, your job title and whatever gossip was circulating within a fairly small business circle. Your family life, weekend behaviour and questionable karaoke performances usually remained safely separated from your professional reputation. Social media blew that arrangement to pieces. Now buyers can discover professional articles, recommendations and client advice. They can also discover angry political rants, embarrassing photographs, customer complaints and evidence that you occasionally lose all adult supervision after 10:00 p.m. That online material becomes part of your sales presentation whether you intended it to or not. A strong public image creates familiarity and confidence. A careless one can kill the deal before the meeting invitation is even sent. Do now: Search your own name as though you were a suspicious buyer with a large budget and a low tolerance for nonsense. Do Buyers Really Research Salespeople Before Meeting Them? Of course they do. Buyers investigate us in exactly the same way we investigate them. Before meeting a prospect, salespeople check LinkedIn, company websites, press releases and industry news. We want to know who we are meeting, what they care about and whether there is any useful common ground. Buyers are not sitting around waiting helplessly for us to arrive. They are doing their own research. They look at our employment history, qualifications, recommendations, connections, articles and public comments. They want reassurance that we are credible. They are also hunting for red flags. I have seen candidates listen to executive interviews before attending job interviews. Potential employees research the leaders they may work for. Prospective clients consume podcasts, videos and articles before contacting a training provider or professional adviser. The first sales conversation may therefore begin long before you enter the room—and you may not even be present. Do now: Assume every prospect has already inspected your LinkedIn profile and prepare it accordingly. What Should Buyers Find When They Search for You? They should find useful proof that you know what you are talking about—not a digital graveyard or an endless stream of self-congratulation. A polished profile is helpful, but anybody can write that they are "passionate," "dynamic" and "results-driven." LinkedIn is bursting with passionate, dynamic, results-driven people. Evidence is much more persuasive. Publish original ideas. Explain a customer problem. Share a useful framework. Record a short video. Write an article. Join a podcast. Analyse a trend in your industry. You do not need six podcasts, three television shows and thousands of articles. That level of content production is clearly the behaviour of someone who needs a hobby. You do, however, need enough current, relevant material to show buyers that you understand their world. Your content should help them conclude, "This person knows something useful," rather than, "This person appears to enjoy posting motivational quotations over photographs of mountains." Do now: Select one client problem and publish one practical, original response to it this month. What Online Content Can Damage a Salesperson's Reputation? Anything that makes buyers question your judgement can damage your reputation faster than you can say, "That photograph was taken out of context." Photographs of you completely smashed at the local boozer may be hilarious to your mates. They are less amusing to a risk-conscious buyer considering a major contract. The same applies to abusive comments, offensive humour, public arguments and extreme opinions. You are entitled to have personal views, but you are not entitled to control how every client reacts to them. Politics and religion are especially effective ways to divide an audience. Unless either subject is central to your professional work, entering those battles publicly may deliver plenty of emotional excitement and absolutely no revenue. Other people make this more complicated. You can control what you upload, but you cannot completely control what your colleagues post. If everyone in the group photograph is clearly off their face, try to be the calm, demure one holding a glass of water and wondering how your life came to this. Do now: Review old posts, public comments, tagged photographs and privacy settings before a buyer does it for you. Is Having No Online Presence Also a Problem? Yes. Finding nothing can be almost as damaging as finding the wrong thing. A buyer who searches your name and discovers no professional evidence may wonder whether you are experienced, relevant or even still active in your field. This does not mean you need to become an online celebrity. Nobody is demanding that you dance on TikTok while explaining procurement strategy. Start with the basics. Use a professional photograph. Write a clear headline. Explain who you help and what problems you solve. Make sure your employment history is accurate and your recent activity supports your professional positioning. Then create a small library of original content. One useful article a month is better than daily drivel. A thoughtful two-minute video is more persuasive than repeatedly hijacking somebody else's content, adding a three-line introduction and pretending you have become a thought leader. Original work gives buyers something important: evidence. Do now: Build a credible minimum presence with a complete profile and at least three pieces of useful original content. How Can Salespeople Build a Strong Personal Brand? A strong personal brand comes from being useful, consistent and recognisable—not from endlessly announcing how magnificent you are. Choose a few subjects connected to the problems you solve for clients. If you sell cybersecurity, discuss business risk. If you work in leadership development, talk about engagement, accountability and difficult conversations. If you sell complex technology, explain it in language a normal human being can understand. Stay consistent. Buyers should gradually associate your name with a particular area of expertise. Professional production also matters. Clear writing, decent sound, sharp photographs and well-prepared videos tell the audience that you take your work seriously. The material does not need Hollywood production values, but it should not look as though it was recorded inside a cupboard during an earthquake. Avoid turning every post into propaganda. Constant selling becomes tiresome. Teach something useful and let buyers reach the conclusion that you may be worth speaking with. Do now: Decide which three business topics you want buyers to associate with your name and keep producing around them. Conclusion Your digital reputation is now part of your sales kit. Buyers will search for you. They will examine what you have published, what others have said about you and how you behave in public. They may reach a conclusion before you have the chance to deliver your perfectly rehearsed opening question. Conduct a forensic investigation of your online presence. Search your name. Examine old accounts. Review tagged photographs. Remove unsuitable material where possible and strengthen the professional evidence attached to your name. Publish original, useful and current content. Show buyers that you understand their challenges. Give them reasons to trust your judgement. You cannot stop buyers from judging you before they meet you. What you can do is make sure they find the person you deliberately chose to put in front of them—not the accidental digital version created by years of careless posting. Author Bio Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" in 2018 and 2021 and received the Griffith University Business School Outstanding Alumnus Award in 2012. As a Dale Carnegie Master Trainer, Greg is certified to deliver leadership, communication, sales and presentation programmes globally, including Leadership Training for Results. He has written several books, including the best-sellers Japan Business Mastery, Japan Sales Mastery and Japan Presentations Mastery, as well as Japan Leadership Mastery and How to Stop Wasting Money on Training. His Japanese-language books include Za Eigyō（ザ営業）, Purezen no Tatsujin（プレゼンの達人）, Torēningu de Okane o Muda ni Suru no wa Yamemashō（トレーニングでお金を無駄にするのはやめましょう）and Gendaiban "Hito o Ugokasu" Rīdā（現代版「人を動かす」リーダー）. Greg also publishes daily business insights on LinkedIn, Facebook and X and hosts six weekly podcasts. On YouTube, he produces The Cutting Edge Japan Business Show, Japan Business Mastery and Japan's Top Business Interviews for executives and professionals seeking practical strategies for succeeding in Japan.

Sometimes the biggest barriers in our relationships arenʻt what we say, but what we assume. Watch to discover how Jesus models a simple practice in Mark 10 that can transform our conversations and relationships.

durée : 00:04:47 - Les Matins de France Culture - par : Marie Sorbier - En 2026, le festival Off d'Avignon, rendez-vous majeur du spectacle vivant, célèbre ses 60 ans du 4 au 25 juillet 2026 avec plus de 1700 spectacles présentés. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

God gives us assignments that are for a moment, season, or lifetime. As we are doing an assignment, we may not know which time frame it falls into. Therefore, it is important to stay connected to Holy Spirit and not assume an assignment from God is forever so that we can be open to hearing if (or when) a change in assignment comes. This is important because God's anointing for success follows His assignments. __________ Matthew 15:24 KJV, Matthew 10:5–7 KJV, Matthew 28:18–20 KJV, Acts 1:8–9 KJV, Acts 8:1 KJV, Acts 10:10–16 KJV __________ Partner with Us: https://churchforentrepreneurs.com/partner Connect with Us: https://churchforentrepreneurs.com __________    

Former Marine, algorithm programmer, and professional momentum trader Jamar James explains how institutions really trade, why win rate is overrated, how AI is changing the trading landscape, and the psychology required to survive long enough to become consistently profitable. https://jamar-james - Jamar's Links

What assumptions can we make about the 2026 Mizzou football season? Plus, we predict which Cardinals and Royals can make an impact in the MLB All-Star Game.

What if your faith was never meant to stay on the sidelines?   In this message, Pastor Jason Berry challenges us to move beyond simply consuming our faith and start living it. Through Jesus' interaction with Matthew in Matthew 9, we discover practical ways to reach the people God has placed in our lives.   You'll learn how to:   Assume people are more open to Jesus than you think. Build bridges instead of walls. Focus on taking the next faithful step instead of feeling pressured to have all the answers.   The Gospel spreads one conversation, one invitation, and one life at a time. The question is: Who is your one?

I'm happy to bring you this discussion with my friend Larry Lepard, which I hope helps explain some of the more nuanced points I make when talking about Bitcoin and Strategy. These podcasts, posted here, are now all on a slight delay and are taken from my near-daily blog, Fringe Finance. As of right now I have no sponsors, so the best way to show support is just to listen/read or subscribe to my blog: http://quoththeraven.substack.com    You can also still contribute a one time or recurring donation to the podcast via Patreon: https://www.patreon.com/QTRResearch   All podcast content is subject to this disclaimer, which you should read slowly, multiple times. Thank you all for your continued support over the years. I stand on the shoulders of the people who listen to and/or enjoy my content and I never lose sight of that. QTR's Disclaimer: Please read my full legal disclaimer on my About page here. This post represents my opinions only. In addition, please understand I am an idiot and often get things wrong and lose money. I may own or transact in any names mentioned in this piece at any time without warning. Contributor posts and aggregated posts have been hand selected by me, have not been fact checked and are the opinions of their authors. They are either submitted to QTR by their author, reprinted under a Creative Commons license with my best effort to uphold what the license asks, or with the permission of the author.   This is not a recommendation to buy or sell any stocks or securities, just my opinions. I often lose money on positions I trade/invest in. I may add any name mentioned in this article and sell any name mentioned in this piece at any time, without further warning. None of this is a solicitation to buy or sell securities. I may or may not own names I write about and are watching. Sometimes I'm bullish without owning things, sometimes I'm bearish and do own things. Just assume my positions could be exactly the opposite of what you think they are just in case. If I'm long I could quickly be short and vice versa. I won't update my positions. All positions can change immediately as soon as I publish this, with or without notice and at any point I can be long, short or neutral on any position. You are on your own. Do not make decisions based on my blog or what my guests say. Nothing is fact checked. I exist on the fringe. Assume any and all numbers in this piece are wrong and make sure you check them yourself. The publisher does not guarantee the accuracy or completeness of the information provided in this page. These are not the opinions of any of my employers, partners, or associates. I did my best to be honest about my disclosures but can't guarantee I am right; I write these posts after a couple beers sometimes. I edit after my posts are published because I'm impatient and lazy, so if you see a typo, check back in a half hour. Also, I just straight up get shit wrong a lot. I mention it twice because it's that important.

"A complaint focuses on a specific behavior, but criticism attacks a person's very character." - John Gottman Summary This episode focuses on how criticism in marriage, especially towards husbands, can quietly damage connection and respect if it targets a person's character instead of addressing specific behaviors. Many wives fall into patterns of correcting or pointing out faults, often with good intentions, but this can lead to defensiveness, withdrawal, and a negative cycle in the relationship. In this episode, Mike and Alicia emphasize the importance of expressing concerns calmly and specifically, assuming goodwill, and building up your spouse through affirmation rather than constant critique. They encourage taking responsibility for your own tone and approach, choosing respect over being "right," and fostering a spirit of partnership that strengthens the marriage instead of eroding it. Re-release of MFP044.   Key Takeaways Criticism attacks identity, complaints address behavior Respect matters more than being "right" Assume the best, not the worst - Timing and tone are everything Focus on your own growth first   Couple Discussion Questions Are there specific words or habits of mine that make you feel discouraged or unappreciated? Do you notice any patterns where we fall into criticism and defensiveness? What usually triggers those moments for us? Is there something you wish I understood better about why you do certain things? How can I bring up concerns in a way that feels encouraging instead of critical?   Resources MFP Episode 369: Marriages Don't Accidentally Communicate Well MFP Blog: Arguing with Your Spouse https://messyfamilyproject.org/blog/arguing-with-your-spouse-2/   MFP Communication in Marriage Guide https://messyfamilyproject.org/guide/communication/

Chame a Laila e descubra como eu posso te ajudar: https://bit.ly/laila-otrabalhodevolveSe você tivesse 15 minutos por dia, o que mudaria na sua vida?

In this episode of The Gentle Rebel Podcast, we explore the variety of neurodiversity. I’ve been staying with friends over the past few weeks, including Lucas, who is nearly 12. He is autistic, and after spending time trawling through the Gentle Rebel Podcast episode archive, we had a chat about topics he thought would be good to explore. One of those topics was what he described as “the variety of neurodiversity”. When I asked what that meant to him, and why he felt that was an important thing to discuss, he said that it’s important to realise that not all neurodivergent people have the same needs or preferences. It can be frustrating for him when people make assumptions because of his autism, confusing one person’s experience as being true and applicable to everyone. It reminded me of the story I’ve told a few times on the podcast, when I shared that I love horror films and someone responded by saying it meant I wasn’t a highly sensitive person (HSP). Fortunately, I met a bunch of fellow HSP horror fans who were very grateful to discover they were not alone in that love and passion. It was a really nice reminder that we are all different. There is no one-size-fits-all approach to our natural variations, and while brains share characteristics across neurotypes, our needs, preferences, and tastes are a more complex mix of genetics, environment, and psychology. https://youtu.be/4xJmXtRoIlM 13 Questions I created a mini-zine for Lucas to answer some questions about this topic, which I share in the episode. He has given me permission to talk about his responses because we hope this can help people feel a bit safer and more confident being themselves, even if it makes them different. And for those listening who spend time with neurodivergent people, we hope this encourages them to see everyone as an individual rather than making assumptions that they would be the same as others they’ve met, or as themselves. I would also love to invite you to share your own responses to these questions. I’ve created a survey because I’d be really interested in gathering a variety of responses and getting a sense of the variety of neurodiversity. Can you remember a time when someone assumed something about you because you were autistic? What did they get wrong? Before moving to be educated at home, Lucas had noticed adults assuming that he was like the other autistic children at the school. The teachers assumed he found it difficult to learn, but in Lucas’s case, he found it difficult to be at school. Having spent a lot of time with the family over the past five years, I’ve seen this radical shift as he has transitioned from that institutional school setting to home-based education and is absolutely blossoming. In a way, it feels frustrating that the teachers who had all but written him off through those assumptions will likely never see it. He loves learning, is a sponge for knowledge, and embraces the joy of connecting the dots across a vast range of subjects. What do people tend to misunderstand most about neurodivergent people? “Sometimes people think we’re all the same”, Lucas replied to this one. “They assume that ADHD people are naughty, but actually our brains have so much to focus on so it’s hard to listen.” “Naughty” is a judgement based on the person making it (and the context they are in). In many situations not designed for different types of brains, when people are unable to focus, respond as expected, or do so at the correct speed, authority figures may ascribe intent to those actions. This underpins the disadvantage faced by those expected to play by rules that impose a heavy cognitive load. This can prevent them from functioning and flourishing in their natural way. Have people ever tried to help you in a way that actually made things harder? What did they do? I didn’t ask this question to make people with good hearts feel bad. But because it sits at the heart of much of this stuff, and I’ve heard countless stories of kids being ignored by those who think they know what’s best for them. Lucas described how his needs were ignored by the adults at school. We know about the role of differential susceptibility from the ever-growing body of research around environmental sensitivity. Vantage Sensitivity indicates that the more sensitive someone is, the more positively they are affected by a safe and supportive environment. Diathesis Stress shows that the more sensitive a person is, the more they’re negatively affected by stressful conditions. The school setting can be stressful for neurotypes with diverse sensitivities whose nervous systems don’t naturally fit the normalised environment. Do you know autistic people who are very different from you? How are they different? Lucas said yes to this because, for example, some autistic people he knows are more confident when speaking. Those whose brains function in similar ways still have different personalities, tastes, and abilities. It can be encouraging to see people with the same neurotype who are also different, because it inspires us to believe we’re not necessarily limited or restricted, especially when those limits or restrictions are imposed by unfair assumptions and unfavourable environments. Have you ever felt like you’re not autistic in the right way? If so, what makes you say that? Lucas wondered if his brain was too complex to be autistic, but when he learned about neurodiversity, he learned about differences and similarities in brain functioning. If you could design the perfect school or learning environment for yourself, what would it include? And what would it not include? Schools are such formative environments. And as we all know, they can leave a lasting imprint on the shape of our lives and our sense of self. “In a perfect environment”, Lucas said, “I would feel safe and there would be someone I trust”. Trust is a big word here because it is so easily eroded when people want others to comply and conform with societal norms. I don’t think I know anyone with a more astute and accurate BS detector than Lucas. It’s been refined by experiences of being coaxed into situations by adults who say things like, “You can trust me; you’ll enjoy it once you’re in there.” Accumulate enough such experiences, and it becomes very difficult to trust what authority figures say, especially when you don’t enjoy it once you’re in that overwhelming environment. Do you think other autistic people would want exactly the same things? Why or why not? “No, we’re all different. For example, some autistic people like quiet, but I like music and loud noises.” This is the heart of the variety of neurodiversity that inspired Lucas to highlight this topic. For one person, silence can be really distracting and create a lot of noise within them. For another person, silence is the only way they can focus and calm their mind. Lucas also noted that, from his experience, some things seem common across many autistic people. For example, “finding conversations tricky and we might need more time for things”. What is something important about you that has nothing to do with autism? It can be challenging to recognise things about ourselves that make us different from others. Lucas noticed things he has in common with his dad, who isn’t autistic. They both look similar. They both like music and silly jokes, and are very polite. He has a wonderful, vibrant imagination as well. There’s a joy to see whirring away. His was the mind behind The Spirit of The Cheese, where Jono (his dad) and I took direction and turned his vision into a reality. https://www.youtube.com/shorts/dWSuB3WqEaE If someone met you for five minutes, what would they probably get wrong about you? “They might think I don’t speak”, was Lucas’s response to this. Familiar, I’m sure, to many of us, especially introverts and highly sensitive people who take time to pause and assess things before stepping into environments and situations. He continued, “I only really chat to people when they feel okay to talk to. When I know people are safe, I really like chatting to them.” This is the same for me. I can get lost in the flow of conversation. But on meeting me, people often assume I’m quiet, shy, or reserved. What do you wish people cared more about? Lucas’s response to this was a frustration with people caring so much about humans as being more special than everything else. He is passionate and knowledgeable about the natural world, and acutely aware of how damaging humans have been to it because of this underlying attitude of human exceptionalism. He added that he would also like to see neurodivergent people as people who matter. It occurs to me that both would make the world a better place, allowing everyone to see the impact of human exceptionalism. Not just on the environment but on humans themselves. It is part of what leads us to become more divided as a species. And it reinforces systems of inequality and individualistic habits of wealth hoarding. Likewise, when neurodiversity is treated in a way that doesn’t honour value and allow everyone to flourish in sync with their natural potentials, we diminish the richness of our collective human experience. I concur. That is something I wish people cared more about, too. If someone gives you advice, how do you decide whether it will work for you? Sometimes advice comes from people who, as we’ve talked about already, make assumptions that don’t apply to us. They might be speaking from a foundation that is different from who we are, what we care about, and what we think is important. Lucas said, “I think about whether I respect them, trust them, and know them.” Adding, “If I don’t like them, I might regret following their advice.” Have you ever been told “this works for autistic people” and thought, well, not for me? If so, what was it? Lucas returned to the question of silence versus loud noises. People assume that he should want things quiet because that’s how it is for some other autistic people, but he likes some loud noises. He also mentioned the context of going to a special school that said it was good for autistic people, but he still found it stressful, as he had with previous mainstream educational settings. Why do you think people like having a single answer that applies to everybody? I couldn’t help myself with this one. It’s a question that I’m fascinated by. It’s what drives my self-help exploration as well. Why do we try to universalise explanations and come up with grand theories of everything, rather than treating people as individuals, and situations and environments as places of unique potential, expression, history, and story? Lucas said, “It’s less work to think about”, which is a great response. It’s easier to imagine everyone as the same than to treat people as individuals. But what does this cost us? What does it prevent us from being able to do? How is it limiting us, not just as individuals, but as a society? A huge thanks to Lucas again for his thoughtful suggestion and great input on this topic. It has been such a joy putting this together. And I think we both hope it is helpful to anyone listening. Share your responses to the questions in this survey (it doesn’t matter who you are or your neurotype; the point is to hear stories from a variety of people!). There’s also an option to download and print the mini-zine if you’d prefer to write and draw by hand. Feel free to send me a photo when you’re finished!

Ryan breaks down the Packers' massive injury report with 17 players and warns against assuming everyone will be ready for week one given the team's injury history. Key discussion points: - Tucker Kraft and Micah Parsons targeting returns but setbacks possible - Luke Musgrave's injury history and prove-it year concerns - Zach Tom's push to return for start of camp - Aaron Banks and Jacob Monk situations on the offensive line - Skyy Moore's special teams impact if sidelined - Devonte Wyatt's injury raising contract questions - Javan Hargrave and Warren Brinson adding to defensive tackle issues Subscribe to the Packernet Podcast, leave a rating and review, and follow on social media for more Packers analysis. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Check out everything I'm building across the Packers and NFL world: NFL Draft Grades: https://nfldraftgrades.com/ Hashmarks: https://hashmarks.io/

Ryan breaks down the Packers' massive injury report with 17 players and warns against assuming everyone will be ready for week one given the team's injury history. Key discussion points: - Tucker Kraft and Micah Parsons targeting returns but setbacks possible - Luke Musgrave's injury history and prove-it year concerns - Zach Tom's push to return for start of camp - Aaron Banks and Jacob Monk situations on the offensive line - Skyy Moore's special teams impact if sidelined - Devonte Wyatt's injury raising contract questions - Javan Hargrave and Warren Brinson adding to defensive tackle issues Subscribe to the Packernet Podcast, leave a rating and review, and follow on social media for more Packers analysis. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Check out everything I'm building across the Packers and NFL world: NFL Draft Grades: https://nfldraftgrades.com/ Hashmarks: https://hashmarks.io/

Send us Fan MailGen Alpha Is Here. Is Your Ministry Ready?The students walking into your ministry today have never known life without smartphones, algorithms, or instant access to the world.They're also asking bigger questions than many churches are prepared to answer.In this episode Zac Workun sits down with Dr. Shelly Melia at SBC2026 to discuss what makes Generation Alpha unique,and why youth ministry may need to rethink some of its biggest assumptions.From AI and biblical literacy to belonging and family discipleship, this conversation is packed with practical wisdom for leaders who want to disciple students instead of simply entertaining them.Why Gen Alpha is fundamentally different from Gen ZThe coming impact of AI on discipleshipWhy biblical literacy is declining faster than many leaders realizeHow COVID shaped students' expectations of faith and sufferingThe importance of teaching lament and resilienceWhy belonging—not attendance—is becoming the key metricHelping parents become disciple-makers at homeMoving from information transfer to transformational dialogueWhy every student needs trusted adults—not just a great youth pastorPractical ways to reduce digital dependence inside your ministry"The whole world is Gen Alpha's neighborhood.""Students are receiving far more discipleship from their phones than from the church.""Stop talking at students. Start dialoguing with them.""Students don't just need to belong. They need to be needed.""The truth is stronger than the questions.""Youth ministry isn't just about entertaining students. It's about empowering disciples."Practical TakeawaysBuild your ministries that prioritize relationships over production.Teach students how to wrestle with suffering before suffering arrives.Assume less biblical knowledge and teach foundational Scripture intentionally.Create environments where questions are welcomed.Equip parents instead of replacing them.Help students practice presence in an age of constant distraction.Shift from event-centered ministry to disciple-making communities.Reaching Generation Alpha — Dr. Shelly Melia & Shane PruittSupport the showJoin the community!

Despite efforts by Florida officials warning residents and visitors about the threat of alligators during mating season, there have been three separate attacks in that state in just one week. The most recent attack happened on Sunday, when a 31-year-old woman hiking with her boyfriend and best friend, died after a massive alligator first bit off one arm, and then attacked her second, as her boyfriend desperately called 9-1-1 for help. She died on her way to the hospital. Two others were injured by alligators including a 19-year-old snorkeler and a young boy who was bitten in the hand while fishing. Florida officials are telling folks: “Assume alligators are present in any body of water in Florida.”See omnystudio.com/listener for privacy information.

Despite efforts by Florida officials warning residents and visitors about the threat of alligators during mating season, there have been three separate attacks in that state in just one week. The most recent attack happened on Sunday, when a 31-year-old woman hiking with her boyfriend and best friend, died after a massive alligator first bit off one arm, and then attacked her second, as her boyfriend desperately called 9-1-1 for help. She died on her way to the hospital. Two others were injured by alligators including a 19-year-old snorkeler and a young boy who was bitten in the hand while fishing. Florida officials are telling folks: “Assume alligators are present in any body of water in Florida.”See omnystudio.com/listener for privacy information.

Despite efforts by Florida officials warning residents and visitors about the threat of alligators during mating season, there have been three separate attacks in that state in just one week. The most recent attack happened on Sunday, when a 31 year old woman hiking with her boyfriend and best friend, died after a massive alligator first bit off one arm, and then attacked her second, as her boyfriend desperately called 911 for help. She died on her way to the hospital. Two others were injured by alligators including a 19 year old snorkeler and a young boy who was bitten in the hand while fishing. Florida officials are telling folks: “Assume alligators are present in any body of water in Florida.”See omnystudio.com/listener for privacy information.

Imagine understanding every word around you while the adults talk over you like you're not even there — and not having a reliable way to communicate until you're almost 19. That's part of Jordyn Zimmerman's story. Jordyn is an autistic woman who is non-speaking and a full-time AAC user, and in this conversation she shares, from lived experience, what will change how you show up in your classroom. Communication is a basic human right. It is never something a student has to earn, and there are no prerequisites for AAC. None. We talk about why a lack of speech is not a lack of language, what an AAC-rich environment really looks like, the difference between requesting systems and robust language-based AAC, and what "presume competence" actually means as an action, not just a phrase. Jordyn also shares her advocacy work and the simple, powerful truth that every learner deserves a way to comment, question, joke, disagree, and tell their own stories. A quick heads up before you listen: Jordyn prepared some answers ahead of time and responded to others in real time, so you'll hear pauses between each question and Jordyn's answer. I challenge you to resist the urge to fast-forward through the wait time. Sitting with that silence is one of the most important skills of a good communication partner — in this episode, and in your classroom. We'll talk about: why a lack of speech is not a lack of language — and non-speaking is not non-understanding why communication is a basic human right, not something a student earns the real differences between PECS, core boards, and robust language-based AAC what an AAC-rich environment looks like, and why it's hard to build in separated settings what "presume competence" actually looks like in daily practice Jordyn's advocacy work — and why there are no prerequisites for AAC In This Episode, You'll Learn What Jordyn wishes the adults around her had understood about supporting AAC users Why consistent, individualized access to a communication system matters from the start How to build an AAC-rich, language-rich environment that goes beyond the device Why PECS is a requesting system, and what robust AAC makes possible How autonomy, choice, and agency separate true communication from requesting alone What presuming competence means as an action, including offering robust vocabulary from the beginning Why we shouldn't limit a student's vocabulary until they've "proven" competence Why honoring wait time is a core communication-partner skill Key Takeaways Communication is a basic human right, never something a student earns There are no prerequisites for AAC — none A lack of speech is not a lack of language; non-speaking is not non-understanding Robust, language-based AAC offers autonomy; requesting systems alone do not An AAC-rich environment models language in every way, not just through the device Presume competence by offering robust language access from the very beginning Honoring wait time is part of being a good communication partner Try This Resist the urge to fill silence — give real wait time and let the person respond Model language through AAC, not just spoken words, throughout the day Offer robust vocabulary from the start instead of waiting for "proof" of readiness Build an AAC-rich environment so every child both hears and sees language Look for any "prerequisites" in your setting — then work to remove them Assume the child understands, and talk with them, never over them Make space for commenting, joking, and disagreeing, not just requesting Related Resources & Links  Jordyn Zimmerman Website Jordyn's documentary Preschool Autism Summit + VIP Day (Jordyn returns for a deeper conversation) No research or framework can teach us what it feels like to understand everything and have no way to say it. When we presume competence, offer robust language from the start, build AAC-rich environments, and honor wait time, we stop asking children to earn their voices and start making sure they always have one. That is the work, and it changes everything.  

We have previously discussed the law of association, and this week I want to cover all things law of assumption, and how our beliefs shape our reality. By the end of this episode I want you to take responsibility for your assumptions and actions, and recognize that true leadership and success stems from a strong belief in yourself and a clear vision for your future. Purchase my new book, Level Up Your Leadership--Links & resources:To follow more info about the podcast@levelup.debbienealCheck out my personal instagram account@debbie_neal

Peter Schiff is an American stockbroker, financial commentator, and radio personality known for his bearish economic predictions, advocacy for free markets, and criticism of government debt. He is the CEO and Chief Global Strategist of Euro Pacific Capital, a financial commentator who frequently appears on news networks like Fox Business, and the author of several books on the economy. His work often focuses on the potential dangers of U.S. economic policies and has predicted economic downturns, most notably the 2008 financial crisis.  These podcasts, posted here, are now all on a slight delay and are taken from my near-daily blog, Fringe Finance. As of right now I have no sponsors, so the best way to show support is just to listen/read or subscribe to my blog: http://quoththeraven.substack.com    You can also still contribute a one time or recurring donation to the podcast via Patreon: https://www.patreon.com/QTRResearch   All podcast content is subject to this disclaimer, which you should read slowly, multiple times. Thank you all for your continued support over the years. I stand on the shoulders of the people who listen to and/or enjoy my content and I never lose sight of that. QTR's Disclaimer: Please read my full legal disclaimer on my About page here. This post represents my opinions only. In addition, please understand I am an idiot and often get things wrong and lose money. I may own or transact in any names mentioned in this piece at any time without warning. Contributor posts and aggregated posts have been hand selected by me, have not been fact checked and are the opinions of their authors. They are either submitted to QTR by their author, reprinted under a Creative Commons license with my best effort to uphold what the license asks, or with the permission of the author.   This is not a recommendation to buy or sell any stocks or securities, just my opinions. I often lose money on positions I trade/invest in. I may add any name mentioned in this article and sell any name mentioned in this piece at any time, without further warning. None of this is a solicitation to buy or sell securities. I may or may not own names I write about and are watching. Sometimes I'm bullish without owning things, sometimes I'm bearish and do own things. Just assume my positions could be exactly the opposite of what you think they are just in case. If I'm long I could quickly be short and vice versa. I won't update my positions. All positions can change immediately as soon as I publish this, with or without notice and at any point I can be long, short or neutral on any position. You are on your own. Do not make decisions based on my blog or what my guests say. Nothing is fact checked. I exist on the fringe. Assume any and all numbers in this piece are wrong and make sure you check them yourself. The publisher does not guarantee the accuracy or completeness of the information provided in this page. These are not the opinions of any of my employers, partners, or associates. I did my best to be honest about my disclosures but can't guarantee I am right; I write these posts after a couple beers sometimes. I edit after my posts are published because I'm impatient and lazy, so if you see a typo, check back in a half hour. Also, I just straight up get shit wrong a lot. I mention it twice because it's that important.

A lot of people treat quitting drinking like it's something they can start whenever they want. They think, “I'll quit after this trip.” “I'll quit after the summer.” “I'll quit after my birthday.” “I'll quit when work calms down.” “I'll quit after the holidays.” “I'll quit when I feel more ready.” or “I'll try again tomorrow” On the surface, that sounds reasonable. It sounds like you're making a plan. It sounds like you're choosing a better time. It sounds like you're saying, “Yes, I know this needs to change, but I'm going to wait until I can really focus on it.” But the problem is that readiness is not always available. Sometimes you get a rare moment where everything lines up in a way that lets you finally see the truth. Maybe you wake up with anxiety that feels different this time. Maybe you're exhausted from disappointing yourself. Maybe you're tired of making rules and breaking them. Maybe you're tired of waking up and trying to piece together what happened. Maybe you're tired of pretending it isn't as bad as it feels. Maybe you have one of those moments where the denial drops just long enough for you to think, “I can't keep doing this. Something has to change.” The mistake people make is assuming that moment will still be there tomorrow. Work with me: Community & Meetings: Living a Sober Powered Life https://www.soberpowered.com/membership Content only membership https://community.soberpowered.com/checkout/lessons Sober coaching https://www.soberpowered.com/sober-coaching Weekly email: You'll hear from me every week-ish https://www.soberpowered.com/email Support the show: If you enjoyed this episode please consider buying me a coffee to support all the research and effort that goes into this podcast https://www.buymeacoffee.com/soberpowered Thank you for supporting this show by supporting my sponsors https://www.soberpowered.com/sponsors Sources are posted on my website Disclaimer: all of the information described in this podcast is my interpretation of the research combined with my opinion. This is not medical advice.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Market Wizards author Jack Schwager reveals the common traits shared by some of the most successful traders he's ever interviewed—from a volunteer firefighter with virtually no losing months to a former musician who turned $40,000 into half a billion dollars. Discover why money management, mentorship, relentless research, and obsession with improvement consistently separate elite traders from the crowd. https://tradingnut.com/jack-schwager - Jack's Links

Order my new book - The Price of Becoming www.LearningLeader.com/Becoming The Learning Leader Show with Ryan Hawk This is brought to you by Insight Global. If you need to hire one person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world has the hustle and grit to deliver. My Guest - Tina Seelig has spent 27 years at Stanford teaching some of the world's most ambitious people how to see and seize opportunities. She's a neuroscientist, the executive director of Knight Hennessy Scholars, and the author of 18 books. Her TED Talk on luck has been viewed over 3.4 million times. Her newest book is called What I Wish I Knew About Luck: A Crash Course on Turning Aspirations into Achievements. Key Learnings Tina's dad died at 99 and a half. Three weeks before his first great-grandbaby was born. He was still driving, going to three dinner parties a week, and talking to Tina every day. His curiosity was his superpower. He gave 66 lectures in his retirement community over 20 years, on topics ranging from nuclear weapons to climate change. Train yourself to be a professional noticer. When Tina's dad walked his grandkids into a new room, he'd give them a minute, then say "Shut your eyes." How many doors? Windows? What color is the carpet? Assume there's a million dollars in every room. It's up to you to find it. Opportunities are ubiquitous. You just have to look. Take the headphones off. The most powerful things happen when you engage with strangers. Standing in line. On the plane. Walking through campus. Tina sat next to a stranger named Mark on a plane. He was a publisher. He said no to her book proposal. She kept the relationship going. Years later, his editor approved the same proposal she had given Mark. Within two weeks, she had a contract. Wear something that invites conversation. A logo. A backpack from a conference. A college baseball shirt. Give the world a hook to start with you. Fortune is what happens to you. Luck requires action. Most people confuse the two and miss the chance to claim their agency. "With my luck, it's gonna rain." Reframe it: "With OUR luck, it's gonna be a beautiful sunny day." The reframe changes what you see.  Luck seldom sails solo. Most luck comes through other people. Cultivating meaningful relationships is the most underrated lucky behavior. You don't get a job. You get the keys to the building. The visible work isn't what gets you ahead. The invisible work is. Between stimulus and response is a choice. (Viktor Frankl) Within the constraints of fortune, agency is everything. "Tina, you think like a scientist." One sentence from a professor changed Tina's life. Leaders, know the weight of your words. Twenty years later, Tina wrote that professor a thank-you note. Twenty years after that, his granddaughter wrote back. They had read part of Tina's letter at his funeral. When a student made a bad decision, Tina's first instinct was to punish. She paused. Said, "Help me understand what happened." The whole community learned what empathy and humility look like in leadership. Unresolved conflict sucks the energy out of your day. Resolve it. You become taller, lighter, more open to lucky things. Oliver Greenwald sent Tina a list of 10 ways he could help her with her book. Nothing on the list was exactly what she wanted. She hired him anyway, because of the initiative. Build the sail to catch the wind. Build the ship. Your internal work. Values. Story. Goals. Recruit the crew. The people in your world. Hoist the sail. What you do every single day. Your core values are the keel of your ship. Without them, the first strong wind capsizes you. Keep a failure resume. Document what didn't work and what you'll do differently. Don't perseverate. Move on. "It's all good in the end. If it's not good, it's not the end." We're always in the middle of the story. Tina sends thank-you notes every single day. Five or ten minutes. Three or four sentences. Closes the loop. Builds the relationship. Don't end the dinner without making the next date. Most people drop the ball. Get it on the calendar before you leave. The instant you think something positive about someone, tell them. Be specific. Text. Email. Call. The instant. Tina's champagne moment: her newborn granddaughter at one year old. She just learned to turn over and looks so proud of herself. Reflection Questions What's on your failure resume right now that you haven't yet extracted the lesson from? Are you perseverating, or moving on? Whose thank-you note are you going to send today? Specific, genuine, unprompted.  Where in your life are you waiting for fortune and calling it bad luck? What is the action you've been avoiding because it requires you to put yourself out there? More Learning #679: Kat Cole: The Four Mindsets Every Leader Needs #669: Oz "The Mentalist" Pearlman: Overcoming Rejection, Getting the Reps, and Always Follow Up  #663: Priya Parker: The Art of Gathering: How We Meet & Why It Matters Episode Chapters 00:00 The Price of Becoming - Pre-Order Now!  01:09 Meet Tina Seelig  02:39 Tina's Dad: A Life of Curiosity at 99 and a Half  05:14 Becoming a Professional Noticer  06:54 The Stranger on the Plane Who Became Her Publisher  11:03 Wear Something That Invites a Conversation  14:11 Fortune vs. Luck: The Difference Most People Miss  16:08 The "With Our Luck" Reframe  21:09 Take the Earbuds Off and Get Out the Door  23:21 You Don't Get a Job, You Get the Keys to the Building  27:58 The Sentence That Changed Tina's Life  28:49 The Thank-You Note Read at a Funeral  31:52 The Student Who Made a Bad Decision  34:03 Oliver Greenwald and the List of Ten Ways to Help  37:04 The Sail Metaphor: How to Catch the Winds of Luck  39:41 What to Tell the Cynic Who Says "I'm Unlucky"  43:01 Core Values: The Keel of Your Ship  45:05 Why You Should Keep a Failure Resume  47:15 Send a Thank-You Note Every Single Day  52:06 The Champagne Question: Her Granddaughter at One  53:36 EOPC

In this episode, Natalie sits down with Keren Eldad — coach to some of the world's highest achievers and author of Gilded and the new Gilt Free — to unpack why external success never delivers the safety it promises. Keren shares the three core wounds beneath achievement addiction, the "gilded cage" so many high-achieving women are trapped in, and the surprising income threshold where what you want out of life finally starts to change. You'll learn how to recognize the wound driving your hustle, why "assume everyone likes you" became her most viral piece of advice, and the riptide rule for holding onto success without letting it consume you. If you've ever achieved everything you set out to and quietly wondered why it's still not enough, this episode is the reframe and the way out. Time Stamps:  03:50 The gilded cage: when the shiny life is the trap 07:50 "Yes, we're addicts" — achievement as addiction 15:30 The 3 core wounds behind every overachiever 18:18 The success coach who still spirals when business slows 21:34 The $500K line that changes what you actually want 27:50 "Assume everyone likes you" — the rule that went viral 38:11 The riptide rule for holding onto success 48:28 Why scaling might be the wrong goal entirely 53:46 What real credibility in coaching actually looks like Links & Resources:  Pre-Order The Freedom-Based Business Method. Follow Keren: @coachkeren  Grab a copy of Keren's book - Gilded: Breaking Free from the Cage of Ambition, Perfectionism, and the Relentless Pursuit of More Listen to Natalie on COACHED by Keren Eldad Sign Up For Our Free Weekly Newsletter & Get Insights From Natalie Every Single Week On All Things Strategy, Motherhood, Business Growth + More.  Drop Us A Review On The Podcast + Send Us A Screenshot & We'll Send You Natalie's 7-Figure Operating System Completely FREE (value $1,997).