Podcasts about Automatic

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

Today, we use the Affirmation Meditation to engage in Identity-Based change. When you repeat, "My consistency is my power. I show up for myself," you are not hoping to achieve an outcome; you are casting a vote for who you are. WELCOME TO THIS WEEK'S SERIES: Beyond Motivation: The Science of Automatic Discipline When you start meditating, your Pre-Frontal Cortex (PFC)—the center of logic, planning, and willpower—is working hard. This is exhausting. The goal of this 7-day series is to transfer the meditation practice from the energy-intensive PFC to the Basal Ganglia, the brain structure dedicated to automatic habits and procedural memory. This is the part of the brain that knows how to tie your shoes or drive a car without conscious thought. The techniques used this week—the physical Mudra cue, the rhythmic Breathing, and the simple Affirmation—are all designed to speak the language of the Basal Ganglia: simple, repeatable, and cued by the environment. This is day 2 of a 7-day meditation series, "Beyond Motivation: The Science of Automatic Discipline," episodes 3395-3401. YOUR WEEKLY CHALLENGE: The Zero Willpower Quest The goal is to prove that consistent, tiny actions are more powerful than occasional heroic efforts. you're not seeking a perfect 30-minute meditation; your goal is an unbreakable, 60-second consistency. YOUR MEDITATION JOURNEY DURING THIS WEEK'S SERIES Day 1:   Visualizing your goals Day 2:  Affirmation: "My consistency is my power." Day 3:  Power Breathing Day 4:  Gyan mudra for knowledge and wisdom Day 5:  Second chakra focus to maintain ambition Day 6:  Flow meditation combining the week's techniques Day 7:  Weekly review meditation and closure SHARE YOUR MEDITATION JOURNEY WITH YOUR FELLOW MEDITATORS Let's connect and inspire each other! Please share a little about how meditation has helped you by reaching out to me at Mary@SipandOm.com or better yet -- direct message me on https://www.instagram.com/sip.and.om. We'd love to hear about your meditation ritual!  WAYS TO SUPPORT THE DAILY MEDITATION PODCAST SUBSCRIBE so you don't miss a single episode. Consistency is the KEY to a successful meditation ritual. SHARE the podcast with someone who could use a little extra support. I'd be honored if you left me a podcast review. If you do, please email me at Mary@sipandom.com and let me know a little about yourself and how meditation has helped you. I'd love to share your journey to inspire fellow meditators on the podcast! All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com. FOR DAILY EXTRA SUPPORT OUTSIDE THE PODCAST Each day's meditation techniques are shared at: sip.and.om Instagram https://www.instagram.com/sip.and.om/ sip and om Facebook https://www.facebook.com/SipandOm/ SIP AND OM MEDITATION APP Looking for a little more support? If you're ready for a more in-depth meditation experience, allow Mary to guide you in daily 30-minute guided meditations on the Sip and Om meditation app. Give it a whirl for 7-days free! Receive access to 2,000+ 30-minute guided meditations customized around a weekly theme to help you manage emotions. Receive a Clarity Journal and a Slow Down Guide customized for each weekly theme.  2-Week's Free Access on iOS https://itunes.apple.com/us/app/sip-and-om/id1216664612?platform=iphone&preserveScrollPosition=true#platform/iphone All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com.Let go of repetitive negative thoughts. The beach waves were composed by Mike Koenig. Music composed by Christopher Lloyd Clark licensed by RoyaltyFreeMusic.com, and also by musician Greg Keller.

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

Welcome to this week's new series! This 7-day series is designed not just to teach meditation, but to make it an automatic, non-negotiable part of your daily routine using the science of Habit Stacking. The entire practice centers on the formula: "After [Current Habit], I will [New Habit]." Invite a friend to join you during this week's series! WELCOME TO THIS WEEK'S SERIES: Beyond Motivation: The Science of Automatic Discipline When you start meditating, your Pre-Frontal Cortex (PFC)—the center of logic, planning, and willpower—is working hard. This is exhausting. The goal of this 7-day series is to transfer the meditation practice from the energy-intensive PFC to the Basal Ganglia, the brain structure dedicated to automatic habits and procedural memory. This is the part of the brain that knows how to tie your shoes or drive a car without conscious thought. The techniques used this week—the physical Mudra cue, the rhythmic Breathing, and the simple Affirmation—are all designed to speak the language of the Basal Ganglia: simple, repeatable, and cued by the environment. This is day 1 of a 7-day meditation series, "Beyond Motivation: The Science of Automatic Discipline," episodes 3395-3401. YOUR WEEKLY CHALLENGE: The Zero Willpower Quest The goal is to prove that consistent, tiny actions are more powerful than occasional heroic efforts. you're not seeking a perfect 30-minute meditation; your goal is an unbreakable, 60-second consistency. YOUR MEDITATION JOURNEY DURING THIS WEEK'S SERIES Day 1:   Visualizing your goals Day 2:  Affirmation: "My consistency is my power." Day 3:  Power Breathing Day 4:  Gyan mudra for knowledge and wisdom Day 5:  Second chakra focus to maintain ambition Day 6:  Flow meditation combining the week's techniques Day 7:  Weekly review meditation and closure SHARE YOUR MEDITATION JOURNEY WITH YOUR FELLOW MEDITATORS Let's connect and inspire each other! Please share a little about how meditation has helped you by reaching out to me at Mary@SipandOm.com or better yet -- direct message me on https://www.instagram.com/sip.and.om. We'd love to hear about your meditation ritual!  WAYS TO SUPPORT THE DAILY MEDITATION PODCAST SUBSCRIBE so you don't miss a single episode. Consistency is the KEY to a successful meditation ritual. SHARE the podcast with someone who could use a little extra support. I'd be honored if you left me a podcast review. If you do, please email me at Mary@sipandom.com and let me know a little about yourself and how meditation has helped you. I'd love to share your journey to inspire fellow meditators on the podcast! All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com. FOR DAILY EXTRA SUPPORT OUTSIDE THE PODCAST Each day's meditation techniques are shared at: sip.and.om Instagram https://www.instagram.com/sip.and.om/ sip and om Facebook https://www.facebook.com/SipandOm/ SIP AND OM MEDITATION APP Looking for a little more support? If you're ready for a more in-depth meditation experience, allow Mary to guide you in daily 30-minute guided meditations on the Sip and Om meditation app. Give it a whirl for 7-days free! Receive access to 2,000+ 30-minute guided meditations customized around a weekly theme to help you manage emotions. Receive a Clarity Journal and a Slow Down Guide customized for each weekly theme.  2-Week's Free Access on iOS https://itunes.apple.com/us/app/sip-and-om/id1216664612?platform=iphone&preserveScrollPosition=true#platform/iphone All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com.Let go of repetitive negative thoughts. The beach waves were composed by Mike Koenig. Music composed by Christopher Lloyd Clark licensed by RoyaltyFreeMusic.com, and also by musician Greg Keller.

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

What happens if you can't afford your whole life insurance premium anymore? It's the most common concern when people design large policies for Infinite Banking: "I don't want to pay this huge premium until I'm 95 years old." The truth is, once you understand what premium is doing for you—building momentum, creating guaranteed growth, and establishing your family banking system—you won't want to stop. But life happens. Income disruptions, career changes, or simply changing priorities might make you reconsider. That's why understanding your contractual rights matters. There are five distinct options when you can't or won't continue paying premiums, and most people only know about the worst one: surrendering for cash. This episode breaks down all five options, from the contractual non-forfeiture provisions required by state law to the optimal strategy that lets your policy sustain itself. We explain extended term insurance, reduced paid-up insurance, automatic premium loans, and the dividend payment strategy—plus why working with an authorized IBC practitioner ensures you actually have access to these options. The goal isn't to plan your exit from day one, but to understand the full contract you're entering and know you have control no matter what happens.Chapters:00:00 - Opening segment07:00 - Introduction to non-forfeiture options and PUA  10:00 - Four contractual non-forfeiture options overview  11:20 - Cash value refresher13:00 - Net present value14:40 - Dave Ramsey's misrepresentation   17:50 - Company exposure and why cash value grows over time  18:55 - Option 1: Cash surrender value (closing the policy)  20:30 - Option 2: Extended term insurance explained  25:45 - Option 3: Automatic premium loan (APL)  27:00 - When APL makes sense: income disruption scenarios  32:00 - Base premium vs. total premium: What you actually need to sustain  35:00 - Option 4: Reduced paid-up insurance (RPU)  36:25 - Why you can't RPU before year seven (MEC rules)  42:15 - How using dividends changes projections  44:50 - Option 5: Using dividends to pay premiums (the optimal strategy)  48:05 - Keeping premium door open  52:00 - Protection and savings before speculation  54:10 - Keeping the wall between savings and investments  56:30 - Final thoughtsKey Takeaways:- Cash surrender value is not separate from death benefit—it's your equity in the future payment at present value- There are 5 total options when you can't pay premium: 4 contractual non-forfeiture options plus the dividend strategy- Cash surrender (Option 1): Walk away with equity, lose all coverage—least recommended option- Extended term insurance (Option 2): Same death benefit dollar amount, reduced timeframe based on cash value- Reduced paid-up insurance (Option 3): Same timeframe (whole life), reduced death benefit, no future premiums required- Automatic premium loan (Option 4): Company loans against cash value to pay base premium automatically- Dividend payment (Option 5): Use policy dividends to pay base premium—the optimal approach for mature policies- Not all whole life companies support optimal IBC design—must have PUA riders available- Work only with Nelson Nash Institute authorized practitioners to ensure proper policy structure- Goal is never to stop paying premium once you understand what it's doing for your family banking system- Your whole life policy should be the asset you understand most completely before signingGot Questions?Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/options  FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

Jean-Yves Duclos, Former Treasury Board President; Nik Nanos, Nanos Research; The Front Bench with: Muhammad Ali, Garry Keller, Karl Bélanger & Rachel Aiello.

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

AI Assisted Coding: From Deterministic to AI-Driven—The New Paradigm of Software Development, With Markus Hjort In this BONUS episode, we dive deep into the emerging world of AI-assisted coding with Markus Hjort, CTO of Bitmagic. Markus shares his hands-on experience with what's being called "vibe coding" - a paradigm shift where developers work more like technical product owners, guiding AI agents to produce code while focusing on architecture, design patterns, and overall system quality. This conversation explores not just the tools, but the fundamental changes in how we approach software engineering as a team sport. Defining Vibecoding: More Than Just Autocomplete "I'm specifying the features by prompting, using different kinds of agentic tools. And the agent is producing the code. I will check how it works and glance at the code, but I'm a really technical product owner." Vibecoding represents a spectrum of AI-assisted development approaches. Markus positions himself between pure "vibecoding" (where developers don't look at code at all) and traditional coding. He produces about 90% of his code using AI tools, but maintains technical oversight by reviewing architectural patterns and design decisions. The key difference from traditional autocomplete tools is the shift from deterministic programming languages to non-deterministic natural language prompting, which requires an entirely different way of thinking about software development. The Paradigm Shift: When AI Changed Everything "It's a different paradigm! Looking back, it started with autocomplete where Copilot could implement simple functions. But the real change came with agentic coding tools like Cursor and Claude Code." Markus traces his journey through three distinct phases. First came GitHub Copilot's autocomplete features for simple functions - helpful but limited. Next, ChatGPT enabled discussing architectural problems and getting code suggestions for unfamiliar technologies. The breakthrough arrived with agentic tools like Cursor and Claude Code that can autonomously implement entire features. This progression mirrors the historical shift from assembly to high-level languages, but with a crucial difference: the move from deterministic to non-deterministic communication with machines. Where Vibecoding Works Best: Knowing Your Risks "I move between different levels as I go through different tasks. In areas like CSS styling where I'm not very professional, I trust the AI more. But in core architecture where quality matters most, I look more thoroughly." Vibecoding effectiveness varies dramatically by context. Markus applies different levels of scrutiny based on his expertise and the criticality of the code. For frontend work and styling where he has less expertise, he relies more heavily on AI output and visual verification. For backend architecture and core system components, he maintains closer oversight. This risk-aware approach is essential for startup environments where developers must wear multiple hats. The beauty of this flexibility is that AI enables developers to contribute meaningfully across domains while maintaining appropriate caution in critical areas. Teaching Your Tools: Making AI-Assisted Coding Work "You first teach your tool to do the things you value. Setting system prompts with information about patterns you want, testing approaches you prefer, and integration methods you use." Success with AI-assisted coding requires intentional configuration and practice. Key strategies include: System prompts: Configure tools with your preferred patterns, testing approaches, and architectural decisions Context management: Watch context length carefully; when the AI starts making mistakes, reset the conversation Checkpoint discipline: Commit working code frequently to Git - at least every 30 minutes, ideally after every small working feature Dual AI strategy: Use ChatGPT or Claude for architectural discussions, then bring those ideas to coding tools for implementation Iteration limits: Stop and reassess after roughly 5 failed iterations rather than letting AI continue indefinitely Small steps: Split features into minimal increments and commit each piece separately In this segment we refer to the episode with Alan Cyment on AI Assisted Coding, and the Pachinko coding anti-pattern.  Team Dynamics: Bigger Chunks and Faster Coordination "The speed changes a lot of things. If everything goes well, you can produce so much more stuff. So you have to have bigger tasks. Coordination changes - we need bigger chunks because of how much faster coding is." AI-assisted coding fundamentally reshapes team workflows. The dramatic increase in coding speed means developers need larger, more substantial tasks to maintain flow and maximize productivity. Traditional approaches of splitting stories into tiny tasks become counterproductive when implementation speed increases 5-10x. This shift impacts planning, requiring teams to think in terms of complete features rather than granular technical tasks. The coordination challenge becomes managing handoffs and integration points when individuals can ship significant functionality in hours rather than days. The Non-Deterministic Challenge: A New Grammar "When you're moving from low-level language to higher-level language, they are still deterministic. But now with LLMs, it's not deterministic. This changes how we have to think about coding completely." The shift to natural language prompting introduces fundamental uncertainty absent from traditional programming. Unlike the progression from assembly to C to Python - all deterministic - working with LLMs means accepting probabilistic outputs. This requires developers to adopt new mental models: thinking in terms of guidance rather than precise instructions, maintaining checkpoints for rollback, and developing intuition for when AI is "hallucinating" versus producing valid solutions. Some developers struggle with this loss of control, while others find liberation in focusing on what to build rather than how to build it. Code Reviews and Testing: What Changes? "With AI, I spend more time on the actual product doing exploratory testing. The AI is doing the coding, so I can focus on whether it works as intended rather than syntax and patterns." Traditional code review loses relevance when AI generates syntactically correct, pattern-compliant code. The focus shifts to testing actual functionality and user experience. Markus emphasizes: Manual exploratory testing becomes more important as developers can't rely on having written and understood every line Test discipline is critical - AI can write tests that always pass (assert true), so verification is essential Test-first approach helps ensure tests actually verify behavior rather than just existing Periodic test validation: Randomly modify test outputs to verify they fail when they should Loosening review processes to avoid bottlenecks when code generation accelerates dramatically Anti-Patterns and Pitfalls to Avoid Several common mistakes emerge when developers start with AI-assisted coding: Continuing too long: When AI makes 5+ iterations without progress, stop and reset rather than letting it spiral Skipping commits: Without frequent Git checkpoints, recovery from AI mistakes becomes extremely difficult Over-reliance without verification: Trusting AI-generated tests without confirming they actually test something meaningful Ignoring context limits: Continuing to add context until the AI becomes confused and produces poor results Maintaining traditional task sizes: Splitting work too granularly when AI enables completing larger chunks Forgetting exploration: Reading about tools rather than experimenting hands-on with your own projects The Future: Autonomous Agents and Automatic Testing "I hope that these LLMs will become larger context windows and smarter. Tools like Replit are pushing boundaries - they can potentially do automatic testing and verification for you." Markus sees rapid evolution toward more autonomous development agents. Current trends include: Expanded context windows enabling AI to understand entire codebases without manual context curation Automatic testing generation where AI not only writes code but also creates and runs comprehensive test suites Self-verification loops where agents test their own work and iterate without human intervention Design-to-implementation pipelines where UI mockups directly generate working code Agentic tools that can break down complex features autonomously and implement them incrementally The key insight: we're moving from "AI helps me code" to "AI codes while I guide and verify" - a fundamental shift in the developer's role from implementer to architect and quality assurance. Getting Started: Experiment and Learn by Doing "I haven't found a single resource that covers everything. My recommendation is to try Claude Code or Cursor yourself with your own small projects. You don't know the experience until you try it." Rather than pointing to comprehensive guides (which don't yet exist for this rapidly evolving field), Markus advocates hands-on experimentation. Start with personal projects where stakes are low. Try multiple tools to understand their strengths. Build intuition through practice rather than theory. The field changes so rapidly that reading about tools quickly becomes outdated - but developing the mindset and practices for working with AI assistance provides durable value regardless of which specific tools dominate in the future. About Markus Hjort Markus is Co-founder and CTO of Bitmagic, and has over 20 years of software development expertise. Starting with Commodore 64 game programming, his career spans gaming, fintech, and more. As a programmer, consultant, agile coach, and leader, Markus has successfully guided numerous tech startups from concept to launch. You can connect with Markus Hjort on LinkedIn.

Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month USAA Government Shutdown Program 0% loan, credit check required, up to $6,000 Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000 PenFed Service Credit Union Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families. Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams. While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors. Topics Covered Government Shutdown Basics: Active duty military deemed mission essential, must continue reporting to work October 1st paycheck protected (work performed in September) October 15th paycheck at risk Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days Backpay is guaranteed by law once shutdown ends Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources) USAA Government Shutdown Assistance Program: https://www.usaa.com/support/government-shutdown-program/ Zero-interest loan: $500-$6,000 based on last direct deposit amount Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days) Additional relief: Auto/property insurance payment relief Credit cards: 3-month payment extension Consumer loans: 2-month extension with no interest Overdraft fees waived Home equity lines: 3-month payment extension Navy Federal Paycheck Assistance Program: https://www.navyfederal.org/about/government-shutdown.html Zero-interest loan: $250-$6,000 based on last direct deposit Major advantages: No credit check, not reported to credit bureaus Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA) Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately) Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt Service Credit Union Options: 0% APR for up to 4 months No payments for up to 90 days Up to $5,000 for qualifying members Standard underwriting criteria applies (may require credit check) Military Aid Societies (All Interest-Free): Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month Historical Context: 2011: Near shutdown (averted) 2013: 16-day shutdown 2018: 3-day shutdown 2018-2019: 35-day shutdown (Coast Guard NOT paid) Bipartisan political theater regardless of which party controls Congress Military pay typically protected by last-minute "Pay Our Troops Act" Immediate Action Steps Reduce non-essential expenses - No big purchases or travel bookings Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls Long-Term Action Steps Build an emergency fund - Minimum $1,000, ideally $10,000+ Switch to military-friendly bank - If current bank doesn't offer shutdown assistance Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency Turn off the news - Constant updates increase anxiety without adding value Focus on what you can control - Maintain internal locus of control Critical Security Warnings Scam Prevention: Only access programs through official websites: USAA.com and NavyFederal.org DO NOT use payday lenders or auto title loan companies DO NOT go through intermediaries If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website Verify all communications independently Key Takeaways Don't panic - This has happened before and will likely happen again You will be backpaid - Military pay typically protected; backpay is guaranteed by law Assistance is available - Multiple 0% loan options and interest-free aid society loans Use this as motivation - Build financial resilience and emergency funds Emergency funds are essential - Perfect example of why military members need cash reserves Related Episodes Episode 95: Previous government shutdown episode (check for still-relevant information) Resources & Links Military-Friendly Banks: USAA.com - Government shutdown assistance NavyFederal.org - Paycheck assistance program Service Credit Union - Shutdown loan program Military Aid Societies (Interest-Free Loans): Air Force Aid Society - Covers Air Force and Space Force Navy Marine Corps Relief Society - Quick assist loans Army Emergency Relief - Same-day to 48-hour assistance Coast Guard Mutual Assistance - Quick loan program Apply for Assistance: Register with Navy Federal by day before payday for funds on schedule USAA requires credit approval (new requirement) Aid societies offer interest-free alternatives to commercial loans Who This Episode Is For Active duty military facing potential missed paychecks Federal employees impacted by shutdown Federal contractors paid directly by government Military spouses managing finances during shutdown Anyone needing immediate financial assistance during government disruptions Contact Information Host: Spencer Reese Connect: Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Bliss: To be in bliss is to live a life so different from what we've known that it can seem impossible. Except it's not. It's what we've always suspected could be true if we can trust ourselves enough to take all the steps in the direction of our hearts. In this episode we discuss what it takes to live fully in bliss and why happiness, while perfect, may not be enough.

Will the bast help out Skubal?

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

On paper, your net worth is simple: assets minus liabilities. But what counts as an asset? How do you value things you can't easily sell? And is the final number even a useful measure of your financial health? And in today's Dumb Question of the Week: How much do I need to be rich? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply. ---Get in touch

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

Grab a copy of our BOOK here: http://winningtheweek.com/ Join Lifehack Tribe: https://members.lifehackmethod.com/join-lifehack-tribeSUBSCRIBE to our podcast on the platform of your choice! Spotify: http://spoti.fi/3pNtPVe Apple Podcasts: http://apple.co/3tiIpWW Or subscribe to our YouTube channel: https://www.youtube.com/c/LifehackBootcamp Time stamps:00:00 - Introduction00:39 - From Health Scare to Fresh Start. Bonnie, a coach and mom of two, shares how a major health scare pushed her to refocus on family, health, and sustainable systems at home.03:19 - Dreaming of Family Systems. Bonnie longs for routines her whole family can follow, eliminating the endless cycle of reminders and stress.05:50 - Start Small, Win Big. Demir and Carey show how even tiny fixes, like solving the water bottle problem, can kickstart momentum without overwhelm.09:45 - Health as the Ultimate Leverage. Preventive routines for sleep, exercise, and appointments become Bonnie's top priority, delivering peace of mind as well as long-term wellness.14:55 - Cracking the Screen-Time Struggle. Automatic shutoffs, parental controls, and phased limits turn nightly device battles into non-issues.22:50 - Parenting Without Nagging. From gamification to parent coalitions, Bonnie learns strategies to set boundaries without becoming the household “bad cop.”28:55 - Shared Accountability at Home. Shift responsibility to kids through visible checklists, streaks, and rewards.34:00 - The 30-Minute Fix Rule. Simple hacks like Apple Watch intercoms or socks by the shoes prove that under-30-minute experiments can create massive calm and leverage.38:15 - Batching Made Simple. From freezer-friendly food prep to biweekly honey-do sessions, batching transforms repeat chores into smooth, efficient rituals.44:55 - Clutter Control with One Mantra. “Don't put it down, put it away” becomes the anchor habit for keeping chaos at bay, supported by recurring reviews and minimalist thresholds.55:01 - Bonnie's Big Three. She commits to the 30-minute problem-solve, the Hearth nightly reset, and the clutter mantra as her first steps toward lasting structure.Check out our FREE masterclass all about How To Plan The Perfect Week In 30 Minutes Flat: https://bit.ly/3eEZ9AQ Check out our website: https://lifehackmethod.com/

Check out the first trailer for Gale - Yellow Brick Road: https://www.youtube.com/watch?v=vfdaizGLg1gIn theatres February 11th, 2026

Pastor Mike teaches that while God wants to take care of people, that is up to each individual to allow that. God does not take care of everyone. Audio>

Former State Department employees whose roles were eliminated as part of a reduction-in-force still received information about whether they would be needed during the government shutdown — including some workers who were told their positions were “excepted.” While the full extent of the issue wasn't immediately clear, three such employees shared those notifications with FedScoop on the condition of anonymity for fear of retaliation. Others were also aware of the problem even if they didn't receive the messages themselves. In response to a FedScoop request for comment, a State spokesperson indicated the department was aware of the issue and had taken steps to address it, confirming there were “minor” discrepancies with data, saying that the department immediately worked to resolve any outstanding issues. Of the three State Department notices reviewed by FedScoop, one informed the RIF'd employee that their position was “excepted” and explained that those roles are defined as those needed for emergencies that threaten life and property or are essential for national security. It then ordered that worker to “report to work on your next regularly scheduled workday.” The other two already RIF'd employees were told that they would be furloughed during the shutdown but that it was “in no way a value judgement on the work you do for the Department.” Those employees were also instructed to review their department emails for updates despite not being able to access that information. Of the three RIF'd employees, only one — a foreign service officer — is still on the department's payroll. As employees at the Education Department prepared for a looming government shutdown this week, several set an automatic email reply to inform others of their furloughed status. But by Thursday morning, some furloughed workers discovered that their automatic email replies had been altered, without their knowledge, to include a message blaming Democratic senators for the ongoing government shutdown. According to two furloughed Education Department employees, the agency sent workers suggested language to use for their out-of-office messages earlier this week, but the language was “neutral” regarding the shutdown. One of the employees, speaking on the condition of anonymity, told FedScoop they and other furloughed staff mostly cut and paste from the suggested language with little to no changes when setting their automatic replies. But when they checked their automatic email replies Thursday morning, the message changed and included partisan language mentioning Democrats, the employee said. The other furloughed worker said they set the generic text for their OOO email Wednesday morning and the message was changed by Wednesday night. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Max talks with Bret Koebbe, Vice President of Sporty's Pilot Shop, about how Starlink internet access is entering general aviation cockpits and what that means for pilots today and in the future. For decades, cockpit connectivity was mostly reserved for the airlines. Systems like Gogo provided limited bandwidth, required expensive antennas, and were impractical for piston aircraft. GA pilots relied on ADS-B weather, portable receivers, or Iridium text messaging to stay connected. That landscape has shifted with the Starlink Mini, a portable satellite dish small enough to fit in a 182 or Cirrus, delivering broadband internet in flight.   Benefits for Pilots Bret outlines the legitimate safety advantages. Pilots can text family or FBOs, update arrival times, and share real-time position updates. More importantly, Starlink could enable widespread filing of PIREPs directly from an iPad, improving weather data for all. Weather cameras, now integrated into ForeFlight, could become accessible in flight, offering pilots actual visual conditions instead of relying solely on METARs or AWOS reports. Risks and Distractions But Starlink also poses serious distraction risks. Bret shares a personal story: during a family trip, he streamed an NFL game mid-flight, only to realize within seconds how dangerously it diverted his attention. He immediately shut it off, but the experience was a powerful reminder of how alluring the technology is. Max underscores that the NTSB lists distractions as a top factor in loss-of-control accidents, and Starlink could easily become an “attractive nuisance” in cockpits. Cost and Service Plans Starlink Mini hardware is about $499, and the Local Priority plan runs $65/month for 50 GB, sufficient for most piston pilots. For corporate pilots and jets, the Global Priority plan at $250/month supports higher speeds and offshore operations. Bret explains the differences in speed limitations (350 mph for Local Priority vs 550 mph for Global Priority) and how to choose based on aircraft type and mission. Mounting and Power Solutions Because Starlink Mini lacks an internal battery, powering it is key. Bret recommends Sporty's Flight Gear Max Battery, capable of outputting 140 watts via USB-C, giving about three hours of Starlink runtime. For longer flights, higher-capacity solutions exist. Mounting options include suction cup mounts for rear windows (ideal in high-wing Cessnas and Cirrus aircraft) or side-window solutions in low-wing and corporate jets. Positioning is critical—blocking the dish with wings can cause dropouts. Practical Tips Bret offers pilot-tested tips: Create a custom iPad Focus Mode that blocks notifications except for critical texts when ForeFlight is open. Establish SOPs—use Starlink only in cruise and disconnect before descent. Enable Low Data Mode on devices to prevent iCloud or app background syncing from eating up gigabytes. Don't rely on Starlink radar or traffic feeds, which have even more latency than ADS-B. The Future of Connected Cockpits Looking ahead, Bret sees huge potential. Automatic turbulence reporting from onboard sensors could update in real time if aircraft have internet connections. Engine monitor data could be streamed to ground support for diagnostics, offering pilots in-flight decision support. Eventually, Starlink-enabled cockpits could complement FAA datalink systems like CPDLC, streamlining communication and safety services. Final Thoughts This milestone Episode 400 illustrates how cockpit technology continues to evolve rapidly. Affordable internet access brings new possibilities for safety, convenience, and passenger comfort, but it also requires disciplined use to prevent dangerous distractions. As Bret and Max agree, the future of aviation will be defined by how responsibly pilots integrate these new tools. Whether you fly a piston single, a turboprop, or a corporate jet, Starlink is likely to shape your cockpit experience in the coming years. This episode gives pilots the knowledge to make informed decisions as they consider adopting Starlink for their aircraft. If you're getting value from this show, please support the show via PayPal, Venmo, Zelle or Patreon. Support the Show by buying a Lightspeed ANR Headsets Max has been using only Lightspeed headsets for nearly 25 years! I love their tradeup program that let's you trade in an older Lightspeed headset for a newer model. Start with one of the links below, and Lightspeed will pay a referral fee to support Aviation News Talk. Lightspeed Delta Zulu Headset $1299 NEW – Lightspeed Zulu 4 Headset $1099 Lightspeed Zulu 3 Headset $949Lightspeed Sierra Headset $749 My Review on the Lightspeed Delta Zulu Send us your feedback or comments via email If you have a question you'd like answered on the show, let listeners hear you ask the question, by recording your listener question using your phone. 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Get the Free Aviation News Talk app for iOS or Android. Check out Max's Online Courses: G1000 VFR, G1000 IFR, and Flying WAAS & GPS Approaches. Find them all at: https://www.pilotlearning.com/ Social Media Like Aviation News Talk podcast on Facebook Follow Max on Instagram Follow Max on Twitter Listen to all Aviation News Talk podcasts on YouTube or YouTube Premium "Go Around" song used by permission of Ken Dravis; you can buy his music at kendravis.com If you purchase a product through a link on our site, we may receive compensation.

I've helped thousands of people to review their investment portfolios and check whether it's truly aligned with their goals. Over and over, I see the same concerns, misunderstandings, and blind spots. And in today's Dumb Question of the Week: How can you keep yourself accountable? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply. ---Get in touch

UAE crypto holders can no longer hide from tax authorities as the Emirates joins global data-sharing agreement by 2028.View the full article here.Subscribe to the IMI Daily newsletter here. 

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Mannequins written by Alexander SaxtonCelebrate 10 years of WRONG STATION! https://www.wrongstation.com/TRIGGER WARNINGS AVAILABLE AT THE BOTTOM OF THE SHOW NOTES. MAY CONTAIN SPOILERS.Intro music by Brandt ParksLeave me a voice mail! ‪(323) 546-8764‬Ad Free version available on PatreonYou can send your stories to: scareyoutosleep@gmail.comhttps://linktr.ee/ScareYouToSleepMusic by Epidemic Sound and Co.AGAdditional sound effects from Freesound.orgCAR-ENGINE, Volkswagen Golf GLE 1.8 1992 Automatic, engine running idle, interior-0001.wav by JoniHeinonen | License: Attribution 3.0 TW: mannequins, sex, chafing Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Mannequins written by Alexander SaxtonCelebrate 10 years of WRONG STATION! https://www.wrongstation.com/TRIGGER WARNINGS AVAILABLE AT THE BOTTOM OF THE SHOW NOTES. MAY CONTAIN SPOILERS.Intro music by Brandt ParksLeave me a voice mail! ‪(323) 546-8764‬Ad Free version available on PatreonYou can send your stories to: scareyoutosleep@gmail.comhttps://linktr.ee/ScareYouToSleepMusic by Epidemic Sound and Co.AGAdditional sound effects from Freesound.orgCAR-ENGINE, Volkswagen Golf GLE 1.8 1992 Automatic, engine running idle, interior-0001.wav by JoniHeinonen | License: Attribution 3.0 TW: mannequins, sex, chafing Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The process of applying to college can be so cumbersome and time consuming that applicants have little time left over for elaborate scholarship applications. Luckily, students can qualify for abundant merit aid just by excelling on admissions tests they should be prepping for anyway! Amy and Mike invited educator Shaan Patel to explore how to unlock automatic scholarships with PSAT, SAT, & ACT scores. What are five things you will learn in this episode? How directly do SAT and ACT scores translate into guaranteed scholarship money? How does the PSAT connect to the National Merit Scholarship program? What score ranges typically unlock the biggest automatic scholarships at public and private universities? How can families use their College 529 Savings Plans for test preparation?   What are the most effective strategies for students to maximize both their scores and scholarship opportunities? MEET OUR GUEST Dr. Shaan Patel is the Founder and CEO of Prep Expert. On ABC's Shark Tank, he closed a deal with Mark Cuban for an investment in Prep Expert. He created Prep Expert to help high school students achieve their own dreams. Prep Expert has helped more than 100,000 students improve their SAT and ACT scores, get into top colleges, and win over $100 million in scholarships. Prep Expert offers online SAT and ACT courses, academic tutoring, and college admissions consulting. Shaan can be reached at prepexpert.com. LINKS Merit Aid Grids National Merit Scholarship RELATED EPISODES THE ROLE OF TEST SCORES IN COLLEGE MERIT AID FLORIDA BRIGHT FUTURES SCHOLARSHIP PSAT AND THE NATIONAL MERIT SCHOLARSHIP PROCESS FOUR SCHOLARSHIP MYTHS ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright, Roots2Words, and College Eagle. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, get in touch through our contact page.