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Your 60-second money minute. Today's topic: Living On Buffers Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Today's episode covers buffers, the space between ingress and egress where a packet might have to live for a fraction of a second if the egress port is tied up transmitting other packets. This topic came courtesy of John Howard who joins Drew and Ethan as a co-host to discuss buffers with guest Rob Sherwood. How... Read more »
Today's episode covers buffers, the space between ingress and egress where a packet might have to live for a fraction of a second if the egress port is tied up transmitting other packets. This topic came courtesy of John Howard who joins Drew and Ethan as a co-host to discuss buffers with guest Rob Sherwood. How... Read more »
Today's episode covers buffers, the space between ingress and egress where a packet might have to live for a fraction of a second if the egress port is tied up transmitting other packets. This topic came courtesy of John Howard who joins Drew and Ethan as a co-host to discuss buffers with guest Rob Sherwood. How... Read more »
In this episode, former Milwaukee Brewers left-hander Scott Karl traces his path from Carlsbad standout to big league starter to financial advisor. He swaps stories with Jeff about Bandon Dunes and his move from California to Lake Norman, then dives into his career, getting a last-minute shot after the '94 strike, surviving as a finesse pitcher in a power era, facing legends like Randy Johnson, Greg Maddux, and Sammy Sosa, and taking the mound during the 1998 home run chase. Scott shares how he lost roughly 70% of his portfolio in the dot-com bust while still playing, what it taught him about risk and advisors, and how it pushed him into wealth management. He explains why many athletes blow through life-changing money, how he builds portfolios with buffered ETFs, structured notes, and private credit, and how he manages expectations around upside, downside, and liquidity. The conversation widens to NIL, parents effectively betting travel-ball costs on scholarships, and the risk of turning college sports into a money race. Scott also talks about raising two Division I volleyball players, the mental side of high performance, and how those lessons carry into investing, before closing with his favorite baseball cities and parks, from Wrigley day games to the old Jake in Cleveland and nostalgic nights at Dodger Stadium. SEND IT!Chapters:00:00-02:21=Intro02:22-09:59= Private Jets, Bandon Dunes, and the Road from Carlsbad to the Big Leagues10:00-24:09= Facing Maddux and the Big Unit: Velocity, Wiffle Balls, and the Rise of the 100-MPH Era24:10-34:12= From Million-Dollar Contracts to Going Broke: Why Pro Athletes Struggle with Money34:13-44:17= Making a Short Career Last a Lifetime: Contracts, Risk Math, and Smoother Portfolios44:18-56:31= Buffers, Structured Notes, and Private Credit: Building Smoother Rides Through Rough Markets56:32-01:05:47= First Responders vs. Second Responders: Buffers, Managed Futures, and Protecting the Downside01:05:48-01:14:25= NIL, Transfers, and Pandora's Box: How College Sports Turned into a Money Game01:14:26-01:22:28= From Youth Sports to Life After the Game: Parenting, Perspective, and Baseball's Best Cities01:22:28-01:27:57= Gibsons, Wrigley Day Games, and Why Petco Might Be Baseball's Best ParkFrom the Episode: PIVOT PODCAST (Caleb Williams podcast episode)https://open.spotify.com/episode/4qO6oXmftTn8Jl4Ru3R4Mg?si=kzx-UJ_YTe25pDr8mNHfAQ&nd=1&dlsi=4cc9da8589d542a2Follow along with Scott and Silverleaf WM on LinkedIn and be sure to check out silverleafwealth.com for more information!Don't forget to subscribe toThe Derivative, follow us on Twitter at@rcmAlts andsign-up for our blog digest.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visitwww.rcmalternatives.com/disclaimer
If you've written creatine off as a supplement for guys at the gym, Dr. Dan Pardi, sleep researcher, neuroscientist, and Chief Health Officer at Qualia Life, will change your mind. Dan has spent decades studying what creatine actually does in the body — and what the research reveals for midlife women is genuinely surprising. It's not about muscle. It's about energy. And energy is foundational to everything. Try Qualia Creatine+: https://qualialife.com/better — use code BETTER for 15% off. Episode Overview: 0:00 Introduction — Who Is Dan Pardi? 5:29 Creatine 101: From Olympic Track to Every Body 8:11 Myths Busted: Bloating, Bulking, and What's Actually Happening 14:51 The Kidney and Hair Loss Myths 21:49 Where Does Creatine Go? (The Concrete Slope Analogy) 29:58 How Creatine Buffers Energy: The ATP Mechanism 51:55 Women, Hormones, and Creatine Deficiency 57:57 When and How to Take It 1:04:45 Formulations: Monohydrate vs. Everything Else 1:17:29 How to Start, What to Track, and Dan's Full Supplement Stack 1:35:23 After Party — Dr. Stephanie's Takeaways Resources mentioned in this episode: http://drstephanieestima.com/podcasts/ep467/ We couldn't do it without our sponsors: TROSCRIPTIONS - There's a completely new way to optimize your health. Give it a try at https://troscriptions.com/BETTER or enter BETTER at checkout for 10% off your first order. TIMELINE - Timeline's clinically proven formula is now available at a new, lower price . Mitopure now starts at $79, when you go to https://timelinenutrition.com/better with code BETTER. JUST THRIVE HEALTH - Take the Just Thrive FEEL BETTER challenge today, and save 20% on your first order. Go to https://justthrivehealth.com/better and use the code BETTER to see the difference for yourself. PIQUE - Designed to deeply hydrate, enhance skin elasticity & firmness and support sustained energy—exactly what we need during this stage of life. Start your daily ritual today with 20% off for life—plus a free gift to elevate your routine. Head to https://piquelife.com/drestima. COZY EARTH - Give yourself the kind of comfort that lives with you all day — not just the moment you get home. Head to https://cozyearth.com and use my code BETTER for up to 20% off. ****************************P.S. When you're ready, here are two ways Dr. Stephanie can help you:Subscribe: The Mini Pause — My weekly newsletter packed with the most actionable, evidence-based tools for women 40+ to thrive in midlife.Build Muscle: LIFT — My progressive strength training program designed for women in midlife. Form-focused, joint-friendly, and built for real results. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Every now and then a new technology comes along that changes everything – electricity, computers, potentially AI. In mid-19th-century America, that technology was the steam locomotive. It knitted the US economy together, driving the nation's industrialisation during the Gilded Age. But along the way, it also caused one of the biggest financial crises in American history. FT Alphaville editor Robin Wigglesworth tells his co-host, FT columnist Gillian Tett, the story of the great railway bubble that ended in the Panic of 1873. It's also the story of the spectacular rise and fall of Jay Cooke, the greatest banker of his day, who lost a fortune betting on a railroad that would eventually span the North American continent – just not in time to repay its debts. Robin and Gillian discuss what lessons the financier's fate holds for the investors gambling on today's AI boom.Credits: New York Times Archive, Otto Herschan Collection/Hulton Archive/Getty Images, Hulton Archive/Getty ImagesFurther reading:Jay Cooke: Financier of the Civil War, by Ellis Paxson Oberholtzer (1907)Jay Cooke's gamble: the Northern Pacific Railroad, the Sioux, and the Panic of 1873, by M John Lubetkin (2006)Railroaded: The Transcontinentals and the Making of Modern America, by Richard White (2012)Pop! Why Bubbles Are Great For The Economy, by Daniel Gross (2007)A Fabulous Debt: The Epic Story of How Bonds Built the Modern World, by Robin Wigglesworth (2026 – forthcoming)To enjoy future episodes, be sure to subscribe to The Story of Money wherever you get your podcasts, also on the show's dedicated YouTube channel here: Hosts: Gillian Tett and Robin WigglesworthProducer: Lulu SmythSenior Producers: Michela Tindera and Laurence Knight Executive Producers: Flo Phillips and Manuela SaragosaOriginal music and sound design: Breen TurnerBroadcast engineers: Bianca Wakeman and Petros GiuompasisPodcast Development: Laura ClarkeFT Global Head of Audio: Cheryl BrumleyVideo editor: Josh Divney at Podcast DiscoveryRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3991: Colin Wright reflects on the reality of biological limits, from physical exhaustion to emotional overwhelm, and how learning to work with them, not against them, can lead to growth. By turning travel time into a deliberate buffer for processing difficult emotions, he transforms discomfort into creativity and clarity. This perspective offers a powerful way to handle transitions while staying open to new experiences. Read along with the original article(s) here: https://exilelifestyle.com/biological-limitations-travel-buffers/ Quotes to ponder: "I was struggling, focusing all of my energy, willpower, and mental strength so as not to falling asleep, crashing the car and killing everyone inside it." "The balance that I've found works best for me is to give myself a short period of time during which I can miss the hell out of the people and places I'm leaving and then move on." "It's amazing what being overwhelmed by even negative emotions can do for your creative drive (if used in moderation and channeled correctly)." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3991: Colin Wright reflects on the reality of biological limits, from physical exhaustion to emotional overwhelm, and how learning to work with them, not against them, can lead to growth. By turning travel time into a deliberate buffer for processing difficult emotions, he transforms discomfort into creativity and clarity. This perspective offers a powerful way to handle transitions while staying open to new experiences. Read along with the original article(s) here: https://exilelifestyle.com/biological-limitations-travel-buffers/ Quotes to ponder: "I was struggling, focusing all of my energy, willpower, and mental strength so as not to falling asleep, crashing the car and killing everyone inside it." "The balance that I've found works best for me is to give myself a short period of time during which I can miss the hell out of the people and places I'm leaving and then move on." "It's amazing what being overwhelmed by even negative emotions can do for your creative drive (if used in moderation and channeled correctly)." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3991: Colin Wright reflects on the reality of biological limits, from physical exhaustion to emotional overwhelm, and how learning to work with them, not against them, can lead to growth. By turning travel time into a deliberate buffer for processing difficult emotions, he transforms discomfort into creativity and clarity. This perspective offers a powerful way to handle transitions while staying open to new experiences. Read along with the original article(s) here: https://exilelifestyle.com/biological-limitations-travel-buffers/ Quotes to ponder: "I was struggling, focusing all of my energy, willpower, and mental strength so as not to falling asleep, crashing the car and killing everyone inside it." "The balance that I've found works best for me is to give myself a short period of time during which I can miss the hell out of the people and places I'm leaving and then move on." "It's amazing what being overwhelmed by even negative emotions can do for your creative drive (if used in moderation and channeled correctly)." Learn more about your ad choices. Visit megaphone.fm/adchoices
If you're planning to rentvest, the hardest part isn't the strategy — it's choosing where to buy.You might understand how rentvesting works. You've weighed up the pros and cons. But when it comes to picking a suburb, things can quickly feel unclear.In this episode, we break down why location isn't just one part of the decision — it's the foundation of your investment. Many buyers focus on price, familiarity, or rental yield, but those factors alone don't build long-term wealth. We explain what actually drives capital growth, why cheap doesn't always mean better, and how the wrong suburb can quietly hold you back for years.You'll learn how to assess locations properly, what fundamentals to look for, and why “hotspot” advice can be risky. We also walk through key considerations like buying locally vs interstate, houses vs units, and how to balance tenant demand with long-term growth potential.If you're considering rentvesting—or you're stuck trying to choose where to buy—this episode will give you a clearer framework so you can move forward with confidence.Episode Highlights01:50 - Why Location Matters More Than You Think02:38 - Rentvesting Explained Simply05:01 - The Biggest Location Mistakes Buyers Make06:29 - Why Cheap Property Can Cost You More09:06 - Why There's No “Hotspot” Answer11:06 - What Drives Long-Term Property Growth15:54 - Tenant Demand vs Growth: Getting the Balance Right18:31 - Should You Buy Local or Interstate22:00 - How to Do Due Diligence Anywhere23:27 - Houses vs Units: What Actually Matters26:21 - The New Build Trap Explained27:17 - Timing the Market vs Choosing Location28:16 - How to Choose a Location Step by Step30:27 - Who Rentvesting Is Right For31:59 - Risks, Buffers, and Long-Term Thinking35:07 - Final Thoughts and Next StepsCourse Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It's the next best thing to having your own buyer's agent. With our expert guidance, you'll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBGIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f
FNB sê Suid-Afrika het 2026 met versigtige optimisme begin, maar globale spanning, insluitend die Midde-Oosterse konflik, beïnvloed die ekonomiese vooruitsigte. Die bank sê die herstel kan stadiger word, maar daar word nie verwag dat dit sal stop nie. Die bank sê plaaslike hervormings sal kostes in toom hou en die ekonomie behoort mettertyd te versterk. Koketso Mano sê toestande in die eiendomsmark bly toestande positief, maar globale druk kan korttermyngroei in huispryse en die vraag na verbandlenings vertraag:
David Wagner explains why the S&P 500 (SPX) continues to push toward record highs, supported by resilient domestic earnings and a strong U.S. consumer. He discusses potential near‑term pullback risks tied to input costs and A.I. spending, while emphasizing the market's long‑term growth trend. Wagner also introduces a new buffered ETF strategy designed to help investors manage volatility while staying invested at elevated market levels.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about
The Michael Yardney Podcast | Property Investment, Success & Money
Most property investors think success comes down to buying the right property at the right price. But the truth is… the real difference between successful investors and those who struggle has very little to do with the property itself. It comes down to strategy. Because the investors who build long-term wealth don't just buy property - they build a long-term property strategy which includes a financial buffer that allows them to ride out the ups and downs of the market. In other words, they buy themselves time. In this episode, Brett Warren and I explore the essential elements of successful property investing, beyond just buying the right property. We discuss the importance of strategic planning, financial buffers, and long-term thinking to ride market fluctuations and achieve wealth. Join us as we provide insights to help you make informed business and investment decisions in the face of market volatility. Takeaways Strategic planning is key to property success. Financial buffers manage market volatility. Long-term thinking aids wealth building. Property investing requires discipline. Buffers buy time during downturns. Tailored strategies outperform generic advice. Successful investors plan for uncertainty. Debt is a tool, not a liability. Flexibility supports long-term growth. Mindset differentiates top investors. Links and Resources: Answer this week's trivia question here- www.PropertyTrivia.com.au · Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. · Everyone wins a copy of a fully updated property report. Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us Brett Warren - National Director of Property at Metropole Michael Yardney – Subscribe to my Property Update newsletter here Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people. Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing. Each week we explore: • Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need. Learn more at:https://propertyupdate.com.auhttps://metropole.com.au
A screencast from Chapter 14 in CH 223 entitled “Buffers”
Send us Fan MailRandom distributions create random wealth outcomes.In this episode, Stuart and Mena introduce the concept most business owners don't have, but desperately need: a written capital allocation policy.They break down how surplus cash should be intentionally directed across six competing uses: owner wage, tax, buffers, reinvestment, external investing, and lifestyle. Because if it's not decided in advance, it gets decided emotionally.They explore structural landmines like Division 7A traps, retained earnings build-up, arbitrary distribution caps, and how tax minimisation can unintentionally block wealth creation.Then they outline a practical hierarchy: pay yourself properly first, build stability through buffers, treat reinvestment like an investment committee decision, and only then allocate capital externally or toward lifestyle upgrades.This episode is about turning business income into durable wealth, not just higher spending. If your surplus seems to disappear each year, you likely don't have a revenue problem. You have a policy problem.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps us reach more incredible listeners like you. Thank you for being a part of the journey! Click here to subscribe to our weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here. Work with Mena & Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow us: Stuart: Twitter/X and LinkedIn. Mena: LinkedInIMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.
Is Stephen Robinson about to be new manager for Aberdeen? Meanwhile, as the fall-out from Sunday's Old Firm fixture continues we ask where Celtic and Rangers are now and has the Motherwell bubble burst? With Charlotte Cohen, Stephen McGowan and Rory Loy.
In this episode, Jason breaks down a powerful concept inside the TACT Production System: using buffers in pace with the Remaining Buffer Ratio. Buffers are not contingency. They are intentional protection for specific phases of work and when used correctly, they eliminate rushing, pushing, and panic. The key is not whether you use buffers. The key is how responsibly you use them. Jason explains how the Remaining Buffer Ratio helps teams decide when to consume buffer and when to recover time another way replacing traditional CPM tools like float reports, S-curves, and earned value metrics with something practical, visual, and flow-based. What you'll learn in this episode: The difference between schedule contingency and phase buffers. What the Remaining Buffer Ratio is and how to calculate it. Why buffers must be used in pace not all at once. How this KPI replaces slippage reports and float tracking. How to make buffer usage responsible and transparent. Are you managing buffers with intention… or reacting when it's too late? If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode. And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two
In this episode, Jason clears up a major misconception: buffers are not shared float.When using the TACT Production System, buffers are intentionally built into phases to absorb risk and protect flow. They are not schedule contingency. They are not float. And they are not automatically owed to the owner under "shared float" contract language.Jason explains the difference between contract float and production buffers, why buffers belong to the contractor and trade partners, and how to ethically and transparently manage them within the framework of a project agreement. He also addresses concerns about legal language, time impact analysis, and how to have the right conversations with owners. What you'll learn in this episode: The difference between buffers, float, and contingency. Why buffers are phase-specific risk protection. How shared float clauses do not apply to buffers. The importance of transparency and good-faith communication. How to protect flow while staying ethical and contractually sound. Buffers protect production. Protect them wisely. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode. And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two
In this episode of Keep the Change, Coco Dee records with her long-time friend Kate Moloney to unpack how market hype drives FOMO and emotional decision-making, particularly for people new to investing. They respond to a viral influencer rant about Bitcoin, noting its 42% drop in six months, and use it as a case study in human behaviour, emotional attachment to assets, validation seeking, and shaming others into buying. Kate shares her approach as a systematic share trader, using coded rules, backtesting, stress testing, and clear exit strategies without attachment, and contrasts this with all-in investing that creates nervous system volatility and poor decisions. Together they emphasise capital preservation, having an exit plan, diversification (even within the same asset class), keeping a cash buffer, and running worst-case scenarios. Coco shares a real business example from opening a childcare where delays doubled the cash required, reinforcing why buffers matter and why you should never invest money you can't afford to have tied up. The episode wraps with a reminder to ignore online noise, avoid pedestal thinking, invest in line with your own risk profile, and let long-term strategy and compounding do the heavy lifting.00:00 Welcome to Keep the Change + Meet Kate Moloney"01:23 Why We're Here: Debunking Hype, FOMO & “Not Financial Advice”03:43 The Bitcoin Influencer Rant: What It Reveals About Investor Psychology05:46 Systematic Trading 101: Rules, Backtesting & Zero Emotion09:11 Capital Preservation & Drawdowns: Why Losses Hurt More Than You Think13:59 Stress-Testing Any Investment (Property, Business, Anything)17:22 Buffers & Diversification: Don't Put All Your Eggs in One Basket20:57 Get-Rich-Quick Myths vs Compound Interest (and Keeping Cash Aside)22:55 Know Yourself: Risk Profile, Nervous System & Ignoring Online Noise24:42 Lessons From Our Own Mistakes + Final Takeaways & Wrap-Up If you're after some more goodiesI have a FREE 5-Day Mindset Reset for you called Wealthy Women WinYou can also follow me on Instagram
In this episode, Jason breaks down a powerful concept inside the TACT Production System: using buffers in pace with the Remaining Buffer Ratio. Buffers are not contingency. They are intentional protection for specific phases of work and when used correctly, they eliminate rushing, pushing, and panic. The key is not whether you use buffers. The key is how responsibly you use them. Jason explains how the Remaining Buffer Ratio helps teams decide when to consume buffer and when to recover time another way replacing traditional CPM tools like float reports, S-curves, and earned value metrics with something practical, visual, and flow-based. What you'll learn in this episode: The difference between schedule contingency and phase buffers. What the Remaining Buffer Ratio is and how to calculate it. Why buffers must be used in pace not all at once. How this KPI replaces slippage reports and float tracking. How to make buffer usage responsible and transparent. Are you managing buffers with intention… or reacting when it's too late? If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode. And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two
Get your exclusive discounted offer on your NORD VPN: Click here to go to the dedicated page. There's no risk with NORD's 30-day money-back guarantee. away this summer but still want to be able to watch all your favourite shows, including televised Hull City games - then sign up to NORD VPN to ensure you can access all streaming services even when out of the UK! Sign up, stay secure and support the podcast. Hull City's promotion surge was dealt another blow on Saturday with a tame home defeat to QPR, but attention now turns to play-off rivals Derby County, who visit the MKM Stadium on Tuesday night. Ahead of a big six-pointer, Baz, Kathryn, Prutts and Burnsy discuss the fall-out from the game, and try to sprinkle some optimism amid a poor run. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Send a textChronic scarcity and instability can shape the nervous system in ways that look like anxiety, irritability, shutdown, or “burnout,” even when a person is working incredibly hard to survive. In this episode, we explore poverty, insecurity, and social exclusion as a society-shaped trauma pathway—where the threat is often not a single event, but ongoing conditions with limited control and limited recovery. Using simple polyvagal-informed language, we name common “invisible injuries” of scarcity stress, why shame so often gets layered on top, and what helps realistically—without pretending that regulation solves structural problems. We close with a short grounding practice designed to create a stabilising sense of contact, support, and one manageable next step.In this episode, you'll learnWhy poverty and social exclusion belong in trauma educationA clear nervous-system definition of scarcity stress (ongoing + low control + low recovery)Polyvagal-informed patterns: chronic mobilisation, shutdown, and cyclingCommon signs (non-diagnostic): sleep disruption, rumination, decision fatigue, shame, withdrawalWhat helps realistically: micro-stability anchors, 24-hour planning, buffers and community support, reducing shame exposureA grounding practice for stabilising under high loadGrounding practice (2–3 minutes): “3-Point Stabiliser”Find 3 points of contact (feet, back, hands)Press feet into the floor and release (twice)Phrase: “In this moment, I can take one step”Name one small next stepCheck the website for the free resources offered for both those affected by trauma and those supporting them.What's next: Migration & Displacement Trauma: Losing Home, Language, SelfSupport the show
Hollandser dan dit wordt het niet. We hebben het over de kwartaalcijfers van ABN Amro, Ahold Delhaize, Heineken én Randstad. AEX-bedrijven die het wisselend hebben gedaan.Je hoort deze aflevering over het leed dat beleggen in Randstad heet. De uitzender werd wéér afgestraft na wéér een kwartaal waarin de omzet afnam. Voor de twaalfde keer op rij (!) alweer. Vertellen we je ook over ABN Amro, dat heeft een 'rommelig kwartaal' achter de rug.Praten we je ook bij over Ahold Delhaize. Dat wordt beloond door beleggers. De vraag is waar het enthousiasme vandaan komt. Zijn het de goede resultaten of het feit dat de topman op overnamepad wil? Over topmannen gesproken. Die van Heineken zwaait af, maar doet dat niet alleen. Hij neemt duizenden collega's met zich mee. Een massaontslag als afscheid.Verder deze aflevering ook nog aandacht voor de cijfers van Mattel, Amerikaanse banencijfers én de macht van de Japanse premier op de beurshandel. Te gast: Robbert Manders BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.
Hollandser dan dit wordt het niet. We hebben het over de kwartaalcijfers van ABN Amro, Ahold Delhaize, Heineken én Randstad. AEX-bedrijven die het wisselend hebben gedaan.Je hoort deze aflevering over het leed dat beleggen in Randstad heet. De uitzender werd wéér afgestraft na wéér een kwartaal waarin de omzet afnam. Voor de twaalfde keer op rij (!) alweer. Vertellen we je ook over ABN Amro, dat heeft een 'rommelig kwartaal' achter de rug.Praten we je ook bij over Ahold Delhaize. Dat wordt beloond door beleggers. De vraag is waar het enthousiasme vandaan komt. Zijn het de goede resultaten of het feit dat de topman op overnamepad wil? Over topmannen gesproken. Die van Heineken zwaait af, maar doet dat niet alleen. Hij neemt duizenden collega's met zich mee. Een massaontslag als afscheid.Verder deze aflevering ook nog aandacht voor de cijfers van Mattel, Amerikaanse banencijfers én de macht van de Japanse premier op de beurshandel. Te gast: Robbert Manders BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.
Seasonal slowdowns can shake even the most well-run therapy practices—especially group practices navigating payroll, profit, and growth at the same time. This week, I sat down with Stef Iverson and Lucinda Bibbs, business partners and recent graduates of Money Skills for Group Practice Owners, to talk through what it really looks like to manage cash flow during a summer slump while still honoring long-term vision, wellness, and expansion.“I think it's just that the clarity and the reassurance, right? That we're on the right track...knowing the numbers has really helped us make non-emotional decisions. And just having clarity on what's actually on the paper and what are those numbers actually telling us? They're telling us a story and they're holding up a mirror and they're allowing us to make changes and pivots as we, as we need to." - Stefanie IversonStef and Lucinda came into this conversation fresh off their first slower season since implementing Profit First—and instead of panic, they brought curiosity. We talked through how their profit account temporarily buffered operating expenses, what that revealed about their numbers, and how to proactively plan for next summer so slow seasons don't feel scary or reactive.Using Financial Clarity to Stay Grounded During Seasonal Revenue DipsWhat stood out most to me was how empowering it can be to replace “scrambling” with structure. When you know your numbers and intentionally build safety into your business, you give yourself permission to rest, plan, and make thoughtful decisions—even when revenue temporarily dips.(00:03:34) Navigating Profit Slumps & Business Growth Effectively(00:07:12) Savings Buffer Analysis to Prevent Pulling from Profit(00:12:29) Consistent Owner Draws and Keeping Profit Separate(00:16:06) Preparing for Economic Uncertainty and Anticipated Slow Seasons(00:20:58) Balancing Leadership and Growth with Work, Delegation, and Passions(00:26:45) Prioritizing Your Energy and Your Relationships(00:30:54) A Successful Partnership Built on Transparency(00:34:10) Evaluating and Expanding Services Offered(00:38:18) Tree Metaphor for Growth - With a Stable Trunk, Your Branches Can ReachStability First, Then Innovation: Growing Without Undermining the FoundationWe talked through how to experiment with offering new wellness services without neglecting the “main ship” of the group practice—and how to tell the difference between an idea that needs more time versus one that isn't financially aligned right now.Key Takeaways for Therapists Navigating Slow Seasons or Growth Build buffers before you need them. Aim to have 2–3 months of operating expenses in your account so seasonal dips don't trigger panic.Let stability lead. It's okay to temporarily prioritize cash reserves over profit distributions.Test new offerings slowly. Pilot, track results, and adjust before fully committing.Protect the core practice. New ideas are exciting, but the existing business needs consistent care.Communicate clearly with partners. Transparency reduces emotional decision-making and strengthens trust.Slow seasons don't mean you're doing something wrong—they're part of running a real business. With clear numbers, intentional buffers, and honest conversations, you can build a practice that feels both secure and flexible enough to grow in the directions that matter most to you.Ready to Improve your Business Money Skills?Are you a Solo Private Practice Owner? I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I...
Saturated buffers are a growing edge-of-field conservation practice designed to improve water quality by keeping nitrates in the soil and out of nearby streams. In this Successful Farming Saturday Short, Jim Jordahl of the Iowa Agriculture Water Alliance explains how saturated buffers work, where they can be installed, and why they're an effective, low-maintenance option for reducing nitrate loss from tile-drained fields. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Is the so-called “18.6-year property crash” a hidden law of markets, or just a neat story that keeps good investors stuck on the sidelines? If you’ve been sitting on your hands because “the big crash is coming”, this episode is for you. In this solo deep-dive, Bushy pulls the 18.6-year cycle out of the internet echo chamber and puts it back where it belongs: as a lens, not a leash. Because while cycles do exist, markets don’t move like a metronome - and waiting for perfect timing has quietly cost many Australians a decade of compounding. In this episode, Bushy breaks down: Why the 18.6-year crash narrative is often clickbait - tidy, seductive, and dangerously freezing The real risk of half-right ideas: enough truth to feel safe, not enough to act safely Why “I’ll wait for the crash” usually fails - bottoms feel terrifying, credit tightens, and most people freeze Why property isn’t one market, but thousands of micro-markets moving at different speeds What cycles actually reflect (hint: credit, confidence, and liquidity - not dates on a calendar) How waiting for perfect timing can be more expensive than buying imperfectly well Why cycles should inform risk awareness, not fuel timing obsession The practical framework you’ll take away: Instead of betting your future on cycle dates, Bushy shows you how to focus on what you can actually control: Buffers and borrowing power A clear buy box Local, street-level market intelligence A long-term holding plan designed to survive uncertainty Plus, Bushy revisits the fundamentals that matter most - the 3 I’s and 3 P’s that create real growth gravity: Infrastructure, Industry diversity, Income growth Overlaid with Population, Policy, and Perception (sentiment) No crystal balls. No crash countdowns. Just calm, practical strategy.
Podcast: PrOTect It All (LS 27 · TOP 10% what is this?)Episode: Cybersecurity Success in 2026: Why Planning Early and Investing in People WinsPub date: 2026-01-05Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarization Great cybersecurity programs aren't built in a panic - they're built through early planning, trusted relationships, and consistent execution. In this kickoff episode for 2026 of Protect It All, host Aaron Crow shares practical, real-world guidance on how cybersecurity leaders can avoid last-minute scrambles and instead build momentum that lasts all year. Drawing from years of experience across IT and OT environments, Aaron explains why people, trust, and planning matter more than any single tool or technology. This episode dives into how successful teams think ahead, budgeting wisely, engaging stakeholders early, and creating space for learning, networking, and collaboration beyond spreadsheets and ROI metrics. You'll learn: Why starting early is the most underrated cybersecurity advantage How trust and relationships accelerate security programs Why investing in people over tools delivers better outcomes How to avoid procrastination and year-end panic The role of networking, conferences, and peer learning in long-term success How diversity, challenge, and momentum strengthen security teams What leaders should prioritize to make 2026 a year of progress - not firefighting Whether you're planning budgets, building teams, or refining IT/OT security strategy, this episode delivers actionable guidance to help you move from intention to execution. Tune in and learn how to build a cybersecurity program that works all year long - only on Protect It All. Key Moments: 03:51 "Planning for Unforeseen Challenges" 09:02 "AI Automation: Challenges and Expectations" 10:21 "Budgeting: The Importance of Buffers" 16:16 "Diversity in Problem-Solving Approaches" 17:53 "Understanding Perspectives and Future Goals" Connect With Aaron Crow: Website: www.corvosec.com LinkedIn: https://www.linkedin.com/in/aaronccrow Learn more about PrOTect IT All: Email: info@protectitall.co Website: https://protectitall.co/ X: https://twitter.com/protectitall YouTube: https://www.youtube.com/@PrOTectITAll FaceBook: https://facebook.com/protectitallpodcast To be a guest or suggest a guest/episode, please email us at info@protectitall.co Please leave us a review on Apple/Spotify Podcasts: Apple - https://podcasts.apple.com/us/podcast/protect-it-all/id1727211124 Spotify - https://open.spotify.com/show/1Vvi0euj3rE8xObK0yvYi4The podcast and artwork embedded on this page are from Aaron Crow, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.
The Michael Yardney Podcast | Property Investment, Success & Money
Most property investors dream of financial freedom… but how do you actually live off your portfolio when the time comes? In today's show, Brett Warren, national Director of Property at Metropole and I reveal the 'end game' of property investment – the steps to turn bricks and mortar into a lifestyle, how to transition from growth to cash flow, and why living off equity could be the smartest strategy of all. Our conversation highlights that property investment is not just about acquiring properties but creating a portfolio that provides financial freedom and choices in retirement. Takeaways · Property investment requires a clear end game. · The strategy for property investment changes over time. · Education is a continuous journey in property investment. · Quality properties are more important than quantity. · Transitioning to cash flow requires careful planning. · Living off equity is challenging but possible with the right strategy. · Diversification is key to a resilient portfolio. · Protect your income-earning capacity with insurance. · Planning for the future starts today. Chapters 01:13 – Why You Need to Plan Your Property End Game 03:33 – The Four Stages of a Property Investor's Journey 06:17 – Transitioning from Growth to Cash Flow 09:10 – Living Off Equity and the Role of Diversification 13:21 – Protecting Yourself, Buffers, and Asset Structures 16:44 – Building Wealth That Gives You Choices Links and Resources: Answer this week's trivia question here - http://www.propertytrivia.com.au/ · Win a hard copy of Michael Yardney's Guide to Investing Successfully · Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond. Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au https://propertyupdate.com.au/podcast-bonus/ Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here. Brett Warren - National Director of Property at Metropole Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/
12 Game-Changing Time Management Principles for Doctors Time is the ONE resource you can't make more of—so let's make sure you're spending it on what actually matters!
Ever wonder how a legal buffer can shave nearly a minute off a 40K time trial? We sit down with freshly minted PhD Eli Shannon to unpack the science and the tactics behind sodium bicarbonate, from the lab to the start line. Eli explains why an hour-long ride is anything but steady state and how surges, climbs, and late-race kicks amplify the value of buffering hydrogen ions when it matters most.We dig into the numbers: an average 1.4% improvement for trained male cyclists, translating to about 54 seconds saved. Eli breaks down practical dosing that busy athletes can use—why 0.3 g/kg remains the benchmark, when 0.2 g/kg might suffice, and how to convert that to simple grams for a 70 kg rider. Delivery is everything, so we drill into hydrogel systems designed to reduce GI distress, and we set a clear timing window of 90–120 minutes before the gun. You'll hear how blood bicarbonate rises, dips early with fast pacing, then stays elevated enough to support decisive efforts in the final kilometers.Race-day logistics matter. We walk through smart top-up strategies between heats or double events without overdoing sodium. We talk heat, hydration, and why you should practice your plan before it counts. And we set the record straight on “lactic acid,” highlighting how lactate is fuel while hydrogen ions drive acidosis. We also touch on beta-alanine's intracellular buffering and how it pairs with bicarbonate in sports defined by repeated 30–240-second surges.BIO: Eli Shannon recently successfully defended his PhD at his viva voce in Exercise Physiology, Metabolism and Nutrition at Edge Hill University, Ormskirk, UK. Eli's research focused on the effects of sodium bicarbonate ingestion on prolonged high-intensity exercise performance and metabolism in both normoxia and acute normobaric hypoxia. Prior to this, Eli completed his bachelor's degree (BSc, Hons) in Sport and Exercise Science and master's degree (MSc) in Exercise Physiology at York St. John University, York, UK. During his time in York, Eli also spent four years playing full-time soccer against professional academies at the i2i International Soccer Academy. Eli's research interests primarily focus on enhancing exercise performance through nutritional and physiological interventions.
The Michael Yardney Podcast | Property Investment, Success & Money
Have you ever looked at a successful property investor and thought – they just got lucky? They bought at the right time, in the right suburb, and everything seemed to go their way. But here's the truth: most successful investors don't wait for luck – they create it. In today's show, I'm joined by Brett Warren, national Director of Property at Metropole and together we're going to pull back the curtain on what really drives success in property. You'll discover why some investors always seem to be in the right place at the right time, while others miss out again and again. We'll share the habits, strategies, and mindset shifts that can help you manufacture your own luck – and set yourself up to take advantage of opportunities that others never see. So, whether you're just starting out or looking to take your portfolio to the next level, stick around – because this episode could change the way you think about property investing forever. Takeaways · Successful investors don't rely solely on luck; they create their own opportunities. · Preparation and having a clear strategy are crucial for success in property investment. · Surrounding yourself with a knowledgeable team can alleviate stress and enhance decision-making. · Mindset is a significant differentiator between successful and average investors. · Investors should focus on long-term goals rather than short-term gains. · Capital growth is more important than cash flow for long-term wealth. · Successful investors continuously learn and adapt to market changes. · Delaying gratification is essential for building wealth over time. · Investing through multiple market cycles helps build resilience and expertise. · Real-life examples show that informed decisions lead to significant equity growth. Chapters 01:36 - Are Successful Investors Just Lucky? 05:27 - The Myth of Perfect Timing in Property 09:08 - Building Luck with Teams, Buffers and Strategy 13:06 - Mindset, Long-Term Goals and Delayed Gratification 17:16 - Real Client Stories That Prove Preparation Beats Luck Links and Resources: Answer this week's trivia question here- www.PropertyTrivia.com.au · Win a hard copy of Michael Yardney's Guide to Investing · Everyone wins a copy of a fully updated property report Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here Brett Warren - National Director of Property at Metropole Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Nik and Michael discuss the various changes to EXPLAIN that arrived in Postgres 18. Here are some links to things they mentioned: EXPLAIN (official docs) https://www.postgresql.org/docs/current/sql-explain.htmlUsing EXPLAIN (official docs) https://www.postgresql.org/docs/current/using-explain.html EXPLAIN glossary (pgMustard site) https://www.pgmustard.com/docs/explainPostgres 18 release notes https://www.postgresql.org/docs/release/18.0/Enable BUFFERS with EXPLAIN ANALYZE by default (commit) https://git.postgresql.org/gitweb/?p=postgresql.git;a=commit;h=c2a4078ebOur (first) BUFFERS by default episode https://postgres.fm/episodes/buffers-by-default Show index search count in EXPLAIN ANALYZE (commit) https://git.postgresql.org/gitweb/?p=postgresql.git;a=commitdiff;h=0fbceae841cb5a31b13d3f284ac8fdd19822ecebOur episode on Skip scan with Peter Geoghegan https://postgres.fm/episodes/skip-scanWhat do the new Index Searches lines in EXPLAIN mean? https://www.pgmustard.com/blog/what-do-index-searches-in-explain-meanpg_stat_plans presentation by Lukas Fittl https://www.youtube.com/watch?v=26coQV3f-wkImprove EXPLAIN's display of window functions (commit) https://git.postgresql.org/gitweb/?p=postgresql.git;a=commit;h=8b1b34254Show Parallel Bitmap Heap Scan worker stats in EXPLAIN ANALYZE (commit) https://git.postgresql.org/gitweb/?p=postgresql.git;a=commit;h=5a1e6df3bAdd information about WAL buffers being full (commit) https://git.postgresql.org/gitweb/?p=postgresql.git;a=commit;h=320545bfc ~~~What did you like or not like? What should we discuss next time? Let us know via a YouTube comment, on social media, or by commenting on our Google doc!~~~Postgres FM is produced by:Michael Christofides, founder of pgMustardNikolay Samokhvalov, founder of Postgres.aiWith credit to:Jessie Draws for the elephant artwork
Most misses in sales are baked into the plan before the year even starts.In this episode, Toni talks with Scott Domareck, a four-time VP of Sales who's been through every phase of growth, exit, and burnout imaginable. Together, they break down the hidden mistakes that ruin annual planning long before execution begins.From massaged Excel spreadsheets to unrealistic ramp times and compounding assumptions that look great to investors but kill execution, they get real about what actually happens inside revenue planning season, and how to build a plan you can actually hit.This episode is brought to you by Evergrowth — Their Agentic GTM Workspace enables revenue teams to collaborate and win with AI-powered teammates, breaking down silos and helping B2B teams grow smarter with fewer resources. Want to work with us? Learn more: revformula.io(00:00) - Introduction (04:16) - The Reality of Planning Season (07:22) - Transparency and Context in Planning (13:12) - Compounding Effects in Sales Planning (18:14) - Involvement of Go-to-Market Leadership (25:29) - Trust and Executive Leadership (28:43) - Top Mistakes in Hiring (30:49) - Staggering for Supply and Demand (34:02) - Challenges in Scaling and Execution (41:04) - The Reality of Adding New Elements to the Plan (43:34) - Risk Management and Buffers (46:31) - Planning for Attrition and Unexpected Events (49:13) - Final Thoughts and Future Discussions
New proposal: go vet check for using %q with integer typesBlog: I'm Independently Verifying Go's Reproducible Builds by Andrew AyerJetBrains' language promise indexReddit: Why I built a ~39M op/s, zero-allocation ring buffer for file watchingBlog: A modern approach to preventing CSRF in Go ★ Support this podcast on Patreon ★
Thanks for joining me in Session 315 of The Behavioral Observations Podcast. In this episode, I spoke with Drs. Gabi Morgan and David Adams to dive deep into trauma-informed behavior analysis. Gabi brings her 30-year journey in the field—from undergrad roots to professorship at Bay Path University—while David shares his evolution from child and family therapy to clinical psychology, with a heavy focus on foster and adoptive parenting. Both guests are passionate about closing the divide between trauma therapy and behavioral strategies, and they credit mentors like Dr. Jeannie Golden for lighting the way. We kick things off by unpacking what trauma really means. In doing so, as a content warning, please be aware that we do make general references to a variety of traumatic and adverse experiences. Having said that, David walks us through SAMHSA's three-part definition: the event, the experience, and the effects. It's not the event itself that defines trauma—it's the individual's response. He introduces "adverse conditioning experiences" as a behavior-analytic twist on adverse childhood experiences (ACEs), spotlighting how negative associations get wired in through conditioning. From there, we contrast PTSD and complex PTSD. Same core symptoms (intrusive thoughts, avoidance, etc.), but complex PTSD adds prolonged exposure and three extra layers: impaired self-worth, rocky relationships, and emotional dysregulation. Gabi drives home a critical point: folks with developmental disabilities are at higher risk for trauma but often fly under the diagnostic radar. We need to get better at spotting trauma-related behaviors in this population. Screening, Brain Science, and Practical Strategies Screening is a big theme. We all agree behavior analysts aren't formally trained in assessment, but we have to be aware of how this is done. Gabi loves the Child Health and Development Institute's Child Trauma Screen (CTS), and the Massachusetts Child and Adolescent Needs and Strengths (Mass CANS) tool. David then nerds out on the neurobiology: trauma affects the amygdala (hypervigilance), hippocampus (memory glitches), hypothalamus (stress gone haywire), and frontal lobe (decision-making on the fritz). Enter the "amygdala hijack"—when fear short-circuits rational thought. Bottom line? Kids in fight-or-flight aren't in a teachable moment. Safety and calm have to come first. We close the show with actionable takeaways: risk-benefit analyses for every intervention (especially with histories of food neglect), "kind extinction" (empathy + withholding reinforcers), and the six pillars of trauma-informed care (safety, trustworthiness, peer support, collaboration, empowerment, cultural competence). TIC isn't a "hyphenated" ABA—it's the whole framework. Advice for new BCBAs? Seek trauma training, question "business as usual," and be the stable adult in a kid's chaotic world. Empathy, creativity, and reducing fear are your superpowers. Additional Resources Toward Trauma-Informed Applications of Behavior Analysis (Rajaraman, et al., 2021) Inside JABA 10 with Drs. Jenn Austin and Adithyan Rajaraman Dr. Camille Kolu's BOP episode on Buffers (a must listen!) 4th Annual Bay Path University Trauma-Informed Practice and ABA Conference David's book: Trauma-Informed Foster and Adoptive Parenting SAFE-T Assessment Training from Cusp Emergence University Sponsor Shoutouts! Frontera. Consider taking a demo of Frontera's Assessment Builder and see how the ethical application of AI technologies can help you serve clients and save you time! Your first assessment report is free. And if you use code BOP25 you'll get an additional five assessments for just $100. So head to fronterahealth.com to check it out! CEUs from Behavioral Observations. Learn from your favorite podcast guests while you're commuting, walking the dog, or whatever else you do while listening to podcasts. New events are being added all the time, so check them out here. The inaugural ABA CON CEU cruise, which launches on Royal Caribbean's Wonder of the Seas from February 16–20, 2026. Learn more about this cruise here. The 2026 Stone Soup Conference! This is one of the best values in the online conference space. I'm actually going to be one of the speakers at this year's event, along with a great cast of other characters you're probably familiar with. Save on your registration by using promo code PODCAST26! MindBodyBehavior's Certified Health Coach Program. If you're a BCBA looking to use your ABA skills to help people live healthier lifestyles, learn how to do it the right way, with expert instruction, mentoring, and guidance from Sarah Burby. Better still, podcast listeners can save $$$ by using the code BOP10 at check out. Click here to learn more! The 2026 Verbal Behavior Conference! Taking place March 26–27, 2026, in Austin, Texas, or livestream and on-demand on BehaviorLive. Presenters will include Drs. Mark Sundberg, Patrick McGreevy, Caio Miguel, Alice Shillingsburg, Sarah Frampton, Andresa De Souza, and Danielle LaFrance will share how Skinner's analysis of verbal behavior can guide the assessment and treatment of generative learning challenges in children with autism and other developmental disabilities. And don't miss the special pre-conference workshop on Wednesday, March 25. The discounted early-bird registration price is only available for a limited time, so get your ticket right away!
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode of the Real Estate Pros podcast, host Erika speaks with Joe Hammel, an investor and realtor from Michigan. Joe shares his journey into real estate, the challenges he faced during his first year, and the strategies he employs to identify profitable investment opportunities. He discusses the importance of networking, learning from mistakes, and maintaining a resilient mindset in the competitive real estate market. Joe also highlights the unique approach of his team at Fire Realty and their commitment to educating clients and fostering long-term relationships. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Nik and Michael discuss the newly released Postgres 18 — the bigger things it includes, some of their personal highlights, and some thoughts towards the future. Here are some links to things they mentioned:Postgres 18 announcement https://www.postgresql.org/about/news/postgresql-18-released-3142Postgres 18 release notes https://www.postgresql.org/docs/18/release-18.htmlSkip scan episode with Peter Geoghegan https://postgres.fm/episodes/skip-scanEasier Postgres fine-tuning with online_advisor https://neon.com/blog/easier-postgres-fine-tuning-with-online_advisorpganalyze Index Advisor https://pganalyze.com/index-advisorBUFFERS by default https://postgres.fm/episodes/buffers-by-defaultBuffers II (the sequel) https://postgres.fm/episodes/buffers-ii-the-sequelReturn of the BUFFERS https://postgres.fm/episodes/return-of-the-buffersUUID https://postgres.fm/episodes/uuidPartitioning by ULID https://postgres.fm/episodes/partitioning-by-uliduuidv7 and uuid_extract_timestamp functions https://www.postgresql.org/docs/current/functions-uuid.htmlAdd --no-policies option to pg_dump, pg_dumpall, and pg_restore https://git.postgresql.org/gitweb/?p=postgresql.git;a=commitdiff;h=cd3c45125Add ONLY support for VACUUM and ANALYZE https://git.postgresql.org/gitweb/?p=postgresql.git;a=commitdiff;h=62ddf7ee9Make "vacuumdb --analyze-only" process partitioned tables (committed recently for Postgres 19) https://commitfest.postgresql.org/patch/5871/NOT VALID constraints https://postgres.fm/episodes/not-valid-constraintsThe year of the Lock Manager's Revenge (post by Jeremy Schneider) https://ardentperf.com/2024/03/03/postgres-indexes-partitioning-and-lwlocklockmanager-scalabilityIncrease the number of fast-path lock slots https://git.postgresql.org/gitweb/?p=postgresql.git;a=commitdiff;h=c4d5cb71d"enable" parameters will work differently in Postgres 18 https://www.pgmustard.com/blog/enable-parameters-work-differently-in-postgres-18logerrors https://github.com/munakoiso/logerrors~~~What did you like or not like? What should we discuss next time? Let us know via a YouTube comment, on social media, or by commenting on our Google doc!~~~Postgres FM is produced by:Michael Christofides, founder of pgMustardNikolay Samokhvalov, founder of Postgres.aiWith credit to:Jessie Draws for the elephant artwork
In this episode, Jason shares a real-world story from the road to the Super PM Bootcamp in Dallas and the powerful lesson it revealed: being prepared creates freedom. By handling the small details in advance, you clear space for innovation, calm, and focus. Instead of fighting fires, you get to lead. Key Takeaways: Preparation eliminates chaos and stress. Buffers protect you from last-minute crises. Clean, organized systems multiply performance. Taking care of details frees you to innovate and improve. If you want projects and life to flow smoother, start by getting the details right. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode. And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two
Today on group chat, we have Lindsey Hein and Peter Bromka. Episode Rundown:Erika Kemp in Tokyo — Lindsey and Peter hyping up Erika's marathon and her confidence, calling her a “crusher” and “pleasant surprise” on the show.Brooks' identity shift — the back-and-forth about Brooks trying to go from “run happy” to “we're serious now,” with the high school movie training montage analogy.Emily Infeld kick talk — Lindsey saying “she's gonna outkick you” and Peter joking about Beatrice Chebet not letting her hang around.'90s 10K nostalgia — Peter's rant about missing the days when athletes would “crash out from 3K out” and his VHS/YouTube Haile Gebrselassie & Paul Tergat clip reference.Parenting + 5K race story — Lindsey's kids racing each other, her tough-love cheerleading (“I don't have water, keep going!”), and Glenn's mind games between brothers.
We're not here to tell you how to live your life. If you want to post every comic page as soon as you're done with it, that's valid. But! A buffer of comic pages can help keep your comic on a steady release schedule, set healthy reader expectations, and prevent burnout or stress during the times when you can't be at your drawing desk as often. So let's talk about buffers!SCREEN TONES IS NOW ON PATREONhttps://www.patreon.com/screentonescastCheck out https://www.screentonescast.com for webcomic episodes, blog posts and more!Support us on Ko-Fi: https://ko-fi.com/screentonescast----Episode Credits:Ally Rom Colthoff (Varethane) - she/they, https://chirault.sevensmith.net https://wychwoodcomic.com Kristen Lee (Krispy) - she/they, https://ghostjunksickness.com https://www.lunarblight.com Christina Major (Delphina) - she/her, https://sombulus.com ----The Intro "DO IT (feat. Shia LaBeouf)", and the Outro "It's Good To See You Again!!", both by Adrianwave, have been used and modified in good faith under the Creative Commons Attribution-Share Alike 3.0 Licensed. Edits include: Fade IN/OUT, and a repeat added to the beginning of "It's Good To See You Again!!". For more information on this creative commons use, please reference https://creativecommons.org/licenses/by-sa/3
Is Ukraine on a fast track to peace—or about to hit the buffers? Washington says “no US boots on the ground” (for now), while Gaza still starves under bombardment and a media blackout. On The Mother of All Talk Shows, George Galloway cuts through the spin with two heavyweight guests.
This episode was recorded at the 2025 Florida Ruminant Nutrition Symposium. Dr. Bach gives an overview of his presentation, highlighting that buffers make the rumen resistant to a decrease in pH while alkalizers immediately increase rumen pH. He prefers magnesium oxide, an alkalizer, over sodium bicarbonate, a buffer. Both are effective, but sodium bicarbonate requires a larger amount, thus taking up more room in the diet. The magnesium oxide must be of high quality and soluble in the rumen. (3:40)Dr. Richards asks if we should use magnesium oxide more as a first line of defense against acidosis. Dr. Bach notes that the very best strategy is to avoid using either additive by making a proper ration balanced in terms of amount and rate of degradation of starch. But there are many constraints in the field, so he recommends using magnesium oxide before sodium bicarbonate. For the magnesium oxide to be effective, it must be solubilized in the rumen to magnesium hydroxide, and solubility can be tested in a variety of ways to determine quality. (7:35)The panel discusses the impact of magnesium oxide in place of sodium bicarbonate on DCAD and which DCAD equation(s) should be used for calculations. Dr. Bach recommends removing sodium bicarbonate from rations containing less than 1% of the ingredient. It will have little effect on the rumen, but make room in the ration. The panel explores how this can impact farm-level economics. (12:39)Dr. Bach also mentions probiotics and their impact on rumen function. In vitro studies have shown a wide variety of modes of action and positive results. Extrapolating in vitro doses to the cow often results in unsustainable amounts of the additive needing to be fed. Applied studies at the cow level have yielded inconsistent results. (23:29)Scott asks how long Dr. Bach has been making the case for pulling sodium bicarbonate out and putting magnesium oxide in, and what kind of pushback he has received. Dr. Bach gives some of the reasons farmers have given for not wanting to make this management change. He also notes that farmers who do make the switch do not tend to go back to sodium bicarbonate. (25:18)Dr. Bach and Maimie discuss grass silage diets and grazing diets with high amounts of moisture and how best to combat acidosis symptoms with those. In diets like this, where you're not trying to make room for energy, sodium bicarbonate can be a good choice. Dr. Richards chimes in with questions about the ratio of the two ingredients; Dr. Bach indicates the ratio doesn't mean much to him. (26:16)Panelists share their take-home thoughts. (33:27)Please subscribe and share with your industry friends to invite more people to join us at the Real Science Exchange virtual pub table. If you want one of our Real Science Exchange t-shirts, screenshot your rating, review, or subscription, and email a picture to anh.marketing@balchem.com. Include your size and mailing address, and we'll mail you a shirt.
The King is bidding the "fondest of farewells" to the nine-carriage royal train said to be Queen Elizabeth II's favourite form of transport. The announcement comes as part of the latest financial statement from Buckingham Palace which reveals the annual sovereign grant, which supports the duties of the Royal Family and is funded by the taxpayer, remained at £86.3m. In today's Sky News Daily, Gareth Barlow is joined by our royal correspondent Rhiannon Mills to dig into the figures. Plus, Gareth speaks to former Lib Dem MP and author of And What Do You Do? What The Royal Family Don't Want You To Know, Norman Baker, about why he believes the Royal Family offer a bad deal for Britain. Producer: Natalie Ktena Editors: Rosie Gillott and Philly Beaumont
What happens when curiosity leads you toward a big change – but your bank account doesn't agree? In this solo episode, I share a personal story from the early days of starting my own business, and how a surprisingly unglamorous Plan B gave me the freedom to explore a new direction. You'll hear why having a buffer matters, how to calculate your minimum viable income, and why your Plan B doesn't have to be perfect – just practical.Whether you're shifting careers, launching something new, or simply testing the waters of change, this episode will help you think through the financial side of creativity and courage.
You can memorize every formula in the Kaplan book and STILL miss those sneaky MCAT acid–base questions. Let's fix that. In this episode of the Jack Westin MCAT Podcast, Mike & Molly walk you from first-semester chem definitions all the way to high-yield clinical tie-ins—so you understand (not just memorize) acids and bases.
The Ultimate Retirement Budgeting Formula Revealed: Secure Your Financial FutureHow much you need to retire quiz: https://adamdolson.com/retire-quiz/In this video, discover a transformative retirement budgeting formula that goes beyond traditional advice. Learn how to categorize your expenses into essential, discretionary, and one-time costs to eliminate financial stress and boost your retirement satisfaction. Get practical tips on estimating expenses, managing taxes, and monitoring your budget to maintain financial security and enjoy your golden years. .00:00 Introduction to Retirement Budgeting00:40 Breaking Down Essential Expenses01:32 Understanding Discretionary Expenses01:59 Planning for One-Time Expenses02:39 Calculating and Adjusting Your Budget04:23 Managing Taxes in Retirement05:06 Monitoring and Adjusting Your Budget06:18 Implementing Your Retirement Spending Plan09:16 Conclusion and Next Steps8043718.1
The Michael Yardney Podcast | Property Investment, Success & Money
Imagine this… You've got a strong property portfolio, you're working hard, and the market is looking good. Then – boom – life throws you a curveball. Maybe it's a job loss, a health issue, or a tenant stops paying rent for months. What now? Most investors panic. But the savvy ones? They just lean on their financial buffer – a quiet little fund sitting in the background that buys them something more valuable than money: time. In this podcast episode of the Michael Yardney Podcast, Brett Warren and I discuss the critical importance for property investors of having a financial buffer. We explore how a financial buffer can provide peace of mind, protect against unexpected expenses, and allow investors to navigate financial challenges without panic. Through real-life examples and case studies, we illustrate the benefits of maintaining a buffer and offer strategies for building one effectively. Takeaways · A financial buffer is essential for property investors. · Buffers provide peace of mind during financial uncertainty. · Unexpected expenses can arise, making a buffer crucial. · Building a buffer gradually is a smart strategy. · Financial planning helps identify the right buffer amount. · Real-life examples show the effectiveness of buffers. · Buffers can prevent the need to sell assets in tough times. · Investors should prioritize creating a buffer before market shocks. · Having a buffer allows for better decision-making during crises. · It's important to reassess and rebuild buffers regularly. Chapters 00:00 The Importance of a Financial Buffer 04:08 Examples of Financial Buffer Importance 10:32 Practical Strategies for Building a Buffer 18:11 Real-Life Examples of Buffers in Action Links and Resources: Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here Brett Warren - National Director of Property at Metropole Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
In this thought-provoking conversation, Helen Toner, Director of Strategy at the Center for Security and Emerging Technology (CSET), discusses her perspectives on AI development, regulation, and international competition. Toner shares insights from her time on OpenAI's board, clarifying that reports about a "Q*" breakthrough influencing the board's decision were "totally false." She introduces her concept of "adaptation buffers"—critical windows of time between when AI capabilities are first demonstrated and when they become widely accessible—arguing that society needs this time to build resilience against potential misuse. Toner also explores the challenges of implementing effective AI governance, military applications of AI decision support systems, and the complex dynamics of US-China relations in the emerging AI landscape. Helen Toner's appearance on the TED AI show: https://www.ted.com/talks/the_ted_ai_show_what_really_went_down_at_openai_and_the_future_of_regulation_w_helen_toner Helen Toner's substack : https://helentoner.substack.com/ Additional recommended reads: https://helentoner.substack.com/p/nonproliferation-is-the-wrong-approach https://cset.georgetown.edu/publication/ai-for-military-decision-making/ https://www.lawfaremedia.org/article/ai-regulation-s-champions-can-seize-common-ground-or-be-swept-aside https://www.economist.com/by-invitation/2024/05/26/ai-firms-mustnt-govern-themselves-say-ex-members-of-openais-board SPONSORS: Oracle Cloud Infrastructure (OCI): Oracle Cloud Infrastructure offers next-generation cloud solutions that cut costs and boost performance. With OCI, you can run AI projects and applications faster and more securely for less. New U.S. customers can save 50% on compute, 70% on storage, and 80% on networking by switching to OCI before May 31, 2024. See if you qualify at https://oracle.com/cognitive Shopify: Shopify powers millions of businesses worldwide, handling 10% of U.S. e-commerce. With hundreds of templates, AI tools for product descriptions, and seamless marketing campaign creation, it's like having a design studio and marketing team in one. Start your $1/month trial today at https://shopify.com/cognitive NetSuite: Over 41,000 businesses trust NetSuite by Oracle, the #1 cloud ERP, to future-proof their operations. With a unified platform for accounting, financial management, inventory, and HR, NetSuite provides real-time insights and forecasting to help you make quick, informed decisions. Whether you're earning millions or hundreds of millions, NetSuite empowers you to tackle challenges and seize opportunities. Download the free CFO's guide to AI and machine learning at https://netsuite.com/cognitive PRODUCED BY: https://aipodcast.ing CHAPTERS: (00:00) Teaser (06:04) Introduction and Background (09:32) AI Timeline Perspectives (12:26) OpenAI Board Experience (17:04) OpenAI Culture Discussion (Part 1) (19:20) Sponsors: Oracle Cloud Infrastructure (OCI) | Shopify (20:33) Sponsors: Oracle Cloud Infrastructure (OCI) | Shopify (22:30) OpenAI Culture Discussion (Part 2) (24:03) OpenAI's Contradictory Messaging (26:15) Whistleblowing in AI (31:30) AI Transparency Requirements (Part 1) (36:30) Sponsors: NetSuite (37:58) AI Transparency Requirements (Part 2) (38:38) Adaptation Buffers Concept (44:06) Technical vs. Societal Solutions (52:13) AI Regulation Approaches (57:20) Iterative Deployment Challenges (01:05:50) US-China AI Competition (01:14:54) Military Decision Support Systems (01:20:57) Future AI Military Equilibrium (01:27:39) Outro
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