Podcasts about Calendar

Chaos to Consistency 90-minute Reset: https://www.simplyconvivial.com/reset ⬅️ Feeling overwhelmed, chaotic, and constantly behind — no matter how hard you're working? Working harder isn't the answer. What you actually need is to stop and make a few simple, intentional decisions — and this video walks you through exactly which ones.Forget the massive decluttering session or the perfect Pinterest system. The real reset is "thought work" — pre-made decisions in four key areas that clear the obstacles to a steady, peaceful rhythm at home.In this episode, I cover the 4 foundational systems every home needs:

This might just be the best-paid "hardest job" in America: the U.S. Senate. Equipped with a six-figure salary, a free staff of dozens, and an office of marble and mahogany, senators enjoy a schedule that includes 129 days of non-legislative time off in 2026...

The boys rip through the latest race results and start lists. Then move on to the topic of the week, the IRONMAN for series. What races would we add, take away, bring back, or move around. We also play around with some scoring and calculating of how to make up the series if we were in charge! Then onto the hot takes where we had a lot submitted this week to get through.

In 2026, we're slowing down to soak in the story that invites us to believe. The Gospel of John doesn't just tell us what Jesus did—it reveals who He is. Through signs and stories, questions and conversations, light and life, John calls us again and again to “come and see.” Over the next year, we'll walk with Jesus from the opening words—“In the beginning”—to the empty tomb, discovering how encountering Christ shapes our faith, our hope, and our everyday lives. This is more than a study; it's an invitation to deeper belief and fuller life. Learn more with Pastor Jared. Also, we highly encourage you to download the Church Center App if you want more information about the church. The app will be able to guide you toward our Calendar of Events, ways to Give, and fill out a Connect Card. 

Daily Dad Jokes (01 Aug 2026) The official Daily Dad Jokes Podcast electronic button now available on Amazon. The perfect gift for dad! Click here here to view! Shower Thoughts Podcast: We have another podcast called Daily Shower Thoughts, showcasing random, amusing and mind bending epiphanies. Search "Daily Shower Thoughts" in your podcast player or click here Email Newsletter: Looking for more dad joke humor to share? Then subscribe to our new weekly email newsletter. It's our weekly round-up of the best dad jokes, memes, and humor for you to enjoy. Spread the laughs, and groans, and sign up today! Click here to subscribe! Listen to the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ or search "Daily Dad Jokes" in your podcast app. Jokes sourced and curated from reddit.com/r/dadjokes. Joke credits: iDragon_76, Majorpain2006, jaldhar, Breakwaterbot, lifekillable, Upvoter_NeverDie, ilikesidehugs, whaddayagondo, MissParfuem, SpareWildd, Masselein, Rockhardsimian, , Classic-Camp7513, wjreeds, MiximumDennis, Masselein, Zyrem_the_Eccentric Subscribe to this podcast via: iHeartMedia Spotify iTunes Google Podcasts YouTube Channel Social media: Instagram Facebook Twitter TikTok Discord Interested in advertising or sponsoring our show? Contact us at mediasales@klassicstudios.com Produced by Klassic Studios using AutoGen Podcast technology (http://klassicstudios.com/autogen-podcasts/) Learn more about your ad choices. Visit megaphone.fm/adchoices

Daily Dad Jokes (01 Aug 2026) The official Daily Dad Jokes Podcast electronic button now available on Amazon. The perfect gift for dad! Click here here to view! Shower Thoughts Podcast: We have another podcast called Daily Shower Thoughts, showcasing random, amusing and mind bending epiphanies. Search "Daily Shower Thoughts" in your podcast player or click here Email Newsletter: Looking for more dad joke humor to share? Then subscribe to our new weekly email newsletter. It's our weekly round-up of the best dad jokes, memes, and humor for you to enjoy. Spread the laughs, and groans, and sign up today! Click here to subscribe! Listen to the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ or search "Daily Dad Jokes" in your podcast app. Jokes sourced and curated from reddit.com/r/dadjokes. Joke credits: iDragon_76, Majorpain2006, jaldhar, Breakwaterbot, lifekillable, Upvoter_NeverDie, ilikesidehugs, whaddayagondo, MissParfuem, SpareWildd, Masselein, Rockhardsimian, , Classic-Camp7513, wjreeds, MiximumDennis, Masselein, Zyrem_the_Eccentric Subscribe to this podcast via: iHeartMedia Spotify iTunes Google Podcasts YouTube Channel Social media: Instagram Facebook Twitter TikTok Discord Interested in advertising or sponsoring our show? Contact us at mediasales@klassicstudios.com Produced by Klassic Studios using AutoGen Podcast technology (http://klassicstudios.com/autogen-podcasts/) Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode, we welcome Ravi Prasad, Co-Founder of Almora Botanica — a luxury, natural and sustainable skincare brand bringing together Ayurvedic wisdom, Himalayan botanicals, adaptogens, green chemistry and modern science. After decades working in Ayurvedic medicine and wellness, including leading Himalaya Wellness Company, Ravi saw a major gap in skincare: too many products treat symptoms, not the root cause. In this episode, Ravi shares why he made the shift from Ayurvedic medicine and supplements into skincare, and how Almora Botanica is taking a “pharma to farm” approach rooted in the Himalayas. He breaks down the idea of researched Ayurveda, why Indian beauty is finally gaining momentum in the luxury market, and how the brand's Sapta Complex is challenging the perception that Ayurvedic oils have to feel heavy or greasy. We also talk about COSMOS NATURAL certification, green chemistry, the “If you won't eat it, don't wear it” philosophy, and why today's consumers are looking more closely at what they put on their skin. A must-listen for founders, operators, and anyone interested in the future of beauty, skincare, wellness, sustainability and how ancient traditions are being validated by modern science.   Are you interested in sponsoring and advertising on The Kara Goldin Show, which is now in the Top 1% of Entrepreneur podcasts in the world? Let me know by contacting me at karagoldin@gmail.com. You can also find me @‌KaraGoldin on all networks.   To learn more about Ravi Prasad and Almora Botanica:https://www.almorabotanica.comhttps://www.instagram.com/almorabotanica/https://www.linkedin.com/in/ravi-prasad/   Sponsored By: Pebl - Manage your global workforce in one place. Go to Hipebl.ai for a limited-time offer. Skylight - Go to myskylight.com/KARAGOLDIN for $30 off your 15 inch Calendar. LinkedIn Jobs - Head to LinkedIn.com/KaraGoldin to post your job for free.   Check out our website to view this episode's show notes: https://karagoldin.com/podcast/872

After over a month of testing iOS 27, on this week's episode of The MacRumors Show, we circle back to the beta and talk through our experiences with Siri AI, Liquid Glass refinements, and more.‌iOS 27‌ is expected to launch this fall, bringing sweeping performance work across the system. Apple has cited more than 80 speed and efficiency improvements, with app launches up to 30 percent faster and AirDrop transfers up to 80 percent faster than on iOS 26. Animations, keyboard responsiveness, Home Screen page swapping, and App Library loading have all been sped up, and Apple says the improvements extend even to older iPhones like the iPhone 11.The centerpiece of ‌iOS 27‌ is Siri AI, a substantially overhauled version of the assistant positioned as a rival to chatbots like Claude and ChatGPT. ‌Siri‌ AI can hold back-and-forth conversations, draw on personal context from Mail, Messages, Photos, and Files, and see what's on screen to answer follow-up questions. A new standalone Siri app houses ongoing conversations, while a "Search or Ask" interface, accessed via the Dynamic Island, has effectively replaced Spotlight as the default way to search the device and launch apps.Liquid Glass, the translucent design language introduced in ‌iOS 26‌, has also been reworked. ‌iOS 27‌ adds a system-wide transparency slider in place of the binary "Clear" and "Tinted" toggle from iOS 26.1, letting users dial the effect anywhere between fully opaque and completely clear. Apple also improved how the material diffuses busy content behind it, addressing readability complaints that dogged the original rollout, and refreshed first-party app icons with additional Liquid Glass layering.Elsewhere, Apple has leaned into contextual, on-device intelligence. For example, Call Context, a new Phone app feature, automatically surfaces relevant information, such as a flight confirmation number or order code pulled from Mail, when a user calls a business they've recently corresponded with. Apple says the feature works entirely on-device and looks only at who is being called, not at call audio, and it also appears on the Apple Watch during a call. Calendar and Reminders now support natural language entry, letting users type something like "meeting at 2pm with Eric on July 14" and have the app suggest the date, time, and attendees automatically. Apple says ‌Siri‌ can handle more complex natural-language scheduling requests directly, including edits to recurring events.The ‌Photos‌ app gains three generative editing tools grouped under an Apple Intelligence Tools section: an upgraded Clean Up, a new Extend tool, and Spatial Reframing. Clean Up now offers Fast, High Quality, and Auto modes for object removal and can reconstruct more complex backgrounds than before. Extend uses generative AI to fill in new content when a photo's borders are expanded, and is capped at a maximum of 25% per side. Spatial Reframing, which draws on the same spatial data used for Portrait mode, lets users shift a photo's apparent camera angle after it was taken.The Shortcuts app has been rebuilt around a "Describe a Shortcut" interface, where ‌Apple Intelligence‌ assembles an entire automation from a plain-language description rather than requiring users to build workflows action by action manually. Safari picks up a similar natural-language approach with a new Create an Extension option for building custom browser extensions on the fly, automatic AI-driven tab organization by topic, and a "Notify Me" tool that monitors a webpage and alerts users when it changes, which is useful, Apple says, for tracking ticket sales or restocked products. Image Playground has also been overhauled for ‌iOS 27‌, adding support for photorealistic image generation, edits to existing images via text descriptions, and additional aspect ratio options for wallpapers and Contact Posters.‌iOS 27‌ is available now to developers and public beta testers, and Apple plans to release the software officially in September. The MacRumors Show has its own YouTube channel, so make sure you're subscribed to keep up with new episodes and clips.

In this episode of The Ross Simmonds Show, Ross joins Nick in The Nick Standlea Show to break down how search is changing as Google AI Overviews, ChatGPT, Gemini, Perplexity, and other LLMs reshape how people discover brands. They unpack what marketers, creators, and business owners need to do now to improve AI visibility, build authority across platforms like YouTube and Reddit, and create content that gets found, cited, and trusted. Key Takeaways and Insights: 1. How LLMs actually build answers - Ross explains “query fan-out,” where AI tools rephrase a user's prompt into many variations and scan multiple sources at once. - Platforms like Reddit, YouTube, Quora, Yelp, and Google results all help shape the final response. - The brands mentioned most often—and with the strongest supporting signals—are more likely to appear in AI-generated answers. 2. The coffee shop framework for local AI visibility - Local businesses should align site pages and language with the exact questions customers ask. - Review signals from Yelp, TripAdvisor, and other directories strengthen trust and authority. - Encouraging real customer conversations on Reddit and other platforms can influence how AI tools perceive your brand. 3. Why YouTube is a major AI search advantage - Google has a built-in incentive to surface YouTube content because it owns the platform and monetizes attention there. - YouTube remains one of the most powerful search engines in the world and a rich source of human-led content. - Video stands out in an AI-heavy world because it delivers a stronger sense of trust, personality, and connection. 4. Gemini, personalization, and the future of search - Google may have a long-term advantage because Gemini can connect with products like Gmail, Calendar, Chrome, and more. - Search experiences are becoming more personalized, which makes traditional ranking analysis harder. - Marketers need to prepare for a world where different users may get very different answers to the same prompt. 5. How nonprofits and mission-driven brands should adapt - Start by mapping website content to the real questions your audience asks before they know your brand exists. - Build long-form, useful resources that directly address audience pain points and decision-making moments. - Combine LLM optimization with human-centered storytelling to connect both logically and emotionally. 6. The four E's of content that builds trust - Ross highlights four content goals: educational, engaging, entertaining, and empowering. - Strong brands don't just publish information—they create content people want to remember and share. - Human connection still matters, especially when AI-generated content is becoming more common. 7. Old-school customer research is the new edge The deepest marketing insights still come from direct conversations with real customers. Interview transcripts, sentiment analysis, and qualitative feedback can be turned into sharper messaging with AI. The brands that win will combine human insight with AI execution, not replace one with the other. Resources & Tools:

Sprague is done trying to maintain the family calendar...can someone besides the Dodgers please get Skubal...an odd way of team bonding for the Ducks in the offensive huddle.

Welcome to The Georgia Politics Podcast! The Democratic National Committee has adopted a new presidential nominating calendar, reshaping the road to the White House and reigniting debate over which states should have the biggest voice in choosing a nominee. In this episode of The Georgia Politics Podcast, Wendy Davis joins the show to explain why Democrats made the change, how the new calendar came together, and what it means for battleground states like Georgia. We discuss the party's goals, the political calculations behind the new order, and whether the changes will strengthen the nomination process or create new challenges ahead of the 2028 presidential race. From the growing influence of Georgia in national politics to the future of the Democratic coalition, this conversation offers an inside look at one of the most significant structural changes to presidential politics in years. Connect with The Georgia Politics Podcast, HERE. Hans Appen on Twitter @hansappen Craig Kidd on Twitter @CraigKidd1 Lyndsey Coates on Instagram @list_with_lyndsey Proud member of the Appen Podcast Network. #gapol

Mortgage rates are on the move after 3 Federal Reserve officials voted to hike rates this week, the largest dissent within the Fed since 1970. If you're a homebuyer, homeowner, or realtor trying to figure out where mortgage rates are headed next, this is the update you need to watch.In this episode, I break down exactly why mortgage rates jumped to 6.77% today, why the Federal Reserve is split on hiking rates even as inflation cools, and why oil prices tied to the Iranian conflict are quietly driving Treasury yields and mortgage rates higher. I also walk through this week's economic data, next week's calendar, and what I'm personally advising my clients to do right now if they're under contract or thinking about locking in a rate.Here's what I cover:

In this episode, Chris, Luke and Dave talk about the Star Wars related events for the calendar date of July 30th. The post Star Wars in Calendar – July 30th first appeared on NEOZAZ.

In this episode, Chris, Luke and Dave talk about the Star Wars related events for the calendar date of July 30th.

I use a lot of tools in running my business. Perhaps the most important one is my calendar!  How can you use your calendar to make your dreams REAL this year?Your portfolio career is YOURS to design. If you are seeking inspiration, grab the first chapter of my book for FREE at the link below! You are allowed to thrive, and your artistry MATTERS.https://jennetingle.kit.com/c6e4009529Make sure you SUBSCRIBE to Crushing Classical, and maybe even leave a nice review! Thanks for joining me on Crushing Classical! Theme music by DreamVance.I help people to lean into their creative careers and start or grow their income streams. You can read more or hop onto a discovery call from my website.  https://jennetingle.com/work-with-meI'm your host, Jennet Ingle. I love you all. Stay safe out there! 

You already know your enrollment is down. You already know payroll is eating you alive. You already know two of your best teachers just gave notice. But have you actually looked at your calendar?In this episode, I'm walking you through something I say to our clients until I'm blue in the face: every single problem you're dealing with in your center right now, profit, staff retention, parent retention, enrollment, traces back to your calendar. Not your marketing. Not your staff. Your calendar.This isn't a time management pep talk. This is the actual mechanism behind why some centers grow steadily while others stay stuck putting out the same fires month after month. I walk you through how I run calendar audits with our clients (including multi-site operators running 5, 10, 15+ locations), what the School Leader Scorecard is, and why I said no to a well paid, exciting opportunity that came my way this year, even though it hurt in the moment.If you've ever told yourself "I just don't have time" or blamed a missed goal on a call-out or a licensing visit, this episode is going to challenge that story. Grab a notebook. You're going to want to write some of this down.What You'll Learn:Why your calendar and your bank account are the two most honest indicators of what you actually valueThe difference between working in your business and working on your business, and why both need dedicated timeHow to identify the $10 an hour tasks that are quietly draining your profitWhat the School Leader Scorecard is and how it categorizes your time from $10 an hour to $10,000 an hourWhy "someone called out" is not the real reason you missed your goalsHow to run a calendar audit that actually holds you accountable to your prioritiesWhy saying no to a profitable opportunity was the right call for my business this seasonConnect With Us:Let's Chat on Instagram: https://www.instagram.com/chaniewilschanski/Join us on Substack: https://chaniewilschanski.substack.com/

Virgil and Mark run down the offerings hitting the screen and making the scene at The Mahoning Drive-In Theater in Lehighton Pennsylvania for the month of August of 2026.Recorded 7/22/26For additional information and tickets:https://events.ticketleap.com/events/mahoningdriveinFor exclusive additional podcasts, videos, sneak peeks, and on-site discounts, visit the Mahoning Drive-In Patreon page at:⁠⁠⁠⁠⁠https://www.patreon.com/mahoningdrivein⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mahoningdit.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mahoningdriveintheater⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mahoningdriveintheater⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/mahoningdit⁠⁠⁠⁠⁠For Mahoning Drive-In merch online:⁠⁠⁠⁠⁠https://merchbin.net/collections/mahoning-drive-in-theater⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.crackerjackposters.com/s/shop⁠⁠

Summer camp was epic, but let me tell you, the lead up, the planning, the work on the front side, it did something tragic to our social media. Let me show you what I'm implementing to ensure this doesn't happen again! Hybrid Hero Members Get all of this for just $4/month https://www.patreon.com/hybridministry SHOW NOTES Shownotes & Transcripts https://www.hybridministry.xyz/212 [FREE] HYBRID STRATEGY GUIDE https://www.patreon.com/posts/complete-guide-142500019?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Hybrid Hero Members Get all of this for just $4/month https://www.patreon.com/hybridministry Summer Social Media Year 2 https://www.patreon.com/collection/1470781?view=expanded Carousel Engine https://www.patreon.com/hybridministry/posts/carousel-engine-155124829?collection=2099839 Best Sermon Clip Generator https://www.patreon.com/hybridministry/posts/best-sermon-clip-156670711?collection=2013798

Want the deep-dive calendar episode Rach talks about in this episode? -> https://podcasts.apple.com/us/podcast/the-rachel-hollis-podcast/id1245763628?i=1000681408469 Upgrade to the Ad Free Premium Podcast Experience - https://rachelhollis.supercast.com Get your copy of Rachel's Book Here: Audible, Amazon, Barnes & Noble, Books-A-Millon, Bookshop.org, or wherever books are sold! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices In this episode of The Rachel Hollis Podcast, Rachel shares practical strategies for using your calendar as a tool to create a more intentional and productive life. She argues that your calendar reveals your true priorities—not just your stated goals—and encourages listeners to schedule their most important personal commitments first, batch similar tasks together, color-code appointments to reflect key priorities, regularly review their schedule, and learn to say no to obligations that don't align with their goals. Rach emphasizes that even small changes to how you manage your time can lead to greater focus, balance, and progress toward the life you actually want to build. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We're over halfway through the year, which means I'm having two feelings at once: "how did we get here already?!?!" and "okay, let's actually get moving on the goals I set back in January." If you're feeling that same tug of war, this episode is for you. I'm setting aside the usual format this week...no interview, no list of tactics, no client wins. Just five questions I need you to actually sit with, notebook in hand if you've got one nearby. Because here's the thing about being a founder, whatever you founded (a business, a farm, a nonprofit, a family): nobody sends you a calendar invite to check in with yourself. So we skip it, quarter after quarter, until it's suddenly the end of July and we haven't stopped to ask if any of this is still working. What You'll Hear Why "stop, start, continue" might be the most useful three words in your midyear toolkit The difference between tracking your time and tracking your energy and why one of those metrics lies to you How to figure out if your definition of "good work" is even yours Why founders are notoriously bad at celebrating their own wins (and how to fix that) The one-degree-off-course story that will change how you think about small drifts in your business Listen and Subscribe Spotify Apple Podcasts Share This Episode If this episode gave you even one minute of honest reflection, send it to a fellow founder who needs the same permission slip. And come back next week for more of The Found Podcast.  

What your calendar is secretly telling you goes far beyond when your next meeting begins. Your calendar is often a reflection of your priorities, leadership style, and the habits that shape your workday.  Let's explore how a quick look at your schedule can reveal whether you're making time for strategic thinking, employee development, and meaningful [...] The post What Your Calendar Is Secretly Telling You appeared first on Ken Okel.

Divorce asks women to make some of the most important decisions of their lives while experiencing some of the strongest emotions they have ever felt. You may be trying to make choices about your children, home, finances and future while also grieving, feeling betrayed or dealing with an ex who is financially controlling, creating legal conflict or seemingly moving happily on with someone new. Of course your emotions are heightened. In this episode, Elisabeth explores how to honour everything you are feeling while creating enough space to access the clarity and wisdom that are still inside you. Emotional regulation isn't about calming down, becoming less emotional or quietly accepting unacceptable behaviour. It's about becoming steady enough to choose your response instead of allowing fear, anger or urgency to choose it for you. In this episode: Why heightened emotions during divorce are completely understandable What happens when your nervous system interprets uncertainty as danger How to avoid making permanent decisions from the first wave of emotion Why emotional regulation does not mean passivity How to separate the facts from the frightening story your mind is creating Why his happiness, new relationship or apparent lack of remorse should not become the measure of your healing Practical ways to find clarity when you have been triggered How to make decisions your future self will thank you for You don't need to eliminate your emotions before you can trust yourself. Your emotions and your wisdom can exist together. The practice is learning how to honour both while making choices that protect the life you are building. LINKS MENTIONED AND MORE Gain the support and healing you are longing for and join the Rising Sisterhood membership today and never feel like you're doing this alone again. http://www.theseparationclub.com/membership The brand new healing app is LIVE - download the Rising Sisterhood app today and take some positive steps for your healing starting now: https://www.theseparationclub.com/risingsisterhoodapp Join our growing and healing circle of Rising Moon Sisters at one of our transformational retreats. We are waiting for you. Learn more: https://theseparationclub.com/retreats Kickstart your healing with the brand new JOY JOURNAL: https://www.theseparationclub.com/the-joy-journal I would love to work with you towards your healing, self-discovery and in creating your new life. Working with a coach is a great way to discover your purpose, your path forward while gaining clarity on your beliefs and core values. I have openings in my calendar for some new clients. https://www.theseparationclub.com/workwithme You can also set up a discovery call with me. It's free and an opportunity for us to get to know each other. Here is a link to my Calendar so you can book something that is convenient for you: https://calendly.com/elisabethparsons/discovery-call Also make sure to download the Free Separation Checklist: https://theseparationclub.com/separation-checklist Join the private and free Facebook Group: https://www.facebook.com/groups/theseparationclub/ You can also find me on Instagram @elisabethjoy444 where I share daily inspirations and tips as you navigate your divorce. And the brand new Instagram account for The Joy Journal: @thejoyjournal444

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You've heard the dreaded B word. Budget. Maybe you've never found one that actually sticks or maybe you're the opposite, and you feel pretty on top of your money already. Either way, this episode is going to shift how you see it.I first found Mike Michalowicz back in 2019 when I read Profit First, and it completely changed how I manage the finances here at The Pink Bee. So when his newest book, The Money Habit, came out, I devoured it. This one applies those same principles to home finances, which means you'll love it even if you're not an entrepreneur. One of my favorite parts of this conversation is when Mike and I realized his money system works exactly like the way our community already plans their time. Turns out the thing that finally makes your money make sense is treating your bank account like your calendar.In This Episode, I'll Cover:Why traditional budgets set you up to fail before you even start, and what Mike says to build instead.The number of hours a day the average person spends worrying about money, backed by a 2025 study that genuinely stopped me in my tracks.The system Mike uses to take money out of one confusing pile and give it the same at-a-glance clarity your calendar has.The one word swap that changes whether you stay buried in debt or actually dig your way out.Where to start if the whole thing feels like too much, because you do not have to do it all at once.Connect With Mike Michalowicz:www.mikemotorbike.comwww.facebook.com/MikeMichalowiczFanPage www.instagram.com/mikemichalowicz www.linkedin.com/in/mikemichalowicz ________________________________

Choosing a Trustee: Why Naming Your Kid May Be a Mistake — Marguerite Lorenz Short answer: Naming your child as trustee, executor, or agent under your power of attorney is the default choice for most American families — and it is frequently the wrong one. In this episode of Wealth Actually, host Frazer Rice talks with California Licensed Professional Fiduciary and Master Certified Independent Trustee Marguerite Lorenz about why roughly two-thirds of American adults still have no estate plan, why the job of a trustee is far more intimate and technical than families expect, and how to decide between a family trustee, a bank or trust company, and an independent professional trustee. https://youtu.be/56bzuORe8YI Episode Overview: Who Will Actually Run Your Plan? Most estate planning conversations stop at the documents. Marguerite Lorenz argues the documents are the easy part. The hard part is staffing — deciding who steps in when you can no longer make new decisions, and whether that person can absorb the technical, financial, and emotional weight of the job. Lorenz has served as trustee, executor, agent under power of attorney for finance, and agent for health care for hundreds of families since 2003. She is the author of three books — Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and the newly updated Ethics for Trustees 2.0 — and she is Vice-Chair of the Independent Trustee Alliance. Her framing line, and the one that should stick with every listener: “If you don’t get your estate plan done, you’re suing your family. You’re making them go to court. And who would want to make anyone else go to court?”— Marguerite Lorenz This is the second time Marguerite has joined the show. Her first appearance covered the mechanics of individual trusteeship: EP.75 — Individual Trusteeship with Marguerite Lorenz. Key Takeaways •Only about a third of American adults have any written estate plan — and Lorenz argues half of those plans would not actually function when needed. •Professionals are barely better than the public. When Lorenz polls rooms of attorneys, CPAs, and financial advisors, roughly one-third raise their hands for a complete, up-to-date, ready-to-go plan. •The trustee role is intimate, not administrative. A trustee sees your paperwork, your bills, your medications, and your bedroom. “Who is going to be the first person in your bedroom when you are no longer able to make new decisions?” •Incapacity, not death, is the long tail. Many people live for five or six years unable to make new decisions. The trustee’s job often runs during your lifetime, not just after it. •A professional trustee can be temporary. Lorenz recounts stepping in for a client during cancer treatment, providing a full accounting, and stepping back down when he recovered — then serving again after his death. Would your child step back down? •Estate planning is about preferences, not predictions. “Our power in estate planning is not prediction, it’s setting our preferences” — and preferences can only be set while you are competent. •Quality of life belongs in the plan. Not just tax, legal, and financial terms — but how you want to live, where you want to live, and what small things matter (for Lorenz, an international selection of dark chocolate). •Digital assets are now a core trustee problem. Phones, social accounts, and daily transactions all require someone with access and authority. •A will does nothing while you are alive. “The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone.” •Cost is usually overestimated. Both an estate plan and an independent professional trustee typically cost far less than probate court. •Revisit every five years. Calendar a five-year check-in with your attorney to review law changes, marriages, divorces, births, and deaths. Chapters and Timestamps •[00:00] Cold open: “If you don’t get your estate plan done, you’re suing your family.” •[00:32] Welcome back — introducing Marguerite Lorenz, California trustee and author •[01:14] Luck or Control? — why fear keeps families from finishing an estate plan •[02:22] What a full-time trustee actually sees: trustee, executor, agent for finance, agent for health care •[03:49] Why families default to naming a child — and where that breaks down •[05:00] The skill set nobody screens for: negotiation, calm, empathy, and grief •[05:40] Case study: serving as temporary trustee through a client’s cancer treatment — and stepping back down •[07:51] Why even attorneys need their own attorney: nobody is objective about their own circumstances •[09:09] The five-year estate plan check-in as a life milestone •[09:39] How to Be a Successful 90-Year-Old — living well to the very end •[10:20] The “black box” problem: privacy, dignity, and care in your own home •[11:54] Preferences over predictions — planning for your future vulnerable self •[13:40] Rewriting an advance health care directive after hundreds of hospital bedsides •[16:13] The statistics: only a third of adults — and only a third of professionals — are actually ready •[17:47] Frazer’s challenge to advisors: you can’t advise well if you aren’t practicing what you preach •[18:22] The first question in Luck or Control?: “Hey professional, do you have your estate plan done?” •[19:21] Ethics for Trustees 2.0 — what’s new in the updated audio and PDF edition •[20:27] Family trustee vs. bank trustee vs. independent professional trustee •[21:52] The looming crisis: the great wealth transfer, incapacity, and digital assets •[24:54] Documenting the “why” behind hard trustee decisions •[25:23] Probate courts overrun, bioethics committees, and next-of-kin defaults •[26:54] Where to find the books, the podcast, and the Independent Trustee Alliance directory About the Guest: Marguerite Lorenz, MCIT, CLPF Marguerite Lorenz is a California Licensed Professional Fiduciary (CLPF #319) and a Master Certified Independent Trustee (MCIT). She has served as Trustee, Executor, Agent for Finance, and Agent for Health Care for more than 200 families since 2003 as managing partner of Lorenz Private Trustees. Marguerite is Vice-Chair of the Board of the Independent Trustee Alliance, past Chair of the California Professional Fiduciaries Bureau Advisory Committee, and host of the Plan For This podcast. She is the author of Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and Ethics for Trustees 2.0. About the Host: Frazer Rice Frazer Rice is the author of Wealth, Actually: Intelligent Decision-Making for the 1% and host of the Wealth Actually podcast, where he interviews experts, entrepreneurs, and commentators on preserving assets and enjoying wealth. Resources and Links Mentioned •PlanForThis.com — Marguerite’s books, the Plan For This podcast, and a free First Steps toolkit. Ethics for Trustees 2.0 is now exclusive to this site (audio + PDF bundled with purchase). •TrusteeAlliance.com — the Independent Trustee Alliance directory for locating certified independent trustees by state. •Marguerite Lorenz on LinkedIn •California Professional Fiduciaries Bureau — state licensing for professional fiduciaries •Related episode: EP.75 — Individual Trusteeship with Marguerite Lorenz •Related episode: What If You Are Named in a Will or Trust? Frequently Asked Questions Should I name my child as trustee? Not automatically. A child understands the family but may lack the technical skill to handle tax, legal, financial, and medical decisions — and may be grieving or in conflict with siblings at the exact moment judgment is required. Marguerite Lorenz notes that a trustee must be a good negotiator, stay calm under pressure, set aside personal feelings, and enforce rules the grantor set. She also raises a test most families never consider: if you recover, would your child voluntarily step back down and hand you a full accounting? What is the difference between a family trustee, a corporate trustee, and an independent trustee? A family trustee is a relative or friend serving in a personal capacity, usually unpaid and untrained. A corporate trustee is a bank or trust company with institutional infrastructure, minimum account sizes, and staff turnover. An independent professional trustee is a licensed or certified individual — like a California Licensed Professional Fiduciary — who serves full-time, carries a succession plan, and can often be engaged at a lower cost than families expect. The Independent Trustee Alliance maintains a national directory of independent trustees. What does a trustee actually do while I am still alive? A trustee acting during incapacity manages assets, accounts for every dollar, handles taxation, pays bills, coordinates care, and increasingly manages digital assets such as phone-based transactions and social media accounts. Lorenz emphasizes that many people live for five or six years unable to make new decisions, so the trustee’s lifetime role is often longer and more demanding than the post-death administration. How often should I update my estate plan? Roughly every five years, or sooner after a major life event such as marriage, divorce, birth, death, a liquidity event, or a change in tax law. Lorenz recommends putting a five-year reminder in your phone to call your attorney and ask what has changed in the law and in your life. What happens if I go to the hospital without an estate plan? The hospital and its bioethics committee will do the best they can and will look for next of kin to make decisions for you — potentially people with whom you have never discussed your personal wishes. A will does not help here, because a will only operates after death. Financial and health care powers of attorney are what grant someone authority while you are alive. Is an estate plan expensive? Usually less than people assume, and materially less than probate court. Lorenz makes the same point about professional trustees: “Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about.” Do financial professionals have their own estate plans? Often not. When Lorenz polls audiences of attorneys, CPAs, and financial advisors, only about a third report having a complete, up-to-date, ready-to-go plan — barely better than the general public. Her challenge to the profession is that clients will increasingly ask advisors directly: “Do you have your estate plan completed?” Pull Quotes “Our power in estate planning is not prediction, it’s really about setting our preferences.” “Who’s going to be the first person in your bedroom when you are no longer able to make new decisions?” “I’m not in charge. I’m a servant-manager.” “Once I get my estate plan done and updated, I don’t think about it anymore. My head space is so clear because everything I was worried about has been thought about, considered, allowed, and put down in writing.” Full Transcript Transcript lightly edited for clarity. Timestamps are approximate. [00:00] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. You’re making them go to court, right? And who would want to make anyone else go to court? [00:08] Announcer: Welcome back to the Wealth Actually podcast, the show that features experts, entrepreneurs, and commentators that will give you the right knowledge, planning, and guidance so you can preserve your assets and enjoy your wealth. Learn more and subscribe today at wealthactually.com. This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinion of the employers of the host or guests. [00:32] Frazer Rice: Welcome back. Friend of the podcast Marguerite Lorenz is on the podcast this week. She’s a California trustee and has a new book called Luck or Control? out. We’re going to talk a little bit about fiduciary matters and what it takes to have good staffing within your estate plan. Welcome back, Marguerite. [00:54] Marguerite Lorenz: Thank you, Frazer. [00:55] Frazer Rice: Since the last time you were on, you have a couple of books out and we’ve gotten to see each other a couple of times with the Independent Trustee Alliance. Let’s talk a little bit about the new book that you just published and what you’re trying to do with it. [01:14] Marguerite Lorenz: So that book is Luck or Control? The Life-Improving Power of Estate Planning. And I wrote it because I’ve seen hundreds and hundreds of families really struggle with how this is going to get done, and many people don’t get their estate plan done at all because they’re so afraid. They don’t know what to expect, they don’t want to talk about their mortality, they don’t want to have serious conversations with their loved ones. And if we don’t have those conversations, we really lose all control when we need it the most — when that medical crisis happens or when life changes in a big way. [01:52] Frazer Rice: No question about it. And I went through the book and it’s an important read, because for those people who really have to get their affairs in order and feel stuck for some reason, I think you do a good job of laying out why you need to get unstuck and then how to take a couple of steps to initiate those conversations and get the important things down so that you can then have the deeper conversations that help out later on as you’re structuring things. What part of your experience being a full-time trustee helped to inform all of this? [02:22] Marguerite Lorenz: Well, as a trustee professionally, I’ve met with lots of different families in lots of different circumstances. And for many of them they’ve named me, and so I’m serving in that role. It’s not just trustee; it’s trustee, executor, agent on the power of attorney for finance, and even as agent for health care. And so that’s a very intimate job. It’s a job where you end up seeing someone’s entire life, or as much as you can of another person — their paperwork, how they do things, how they pay their bills, how they live, what medications they take. It’s really very intimate. And I think a lot of us assume that our children know us and they’ll do what we want them to do. But the thing is that it’s very likely you haven’t lived with your children in the same household for decades. And now you’re asking them to come back, drop their life, and come in and be that person for you. Be the person who’s going to protect your privacy, be that person who’s going to protect the way you want to live. And they may disagree with the way you want to live. They may actually have issues with some of the choices that you’ve made or how you’ve proceeded. So now, in addition to having a medical challenge where you’re not able to make new decisions — maybe temporarily, maybe permanently — now you have someone who wants to run the show or actually be in charge. In my job as a professional trustee, I’m not in charge. I’m a servant-manager. I’m really taking the trustor’s wishes and how they’ve structured things and really looking at that to be sure that I can continue it as best I can with all the changes that have occurred. [03:49] Frazer Rice: One of the things we were talking about before we got on board, and something we’ve discussed generally through the Independent Trustee Alliance, is that people who are asked to serve in those roles usually are family members. And for people who are uninitiated in the field, that seems like an obvious choice, because they’re really trying to put somebody in there who understands the family. But as you and I know, they may not be necessarily qualified to deal with the technicalities of the different roles that we just discussed. But also, the idea of taking on the emotional toll of these new conditions can be something different and unapproachable for many people. [04:30] Marguerite Lorenz: Well, I think it helps to kind of look at some of those issues. So you might have more than one child. Even if you have an only child, these issues apply. And now you’ve been in the hospital and you’re expecting this person to deal with your tax, legal, financial, and medical decisions. This person has to be a good negotiator. This person has to be calm when there’s issues that arise, and they may have feelings — they may be grieving that things have changed for themselves and in their relationship with you. So I think to be really empathetic and to be really kind and compassionate, we have to get our own stuff in order so that we can really have a good experience for our last days. And again, some of these roles that I’ve served in have been temporary. Let me give you an example. I worked with a gentleman whose wife had passed away because of cancer. She had been gone about two years and he himself was diagnosed with cancer. So he already knew what that might be like, right? She had already had chemotherapy; he was right there with her through all of that experience. Well, now faced with it himself, he said, “In order for me to do this, I don’t have a partner. I need somebody who’s going to deal with the business of my life so that I can focus on my health.” He named me as his trustee. I became active. I reported to him because he was still able to receive those reports. He was certainly mentally able, but physically it was really hard. He was exhausted most of the time. And he was going to grief support for the loss of his wife and going to chemotherapy treatments. So you can imagine just how full his day was. So we’re into this two years. He met a woman at grief support. He was feeling better because the treatment worked, and he decided he wanted to travel the world before he died. And he married this woman, and they were very happy together. And he asked if he could be trustee again. So — I’m a professional trustee. It’s part of my duty to step back and step down when the trustor who wants to be trustee again wants that job back. So I gave him a full report, he had an accounting, he knew exactly what had happened during my term. He went on with his life, and then he passed away and I became trustee again. So I just wanted people to know that it could be temporary. It’s not necessarily a permanent job. Would your child step back down? [07:14] Frazer Rice: No question. Once in the role, sometimes it’s difficult to get out of it. But you did the right thing in terms of getting an accounting, making sure that your duties stopped when you were told to get off, and then when you were ready to come back on, that those sightlines are very clear. And that’s what comes with talking to a professional like you. You understand those parts so that you’re not having things bleed from one role into another and having liability issues or misunderstandings with the next generation. [07:51] Marguerite Lorenz: Right. And let’s talk about working with professionals from the beginning. We don’t know what we don’t know. And even attorneys need to go to an attorney to get their estate plan done. There may be attorneys who disagree with that, but none of us can be truly objective about our own circumstance. And we need someone who’s going to ask us some tough questions and really help us figure out: what is our intention? How do we feel about this? What’s important to us? So, getting my own estate plan done — I was a single mom in a new profession. I had just become a fiduciary and I had just learned about estate planning. I was learning so much at that time and realized, every time I drive on the freeway, I’m risking my children’s future. I’m their only parent. What can I do about that? So estate planning isn’t just about money, and it isn’t just about death. It’s also about taking an inventory. What do I have? What have I accomplished? Who do I love? What do I really care about? And once we get to have those kinds of conversations, our whole perspective on life improves. And I’ve used my own estate plan, every time I’ve gone to update it, as sort of a milestone check — where am I now? [09:09] Frazer Rice: Maybe the standard procedure is every five years to check in and make sure that life has not advanced as far as divorce, deaths, new kids, marriages, things like that, to make sure that the plan is in place. And it’s a great milestone to reflect on things. And then, as we move up the ladder wealth-wise, if there are changes in tax laws and things like that, it’s important to make sure that the plan understands that change and is able to accommodate what’s going on on that front. Let’s take that as a segue. You have another book that you came out with, How to Be a 90-Year-Old — or a well-functioning 90-year-old. [09:36] Marguerite Lorenz: How to Be a Successful 90-Year-Old. [09:39] Frazer Rice: More than well-functioning — actually successful. How to Be a Successful 90-Year-Old. I have not read that yet, so tell us a little bit about what’s going on there. [09:47] Marguerite Lorenz: Well, I want everyone to have that blue ribbon feeling at the end of their lives. And I picked 90 because I have had clients that have reached a grand old age of over 100. My last client passed at 105. So it is possible to live well until the very end. And I’ve been working with people for over 20 years that are much older than me, who have lots of wisdom and experience to share. Their stories are important. So for people that are serving as trustee — whether you’re a family member trustee or you’re a professional — this book might be helpful, because I actually talk about the relationships with those clients. And I also talk about some things we could do now so that life is simpler, better, and more comfortable when we might need some help. And that’s another barrier that a lot of us have. We have this barrier to having someone come into our home and help us. Our home is our sanctuary, it’s our private space. But I want everyone who’s listening right now to just think about it: who’s going to be the first person in your bedroom when you are no longer able to make new decisions? And do you want that person to see everything that might be in your bedroom? Many, many adults have what I call a black box. We have something that’s private that really, really we keep to ourselves. But everything gets exposed once you are not able to care for yourself. So then what? Well, many people want to stay in their home no matter what, as long as possible. So imagine, if you will — some of my clients have lived in the same home for 30, 40, 50 years. And now they have to get care. Can we arrange to have that care in their home? So this exploration is really about living well to the very end. There are some really great tips, things I’ve learned from my 90-plus-year-old clients that I’ve employed and deployed for myself. [11:23] Frazer Rice: Just as an example there — I’m a ripe old age of 53 shortly. The idea of getting things in place while you’re at the peak of your powers, and you don’t have the difficult decision of having the car keys taken from you, or being in a home that isn’t appropriate for you anymore, meaning you don’t have the necessary safeguards for showers and stairs and things like that. Do you get into that, as far as trying to look five years ahead to make sure that the things that you can do now in a more comfortable environment take place before maybe the emergency happens and then all of a sudden we say, “Oh my gosh, we’ve got to do a complete overhaul here”? [11:54] Marguerite Lorenz: Well, as you know, Frazer, our power in estate planning is not prediction, it’s really about setting our preferences. And if we don’t do that while we feel good, while we’re competent, while we’re thinking clearly, we don’t get a chance to express that or do that once we’ve lost our competence. So this is really important — that I’m thinking about my future vulnerable self. I’ll give you a small example for me personally: dark chocolate is part of my life. I like having an international selection of dark chocolate and I don’t want the same kind every day. I feel the nuances and the taste and the flavors; it’s important to me. For some people that might be wine, for other people it might be fine literature. It really depends on what you’re into. Well, our estate plan can be just about tax, legal, and financial stuff, but it really should be more. It should be about our quality of life. And that’s really what I’m instructing and what I’m talking about in a very warm, personal way in How to Be a Successful 90-Year-Old. And even in Luck or Control?, I want people to understand the function of the documents. So we talk about the documents and what they’re supposed to do to assist your person. But you have to have a person. And you might choose to have a trust company or a bank serve as your trustee, you might have a family member, you might have an individual like me — an independent trustee. You can find more independent trustees at the Independent Trustee Alliance. But the point is: how do I want to live? Who do I want to have help me? What does that help look like? Well, you might not know all the answers right now, but if you begin now, your eyes open to different possibilities. I’ll give you an example: I have visited lots of hospitals. I’ve been to people’s bedsides many, many times. I’ve learned that there are certain procedures I’m just not willing to go through. So in my mind I had to update my advance health care directive to basically say: this shell that I’m in, the case I walk around in, the machine that I live in, needs to be kept alive long enough so that my boys can say goodbye. And that’s not for me, that’s for them. But I don’t want it to go on interminably. [15:00] Marguerite Lorenz: So I’m pretty specific in my documents about what I want. So I’m hoping to help people have a little perspective — use that energy you have, use the power that you have right now to make decisions for yourself, and allow yourself the opportunity to update your estate planning documents from time to time, so that what you learn goes into your documents, and what you decide and what your intention is, is clear. [15:23] Frazer Rice: One of those points that you bring up that I think is important is that you can be a really good user of professional services with some forethought. To muse a little bit about what the end of life looks like is somewhat an unpleasant thought, if you feel like you’ve got less than your full faculties and that ends up being your future. But thinking about that and putting some planning around it, and real ideas about what you want others to take away from your end of life, in many ways I think is a great way to really get the documents put in place and reduce tension and questioning later, and any ambiguity that there might have been ahead of time. [16:13] Marguerite Lorenz: Well, that’s the thing too that we don’t necessarily consider when we avoid estate planning. And I’m talking to all the professionals who listen to you, Frazer. The percentage of professionals who have their estate plans completed might be just a little bit more than the average person, but only a third of American adults have any kind of written plan — and I would argue that half of them are not really going to work. And when I speak to professional groups — attorneys, CPAs, financial advisors and so on — I get that same raise of hands: only about a third of them have a complete, up-to-date, ready-to-go estate plan. Why do I need it ready to go? Because I don’t know what’s going to happen or when. So yes, it is hard to contemplate the end of our lives; it’s not something we want to think about. But how do you stop thinking about it? How do you stop worrying about it? You do everything you can about it right now, and then you set it aside. And our cell phones are so powerful that I can put in my calendar five years from now to call my attorney and ask if anything’s changed in the law, and to consider then if I need to think about anything that might have changed in my life that I want to update. So once I get my estate plan done and updated, I don’t think about it anymore. I’m so relieved. My head space is so clear, because everything I was worried about has been thought about, considered, allowed, and put down in writing. And now I don’t worry anymore. [17:47] Frazer Rice: I scolded a group of financial professionals I was giving a talk to. I asked probably a similar question, which was: how many of you have your estate plan documents up to date? And they all shot up, out of shame. I said, “How many of you have looked at them within the last two years?” And then that shot down to about a third, maybe less. I just said, “Shame on you.” People are looking to you for help on these things and you’re not leading by example. And so — point taken, and not just the trusts and estates lawyers, but for everybody else around the ecosystem. To not go through that exercise yourself — you can’t possibly advise correctly if you’re not practicing what you’re preaching. [18:22] Marguerite Lorenz: Well, here’s my challenge, and here’s my challenge to every professional in our mutual space: bank trust officers, administrators, paralegals, everybody. In Luck or Control? and on planforthis.com, which is where you can find my books and get a free First Steps toolkit, the first question is, “Hey professional, do you have your estate plan done?” It’s the first question. Why? Because I want to be sure I’m dealing with somebody who has some empathy for the emotional decisions I’m going to have to make. I want someone on my team that understands what this feels like — not just the wise, tax-smart decisions that they made. It’s a whole package. And so I’m putting it out there and I’m saying: I’m challenging everyone in our mutual space. Make sure you have your estate plan done, because more and more clients are going to be asking you, “Do you have your estate plan completed?” [19:21] Frazer Rice: So then let’s talk about your third book, which is sort of an update — and we talked about it in the previous podcast that we did a while ago, and I’ll have that in there — which is Ethics for Trustees. What’s in the update? I know it’s now in an audio version, which I haven’t sampled yet but I’m sure it’s really good. What’s new now versus when it first came out? [19:54] Marguerite Lorenz: So I’ve simplified it a bit, because I recognize that each of us can look up the probate code for the state that we live in, and it was really much more of a California-specific book. Look, I’m a California Licensed Professional Fiduciary and I’m also a Master Certified Independent Trustee. So having the audiobook, and also having it in PDF form, I think is very helpful for people so they can make notes, take a certain page with them. And the book now is exclusively available at planforthis.com. And when you purchase it, you’re getting both the audio and the PDF version. [20:27] Frazer Rice: Cool. Well, we’ll make sure that’s in the show notes. Let’s take the last little bit of time we have here and talk about the decision to have an individual trustee — and by individual, I mean family trustee — versus a more professional trustee, whether it’s an individual or a bank trustee. You and I sort of nod our heads in agreement every time we talk on this topic, and I’ve done podcasts with others where I feel this looming crisis is coming, where people put all these documents together in trusts and then they staff them with people who may be initially qualified, barely, but then six months after the ink is dried, their interest wanes, their technical capability wanes, life intervenes, something different happens — and the problems just multiply at that point. I guess my big question is — and from the Independent Trustee Alliance, where there is a group of people who can operate as a trustee without having to go to a bank — how bad do you think this problem could get? We have this great wealth transfer and we have a lot of assets shifting, not just from the ultra-high-net-worth but regular people shifting to the next generation, with people at the wheel of these structures that I don’t think really understand what’s going on. How bad could this get? [21:52] Marguerite Lorenz: In my view, we’re not just dealing with a transfer of wealth — because that’s where a lot of people focus. Where’s the money going, right? It’s going from one generation who died and then the money’s going to the next generation. But in that interim — and by the way, many people live for years unable to make new decisions for themselves. So it’s during their lifetime that they might need their trustee to step in, not just after they die. And that’s really important to consider: that you might need someone for five or six years when you need someone to make decisions. What kind of decisions? You have digital assets, you have your social media accounts, you might be doing transactions on your phone all day every day — but someone else will need to get into your phone to actually do those things, maybe. Is that somebody you want from your family to do that for you? Maybe you still say yes. But that family member has to have the ability to enforce the rules that you’ve set in your trust. They need to communicate really well with other people. And they have to set aside their own feelings. They have to put you first. And that’s a big challenge. So when you think about the word fiduciary — and I know that the financial industry has used the word a lot — the technical aspect of that is that I’m putting my needs aside and putting that trustor, that person who created the trust, their needs first. Then I also have to consider their beneficiaries and the future of those beneficiaries. So I’m dealing with transactions and having to account for every single penny of where the funds are now and where they’re going, what the assets are, what the character of those assets are. I have to deal with all the taxation that goes with that. I have to manage those assets. So that’s one set of skills, right? But then there’s the softer skills about communicating with other people and understanding their doubts and their concerns, and not taking that personally, and putting things in writing. So this is a big job. It’s not the simple job that it might have been at one point, where someone just wrote a will on their cocktail napkin and said, “Okay, I’m leaving you all my money.” The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone to be that person for you, to go to your house, get you some clean underwear and socks and bring it to the hospital for you. So I think we have to look at our lives as more complex. It’s not just driving a car; it’s deciding where that car goes, and if the car is maintained, and is the car clean, and can we have other people in the car with you? There are just so many decisions that I’ve had to make for other people that I don’t take any of this lightly — and nor should anyone who’s writing their estate plan. You need that attorney to ask you those questions and walk you through your day-to-day, so you can keep your day-to-day as long as possible. [24:54] Frazer Rice: Well, the other part too is the people who assume those roles — and I’ve been in it too — when you are asked to make tough choices, sometimes you have to make tough choices that favor one person over another, and you may be called to account for that. And the idea of keeping diligent records and writing — in a sense putting down the reasoning behind what you’re doing and making sure that everyone, to the extent it’s possible, understands the why of what’s happening — I think that is going to help people really save themselves some issues going forward when those tough choices have to be made. [25:23] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. [25:27] Frazer Rice: Ah — good way to put it. [25:29] Marguerite Lorenz: You’re making them go to court, right? And who would want to make anyone else go to court? I mean, it’s just such a sad thing. And by the way, our courts are overrun with people that did no planning. And none of it happens quickly. So if you end up hospitalized and you haven’t selected a person, then the hospital and their bioethics committee is going to do the best they can. They’re going to ask for next of kin to make decisions for you — people that you may never have discussed your personal life with now have to be making decisions for you. So I’m asking people to be a little more proactive. I know you’re busy. I know it costs money to get an estate plan — probably less than you think, and certainly less than probate court would cost. A lot less than probate court would cost. Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about. I’m good. I have my plan, I keep up to date with my successors. I have a succession plan that’s worked beautifully. I’ve tested it. I know. And that’s why I can be so calm and so confident everywhere I go in my life. I’m feeling so good and so happy. Well, I want that for everyone. I want everyone to have that calm, true confidence that comes with knowing you’ve done everything you possibly can for yourself and the people you love. [26:54] Frazer Rice: Terrific. Marguerite, how do people get the books? How do people find you and your podcast, the Independent Trustee Alliance, and any other points of contact? [27:04] Marguerite Lorenz: Great, thank you. So planforthis.com is where you can find the books, where you can find me. We do have a podcast that has some wonderful discussions, case studies, and other topics to help people better understand the choices that they have. The Independent Trustee Alliance has a wonderful directory to find all kinds of professionals, but especially independent trustees, and you can find that at trusteealliance.com. And I’m going to be out there — I’m on LinkedIn. Come find me, connect with me. And Frazer, once again, thank you so much for the opportunity to visit with you. [27:40] Frazer Rice: Oh, it’s always great to get your expertise. And you bring a great sense of empathy to what can be a very technical and dollar-driven process. And I think the empathy, when it gets avoided or missed, there’s something really lost. So I really value your perspective on it. Thank you so much. [28:00] Announcer: This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinions of the employers of the host or guest. Subscribe to Wealth Actually on Apple Podcasts, Spotify, Youtube or wherever you listen — and if this episode was useful, share it with the person you have named in your documents. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/

Join RacingNews365's Nick Golding and Samuel Coop as they look back on last weekend's Hungarian Grand Prix. Mercedes being comfortably beatable is a major talking point, as is whether Lando Norris has the capability of completing a title fight comeback.Rather watch this episode? Then click here!

En este episodio de Slow Talks converso con Nina, fundadora de The Calendar Mallorca, sobre lo que significa crear una vida siguiendo tu intuición incluso cuando parece que todo se derrumba. Hablamos de emprendimiento, maternidad, grandes cambios, intuición y de esa capacidad que todos tenemos para reinventarnos cuando la vida nos obliga a tomar un rumbo distinto.¿Qué haces cuando sientes que has perdido el control? ¿Cómo encuentras la fuerza para seguir construyendo tus sueños en medio de la incertidumbre? ¿Cómo aprendes a escuchar tu intuición cuando el miedo hace tanto ruido?Una conversación profunda y honesta sobre resiliencia, creatividad, nuevos comienzos y el valor de crear una vida alineada con quien realmente eres.Porque, a veces, las crisis que más nos rompen también son las que nos acercan a nuestra versión más auténtica.Si te gusta Slow Talks, puedes apoyar el proyecto compartiendo este episodio, dejándole una valoración en Spotify o suscribiéndote al canal de YouTube. Notas del episodio⁠The Calendar Mallorca⁠⁠Instagram The Calendar Mallorca⁠Newsletter Soul Diaries en SubstackInstagramWebMis libros

Today on The Press Box, Bryan and David take a look at the shift in the 2028 Democratic primary calendar and discuss which contenders can win which states (02:58). They also talk about the rescheduled White House Correspondents' Dinner (38:12). Then they get to the July Issue (47:08). Bryan talks with David about his new book, 'Why Hulk Hogan Matters.' They talk about the ups and downs of Hogan's time in the spotlight and how he was often a reflection of American culture. Plus, David Shoemaker Guesses the Strained-Pun Headline! Hosts: Bryan Curtis and David Shoemaker Producers: Isaiah Blakely, Jon Jones, and Lucy Brick Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sedrick Cobb confessed to almost everything he did to 22-year old Julia Ashe - but the legal battle was far from over.  In Part 2, Margot takes you inside the courtroom as prosecutors seek the death penalty, the defense challenges the investigation and confession, and Connecticut's highest courts ultimately decide Cobb's fate. Listener discretion is advised. ⸻

August at the New Beverly features dark comedies with Danny Devito, buddy movies, a big Scorsese anniversary, a new Eli Roth movie, classic screwball, dirty cops, early Hitchcock and much much more! Our returning guest this month is John Moret from the Trylon Cinema in Minneapolis who is always fun to talk movies with! Enjoy! Check out all things New Beverly here: https://thenewbev.com/ Have A look at what's Happening at The Vista/Video Archives Cinema Club Here: https://ticketing.uswest.veezi.com/sessions/?siteToken=20xhpa3yt2hhkwt4zjvfcwsaww If You Enjoy the show, You can help support us at Pure Cinema by going to: https://www.patreon.com/purecinemapod Brian's Directed By shirts can be found here: https://www.teepublic.com/user/filmmakershirts

Tigers and Rocket Classic are on the local sports calendar this weekSee omnystudio.com/listener for privacy information.

3A graphix Sports Calendar 7-27-2026

Chuck Todd delivers a masterclass on the single most underappreciated force in presidential politics: the primary calendar, which he argues reveals exactly what kind of nominee a party actually wants long before a single vote is cast. He explains that the Democratic decision to put South Carolina first is by design a test of Black support and viability in the South — and one that's deliberately engineered to hurt progressives, who have consistently gotten thumped in South Carolina primaries. He believes that Democrats have badly underinvested in South Carolina and Mississippi, meaning a little TLC could plausibly turn South Carolina into a genuine swing state. The calendar's practical effect, he argues, is that it sets up well for Wes Moore (if he runs) and is nearly as favorable for Pete Buttigieg, while raising the stakes for Kamala Harris to the point that if she doesn't win South Carolina, she's essentially finished. He is sharp on the flaws of the rest of the early window — Nevada isn't the test Democrats claim because the culinary union shapes everything and Arizona would better measure the Latino vote, Michigan is theoretically ideal but is getting torn apart over Israel in ways that could hurt Democrats in a general, and Virginia (now the last stop before Super Tuesday) reliably serves as a bulwark for moderates because it's a center-left rather than hard-left blue state — and he lays out what the ideal calendar would look like for progressives and for MAGA respectively. He's blunt that Ken Martin's leadership of the DNC has been a major problem, questioning whether Democrats really want him refereeing the nomination fight when the party's money troubles are a reflection on Martin himself. He then turns to Trump backing down on Iran yet again — halting strikes less than 12 hours after issuing fresh threats — calling the entire Iran adventure easily the dumbest thing a president has done this century, especially now that an administration once committed to non-proliferation appears to be helping the Saudis with nuclear technology. He notes Democrats nominated Troy Jackson to replace Graham Platner, making the Maine Senate seat winnable again even as Trump has made the races in both Maine and Michigan harder, and closes with a run of telling contrasts: the White House openly bragging that it added tariffs to help big tech, data centers emerging as the top issue for voters in many states, Trump calling LeBron James a racist from the Oval Office while Obama quietly reached out to offer Caitlin Clark advice and comfort — a perfect encapsulation, He argues, of one leader who wants to divide and another trying to turn the temperature down. Then, sports business reporter John Ourand — who shares an origin story with Chuck Todd at Sports Business Daily — joins the Chuck Toddcast for a deep dive into the money reshaping professional and college sports. Ourand walks through the sale of the Seattle Seahawks as a signal that the era of family-owned NFL franchises is ending, explaining how team valuations have roughly doubled in just three years thanks to new tax advantages and the simple fact that NFL ownership has become the ultimate status club for the ultra-wealthy. He and Chuck dig into whether these eye-popping valuations constitute a bubble — the NFL alone signed $110 billion in media deals over two years — and whether the sports media "middle class" could be facing a real reckoning even as streamers thrive with smaller game packages. Ourand offers a fascinating look at how leagues are navigating their relationship with the networks and production companies that broadcast them (the NFL is deliberately careful not to hurt the legacy networks it depends on), and defends the enduring value of investigative sports journalism, pointing to Pablo Torre's Clippers reporting as a reminder that nobody, including executives at ESPN, wants to be remembered as the person who killed real journalism at the network. The conversation turns to how sports and politics are increasingly colliding. Ourand contrasts Michael Jordan's studied political neutrality with the modern reality of athletes and leagues getting pulled into culture war fights whether they want to or not, noting the UFC fight at the White House pulled huge ratings and that Trump's involvement in overturning a disputed red card call may have actually boosted viewership. He praises Caitlin Clark for navigating the culture wars more gracefully than almost anyone in sports today, draws a compelling parallel between Clark and Larry Bird, and argues the WNBA under commissioner Kathy Engelbert isn't doing nearly enough to capitalize on the attention Clark has generated — in part because leagues remain skittish about race and sexuality debates they'd rather avoid entirely. Ourand closes with a detailed look at the messy economics of college sports, explaining how the biggest programs are effectively subsidizing smaller ones, why a real collective bargaining structure may eventually be inevitable, and why the sport's true power brokers could soon demand a much larger share of the revenue pie for themselves. Finally, Chuck hops into the ToddCast Time Machine to revisit the ratification of the 14th amendment at a time when the idea of birthright citizenship is being called into question, and answers listeners’ questions in the “Ask Chuck” segment. Play ball and swing for the fences on FanDuel, an official partner of the MLB at https://FANDUEL.COM. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. For free and unbiased Medicare help, dial (980) 734-3985 to speak with my trusted partner, Chapter, or go to askchapter.org/chuck /*Paid Partnership Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 02:30 A primary calendar shows the type of nominee a party wants 03:15 The calendar dictates where candidates spend their time 04:15 The first state on the calendar is massively important 05:00 The Democratic nominee will have to survive South Carolina 05:30 Iowa has gone first for decades 07:15 First in the calendar matters more than anything else 07:45 South Carolina is a test for black support & viability in the south 08:30 South Carolina going first is designed to hurt the viability of progressives 09:15 Going first created robust state parties in Iowa & New Hampshire 10:00 Democrats have underinvested in South Carolina & Mississippi 13:15 Strong state organizations create future candidates & elected reps 14:45 With more TLC, Democrats should be able to make SC a swing state 15:45 South Carolina will determine which candidates are viable 17:15 Progressives have gotten thumped in SC primaries 18:15 Calendar is designed to make life harder for progressives 19:45 The calendar doesn’t always produce the intended candidate 22:00 20% in a crowded field could be enough to win or take 2nd 24:00 If Kamala Harris doesn’t win South Carolina she’s basically out 24:45 On paper, this is a huge boost for Wes Moore if he runs 26:00 Whoever is in 1st place this far out is a measurement of name ID 26:30 New Hampshire Dems are upset about not being first 28:30 Nevada is not the test that Democrats claim it is 29:00 The culinary union shapes the entire state’s politics in Nevada 30:00 The DNC wanted states that could produce same-night results 31:30 Nevada isn’t a good test of the latino vote, Arizona would be better 32:45 In theory, Michigan is a good state to test, but it’s getting divided over Israel 33:30 Israel could get so divisive it could hurt Dems in a general election 34:15 Virginia is now the last state of the early window before Super Tuesday 34:45 Virginia tends to serve as a bulwark for the moderate candidates 36:00 Virginia is a blue state, but it’s a center-left state 37:15 More than any candidate, the table is set for Wes Moore 37:45 The calendar is also good for Pete Buttigieg 39:15 What the best primary calendar would look like for progressives 41:00 What the best MAGA primary calendar would look like 44:00 The calendar dictates who candidates must become during campaign 45:45 Super Tuesday was created to balance out the early base voters 47:30 Legislature control also dictated the creation of this Dem primary calendar 49:15 Ken Martin’s leadership at the DNC has been major problem 50:00 Do Dems want Martin serving as the referee for the nomination fight? 50:45 Martin is clearly not in the right headspace to lead the DNC 51:45 The DNC’s money problems are a reflection on Martin, not the party 52:45 Trump bloviated & issued more threats to Iran & he’s backing down again 53:45 Less than 12 hours after making threats, he halted strikes 54:45 Trump is completely out of ideas on Iran 55:45 Iran is easily the dumbest thing a president has done this century 56:30 For years the goal was non-proliferation, now we’re helping the Saudis? 58:15 If we’re helping Saudis with nuke technology, who are we to tell others no? 59:00 Trump’s personal financial gain may have accelerated this 59:30 Dems nominate Troy Jackson to replace Graham Platner 1:00:00 Maine senate is once again a very winnable race for Democrats 1:01:15 Trump has made the races in Michigan and Maine much harder 1:02:15 Trump has no idea what’s going on in American politics, can’t read a room 1:03:00 White House bragged that they added tariffs to help big tech 1:04:15 Data centers are the biggest issue for voters in many states 1:05:45 Trump calls LeBron James a racist at oval office press conference 1:06:45 Obama reached out to give Caitlin Clark advice & words of comfort 1:08:00 Trump showed he wants to divide, Obama tried to turn temperature down 1:09:15 Mrs. Todd’s suggestion for changing the White House Correspondents’ Dinner 1:17:45 John Ourand joins the Chuck ToddCast 1:19:45 Chuck & John’s shared origins at Sports Business Daily 1:22:15 Who are the new owners of the Seattle Seahawks? 1:23:00 We are ending the era of the family owned teams 1:24:00 How did NFL teams double in value in 3 years? 1:25:00 NFL ownership is a club rich people want to be in 1:25:45 There are new tax advantages to owning franchises 1:28:00 Are sports franchise valuations a bubble that could burst? 1:29:45 The NFL signed $110B in deals in 2 years 1:30:15 The middle class of sports rights might face a reckoning soon 1:30:45 The PGA Tour may have cause for concern for media rights 1:33:15 Streamers are doing just fine with limited packages of games 1:33:45 If Amazon gave up their rights, the stock price probably goes up 1:35:30 The NFL conscious of not hurting the business of legacy networks 1:37:30 Will the leagues move broadcast production in-house? 1:39:45 Leagues more likely to partner with large production companies 1:42:15 There’s still a market for investigative sports journalists 1:45:15 Nobody wants to be the executive that kills journalism at ESPN 1:46:00 Reporters at ESPN are aware of where the third rail is 1:47:00 Pablo Torre’s scoop on the Clippers was a journalist’s dream 1:49:15 How are leagues/players interacting with politics? 1:50:30 Michael Jordan stayed out of the political fray 1:52:30 The UFC fight at the White House had huge ratings 1:53:00 Trump’s involvement in overturning red card possibly boosted ratings 1:55:15 Caitlin Clark has been great at avoiding be pulled into the culture wars 1:56:00 Parallels between Larry Bird & Caitlin Clark 1:58:15 The WNBA isn’t doing enough to capitalize on Clark’s popularity 2:00:30 Leagues are afraid of race & sexuality debates 2:01:15 Is Kathy Engelbert the right commissioner for the WNBA? 2:04:30 How would collective bargaining be organized in college sports? 2:07:45 The biggest college programs are subsidizing the smaller ones 2:10:15 Could big programs demand a bigger share of the revenue? 2:15:30 Where you can find John’s work 2:17:00 ToddCast Time Machine - July 28th, 1968 2:17:30 This was the day William Seward certified the 14th Amendment 2:18:15 Some states tried to rescind their certification 2:18:45 Congress declared the amendment ratified 2:19:30 “Who gets to be an American?” was a question the founders left open 2:20:15 Birthright citizenship was an open question at the time 2:20:45 Dred Scott was one of the worst SCOTUS decisions of all time 2:21:30 States tried to reassemble the structures of slavery after the war 2:22:00 Abolishing slavery and securing freedom were two different things 2:22:45 Citizenship couldn’t rest on a law, it had to be in the constitution 2:23:30 Trump vs. Barbara ended with SCOTUS upholding birthright citizenship 2:24:30 The case of Won Kim Ark became foundation of this summer’s ruling 2:25:30 Congress addressed Native American citizenship in 1924 via statute 2:27:30 Someone from anywhere could become an American 2:28:15 Every generation has found new ways to fall short of the American promise 2:29:15 Certification of the 14th amendment is what makes America different 2:30:00 Ask Chuck 2:30:15 Have you seen anything to suggest Trump has a religious faith? 2:33:30 Goal of NDAA integrating more between the U.S. & Israeli militaries? 2:38:30 If a president were convicted and removed via impeachment… What happens next? 2:42:00 Recommendations for political books? 2:47:00 Has the kind of voter fraud cited by Republicans ever changed an outcome?See omnystudio.com/listener for privacy information.

Chuck Todd delivers a masterclass on the single most underappreciated force in presidential politics: the primary calendar, which he argues reveals exactly what kind of nominee a party actually wants long before a single vote is cast. He explains that the Democratic decision to put South Carolina first is by design a test of Black support and viability in the South — and one that's deliberately engineered to hurt progressives, who have consistently gotten thumped in South Carolina primaries. He believes that Democrats have badly underinvested in South Carolina and Mississippi, meaning a little TLC could plausibly turn South Carolina into a genuine swing state. The calendar's practical effect, he argues, is that it sets up well for Wes Moore (if he runs) and is nearly as favorable for Pete Buttigieg, while raising the stakes for Kamala Harris to the point that if she doesn't win South Carolina, she's essentially finished. He is sharp on the flaws of the rest of the early window — Nevada isn't the test Democrats claim because the culinary union shapes everything and Arizona would better measure the Latino vote, Michigan is theoretically ideal but is getting torn apart over Israel in ways that could hurt Democrats in a general, and Virginia (now the last stop before Super Tuesday) reliably serves as a bulwark for moderates because it's a center-left rather than hard-left blue state — and he lays out what the ideal calendar would look like for progressives and for MAGA respectively. He's blunt that Ken Martin's leadership of the DNC has been a major problem, questioning whether Democrats really want him refereeing the nomination fight when the party's money troubles are a reflection on Martin himself. He then turns to Trump backing down on Iran yet again — halting strikes less than 12 hours after issuing fresh threats — calling the entire Iran adventure easily the dumbest thing a president has done this century, especially now that an administration once committed to non-proliferation appears to be helping the Saudis with nuclear technology. He notes Democrats nominated Troy Jackson to replace Graham Platner, making the Maine Senate seat winnable again even as Trump has made the races in both Maine and Michigan harder, and closes with a run of telling contrasts: the White House openly bragging that it added tariffs to help big tech, data centers emerging as the top issue for voters in many states, Trump calling LeBron James a racist from the Oval Office while Obama quietly reached out to offer Caitlin Clark advice and comfort — a perfect encapsulation, He argues, of one leader who wants to divide and another trying to turn the temperature down. Finally, Chuck hops into the ToddCast Time Machine to revisit the ratification of the 14th amendment at a time when the idea of birthright citizenship is being called into question, and answers listeners’ questions in the “Ask Chuck” segment. Play ball and swing for the fences on FanDuel, an official partner of the MLB at https://FANDUEL.COM. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. For free and unbiased Medicare help, dial (980) 734-3985 to speak with my trusted partner, Chapter, or go to askchapter.org/chuck /*Paid Partnership Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 02:30 A primary calendar shows the type of nominee a party wants 03:15 The calendar dictates where candidates spend their time 04:15 The first state on the calendar is massively important 05:00 The Democratic nominee will have to survive South Carolina 05:30 Iowa has gone first for decades 07:15 First in the calendar matters more than anything else 07:45 South Carolina is a test for black support & viability in the south 08:30 South Carolina going first is designed to hurt the viability of progressives 09:15 Going first created robust state parties in Iowa & New Hampshire 10:00 Democrats have underinvested in South Carolina & Mississippi 13:15 Strong state organizations create future candidates & elected reps 14:45 With more TLC, Democrats should be able to make SC a swing state 15:45 South Carolina will determine which candidates are viable 17:15 Progressives have gotten thumped in SC primaries 18:15 Calendar is designed to make life harder for progressives 19:45 The calendar doesn’t always produce the intended candidate 22:00 20% in a crowded field could be enough to win or take 2nd 24:00 If Kamala Harris doesn’t win South Carolina she’s basically out 24:45 On paper, this is a huge boost for Wes Moore if he runs 26:00 Whoever is in 1st place this far out is a measurement of name ID 26:30 New Hampshire Dems are upset about not being first 28:30 Nevada is not the test that Democrats claim it is 29:00 The culinary union shapes the entire state’s politics in Nevada 30:00 The DNC wanted states that could produce same-night results 31:30 Nevada isn’t a good test of the latino vote, Arizona would be better 32:45 In theory, Michigan is a good state to test, but it’s getting divided over Israel 33:30 Israel could get so divisive it could hurt Dems in a general election 34:15 Virginia is now the last state of the early window before Super Tuesday 34:45 Virginia tends to serve as a bulwark for the moderate candidates 36:00 Virginia is a blue state, but it’s a center-left state 37:15 More than any candidate, the table is set for Wes Moore 37:45 The calendar is also good for Pete Buttigieg 39:15 What the best primary calendar would look like for progressives 41:00 What the best MAGA primary calendar would look like 44:00 The calendar dictates who candidates must become during campaign 45:45 Super Tuesday was created to balance out the early base voters 47:30 Legislature control also dictated the creation of this Dem primary calendar 49:15 Ken Martin’s leadership at the DNC has been major problem 50:00 Do Dems want Martin serving as the referee for the nomination fight? 50:45 Martin is clearly not in the right headspace to lead the DNC 51:45 The DNC’s money problems are a reflection on Martin, not the party 52:45 Trump bloviated & issued more threats to Iran & he’s backing down again 53:45 Less than 12 hours after making threats, he halted strikes 54:45 Trump is completely out of ideas on Iran 55:45 Iran is easily the dumbest thing a president has done this century 56:30 For years the goal was non-proliferation, now we’re helping the Saudis? 58:15 If we’re helping Saudis with nuke technology, who are we to tell others no? 59:00 Trump’s personal financial gain may have accelerated this 59:30 Dems nominate Troy Jackson to replace Graham Platner 1:00:00 Maine senate is once again a very winnable race for Democrats 1:01:15 Trump has made the races in Michigan and Maine much harder 1:02:15 Trump has no idea what’s going on in American politics, can’t read a room 1:03:00 White House bragged that they added tariffs to help big tech 1:04:15 Data centers are the biggest issue for voters in many states 1:05:45 Trump calls LeBron James a racist at oval office press conference 1:06:45 Obama reached out to give Caitlin Clark advice & words of comfort 1:08:00 Trump showed he wants to divide, Obama tried to turn temperature down 1:09:15 Mrs. Todd’s suggestion for changing the White House Correspondents’ Dinner 1:16:00 ToddCast Time Machine - July 28th, 1968 1:16:30 This was the day William Seward certified the 14th Amendment 1:17:15 Some states tried to rescind their certification 1:17:45 Congress declared the amendment ratified 1:18:30 “Who gets to be an American?” was a question the founders left open 1:19:15 Birthright citizenship was an open question at the time 1:19:45 Dred Scott was one of the worst SCOTUS decisions of all time 1:20:30 States tried to reassemble the structures of slavery after the war 1:21:00 Abolishing slavery and securing freedom were two different things 1:21:45 Citizenship couldn’t rest on a law, it had to be in the constitution 1:22:30 Trump vs. Barbara ended with SCOTUS upholding birthright citizenship 1:23:30 The case of Won Kim Ark became foundation of this summer’s ruling 1:24:30 Congress addressed Native American citizenship in 1924 via statute 1:26:30 Someone from anywhere could become an American 1:27:15 Every generation has found new ways to fall short of the American promise 1:28:15 Certification of the 14th amendment is what makes America different 1:29:00 Ask Chuck 1:29:15 Have you seen anything to suggest Trump has a religious faith? 1:32:30 Goal of NDAA integrating more between the U.S. & Israeli militaries? 1:37:30 If a president were convicted and removed via impeachment… What happens next? 1:41:00 Recommendations for political books? 1:46:00 Has the kind of voter fraud cited by Republicans ever changed an outcome?See omnystudio.com/listener for privacy information.

What do you do when your calendar changes unexpectedly…• Do you find yourself anxious when your plans fall apart?• Do you feel guilty when you don't accomplish everything you hoped?• Do you immediately start trying to take back control?Most of us assume the answer is better planning, stronger routines, or more discipline.But what if the real issue isn't your planner...What if it's your theology of time?Because theology isn't simply something we believe.It's something we live.And because we live it, our theology quietly shapes how we think, choose, lead, rest, work, and steward every hour we've been given.In this foundational episode, we're beginning a brand-new series: Theology of Time 101.Together, we'll discover why time isn't merely something to manage. It's a sacred gift from God—one we're invited to receive with gratitude and steward with wisdom.Inside This EpisodeIn today's conversation, we'll explore:* Why everyone already has a theology of time—even if you've never stopped to think about it.* Why your calendar reveals what you believe about time.* How the Busyness Lie quietly fuels anxiety, hurry, and the feeling of always being behind.* Why your theology of time shapes your methodology with time—and ultimately shapes who you become over time.* One simple question that can transform the way you approach every day:What is it time for?Sacred TruthTime is not merely a resource to optimize.It is a sacred gift entrusted to us by God.When our theology of time is shaped by Scripture, our stewardship becomes less about accomplishing more and more about faithfully responding to God's invitation in each season.Because time is sacred......and stewardship is strategic.ReflectBefore you move on with your day, pause with this question:What belief about time has quietly been shaping the way you live—and is God inviting you to see it differently?This conversation doesn't end with the episode. Share your thoughts in the comments below—I read every one, and I'd love to hear what God is revealing to you as you rethink your theology of time.Continue the ConversationIf today's episode resonated with you, I'd love to invite you to continue the conversation in Sacred + Strategic Time Stewardship on Substack.Each week you'll receive companion articles, podcast episodes, biblical reflections, and practical tools to help you faithfully steward your time in light of God's Word.If you're ready to move from learning to living, I'd love to welcome you into the Stewardship Circle.Together, we'll go deeper through monthly teachings, guided reflection, and practical implementation as you learn to faithfully steward every season.Time is sacred. Stewardship is strategic.Lissa This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit lissafiggins.substack.com

In 2026, we're slowing down to soak in the story that invites us to believe. The Gospel of John doesn't just tell us what Jesus did—it reveals who He is. Through signs and stories, questions and conversations, light and life, John calls us again and again to “come and see.” Over the next year, we'll walk with Jesus from the opening words—“In the beginning”—to the empty tomb, discovering how encountering Christ shapes our faith, our hope, and our everyday lives. This is more than a study; it's an invitation to deeper belief and fuller life. Learn more with Pastor Young from Kindred Church Also, we highly encourage you to download the Church Center App if you want more information about the church. The app will be able to guide you toward our Calendar of Events, ways to Give, and fill out a Connect Card. 

Hey, Family Brand community! Have you ever had one of those moments where nothing is necessarily wrong... but something just feels off? That's exactly where we found ourselves not too long ago. On the surface, life was full of good things—work, activities, commitments, opportunities—but somehow we looked around and realized we didn't actually have much time left to simply be a family. That realization eventually led us to create one of our favorite Family Brand exercises: Take Back Your Family's Time. The truth is, your calendar will always fill itself if you let it. We learned that the hard way. We had said yes to so many good opportunities that there wasn't much room left for the best things—the conversations around the dinner table, family traditions, slow evenings together, or simply doing the things we genuinely love as a family. Sometimes the problem isn't that we're filling our lives with bad things. It's that we're filling them with so many good things that there's no space left for what matters most. One of the first things we did was ask a simple question: "Our family works when..." We started making a list of the moments when we feel the most connected. Maybe it's eating meals together, camping, turning off devices in the evenings, going to church, reading together, or having a nightly family check-in. Every family will have different answers, but identifying those rhythms gave us clarity about what we wanted to protect. From there, we took an honest look at where our time was actually going. It wasn't always easy, but it gave us permission to say "no" to some things so we could say a much bigger "yes" to our family. As another busy season approaches, this is the perfect time to pause and do your own family time audit. Involve your kids in the conversation—they often have incredible insight into what makes them feel most connected. You might be surprised by what they remember and what they value. The goal isn't to create a perfect schedule. It's to intentionally create a life where your family has room to thrive instead of simply trying to keep up. Hit play to hear the full conversation! In this episode, we walk through the entire Take Back Your Family's Time framework, the questions we ask ourselves every year, and the practical exercise you can use with your own family this week. P.S. We're here to help you build your own Family Brand, one episode at a time. So go ahead, hit play, and let's grow together! Or, if you're ready to dive deeper into our community, follow the links below.   LINKS: All Links Family Brand!  stan.store/familybrand familybrand.com/quiz familybrand.com/retreats.  Episode Minute By Minute: 00:00 Why We Needed to Take Back Our Family's Time 01:19 When Good Things Become Too Much 02:11 The Family Exercise We Shared in Croatia 03:14 The Wake-Up Call Our Family Needed 04:13 Identifying What Your Family Loves Most 05:00 Good vs. Better vs. Best 05:46 The Story That Changed Our Perspective 06:46 Why Every Family Needs a Time Audit 07:46 Rediscovering Family Traditions 08:27 Preparing for a Busy Season 09:00 "Our Family Works When..." 10:00 A Family Tradition That Inspired Us 11:06 Give Yourself Permission to Say No 11:47 Involve Your Kids in the Conversation 00:00 Why We Needed to Take Back Our Family's Time 01:19 When Good Things Become Too Much 02:11 The Family Exercise We Shared in Croatia 03:14 The Wake-Up Call Our Family Needed 04:13 Identifying What Your Family Loves Most 05:00 Good vs. Better vs. Best 05:46 The Story That Changed Our Perspective 06:46 Why Every Family Needs a Time Audit 07:46 Rediscovering Family Traditions 08:27 Preparing for a Busy Season 09:00 "Our Family Works When..." 10:00 A Family Tradition That Inspired Us 11:06 Give Yourself Permission to Say No 11:47 Involve Your Kids in the Conversation    

The shopping calendar isn't what it used to be. Prime Day has become Prime Week, Black Friday has become Black Friday Month, back-to-school shopping now starts in June, and holiday shopping is starting in October. As brands and retailers compete for an edge during these lucrative periods, the traditional shopping calendar is getting elongated and spread out. According to Kelly Pedersen, global retail lead at the professional services firm PwC, these shifts are being driven by both businesses and consumers. On the Glossy Podcast this week, Pedersen shared that PwC's research on back-to-school shopping shows that the average family is spending around $920 during the back-to-school period. Those customers are continuing to spend around $630 a month on their kids throughout the school year. "It starts with the brands," he said. "The retailers always want to capture consumers during these moments, and they want to be first. It's not just about revenue during those windows, but [it's also about] customer acquisition, capturing those customers and using that momentum to carry spend on throughout the entire year." Pedersen said today's consumers are being trained to expect holiday sales and back-to-school sales earlier, meaning they're waiting to spend until those periods start. That further incentivizes brands to elongate the period as much as possible. The natural question becomes whether a longer shopping event leads to consumer fatigue and risks robbing those periods of their urgency. But Pedersen said he doesn't think that is the case. "Theoretically, it could actually increase overall spending because people get paid in cycles," he said. "They're going to spend a certain percentage of their paycheck on holiday shopping. But if you elongate that period, you have more opportunities to pick up on that cash flow from the consumer." Ultimately, Pedersen recommends that brands think about these shopping periods — like holiday, back-to-school and Mother's Day — as opportunities to capture a customer in the long term, not just as a one-off revenue driver. He also pointed to PwC data showing that almost 0% of surveyed customers said they planned to use AI to help them shop for holidays last year, but that number jumped to 73% this year. "Consumers are using technology to become smarter about how they shop with a retailer, and retailers really need to think about this new channel," Pedersen said. "And it's not a channel in the traditional sense, meaning they're not transacting via AI, but it's a discovery channel, and it's a price-checking channel."

Spanners, Trumpets and recent recruit Vincenzo Landino jump on to take a sneak peek preview of the upcoming Hungarian F1 GP race. This is the last race before the summer break, and lots of teams are bringing lots of updates/upgrades to test the waters before the second half of the year, so there will be lots to talk and wildly speculate about.⭐Missed Apex Tik Tokhttps://www.tiktok.com/@missedapexf1⭐ Spanners https://x.com/SpannersReadyhttps://bsky.app/profile/spannersready.bsky.social⭐Matt Trumpets https://x.com/mattpt55https://bsky.app/profile/mattpt55.bsky.socialWays To Support Missed Apex:✅ Join our Patreon to gain access to our exclusive Patreon Only Discord Chat + Bonus ContentWe Only Exist Due to Our Patron Support https://www.patreon.com/MissedApex✅ Leave a tip https://missedapexpodcast.com/tipjarOn Tonight's Show:⭐Missed Apex Tik Tokhttps://www.tiktok.com/@missedapexf1⭐ Spanners https://x.com/SpannersReadyhttps://bsky.app/profile/spannersready.bsky.social⭐Matt Trumpets https://x.com/mattpt55https://bsky.app/profile/mattpt55.bsky.social⭐ Vincenzo Landino https://www.bizofspeed.com/ https://www.instagram.com/thevincenzolandino/https://x.com/vincenzolandinoGive us a shout on WhatsApp! Save +44 79 4747 1840 if you are interested in calling into a show or sending us things you reckonCome iRacing with us!!! Join the Missed Apex British F4 iRacing Championship! 6 rounds, UK tracks only, through the Missed Apex iRacing League! Email spanners@missedapex.net to join the fun!!!Give Spanners Insta a go!!!https://www.instagram.com/spannersreadyKeep an eye out on Netflix!https://www.instagram.com/netflixpodcasts/Give Vincenzo a follow and keep up with all the latest in F1 biz!https://www.bizofspeed.com/https://www.instagram.com/thevincenzolandino/https://x.com/vincenzolandinoCheck out Trumpets with the NYC Ska Orchestra at Bryant Park in NYC July 24th at 7 PM!!!! https://www.carnegiehall.org/Calendar/2026/07/24/Carnegie-Hall-Citywide-NYC-Ska-Orchestra-0700PMThere is a livestream as well!!! Check it out even after the showhttps://www.youtube.com/user/bryantparknycCheck out Trumpets on the latest NYC Ska Orchestra single Bridge View!!!https://song.link/BRIDGEVIEWGive Vincenzo a follow and keep up with all the latest in F1 biz!https://www.bizofspeed.com/https://www.instagram.com/thevincenzolandino/https://x.com/vincenzolandino Hosted on Acast. See acast.com/privacy for more information.

Full Warmup: Jerry's calendar is getting mean again, and Jerry, Al, and Eddie went out for dinner

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You bought the planner. You color-coded the calendar. And you're still lying awake with 40 things buzzing in your head. Here's the truth nobody taught you: overwhelm is not a calendar problem, it's a mindset problem. And no planner can fix the belief that you should be able to do more than is humanly possible. In this episode, I walk you through a real coaching call with a homeschooling farm mom who was completely overwhelmed and beating herself up for "failing." We did the math on what she was actually expecting of herself: 45 hours a week of farm work, plus keeping house, plus homeschooling. And everything shifted in about 20 minutes. No new planner required. You'll learn: Why overwhelm is not a calendar problem — and why a new planner will never fix it The "five gallons into a one-gallon container" picture that explains why you feel like you're failing (you're not) The one question to ask yourself before you touch another productivity tool If you recognized yourself anywhere in this episode, come to my free class on August 17th. I'm teaching the one foundational coaching skill that makes all the others work — the skill that saved my life 25 years ago. There will be a replay. Save your seat: charlottemsmith.com/class The Profitable Mindset Academy starts late August. I'll teach all 26 coaching skills the most successful women I know use in every area of their lives. If this episode helped you, follow the show and leave a review. It helps more farmers find this work.

Ryan and Kipp dive into another Ask Me Anything episode covering friendship, leadership, masculinity, marriage, and purpose. They begin by discussing George Washington's remarkable character and why understanding history matters today. Listener questions lead to conversations about finding true brothers instead of surface-level friends, accepting difficult personal feedback, evaluating modern masculinity influencers, and navigating marriage when a wife earns more than her husband. Along the way, Ryan shares personal stories about leadership, divorce, and conviction, while Kipp offers practical insights on authenticity, self-leadership, and intentional living.   SHOW HIGHLIGHTS 00:00 – Pre-show conversation 11:47 – George Washington discussion 19:21 – Finding brothers instead of casual friends 27:22 – Difficult personal feedback and growth 42:30 – Choosing trustworthy voices on masculinity 51:19 – Should men be the primary provider? 1:03:18 – Iron Council preview invitation 1:04:18 – Closing thoughts   Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready  

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Have you been telling yourself that once the agency reaches the next level, you will finally take care of yourself? As an agency owner, you shouldn't be fitting life into your work schedule; instead you should fit work into your life. Today's featured guest is not the type of founder who ground his way to success and then learned to slow down. He built the life first and designed the agency around it from early on. He talks about how he built lead flow through SaaS partner ecosystems without ever asking for a referral, why he started charging $500 donations to his veterans nonprofit as the price of a meeting with him, and what it actually looks like to flip your calendar so life is the priority and work fills in the gaps. Dobbin Buck is the CEO of GetUWired, a full-service digital marketing agency headquartered in Dahlonega, Georgia. He came up through the museum world and found his way into the agency space out of necessity after a move to North Georgia. Over two decades, he evolved from Joomla websites to marketing automation to AI, building an agency alongside a team that includes his wife as COO. In this episode, we'll discuss: Building strong relationships that don't start with "send me business" Flipping the calendar Putting yourself first is not a reward Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Building Business Development Through SaaS Ecosystems Without Ever Asking for a Lead Dobbin's growth strategy runs counter to how most agencies approach partner programs. The default is to join a partner ecosystem, badge up as a certified provider, and wait for the platform to send over referrals. Dobbin's version starts from the opposite end: show up, bring value, make friends, and trust that reciprocity will follow. He did this first with Infusionsoft after building a vertical solution for a residential real estate client that became a template he could rinse and repeat across hundreds of buyers. Infusionsoft noticed, started sending him to other verticals, and opened doors to more ecosystems from there. The practical principle underneath this is worth naming. The agencies that get the most from partner ecosystems are rarely the ones that join with the loudest ask. They are the ones who spend long enough demonstrating capability that the referrals become inbound rather than requested. That takes longer. It also produces a different quality of relationship and a different quality of client. Dobbin's most interesting clients came from introductions he never anticipated. None of it came from leading with "send me business." What Charging $500 For Your Time Actually Signals When Dobbin started getting hammered by unsolicited outreach from salespeople and lead generation services, his response was more creative than an unsubscribe filter. Any vendor who wanted a 30-minute meeting with him had to make a $500 donation to his veterans fly fishing nonprofit first. If the business conversation was worth having, the cost per acquisition was already north of $500 anyway. If it was not worth $500, there was nothing to discuss. The filter worked on two levels. It stopped the low-intent outreach immediately. It also generated meaningful donations for a nonprofit he cared about. The lesson here is that your time has a real cost, and building a structure that reflects that cost is not arrogance. It is clarity. Most founders who feel overwhelmed by the wrong kind of attention have not yet made that cost visible. Dobbin did, and found that the people worth talking to were happy to pay it. Flipping the Calendar and What Changed When He Did Dobbin used to work twelve-hour days and fit the rest of life into the gaps his schedule allowed. His kids' soccer games, date nights, time outside: all of it was scheduled around work, which meant all of it was conditional. Every agency owner has experienced this and Dobbin knew it was time for a change, so he loaded his calendar first with everything he wanted to do for himself, and then filled work in around it. Two rounds of sauna and cold plunge, thirty minutes of meditation, one to three hours of reading daily: those go in first. Work finds its place in what remains. The move that tested this the most was taking Mondays off entirely to lead veterans fly fishing trips. His team's reaction was predictable: disbelief, concern about productivity, questions about how he would compensate. His answer was that he would not compensate. He would just take Mondays off. Nothing broke. The work that had taken five days fit into four, and he came into Tuesday sharper and more energized than he had been in years. The carrot he describes, the one that keeps moving no matter how fast you run toward it, stops being motivating the moment you realize it is never going to sit still. Taking Mondays off was how he stopped chasing it. Putting Yourself First Is Not a Reward for Reaching a Certain Revenue Most founders structure their lives around a deferred promise. When the agency reaches the next milestone, then I will take care of myself. The problem is that the milestone keeps moving. The agency gets bigger and the demands grow with it. The window does not open automatically. It has to be forced open deliberately, and waiting for the right time to do it means it rarely happens. Dobbin has been living the alternative version for long enough to see what it produces. He is 60 years old, energized, genuinely happy, and clear that none of it is correlated with a revenue number. The agency is the vehicle. It was never supposed to be the destination. The founders who figure that out early enough to actually act on it are the ones who end up looking back with something other than regret. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Trump's latest AI leader resigns. The Army burns through its AI tokens. Scammers impersonate IC3 personnel.HollowGraph malware uses a compromised Microsoft 365 calendar for C2. Qilin ransomware targets a critical Palo Alto Networks flaw. A North Korean campaign targets Web3 and cryptocurrency professionals through fake job recruitment scams. Zimbra patches multiple critical bugs. Shadow AI creates regulatory headaches. Hackers wipe Romania's land registry database. Our guest is Errol Weiss, Chief Security Officer at Health-ISAC, setting the record straight on ransomware trends. Patching the automotive security system you didn't know you had.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today we have Errol Weiss, Chief Security Officer at Health-ISAC, joining us to discuss ransomware trends in the healthcare industry. We also discuss findings from the Health-ISAC 2026 CISO Benchmarking Report and Health-ISAC's 2nd Quarter Heartbeat Report, which examine the current threat landscape facing the health sector. Selected Reading Trump's latest AI czar has already resigned (TechCrunch) The Army Is Burning Through Its AI Tokens (WIRED) Fake FBI Agents Use IC3 Complaints to Target Scam Victims (Hackread) New HollowGraph Malware Abuses Microsoft 365 Calendar for C&C Communication (SecurityWeek) Critical Palo Alto VPN bug now exploited by Qilin ransomware gang (Bleeping Computer) Researchers Uncover North Korean 'ClickFake' Campaign Targeting Web3 Pros (Infosecurity Magazine) Zimbra Update Patches Critical Vulnerabilities (SecurityWeek) Shadow AI Is Rewriting Cyber Disclosure Risk (BankInfoSecurity) Risky Bulletin: Hacker wipes Romania's entire land registry database (Risky.Biz) A Device Hidden in Cars Across the US Leaves Them Vulnerable to Hacking and Paralysis. Patch It Now (WIRED) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

WordPress Exploitation Underway (CVE-2026-63030) https://isc.sans.edu/diary/WordPress%20Exploitation%20Underway%20%28CVE-2026-63030%29/33168 HOLLOWGRAPH: Turning Microsoft 365 Calendars into Covert Command-and-Control Channels https://www.group-ib.com/blog/hollowgraph-microsoft-365/ Gitea Vulnerablity CVE-2026-58443 https://github.com/go-gitea/gitea/security/advisories/GHSA-xxjv-752h-3vp2 My Upcoming Classes https://www.sans.org/profiles/dr-johannes-ullrich

"Come August, we like to celebrate: Saint Suck My Big Fat Fucking Sausage!" August's lineup is here, and Magnolia is NOT on the schedule! BUT... customer service is on trial in this collection of films that interrogate the concept of TOXIC POLITENESS and the challenging of societal norms, whether it be the right to use ANY colour you'd like for your NUDIE MURAL, or the right to order fast food breakfast ANY TIME OF THE DAY. What are you looking forward to? What are you DREADING? What are you ON? FUCK YOU DUDE. Just joking. RELAX.

Just days before Christmas 1989, 22-year-old Julia Ashe disappeared after a holiday shopping trip in Waterbury, Connecticut. What began as a missing person investigation quickly evolved into a hunt for a violent predator who had been targeting women across the Naugatuck Valley using a calculated and chilling scheme. In Part 1, Margot examine Julia's disappearance, the meticulous investigation that followed, and the evidence that led detectives to 27-year old Sedrick Cobb. This episode traces the events that unraveled one of Connecticut's most disturbing murder cases. Listener discretion is advised. ⸻

What does Tisha B'Av ask of us after October 7? Tisha B'Av is the saddest date on the Jewish calendar, but Rachel Goldberg-Polin argues it also offers hope and opportunity. In a conversation shaped by the personal and collective trauma of October 7, she explains why Jewish tradition gathers centuries of loss onto a single day, why it compels us to look inward, and how mourning is meant to become the first step toward repair. Rachel's suggested reading:  This Is Real and You Are Completely Unprepared: The Days of Awe as a Journey of Transformation by Rabbi Alan Lew ___ Call Me Back is made possible by our subscribers. If these conversations are where you turn to understand Israel and the Jewish world, consider joining them. It's what keeps this show going. Become a Subscriber - Inside Call me Back This episode was sponsored by Birthright: Invest in the Jewish future today at onetripchangeseverything.com. ____ In this episode: - Why Tisha B'Av became Judaism's day of mourning -  The original national failure: The spies and the Promised Land,  - The centrality and importance of the Temples we can't comprehend - Sinat chinam and the danger of baseless hatred - Why Jewish tradition looks inward after catastrophe - How Tisha B'Av is observed and why the rituals matter - Rav Kook's answer: from baseless hatred to baseless love - Finding hope, repair, and "yet" after grief More Ark Media: Want to join Ark Media? Check out our careers page for new openings. Explore Israel Votes Listen to Ark News Daily Listen to For Heaven's Sake Listen to What's Your Number? Newsletters | Ark Media | Amit Segal | Nadav Eyal Instagram | Ark Media | Dan X | Dan Dan Senor & Saul Singer's book, The Genius of Israel Get in touch Credits: Ilan Benatar, Ryan Lohr, Beth Pearlman, Brittany Cohen, Ava Weiner, Martin Huergo, Mariangeles Burgos, and Yuval Semo

Spanners, Trumpets and Stuffeyy leave no stone unturned as they highlight the hijinks and heartbreak of the 2026 F1 Belgian Grand Prix in this, the latest episode of Missed Apex Podcast!⭐Missed Apex Tik Tokhttps://www.tiktok.com/@missedapexf1⭐ Spanners https://x.com/SpannersReadyhttps://bsky.app/profile/spannersready.bsky.social⭐Matt Trumpets https://x.com/mattpt55https://bsky.app/profile/mattpt55.bsky.socialWays To Support Missed Apex:✅ Join our Patreon to gain access to our exclusive Patreon Only Discord Chat + Bonus ContentWe Only Exist Due to Our Patron Support https://www.patreon.com/MissedApex✅ Leave a tip https://missedapexpodcast.com/tipjarOn Tonight's Show:⭐Missed Apex Tik Tokhttps://www.tiktok.com/@missedapexf1⭐ Spanners https://x.com/SpannersReadyhttps://bsky.app/profile/spannersready.bsky.social⭐Matt Trumpets https://x.com/mattpt55https://bsky.app/profile/mattpt55.bsky.social⭐ Stuffeyy https://www.youtube.com/@stuffeyyGive us a shout on WhatsApp! Save +44 79 4747 1840 if you are interested in calling into a show or sending us things you reckonCome iRacing with us!!! Join the Missed Apex British F4 iRacing Championship! 6 rounds, UK tracks only, through the Missed Apex iRacing League! Email spanners@missedapex.net to join the fun!!!Give Spanners Insta a go!!!https://www.instagram.com/spannersreadyKeep an eye out on Netflix!https://www.instagram.com/netflixpodcasts/Check out Stuffey's F1 watchalongs!!! https://www.youtube.com/@stuffeyyCheck out Trumpets with the NYC Ska Orchestra at Bryant Park in NYC July 24th at 7 PM!!!! https://www.carnegiehall.org/Calendar/2026/07/24/Carnegie-Hall-Citywide-NYC-Ska-Orchestra-0700PMCheck out Trumpets on the latest NYC Ska Orchestra single Bridge View!!!https://song.link/BRIDGEVIEWAnd the Tim Whittington interview!!!https://www.youtube.com/watch?v=dBZoh6e02BQhttps://open.spotify.com/episode/45AjrtEz2CiaY3Zg9CjUkW?si=NWAF_4LVSWCZOTBibMGIFAGive the Mark Hughes interview some love!!!https://youtu.be/HwwMvy8Aaf0?si=H4_bS7w8rcM_wewthttps://open.spotify.com/episode/3biSm9P8zzrEpRSG3IG7B6?si=ARk4kBpdRwiMi4R3eLPQXAAnd the Scot Elkins interview!!!!https://youtu.be/T8JCZL7JBm0?si=oQ_qmcToa2KRjzZOhttps://open.spotify.com/episode/65iYBl6dL6Xgquh2ep17aDWatch the 1999 European GP with us!!!!https://open.spotify.com/episode/110O0nCIjg8nVjOZfL8Isp?si=Om6tzrngRX2VBqo46YAGvAhttps://www.youtube.com/live/otDRikHN95w?si=52pva_19oIZFuvDg Hosted on Acast. See acast.com/privacy for more information.