Podcasts about CDS

In this episode of the Walk 2 Wealth Podcast, host John Mendez interviews Jason Butler, a personal finance expert and founder of My Money Chronicles. They discuss Jason's journey from growing up with financial struggles to becoming a successful entrepreneur. Jason shares his definition of wealth, his early experiences with money, and the importance of side hustles in achieving financial stability. The conversation also touches on the challenges of managing debt, the value of college experiences, and essential skills for aspiring entrepreneurs. Jason emphasizes the importance of living life to the fullest while being financially responsible and encourages listeners to take control of their financial futures.TakeawaysJason defines wealth as having enough money or assets to be work optional.His early experiences with money were shaped by his family's financial struggles after his parents' divorce.He started side hustles at a young age to support himself financially.College was a time for both fun and learning, but he also hustled to make money.He emphasizes the importance of college experiences in personal growth.Jason's journey includes various side hustles, including selling CDs and working in restaurants.He believes in the value of discipline and common sense in entrepreneurship.Jason shares his ongoing battle with student loan debt and the importance of paying it off.He encourages listeners to take responsibility for their financial situations.Living in the moment and enjoying life is crucial, even while managing finances.

This week's episode of Investing Simplified, hosted by Matt Sudol and Matt Mai of Price Financial Group, focused on the evolving landscape of interest rates, inflation, and their impact on personal finance as we approach the end of the year. The discussion emphasized the importance of reviewing cash holdings, savings rates, and mortgage options amid recent Federal Reserve rate cuts and volatile treasury yields. Matt and Matt explained how short-term interest rates have dropped more significantly than long-term rates, influencing products like money markets and CDs. They also highlighted the necessity of maintaining adequate emergency funds and actively checking the competitiveness of rates offered by banks, especially as mortgage rates and housing prices remain elevated.The show also dedicated time to retirement income planning, breaking down the five main sources: Social Security, pensions, IRA or 401(k) withdrawals, taxable brokerage income, and rental or business income. Strategies for maximizing benefits and making tax-efficient decisions—such as timing Social Security claims and considering qualified charitable distributions for required minimum IRA withdrawals—were discussed. Both Matt Sudol and Matt Mai reminded listeners of the importance of early planning, consulting qualified professionals, and taking advantage of complimentary consultations available.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

Great Restoration and Revival (3) (audio) David Eells – 12/7/25 Do you know why God speaks to us in parables as in Jesus, the Man-child's day? He said, To hide these things from the wise and prudent that He may reveal them unto babes… I want to share with you some revelations to help you and encourage you to be spiritually prepared for tribulation and the outpouring of the latter rain anointing.   Terrorism, Spiritual Invasion and Apostasy Don Lett - 06/22/2008 (David's notes in red) For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places. (Eph.6:12) (At first, this appears to be a physical terrorist attack, but the further you read on, the more it is revealed to be a spiritual invasion and attack on the U.S. and Christians.) Somehow, I found out about a terrorist attack that was going to occur on an Air Force base where I was staying. Although this base seemed like a normal civilian area. (The U.S. is the eagle of the “Lion with Eagles Wings” of Babylon. It is called this partially because of its air superiority. I believe the U.S. is the air force base in the “normal civilian area”.) I was in a bathroom hiding, and I could see that a group of Caucasian, American-looking men had captured most of the leadership on the base. (The enemy looks like average Americans but has a foreign ideology and spirit.) I looked behind me and saw that the General of the base was incapacitated and a little bloody. He wasn't able to stop this attack. The terrorists were looking for him but couldn't find him. I decided that he was OK and that he would be safely hidden in this bathroom. (The corporate beast spirit body from the pit has infiltrated and captured the minds of most of the leadership of the U.S. and is using them for their one world order purposes against the saints.) In another room to my rear, I could see a baby being watched by an adult. They were safe for the time being in a glass room, but I had no idea what was getting ready to take place. (The alien terrorist attack is happening to raise up this dragon/beast entity over the U.S. and bring down the freedoms we have known in the past. The baby is the newborn corporate Man-child that the beast entity wants to extinguish, as Herod attempted in the Gospels and the dragon will attempt in the Rev.12 end-time parallel. However, this baby, although visible, is safely caught up to heavenly places in Christ. The beast that is taking over all nations is the real terrorist that will make war against the saints.) I was scared, but I also noticed there was an escape route to the rear. I had to warn the authorities on base. I went straight to the guard shack at the check-in point. When I told the guards that I needed to talk to someone immediately about something that was going to occur, an MP car pulled up. They suggested that I inform the MPs who were in the car. They rolled down their window, and I leaned down to begin to tell them about the terrorists. But then I remembered that part of the plan was to infiltrate the base with other terrorists. I wasn't sure if these were real MPs or terrorists in disguise. I asked the MPs in the guard shack if they had ever seen these individuals before. They said no. (We really don't know who can receive our warning of this invasion. Some whom we think are brethren we find out are really the enemy.) I went and spoke to another MP whom they did recognize. As I was explaining to him about the terrorists, several people from my past were walking by and casually listening with interest, but not alarm, like J____. The MP seemed interested but not alarmed either. But it appeared that he would take someone to investigate these claims. (Most authorities will not take this spiritual alien invasion seriously, and others have already been taken over by it.) Next thing you know, I was sitting at a long table with a group of other civilians who were eating. Most of them, it seems, knew that I had found out about this terrorist attack. Some family members then began to brag about T___, who they said was getting these amazing words from God. The method that she was getting this word was from occult spiritualism or witchcraft-type practice. (Many times masquerading as Christian gifts.) They thought of her as a white witch. When they explained this to me, I told them right away that this is not the way that God works and that she was being influenced by a familiar spirit, but they didn't believe me. Just then, a very old friend from my past, S____, began to tell me what a hypocrite I am because of something I had done to him when I was a teenager (30 years or so ago). I told him that I was sorry and explained to him about forgiveness and how I had completely forgotten about this incident that had held him in captivity for so long. I asked him to let it go. (Many will be taken in because they are turned over to the tormentors for their own unforgiveness.) I turned my attention back to T____. My family members continued to press me about how God was speaking through her and that she was a good witch. And I reiterated that God didn't work this way. I told them that if they would meet with me outside, I would lay hands on her and cast this demon out. They still didn't believe me, but decided to meet with me, probably to prove that she was getting the word from God. (Many today pay no attention to the source of knowledge and power in these fakes since they are infiltrated with the enemy, but if we hold fast to the scriptures, we will know them.) While walking to meet with her, I got mixed up in a Catholic procession. They were singing “Amazing Grace”, but I could not get in tune with the way they were singing it. I tried several times and eventually got frustrated and stopped walking and singing with them. (The righteous will not assimilate into the larger end-time Universal, meaning Catholic, religion of the new world order that turns grace into lasciviousness.) I ended up in a different room. I noticed T____ walking with the group as they were walking in a line up a ramped corridor. The wall between us had an opening about one foot high at the neck so that I could see the faces of those walking. T____ was walking with them. I remembered that she looked pretty, but something was very odd about her countenance. Everyone seemed to be walking in an almost trance-like state. (Those who are into the witchcraft of rebellion to the Word will be assimilated by the alien spirits.) I had to go downstairs to meet with her and found myself on an elevator with a bunch of other people. This elevator was wide open without even a handrail. As I was going down the elevator, I was praying that God could do this work through me. I was concerned that I had not been close enough to God lately to cast this powerful demon out. (Closeness to the Lord enables us to be useful in the deliverance of our brethren.) When I came downstairs, there were a lot of activities. A lot of people I knew were playing basketball. I wanted to join them, but I had to take care of this first. I was still very concerned that I wouldn't be able to cast this demon out. Several people stopped me on the way to that side of the room to say hi. I quickly said hi and continued to move toward my cousin. (Most are caught up in the game of competition and scoring points between the sects of Christianity and are unaware of the spiritual alien invasion in their midst.) When I finally made my way past the basketball court, more acquaintances whom I had not seen in a while wanted to say hi. I gave a friend of mine a hug and said hi, and continued to move on. Finally, I got face-to-face with T___. I told her that I was going to lay hands on her, and just as I began to lay hands on her, a very shapely woman, whom I had never met, dressed in a turquoise stretchy dress that was cut very low at the breasts and high on the thighs, came out of nowhere and approached me to hug me. None of this made any sense to me that such a beautiful lady, whom I had never seen before, would come up to me and decide to hug me. I knew this had to be the work of the enemy. (The harlot of apostate Christianity seeks to seduce those who seek to deliver its adherents.) I thought about some of David Eells' teachings, and I held my hand out and said, “Lord, take this demon away from me”. (Or maybe, “Don't allow this demon to touch me”.) I was astonished by what happened next. This lady was lifted off the ground about an inch or two and slid backward about 10 to 15 feet and landed in a chair. She had her back arched, and you could see spiritual demonic activity above her chest. This startled me so much that I awoke from the dream. (The Word will cause the elect to recognize strong delusions of apostasy.)   My Interpretation: The Air Force base is the U.S. “This building (the Pentagon) will be attacked 3 million times today”. It is protected by the Air Force from cyberattacks. Terrorists are not Muslims; they are ordinary-looking Americans. Christian babies are somewhat protected, but they are totally unaware of the dangers. They are protected for a time, but the room is made of glass. These people have infiltrated a large part of our police forces (and government organizations). People will listen mostly out of interest but not out of concern. People have no problem listening to false prophets, but don't believe the Word of God. Satan will attempt to divert us from our mission by using: False prophets Past wrongs you committed Family members False religions You question your confidence in your walk with the Lord Extra-curricular activities Friends Lusts The Personality Profiles: J____- nominal but professing Christians, with very little biblical knowledge and virtually no relationship with Christ S____ - former Christian having fallen from the faith. Atheist or agnostic at best T____ - little or no biblical knowledge, professing a relationship with God   The Cross Revives the Church  Eve Brast - 10/04/2016 (David's notes in red) I dreamed that my son Elijah and I were making our way through crowds of frustrated people in an airport. (Elijah represents the John the Baptist ministry calling God's people to repentance.) (Without repentance God's people cannot live in heavenly places above this world. (Mal.4:5) Behold, I will send you Elijah the prophet before the great and terrible day of Jehovah come. 6 And he shall turn the heart of the fathers to the children, and the heart of the children to their fathers; lest I come and smite the earth with a curse. The children don't know their fathers in the faith. All they have known is Babylonian false prophets and haven't grown up.) The people were angry and frustrated because an announcement had been made overhead that all flights were "delayed" and no one knew why. (Flights being delayed are representative of earthly bondages continuing.) Why do earthly bondages continue? They don't know their need because they don't know their spiritual fathers. (Eph.1:3) Blessed be the God and Father of our Lord Jesus Christ, who hath blessed us with every spiritual blessing in the heavenly places in Christ... All of our needs are supplied in heavenly places by abiding in Christ, Who is the Word. When we do not depart from the Word, we are a heavenly creation with heavenly benefits. Right behind John's repentance came Jesus and the church fathers.) (I asked Father for a word concerning the announcement of the delayed flights in the airport and received (Isa.1:25) I will turn my hand on you, thoroughly purge away your dross, and will take away all your tin. 26 I will restore your judges as at the first, and your counselors (Fathers) as at the beginning. Afterward you shall be called 'The city of righteousness, a faithful town'.) As we came up to the last terminal (time is running out), an older woman with blonde hair that had streaks of gray throughout, wearing a head covering, came up to us and pleaded with us to come and help her daughter, who was being a rebellious teenager. She was concerned because her daughter would not obey her concerning staying home and helping her clean the house and her bedroom. (Representing sanctification or "holiness without which no man shall see the Lord".) She kept sneaking out of the house to hang out with her friends at the mall and go shopping. (This woman represents the original church whose daughter has gone astray [in immature rebellion]. I believe there is one daughter in this dream because she represents the elect of God who will return to the true church. (Time is running out for the rebels to escape the power of this world before the judgments come. (Rom.2:3) And reckonest thou this, O man, who judgest them that practise such things, and doest the same, that thou shalt escape the judgment of God? (The rebellious teenager/church is about to miss her plane to safety.) (Luk.21:34) But take heed to yourselves, lest haply your hearts be overcharged with surfeiting, and drunkenness, and cares of this life, and that day come on you suddenly as a snare: 35 for so shall it come upon all them that dwell on the face of all the earth. (Meaning those not in heavenly places in Christ.) 36 But watch ye at every season, making supplication, that ye may prevail to escape all these things that shall come to pass, and to stand before the Son of man. (Heb.2:3) how shall we escape, if we neglect so great a salvation? which having at the first been spoken through the Lord, was confirmed unto us by them that heard. (Heavenly places is to be caught up to the throne of God's authority over this cursed world.) 4 God also bearing witness with them, both by signs and wonders, and by manifold powers, and by gifts of the Holy Spirit, according to his own will. 5 For not unto angels did he subject the world to come, whereof we speak. 6 But one hath somewhere testified, saying, What is man, that thou art mindful of him? Or the son of man, that thou visitest him? 7 Thou madest him a little lower than the angels; Thou crownedst him with glory and honor, And didst set him over the works of thy hands: 8 Thou didst put all things in subjection under his feet. (To be in the heavens is to have everything worldly and all of the curse under your feet.) For in that he subjected all things unto him, he left nothing that is not subject to him. But now we see not yet all things subjected to him. (Whose fault is that? Jesus said that we have heavenly authority over this earth and its curse in (Mat.16:19) I will give unto thee the keys of the kingdom of heaven: and whatsoever thou shalt bind on earth shall be bound in heaven; and whatsoever thou shalt loose on earth shall be loosed in heaven. (Rev.3:21) He that overcometh (the teenager rebellion and lust), I will give to him to sit down with me in my throne, as I also overcame, and sat down with my Father in his throne.) While the woman was lamenting to us about the daughter, I noticed an escalator off to the side of the terminal. I noticed that there were many people packed onto the downside (falling away) and only two or three individuals going up on the upside (those ascending to heavenly throne authority) to the next level. (Only one out of the four bore fruit in the parable of the sower.) (We are called to heavenly places, which are in Christ. Much of the church is earth-bound because they have not learned to abide in Christ, Who is the Word.) Then the woman's voice came back into my focus and hearing as Elijah was agreeing that we would go with her to her house and help her daughter. (The Bride will bring repentance to the rebellious church but not before some judgment arrives.) The scene changed as we found ourselves standing at the entrance to the daughter's bedroom from within the house. The mother was opening the door and gesturing for us to enter. Her daughter's room looked like a shop at the mall. (Love of the earthly stops one from receiving love of the heavenly places.) Shoe displays and mannequin torsos were displaying risqué teen clothing. (Many are in idolatry [and lust] with the world.) The mother explained that the daughter was hardly ever home, choosing to be at the mall and with her friends over home life with the family. (The heavenly family has been departed from, for earthly pursuits. We all know people like this who are full of excuses, but they will find out too late that they didn't eat their Word.) Elijah and I (Eve, the Bride) began to walk around the room to get an idea of what to say to the daughter and how to help her. I noticed a white door with glass panes in the top half, and on the other side of the room, which led into the room from the outside. There was a short hall entryway between the room and the door. (The door is Christ and represents salvation.) I noticed some activity going on in the entryway. (This is where most of the Church stops, not bearing the fruit of Christ in their soul and ministry.) David was busy doing something. Then Michael came up to us and began explaining about a project that David had been working on for a while for this girl. Michael showed me a few of the nails that he had helped gather for the project. He had quite a few gathered in a small silver metal bucket near the wall of the entryway. (The nails are to hold our flesh on our cross so that we may have the resurrection life of Christ in heavenly places of throne authority.) (David and Michael are representative of the Man-child ministers who have been prepared and are preparing for this end-time harvest.) Suddenly, a bunch of the Local UBM brethren came into the room in the same direction that Elijah and I had entered. I saw that everyone was cooperating with one another to transform the daughter's room. (The apostate Church will see a role model in the Bride that they never did in their leadership.) I saw M. L. consulting with the other ladies to alter all the clothing into more appropriate things for the daughter to wear. (The mature don't flash flesh, they crucify it. Modesty is a necessity.) The men were discussing how to move around some of the shelves (too many of God's things are on shelves) and bring in appropriate furniture for a bedroom. (To rest in faith in God's promises.) (Being in one accord and one Spirit with body ministry for our little sister.) (It appears a little sister was matured and glorified. (Psa.45:13) The king's daughter within the palace is all glorious: Her clothing is inwrought with gold. 14 She shall be led unto the king in broidered work: The virgins her companions that follow her Shall be brought unto thee. 15 With gladness and rejoicing shall they be led: They shall enter into the king's palace. 16 Instead of thy fathers shall be thy children, Whom thou shalt make princes in all the earth. And it appears that she became a spiritual mother to many.) Then the door to the outside opened, and David stepped over the threshold carrying a large, lightweight transparent cross over his right shoulder. (The Davids will first bear the cross to death of themselves so that they may give it to others. (Heb.12:2) looking unto Jesus the author and perfecter of our faith, who for the joy that was set before him endured the cross, despising shame, and hath sat down at the right hand of the throne of God.) Michael said excitedly, "There it is. That's the project!" I asked Father for a word concerning David and Michael and the project and received 1 Timothy 2:5 (context: 5,6). (1Ti.2:5) For there is one God, one mediator also between God and men, himself man, Christ Jesus, 6 who gave himself a ransom for all; the testimony to be borne in its own times. (Just as Jesus paid the price for us to be freed, so will He do it in the Man-child, and much fruit will be borne. (Joh.12:24) Verily, verily, I say unto you, Except a grain of wheat fall into the earth and die, it abideth by itself alone; but if it die, it beareth much fruit.) David knelt down and gently laid the cross down with the foot at the threshold and the head where the room began. He reached over the cross and pulled the bucket of nails toward him as Michael went over and handed him a heavy hammer. As David pulled the nails out of the bucket, they began to light up a beautiful sky blue like neon signs. He nailed them in groups of three at all four points on the cross. (Giving others an example of death to self. There were 12 blue nails representing discipleship. This cross bridges the gap so that those who are without can enter the house. (Representing the now-holy house and place of heavenly provision. No cross, no crown.]) Once David had finished, the daughter came home, and as she stood looking in amazement at the entryway, she couldn't believe that David had cared enough to do that for her. She was so touched that she had to come in and see the rest of the room. (The Church's eyes will be opened through the crucifixion of the Man-child, and they will enter into the Kingdom life.) She was amazed at how we had all worked together to transform her room, and she really liked what she saw. Everything was so new to her as she walked around admiring the transformation. I went over to her as she stood in front of some shelves that the men had restored. I watched her pick up some sort of tool off the shelf, wondering what it was. It had a part of it that glowed blue like the nails in the cross. I began to explain to her what it was and how to use it. Her face was filled with wonder as I watched her transform before my eyes into a young boy with beautiful blonde hair. (The transformation of our little sister into Christlikeness through our witness and examples. Showing her how to use the tools of the Gospel in order to overcome.) Then I woke up. I asked Father for a verse or text for this dream and received by random John 20:19 (context: 19-23). (Joh.20:19) When therefore it was evening, on that day, the first day of the week, and when the doors were shut where the disciples were, for fear of the Jews, Jesus came and stood in the midst, and saith unto them, Peace be unto you. 20 And when he had said this, he showed unto them his hands and his side. (Proofs of crucifixion and resurrection.) The disciples therefore were glad, when they saw the Lord. 21 Jesus therefore said to them again, Peace be unto you: as the Father hath sent me, even so send I you. (Through spiritual crucifixion and resurrection.) 22 And when he had said this, he breathed on them, and saith unto them, Receive ye the Holy Spirit (The great power of God to lose our life to gain Jesus' life and ministry.): 23 whose soever sins ye forgive, they are forgiven unto them; whose soever sins ye retain, they are retained.   Spiritual Food for the Tribulation Janie McManus - 04/30/2009 (David's notes in red) Generally, I wake up early, by 6:00 AM, to pray and read the Word, but this morning when I awoke, I wanted to sleep some more. It was my day off and I had a long list of things to do, and I thought, Oh no, what will happen if I stay in bed? Then I sensed the Holy Spirit say, “Sleep. I want to give you a gift”. I drifted off into sleep and dreamed I was within a group of people being herded along urban streets, and jostling among folks. (This is in the hard times of tribulation when the World Beast will take charge of people's lives.) I realized that I was not among people I knew, but we seemed about the same middle, lower-middle class crowd -- no one too fancy, and basically healthy. So I am standing in the middle of all these sacks of grain, and we have to move, suddenly, like we were being driven, so I asked the ones around me, “Can you help me carry these sacks?” (The Word we need to live by), and they laughed, saying, “No need to drag that along; we get plenty to eat”. (Those who set aside obedience to the scripture.) But I figured, this is perfectly good grain, and I am not going to just throw it away, so I loaded my pack and pockets, and we walked and jogged on. (Revival among the poor, outside the camp of mainstream churchianity, who will “load up” on the grain of God's Word.) Soon we stopped, out on this country road, and long board tables were set out, and we were instructed to line up on the sides, and then plates were put in front of us filled with this mush, which, on closer inspection, was filled with maggots. Looking up and down the length of the table, I saw people just pick up the plates and start shoveling it in. (The Beast and their false prophets will feed their corrupt teachings to the spiritually starving.) Needless to say, I was NOT hungry, so I wandered away from the table and snatched a few grains to chew on.  Immediately, I could hear the boots of these uniformed troops as they rushed up to the table to see if the food was eaten and all the plates were empty, except mine. In a gruff voice, they asked, “Whose plate is this?” and everyone who had been alongside me turned and pointed to me, but the troops just stormed past me, as though I wasn't there. (Martial law will enforce the harlot's wishes on the multitudes, as in Jesus' day. Our site has testimonies of people being invisible to the enemy as they served the Lord. Jesus passed through the midst of those who would kill Him. Peter passed two trained guards as an angel led him out of prison.) This wearying trek of meals and marching kept being repeated, and I just munched on my grain and shared with anyone who asked for some. (The righteous will carry the Word to those hungry for life.) At first, everyone liked the sweet taste, but they didn't like chewing it, so they spit it out, preferring the gruel. (The clean beasts chew the cud until the Word is thoroughly digestible and useful to the body.) The ones who did eat from both sources became sort of shadowy and wispy (spiritual), but also fearful, and they began to hide. (Those who begin to mix the Word in with their traditions become more spiritual, but their corrupt lives are condemned, and they fear the Lord without an understanding of grace.) Then they refused to eat what I offered and they became “solid” (fleshly) again but everyone had sort of an oily, flabby, fleshy muscle tone, and they wheezed in an unhealthy way. (Those who hear the Word and turn back to walk in the flesh will be cursed. (2 Pet.2:20) For if, after they have escaped the defilements of the world through the knowledge of the Lord and Savior Jesus Christ, they are again entangled therein and overcome, the last state is become worse with them than the first. 21 For it were better for them not to have known the way of righteousness, than, after knowing it, to turn back from the holy commandment delivered unto them. 22 It has happened unto them according to the true proverb, The dog turning to his own vomit again, and the sow that had washed to wallowing in the mire.) Eventually, we came to a small strip mall that had already been looted, and all the folks rushed into the ransacked stores to see if there was anything they could yet steal. Some were stuffing CDs and techno things into their packs, which was dumb, since they had no electricity or batteries. (The mall represents the buying and selling of the merchants of Babylonish Christianity. They don't know that they have been plundered of anything useful and what is left is useless and powerless.) In the strip mall, I saw that there was a Christian bookstore and, although the windows were smashed, the shelves had been swept clear (no knowledge of God left) and piles of books were on the floor. (What knowledge was there was on the lowest level. The smashed windows represent no clear vision.) I went and picked up a book off the floor and, when I lifted it, all this ash fell out; I looked at the pages, and they were completely empty. When I sifted through the ashes, I found a few little stones. When I licked one off, it proved to be a tiny diamond, hard and translucent. (The only value in the teachings of Babylon is when they quote the scriptures. Nothing else will endure the fires of tribulation.) I wrestled with whether I ought to pocket the tiny diamonds or leave them behind. I searched for some Bibles but found none. (The Word will not be found in the government-approved churches.) I went up to a full bookshelf and opened a standing book. Instantly, the printed words crumbled and slid off the page -- all of them except some bold-print quotes. Suddenly, these leapt off the page and coiled up like microfilm (hidden treasures) and fell at my feet. I realized these words were direct Bible quotes and they were the tiny diamonds. So I scooped up as many as I could gather before the marching orders were barked out. (The Bible will be treasured by the hungry and destroyed by the wicked.) The people were gathering out in the front parking lot of the mall, so I went out to join them. They saw all the diamonds I had, tackled me and looted me! They were shaking me down and gulping down the diamonds by the fistful, without even chewing them, and then left me on the curb, in the middle of nowhere, and went on. (Those apostates who hear but do not digest the Word of truth will persecute the righteous. (Mat.7:6) Give not that which is holy unto the dogs, neither cast your pearls before the swine, lest haply they trample them under their feet, and turn and rend you.) I saw that the back door of the store was standing open, and I dragged myself over to the door. There was an enormous interior space that was floored like a warehouse, and there were people in low wheelchairs scooting back and forth, from one end of the mall to the other. I felt afraid for them, realizing that they were the ones who would be culled from the herd, but I “understood” that these were below the radar: “In their weakness, God's strength is made perfect”; so, even though they were physically handicapped, they were rather healthier than the others. (Those whom the world considers crippled and unworthy of its company, God chooses and protects. (1 Cor.1:26) For behold your calling, brethren, that not many wise after the flesh, not many mighty, not many noble, [are called]: 27 but God chose the foolish things of the world, that he might put to shame them that are wise; and God chose the weak things of the world, that he might put to shame the things that are strong; 28 and the base things of the world, and the things that are despised, did God choose, [yea] and the things that are not, that he might bring to nought the things that are: 29 that no flesh should glory before God.) On the far end, there was a kindly woman who was feeding the handicapped handfuls of the diamonds. The kindly woman was spry and very old (strength and maturity); she came up and asked me if I was a Christian. I said yes, and then she asked, “How do you know?” I began sobbing and saying, “I was hungry and thirsty” (I felt like a little child who was over-tired). I then said, “Because I only want to eat diamonds” (You know you are a Christian when you hunger and thirst for the pure Word. (Mat.18:3) and said, Verily I say unto you, Except ye turn, and become as little children, ye shall in no wise enter into the kingdom of heaven. 4 Whosoever therefore shall humble himself as this little child, the same is the greatest in the kingdom of heaven.) This made me cry even more because I felt I had given the wrong answer. I started wailing and weeping and saying, “I gave all the grain I had to the others, and they hate me. I try to walk with them and I share what I have, and I don't make trouble”. (Many “on fire Christians” have had the sad experience of trying but failing to fit in among the apostates and being persecuted for it.) I went on and on about all the stuff I had done, knowing it all sounded so foolish, and I was overcome with exhaustion and was sobbing uncontrollably. (Failure to reach many lost souls with the true Word will be a grief to many saints.) She gently put her hand on my shoulder and said, “You must go on now”. Suddenly, she paused, turned and asked me, “Do you know how to get more diamonds whenever you want?” Before I answered, she held up a single page of NT scripture for me to see. The page was almost sheer, and the lettering was moving like tiny rivulets of water (as “living water”) and she asked me, “Do you recognize any of this?” I began crying and with such intense joy that it hurt, and I could not even see through my tears. I reached up to try and grab the whole page to try to stuff it in my mouth, but she would not let me lay hold of it. (Reading it too fast and missing the details.) Laughing, she said, “No, you sit still and read the words so you can hear what they say and see what they mean”. Calming myself down, I sat to read, and whenever I came to words I knew, they suddenly froze and became like a sticker or label. (As we meditate on the Word, it becomes real to us -- digested into our being.) She said, “Peel them off and eat that,” so I did just that. Some passages I ate 10 or 15 times, but immediately after peeling off the label/passage, they were replaced. So, like a hungry man, I gorged myself and thought I could eat until I fell asleep. She said, “Now, you can keep eating whenever you want, or you can lug the grain sack around”. I was puzzled and asked, “Where will I carry it?” and she said, “It is in your mind and in your heart, but you must stand still and look for it and ask for it; there it will be”. (There is a time when we only carry the Word of God in our hand, but as we digest it, the Holy Spirit is able to bring it up out of our hearts to meet the needs around us.) Then she again said, “You must go on now”. Now I was greatly strengthened, rested and fed. I even began to wake up, ready to conquer the day, but I heard her voice say, “Wait, there is more”, and I fell into sleep again, into the same dream. I was being dragged out of the crowd in the middle of a campground by some of the people I had fed earlier, and they began dragging me toward the troops. I didn't feel a bit afraid and I wasn't resisting. I said to them, “Let's just stand here; they can come over to us”, which they did immediately! (The apostate church will use the beast government to persecute those whose doctrine doesn't please their flesh.) The troops asked, “Where is she?” and the others said, “Right here, between us”, which I thought was odd; they would have had to be blind not to see me. (God will, in some cases, physically blind the wicked to protect His saints. They are “hidden with Christ in God”. The spiritual blindness of the OT law and the letter of the Word “veils” the eyes and mind of apostate persecutors.) So they instructed the ones holding me to restrain me, but I calmly stood up straight and tall, and watched as one of the troops lifted an enormous sword (like in the movie Braveheart) high above his head, and in slow motion watched it drop to the crown of my head. It sliced me right in half, all the way to my ankles, and there at my feet were all my clothes and all around my feet was a pile of these diamonds, like I was some sort of grain sack that had been slit open. (Just as Jesus was “the Word made flesh”, so it will be with His disciples. The persecution will reveal this to those who have eyes to see.) I felt the embarrassment of a dream when you are completely naked, yet no one even saw me, so I stood still. The ones holding my arms let go of me and dove on top of my clothing and started tearing them, eating them, ripping them up, and passing them around. (When Jesus was naked and crucified, they parted His garments. The garments of the righteous represent the “righteous acts of the saints”, as in Rev.19:8,14. The apostates devour the righteous through their denigrating words and accusations. (Gal.5:15) But if ye bite and devour one another, take heed that ye be not consumed one of another.) Oddly, everyone wanted some of the fabric, and everyone was gobbling up the diamonds, but completely forgot about me. (In the same way, they will criticize the truths of the Word that the saints have become, but God will reprobate them.) When they turned away to march on, I noticed that no longer were they people, but almost like half-pig, half-human, and the feces that fell behind them were loaded with the diamonds -- unchewed, undigested, and unharmed -- just dirty. (Like sows that had washed, they return to wallow in the mire. The church world and its greedy leadership have polluted the truths of God's Word. They have not digested the true meaning of the Scriptures. Please read all of Eze.34. Verse (Eze.34:18) Seemeth it a small thing unto you to have fed upon the good pasture, but ye must tread down with your feet the residue of your pasture? and to have drunk of the clear waters, but ye must foul the residue with your feet? 19 And as for my sheep, they eat that which ye have trodden with your feet, and they drink that which ye have fouled with your feet.) I reached out, hesitant to touch the “stuff” but saw my hand was covered in a white glove, so I looked for something to put the rescued diamonds in and wondered where I would get water to wash them off. I squatted down and saw (to my relief) that my knees were covered in this satiny, sheer curtain-like fabric, and low down I could hear water trickling. (The humble may go to their knees to find wisdom from God to turn the polluted hearts of the deceived to the pure Word. The white glove represents works of righteousness, as you take the clean water of the Word and Spirit.) I noticed then that ALL OVER the ground lay bodies of dead people. I was horrified and astounded. So I stood up and began to sing. The more I sang, the more clearly I could see the bodies. Some were being eaten by grubs, but others were rather like fertile ground, and when I flipped them over, they were filled with earthworms. In those bodies, I “planted” some of the diamonds, just out of curiosity. Suddenly, I watched the diamonds unfurl, and all the letters began sprouting roots and tendrils; they were alive! I became engrossed in putting out the diamonds, like one planting seeds by hand in a furrow. (The true gospel saves, heals, delivers, and resurrects those who are dead in sin.) When I looked back, the field was filling with people coming out of the ground, who immediately turned to begin tilling the ground and planting bodies! We were all quite busy and a multitude was coming alive. (The sowers of the Word will sow the seed and bring forth life in others, who in turn go to work in the field.) I woke myself up, shook off sleep, got out of bed, and went to start a load of laundry, thinking, ‘Now that was weird!' (We have been exhorted by this dream to clean up the garments of our works so that we are not partakers of the defilements of Babylon by their religious spirits. (Exo.19:10) And Jehovah said unto Moses, Go unto the people, and sanctify them to-day and to-morrow, and let them wash their garments... (Num. 8:21) And the Levites purified themselves from sin, and they washed their clothes... (31:24) And ye shall wash your clothes on the seventh day, and ye shall be clean; and afterward ye shall come into the camp.) I have a little box of scripture verses that are about 70 years old, from my grandmother's house, next to my washing machine. So, waiting for the water to fill the tub, I chose a card at random to read; it was (Mat. 7:7) Ask, and it will be given to you; seek, and you will find; knock, and it will be opened to you.   Wolves and the John the Baptist Revival Eve Brast - 04/27/2016 (David's notes in red) Wolves of all kinds wait to pick off the new believers in this revival before they can mature. Pray for them, brethren, and do spiritual warfare against the demonic enemies. This repentance revival must succeed, or a great curse will come upon this country. John the Baptist came in the spirit of Elijah, according to Jesus. (Mal.4:5) Behold, I will send you Elijah the prophet before the great and terrible day of Jehovah come. (6) And he shall turn the heart of the fathers to the children, and the heart of the children to their fathers; lest I come and smite the earth with a curse. Are these apostate leaders the children's fathers? No, the early Church fathers are their fathers. And the Man-child, Bride, and witnesses are their fathers. This revival will point them to these fathers. I dreamed I had just given birth to my son Elijah on top of a large white round table in the center of a cafeteria. My husband was standing to my right and holding my hand. (Her husband represents the Lord.) He was so happy and proud of his new son. We both knew the baby was very special. (I believe this represents the Bride birthing through prayer the John the Baptist revival, which precedes Jesus in the Man-child reformers.) Then, some cafeteria workers posing as hospital nursery employees came to take Elijah to the nursery and asked us if we wanted him circumcised. (Cafeteria workers are they who feed spiritual or, in this case not spiritual food. They are acting as though they are ordained to take care of this revival, to cut away the flesh, but it is they who are flesh. The false leaders always try to hijack any true revival trying to impose their unscriptural foolishness. We must do warfare against this.) My husband emphatically said, “No. That's not necessary anymore”. So they left the room with Elijah. I assumed they would take care of him. (We bind this leaven masquerading as Christianity from this repentance revival.) I then went and got in line with some other people to get a tray of food. The cafeteria workers all had disposable white hair nets. A young, tall, lanky guy and a short woman put various food items on my plate and handed me the tray. I saw that they had put shredded pork on my plate, and I said, “I'm not allowed to eat pork. My husband doesn't allow it”. (This is spiritual. Our Lord does not allow us to partake of their unclean fleshly nature, words, spirits and teachings. Like pigs, their god is their belly.) When my hand touched the tray, I had an open vision. I saw Elijah lying on the floor in pain in another room. The cafeteria workers who had posed as hospital nursery workers had circumcised him and botched the procedure in addition. They had also stuffed pork into his mouth and he was lying there half choked from it. (These apostate ministries cutting off what they call “flesh” from this revival. Their unscriptural, overindulgent lives prove they do not know what flesh is. Adding their pork as a type of their unclean demon doctrines to choke the revival.) When the vision ended, I was back over at the table where I had given birth to Elijah. I was telling my husband what they had done to him, and then the “nursery worker” came up with the dried foreskin in her hand. She had a strange necklace around her neck with many others hanging from it, and she placed Elijah's dried foreskin onto her necklace, too. It was like a bizarre trophy necklace or something. (The demons in the false revival people want to claim this revival as their own for selfish ambition.) My husband was so angry that they did this to his son. I hurried into the room where they had left him to suffer and choke to death. I quickly picked him up and performed the infant version of the Heimlich maneuver on him that I had learned in a CPR class that I took at the hospital. (They must not be cut off from the breath of the Spirit.) I took a white baby blanket and wrapped him up in it, and carried him out of that cafeteria building and walked with him on a white covered concrete walkway over to the large UBM warehouse next door. (Just as John said in (Joh.3:30) He must increase, but I must decrease. The John the Baptist revival will morph into the Man-child revival of the Unleavened Bread and signs and wonders. But for God's people to escape the judgments promised, there must be repentance. This revival must succeed.)   THE CONDITION FOR PROPHECY TO COME TO PASS OR NOT AND THE CURSE (Jer.18:1) The word which came to Jeremiah from Jehovah, saying, (2) Arise, and go down to the potter's house, and there I will cause thee to hear my words. (3) Then I went down to the potter's house, and, behold, he was making a work on the wheels. (4) And when the vessel that he made of the clay was marred in the hand of the potter, he made it again another vessel, as seemed good to the potter to make it. (5) Then the word of Jehovah came to me, saying, (6) O house of Israel, cannot I do with you as this potter? saith Jehovah. Behold, as the clay in the potter's hand, so are ye in my hand, O house of Israel. (This pot has to be handled roughly to get the clay back in a moldable form. This remolding of the clay historically has involved judgment until the clay is repentant.) (7) At what instant I shall speak concerning a nation, and concerning a kingdom, to pluck up and to break down and to destroy it; (8) if that nation, concerning which I have spoken, turn from their evil, I will repent of the evil that I thought to do unto them. (9) And at what instant I shall speak concerning a nation, and concerning a kingdom, to build and to plant it; (10) if they do that which is evil in my sight, that they obey not my voice, then I will repent of the good, wherewith I said I would benefit them. (11) Now therefore, speak to the men of Judah, and to the inhabitants of Jerusalem, saying, Thus saith Jehovah: Behold, I frame evil against you, and devise a device against you: return ye now every one from his evil way, and amend your ways and your doings. (12) But they say, It is in vain; for we will walk after our own devices, and we will do every one after the stubbornness of his evil heart.   Great Holy Spirit Revival & Escape Eve Brast - 05/04/2016 (David's notes in red) I dreamed I was in the spirit, floating right above the waters of the Red Sea. (This is after the Passover that brought death to the Egyptians and freedom to God's people just before the wilderness tribulation on the other side of the sea.) I was looking toward the bank on the shore, which was dark. (The way of escape from Pharaoh's army or martial law is not clear.) I saw a small tongue of fire come down out of heaven and alight on top of the waters. (The tongue of fire is the baptism of the Holy Spirit. (Act.2:3) And there appeared unto them tongues parting asunder, like as of fire; and it sat upon each one of them. (4) And they were all filled with the Holy Spirit, and began to speak with other tongues, as the Spirit gave them utterance. This individual tongue of fire is the anointed Man-child from Heaven. This is the Man-child revival that follows the John the Baptist revival. Like Moses they are to bring the people into and through the wilderness tribulation.) Suddenly, all the waters were set on fire and they parted with great force and power as if Moses himself had struck them with his staff! (Jesus in the Man-child by His Word and anointing will divide the sea and make a way of escape from Pharaoh's army and his FEMA camps, as Moses did. (Exo.14:16) And lift thou up thy rod, and stretch out thy hand over the sea, and divide it: and the children of Israel shall go into the midst of the sea on dry ground.) They became two flaming walls of fire, and between them, the tongue of fire landed on the dry seabed, and it lit up the shoreline. (The anointed Man-child made the way of escape clear when it looked impossible.) I could then see a set of 12 stone steps (representing the 12 tribes of New Testament Spiritual Israel) leading down from the top of the shoreline to the seabed. Then all these modern-day people from all the different denominations were lit up in the dark, and they began descending the steps to go across. A man who was also dressed in modern-day clothing was the first to descend and was at the head of them to go into the wilderness and on to the Promised Land. Then I woke up. (What would it take to unify all the true people of God to seek Him and spiritually leave Egypt, as a type of the world, and head toward the promises of the Promised Land? The John the Baptist repentance revival would have wised up many to the bondage of the Pharisees and Sadducees and their dead religion by then. Pharaoh had made slaves of the people of God, somewhat like our Pharaoh, and fierce judgments had fallen on the worldly at Passover. Could this be engineered economic collapse, earthquakes, volcanic activity, and martial law? The judgments on Egypt so the people can escape. I asked the Lord, “Will martial law come?” and got two heads for “yes”. I asked, “Can it be overturned by our faith?” and got two tails for “no”. And this was fulfilled for we are in it now. Pharaoh's army was about to bring them into bondage when God divided the Red Sea. At this point, they were unified by the baptism of the Holy Spirit. (1Co.10:1) For I would not, brethren, have you ignorant, that our fathers were all under the cloud, and all passed through the sea; (2) and were all baptized unto Moses in the cloud [baptism of the Holy Spirit] and in the sea [water baptism].) I asked the Lord, if we went the Trump route, would the earthquakes not come and He said, “No”. In other words, the quakes are coming. They are a sign of the coming Man-child reformers.   White Glove Inspection Sandy Shaw - 2/11/18 (David's notes in red) At the beginning of this dream, I am standing in front of an extraordinarily large white house. In real life, there is no way that you would see a house this large on Earth. (At this time, there are no people who this white house can represent but the Bride. Certainly not the larger Church. But the Bride's job is to bring this purity to the Church as did Jesus' early disciples.) The steps leading up to the door were made of gold. (The steps of Gold are the most valuable steps a person could take to go through the door who is Jesus.) But the top step had an adjoining white marble floor that ran throughout the whole house. There are two pillars that start where the gold ends. There were two double doors, bright white (Lampros garment of the Bride) made of a substance that I didn't know. (This entrance represents righteous acts Rev.19:8 And it was given unto her that she should array herself in fine linen, bright [Greek: Lampros] and pure: for the fine linen is the righteous acts of the saints. The gold plates around the door handles had an intricate design around the edges. The handles were of round crystal. I opened the doors and in front of me is a huge room. And I strained my eyes to see how far it goes. Then I looked to the left of me, and there were hundreds of doors to the rooms and the same on the right. I'm wearing a white robe with white gloves to the elbows. (The Bride cleaning her house, representing righteous Works) I went to the first door and went to the upper right-hand corner, and then went diagonally down to the left corner. I opened the door and went into the room and closed the door. And did it again on the opposite side. Then I opened the door. And then I inspected the walls. I took my finger and by my height, I slid it across to the corner. (The white glove inspection. If dirt comes up on the finger, there is unrighteousness in the house of the Bride.) Then, from the wall, I bent down to inspect the floor. It passed inspection, so I walked to the bed, bent down, and put my hand under the bed and then I stood up. Then I looked at the bed. (Representing the rest through faith) It was made up of white satin-like fabric. I can see my handprint from kneeling down, so I took my hands and smoothed out the wrinkle that I had made. (The Bride is the first of the Church to be without spot and wrinkle.) The three white pillows were soft and very inviting. Then I walked to the nightstand and gave it the white glove test. There was a beautiful crystal vase. In it were a dozen white roses all at the perfect stage of openness. (Fruit born through water of the Word – A present from the Groom. Rev. 22:1 And he showed me a river of water of life, bright as crystal, proceeding out of the throne of God and of the Lamb, The fragrance of them was throughout the whole room. Then I looked to see the amount of water in the vase. The only color in this dream was the stems. Then I walked to the window and pushed aside the curtain. The window was so clear that you couldn't see it. (Pure of sight) Then I took my finger and went from the upper right corner to go diagonally to the left. There were two windows in the room. They were open an inch each. A slight breeze was coming in. (Breath of the Holy Spirit) Now there was a coolness that blended with the warmness, and you felt it together to make a perfect temperature. I then checked the curtains, and then I walked to the door. I turned around to look at the room for the last time. I noticed that the curtains were barely moving with a slight breeze. Then I remembered to look up at the ceiling. There was no ceiling...just a beautiful deep blue. (Heavenly perspective. Son shining in.) I did this in all the rooms on the right and on the left. In the huge room, I ran my finger over the floor while walking to the kitchen. The kitchen has a white swivel door. Everything is still white. The first thing I saw was a row of ovens. (To bake the pure unleavened Bread of the Word and Body of the Bride.) I know that there are forty ovens. I walk over to give them the test. Then from there I went to the four vintage farmhouse sinks, and they passed inspection. Then I went to the four huge refrigerators, and I opened them. There was no food in them. (To be pure and white, you must have eaten the food of the bread and wine of the life of Jesus.) Inside was only a rectangular glass container that held water with a silver spigot. (Silver kills contaminants in Water. The Water of the Word must be clean of leaven.) All four refrigerators were the same. Then I did the floor test again. There was a door on the right side of the kitchen that went into a very small hall. This led into a big room. At the other end of the room was a huge chair that looked like it was made for a giant. A man was sitting in it with pure white hair and garment. (Rev.1:13 and in the midst of the candlesticks one like unto a son of man, clothed with a garment down to the foot, and girt about at the breasts with a golden girdle. 14 And his head and his hair were white as white wool, white as snow; and his eyes were as a flame of fire.) I walked slowly and said very softly, “Sir,” and he said, “Yes.” The inspection is done.” And he said, “OK.” Then I woke up. My feeling was one of total relief and acceptance from Him, and He was pleased. I received by faith at random this text for this dream: Finger was on vs 26, “he made.” Acts 17:24 The God that made the world and all things therein, he, being Lord of heaven and earth, dwelleth not in temples made with hands; 25 neither is he served by men's hands, as though he needed anything, seeing he himself giveth to all life, and breath, and all things; 26 and he made of one every nation of men to dwell on all the face of the earth, having determined their appointed seasons, and the bounds of their habitation; 27 that they should seek God, if haply they might feel after him and find him, though he is not far from each one of us: 28 for in him we live, and move, and have our being; as certain even of your own poets have said, For we are also his offspring. 29 Being then the offspring of God, we ought not to think that the Godhead is like unto gold, or silver, or stone, graven by art and device of man. 30 The times of ignorance therefore God overlooked; but now he commandeth men that they should all everywhere repent:   Worldwide Holy Spirit Outpouring  Samuel Paguaga - 09/21/2010 (David's notes in red) I think this dream tops all my spiritual dreams in its intensity and revelation. In it, I was in a small gathering of sorts. We were talking and then praying. A bit more had happened before that, but I think the point of this event is that none of what had happened before this mattered. All of a sudden, it was like when you step out of your home straight into the sun at noon. I was overwhelmed with light/energy, not as much as to blind the eyes, but more of a light/energy that penetrated to every cell and fiber of my body. I felt I was no longer physical or fleshly but a new being. As I looked straight forward in front of me, the physical world began to fade, but not because it was disappearing; it was because I began to perceive it in a new way, with new senses, and everything became almost transparent. I looked up and began to speak words in a new language. I was confessing something. Although I could not understand the words, I could feel them in my being. The words were energizing and vibrating my being, my frequency, my entity, my spirit. It was as if all of me became one: my spirit with my mind and my body. As I began to speak, my perception of my surroundings grew. I could feel, perceive, and see all those around me who were experiencing the same thing. First, the two people beside me; then, outwardly, the people in the place; then the whole block; then the city, and then the whole Earth. We, disciples of Christ, were all one and not because we perceived each other, but because we were confessing the same words and because the same flow of energy and power of the Holy Spirit was flowing through us. Although there was a worldwide outpouring, only the vessels of glory, the vessels of light, were filled to the seal. (This could be the first-fruits outpouring at the beginning of the tribulation.) I could feel the power and energy flowing through me, vibrating every part of my being. I spoke words and feelings became more and more intense, so much so that I could not even begin to describe them. I saw everything as white, yellowish, and orange lights, as if everything was transparent. I felt one with the source, at one with the words, and as one with everyone confessing these words. All these feelings of oneness occurred at three distinct levels. All of this along with a feeling of peace; it was as if this was a new nature, and I knew what it was. I experienced the whole thing even when I awoke. It seemed like I knew what was happening. I knew what the source was, what the energy and power was, and the meaning of the words. I woke up shortly afterward, possibly on the last word spoken, although in the dream it seemed like from that point on things would not be the same. As I awoke, I could almost feel the vibration of energy in my being as it dispersed into the normality of my awakened state. I always wondered, what does it mean to be one with God and His Christ and His Spirit ... and now I know. 

Join this channel to get access to perks such as Weekly Zoom Calls & Private Discord!! https://www.youtube.com/channel/UC4BqTVQA1pCwe9QaEPwD3MQ/join Free 30 Day Trial to Go2Lister https://www.go2lister.com/mike I help teach people how to make money selling books on Amazon, leveraging the platform's vast reach and the profitability of reselling used books. How to sell books on Amazon? Selling books on Amazon can be an excellent side hustle or a full-time endeavor, particularly if you enjoy thrifting through places like Goodwill for hidden treasures. How to start selling on Amazon is accessible, and with my guidance on how to sell books, DVDs, CDs, and other media, beginners can quickly learn the ropes. Utilizing Amazon FBA streamlines operations, allowing sellers to focus more on sourcing and less on logistics. As a reselling coach, I provide tutorials and guidance on navigating challenges like ungating and optimizing listings for maximum visibility and sales. Whether you're looking for a part-time side hustle or aiming to become a full-time reseller, I will teach you the ins and outs of thrifting books and selling books online and can pave the way to creating passive income streams and achieving business growth.

On this episode of Your Retirement Highway, Matthew Allgeyer and Kyle Jones kick things off with a relatable holiday confession—sometimes, even the best financial plans can get derailed by irresistible stuffing and family feasts. But that's just the beginning! As the conversation shifts gears, our hosts tackle one of the hottest topics on every retiree's mind: how to keep your hard-earned money safe when the market starts acting up.Curious about alternatives to bank CDs and worried about roller-coaster interest rates? Matthew and Kyle pull back the curtain on multi-year guarantee annuities (MYGAs), debunking myths and sharing strategies that could give your portfolio a little extra insulation when uncertainty hits. Whether you're approaching retirement or just want to stash some cash away from Wall Street's wild ride, tune in to find out why a well-timed detour could be the smartest move you make all year.Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

In this episode, Phil and Janelle talk about The 30 Day pop.vox.music Challenge, birthday gifts, vacation pants, hiking, animation, National Parks, CDs, Elio, Upside Down Room, Ann Lynn, and more.

Tunes: Jeremy Kingsbury: Saw ye a Lassie of Fifteen at the mines in Wicklow or Bath? From Humours of Toddy ArBo Doughty: Far Away/ The Moth in the Lantern, Green Fields of Canada and Paddy's Rambles Through the Park from fahy's fields Nicholas Brown: Master, I Go Hunting - Shaving Baby With a Spoon - Sky Blue Dress (Hop Jigs) from Not so Good As The Flute Dave Rowlands: Cotting Burn from Musica ex alia terra Brendan Taaffe & Maurice Manning: Spin All the Stars, Grace it Falls from The Bucolics Project Muco: Wið ymbe (a beekeeper's charm) from Soþlice, Bryd One Brere from Summer Crossing and Frankie Archer: In Brunton Town from Sing Yonder 2 Mike MacNintch: The Keelman O'er the Land/Jenny Nettles/Drops of Brandy from The Chanter's Song Ian Lawther: Meggy's Foot from The Empty Trough Donald WG Lindsay & Alisdair Roberts: Wheels of Fortune, Jock Hawk's Adventures in Glasgow from Welcome Home My Dearie Matthew Welch: Lessons in Dragonease Six (Glass Dragons) from Dragon Fire Raflum | 雨鎖悲秋: Sunset Glow, Secluded Vale from Melodies of Forest and Springs 林泉吟 Sean Reidy: The Arduous Wait from Tunes for the Soul Landless: The Grey Selkie of Sule Skerry, The Hag from Lúireach Topette!!: JLP, Winstanley's/Les Trois Canards from Bourdon Marit and Rona: Kilmartin Glen Campsite from Turas +X+X+ Jeremy Kingsbury: Saw ye a Lassie of Fifteen at the mines in Wicklow or Bath? From Humours of Toddy https://jeremykingsbury.bandcamp.com/album/humours-of-toddy +X+X+ ArBo Doughty: Far Away/ The Moth in the Lantern, Green Fields of Canada and Paddy's Rambles Through the Park from fahy's fields https://arbodoughty.bandcamp.com/album/fahys-fields +X+X+ Nicholas Brown: Master, I Go Hunting - Shaving Baby With a Spoon - Sky Blue Dress (Hop Jigs) from Not so Good As The Flute https://nicolasbrown.bandcamp.com/album/not-so-good-as-the-flute +X+X+ Dave Rowlands: Cotting Burn from Musica ex alia terra https://daverowlandsbagpipes.bandcamp.com/album/musica-ex-alia-terra +X+X+ Brendan Taaffe & Maurice Manning: Spin All the Stars, Grace it Falls from The Bucolics Project https://brendantaaffe.bandcamp.com/album/the-bucolics-project +X+X+ Muco: Wið ymbe (a beekeeper's charm) from Soþlice https://muco.bandcamp.com/album/so-lice +X+ Bryd One Brere From Summer Crossing: https://muco.bandcamp.com/track/bryd-one-brere +X+ In Praise of Mary From Tiktok https://www.tiktok.com/@muco0/video/7558402271311121686?r=1&_t=ZP-91vvH6vnmYR +X+X+ Frankie Archer: In Brunton Town from Sing Yonder 2 https://karlsinfield.bandcamp.com/album/sing-yonder-2 +X+X+ Mike MacNintch: The Keelman O'er the Land/Jenny Nettles/Drops of Brandy from The Chanter's Song https://mikemacnintch.bandcamp.com/album/the-chanters-song +X+X+ Ian Lawther: Meggy's Foot from The Empty Trough https://ianlawther.bandcamp.com/album/the-empty-trough +X+X+ Donald WG Lindsay & Alisdair Roberts: Wheels of Fortune, Jock Hawk's Adventures in Glasgow from Welcome Home My Dearie https://donaldwglindsay.bandcamp.com/album/welcome-home-my-dearie +X+X+ Matthew Welch: Lessons in Dragonease Six (Glass Dragons) from Dragon Fire https://kotekanrecordslabel.bandcamp.com/album/dragon-fire +X+X+ Raflum | 雨鎖悲秋: Sunset Glow, Secluded Vale from Melodies of Forest and Springs 林泉吟 https://raflum.bandcamp.com/album/melodies-of-forest-and-springs +X+X+ Sean Reidy: The Arduous Wait from Tunes for the Soul https://seanpatrickreidy.bandcamp.com/album/tunes-for-the-soul +X+X+ Landless: The Grey Selkie of Sule Skerry, The Hag from Lúireach https://landless.bandcamp.com/album/l-ireach +X+X+ Topette!!: JLP, Winstanley's/Les Trois Canards from Bourdon https://topette.bandcamp.com/album/bourdon +X+X+ Marit and Rona: Kilmartin Glen Campsite from Turas https://maritandrona.bandcamp.com/album/turas +X+X+X+ FIN Here are some ways you can support the show: You can support the Podcast by joining the Patreon page at https://www.patreon.com/wetootwaag You can also take a minute to leave a review of the podcast if you listen on Itunes! Tell your piping and history friends about the podcast! Checkout my Merch Store on Bagpipeswag: https://www.bagpipeswag.com/wetootwaag You can also support me by Buying my Albums on Bandcamp: https://jeremykingsbury.bandcamp.com/ You can now buy physical CDs of my albums using this Kunaki link: https://kunaki.com/msales.asp?PublisherId=166528&pp=1 You can just send me an email at wetootwaag@gmail.com letting me know what you thought of the episode! Listener mail keeps me going! Finally I have some other support options here: https://www.wetootwaag.com/support Thanks! Listen on Itunes/Apple Podcasts: https://podcasts.apple.com/us/podcast/wetootwaags-bagpipe-and-history-podcast/id129776677 Listen on Spotify: https://open.spotify.com/show/5QxzqrSm0pu6v8y8pLsv5j?si=QLiG0L1pT1eu7B5_FDmgGA

Allen and Joel sit down with Dan Fesenmeyer of Windquest Advisors to discuss turbine supply agreement fundamentals, negotiation leverage, and how tariff uncertainty is reshaping contract terms. Dan also explains why operators should maximize warranty claims before service agreements take over. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining Light on Wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Allen Hall: Dan, welcome to the program. Great to be here. Thanks for having me, guys. Well, we’ve been looking forward to this for several weeks now because. We’re trying to learn some of the ins and outs of turbine supply agreements, FSAs, because everybody’s talking about them now. Uh, and there’s a lot of assets being exchanged. A lot of turbine farms up for sale. A lot of acquisitions on the other side, on the investment side coming in and. As engineers, we don’t deal a lot with TSAs. It’s just not something that we typically see until, unless there’s a huge problem and then we sort of get involved a little bit. I wanna understand, first off, and you have a a ton of experience doing this, that’s why we [00:01:00] love having you. What are some of the fundamentals of turbine supply agreements? Like what? What is their function? How do they operate? Because I think a lot of engineers and technicians don’t understand the basic fundamentals of these TSAs. Dan Fesenmeyer: The TSA is a turbine supply agreement and it’s for the purchase and delivery of the wind turbines for your wind farm. Um, typically they are negotiated maybe over a 12 ish month period and typically they’re signed at least 12 months before you need, or you want your deliveries for the wind turbines. Joel Saxum: We talk with people all over the world. Um, you know, GE Americas is different than GE in Spain and GE in Australia and Nordics here, and everybody’s a little bit different. Um, but what we, we regularly see, and this is always an odd thing to me, is you talked about like negotiating. It starts 12 months ahead of time stuff, but we see that [00:02:00] the agreements a lot of times are very boilerplate. They’re very much like we’re trying to structure this in a certain way, and at the end of the day, well, as from an operator standpoint, from the the person buying them, we would like this and we would like this and we would like this, but at the end of the day, they don’t really seem to get that much negotiation in ’em. It’s kind of like, this is what the agreement you’re gonna take and this is how we sell them. That’s it. Is, is that your experience? I mean, you’re at GE for a long time, one of the leading OEMs, but is that what you’re seeing now or is there a little bit more flexibility or kind of what’s your take on that? Dan Fesenmeyer: I think generally it depends, and of course the, the OEMs in the, and I’ll focus more on the us, they’ll start with their standard template and it’s up to the purchaser, uh, to develop what they want as their wishlist and start negotiations and do their, let’s say, markup. So, uh, and then there’s a bit of leverage involved. If you’re buying two units, it’s hard to get a lot of interest. [00:03:00] If you’re buying 200 units, then you have a lot more leverage, uh, to negotiate terms and conditions in those agreements. I was with GE for 12 years on the sales and commercial side and now doing advisory services for four years. Uh, some of these negotiations can go for a long time and can get very, very red. Others can go pretty quick. It really depends on what your priorities are. How hard you want to push for what you need. Allen Hall: So how much detail goes into a TSA then are, are they getting very prescriptive, the operators coming with a, a list of things they would like to see? Or is it more negotiating on the price side and the delivery time and the specifics of the turbine? Dan Fesenmeyer: Generally speaking, you start kind of with the proposal stage and. First thing I always tell people is, let’s understand what you have in your proposal. Let’s understand, you know, what are the delivery [00:04:00] rates and times and does that fit with your project? Does the price work with respect to your PPA, what does it say about tariffs? That’s a huge one right now. Where is the risk going to land? What’s in, what’s out? Um. Is the price firm or is there indexation, whether it’s tied to commodities or different currencies. So in my view, there’s some pre-negotiations or at least really understanding what the offer is before you start getting into red lines and, and generally it’s good to sit down with the purchasing team and then ultimately with the OEM and walk through that proposal. Make sure you have everything you need. Make sure you understand what’s included, what’s not. Scope of supply is also a big one. Um, less in less in terms of the turbine itself, but more about the options, like does it have the control features you need for Ercot, for example. Uh, does it have leading [00:05:00]edge protection on your blades? Does it have low noise trailing edge? Do we even need lo low noise trailing edges? Uh, you know, those Joel Saxum: sorts Dan Fesenmeyer: of things. Joel Saxum: Do you see the more of the red lining in the commercial phase or like the technical phase? Because, and why I ask this question is when we talk, ’cause we’re regularly in the o and m world, right? Talking with engineers and asset managers, how do you manage your assets? And they really complain a lot that a lot of their input in that, that feedback loop from operations doesn’t make it to the developers when they’re signing TSAs. Um, so that’s a big complaint of theirs. And so my question is like, kind of like. All right. Are there wishes being heard or is it more general on the technical side and more focused on the commercial Dan Fesenmeyer: side? Where do you see that it comes down to making sure that your negotiation team has all the different voices and constituents at the table? Uh, my approach and our, our team’s approach is you have the legal piece, a technical piece, and we’re in between. We’re [00:06:00] the commercial piece. So when you’re talking TSAs, we’re talking price delivery terms. Determination, warranty, you know, kind of the, the big ticket items, liquidated damages, contract caps, all those big ticket commercial items. When you move over to the operations agreement, which generally gets negotiated at the same time or immediately after, I recommend doing them at the same time because you have more leverage and you wanna make sure terms go from TSA. They look the same in the. Services agreement. And that’s where it’s really important to have your operations people involved. Right? And, and we all learn by mistakes. So people that have operated assets for a long time, they always have their list of five or 10 things that they want in their o and m agreement. And, um, from a process standpoint, before we get into red lines, we usually do kind of a high [00:07:00] level walkthrough of here’s what we think is important. Um. For the TSA and for the SMA or the operations and maintenance agreement, let’s get on the same page as a team on what’s important, what’s our priority, and what do we want to see as the outcome. Allen Hall: And the weird thing right now is the tariffs in the United States that they are a hundred percent, 200%, then they’re 10%. They are bouncing. Like a pinball or a pong ping pong ball at the moment. How are you writing in adjustments for tariffs right now? Because some of the components may enter the country when there’s a tariff or the park the same park enter a week later and not be under that tariff. How does that even get written into a contract right now? Dan Fesenmeyer: Well, that’s a fluid, it’s a fluid environment with terrorists obviously, and. It seems, and I’ll speak mostly from the two large OEMs in the US market. Um, [00:08:00] basically what you’re seeing is you have a proposal and tariffs, it includes a tariff adder based on tariffs as in as they were in effect in August. And each one may have a different date. And this is fairly recent, right? So as of August, here’s what the dates, you know, here’s a tariff table with the different countries and the amounts. Here’s what it translates into a dollar amount. And it’ll also say, well, what we’re going to do is when, uh, these units ship, or they’re delivered X works, that’s when we come back and say, here’s what the tariffs are now. And that difference is on the developer or the purchaser typically. Allen Hall: So at the end of the day. The OEM is not going to eat all the tariffs. They’re gonna pass that on. It’s just basically a price increase at the end. So the, are the, are the buyers of turbines then [00:09:00] really conscious of where components are coming from to try to minimize those tariffs? Dan Fesenmeyer: That’s Allen Hall: difficult. Dan Fesenmeyer: I mean, I would say that’s the starting point of the negotiation. Um, I’ve seen things go different ways depending on, you know, if an off, if a developer can pass through their tariffs to the, on their PPA. They can handle more. If they can’t, then they may come back and say, you know what, we can only handle this much tariff risk or amount in our, in our PPA. The rest we need to figure out a way to share between the OEM or maybe and the developer. Uh, so let’s not assume, you know, not one, one size doesn’t fit all. Joel Saxum: The scary thing there is it sound, it sounds like you’re, like, as a developer when you’re signing a TSA, you’re almost signing a pro forma invoice. Right. That that could, that could go up 25% depending on the, the mood on, in Capitol Hill that day, which is, it’s a scary thought and I, I would think in my mind, hard to really get to [00:10:00] FID with that hanging over your head. Dan Fesenmeyer: Yeah. It it’s a tough situation right now for sure. Yeah. And, and we haven’t really seen what section 2 32, which is another round of potential tariffs out there, and I think that’s what. At least in the last month or two. People are comfortable with what tariffs are currently, but there’s this risk of section 2 32, uh, and who’s going to take that risk Allen Hall: moving forward? Because the 2 32 risk is, is not set in stone as when it will apply yet or if it even Dan Fesenmeyer: will happen and the amount, right. So three ifs, three big ifs there, Alan. Allen Hall: Yeah. And I, maybe that’s designed on purpose to be that way because it does seem. A little bit of chaos in the system will slow down wind and solar development. That’s one way you do. We just have a, a tariff. It’s sort of a tariff that just hangs out there forever. And you, are there ways to avoid that? Is it just getting the contract in [00:11:00] place ahead of time that you can avoid like the 2 32 thing or is it just luck of the draw right now? It’s always Dan Fesenmeyer: up to the situation and what your project delivery. Is looking at what your PPA, what can go in, what can go out. Um, it’s tough to avoid because the OEMs certainly don’t want to take that risk. And, uh, and I don’t blame them. Uh, and separately you were asking about, well, gee, do you start worrying about where your components are sourced from? Of course you are. However, you’re going to see that in the price and in the tariff table. Uh, typically. I would say from that may impact your, your, uh, sort of which, which OEM or which manufacturer you go with, depending on where their supply chain is. Although frankly, a lot of components come from China. Plain and simple, Allen Hall: right? Dan Fesenmeyer: Same place. If you are [00:12:00] subject to these tariffs, then you want to be more on a, you know, what I would say a fleet wide basis. So, uh, meaning. Blades can come from two places. We don’t want to have, you know, an OEM select place number one because it’s subject to tariff and we have to pay for it. You want it more on a fleet basis, so you’re not, so the OEM’s not necessarily picking and choosing who gets covered or who has to pay for a tariff or not. Joel Saxum: And I wonder that, going back to your first statement there, like if you have the power, the leverage, if you can influence that, right? Like. Immediately. My mind goes to, of course, like one of the big operators that has like 10, 12, 15,000 turbines and deals exclusively with ge. They probably have a lot of, they might have the, the stroke to be able to say, no, we want our components to come from here. We want our blades to come from TPI Mexico, or whatever it may be, because we don’t want to make sure they’re coming from overseas. And, and, and if that happens in, in [00:13:00] the, let’s take like the market as a whole, the macro environment. If you’re not that big player. You kind of get the shaft, like you, you would get the leftovers basically. Dan Fesenmeyer: You could, and that makes for a very interesting discussion when you’re negotiating the contract and, and figuring out something that could work for both. It also gets tricky with, you know, there could be maybe three different gearbox suppliers, right? And some of those. So this is when things really get, you know, peeling back an onion level. It’s difficult and I’ll be nice to the OEMs. It’s very tough for them to say, oh, we’re only a source these gearbox, because they avoid the tariffs. Right? That’s why I get more to this fleet cost basis, which I think is a fair way for both sides to, to handle the the issue. Allen Hall: What’s a turbine backlog right now? If I sign a TSA today, what’s the earliest I would see a turbine? Delivered. Dan Fesenmeyer: You know, I, I really don’t know the answer to that. I would say [00:14:00] generally speaking, it would be 12 months is generally the response you would get. Uh, in terms of if I sign today, we get delivery in 12 months, Allen Hall: anywhere less than two years, I think is a really short turnaround period. Because if you’re going for a, uh, gas turbine, you know, something that GE or Siemens would provide, Mitsubishi would provide. You’re talking about. Five or six years out before we ever see that turbine on site. But wind turbines are a year, maybe two years out. That seems like a no brainer for a lot of operators. Dan Fesenmeyer: I would say a year to two is safe. Um, my experience has been things, things really get serious 12 months out. It’s hard to get something quicker. Um, that suppliers would like to sign something two years in advance, but somewhere in between the 12 months and 24 months is generally what you can expect. Now, I haven’t seen and been close to a lot of recent turbine supply [00:15:00]deals and, and with delivery, so I, I, I can’t quote me on any of this. And obviously different safe harbor, PTC, windows are going to be more and more important. 20 eights preferred over 29. 29 will be preferred over 30. Um, and how quick can you act and how quick can you get in line? Allen Hall: Yeah, it’s gonna make a big difference. There’s gonna be a rush to the end. Wouldn’t you think? There’s must be operators putting in orders just because of the end of the IRA bill to try to get some production tax credits or any tax credits out of it. Dan Fesenmeyer: Absolutely. And you know. June of 2028 is a hell of a lot better than fall of 2028 if you want a COD in 2 28. Right. And then you just work backwards from there. Yeah. And that’s, that’s, we’ve seen that in the past as well, uh, with, with the different PTC cliffs that we’ve [00:16:00] seen. Allen Hall: Let’s talk service agreements for a moment when after you have a TSA signed and. The next thing on the list usually is a service agreement, and there are some OEMs that are really hard pushing their service agreements. 25, 30, 35 years. Joel, I think 35 is the longest one I have seen. That’s a long time. Joel Saxum: Mostly in the Nordics though. We’ve seen like see like, uh, there are Vestas in the Nordic countries. We’ve seen some 35 year ones, but that’s, to me, that’s. That’s crazy. That’s, that’s a marriage. 35 years. The crazy thing is, is some of them are with mo models that we know have issues. Right? That’s the one that’s always crazy to me when I watch and, and so then maybe this is a service, maybe this is a com a question is in a service level agreement, like I, I, I know people that are installing specific turbines that we’ve been staring at for five, six years that we know have problems now. They’ve addressed a lot of the problems and different components, bearings and drive, train and [00:17:00] blades and all these different things. Um, but as an, as an operator, you’d think that you have, okay, I have my turbine supply agreement, so there’s some warranty stuff in there that’s protecting me. There is definitely some serial defect clauses that are protecting me. Now I have a service level agreement or a service agreement that we’re signing that should protect me for from some more things. So I’m reducing my risk a little more. I also have insurance and stuff in built into this whole thing. But when, when you start crossing that gap between. These three, four different types of contracts, how do people ensure that when they get to that service level contract, that’s kind of in my mind, the last level of protection from the OEM. How do they make sure they don’t end up in a, uh, a really weird Swiss cheese moment where something fell through the cracks, serial defects, or something like that? You know? Dan Fesenmeyer: Yeah. It, it comes down to, I, I think it’s good to negotiate both at the same time. Um, it sometimes that’s not practical. It’s good. And [00:18:00] part of it is the, the simple, once your TSA is signed, you, you don’t have that leverage over that seller to negotiate terms in the services agreement, right? Because you’ve already signed a t to supply agreement. Uh, the other piece I think is really important is making sure the defect language, for example, and the warranty language in the TSA. Pretty much gets pulled over into the service agreement, so we don’t have different definitions of what a defect is or a failed part, uh, that’s important from an execution standpoint. My view has always been in the TSA, do as much on a warranty claim as you possibly can at that end of the warranty term. The caps and the coverages. And the warranty is much higher than under the services agreement. Services agreement [00:19:00] will end up, you know, warranty or extended warranty brackets, right? ’cause that’s not what it is. It becomes unscheduled maintenance or unplanned maintenance. So you do have that coverage, but then you’re subject to, potentially subject to CAPS or mews, annual or per event. Um. Maybe the standard of a defect is different. Again, that’s why it’s important to keep defect in the TSAs the same as an SMA, and do your warranty claim first. Get as much fixed under the warranty before you get into that service contract. Joel Saxum: So with Windquest, do you go, do you regularly engage at that as farms are coming up to that warranty period? Do you help people with that process as well? As far as end of warranty claims? Contract review and those things before they get into that next phase, you know, at the end of that two year or three years. Dan Fesenmeyer: Yeah. We try to be soup to nuts, meaning we’re there from the proposal to helping [00:20:00] negotiate and close the supply agreement and the services agreement. Then once you move into the services agreement or into the operation period, we can help out with, uh, filing warranty claims. Right. Do we, do you have a serial defect, for example, or. That, that’s usually a big one. Do you have something that gets to that level to at least start that process with an root cause analysis? Um, that’s, that’s obviously big ones, so we help with warranty claims and then if things aren’t getting fixed on time or if you’re in a service agreement and you’re unhappy, we try to step in and help out with, uh, that process as well. Joel Saxum: In taking on those projects, what is your most common component that you deal with for seald? Defects, Dan Fesenmeyer: gearboxes seem to always be a problem. Um, more recently, blade issues, um, main bearing issues. Uh, those are [00:21:00] some of the bigger ones. And then, yeah, and we can be main bearings. Also. Pitch bearings often an issue as well. Joel Saxum: Yeah, no, nothing surprising there. I think if you, if you listen to the podcast at all, you’ve heard us talk about all of those components. Fairly regularly. We’re not, we’re not to lightening the world on firing new information on that one. Allen Hall: Do a lot of operators and developers miss out on that end of warranty period? It does sound like when we talk to them like they know it’s coming, but they haven’t necessarily prepared to have the data and the information ready to go till they can file anything with the OEM it. It’s like they haven’t, they know it’s approaching, right? It’s just, it’s just like, um, you know, tax day is coming, you know, April 15th, you’re gonna write a check for to somebody, but you’re not gonna start thinking about it until April 14th. And that’s the wrong approach. And are you getting more because things are getting tighter? Are you getting more requests to look at that and to help? Operators and developers engage that part of their agreements. I think it’s an Dan Fesenmeyer: [00:22:00] oppor opportunity area for owner operators. I think in the past, a lot of folks have just thought, oh, well, you know, the, the, the service agreement kicks in and it’ll be covered under unscheduled or unplanned maintenance, which is true. But, uh, again, response time might be slower. You might be subject to caps, or in the very least, an overall contract level. Cap or limitation, let’s say. Uh, so I, I do think it’s an opportunity area. And then similarly, when you’re negotiating these upfront to put in language that, well, I don’t wanna say too much, but you wanna make sure, Hey, if I, if I file a claim during warranty and you don’t fix it, that doesn’t count against, let’s say your unplanned cap or unplanned maintenance. Joel Saxum: That’s a good point. I was actually, Alan, this is, I was surprised the other day. You and I were on a call with someone and they had mentioned that they were coming up on end of warranty and they were just kinda like, eh, [00:23:00] we’ve got a service agreement, so like we’re not gonna do anything about it. And I was like, really? Like that day? Like, yeah, that deadline’s passed, or it’s like too close. It wasn’t even passed. It was like, it’s coming up and a month or two. And they’re like, yeah, it’s too close. We’re not gonna do anything about it. We’ll just kind of deal with it as it comes. And I was thinking, man, that’s a weird way to. To manage a, you know, a wind farm that’s worth 300 million bucks. Dan Fesenmeyer: And then the other thing is sometimes, uh, the dates are based on individual turbine CDs. So your farm may have a December 31 COD, but some of the units may have an October, uh, date. Yeah, we heard a weird one the other day that was Joel Saxum: like the entire wind farm warranty period started when the first turbine in the wind farm was COD. And so there was some turbines that had only been running for a year and a half and they were at the end of warranty already. Someone didn’t do their due diligence on that contract. They should have called Dan Meyer. Dan Fesenmeyer: And thing is, I come back is when you know red lines are full of things that people learned [00:24:00] by something going wrong or by something they missed. And that’s a great example of, oh yeah, we missed that when we signed this contract. Joel Saxum: That’s one of the reasons why Alan and I, a lot, a lot of people we talk to, it’s like consult the SMEs in the space, right? You’re, you may be at tasked with being a do it all person and you may be really good at that, but someone that deals in these contracts every day and has 20 years of experience in it, that’s the person you talk to. Just like you may be able to figure out some things, enlight. Call Allen. The guy’s been doing lightning his whole career as a subject matter expert, or call a, you know, a on our team and the podcast team is the blade expert or like some of the people we have on our network. Like if you’re going to dive into this thing, like just consult, even if it’s a, a small part of a contract, give someone a day to look through your contract real quick just to make sure that you’re not missing anything. ’cause the insights from SMEs are. Priceless. Really. Dan Fesenmeyer: I couldn’t agree more. And that’s kind of how I got the idea of starting Windquest advisors to begin with. [00:25:00] Um, I used to sit across the table with very smart people, but GE would con, you know, we would negotiate a hundred contracts a year. The purchaser made one or two. And again, this isn’t, you know, to beat up the manufacturers, right? They do a good job. They, they really work with their, their customers to. Find solutions that work for both. So this is not a beat up the OEM, uh, from my perspective, but having another set of eyes and experience can help a lot. Allen Hall: I think it’s really important that anybody listening to this podcast understand how much risk they’re taking on and that they do need help, and that’s what Windquest Advisors is all about. And getting ahold of Dan. Dan, how do people get ahold of you? www.win advisors.com. If you need to get it to Dan or reach out to win advisors, check out LinkedIn, go to the website, learn more about it. Give Dan a phone call because I think [00:26:00] you’re missing out probably on millions of dollars of opportunity that probably didn’t even know existed. Uh, so it’s, it’s a good contact and a good resource. And Dan, thank you so much for being on the podcast. We appreciate having you and. We’d like to have you back again. Dan Fesenmeyer: Well, I’d love to come back and talk about, maybe we can talk more about Lightning. That’s a Joel Saxum: couple of episodes. Dan Fesenmeyer: I like watching your podcast. I always find them. Informative and also casual. It’s like you can sit and listen to a discussion and, and pick up a few things, so please continue doing what you’re doing well, thanks Dan. Allen Hall: Thanks Dan.

This week on The Underground Lounge, Lou and Spank sit down with the legendary Deon Cole for a conversation that's equal parts hilarious, insightful, and absolutely unpredictable. From the moment he steps into the Lounge, Deon brings that unmistakable Chicago energy and a lifetime of stories from the road, including his early days grinding in the Chicago comedy scene, rocking Timbs on stages that demanded suits, and literally changing the culture just by showing up as himself.Deon opens up about discovering stand-up almost by accident, the moment he realized comedy was his purpose, and the unforgettable Def Jam tour experience that pushed him to level up his writing and craft. He breaks down how embracing silence became his comedic superpower, the origins of his iconic notebook on stage, and why he sometimes enjoys bombing on purpose just to keep audiences honest.Lou and Spank dig into Deon's wild journey from the clubs to becoming one of the most respected writers in the game, from helping craft Ricky Smiley's classic prank call CDs, to joining Comic View, to eventually making history as the first Black writer on Late Night with Conan O'Brien. Deon shares behind-the-scenes stories from the writers' room, how one unexpected bit turned into Emmy nominations, and the moment he almost quit the show before everything changed overnight.The conversation goes even deeper as Deon talks about landing Angie Tribeca, becoming “Charlie” on Black-ish (a role originally written for Charlie Murphy), and navigating Hollywood in a way that's stayed authentic to who he is. Along the way, the guys swap stories about clubs, cities, strip lounges, and why Chicago produces some of the funniest comedians in the world.This episode is packed with gems for comedy fans, creators, and anyone who appreciates a raw, unfiltered look at the grind behind the glow-up. Deon's honesty, humor, and perspective shine from start to finish, making this one of the most entertaining and inspiring sit-downs ever in the Underground Lounge.Tune in now and enjoy the ride.

Send us a textIn this Episode, Josh and Lara discussed upcoming powerlifting events, including the Arnold Classic and various competitions in Georgia, while analyzing participation numbers and challenges facing equipped divisions. They explored ethical considerations around lift protests and referee decisions, with Josh sharing experiences about addressing unfair calls and maintaining competition integrity. The conversation concluded with a discussion about Josh's mixtape from high school, including song selections and future plans for additional CDs.Support the show Follow/Direct Message us @PLBalladsPodcast on Instagram & Facebook Email us at PLBalladsPodcast@gmail.com More Information about the Podcast: https://solo.to/plballadspodcast Get the Team Rohr Training App! (Use discount code "PLBALLADSPODCAST") for the best in Powerlifting Programming The Powerlifting & Power Ballads Podcast is co-hosted by Josh Rohr and Lara Sturm and sponsored by Team Rohr Powerlifting - for all of your powerlifting coaching and meet day handling needs. The podcast covers Georgia Powerlifting information as well as National Powerlifting news. One of our more popular segments is music, specifically 80's music and Power Ballads.

Through cosmic communication, learn how these mysterious beings may hold the key to our spiritual evolution.UFOs and the Extra-terrestrial Message reveals how UFOs are much more than strange shapes in the sky; they may be part of a multi-dimensional universe, which has become a common concept in everything from quantum physics to sci-fi blockbusters. String theory, hyperspace and dark matter have led physicists to realise that the three dimensions we thought described the universe aren't enough – there may actually be numerous dimensions. As this possibility evolves, the real prospect of meeting our extra-terrestrial neighbours emerges. From ancient texts to little-known eyewitness accounts, Richard explores the evidence of extraterrestrial life. He also looks at X-file exposés, fascinating personal experiences of alien contact, channelled messages from cosmic beings – and shows how these messages hold the key to our spiritual advancement and even to world peace.BioDescribed by Kindred Spirit magazine as one “one of the biggest talents in MBS”, Richard is an award-winning, international bestselling author on spirituality, and one of the foremost Disciples of Master of Yoga Dr George King.Richard's books, DVDs and CDs have been sold in many countries – translations have included Dutch, French, German, Italian, Portuguese, Spanish, Russian, Japanese and Estonian.He has taken part in hundreds of radio shows around the world including several appearances on Coast to Coast AM, which broadcasts to 475 radio shows throughout the USA. He regularly appeared as a co-host on Mike Allen's weekly show on LBC called The Phenomena Files.His TV appearances include GMTV on topics ranging from UFOs to angels, psychic powers and complementary medicine. He has also appeared on TV with Esther Rantzen, Eammon Holmes, Gloria Hunniford, Terry Wogan, Noel Edmonds and James Whale, and a host of documentaries and magazine programmes on all the terrestrial and many of the satellite channels.In addition to having had a column in The Observer, he has written for the Daily Express, Daily Mail, The Sun, Woman's World, Here's Health, Health and Fitness, the USA's Whole Life Times and Phenome-News, New Zealand's Lifestyle magazine and many other journals. He has appeared in most of Britain's national newspapers, and many magazines and local papers.As well as in the UK, he has lectured in the USA, Canada, New Zealand, Australia, Belgium, Italy, Switzerland and Nigeria, and for over 30 years, has been a keynote speaker at London's largest and most prestigious Mind Body Spirit Festival. He has spoken internationally at various venues including churches, synagogues, Buddhist temples, schools, universities, business conventions, charitable meetings and numerous conventions and bookstores, as well as to an audience of thousands at an open-air pop concert.Richard is the Executive Secretary of The Aetherius Society for Europe and a Bishop in The Aetherius Churches. He has devoted his life to the work of his late master and personal friend, Dr George King (1919-1997), who founded the Society.https://www.aetherius.org/https://www.amazon.com/dp/B00J75NB5K https://www.pastliveshypnosis.co.uk/https://www.patreon.com/alienufopodcastMy book 'Verified Near Death Exeriences' https://www.amazon.com/dp/B0DXKRGDFP Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

 "Is it ever really possible to recapture the magic of your past, or do we risk disappointment every time we try?" That's the question at the heart of this episode of The JB and Sandy Show, where nostalgia, pop culture, and Austin's holiday chaos collide in a whirlwind of laughter and real talk. Join JB, Sandy, and Tricia as they kick things off with a binge-worthy breakdown of the new Stranger Things season—complete with media blackouts, nosebleed confessions, and a crash course for anyone who's never ventured into the Upside Down. Tricia's family tradition of watching the show with her daughter Landry sparks a hilarious and heartfelt discussion about generational fandom, spoilers, and the lengths we'll go to avoid them. The nostalgia trip continues as the crew recounts a Thanksgiving pilgrimage to Omaha's Old Market, where childhood memories meet reality in a sandwich shop that's seen better days. From lopsided Rice Krispie treats to the heartbreak of a favorite record store jingle, the team explores why some memories are best left untouched—and why others are worth every penny, even if it's just for a grab bag of surprise CDs. As the holidays descend on Austin, Tricia and JB serve up a festive guide to the city's best (and quirkiest) seasonal events, from the legendary Trail of Lights to the ever-growing spectacle at Mozart's. The conversation is peppered with pro tips (“Take an Uber!”), debates about the best key lime pie, and the annual ritual of dragging out Christmas decorations—sometimes with more enthusiasm than others. Amid the holiday cheer, the show doesn't shy away from sports drama, dissecting the Longhorns' big win, playoff strategies, and the emotional rollercoaster of college football. With memorable lines like, “If you ever want to wish ill will on someone, just wish them nosebleeds at any given time,” and, “Don't ever try to recapture your past,” this episode is a rollercoaster of humor, nostalgia, and Austin flavor.Notable Quotes & Memorable Moments“Season five is the best season. She was in a media blackout until she watched all four of them.”“If you ever want to wish ill will on someone, just wish them nosebleeds at any given time.”“Don't ever try to recapture your past.”“Landry bought a Radiohead record. I rolled my eyes—Radiohead fans are just the ‘you don't get it' crowd.”“You cannot throw a rock and not find something holiday to do in or around Austin this time of year.”“Take an Uber there, by the way. Don't try to park.”Call-to-Action Love the show? Don't miss an episode—subscribe, leave us a review, and share this episode with your friends! Your support helps us keep the stories, laughs, and Austin adventures coming. 

In today's episode, I'm continuing what I started in episode 536 - where I wanted to turn a Rocketeer figurine that I found on eBay in to an articulated action figure.  But in the episode, the silicone I had gotten turned out to be bad, so I had to get some more in order to make a mold.  In the past two weeks, I bought a new kind of silicone (Smooth On Mold Star 30) as well as a new kind of resin to try (Smooth Cast 57D).  I was successful in making molds of the parts of the figurine.  It wasn't the most efficient use of silicone, I will say, since I probably could have found containers that were a bit smaller and wasted less, but if I don't use these molds in the future, I'll chop them up and use them as filler when making future molds.  Here are the two pieces:This is the lower body mold.This mess is the upper body mold; you may be able to see both sides of the figurine in relief on ether side.This is what it looks like when you are taking the casting out.  You can see here (my first attempt) that one arm didn't quite fill.  That happens sometimes if you don't quite have the air vents in the right places.Pictures at https://13thhr.wordpress.com/2025/12/01/the-thirteenth-hour-podcast-538-and-like-a-hood-ornament-84-continuing-a-rocketeer-resin-casting-project-making-the-prototype/⁠I was also curious to see if the resin I was using could be heated up with a heat gun to further bend the pieces.  Yes, the resin did get soft, but it ended up just breaking.  I did use a woodcarving tool to cut the limbs up further (never a bad idea to wear some eye protection and a N95 or equivalent mask when dealing with hot plastic) and then used epoxy resin (what I normally use to add details on custom figures) to meld the limbs back together in a new position.Here, I have the parts of the figure with newly formed arms and legs next to the original:I just need to clean up the dried epoxy resin, probably with a Dremel, and then figure out how to make joint pegs for the limbs and neck.  Then, I'll make one last mold of all the parts - 4 limbs, torso, head, and rocketpack so I can make resin copies of all the pieces.  That's what's to come in the next few weeks.If you haven't heard them yet, check out the conversations with Andy Last of the Beyond Synth podcast and Richie Billing, author of Together We Rise. Check out my interview on the Planet Texas Podcast, where we touch on toymaking - find it on Youtube.   Thanks, Javier, for having me on!I was also on Let's Talk Media with Vedant Akhauri for another fun conversation.  Check out the episode on Spotify.  Thanks, Vedant, for having me on!∞∞∞∞∞∞∞Once Upon a Dream, the second Thirteenth Hour soundtrack, is now out in digital form and on CD!   It is out on most major streaming services such as Bandcamp, Spotify, and YouTube Music.  (If you have no preference, I recommend Bandcamp since there is a bonus track there and you will eventually be able to find tapes and special editions of the album there as well.)  The CDs are out now!-Check out the pixelart music videos that are out so far from the album:-->Logan's Sunrise Workout: www.youtube.com/watch?v=K7SM1RgsLiM-->Forward: www.youtube.com/watch?v=Z9VgILr1TDc-->Nightsky Stargazing: www.youtube.com/watch?v=2S0p3jKRTBo-->Aurora's Rainy Day Mix: https://youtu.be/zwqPmypBysk∞∞∞∞∞∞∞∞ Signup for the mailing list for a free special edition podcast, a demo copy of The Thirteenth Hour, and access to retro 80s soundtrack!Like what you see or hear? Consider supporting the show over at Thirteenth Hour Arts on Patreon or adding to my virtual tip jar over at Ko-fi.

Through cosmic communication, learn how these mysterious beings may hold the key to our spiritual evolution.UFOs and the Extra-terrestrial Message reveals how UFOs are much more than strange shapes in the sky; they may be part of a multi-dimensional universe, which has become a common concept in everything from quantum physics to sci-fi blockbusters. String theory, hyperspace and dark matter have led physicists to realise that the three dimensions we thought described the universe aren't enough – there may actually be numerous dimensions. As this possibility evolves, the real prospect of meeting our extra-terrestrial neighbours emerges. From ancient texts to little-known eyewitness accounts, Richard explores the evidence of extraterrestrial life. He also looks at X-file exposés, fascinating personal experiences of alien contact, channelled messages from cosmic beings – and shows how these messages hold the key to our spiritual advancement and even to world peace.BioDescribed by Kindred Spirit magazine as one “one of the biggest talents in MBS”, Richard is an award-winning, international bestselling author on spirituality, and one of the foremost Disciples of Master of Yoga Dr George King.Richard's books, DVDs and CDs have been sold in many countries – translations have included Dutch, French, German, Italian, Portuguese, Spanish, Russian, Japanese and Estonian.He has taken part in hundreds of radio shows around the world including several appearances on Coast to Coast AM, which broadcasts to 475 radio shows throughout the USA. He regularly appeared as a co-host on Mike Allen's weekly show on LBC called The Phenomena Files.His TV appearances include GMTV on topics ranging from UFOs to angels, psychic powers and complementary medicine. He has also appeared on TV with Esther Rantzen, Eammon Holmes, Gloria Hunniford, Terry Wogan, Noel Edmonds and James Whale, and a host of documentaries and magazine programmes on all the terrestrial and many of the satellite channels.In addition to having had a column in The Observer, he has written for the Daily Express, Daily Mail, The Sun, Woman's World, Here's Health, Health and Fitness, the USA's Whole Life Times and Phenome-News, New Zealand's Lifestyle magazine and many other journals. He has appeared in most of Britain's national newspapers, and many magazines and local papers.As well as in the UK, he has lectured in the USA, Canada, New Zealand, Australia, Belgium, Italy, Switzerland and Nigeria, and for over 30 years, has been a keynote speaker at London's largest and most prestigious Mind Body Spirit Festival. He has spoken internationally at various venues including churches, synagogues, Buddhist temples, schools, universities, business conventions, charitable meetings and numerous conventions and bookstores, as well as to an audience of thousands at an open-air pop concert.Richard is the Executive Secretary of The Aetherius Society for Europe and a Bishop in The Aetherius Churches. He has devoted his life to the work of his late master and personal friend, Dr George King (1919-1997), who founded the Society.https://www.aetherius.org/https://www.amazon.com/dp/B00J75NB5K https://www.pastliveshypnosis.co.uk/https://www.patreon.com/alienufopodcastMy book 'Verified Near Death Exeriences' https://www.amazon.com/dp/B0DXKRGDFP Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(00:00) ¡Bienvenidos al NortCast! El podcast del TikTok Shop y sus tíos que ya solo compran ahí.(20:50) ¿Nostalgia? Nostalgia es escuchar al crew hablar de quemar CDs y descargar música en módems de 28 kbps.(29:40) ¿Funko Pop? Funko Adios y el próximo fin de una era de los cabezones amados y odiados del mundo de los coleccionables.(46:16) ¿Secuela de mi Pobre Angelito? El Sr. Caulkin dice que tiene la idea clara y no es una trampa.(55:17) La Sección de la Cápsula Stradivarius de Don Christoph nos trae una reseña futurista de "Mars Express" y esta animación recomendadisima.(01:10:30) Alter es nuestra NO RECOMENDACIÓN Y ni la "magia" de Tom Felton la pudo salvar.(01:16:10) Envidios Temporada 3 Es la recomendación de Miedosa, sigue aterrizando sabrosa esta serie y vale la pena que le den una vuelta.(01:18:28) ¡Gracias por acompañarnos una semana más! Happy post Thanksgiving.Síguenos:InstagramXFacebookSuscríbete:YouTubeApple PodcastsSpotifyRSS

In the final episode of the year, PICTISH TRAIL and LAURA catch up to chat all things Lost Map – from recent tour tales and HUMBUG! plans, to details on the greatest Xmas present imaginable: PostMap Club's Annual Membership. There's new music from MONOGANON and ACOLYTE, a track from the freshly reissued HAIRBAND album, and a forgotten festive gem from HAPPY CLARINETTY. To support what we do at Lost Map, join our membership club – PostMap Club! Get postcards each month with download codes for new music, plus a badge, newsletter, and 15% off records, CDs, tapes, and merch. Digital memberships are available too. Visit lostmap.com/club for details. NEW MEMBERS in December 2025 will receive a bumper pack of postcards and a brand-new Lost Map CD compilation, featuring our best tracks from the past year. Annual memberships are also now available! - SOME VERY USEFUL LINKS: Join PostMap Club: lostmap.com/club‍ ‍Annual PostMap Club memberships! HUMBUG! Final tickets! New Lost Map Beanie! Sign up to the Lost Map mailing list! Pictish Trail - Life Slime album bundles! Acolyte 6th December show, Edinburgh Visit Good Vibes Record Store! If you'd like to get in touch about anything, plop us an email: club@lostmap.com - This episode of the Lost Map Podcast was presented by Pictish Trail and Laura Doherty. Editing and additional production from Joe Cormack.

In this episode, we discuss recordings of “Au salon de Joséphine” (Ramée) by Coline Dutilleul, Aline Zylberajch & Pernelle Marzorati, “Opus 109: Beethoven - Bach – Schubert” (Deutsche Grammophon) by Vikingur Ólafsson, “Fribbins: Gomecourt, Cello Concerto, Folk Songs” (First Hand) by Sebastian Comberti, Saša Mirković, Johan Randvere, London Mozart Players / Jürgen Bruns & the Lithuanian National Symphony Orchestra / Robertas Šervenikas, “À la vitesse du vent” (Self Release) by Blue Train 5tet, Dominique Rieux, “Stars and Sand” (Vibe Collide Records) by James Allsopp, and “Circles” (A.MA Records) by Luca Mannutza.   The Adult Music Podcast is featured in: Feedspot's 100 Best Jazz Podcasts   Episode 237 Deezer Playlist   Fair use disclaimer: Music sample clips are for commentary and educational purposes. We recommend that listeners listen to the complete recordings, all of which are available on streaming services in the links provided. We also suggest that if you enjoy the music, you consider purchasing the CDs or high-quality downloads to support the artists.   “Au salon de Joséphine” (Ramée) Coline Dutilleul, Aline Zylberajch, Pernelle Marzorati https://open.spotify.com/album/2HdqXvoKEfNDvkkUo4wtN8 https://music.apple.com/us/album/au-salon-de-joséphine/1839838503 https://music.amazon.com/albums/B0FRMYYWVT   “Opus 109: Beethoven - Bach – Schubert” (Deutsche Grammophon) Vikingur Ólafsson https://open.spotify.com/album/4zSeBpHmi7WGKDYYkqZWjf https://music.apple.com/us/album/opus-109-beethoven-bach-schubert/1855288176 https://music.amazon.com/albums/B0FP5NTMCG   “Fribbins: Gomecourt, Cello Concerto, Folk Songs” (First Hand) Sebastian Comberti, Saša Mirković, Johan Randvere, London Mozart Players / Jürgen Bruns, Lithuanian National Symphony Orchestra / Robertas Šervenikas https://open.spotify.com/album/7fn9reId2xvKhVqIvxeYkT https://music.apple.com/us/album/fribbins-gommecourt-cello-concerto-folk-songs/1832953126 https://music.amazon.com/albums/B0FM16NCX1   “À la vitesse du vent” (Self Release) Blue Train 5tet, Dominique Rieux https://open.spotify.com/album/4pSN8DjtmBrFXKYZve0qR9 https://music.apple.com/us/album/à-la-vitesse-du-vent/1846666570 https://music.amazon.com/albums/B0FWM766HB   “Stars and Sand” (Vibe Collide Records) James Allsopp https://open.spotify.com/album/2x18fkRYPpfmVIvAlPi8wm https://music.apple.com/us/album/stars-and-sand/1839201898 https://music.amazon.com/albums/B0FQP98ZVM   “Circles” (A.MA Records)  Luca Mannutza https://open.spotify.com/album/2QHN4fmCwMw10AdIttg3WK https://music.apple.com/us/album/circles-feat-paolo-recchia-jordan-corda-daniele-sorrentino/1849426973 https://music.amazon.com/albums/B0FY796X25

Tunes: Rhiona Sidley, Stuart Letford and Tom Rust with MacCrimmon's Lament Jeremy Kingsbury: Hacky Honey, Tam Glen/Lads Wi' the Kilts, Stool of Repentance, Merry Old Woman, Jackson's Lake, Fionnlaigh Mac a Phiocair with the Rolling Wave Set Ian Kinnear with The Bloody Fields of Flanders and Lochanside +X+X+ Big thanks to all the musicians and LBPS for inviting me over! Check out the episode on Enjoy Your Piping: https://enjoyyourpiping.buzzsprout.com/2146429/episodes/18254064-episode-125-bellows-in-dunkeld Check out the LBPS Website here: https://lbps.net/j3site/index.php Here are some ways you can support the show: You can support the Podcast by joining the Patreon page at https://www.patreon.com/wetootwaag You can also take a minute to leave a review of the podcast if you listen on Itunes! Tell your piping and history friends about the podcast! Checkout my Merch Store on Bagpipeswag: https://www.bagpipeswag.com/wetootwaag You can also support me by Buying my Albums on Bandcamp: https://jeremykingsbury.bandcamp.com/ You can now buy physical CDs of my albums using this Kunaki link: https://kunaki.com/msales.asp?PublisherId=166528&pp=1 You can just send me an email at wetootwaag@gmail.com letting me know what you thought of the episode! Listener mail keeps me going! Finally I have some other support options here: https://www.wetootwaag.com/support Thanks! Listen on Itunes/Apple Podcasts: https://podcasts.apple.com/us/podcast/wetootwaags-bagpipe-and-history-podcast/id129776677 Listen on Spotify: https://open.spotify.com/show/5QxzqrSm0pu6v8y8pLsv5j?si=QLiG0L1pT1eu7B5_FDmgGA

Join this channel to get access to perks such as Weekly Zoom Calls & Private Discord!! https://www.youtube.com/channel/UC4BqTVQA1pCwe9QaEPwD3MQ/join Free 30 Day Trial to Go2Lister https://www.go2lister.com/mike I help teach people how to make money selling books on Amazon, leveraging the platform's vast reach and the profitability of reselling used books. How to sell books on Amazon? Selling books on Amazon can be an excellent side hustle or a full-time endeavor, particularly if you enjoy thrifting through places like Goodwill for hidden treasures. How to start selling on Amazon is accessible, and with my guidance on how to sell books, DVDs, CDs, and other media, beginners can quickly learn the ropes. Utilizing Amazon FBA streamlines operations, allowing sellers to focus more on sourcing and less on logistics. As a reselling coach, I provide tutorials and guidance on navigating challenges like ungating and optimizing listings for maximum visibility and sales. Whether you're looking for a part-time side hustle or aiming to become a full-time reseller, I will teach you the ins and outs of thrifting books and selling books online and can pave the way to creating passive income streams and achieving business growth.

The latest In Touch With iOS with Dave he is joined by Patrice Brend'amour, Jill McKinley, Jeff Gamet, Marty Jencius, Guy Serle. A post-Thanksgiving Apple tech roundtable: Vision Pro M5 vs M2, spatial video, iOS 26 beta updates, USB drives vs digital media, AirTag travel upgrades, Plex limitations, Spotify price hikes, the $149 iPhone pocket, Peanuts specials on Apple TV+, and plenty of laughs between the full panel. The show notes are at InTouchwithiOS.com  Direct Link to Audio  Links to our Show Give us a review on Apple Podcasts! CLICK HERE we would really appreciate it! Click this link Buy me a Coffee to support the show we would really appreciate it. intouchwithios.com/coffee  Another way to support the show is to become a Patreon member patreon.com/intouchwithios Website: In Touch With iOS YouTube Channel In Touch with iOS Magazine on Flipboard Facebook Page BlueSky Mastodon X Instagram Threads Summary In Episode 397 of In Touch With iOS, Dave is joined by Patrice Brend'amour, Jill McKinley, Marty Jencius, Jeff Gamet, and Guy Serle for a lively post-Thanksgiving discussion covering Vision Pro updates, iOS 26 developments, media format debates, travel tech improvements, and plenty of humor. The panel begins with Apple Vision Pro, diving into the M5 vs. M2 comparison, app support concerns, frozen iPad-based apps, spatial vs. 3D video, and why personas remain one of the Vision Pro's most underrated features. Several panelists challenge a recent critical article about Vision Pro, noting that the platform is still early and evolving. Next, the group covers iOS 26 beta updates and Apple's Invites app, leading to a comedic sidebar about who exactly uses the app — if anyone. This transitions into a deep (and funny) debate over USB thumb drives, CDs/DVDs, Blu-rays, and digital vs. physical media. From enterprise security to indie concert CDs, everyone shares stories illustrating why physical media is "dead"… or maybe not so dead. More news includes AirTag upgrades that help airlines locate lost luggage, Spotify preparing another round of price increases, and Plex restricting free users from sharing library access — which sparked concerns among Plex users on Apple TV. The crew also reacts to Apple's limited-run $149 iPhone "pocket" accessory, Pocket Casts adding smart playlists, and Peanuts holiday specials becoming Apple TV+ exclusives. The episode wraps with chat room highlights and each panelist sharing where they can be found online. Topics and Links In Touch With Vision Pro this week.  Vision Pro M5 review: It's time for Apple to make some tough choices TRON Legacy is Finally in 3D on Disney+ for Apple Vision Pro! #applevisionpro #tron #disney  Beta this week.  iOS 26 Beta 3 continues this week.  iOS 26.2 adds convenient new feature designed for Apple's Invites app In Touch With Mac this week 4 storage types I think no longer make sense in 2025 Other Topics AirTag's newest feature could work even better now for many travelers Pocket Casts app introduces smart playlists feature to organize your podcasts Plex's crackdown on free remote streaming is starting with its Roku app News Apple News Loses CNN - MacRumors Spotify planning price increase for US subscribers iPhone Pocket is Now Completely Sold Out Worldwide Want to watch 'A Charlie Brown Thanksgiving'? You'll need an Apple TV subscription Announcements Macstock 9 has wrapped for 2025. Attendees will receive a link for the session recordings when  they're ready in 30-45 days. If you missed Macstock we missed you! Why not purchase a digital pass to relive all the amazing presentations? Click the link below to purchase the digital pass. Macstock X has already been announced July 10,11,12, 2026 hopeful you all can join us.  Macstock IX Digital Pass Our Host Dave Ginsburg is an IT professional supporting Mac, iOS and Windows users and shares his wealth of knowledge of iPhone, iPad, Apple Watch, Apple TV and related technologies. Visit the YouTube channel https://youtube.com/intouchwithios follow him on Mastodon @daveg65, , BlueSky @daveg65  and the show @intouchwithios   Our Regular Contributors Jeff Gamet is a podcaster, technology blogger, artist, and author. Previously, he was The Mac Observer's managing editor, and Smile's TextExpander Evangelist. You can find him on Mastadon @jgamet Pixelfed @jgamet@pixelfed.social and Bluesky @jgamet.bsky.social‬ Podcasts The Context Machine Podcast  Retro Rewatch Retro Rewatch His YouTube channel https://youtube.com/jgamet Marty Jencius, Ph.D., is a professor of counselor education at Kent State University, where he researches, writes, and trains about using technology in teaching and mental health practice. His podcasts include Vision Pro Files, The Tech Savvy Professor and Circular Firing Squad Podcast. Find him at jencius@mastodon.social  https://thepodtalk.net  Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him by email at eabolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast.   Jill McKinley works in enterprise software, server administration, and IT A lifelong tech enthusiast, she started her career with Windows but is now an avid Apple fan. Beyond technology, she shares her insights on nature, faith, and personal growth through her podcasts—Buzz Blossom & Squeak, Start with Small Steps, and The Bible in Small Steps. Watch her content on YouTube at @startwithsmallsteps and follow her on X @schmern. Find all her work at http://jillfromthenorthwoods.com  Chuck Joiner is the host of MacVoices and hosts video podcasts with influential members of the Apple community. Make sure to visit macvoices.com and subscribe to his podcast. You can follow him on Twitter @chuckjoiner and join his MacVoices Facebook group. Patrice Brend'amour loves to create podcasts, automations or software. She also enjoys working with diverse sets of people, leading them to success and making a tiny difference in the world. Which she does as VP of Development at a Healthcare Software provider. She can be found at https://the-patrice.com and her podcast Foodie Flashback at https://foodieflashback.com

The Delectable Negro: Human Consumption and Homoeroticism within US Slave CultureAudiobook edition by Vincent WoodwardLibro.fmLibro.fm is an employee-owned social purpose corporation that shares profits from your audiobook purchases with your chosen bookstore, giving you the power to keep money within your local economy. It's also a great alternative to Audible, which is an audiobook platform owned by Amazon.The Lit bae Bookshop Homepagehttps://libro.fm/thelitbaebookshopBookshop.orgBookshop.org works to connect readers with independent booksellers all over the world.‍We believe local bookstores are essential community hubs that foster culture, curiosity, and a love of reading, and we're committed to helping them thrive.Every purchase on the site financially supports independent bookstores. Our platform gives independent bookstores tools to compete online and financial support to help them maintain their presence in local communities.If you would like to gift me a book from bookshop.org, here is the link: https://bookshop.org/wishlists/89c2b233c4293884fbe0b77cb955c86378c22f28I also have curated a shop on Bookshop.org of the books I enjoy: https://bookshop.org/shop/LitbaepodPango BooksPangoBooks is a social marketplace for readers to buy and sell books and connect with one another.Our app for iPhone and Android devices makes it super easy for anyone to list books for sale, and the process for shipping and getting paid is as simple as can be. It's like opening your own little bookshop.Here is a link to my Pango Books shop:https://pangobooks.com/bookstore/litbaepodLibby AppLibby is a free app where you can enjoy ebooks, digital audiobooks, and magazines from your public library. You can stream titles with Wi-Fi or mobile data, or download them for offline use and read anytime, anywhere. All you need to get started is a library card.Hooplahoopla is the digital service of Midwest Tape, a leading provider of entertainment media products and services: DVDs, CDs, audiobooks and shelf-ready solutions, to public libraries across North America for over a quarter of a century. Our purpose has always been to partner with libraries in delivering the best content to patrons in the most streamlined manner possible. Through the years, we've cultivated a growing passion for the evolving public library.hoopla Digital builds on that passion by providing public libraries of all sizes the ability to offer patrons an enormous selection of digital video (movies and TV shows), music, audiobooks, Ebooks and comics to their patrons. For these libraries, we've pioneered a unique model that allows patrons to borrow content immediately, removing artificial availability constraints and maximizing the power of digital content and Internet distribution. Technologically, we focus on the latest browser, phone, tablet, and TV products to deliver the best possible experience to our user – our passion – the public library patron.The StorygraphWe'll help you track your reading and choose your next book based on your mood and your favorite topics and themes. An excellent alternative to Good Reads, which is owned by Amazon. https://www.thestorygraph.com/

Celebrate a Celtic Thanksgiving with music full of blessings, homecoming, and heartfelt gratitude. From Irish blessings to Scottish toasts, this episode is a warm table filled with the musicians who've made this community thrive. Fill your cup. Let's give thanks together on show  #736 of the Irish & Celtic Music Podcast  -  -  Subscribe now! Clanna Morna, Adam Agee & Jon Sousa, Irishtown Road, The Friel Sisters, The Fire, The Gothard Sisters, Marys Lane, Brobdingnagian Bards, Ironwood, Ogham, Charlene Adzima, Tallymoore, Heather Dale, Clare Cunningham, Wolf Loescher, Eclectic Revival, Bealtaine GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items with what's happening with Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have until December 4 to vote for this episode. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2 - 3 weeks. THIS WEEK IN CELTIC MUSIC 7:41 - Clanna Morna "Otter's Holt / Sweeney's Buttermilk" from From The Lowlands To The High Seas 3:49 - WELCOME 5:27 - Adam Agee & Jon Sousa "Runs in the Family / Angry Birds" from Suantraí 7:41 - Irishtown Road "Irish Blessing" from On the One Road 12:38 - The Friel Sisters "Miss Johnstone's/The Ladies' Pantalettes/The Virginia/The Road to Lisdoonvarna (Hop Jig/Reels)" from Northern Sky 16:32 - The Fire "Auld Lang Syne" from The Fire's Very Scottish Christmas 20:04 - FEEDBACK 22:58 - The Gothard Sisters "Follow the Wind" from Moment in Time 26:31 - Marys Lane "Gypsys Dance / The Kesh Jig" from Wild Unknown 29:10 - Brobdingnagian Bards "Slainte Mhaith" from Another Faire to Remember 31:19 - Ironwood "Planxty Caper Set" from Gretna Green 35:14 - Ogham "Her Long Dark Hair Flowing Down her Back / The Home Ruler" from The Gold Ring 39:44 - Charlene Adzima "An Cailin Rua" from The Initiation 43:28 - THANKS 45:33 - Tallymoore "Home to Donegal" from Drive 51:58 - Heather Dale "Weaver" from The Green Knight 55:22 - Clare Cunningham "Home Again" from ON MY WAY (AR MO BHEALACH) 59:37 - Wolf Loescher "At Home with the Exiles" from Immigrant Songs 1:04:24 - Eclectic Revival "Come Back Home" from Life & Love 1:08:34 - CLOSING 1:09:47 - Bealtaine "The Parting Glass" from Factories & Mills, Shipyards & Mines 1:13:19 - CREDITS Support for this program comes from Cascadia Cross Border Law Group, Creating Transparent Borders for more than twenty five years, serving Alaska and the world. Find out more at   www.CascadiaLawAlaska.com Support for this program comes from Hank Woodward. Support for this program comes from Dr. Annie Lorkowski of Centennial Animal Hospital in Corona, California. Support for this program comes from International speaker, Joseph Dumond, teaching the ancient roots of the Gaelic people. Learn more about their origins at Sightedmoon.com The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor. Finally, remember. Clean energy isn't just good for the planet, it's good for your wallet. Solar and wind are now the cheapest power sources in history. But too many politicians would rather protect billionaires than help working families save on their bills. Real change starts when we stop allowing the ultra - rich to write our energy policy and run our government. Let's choose affordable, renewable power. Clean energy means lower costs, more freedom, and a planet that can actually breathe. Promote Celtic culture through music at http://celticmusicpodcast.com/. WELCOME THE IRISH & CELTIC MUSIC PODCAST * Helping you celebrate Celtic culture through music. I am Marc Gunn. I'm a Celtic musician and also host of Pub Songs & Stories. Every song has a story, every episode is a toast to Celtic and folk songwriters. Discover the stories behind the songs from the heart of the Celtic pub scene. This podcast is for fans of all kinds of Celtic music. We are here to build a diverse Celtic community and help the incredible artists who so generously share their music with you. If you hear music you love, please email artists to let them know you heard them on the Irish and Celtic Music Podcast. Musicians depend on your generosity to release new music. So please find a way to support them. Buy a CD, Album Pin, Shirt, Digital Download, or join their community on Patreon. You can find a link to all of the artists in the shownotes, along with show times, when you visit our website at celticmusicpodcast.com. Or email follow@bestcelticmusic to learn how to subscribe to the podcast. I will send you a free music - only episode. If you're in a Celtic band, you will also learn how to get your music played on the podcast and get a free eBook called Celtic Musicians Guide to Digital Music. It's 100% free. Again email follow@bestcelticmusic Thanksgiving reminds us how good it feels to pause, breathe, and say thanks. Today, we celebrate the music and the musicians who bring joy to our lives. You'll hear jigs, reels, blessings, toasts, and songs about coming home. If you discover new music you love, support the artists. Every download, every follow, every share…those are acts of gratitude too. Thank you for being a part of our musical journey. CELTIC CHRISTMAS MUSIC PODCAST FOLLOW OUR KICKSTARTER PRE - LAUNCH PAGE I just setup a pre - launch page for our next Kickstarter in January. Once again, this will be for funding a Best of 2025 compilation album on CD or Album Pin or even as a Shirt. Follow the link in the shownotes, so you can be the first to get a copy of our next compilation. Only 100 CDs and 100 album pins will be made. Follow the Kickstarter. HAVE YOU HEARD OF ALBUM PINS? Just like this podcast, they are changing the way we hear Celtic music. There were several folks who showed at the Irish & Celtic Music Podcast booth at IrishFest Atlanta. Several people were confused about the album pins I talk about on this show. So I thought I'd share details. An album pin is a lapel pin. Each pin is themed to a particular album I've released. You get a digital download of the album. And then you can wear your help. It's fashion and music combined as one. My pins are beautifully designed and wood burned locally. This makes them better for the environment. If you want to learn more about Album Pins, you can read more about them on my celtfather.Substack.com or just buy one at magerecords.com THANK YOU PATRONS OF THE PODCAST! Your support makes the Irish & Celtic Music Podcast possible, nearly every week of the year. You're not just funding a show. You're fueling a movement that shares the magic of Celtic music with thousands around the world. Your generosity covers everything from audio engineering and artwork to the Celtic Music Magazine, show promotion, and buying music from independent Celtic artists. If you're not a patron yet? You're missing out! You get ✨ Early access to episodes

Our current asset allocation is 65% equities, 7% bonds, 28% cash/CDs, etc. My wife is concerned that we are taking on too much risk given our ages. Is she correct? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 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

My guest this week is David Grier, who joins me to celebrate the classic album 'The White Brothers - Live in Sweden' (recently remastered and reissued in an expanded form as 'The New Kentucky Colonels - Live in Sweden').We talk about what makes this recording special, including the fact it was recorded live and never intended for release, and why Clarence and Roland had such a unique approach to music, particularly when it comes to their joint sense of timing.David also shares his thoughts about why bluegrass picking should be about more than just playing licks over chords and why true artistry often gets lost, as well as calling out some of the current players he loves.This was a fascinating conversation that started as a celebration of a classic album but widened out to being about what making music is really all about.If you want to hear my previous interview with David, which came from a two episode special to commemorate the 50th anniversary of Clarence White's death, you'll find it here.To buy the reissued CD, and for lots more info on Clarence and Roland, visit rolandwhite.comDon't forget to check out www.davidgrier.com for more info on David and to buy his CDs. Support the show===Thanks to Bryan Sutton for his wonderful theme tune to Bluegrass Jam Along (and to Justin Moses for playing the fiddle!) Bluegrass Jam Along is proud to be sponsored by Collings Guitars and Mandolins- Sign up to get updates on new episodes - Free fiddle tune chord sheets- Here's a list of all the Bluegrass Jam Along interviews- Follow Bluegrass Jam Along for regular updates: Instagram Facebook - Review us on Apple Podcasts

The dolls are joined by the prodigious patisserie of elegance and razor-sharp wit, the incomparable Kim Chi! Miss Chi who would like you know that public libraries stand as luminous beacons of civic generosity, offering complimentary tootsie rolls that taste like tiny victories of the working class as these huddled masses check out CDs to be burned into their iPod Classics, empowering each and every one of them to cultivate a personal soundtrack without groveling to the dark forces of capitalism. Some of these noble institutions even distribute book-reading gift certificates for free bagels, nourishing both mind and body in one glorious carbohydrate embrace. And thanks to their tireless preservation of microfiche, detectives of every stripe can finally uncover exactly what happened at the Des Moines Harvest Jamboree in 1987, a truth now restored to a grateful society. Let us all join Kim Chi with praise for the unsung civic treasures that are America's public libraries.  To buy Kim Chi's new book "Kim Chi Eats the World" head to: https://kimchithequeen.com/pages/cookbook This holiday season, get an exclusive $45-off Aura Frames' Carver Mat by using Promo Code BALD at https://on.auraframes.com/BALD Getting contacts doesn't have to be a hassle! Let 1-800 Contacts get you the contact lenses you need right now! Download the free 1-800 Contacts app today or order online at https://1800Contacts.com Get your gut going and support a balanced gut microbiome with Ritual's Synbiotic+. Get early access to their Black Friday sale for 40% off your first month at https://Ritual.com/BALD Follow Kim Chi: @KimChi_Chic Follow Trixie: @TrixieMattel Follow Katya: @Katya_Zamo To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/TrixieKatyaYT To check out our official YouTube Clips Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/TrixieAndKatyaClipYT Don't forget to follow the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/thebaldandthebeautifulpodcast If you want to support the show, and get all the episodes ad-free go to: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thebaldandthebeautiful.supercast.com To check out future Live Podcast Shows, go to: ⁠⁠⁠https://trixieandkatya.com/#tour To check out the Trixie Motel in Palm Springs, CA: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.trixiemotel.com Listen Anywhere! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/thebaldandthebeautifulpodcast Follow Trixie: Official Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.trixiemattel.com TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@trixie⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/trixiemattel Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/trixiemattel Twitter (X): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/trixiemattel   Follow Katya: Official Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.welovekatya.com TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@katya_zamo Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/welovekatya Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/katya_zamo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter (X): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/katya_zamo   #TrixieMattel #KatyaZamo #BaldBeautiful Learn more about your ad choices. Visit podcastchoices.com/adchoices

Most of us take listening to music or podcasts for granted. You can find them on your phone, in the car or just about anywhere you can imagine. But, have you ever wondered how those sounds were captured in the first place? To find out, Molly and Co-host Canyon shrink down and follow a sound waves as it is recorded and stored. They meet a robot who really loves to eat old school media, like cassettes and CDs. And they learn how speakers turn information into the music we hear. All that plus a new mystery sound. Want to support the show? Join Smarty Pass to listen to ad-free episodes or donate! Click here or a transcript of this episode.See omnystudio.com/listener for privacy information.

Lesley Logan welcomes back personal coach and former NASA engineer John Mollura for a powerful conversation on confidence, fear, and self-trust. Together they break down why so many high achievers feel stuck—and how it's not about time management but the fear hiding underneath. John shares how to quiet your inner critic, lean into a curious 'seeker mindset,' and rebuild trust in yourself one small promise at a time.  If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How fear of failure kept John from setting goals or making plans.The “two-by-four” life moments that forced him to realign his purpose.Why photography revealed a deeper coaching calling after years in corporate life.Why true confidence begins with keeping the promises you make to yourself.Why fear drives the “big three” — perfectionism, procrastination, and overthinking.Episode References/Links:John Mollura's Website - https://www.johnmollura.comJohn Mollura's Free Resources - https://www.johnmollura.com/freestuffEpisode 119: John Mollura - https://beitpod.com/ep119The Big Leap by Gay Hendricks - https://a.co/d/0DUsv01AmeriCorps – https://americorps.govBrand Builders Group – https://brandbuildersgroup.comGuest Bio:John Mollura (pronounced muh-LAURA) is a personal coach and speaker who knows what it's like to feel stuck—despite a resume that says otherwise. For fifteen years he led test operations for NASA missions as a literal rocket scientist before becoming a multi-award-winning photographer, with work featured by National Geographic. But behind the achievements and titles, he battled self-doubt, perfectionism, and the fear of taking the next step. John didn't just break free—he built a framework for lasting change. Through a powerful blend of science, storytelling, and strategy, he doesn't just inspire—he equips people with the tools to take action, build confidence, and create real momentum. Get ready to move from hesitation to action, from fear to confidence, and from stuck to unstoppable. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:John Mollura 0:00  The root of people's lack of confidence is they're not showing up for themselves. Because here's what happens, is we're lying to ourselves. We say I'm going to wake up and go to the gym, or this is the year I'm going to start eating healthier, or I'm going to floss my teeth every night. Like, pick a commitment you've made to yourself. If we continually break these commitments time and time again, well, guess what? Our brain recognizes I can't trust me.Lesley Logan 0:28  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:10  Hi, Be It babe. How are you? Oh my gosh. Okay. We have a blast from the past, an amazing person, that every time I hear him speak, I'm just like, yes, yes that, yes this, yes, that, oh, say that one more time. So you guys are gonna want to repeat this. This is an episode on perfectionism, procrastination, overthinking, confidence, fear. It's really good stuff. And our guest is John Mollura, and I'm really, really excited. And if you haven't heard from him on episode 120 I highly recommend, after you listen to this one, go listen to that one, and just see how far people come in such a short period of time, we think three years is a long time, and it's like, you know, like, it isn't, it happens quite quickly. So anyways, you're amazing. John's amazing. This episode is for you. Here you go. Lesley Logan 1:57  Be It, babe. We have a blast from the past, and like the past, I cannot believe that it's I can't believe how long this podcast has been on, because it feels like I just got started, and I'm like, still getting my groove, but John Mollura is our guest today. He was from Episode 120, oh my God, okay. John Mollura, in case people haven't been with us since Episode 120, can you remind them? John Mollura 2:16  And you should go back and listen to all those if you have not.Lesley Logan 2:21  Well, they're gonna have to. Because I think we're gonna share, what I'm excited about is to share a journey. Like, whenever I have a guest back on, it's like, we get to, like, see where you are, and people get to go, oh, wow, behind like, you don't see behind the scenes very much, and you don't like, we just think, like, things just happen, and the light switch just turns on, and everything works out. So tell everyone who you are and what you're rocking at now.John Mollura 2:45  Hey, everybody. So second time guest here on the Be It Pod with my good friend, Lesley. And fun fact is I actually live right up the road from her hubby's parents in the first State of Delaware. Lesley Logan 2:58  It's really hilarious. John Mollura 2:59  Right? Small world, small world. So what I am up to? I am a personal coach, and no one is more surprised to see me in that position than me. Lesley Logan 3:08  I don't know. I had to be really honest. We'll go on with your because, but I just want to say, like, your talk, (inaudible) like, three years ago, about imperfection was so good, like, to me, you were like a coach over a photographer. But anyways, tell everyone why you're more surprised.John Mollura 3:28  Yeah, and I'm talking like, longer than, like, the time you and I have been buddies, but like, just throughout my entire life, dude, I, like Forrest Gump-ed my way through, like, never really had a plan, and I came to realize the reason why I never had a plan is because if you didn't have, like, a plan and a target and goals, guess what, you could never fail. And I was so afraid of failure, like I never wanted to, you know, put my name on something, be like, this is what I want to do. So that is why I say I've, -like, Forrest Gump-ed my way through. And I I'm surprised I'm here, because it was never the plan, because I never had a plan. Lesley Logan 4:05  This is so fascinating. I think people just freaking like, were like, caught, like that, like, caught, you know, because you just said, If you don't have a plan, you can't fail. And I'm afraid of failure. And I think there's a lot of people who have been just like, it's a lot going on, it's really hard to make decisions in this time, like, you know, and it's like you can do that for so long, and at some point, like, there's a calling that you have, the universe is going to force you to do it. Do you feel forced?John Mollura 4:38  So I like to call them two by four moments, Lesley, and these are those moments in life where the universe, or God or who, whomever you believe, is kind of orchestrating all this. If you're not paying attention enough, they whack you upside the head with a two by four. And you find yourself in these situations where it's like you're just forced into these changes, and you know you don't have to answer the call, but the price you pay is that you just have this just spiritual discontent with inside of you, and that is such a yucky and exhausting feeling.Lesley Logan 5:13  Yeah, it really is like, and I think anyone listening like, I can think of times when, like, I feel like I got hit by a back truck, and then you're like, why didn't you tell me before the Mack truck came? And then you look back and you're like, there was a little flashlight right there, and then there was this like thing over here. You ignored those so I had to hit you with a Mack truck to get your attention.John Mollura 5:37  Yeah, yeah. There is a story that I like to tell when I'm doing like a small group, and it's like people are like, you know, they they end up at the pearly gates, and they're like, God, why didn't you save me? And that is like, what are you talking about? It's like, I sent, I told you to leave the house before it flooded. I sent you the news report, and you didn't listen. And then when you climbed on your roof. I sent you a boat, saying, hey, get in the boat. And you said no, and then I sent a helicopter, like, what else do you want? So we don't, we don't pay attention to these signs all along the way.Lesley Logan 6:10  We're expecting it to say, John, this is for you. Like, Lesley, this is yours. And the truth is, is that, like, you know, we all get choice. That's what we were given. We were given this choice to listen or to not to listen, and those choices have consequences. So if you choose not to listen, you get hit by a two by four, hopefully before you drown. Hopefully, hopefully you pay attention before you drown. So, tell, can you take us back to some of the two by fours that kind of shoved you this way? John Mollura 6:40  Yeah. Yeah. So, so my my career again, like starting back with my career after I graduated engineering school from Penn State in like 2001 shout out, Nittany Lions, we are, is I ended up working in the space program. Right?Lesley Logan 6:58  Yeah, which is so badass. It's like the, I mean, it's what every kid grows up to wanting being an astronaut, you got to do that without going to space. But, like.John Mollura 7:06  Space Cadet, yes, astronaut, no, but I did get to work with them, and the reason why I literally fell into that job was because I lost out on an internship with Disney in college and taught rock climbing for the summer, and that actually was what bubbled me to the top of the guy who hired me, who was former Special Forces and he said, Hey, look, I'm like, why'd you pick me? Like, I had, like, a decent grade, other than my shining personality and, you know, rapier wit, why did you pick me, Skip? And he said, I don't need another, you know, gosh darn egg head on this team. I need someone I can send out into the field and not get me or themselves killed. He said, you're smart enough. So again, like, you know, I wasn't planning on ever being a rock climbing instructor, but I was offered the jobs I know other options. That's what bubbled me to the top, where I worked in the space and defense industry for 15 years, leading test operations for NASA and working with elite military units, and a big two by four moment came in 2009 right after our first child was born, where, like, I really felt like I wasn't going to be a good dad, just because, you know, my past trials and traumas. And then right after that, one of my best childhood friends intentionally overdosed and passed away, and I was I was a mess. I was an absolute wreck. And, you know, I can remember thinking, Well, maybe he got it right. Maybe I shouldn't be here. And for whatever reason, I said the Serenity Prayer like it popped in my head.Lesley Logan 8:41  Isn't it funny how we all know that prayer, we all know, like, if that prayer is like, right there, it's like, so like, like, we're, I feel like we're born with it, like it's so good.John Mollura 8:49  Yeah, yeah. And for those of you, you know, here's a variation I love is, you know, accept what is, let go of what was, and have faith in what will be, you know. And like, as soon as I finished it, I felt this warm sensation and like, you know that that's when I found, like, true religion and freedom. But it wasn't like all unicorns and rainbows and stuff like that. It was quite the opposite. It was where, like the proverbial scales fell from my eyes, and I realized what an a hole I was in life to protect myself. So that started me on this journey of faith and getting my, you know, just seeing how the world saw me, and I built up this like superhero exterior, but really just to protect the wounded person inside. And as I really came to terms with that and started healing, I started realizing that, wow, this job that I have, like you said, which is, like every kid's dream, like, you know, former 80s kid, like you we grew up watching Star Wars and, you know, all the things like that. I was like, this job isn't satisfying me. This isn't this isn't where I'm supposed to be. I'm good at it. I'm world class at it. But, man, I'm just not happy.Lesley Logan 9:58  Yeah, yeah, that's what Gay Hendricks would call from The Big Leap, he would call, like, your zone of excellence, but not your zone of genius. And, like, It's uncomfortable to be in the zone of excellence for a long time. People think you're weird, but like, you just don't like, you're like, I this, I can do this in my sleep, but it's not challenging me. It's not making me feel satisfied. John Mollura 10:19  Right? Yeah, that's not bringing life into me. So I went and, you know, did the responsible thing, and as a now father of three, and got another higher paying job in engineering, and was even more miserable and out of alignment. Lesley Logan 10:32  Just wanted to make sure. John Mollura 10:34  Yeah, just wanted to make sure this is definitely not for you. So almost, almost eight years ago to the day. We're recording this in early April, on April 7th of 2017 was when I walked away from corporate life and turned my side hustle photography in my full time gig. And it, you know, it was filled with a lot of ups and downs. You know, I had the opportunity, like National Geographics featured my stuff. I photograph my Grammy winners, like all the cool things, but it never really took off. Right? So here, you know, we're already up to two, two by four moments. There's, you know, the death of my friend and my spiritual awakening. You know, realizing this, like, dream career wasn't serving me. So if you're counting along, that's two, two by fours to the head, I don't catch on real quick. And then, actually, our initial conversation, and I looked it up, was in January of 2022, shout out, Brand Builders.Lesley Logan 11:34  I know, I know. Oh my God, that is, that is, I mean, we met, I guess, that is crazy. This podcast has been on for a long time.John Mollura 11:42  Yeah, and it wasn't even about the podcast that was about a webinar. You had this like, zany idea to be like, Hey, does anybody want to talk about imposter syndrome? I'm like, What's that? So I, like, Googled. I'm like, Oh my God, that's what I had even like as I was getting, like, letters of commendation from the military, like I felt like I didn't deserve it, and I was like, one screw up away from, like, failing and like everyone seeing I was faking it. So during this photography career, as the photography was starting to slow down, that came into my life, that came into my path, and then that turned into a keynote, and then the keynote turned, you know, into another keynote called elite level confidence. And that started getting traction. Meanwhile, my photography business is going down, right?Lesley Logan 12:30  Yeah, I'm going to challenge you on that second two by four. I think that the second two by four is a door, like a bridge or just like a guide, because I think, like, you would never have been in the room that you were in. So I feel like, maybe there's a second, two by four. And just like, hey, this photography thing is a beautiful hobby, and you're really good at it, and it's another zone of excellence. But like, they're, we're calling you over here. But I just think, like, I think, like, the everything happens for a reason, and you were in that room because of photography, you know, or maybe there was something inside you that was like, calling you to go for more, and maybe you knew about this coaching thing sooner. But I think, like, I wonder, like, would you have gone from engineering to elite level coaching? Like, you know what I mean? Like, I.John Mollura 13:14  Right, I mean, it all falls together. You know, when you're looking back at the path, it's like, oh, that makes sense. But yeah, in the moment you're like, what the heck it's going on here? Lesley Logan 13:23  Yeah, so okay, I remember, because I get your emails, I remember when you're like, oh, I'm not doing this for I'm closing my studio. And I was like, wow, I hope he's not going back to engineering. I'm so happy you're not. But you know, like, I was just like, oh, because I've been in this world long enough and like, it's really, it is really difficult to whatever your passion is, whether you're a photographer, listening or not, like one of my dear friends, like she makes her magic happen as a photographer, but it is you absolutely can get paid for your passion, but you also have to remember, it's still work, you know? And if it's not, if it doesn't serve you and your family, then it's not serving you, and you have to, like, change it. So, okay, how did you be it till you see it, from photographer to coach, because that I feel like, you know, like, how did you address that? How did you come to terms with your heart? How did you tell your family? How to tell people that I feel like people get stuck on like that, but what are people gonna say? What? How do I explain why I changed again?John Mollura 14:20  Yeah, and that was a lot of internal dialog when I was like, oh man, I'm starting to feel this, this just spiritual discontent again. And I'm like, I've wrestled with it. I'm like, are you kidding me, John, like, like you already had, like, a dream everybody wants. Like, you worked in the space program. You literally worked with astronauts and fighter pilots. Like, how cool is that? And then I did photography again. A lot of people like that. They're like, my dream is to be a photographer full time. And I'm like, oh, no, this isn't really filling me up anymore. So that was something I really wrestled with, Lesley, like, like, I didn't want to tell my wife, who's been on this, like, roller coaster with me, like, because I was embarrassed. I'm like, what is wrong with me? Why am I just such a like, you know, then all the negative voices start, right? It's like, you're a malcontent. You're never going to be happy, you know, all the things and but what I realized, what I really leaned into, was the truth of the matter, was, especially after Covid, because the photography I did, like headshots, portraits, things like that. So I was always working with people, and I saw such a change in people's demeanor. Like, I get it. Being photographed is not anyone's favorite pastime, really. But, like barely.Lesley Logan 15:31  I love it, but I'm weird. John Mollura 15:33  Right. Yeah, there's a very small percentage of people, but you know, every photo shoot would start the same. Good luck getting a good picture of me. And it's like, okay, yeah, that before, but there was something different, especially after Covid, where people just had this just lack of confidence in themselves. So I started realizing, like I was doing coaching sessions with people, just to get them comfortable being in front of the lens of the photo shoot they paid big money for.Lesley Logan 16:02  That's insane. I can totally see that 100%, yes.John Mollura 16:06  Yeah. So that's, that's what I really started leaning into. So my first coaching program that I came up with a couple years ago was called Authentic Men of Action. Because, you know, Rory Vaden, who actually brought us together through his Brand Builders was, he always says, you're best suited to serve the you that you used to be. And I'm like, God, I was a mess. So I thought, let me create this program to to work with men, to really help them take action and get after what is important to them and best serve people that are in their lives. And again, it kind of took off. But then, like, women started reaching out, like their girlfriends and wives, and they're like, Hey, can, like, we get in on this? And I'm like, okay, you know, cue all the limiting beliefs, you know, tripping up like, Oh, you gotta know what to say. You're gonna know how to help people. John Mollura 16:52  Almost like, you know when to, like, hit the button. You're like, okay, here they are. Like, just come at me.John Mollura 17:01  Yeah, yeah. And my wife's like, she's like, you know, you're a father to two daughters, you're a great husband. Like, why don't you just see how it goes, John, and quit over thinking this. Like, okay, so yeah. Then I opened the coaching up to the women, and then the keynotes started. Were with which turned into elite level confidence, you know? And it's just been a beautiful progression of just listening and seeing what the need is, and then answering the call and not letting those limiting beliefs stop me. Lesley Logan 17:24  Yeah, I think it like it takes, in the ideal world is like each time you get to know yourself and what you want more, and that each time you be it till you see it, like the space between hearing and limiting beliefs and still taking action, ideally, gets shorter. Like, I actually don't think that you they just go away. John Mollura 17:55  They never go away. Lesley Logan 17:56  I think if you're not a narcissistic, egotistical sociopath, like if you are, they never go away. You just recognize it. You're like, Oh, I know this station. I can actually just turn it off. Like, thank you. You know, like, I get to, I get to turn that off now, and I think that's so interesting. I also, like, was want to highlight, like, I do think that there's a massive confidence problem, and no one is like, you know, the coaches I've worked with, because I worked with a lot, since I'm in the fitness world, there's a lot of people who are like, you are, like, creating fitness programs so women feel confident. And the truth is, as my coach, is correct, no one is actually Googling how to get more confident, right? Like they're Googling, like, weight loss or whatever, but what they are wanting, the byproduct is confidence. Now that we've on the other side of Covid, I do think there's a lot of people who reckon, who are like, defeated, you know, and, and because, especially people our age who, like, you know, graduated, like, went to college in 2001 graduated to the recessions, you know, then once we started getting our legs under us, then Covid hit. Like, it kind of can feel like, if your evidence is every few years you get knocked down, you may as well stay in a safe place which doesn't make you more confident, it makes you have some dissonance, and that is where a lack of confidence comes from. So I do think that more and more people are needing it and even more aware, but they're using the word imposter syndrome and and other things to to describe it. Okay, you've done speeches before because, like, you had, like, you've had the career with, with space and all that stuff. But like, what was it like to give your first keynote under this, like, this iteration, this, like, next level, this, be it till you see it version of you?John Mollura 19:40  Yeah, one of my coaches told me something that really resonated with me, and now I share it with with my clients that want to, like, do keynote speaking. They said the best thing you can do to reduce the nerves is not to focus on yourself, because if you go out there with this mindset of, like, Oh my gosh. I need to, I need I need to, I need to not forget any lines. I need to hit my marks on the stage. I need to. I need to just, just, just, just crush this like, that's when it goes completely sideways, yeah? Because it's all inward focused. So being switching the mindset of like, okay, I'm gonna go out here. I'm well rehearsed. I've done the preparation that I need to do, and I'm doing that not so I look awesome, but so I can best serve everybody that's out in the audience. So the first time I gave that talk, you know, I did like the rotary thing, where I talked to rotary groups and get my legs under me and refined it. The first official time I gave it was to a group of people that had just completed a year of service with AmeriCorps, and they were transitioning out of that volunteer space. And now, you know, going a lot of them going back into whatever organizations they helped with, but also taking this knowledge and going forward, and they and they've changed, during these years of service.Lesley Logan 21:06  Yeah. Who they were when they started is a very different person, you know. John Mollura 21:10  Right, right. So I partnered up with AmeriCorps because they were, the leadership realized that when people would leave, they were they they didn't, they were kind of rudderless, because they weren't the same person going back to their lives they had before. So they brought me in to speak to them. And is a very beautiful thing about like ways we can sabotage ourselves with, with just, you know, whether it's it's perfectionism or having this kind of lone wolf mentality, building walls in our relationship, you know, focusing on, like perfectionism that leads to procrastination and overthinking and all the things it was helping them see and just be aware of these, these things that will pop up.Lesley Logan 21:55  Yeah, yeah. I sorry to hit you off. I think like understanding how we sabotage ourselves is one of the biggest things we could ever do for ourselves. So you mentioned perfectionism, lone wolf. What are some of the other like ways we can we can sabotage ourselves because we look at it as like it's happening to us, but really we're doing it to us.John Mollura 22:17  Yeah, yeah, yeah. So and that, that's where you know, my newest free resource that I've is on my website for people, it's The Six Leverage Points for Success, and it talks about, you know, creating legacy for yourself, like, how to honor this future you that is out there. You know, how to build your confidence. And we'll, we'll chat about here in a moment, about, like, the like, the real reason, like, why a lot of folks' confidence is lacking, talking about the ways that we can put more structure into our relationships, because people don't like to say, I'm going to put boundaries up, because that seems, you know, like they're keeping everything else. Like, no, it's not about putting walls up around. It's about putting walls up, but then putting some gates in with some quality guards that are there.Lesley Logan 23:05  Yeah, yeah. There's a lot of freedom in a boundary that people don't see it like they see it like as a cement wall. And it's like, well, it's actually just like, a guideline of how you can treat me in this situation. But okay. John Mollura 23:16  Yeah and then helping people understand the value of like focus, because so often when we're on these journeys, like, what are we doing? We're looking to that person over there, and then we're looking at their Instagram account, and then we're, you know, next thing, you know, you're completely side you know, you've spun yourself into the ground because you're looking at everybody else instead of keeping your eyes ahead. And then then finally, talking about helping people get into action. So that that's, that's kind of, those are kind of the ways that I've realized people have been sabotaging themselves. Like, okay, this is what they are, heads up, because awareness is so powerful. Yeah.Lesley Logan 23:52  Yeah, yeah. I mean, like, I I think, like, every time I think, like, something is like, not working, I can actually, if I just, like, take a moment after being upset about what's not working, so, oh, I actually tried to this by myself, or I guided this, like, focusing on, like, where my marks are. Where am I doing this, as opposed to, like, how is this impacting them? Why is this the thing that they need? Like, I can see, like, where I, like, got inwardly focused and sabotaged myself when really, like, I know the answer. And I guess what the cool thing is, you can actually pivot. You can actually just make changes once you're aware. But you have to be aware of these things to see them, yeah.John Mollura 24:34  Yeah and there and there's, there's, there's another component to that, which I found is really powerful, is that it's not just being aware, then it becomes very important that we're not judging ourselves with our awareness. Because when you're judging yourself and you're aware, like, I call that like, that's where the critic lives. Like, these are the people that have had their hearts stomped on, and they're like, never, this is never gonna work. This won't work. No one will want it like that's being judgmental and aware. Where we want to be is we want to shift into, like, what I call being the seeker mindset, which is where you're aware, but then you use, I know, one of your favorite words, which is curious. When we're aware and curious, man, that's where beautiful things happen, right? Yeah, that's where, like, we're a seeker, and we're like, this is where I want to go. I'm not really sure how I'm going to get there, but I'm going to start embracing this journey and seeing what resources and people I have that can help me get to there. And spoiler alert, that there is probably going to shift a little bit, but at least you're going towards that with awareness and curiosity.Lesley Logan 25:34  Oh, I love that you called out the judgment, because I think we can. It's so easy for us to like then be aware oh, here I am being my lone wolf and like, just like, continue going down the judgment zone, which is not where creativity nor confidence can live, by the way, like, judgment and gratitude can't live in the same place. Like, so yeah, it's a whole, it's a whole, those energies don't coexist very well. Okay, so can we talk a bit about confidence? Because, like, I do think, like, I find, first of all, I'm always shocked that people think that people like you or I struggle with confidence. And I think, like, it's really hilarious because, like, I just personally think that they see in us what they want for themselves. And so there's a projection that's happening, and us just doing the thing scared shitless. Like, like, it's what they think is confidence, and really it's like, well, I'm not going around with a sign on my shirt saying I'm scared shitless while I'm doing this, but also I am doing this because I know that if I do this sooner than I think I'm ready, I'm gonna get feedback, and when I get feedback, I can get better. Like, that's actually and then confidence is a byproduct, like, can we because I feel like people have a misinterpretation of what true confidence is. John Mollura 26:51  Right, right. So what confidence is, you know, the definition is a belief in yourself, a belief in your abilities. And I'm going to start this with a question. If I ask you, or most people, I'm sure your listeners are, listeners are all lovely, wonderful people, if I ask you or your listeners, like, when you make a commitment to somebody, like, do you show up to that person you've made the commitment to? Right? Like, pretty much 100% right? What if I tweak that question and said, How good are you at showing up when you've made a promise just to yourself?Lesley Logan 27:31  See, this is interesting, because this is where, like, I'm really good with myself, but I also know that, like, the time, I'm the first born, firstborn daughter, first born grandchild. There's like, the upholder in me is real. Like, if I don't have to tell anyone to do something, I'm going to do it. But that is also where perfectionism lives, so I have to be very mindful of that. Of like, am I doing it because I'm trying to be perfect, or am I doing it because I, like, I said I would do it so. But I actually know from studies that like the most people listening, they don't, they don't keep it to themselves. They keep it for everyone else but themselves.John Mollura 28:08  Right, and that and that right, there is the root, from all the research I've done that's actually the root of people's lack of confidence, is they're not showing up for themselves. Because here's what happens, is we're lying to ourselves. We say I'm going to wake up and go to the gym, or, I mean, this is the year I'm going to start eating healthier, or I'm going to floss my teeth every night. Like, pick, pick a commitment you've made to yourself. If we continually break these commitments time and time again, well, guess what? Our brain recognizes I can't trust me.Lesley Logan 28:44  Oh, there. It's, that's it. That's confidence. It's the ability to trust yourself. John Mollura 28:50  Right. Right? Right? Lesley Logan 28:53  That's so good, yes. John Mollura 28:55  Right, and people, when we're when we get into this headspace of, like, why can't I just do the thing like, why can't I start working out? Why can't I start this business? Why can't I have this critical conversation with somebody? They're like, what I don't understand, what's wrong with me? I work with them all the time that they say this and I say, what's causing it is, obviously the root is, you're not keeping promises to yourself on whatever it is, but because you keep your promise to everybody else, your brain kind of short circuits, because it's like, wait a minute, I do keep my promises. And it's like, no, you don't. So there's this like, weird dichotomy going on in your head, as they say, the only way to rectify that is just start keeping promises to yourself and start giving your brain a new set of data to work with, instead of this old set of data that that you with these promises that you've broken to yourself.Lesley Logan 29:47  Okay, yes to all that, because we get we allow our phones to get new data all the time. We allow scientists to give us new data. We allow so much grace for people to bring in new data and yet for ourselves were like, no, I'm gonna go on that old operating system, like.John Mollura 30:04  Yeah, you're like, working on a Commodore 64. Lesley Logan 30:06  Yeah, oh, yeah. Wait, so this is a funny example. So we've, we got a used car, car of my dreams. It's used, and it is amazing. It is a 2015 that has more technology than my 2020 does. And we, but we were like, Bluetooth-ing to it, which is kind of amazing for a 2015, car to have Bluetooth, right? Kind of amazing. And we're like, oh, it's skipping. I wonder how we update this thing. And it's got, you guys, it has a DVD player. Okay? Car has a DVD player. I didn't know. I was like, oh, it's got a CD player. Were people playing CDs in 2015? No, it doesn't connect to the internet, so it cannot update its system. Like, cannot. I'm gonna have to find some dude, I'm sure it exists here, who, like, can change an operating system. Well, at least that part of the car, right? I'm sure it exists where I live. But it cannot change. However, if we look at that, like, since 2015 how much has technology changed? How much have you changed? How much have you learned about yourself, and if you're still operating off the 2015 version of you, that is going to that is not going to be fun and also going to cause a lot of issues, because the whole world has updated 10 years.John Mollura 31:16  Right. Yeah. And the beautiful thing is, it might sound daunting, like, oh my gosh, I don't want to have to, like, reinvent myself. And how am I going to keep promises to myself? You know, I haven't done the thing that I said I was going to do. How am I going to even start doing it now? And I say, the beautiful thing is, about your brain is it doesn't recognize the magnitude of the promise you keep to yourself, like it doesn't recognize the difference between the promise of like, I'm going to climb Mount Everest or I'm going to floss my teeth every night. All it's doing is kicking the block saying, done, done, done, done, and then eventually you're going to hit, like, a critical mass where you're like, wait a minute. I'm just kind of doing things that I said I was going to do that's wild, because that's the beauty of taking small, consistent actions.Lesley Logan 32:08  Yeah, yeah. It's like, I love that you brought that up. We think we need, like, some sort of big goal to get going. And really, if you are not already consistently hitting things you say you were gonna do that is, like, a recipe for disaster. Like that is a self-sabotage in itself. Like it is, like, if you are, like, wanting to, like, just make sure you put another sabotage. You'll put a goal on. You'll put a habit on. Like, if you don't go the gym every day, you're like, I'm gonna go the gym five days this week. I don't even need a crystal ball to tell you that you won't. It is impossible to go from never putting your gym bag in the car, going to the gym, hitting the red lights, getting out, knowing where the equipment is, to get in a decent workout, to get the dopamine high that makes you want to go back again. Like it doesn't work. If you live in my town, every other day there's a new construction site. So you don't even get to go the same route, you know, so like, but you have to make it small so it's attainable. That's where you know that perfectionism stuff lies, because then people are like, well, if it's not, if I don't do it, if it's not all or nothing, then it's not worth doing. Like, how do you talk to yourself about doing a small thing? What did you do? John Mollura 33:19  Right. And a lot of that comes down to like that, like, you hit the nail on the head, where people are like, well, I don't have time to get in my hour long workout, so I'm going to do it. I'm going to do it tomorrow, because, you know, I strive for excellence, and I if it's not done right, it's not worth doing at all, which I say, time out. Like, what's better? 45 minutes of exercises, and maybe you don't do the squats and the overhead press for another set or zero? Like, it's perfectionism. This, this kind of all or nothing mentality, and I call these the big three, Lesley, there's perfectionism, there's procrastination, and then there's overthinking, right? Those are three big things that just derail us from doing the things that we want to do, or the things we say are so important from us. And the good news is about these three, perfectionism, procrastination and overthinking, is they all have the same root, like we don't focus on perfectionism because we really care so much about whatever it is. We don't procrastinate because we suck at time management. That's the story we tell ourselves. I'm just bad at time management.Lesley Logan 34:31  Yeah, we're not, because there's plenty of proof that you've, like, nailed some things on time, like. John Mollura 34:35  Right, right. We don't overthink because, you know, it's just so important to us that we think of every considerable contingency. The root of procrastination, perfectionism and overthinking, it's fear, and if we get a handle on fear being the root of procrastination, perfectionism and overthinking, now we can get honest with ourselves. We can start telling ourselves the truth of what am I so scared of?Lesley Logan 35:03  Yeah, yeah. I mean, that's the question of the day. John Mollura 35:08  Yeah. And it, and it goes back to when we first started here. I said I never came up with a plan, because if you don't have a plan, you can never fail, right? You never, you can never miss your target. So it's the same with procrastination or perfectionism. We find, I bet, if we're honest with ourselves, a lot of things we procrastinate the most on or get, you know, tangled up in perfectionism and overthinking are the things that are probably the closest to our heart and perfectionism, procrastination, overthinking are so convenient ways to hide because if you procrastinate for long enough, you never do the thing. And you can never fail. You try to keep making it perfect, which, spoiler alert, perfection doesn't exist, everybody. Excellence does not perfection. We never have to do the thing. And the reason why these are usually so coupled to the things that are so important to us is because one of our greatest fears as humans, I mean, like we're social creatures, right? One of our deepest fears of everybody is just the way we're wired, is to be kicked out of the tribe, the village, the clan, whatever it is. So a lot of times we resist most putting the things out that show the most of us, because we don't want people to reject us, reject what we're doing, because that taps on a very primal fear.Lesley Logan 36:37  Yes, oh, I mean, I mean, so much so, like, I remember not wanting to put out a YouTube video. My husband's like, you should be on YouTube. It's like, you know, 2014, I was like, no, no no, because people are gonna hate it, and they're gonna wonder, who they who am I to do this? There's other people who in my industry who have been teaching longer, and they should have the time. And he goes, I don't know who those people are. I don't care. You need to be on YouTube. And I remember being so scared, and I did the thing because I had to do it kicking and screaming with him, and no one actually got mad. And I was like, oh, then what am I actually afraid of? You know, like I was afraid of being kicked out of, like, the industry, like people would think that I'm some narcissist who thinks she knows everything, and really, what I do get instead, because I did it, is that people love how I show things imperfectly. I'm quite honest and candid about where I am. I'm very direct, and I'm I invite them to go there's actually, like, your body's gonna look different doing this. And so because, because I was, because I should have as me and focus on like the person viewing it, versus like me, it actually turned out to be the best thing I could ever done, because it's so much more authentic. And what I was afraid of didn't happen. In fact, I got brought into the community more, you know, like, and that's but, you know, here's the thing, it is true that whatever you want to do, you might get kicked out of your tribe. You might. There are, there are people who are assholes, and then probably, if you ask yourself, like, do I really, like, want to be in this tribe, not being my authentic self the and you know what I mean, like, I so you're gonna get a two by four to the head, is really what's gonna happen. But your tribe might come with you. You'd be surprised, like, how many people were like, Whoa, John or Lesley really did the thing. And I'm, I'm inspired by them, they actually might join in.John Mollura 38:31  Yeah, there's, there's a quote by CS Lewis that I absolutely love. You know, the dude who wrote The Chronicles of Narnia is he says friendship is born that moment that someone says, Wait a minute, you too? I thought I was the only one. Right? Lesley Logan 38:50  Well, John, I could talk to you forever about confidence and imposter syndrome. I really do love this topic. I'm so freaking glad this is what you're doing, because your journey has brought you here. And one of the reasons I wanted to have you back on the pod is, like, I think people get so hung up on like, well, I said I was going to be the photographer, so I've got to be the photographer. I made that switch. And the reality is is like, that could have just been the first next step for you. And so I really wanted people to see, like, what can happen. Look what can happen in three in three years. Like, that's kind of insane. Like, it sounds like a long time. It's not a long time. I can't believe this podcast has been this long. I feel like I just started it. So even though. John Mollura 39:36  That's really hitting you deep, isn't it? It's like the fifth time you mentioned.Lesley Logan 39:36  I know I might.John Mollura 39:36  Let's unpack that, Lesley. Lesley Logan 39:36  Well, here's what it is. The unpacking is, I actually don't think I'm getting older. I think I'm the same age I was when I moved to Vegas. Like I, actually, we moved here in June of 2020, so in two months, this will have lived here for five years. And It shocks me every day, because I feel like we just moved here. And so when things like this happen, or I meet my friend's kids I haven't seen a few years, I'm like, oh I have gotten older, and, like, not that I'm scared of getting older. That's not it at all. It's just that I actually haven't noticed that. I haven't noticed how much time has flown. And I think one, it's good to notice it, because you can celebrate all that you have done in the last three years. It's kind of epic, right? And then two, time is always going and so what are we doing with that time? You know, if you are procrastin on something, I hope that the five times I mentioned, like, how long it's been, you realize, if you were with us on episode 120 and you still haven't done the thing you wanted to do, like, this is your sign. John Mollura 40:37  Yeah, here's your two by four. Lovingly swung by Lesley and John. Lesley Logan 40:41  Yeah, yeah. I mean, like, I think that's really the unpacking. It's like, I hope that people who have have listened from that episode on have either noticed their sabotaging moments or are going, oh my goodness, it has been three years. Okay. What can I do today? You know, like, what can I do to be it till I see it today? Like, that's what I hope. Let me get this, anyways, we're gonna take a brief break and we can find out where people can find you, follow you, work with you. John Mollura 41:08  Super duper. Lesley Logan 41:10  Hi, John. Where do you hang out? Where can they take your group or your coaching or watch a keynote? Where's it all happening?John Mollura 41:18  Yeah, so they can go to johnmollura.com J-O-H-N-M-O-L-L-U-R-A dot com, and there is a fun little button there that says, schedule a free call with John. And it is truly that. It is a free call with me, because I just love to chat with people and see where they're at. It's not a sales call. It's just, I love having conversations with people about that. So johnmollura.com they can also download the free resources, the six leverage points for success that I talked about, and they can also get my Elite Level Confidence Blueprint. So there's actually two free resources there. They are under the free stuff tab, creatively titled, but yeah. Just love to connect with people. I post regularly on Instagram, little daily things there my thoughts and musings, and sometimes there's just funny stuff or bloopers. So, John Mollura on Instagram.Lesley Logan 42:09  I love it. Okay, you have given us so many things. And obviously those freebies sound like a Be It Action Item all in themselves, but what bold, executable, intrinsic or targeted steps can people take to be it till they see it? John Mollura 42:19  Right. So when you face these decisions, moment to moment, minute to minute, hour to hour, day to day, when you hit those decision points, you need to ask yourself, is what I'm going to do or not do going to cause me to be a hero to the future you? Is it when I meet the future you in the future, is it going to be standing there like downtrodden, tired, disappointed that we didn't go after it, or when you meet the future you, is it going to just like high five you and give you a big hug and say, thank you for honoring me, thank you for doing the thing in that moment.Lesley Logan 42:19  Oh, I love that. Oh, that's so fun. John Mollura 42:38  Yeah, super deep. Lesley Logan 42:48  That's great. I think that's such an impactful way to explore the fear, too. Yeah, guys, how will you use that tip in your life? Make sure John knows. Make sure you share it with the Be It Pod. Also share this episode with a friend. You know those friends who like keep overthinking the thing or procrastinating send it to them, they will only notice at this moment that why you're sending it to them. But like, you know, sometimes people need to hear it from someone else in a different word or just a different time, and so that's how we actually all rise up. We need to do it together. That's what makes your sandbox with your boundaries a more playful place, because everyone is understanding where that's coming from. So thank you for listening. John, thank you for being here. Fun to catch up with you. It's so good. We'll have to, we have to see each other in real life at some point. But, you guys, you know what to do. Until next time, Be It Till You See It. Lesley Logan 43:54  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 44:36  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 44:41  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 44:46  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 44:53  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 44:56  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Mike Grimes, is co-owner of  Grimey's Records which he founded in 1999 with the 8,000 LPs and CDs he amassed over years of working record retail and music distribution jobs. Grimey's is considered by many the premiere record store in Nashville, TN and has been recognized by many as an international favorite. Mike is also co-owner of The Basement and The Basement East, two high profile live music venues in Music City, The Basement, celebrating 15 years in operation and The Basement East, 5 years in 2020.  The OG Basement, a 150 capacity room has been an incubator of local and National upcoming talent since 2005 hosting early performances by Mumford and Sons, The Lumineers, Kacey Musgraves, Brothers Osborne and landing special one off appearances with Keith Urban and (in partnership with Grimey's) Metallica who performed a secret show that was performed and released as Metallica ‘Live At Grimey's'. The Basement East is a 600 capacity room who's profile has risen quickly hosting shows with The Struts, Hold Steady, Krungbin, John Prine, Kris Kristofferson, Luke Combs, Old Dominion and many more. Mike is a husband, father and graduating member  of the Leadership Music Program, class of 2010.https://www.thebasementnashville.com/https://m.facebook.com/guiltynashville/about/?ref=page_internal&mt_nav=0https://www.facebook.com/michael.j.grimes.3Host - Trey Mitchelltreymitchellphotography IGfeeding_the_senses_unsensored on IGtrey mitchell: facebook.com/profile.php?id=100074368084848For sponsorship Information or submitting for interviews -  ftsunashville@gmail.comTheme Song - Damien HorneTake It From Me @damienhorne

Karl Schagerl is a leading figure in the world of instrument making since he joined his family's business in 1976. Based in Mank, Austria, Karl has worked and collaborated with a long list of world-class artists, a few of which include Hans and Thomas Gansch, James Morrison, Gabor Tarkovi, and Selina Ott.Dr. Jack Burt, is a distinguished professor of trumpet and performing artist who has contributed extensively to the trumpet community, both as an educator and a performer. Jack's connection to Karl began with a chance introduction through mutual musical interests, leading to a lasting collaboration.In this conversation, we'll explore the fascinating story of how Karl and Jack first connected, sparked by a shared love for Austrian folk flugelhorn duets and a chance recommendation from jazz legend Peter Erskine. Jack talks about how he first reached out to Karl for some music and CDs, which eventually led to their meeting at a brass concert years later. Karl shares how this initial interaction grew into a professional friendship with plenty of stories and impactful insights along the way.[Subscriber Content] In the remainder of the discussion, Karl reveals more about the business side of Schagerl Instruments, discussing their global outreach and how they've continued to innovate in response to evolving musical demands.Would you like more inspirational stories, suggestions, insights, and a place to continue the conversations with other listeners? Visit anthonyplog-on-music.supercast.com to learn more! As a Contributing Listener of "Anthony Plog on Music," you'll have access to extra premium content and benefits including: Extra Audio Content: Only available to Contributing Listeners. Podcast Reflections: Tony's written recaps and thoughts on past interviews, including valuable tips and suggestions for students. Ask Me Anything: Both as written messages and occasional member-only Zoom sessions. The Show's Discord Server: Where conversations about interviews, show suggestions, and questions happen. It's a great place to meet other listeners and chat about all things music! Can I just donate instead of subscribing? Absolutely! Cancel at anytime and easily resubscribe when you want all that extra content again. Learn more about becoming a Contributing Listener @ anthonyplog-on-music.supercast.com!

We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.

In today's episode, I'm speaking with podcaster Andy Last, host of the Beyond Synth podcast.  Andy is one of the few people I have talked with that has been doing this longer than I am - he has been doing his show, discussing synthwave music and the artists that make it, since 2013.We had a great, lengthy conversation about podcasting, the ups and downs of collaboration, the joys of compulsions of solo creative work, and a lot on the nature/pros/cons of generative AI (which, like it or not, is being built into many of the tools that we use on a regular basis).  This was one of the longer conversations I have recorded but I decided to not break it up into multiple parts since the overall themes of the conversation were consistent all the way through.   If you into electronic music, especially synthwave/retrowave/retro 80s/whatever you call it, definitely check out Andy's show.  There is obviously a ton of great music but also years of interviews from music producers behind the music that is super educational if you are into making music yourself.  Check it out on:-Spotify (https://open.spotify.com/show/7Lu2RkM4aZr7AnJ2HHPyBV?si=04c77944ec184d41)-Apple Podcast (https://podcasts.apple.com/us/podcast/beyond-synth/id979062058)-Patreon (https://patreon.com/beyondsynth)Thanks, Andy, for being a guest on the show, and thanks for listening!∞∞∞∞∞∞∞Once Upon a Dream, the second Thirteenth Hour soundtrack, is now out in digital form and on CD!   It is out on most major streaming services such as Bandcamp, Spotify, and YouTube Music.  (If you have no preference, I recommend Bandcamp since there is a bonus track there and you will eventually be able to find tapes and special editions of the album there as well.)  The CDs are out now!-Check out the pixelart music videos that are out so far from the album:-->Logan's Sunrise Workout: www.youtube.com/watch?v=K7SM1RgsLiM-->Forward: www.youtube.com/watch?v=Z9VgILr1TDc-->Nightsky Stargazing: www.youtube.com/watch?v=2S0p3jKRTBo-->Aurora's Rainy Day Mix: https://youtu.be/zwqPmypBysk∞∞∞∞∞∞∞∞ Signup for the mailing list for a free special edition podcast, a demo copy of The Thirteenth Hour, and access to retro 80s soundtrack!Like what you see or hear? Consider supporting the show over at Thirteenth Hour Arts on Patreon or adding to my virtual tip jar over at Ko-fi. Join the Thirteenth Hour Arts Group over on Facebook, a growing community of creative people.Have this podcast conveniently delivered to you each week on Spotify,  iTunes, Stitcher, Player FM, Tunein, and Googleplay Music.Follow The Thirteenth Hour's Instagram pages: @the13thhr for your random postings on ninjas, martial arts, archery, flips, breakdancing, fantasy art and and @the13thhr.ost for more 80s music, movies, and songs from The Thirteenth Hour books and soundtrack.Listen to Long Ago Not So Far Away, the Thirteenth Hour soundtrack online at: https://joshuablum.bandcamp.com/ or Spotify.  Join the mailing list for a digital free copy.  You can also get it on CD or tape.Website: https://13thhr.wordpress.comBook trailer: http://bit.ly/1VhJhXYInterested in reading and reviewing The Thirteenth Hour for a free book?  Just email me at writejoshuablum@gmail.com for more details!

In this episode, we discuss recordings of “Vivaldi 8+, Volume 2” (Signum) by La Serenissima & Adrian Chandler, “Ravel: The Flute Album” (Aparté) by Julien Beaudiment, Célia Oneto Bensaid & Karine Deshayes, “Gaïa” (Erato) by Gautier Capuçon, “Growing Roots” (Tom-Tom Records) by the Zoltán Kalmár Quartet, “Rust” (Hypnote Records) by Amaury Faye & NOLA Quartet, and “Smoke Shifter” (Otherly Love Records) by the Chad Taylor Quintet.   The Adult Music Podcast is featured in: Feedspot's 100 Best Jazz Podcasts   Episode 236 Deezer Playlist   Fair use disclaimer: Music sample clips are for commentary and educational purposes. We recommend that listeners listen to the complete recordings, all of which are available on streaming services in the links provided. We also suggest that if you enjoy the music, you consider purchasing the CDs or high-quality downloads to support the artists.   “Vivaldi 8+, Volume 2” (Signum) La Serenissima, Adrian Chandler https://open.spotify.com/album/3hU2lWUtJ72N51KRdF5yXe https://music.apple.com/us/artist/la-serenissima/107516292 https://music.amazon.com/albums/B0FPMQY7CL   “Ravel: The Flute Album” (Aparté) Julien Beaudiment, Célia Oneto Bensaid, Karine Deshayes https://open.spotify.com/album/2nZOSXPhO0EIz45LBTMh4q https://music.apple.com/us/album/ravel-the-flute-album/1824333181 https://music.amazon.com/albums/B0FGGQZ9RD   “Gaïa” (Erato) Gautier Capuçon https://open.spotify.com/album/6l3JRf1uM8DZLR7mmxi4jl https://music.apple.com/us/album/gaïa/1821724442 https://music.amazon.com/albums/B0FDS3W7GQ   “Growing Roots” (Tom-Tom Records)  Zoltán Kalmár Quartet https://open.spotify.com/album/1MCmBRDgZvWzUDHbnms4yz https://music.apple.com/us/album/growing-roots/1847621291 https://music.amazon.com/albums/B0FX54XYC7   “Rust” (Hypnote Records)  Amaury Faye & NOLA Quartet https://open.spotify.com/album/4OsGsUmunboaDQbAb1tA0e https://music.apple.com/us/album/rust/1850766717 https://music.amazon.com/albums/B0FSDLW6P4   “Smoke Shifter” (Otherly Love Records) drum quintet, 11/14/2025 Chad Taylor Quintet https://open.spotify.com/album/2a28CVCb8OfAOs2rkeAP5i https://music.apple.com/us/album/smoke-shifter/1823115618 https://music.amazon.com/albums/B0FFS9TVLC

[깊이 있는 경제뉴스] 1) 명륜진사갈비, 가맹점에 불법 대부업 혐의.. 검찰 송치 2) 3차 상법 개정안, 자사주 처분 주주총회에 맡긴다? 3) 가덕도공항, 공기 늘려 재입찰.. 35년 개항 목표 - 정지서 연합인포맥스 기자 - 조미현 한국경제신문 기자 [친절한 경제] CDS 프리미엄이란 무엇인가요? - 청취자 이용우 씨

Im vergangenen September, am 16. ganz genau, wäre er 100 Jahre alt geworden: B.B.King. Vater und Mutter waren Farmpächter, er selbst Traktorfahrer, wurde zum König des Blues, mit unzähligen Schallplatten und CDs, 1957 die erste, 2008 die letzte, insgesamt 43. Geboren in einem Weiher namens Berclair, Mississippi, aufgewachsen in Indianola, Mississippi, ging er 1946 nach Memphis, Tennessee, arbeitete als DJ, war Teil der Blues-Szene der Beale Street (dem Vergnügungsviertel der Afro-Amerikaner), machte Aufnahmen bei Sun-Record und wurde ein Freund von Elvis. King steht für eine Musik aus einer Gegend, die man Delta nennt, Mississippi Delta. Wir sind in Memphis, in einem seiner Clubs, dem "B.B.King's Blues Club", unsere Reise geht nach Indianola, wo es seit einigen Jahren das "B.B.King Museum and Delta Interpretive Center" gibt, und wir lernen eine seiner Töchter kennen, die, mit ihrem Vater auf Tour, an ein paar Orte in Deutschland erinnert. Eine Zeitreise, eine Zeitgeschichte somit, eine Geschichte des einzigen Blues-Musikers, der, im Zusammenhang mit der Geschichte der Südstaaten, sein eigenes Museum hat. Und dort auch begraben liegt.

Join this channel to get access to perks such as Weekly Zoom Calls & Private Discord!! https://www.youtube.com/channel/UC4BqTVQA1pCwe9QaEPwD3MQ/join Free 30 Day Trial to Go2Lister https://www.go2lister.com/mike I help teach people how to make money selling books on Amazon, leveraging the platform's vast reach and the profitability of reselling used books. How to sell books on Amazon? Selling books on Amazon can be an excellent side hustle or a full-time endeavor, particularly if you enjoy thrifting through places like Goodwill for hidden treasures. How to start selling on Amazon is accessible, and with my guidance on how to sell books, DVDs, CDs, and other media, beginners can quickly learn the ropes. Utilizing Amazon FBA streamlines operations, allowing sellers to focus more on sourcing and less on logistics. As a reselling coach, I provide tutorials and guidance on navigating challenges like ungating and optimizing listings for maximum visibility and sales. Whether you're looking for a part-time side hustle or aiming to become a full-time reseller, I will teach you the ins and outs of thrifting books and selling books online and can pave the way to creating passive income streams and achieving business growth.

Money can so easily capture our hearts. It promises security, comfort, and control—but often leaves us anxious and striving for more. Yet when we give, something remarkable happens. We're declaring our dependence on God, not our bank accounts.Dr. Art Rainer—founder of the Institute for Christian Financial Health and author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose—joined us recently to explore how generosity becomes an act of trust that transforms our hearts and deepens our faith.Money Reveals the HeartLarry Burkett often said, “Every spending decision is a spiritual decision.” Dr. Rainer agrees.“Jesus said, Where your treasure is, there your heart will be also,” Art explained. “The Bible makes it clear—money management reflects heart management.”Scripture contains over 2,000 verses about money and possessions. Why? Because few things so clearly reveal what—or whom—we truly trust. For believers, the central question is this: Do we believe God's promises about provision, and are we willing to surrender this area of life to Him?Giving as an Act of TrustDr. Rainer describes giving as a tangible expression of faith. “God doesn't tell us to give and then leave us hanging,” he said. “He ties promises to generosity.”Those promises fall into three beautiful truths—God will provide, multiply, and enrich.1. God Promises to ProvideIn Malachi 3:10, the Lord declares:“Bring all the tithes into the storehouse so there will be enough food in my Temple. If you do, I will open the windows of heaven for you and pour out a blessing so great you won't have enough room to take it in. Try it! Put me to the test!”“God invites us to trust Him,” Art said. “He promises to pour out an abundance of blessings—not necessarily material wealth, but blessings that can be spiritual, relational, or emotional. Maybe it's the contentment you've been chasing for years, or the joy of being part of something far greater than yourself.”2. God Promises to MultiplyIn John 6, a young boy offers his five loaves and two fish to Jesus—hardly enough to feed five thousand hungry people. Yet Christ multiplies that small gift until everyone is satisfied, with twelve baskets left over.“Many of us feel like that boy,” Art said. “We look at our meager resources and wonder, What difference can this make? But God is a God of multiplication. He can take whatever you give and expand it to accomplish His purposes. That's His promise—but it requires trust.”3. God Promises to EnrichWho doesn't love a good return on investment—or ROI? “God does too,” Art said.In 2 Corinthians 9:11, Paul writes, “You will be enriched in every way so that you can always be generous.”“God gives so that we can give,” Art continued. “He blesses so that we can bless others. He's looking for conduits of generosity—people through whom His blessings can flow. When we live that way, generosity becomes not just a habit, but a way of life.”Trusting God With Your MoneyAs Dr. Rainer summed it up:“Generosity is an act of trust. It shifts our hearts from reliance on ourselves and money to reliance on God. If you're a Christian, you've already trusted Him with your soul. It's time to trust Him with your money.”When we give generously, we're not losing—we're investing in eternity. We're saying, “Lord, I believe You are my provider.” And that's one of the clearest ways to live out genuine faith.Learn more about Dr. Art Rainer's work at ChristianMoneySolutions.com.On Today's Program, Rob Answers Listener Questions:I'm 69 with no debt and considering a whole life insurance policy—$100,000 with premiums for 10 years—to leave tax-free money to my children. I already have a term policy that ends at 75. I also have $28,000 in an underperforming annuity with no surrender charge, and was advised to do a 1035 exchange into a new annuity at 4.65% for seven years. I've also invested in CDs at 4% and am considering high-yield savings accounts. What's the best strategy moving forward?My in-laws are around 80 and have fully matured savings bonds. When they used some for home upgrades, they faced a large tax bill. Is there any way to move or reinvest those bonds to delay or avoid taxes—perhaps into an IRA or Roth IRA?I manage finances for someone receiving annual settlement payments until 2036. He wants to create a trust now to support three families, but his lawyer recommends keeping the money in savings while he's alive. The payer says a trust can be set up after his death. Should he establish the trust now or wait?I'm debt-free and have my cash in a high-yield savings account, but rates are dropping. Should I invest some of it or find another way to protect and manage my money?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Money in the Light of Eternity: What the Bible Says about Your Financial Purpose by Dr. Art RainerThe Institute for Christian Financial HealthChristian Money SolutionsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Christian Community Credit Union (CCCU)GainbridgeWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this insightful episode, Rhonda sits down with Georgia-based attorney and author Bree Sullivan-Howell to unpack the emotional and legal realities of navigating divorce. From keeping your strategy private to the power of preparation, this conversation offers clear, actionable guidance for women in the thick of the process. Bree shares hard-earned wisdom on: Why empowering clients with homework is key to long-term confidence How oversharing—even with friends—can hurt your case The emotional traps to avoid when communicating with your ex How to prepare for court with clarity, calm, and compelling evidence Why being "the voice of reason" in court is often your best legal strategy How to build and protect your inner circle during this pivotal time The underestimated power of silence—and when to use it You'll also hear faith-based encouragement and a few of Bree's favorite quotes and verses that have carried her—and her clients—through the toughest chapters.

“Childhood passions aren't distractions—they're the early whispers of the soul.”“童年的热爱，不是浪费时间，而是灵魂的启蒙。”When I was little, I loved spending time playing with my neighbors or school friends. One of my greatest passions back then was collecting stickers. At school, exchanging sticker books became almost like a “social ritual.” During our short ten-minute breaks, we would quickly swap our sticker books and pick out our favorite stickers to trade. If someone liked one of my stickers but didn't have anything I wanted, I would even “name a price” and sell it to her. That tiny act of buying and selling unexpectedly taught me the joy of making a deal. Looking back, maybe that was the first time I felt like a little entrepreneur—discovering how fun trading could be.小时候，我最喜欢跟邻居或学校的朋友一起玩。我当时最热衷的一个兴趣，就是收集贴纸。在学校，交换贴纸簿几乎是一种“社交仪式”。短短的10分钟下课时间，我们会迅速交换贴纸簿，挑出想要的贴纸来交换。如果有同学喜欢我的贴纸，但她的贴纸簿里没有我喜欢的，我还会“开价”卖给她。这个小小的买卖过程，竟然让我体会到交易的乐趣。现在回想，那大概是我第一次感受到当“小小创业家”的成就感——原来买卖可以这么好玩！Because my dad was always busy working, he tended to give me a bit more pocket money, perhaps out of a sense of compensation. To me, that money felt like an adventure passport. Every summer vacation brought me pure excitement because it meant two whole months of freedom. I spent nearly every day at Tom's World arcade and the small theme park next to it. I was always playing Whac-A-Mole, riding the pirate ship, or dropping from the free-fall ride just to feel that rush of adrenaline. The atmosphere was filled with electronic game sounds, children's laughter, and the tiny sense of achievement after winning a game.因为爸爸工作很忙，也许是补偿心理，他常常给我比较多零用钱。对当时的我来说，零用钱就像是冒险的通行证。每到暑假我都超兴奋，因为那代表两个月的完全自由。我几乎天天报到汤姆熊游乐场，以及旁边的小型主题乐园。我不是疯狂打地鼠，就是坐上海盗船和自由落体，感受心跳加速的刺激。耳边充满了游戏机的电子音、小孩的欢笑声，还有每次赢得游戏后那种微小而满足的成就感。I also enjoyed going alone to rent videotapes and then curling up at home watching Japanese cartoons and dramas. I had a little habit: once I started a show, I had to finish it in one go, or my heart felt unsettled. Because of that, I often stayed up all night—but knowing that I didn't need to go to school the next day made everything feel deliciously liberating.除了游乐场，我也很爱一个人去租录影带，回家窝着看日本卡通或日剧。我有个小习惯：只要开始追剧，就一定要一口气看完，不然心里不踏实。因此我经常熬夜到天亮，但想到隔天不用上学，心里就觉得特别自由，仿佛拥有全世界。Looking back, my childhood free time was filled with boundless curiosity and passion. Whenever something interested me, I could devote myself to it for hours—sometimes repeating it dozens of times without ever getting bored. For a period of time, I was deeply obsessed with Western and Japanese music. I loved buying my favorite CDs and concert videotapes. My favorite boy band was Boyzone, and I watched their concert video more than forty times before I finally pressed the stop button.回头看，我的童年空闲时光充满了无拘无束的探索与热情。只要遇到感兴趣的事情，我可以全心投入好几个小时，甚至重复做几十遍也不会腻。有段时间我深深迷上西洋和日本音乐，特别爱买CD和演唱会录影带。我最喜欢的男子团体是 Boyzone，他们的演唱会录影带我大概看了超过 40 次才舍得按暂停。That love unexpectedly sparked my self-taught English journey. I would study the lyrics carefully, look up unfamiliar words with an electronic dictionary, and write them onto vocabulary cards I carried everywhere. I memorized them repeatedly on the bus to school. Without realizing it, I had collected quite a strong set of English vocabulary. When I found out that Boyzone was coming to Taipei for a concert, I almost jumped with excitement and begged my dad to let me go to Taipei for it. That concert not only let me meet my idols but also gave me my first-ever solo airplane experience—I was only seventeen.也正是这份热爱，意外开启了我自学英文的旅程。我会研究歌词，用电子词典查生字，再抄到单字卡上，带着上学路上反覆背诵。在不知不觉中，我累积了一大堆英文单字。有一次知道 Boyzone 要来台北开演唱会，我兴奋到差点跳起来，立刻央求爸爸让我去台北。那次演唱会不只让我见到偶像，也让我第一次独自搭飞机——当时我才 17 岁。Now, when I look back, those seemingly ordinary childhood moments were actually full of infinite possibilities. Every small passion and every little discovery became a shining fragment on the path of my growth.现在回想，那些看似平凡的童年时光，其实充满了无限可能。每一个小小的兴趣、每一次探索，都是我成长路上闪闪发亮的珍贵片段。我的网站：flywithlily.com

This week, we travel from Ireland to Canada to California. Hear Gerry O'Connor, The Gothard Sisters, The Irish Rovers, and new music from May Will Bloom. Discover heartfelt songs and driving reels that keep Celtic traditions alive, on the Irish & Celtic Music Podcast  #735  -  -  Subscribe now! Gerry O'Connor, Eloise & Co., The Gothard Sisters, Elizabeth Sutherland, The Irish Rovers, May Will Bloom, The McDades, Celia Farran, Faoileán, Piskey Led, Larkin & Moran Brothers, Derina Harvey Band, Caliceltic, Callán, Ashley Davis Band GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items with what's happening with Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have until December 4 to vote for this episode. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2 - 3 weeks. THIS WEEK IN CELTIC MUSIC 6:45 - Gerry O'Connor "O'Connor4 (Reels)" from Last Night's Joy 5:01 - WELCOME 6:40 - Eloise & Co. "Janet's/Angel Rocks" from avec Elodie 10:22 - The Gothard Sisters "Golden Secrets" from Moment in Time 13:55 - Elizabeth Sutherland "Evening Reflection" from Forest Dreams 17:16 - May Will Bloom "Star of the County Down" from Single 21:11 - FEEDBACK 26:25 - The Irish Rovers "Oh Dear Me" from No End in Sight 29:49 - The McDades "November 8th" from The Empress 33:36 - Celia Farran "California Ireland" from The Bard of Armagh:  A Tribute to Tommy Makem 36:44 - Faoileán "Far Hills of Canada" from Far Hills 42:36 - Piskey Led "Blackbird of Mullaghmore" from Piskey Led 47:27 - THANKS 49:37 - Caliceltic "Stumbling Distance" from Paddy Paradise 52:09 - Larkin & Moran Brothers "Muirsheen Durkin" from Éistigí 54:12 - Derina Harvey Band "The Fallen Man's Daughter" from Waves of Home 58:30 - Callán "Road From Donegal" from Bloody Callán 1:03:31 - CLOSING 1:04:38 - Ashley Davis Band "Not Today (feat. Mick McAuley)" from When the Stars Went Out 1:08:15 - CREDITS Support for this program comes from International speaker, Joseph Dumond, teaching the ancient roots of the Gaelic people. Learn more about their origins at Sightedmoon.com Support for this program comes from Cascadia Cross Border Law Group, Creating Transparent Borders for more than twenty five years, serving Alaska and the world. Find out more at   www.CascadiaLawAlaska.com Support for this program comes from Hank Woodward. Support for this program comes from Dr. Annie Lorkowski of Centennial Animal Hospital in Corona, California. The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor. Finally, remember. Clean energy isn't just good for the planet, it's good for your wallet. Solar and wind are now the cheapest power sources in history. But too many politicians would rather protect billionaires than help working families save on their bills. Real change starts when we stop allowing the ultra - rich to write our energy policy and run our government. Let's choose affordable, renewable power. Clean energy means lower costs, more freedom, and a planet that can actually breathe. Promote Celtic culture through music at http://celticmusicpodcast.com/. WELCOME THE IRISH & CELTIC MUSIC PODCAST * Helping you celebrate Celtic culture through music. I am Marc Gunn. I'm a Celtic musician and also host of Pub Songs & Stories. Every song has a story, every episode is a toast to Celtic and folk songwriters. Discover the stories behind the songs from the heart of the Celtic pub scene. This podcast is for fans of all kinds of Celtic music. We are here to build a diverse Celtic community and help the incredible artists who so generously share their music with you. If you hear music you love, please email artists to let them know you heard them on the Irish and Celtic Music Podcast. Musicians depend on your generosity to release new music. So please find a way to support them. Buy a CD, Album Pin, Shirt, Digital Download, or join their community on Patreon. You can find a link to all of the artists in the shownotes, along with show times, when you visit our website at celticmusicpodcast.com. Or email follow@bestcelticmusic to learn how to subscribe to the podcast. I will send you a free music - only episode. If you're in a Celtic band, you will also learn how to get your music played on the podcast and get a free eBook called Celtic Musicians Guide to Digital Music. It's 100% free. Again email follow@bestcelticmusic FOLLOW OUR KICKSTARTER PRE - LAUNCH PAGE I just setup a pre - launch page for our next Kickstarter in January. Once again, this will be for funding a Best of 2025 compilation album on CD or Album Pin or even as a Shirt. Follow the link in the shownotes, so you can be the first to get a copy of our next compilation. Only 100 CDs and 100 album pins will be made. Follow the Kickstarter. HAVE YOU HEARD OF ALBUM PINS? Just like this podcast, they are changing the way we hear Celtic music. There were several folks who showed at the Irish & Celtic Music Podcast booth at IrishFest Atlanta. Several people were confused about the album pins I talk about on this show. So I thought I'd share details. An album pin is a lapel pin. Each pin is themed to a particular album I've released. You get a digital download of the album. And then you can wear your help. It's fashion and music combined as one. My pins are beautifully designed and wood burned locally. This makes them better for the environment. If you want to learn more about Album Pins, you can read more about them on my celtfather.Substack.com or just buy one at magerecords.com THANK YOU PATRONS OF THE PODCAST! Your support makes the Irish & Celtic Music Podcast possible, nearly every week of the year. You're not just funding a show. You're fueling a movement that shares the magic of Celtic music with thousands around the world. Your generosity covers everything from audio engineering and artwork to the Celtic Music Magazine, show promotion, and buying music from independent Celtic artists. If you're not a patron yet? You're missing out! You get ✨ Early access to episodes

How does the Federal Reserve actually supply liquidity to the financial system? And why have markets become so dependent on the Fed since 2008? Lance Roberts & Michael Lebowitz break down the complete Fed liquidity toolkit—from QE and QT to the Standing Repo Facility, IORB, ON RRP, OMO, and the Discount Window—and explain why these tools create the “floor and ceiling” of overnight rates. 0:00 - INTRO 0:18 - Nvidia Kill It; Rate Cut Odds Decline 4:06 - Markets Under Pressure; Setting Up for Rally 10:29 - Markets' Post-Nvidia Relief Valve 15:53 - Oracle, CoreWeave, and CDS's Explained 18:24 - Is There Enough Credit to Fund AI Buildouts? 20:30 - Financial Markets are Like Consumers - they'll find the money 22:16 - Begging for ETF's - Be careful what you ask for 25:20 - Centralized Financial Markets are Swallowing BitCoin 28:24 - How the Fed Controls Liquidity 30:11 - Why is There Stress in the Liquidity Markets? 37:18 - The Linkage Between Liquidty & Function of Economy 39:04 - The Fed is Closer to QE Than Anyone Thinks 39:54 - Today's YouTube Poll 41:14 - What Will Markets Do Today?

How does the Federal Reserve actually supply liquidity to the financial system? And why have markets become so dependent on the Fed since 2008? Lance Roberts & Michael Lebowitz break down the complete Fed liquidity toolkit—from QE and QT to the Standing Repo Facility, IORB, ON RRP, OMO, and the Discount Window—and explain why these tools create the "floor and ceiling" of overnight rates. 0:00 - INTRO 0:18 - Nvidia Kill It; Rate Cut Odds Decline 4:06 - Markets Under Pressure; Setting Up for Rally 10:29 - Markets' Post-Nvidia Relief Valve 15:53 - Oracle, CoreWeave, and CDS's Explained 18:24 - Is There Enough Credit to Fund AI Buildouts? 20:30 - Financial Markets are Like Consumers - they'll find the money 22:16 - Begging for ETF's - Be careful what you ask for 25:20 - Centralized Financial Markets are Swallowing BitCoin 28:24 - How the Fed Controls Liquidity 30:11 - Why is There Stress in the Liquidity Markets? 37:18 - The Linkage Between Liquidty & Function of Economy 39:04 - The Fed is Closer to QE Than Anyone Thinks 39:54 - Today's YouTube Poll 41:14 - What Will Markets Do Today?

Linda Schatz, Director of AKASA, explains the role of Clinical Documentation Integrity (CDI) specialists in ensuring accurate coding and bridging the gap between clinical documentation and specific, accurate codes to ensure proper reimbursement. The complexity of medical coding often leads to errors, which can be nearly eliminated by using AI to review 100% of patient encounters to identify inconsistencies and help CDI and coding professionals process more accurate claims quickly. Accurate documentation is important for hospital revenue, patient care quality, and perception of the hospital's performance. Linda explains, "Well, the old adage, if it isn't documented, it wasn't done. If the doctor uses incorrect or perfectly acceptable medical terminology, it doesn't translate into an appropriate code. You've heard the term UIs, this is years ago, right? Grandma had UTIs and died. In the coding world, that used to code for a simple UTI. So the hospitals are getting paid for a patient that took care of a UTI, when in reality that patient was septic. To the outside world, it looks like Grandma came to the hospital, something that could have been treated outpatient, and she died. So the public perception of quality is less. So not only is it revenue, it's quality, but ultimately it's delivering patient care."   "I'm an old nurse. I've been in this field for over 40 years. I've worked across the NICU, PICU, and adult ICU. I've worked in access hospitals to large academics and all the way through hospice. That's pretty unique as a nurse to have that big of a background. Then I became a CDS, or clinical documentation specialist, or integrity specialist, and learned the documentation and coding aspect." "Then I moved into the consulting role and worked with organizations and physicians all across this nation, helping them learn how to do this. And so you've got the clinical background, the coding background, and now I understand how generative AI works. And so while you're a new nurse, you're a horse, right? When we hear a heartbeat, we think of a horse, and after years, you earn your stripes and you become a zebra, and then you add all of these multiple areas of expertise, you become uniquely valuable as a pink zebra."  #AKASA #GenAI #CDI #RevenueCycleManagement akasa.com Download the transcript here

Linda Schatz, Director of AKASA, explains the role of Clinical Documentation Integrity (CDI) specialists in ensuring accurate coding and bridging the gap between clinical documentation and specific, accurate codes to ensure proper reimbursement. The complexity of medical coding often leads to errors, which can be nearly eliminated by using AI to review 100% of patient encounters to identify inconsistencies and help CDI and coding professionals process more accurate claims quickly. Accurate documentation is important for hospital revenue, patient care quality, and perception of the hospital's performance. Linda explains, "Well, the old adage, if it isn't documented, it wasn't done. If the doctor uses incorrect or perfectly acceptable medical terminology, it doesn't translate into an appropriate code. You've heard the term UIs, this is years ago, right? Grandma had UTIs and died. In the coding world, that used to code for a simple UTI. So the hospitals are getting paid for a patient that took care of a UTI, when in reality that patient was septic. To the outside world, it looks like Grandma came to the hospital, something that could have been treated outpatient, and she died. So the public perception of quality is less. So not only is it revenue, it's quality, but ultimately it's delivering patient care."   "I'm an old nurse. I've been in this field for over 40 years. I've worked across the NICU, PICU, and adult ICU. I've worked in access hospitals to large academics and all the way through hospice. That's pretty unique as a nurse to have that big of a background. Then I became a CDS, or clinical documentation specialist, or integrity specialist, and learned the documentation and coding aspect." "Then I moved into the consulting role and worked with organizations and physicians all across this nation, helping them learn how to do this. And so you've got the clinical background, the coding background, and now I understand how generative AI works. And so while you're a new nurse, you're a horse, right? When we hear a heartbeat, we think of a horse, and after years, you earn your stripes and you become a zebra, and then you add all of these multiple areas of expertise, you become uniquely valuable as a pink zebra."  #AKASA #GenAI #CDI #RevenueCycleManagement akasa.com Listen to the podcast here

From Jeffy’s Online Books to everything from A to Z, Amazon.com is an empire amongst empires. Bezos created something remarkable. Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not-so-secret techniques that took famous businesses from mom-and-pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is… Well, it’s us, but we’re highlighting ads we’ve written and produced for our clients. So here’s one of those. [Pinpoint Payments Ad] Dave Young: Ding-dong. Okay. Well, I was making noises there as we started. Welcome to the Empire Builders Podcast. Dave Young here alongside Stephen Semple, and we’re talking about empires. I mean, businesses that started tiny and grew into behemoths, in this case, and often… Well, every time what we do is we let the countdown to the recording start, and then Stephen whispers in my ear today’s topic, and we see if I recognize it. Maybe perhaps I’ve heard of them. And today, he just said one word, Amazon. And I’m like, “Is that a river?” I mean, that’s what we all said back in the day when Jeff Bezos started it- Stephen Semple: Yes. Dave Young: … was, “Really, you named it after a river in South America? What are you thinking? What’s wrong with you?” But I guess he proved them wrong. Stephen Semple: What you’re going to discover, wasn’t actually the first name. Dave Young: Oh, cool. They started with a different name and then switched to Amazon. Stephen Semple: Jeffy’s Online Books? Dave Young: Well, and here’s the thing. We’re 200-and-some-odd episodes in, and we’ve managed to hold off not covering Amazon. That’s a good point. Yeah. Stephen Semple: And I resisted myself, because basically everything that’s to be said about Amazon has probably been said, but I did come across a couple of interesting little tidbits that we’re going to focus on- Dave Young: Oh, cool. Stephen Semple: … that I hope gives a little bit different picture to Amazon than the other things, people. Look, Amazon is a massive success, has changed the way the world is, was unbelievably innovative and forward-thinking. And today, Amazon does like 8,000 orders a minute. Dave Young: A minute? Stephen Semple: A minute. Dave Young: Unbelievable. Stephen Semple: Crazy, isn’t it? Dave Young: Mm-hmm. Stephen Semple: And Jeff Bezos is one of the richest men in the world, and Amazon is just a monster out there. But here’s the thing that’s also really interesting. Jeff Bezos did not come from technology or retail. And how often have we seen this over and over and over again, that these businesses are built by people from outside the industry? That is like 9 out of 10, or probably even more like 99 out of 100. He was an investment guy that was working in the early ’90s on Wall Street. That’s what he was doing. And he was making big bucks doing research in the technology space. So he was working in the space, but he wasn’t a tech guy or a retail guy. And he comes across this report about growth in the internet space. And he literally… It boggles his mind. He’s working away in Wall Street, comes across this report, and it says, the space is growing at 2300%. And he literally, as the story goes, picks up the phone, calls the analyst, and said, “There’s a typo here.” And they were like, “No, this is how it’s growing.” And he was like, “Oh my God.” Now, let’s think about this for a moment, because it’s easy to forget this. 1989 is when the first online transaction on the World Wide Web happened. Dave Young: I wouldn’t have thought it was even that long ago, but yeah. Stephen Semple: Yeah, yeah, but it was, like, one- Dave Young: Yeah. It’s ancient history now, but… Stephen Semple: We forget, we forget how much the growth is. And if you really want to go back, probably the best documentation of the growth we’ve had is episode 227 on AOL. Because AOL was really a driver of internet growth. It really was. It was really one of the pioneers that took people online. So to be looking at these things in the early ’90s and go, “Hey, I see growth in online retail,” that’s really forward-thinking. I’ve got to give Bezos credit. Not a lot of people were thinking that way. So he looks at this growth and he says, “There’s got to be potential to do a business in this space.” And that’s where he starts off. We’ve got to do a business in this space. So he does brainstorming ideas with his wife at the time, McKinsey, and they look at investment sites, they look at advice sites, but he decides it needs to be a store, because people shop every day. Everyone. It’s mass- Dave Young: An online store, yeah. Stephen Semple: It’s mass, it’s something we do all the time, it’s habitual, and he doesn’t want to do something that’s a niche. And it has no boundaries, and ideally you could remove a lot of the friction in shopping. But he realizes he can’t start that way. This is the other part where I thought he was brilliant. His vision was always online store, but he knew you can’t start as an online store. You can’t become known for being an online store. It’s too big. You need to pick one thing. Dave Young: But he had that vision long before he started selling books. Stephen Semple: The goal was to sell everything. Dave Young: Everything. Stephen Semple: But he knew that’s not where you start. And this is what I find interesting. It’s amazing how many startups I talk about have these massive visions, and it’s too big. You can have that massive vision, but you got to still start with something smaller. And that starting something smaller doesn’t limit you. Jeff Bezos has proven that. So he steps back in this point. He’s trying to figure out, “Well, what’s the one thing I want to do?” And he ordered a book called Cyberdreams by Asimov, and it took two weeks to arrive and arrived damaged. And the ordering process was a bit of a pain in the neck. And he went, “You know what? There’s an opportunity to do better here.” And at the time, the book business is very fragmented. There’s two big players, Barnes & Noble, and Borders. But they combined are only 25% of book sales. So still, most book sales are being done by little retailers. So it’s dominated by all sorts of little players, and they don’t do a good job of shipping books. So he says, “There’s the opportunity. Books is the opportunity.” He quits Wall Street where he is making like a million bucks a year, moves to Seattle to start the business, and he moves to Seattle because University of Washington at the time has got basically the top computer engineering school, Microsoft is there, so there’s lots of good engineers available. Dave Young: Gotcha. Stephen Semple: Hires a programmer, Shel Kaphan. And the first name of the company was not Amazon. It was Cadabra, as in- Dave Young: Cadabra. Abra. Stephen Semple: As in “Abracadabra, your book arrives.” Dave Young: Yeah. Stephen Semple: Name didn’t work well. People thought it was… Dave Young: Magic supplies, or- Stephen Semple: No. Well, they actually mistake it, Cadabra for cadaver. Dave Young: Yeah, that’s not good either, now that I think about it. Stephen Semple: So they needed a new name, and they had very much still the phone book mentality. Remember how everybody wanted to be listed first in the phone book? Dave Young: Sure. You start with an A. Stephen Semple: So you start with an A, and the first name that kind of came along that they thought they could do anything with was Amazon. Okay, yeah. You know, it’s [inaudible 00:08:32] a river, all this other stuff. So they just went, “Sure, let’s do Amazon. We can make that work.” Dave Young: Well, and the smart thing is he picked a… unless I’m wrong, he picked one word as the name. Stephen Semple: Yes. Dave Young: It wasn’t Amazon Booksellers. Stephen Semple: No, Amazon. Dave Young: Amazon Online Booksellers. Stephen Semple: Right, because he still had the vision — Dave Young: That’s limiting. Yeah. Stephen Semple: Right, because he still had the vision, “I’m going to do more than this, but I need to start with one thing.” So Amazon. Dave Young: So that vision dictates you find a name that is big enough to handle the vision. Stephen Semple: Yes. World’s biggest river, right? So it’s June 16th, 1995, Amazon goes live. They wanted to make it simple and easy to order books, and what would happen is they will get the sale, then they turn around and buy the book from the wholesaler, repackage the book, and ship it out to you. So they basically had no inventory. Dave Young: I was going to say, you could test the whole idea by just setting up your office near a brick and mortar bookstore and walking over and buying the book. Stephen Semple: Instead, they were buying the wholesale. Dave Young: Drop it in the mail. But they’re buying from wholesale, so there’s a little profit in it for them. That’s good. Stephen Semple: Yep. So the book would come in, they would repack it, ship it to the customer. So really, at first they had no physical inventory, but they had a list of a million books. They could basically sell any book that they could get from a wholesaler. And Amazon rolls out with this claim. They have the Earth’s biggest bookstore, which is really crazy. Any book store could claim that, because they all had access to the same million books. But I also love… There was a little bit of an unusual wording here. Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell Ad] Dave Young: Let’s pick up our story where we left off, and trust me, you haven’t missed a thing. Stephen Semple: I also love, there was a little bit of an unusual wording here, because you sort of expect it to be the world’s biggest bookstore, rather than the Earth’s biggest bookstore. Dave Young: Oh yeah, that’s a good point. Yeah. Stephen Semple: Right? And I think that really, again, the slightly unusual wording that fit but doesn’t fit sort of makes things stand out a little bit more. The first week, they do 13,000 in sales. Everybody’s working, boxing books, including Bezos in the early days, and they’re struggling to keep up. Like, it’s working. Then they get a call from Yahoo. So remember, at the time, Yahoo is the monster. Mid-’90s, Yahoo is the leading search engine by a country mile. And Yahoo had this thing that they would do. Each week, they would feature the hottest websites on their landing page. And they give Amazon a call and they say, “Hey, would you like to be featured?” Now, they’re struggling to keep up. Bezos says, “Yep. Keep the pedal to the metal.” So Amazon’s already behind in orders, but they go for it, because the whole idea is get big fast. In a month, they’ve got orders from all 50 states, 25 countries, but they don’t have the infrastructure to keep up, and they’re operating at a loss and growing. So in 1996, they arrange for $8 million investment and they start hiring and updating infrastructure. Now, this point, they get the attention of Barnes & Noble. Remember, Barnes & Noble is the biggest retailer at this time. The CEO meets with them, and he’s known as being kind of a bit of a ruthless guy. He tells Jeff that Barnes & Noble is going to launch their site and it’s going to kill them. So the alternative is sell to Barnes & Noble. Barnes & Noble basically says, “Bezos, we’re going to bury you.” Bezos says, “No.” But here’s where Bezos is smart. Basically, Barnes & Noble tipped their hand. So in May, 1997, Barnes & Noble launches their site, and it’s not bad, and it’s getting better, but the heads-up made Bezos realize he needed the capital to compete. So he had also arranged to go public. So when Barnes & Noble launched their site, Bezos went public, literally same month, May, ’97. And he raises $54 million. But what he realizes, to win, he now needs to stock inventory and do it quicker than Barnes & Noble. So he starts building warehouses. Then, what is the next natural thing to add to books? Movies, and music. Remember? Dave Young: Yeah, I’m just… Stephen Semple: Right, because movies were DVD, and music was CDs, right? Nice, natural add-on. Dave Young: And you’ve already got people competing in that space. Stephen Semple: Yes. Dave Young: You’ve got places that are selling CDs and shipping you movies, like Netflix. Stephen Semple: Yeah. Dave Young: Yeah. Stephen Semple: So it’s 1999, and he grows from 610 million to 1.6 billion, 170% growth with the addition of that. Now, here’s the problem. The dot-com bubble bursts, and lots of businesses fail. Investors are switching their focus away from growth. You know how there was that whole thing, burn rate, burn rate, burn rate, doesn’t matter, you don’t need to be profitable. Now all of a sudden, you got to be profitable. And Amazon’s still losing money. And Bezos is told by the board that he needs to make money, he needs to raise prices. This is what the board says. “Dude, you’re raising prices.” What does Bezos do? Announces he’s lowering prices across the board by 30% on everything. He stands against the board, because he says, “This is my opportunity to crush the competition and win.” It’s really interesting, the Monday Morning Memo this week, from Roy H. Williams. So we need to note, it’s October 6th, so any listeners should go back, mondaymorningmemo.com, October 6th. Read that because it’s really interesting what Roy wrote this morning. It’s write down this whole idea, that when things slow down, this is when the little guy can crush the big guys. Dave Young: The big guy, yeah. Stephen Semple: This is what he did. Bezos stood against the board, board, said, “Raise prices,” Bezos said, “No, this is my opportunity to put the foot down, put the hammer down, and win.” And that’s what he did. And guess what? Not only that, few quarters after doing that, they hit profitability for the first time, because they exploded the transactions. They killed their competitors in that moment. So I think the parts that came across interesting for me that I wanted to talk about when it comes to Amazon is this whole idea of he knew he wanted to do something big, but he knew he couldn’t start large. So he spent a lot of time thinking about what’s the natural thing for me to start with? And he looked for something that was fragmented, then it’s easy to go in, that was not being done well, but was already a fairly regular purchase, so he did books. And then in terms of the expansion, what’s something that has very similar characteristics to books? Movies, music. Dave Young: That people are already accustomed to purchasing online. Stephen Semple: Correct. Dave Young: And startup people will talk about the minimum viable product, or minimum viable service, right? Stephen Semple: Yes. Dave Young: And that’s sort of this. Stephen Semple: It is sort of, because he did it with no inventory. Dave Young: Sort of, but it’s not quite, though. Stephen Semple: Not quite. Dave Young: Because he wasn’t trying to make the minimum viable product or service. He was trying to find the entry path to something much, much bigger. Stephen Semple: Correct. Dave Young: When you have this idea for a business that, oh, we’re going to sell this thing online, or we’re going to do this service, and you just… When you think about minimum viable product, you’re forced to think small, and I think in some cases the risk is that you trim back that big vision. Stephen Semple: Yeah. He managed to hold- Dave Young: And you lose it. Stephen Semple: So there’s two areas where Bezos really showed his brilliance. And look, he’s shown his brilliance in so many different things. There’s whole books that have been written around his philosophies and whatnot. But these were the two that I thought have not been talked about before that I think we can all learn from as entrepreneurs, is he managed to hold those two ideas in his head, the long-term vision and the short-term thing he needed to do to get started. And he didn’t have the one limit the other. One, he was very clear, this one is the pathway to the other. But he was also okay to be known initially as a bookseller. He was fine with that. But he was able to hold those two contradictory ideas in his head and not sacrifice one for the other. And I think you’re right. A lot of people struggle with that, and he was brilliant at that. Dave Young: He was focused on it. Stephen Semple: He never lost sight of it. Dave Young: That’s a really good take on Amazon. I love this one. Stephen Semple: The other part is, and I think it’s particularly relevant for where we are today, is because there’s a lot of talk of consumer confidence slipping and things along that lines, is that he stood against his board. His board was like, “Okay, the tune of the day is we got to get profitable. You have to raise prices.” And what he knew is if he raised prices, this idea wasn’t going to work. And look, I’m not normally one saying, “Go lower prices. Go lower prices. Go lower prices.” But strategically, here’s what he knew at this point. His competitors were failing, his competitors were not making money, and his competitors had no more access to capital. This was the opportunity to destroy his online competitors. Dave Young: Yeah. Stephen Semple: The final nail… This is my opportunity to put my foot on their throat and win. Normally, a lowering a prices is not going to do that, but strategically in that moment, strategically in that moment, it was going to crush the competition. Dave Young: And he didn’t change the vision of the company to always be the low-cost supplier, right? It’s, like, that’s changed now. Stephen Semple: Right. Yes. Dave Young: You may find it for less on Amazon, but you may not. He didn’t make it as a strategy of focus on the company. Again, he made it as strategic decision for competition reasons. Stephen Semple: Correct. Dave Young: Which is what Walmart did, right? Stephen Semple: Correct. Dave Young: It’s just a similar story that’s not in the brick-and-mortar space. I love hearing this story. Stephen Semple: Yeah. And he took advantage of the moment. He saw that there’s this moment where this will work. There’s this moment in time where this will work, and I’m going to take advantage of this moment. Dave Young: And he became incredibly rich. Stephen Semple: Yes. Dave Young: Still is. And here’s, to me, the happy ending, okay? When he got divorced, his ex-wife got half of it, half of… I don’t know, half of Amazon, but half of all the money, at least, and she’s been given it away to charities and helping all kinds of people, not buying yachts. Stephen Semple: And look, and he didn’t fight it. He recognized her role. Dave Young: Yeah, yeah. Oh, sure. Stephen Semple: He recognized her role. Dave Young: No, [inaudible 00:19:52] full credit for that. Stephen Semple: It was not one of these drawn-out-in-court battles, because we didn’t hear anything about it. Dave Young: Yeah, and- Stephen Semple: So he did the right thing. Dave Young: Yeah, I think so. And she’s doing a great thing. Stephen Semple: Yes. Dave Young: Right? She’s clearly thought, well, yeah, “I can help a lot of people , still live a fantastic life.” Stephen Semple: I’d been resisting doing Amazon, although I felt like it’s hard to have a podcast like this and not talk about Amazon. Dave Young: It is. Stephen Semple: But I wanted to find a couple of things that I think just were a little bit different take, and a couple of things that we can really take away as business owners. And I like to call it the thin edge of the wedge strategy. What’s that starting point which you identified, that then you can pivot to the larger thing. And also, in the tough times, that’s your opportunity to become the leader. Dave Young: Okay. Well, that’s it for the giant, Amazon. Stephen Semple: Yep. Dave Young: You’re talking about an empire. Stephen Semple: Yeah. Dave Young: Next week, as marketers, we’ll be back to talking about the Apple 1984 commercial. No, we won’t. Thank you, Stephen. Stephen Semple: Thanks, David. Dave Young: Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app, and leave us a big, fat, juicy five-star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute empire-building session, you can do it at empirebuildingprogram.com.

No Niki November continues, with Michael, merritt and John doing their absolute best to keep this train on its tracks, with predictable results. Topics of discussion for this episode include the output of the USA Network between 2005 and 2016, "the first porno you watched," the existence of the Storkborn, ye olde Internet, buying CDs in 2025 and, if you can believe it, somehow even more.Welcome to If You're Driving, Close Your Eyes, a listener-supported comedy podcast where three noble explorers chip away at the crumbling foundations of reality, five or six simultaneous topics at a time. Hosted by Niki Grayson, merritt k and John Warren, and produced by Jordan Mallory, with music by Jordan and art by Max Schwartz.Follow us on Bluesky: https://bsky.app/profile/ifyouredriving.bsky.socialSupport us on Patreon: https://www.patreon.com/ifyouredriving Hosted on Acast. See acast.com/privacy for more information.

In the REAL Mixtape era of the early to mid 90s there were songs you only heard on Mixtapes, and without the Internet, most only heard from trading tapes/CDs or riding around with friends, wanted to point out some.

Don fields a full slate of listener questions on everything from SGOV vs. high-yield savings accounts to the differences between AVUV and DFSV, why international stocks belong in a portfolio (but shouldn't dominate it), and whether equal-weighted funds solve the “Magnificent 7” concentration problem. He digs into target-date and bond-fund suitability for short-term money, clarifies what “rules-based” really means for Avantis and Dimensional, and gently deflates misconceptions about long-term international outperformance. Along the way he riffs on talk radio's decline, teases Tom's dad jokes, and reinforces the core message: diversify, know your time horizons, and don't overthink what good academic research already tells us. 0:04 Don opens Q&A Friday and reflects on radio's slow fade 2:20 SGOV vs. high-yield savings accounts for emergency cash 5:13 Why AVUV and DFSV only overlap ~40% despite similar factors 8:43 Which fund is “wilder”: AVUV vs. DFA small value 9:54 Why international stocks belong in a portfolio—but not overweighted 11:41 Long-term U.S. vs. international return history 14:51 S&P 500 concentration and equal-weight ETF considerations 18:44 Equal-weight vs. small-value tilt vs. rules-based funds 20:07 Where to put 2–3 year money: savings, CDs, BND, or a near-dated target-date fund? 23:13 Better language than “active”: rules-based vs. systematic Learn more about your ad choices. Visit megaphone.fm/adchoices

Enjoy an hour of Irish and Celtic folk music from today's top indie musicians. Discover new favorites and celebrate Celtic culture on the Irish & Celtic Music Podcast #734  -  -  Subscribe now! The Gothard Sisters, Nerea The Fiddler, Coastland Fair, The AML Trio, The Irish Lassies, Carroll Sisters Trio, Eddie Biggins, Cedar Dobson Music, Jeff Blaney, The Inland Seas, The Celtic Kitchen Party, The Badpiper, Phoenyx, Callán, Rebecca Gilbert & Kellswater Bridge GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items with what's happening with Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have until December 4 to vote for this episode. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2 - 3 weeks. THIS WEEK IN CELTIC MUSIC 0:06 - The Gothard Sisters "Second Breakfast" from Moment in Time 3:26 - WELCOME 5:13 - Nerea The Fiddler "Let's Dance" from Off The Beatn Path 9:26 - Coastland Fair "Song Of Life" from Song Of Life  -  Single 13:06 - The AML Trio "The Home Ruler Hornpipe" from Sons Of Erin's Isle 14:42 - The Irish Lassies "Robbie Malone" from Immigration Stories 18:42 - FEEDBACK 21:32 - Carroll Sisters Trio "Fallingwater Waltz" from Radiance 25:13 - Eddie Biggins "Lazy Harry's" from Fifteen from '20 28:16 - Cedar Dobson Music "Lochaber Badger" from Decade 31:59 - Jeff Blaney "Irish in New England" from Exodus 34:54 - The Inland Seas "'39 / Whiskey Before Breakfast" from Crown of Clover 39:05 - THANKS 40:54 - The Celtic Kitchen Party "Twice As Happy Birthday Song" from Sociable! 42:36 - The Badpiper "The Sleeping Tune" from Burn 46:14 - Phoenyx "Creature of the Wood" from Keepers of the Flame 51:34 - Callán "Minstrel Boy" from Bloody Callán 55:18 - CLOSING 56:06 - Rebecca Gilbert & Kellswater Bridge "Gone" from Origin 59:45 - CREDITS Support for this program comes from Dr. Annie Lorkowski of Centennial Animal Hospital in Corona, California. Support for this program comes from International speaker, Joseph Dumond, teaching the ancient roots of the Gaelic people. Learn more about their origins at Sightedmoon.com Support for this program comes from Cascadia Cross Border Law Group, Creating Transparent Borders for more than twenty five years, serving Alaska and the world. Find out more at   www.CascadiaLawAlaska.com Support for this program comes from Hank Woodward. The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor. Finally, remember. Clean energy isn't just good for the planet, it's good for your wallet. Solar and wind are now the cheapest power sources in history. But too many politicians would rather protect billionaires than help working families save on their bills. Real change starts when we stop allowing the ultra - rich to write our energy policy and run our government. Let's choose affordable, renewable power. Clean energy means lower costs, more freedom, and a planet that can actually breathe. Promote Celtic culture through music at http://celticmusicpodcast.com/. WELCOME THE IRISH & CELTIC MUSIC PODCAST * Helping you celebrate Celtic culture through music. I am Marc Gunn. I'm a Celtic musician and also host of Pub Songs & Stories. Every song has a story, every episode is a toast to Celtic and folk songwriters. Discover the stories behind the songs from the heart of the Celtic pub scene. This podcast is for fans of all kinds of Celtic music. We are here to build a diverse Celtic community and help the incredible artists who so generously share their music with you. If you hear music you love, please email artists to let them know you heard them on the Irish and Celtic Music Podcast. Musicians depend on your generosity to release new music. So please find a way to support them. Buy a CD, Album Pin, Shirt, Digital Download, or join their community on Patreon. You can find a link to all of the artists in the shownotes, along with show times, when you visit our website at celticmusicpodcast.com. Email follow@bestcelticmusic to learn how to subscribe to the podcast and you will get a free music - only episode. You'll also learn how to get your band played on the podcast. Bands don't need to send in music, and you will get a free eBook called Celtic Musicians Guide to Digital Music. It's 100% free. Again email follow@bestcelticmusic ALBUM PINS ARE CHANGING THE WAY WE HEAR CELTIC MUSIC I got an email from Discmakers, my CD manufacturer, saying they were forced to raise their prices because of tariffs by our president. This is a tax on Americans. So if you love CDs, remember that the prices will go up. So please support those higher priced CDs. But there is an option for those who don't want to buy CDs and for those who want a better alternative for the environment. It's the Album Pin. Album Pins are lapel pins themed to a particular album. You get a digital download of the album. Then you can wear your album. All of my latest Album Pins are wood - burned and locally produced. This makes them better for the environment. And they are fun and fashionable. If you want to learn more about Album Pins, you can read more about them on my celtfather.Substack.com or just buy one at magerecords.com THANK YOU PATRONS OF THE PODCAST! Your support makes the Irish & Celtic Music Podcast possible, nearly every week of the year. You're not just funding a show. You're fueling a movement that shares the magic of Celtic music with thousands around the world. Your generosity covers everything from audio engineering and artwork to the Celtic Music Magazine, show promotion, and buying music from independent Celtic artists. If you're not a patron yet? You're missing out! You get ✨ Early access to episodes

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