Podcasts about charters

What if becoming a better spearo had less to do with diving deeper or buying better gear—and more to do with learning how to actually see what's happening around you? In this episode, Shrek sits down with commercial fisherman, spearo, hunter and lifelong observer of the natural world Johnny Mitchell, with Johnny's longtime mate Tim McDonald joining the conversation. Johnny has spent decades living, fishing, hunting and observing in the bush and on the water. From commercially chasing Spanish mackerel and mud crabs to living out of a swag, caretaking Cape Capricorn lighthouse and spending countless hours simply watching animals behave, he has developed an extraordinary ability to recognise patterns in the natural world. The conversation explores awareness, natural intelligence, tides, weather, animal behaviour, sensory awareness and pattern recognition—and why asking simplistic questions like "Is the full moon better?" or "Does falling barometric pressure make fish bite?" can actually hold back your learning. Johnny explains why every productive fishing or spearfishing location has its own combination of features and conditions, and why the better question is often: Why were the fish here today—and why weren't they here yesterday? Tim also shares how Johnny's influence has completely changed the way he approaches spearfishing: shooting fewer fish, observing more, recognising short feeding windows and learning to know where to be, when to be there and why. This one goes well beyond spearfishing. It's a conversation about reconnecting with the natural world, waking up dulled senses and becoming less dependent on apps, assumptions and handed-down rules. Important Times 00:00 – Introduction to Johnny Mitchell 03:00 – Johnny joins Shrek and Tim McDonald 04:00 – Johnny's background: fishing, hunting and living wild 06:00 – Your subconscious is collecting more information than you realise 07:00 – Awareness: the foundation of everything 09:00 – Living at Cape Capricorn lighthouse 11:00 – Why good experiences lead to better questions 12:00 – Hunting versus simply observing animals 15:00 – Watching fish footage 100 times 17:00 – How Johnny changed Tim McDonald's approach to hunting 18:00 – Pattern recognition and exponential learning 19:00 – The most important question: Why? 20:00 – Observational intelligence versus handed-down knowledge 23:00 – Nature is multidimensional: beware single-variable thinking 29:00 – New moon vs full moon: are we asking the wrong questions? 31:00 – Understanding the specific tide window for a spot 34:00 – Johnny's "Zoom Out" technique 36:00 – Using landscape, wind and Google Earth to understand a fishing location 38:00 – How modern life dulls our senses 40:00 – "Unbroken connection" with the natural world 44:00 – How disconnected have we become? 46:00 – From awareness to recognising patterns and predicting opportunities 48:00 – Knowledge removes scarcity and makes you a more generous diver 52:00 – Making more space in your life for the outdoors 54:00 – You can start reconnecting with nature in ten minutes 58:00 – Why understanding fisheries can become extremely complicated 1:00:00 – Observing more and killing less 1:04:00 – Spearfishing has to become about more than killing fish 1:06:00 – Old-school dogtooth tuna and spearfishing stories 1:09:00 – You don't need a $100,000 boat 1:10:00 – Why most fishermen don't actually understand weather 1:12:00 – From reading conditions to predicting a 130 cm barramundi 1:14:00 – Johnny's Break Free three-day program 1:16:00 – Becoming a better spearo by becoming a better person 1:18:00 – Psychology, learning and actually applying knowledge 1:22:00 – Everything Johnny teaches can begin at a duck pond 1:24:00 – Throw the barometer question in the bin 1:28:00 – Testing theories instead of turning observations into rules 1:31:00 – What does Break Free actually mean? 1:32:00 – Johnny's links and wrap-up Links Mentioned Johnny Mitchell / Wild Adventures JM wildadventuresjm.com.au Fishes One Hook fishesonehook.com Check out their free Speargun Band Size Calculator. Spearo.app Free spearfishing-specific forecasting tool. Noob Spearo Patreon patreon.com/noobspearo

Captain Brandon McGraw is a Space Coast fishing guide who runs Space Coast Sport Fishing out of the Melbourne area, working the Mosquito Lagoon, the Indian River, and Sebastian Inlet on Florida's east-central coast. A retired firefighter with 20 years at Orlando Fire Department, he now guides full time for redfish, seatrout, and some of the largest snook in Florida. In this episode he explains how the Mosquito Lagoon clawed back from its seagrass collapse, why the Sebastian area grows oversized snook, and the small details that decide light-tackle tournaments.

Why has one South Lake Tahoe operator been voted Best Cruise on Lake Tahoe eight years running? We examine the private charter experience aboard two award-winning yachts and the personalized services that keep celebrities, corporations, and locals coming back. Tahoe Cruises City: South Lake Tahoe Address: 900 Ski Run Blvd Website: https://tahoecruises.com/

Welcome back to Fintech Recap. I'm Alex Johnson, joined as always by my partner in recapping, Jason Mikula. We open with a tangled story that you should absolutely read Jason's reporting* on. Trump-linked World Liberty Financial poured $1.5B into a crypto treasury company called Alt5 Sigma, whose token plummeted from ~20¢ to ~5¢. Buried inside that detritus, Jason uncovered a Canadian subsidiary issuing crypto-funded cards with no identity verification at all (confirmed after he posed as a prospective customer himself). From there, we widen out to a troubling trend. Charters increasingly seem to flow toward companies with the right political connections. Erebor, Augustus, and a pending application from World Liberty Financial are receiving the royal treatment. What does that mean for the OCC's long-term institutional credibility? Next, we chat about Darragh Buckley's Increase, which built banking infrastructure for Ramp and Stripe, and just bought a tiny Washington bank to become one itself (a real-time test of whether BaaS middleware is dead). Finally, we go deep on Fed master accounts, and why Kraken's recent approval left Fed officials scrambling to explain a decision that wasn't really theirs to make (the regional Reserve Banks making these calls basically answer to no one). Plus, in our Can't Let It Gos: Erebor's reported talks to double its valuation without having proven it can run like a real bank, and Delta's new in-flight DraftKings prediction game (apparently even a flight isn't safe from the gambling-ification of everything). --- This episode is brought to you by Ocrolus.  Better lending starts with better intelligence. A borrower's cash flow only tells half the story, so Ocrolus fills in the rest with behavior signals and industry benchmarking. Visit https://www.ocrolus.com/ for more.  --- Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday, Wednesday, and Friday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. --- Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson --- Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/ *And read Jason's reporting on Alt5 Sigma and MSwipe: https://fintechbusinessweekly.substack.com/p/trump-linked-fintech-tied-to-no-kyc 

The engrossed copy of the Declaration of Independence is on display at the National Archives building in Washington, DC. Millions of visitors flock to see it and the other Charters of Freedom. But how did it end up there and why do people approach it with religious reverence?In this episode, we explore how the Declaration took on its symbolic role as the founding text of the United States.Pauline's Book Show Notes: https://www.benfranklinsworld.com/403EPISODE OUTLINE00:00:00 Introduction00:06:30 Introducing Mary Beth Norton00:07:17 American Scripture: Pauline Maier00:10:00 Graduate School with Pauline Maier00:13:36 The State of Historians' Thinking in the 1990s00:15:23 Other Declarations of Independence00:21:08 Thomas Jefferson's Drafting of the Declaration00:23:44 Why Create a Parchment Copy of the Declaration?00:28:24 How the Declaration Became American Scripture00:30:32 The Impact of American Scripture00:32:10 Situating the Declaration in the American Revolution00:35:39 The Role of the Parchment Copy Today00:40:12 Closing Thoughts on Pauline MaierRECOMMENDED NEXT EPISODES

Geoffrey Kocks, a research associate at Blueprint Labs and PhD student at MIT, joins Paul E. Peterson to discuss Kocks' recent report, "Two Decades of Massachusetts Charter School Effects." https://blueprintlabs.mit.edu/research/two-decades-of-massachusetts-charter-school-effects/

In this episode, the Awkward Watersport Guys officially becomes Kevin and Greg Live, after 5 incredible years. In this milestone episode, Kevin and Greg share why they rebranded, how a podcast that started as a fun side project evolved into a thriving media company, and what's next for the community they've built. They discuss the realities of entrepreneurship, balancing business with family, avoiding burnout, and why authenticity remains the foundation of everything they do. You'll also get a preview of the biggest Port Event yet, hear about exciting new competitions and community initiatives, and learn why the future of the show will expand beyond watersports into business, investing, hobbies, and life.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

In this crossover episode of The Consumer Finance Podcast and Payments Pros, Taylor Gess is joined by colleagues James Stevens and Sarah Hanna from Troutman Pepper Locke's Corporate and Consumer Financial Services practices to discuss the surge of interest among fintech and point-of-sale finance companies in obtaining bank charters, acquiring existing banks, and forming bank partnerships. With the current administration signaling an open-for-business posture at the federal banking agencies, and the Office of the Comptroller of the Currency (OCC) actively encouraging de novo applications, payment and fintech companies are weighing their options more seriously than they have in years. The conversation covers what is driving the spike in charter applications, including from companies in the crypto, lending, and payments spaces, and how specialty charters are factoring into that trend. James and Sarah also walk through the bank partnership landscape, where enforcement activity has cooled and focus has shifted, and explain how acquiring an existing bank charter compares to starting from scratch on timing, cost, and regulatory complexity. The episode closes with practical guidance for point-of-sale finance companies considering any of these three paths, including why building internal compliance infrastructure early, engaging regulators informally, and retaining regulatory counsel sooner rather than later can make or break a successful launch. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hinch and Rossi both gear up to head to Nashville for a race with one hell of a lead-in, assuming the weather holds. Plus, IndyCar is working with iRacing on a new video game, that Hinch may or may not be involved in. Then, Hinch breaks down the story behind RLL reportedly working on selling their charter to DRR. All that and more! +++ Off Track is part of the SiriusXM Sports Podcast Network. If you enjoyed this episode and want to hear more, please give a 5-star rating and leave a review. Subscribe today wherever you stream your podcasts. Want some Off Track swag? Check out our store! Check out our website, www.askofftrack.com Subscribe to our YouTube Channel. Want some advice? Send your questions in for Ask Alex to AskOffTrack@gmail.com Follow us on Twitter at @askofftrack. Or individually at @Hinchtown, @AlexanderRossi, and @TheTimDurham. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, the guys sit down with Shea Unti, CEO of Buoy. Insurance can be one of the most confusing and most important parts of running a watersports business. The guys discuss how the marine insurance landscape is evolving and what operators need to know to better protect their businesses. From his journey through yacht management, Boatsetter, and now leading an innovative insurance platform, Shea shares practical insights on risk management, compliance, embedded insurance, and how technology is reshaping coverage for boat rentals and watersports operators. Whether you're looking to lower premiums, better understand your policy, or prepare your business for the future, this conversation is packed with valuable takeaways you can put to work right away.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

In this special Crossover episode with Governance Matters, James-Christian Blockwood is joined by Raphe Sonenshein, President and CEO of the the Haynes Foundation.We're focused on local government charters as “local constitutions” that can be changed more easily, and impact people more immediately, than the U.S. Constitution.Management Matters is a presentation of the National Academy of Public Administration produced by Lizzie Alwan and Matt Hampton and edited by Matt Hampton. Support the Podcast Today at: donate@napawash.org or 202-347-3190Episode music: Hope by Mixaund | https://mixaund.bandcamp.comMusic promoted by https://www.free-stock-music.comFollow us on YouTube for clips and more: @NAPAWASH_YT

Clark County voters will weigh in on 10 proposed charter amendments this November, covering term limits, tax increase thresholds, and a new ethics commission. The week also brought a prosecutor disqualification ruling, income tax opinion columns, candidate announcements, the death of a sheriff's deputy, and a Union High School alum making his mark with the New England Patriots. URLHERE #ClarkCounty #WashingtonState #ClarkCountyToday #CharterAmendments #IncomeTax #LocalPolitics #Elections #PublicSafety

Joining Iain Dale are Labour MP Luke Charters, former UKIP deputy chairman Suzanne Evans, former Conservative MP Daniel Kawczynski, plus the podcaster Jemma Forte.

What does it take to successfully lead one of NASCAR's top race teams? In this special Q&A episode of Business of Motorsports, Kelley Earnhardt Miller sits down with veteran NASCAR journalist Jeff Gluck to answer listener-submitted questions about leadership, business, culture, and the lessons that continue to shape how she runs JR Motorsports today. Kelley shares the biggest business principles she learned from her father, Dale Earnhardt, why she believes great companies are built around people, how she handles difficult conversations, and what aspiring motorsports professionals need to know about breaking into the industry. She also opens up about hiring, company culture, mentorship, NASCAR sponsorship, charter decisions, and balancing family with business. This episode of Business of Motorsports is sure to provide insight for anyone searching for an inside look into the day-to-day operations of running a successful NASCAR team. Check out Dirty Mo Media on YouTube: https://www.youtube.com/@DirtyMoMedia Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailThe Declaration of Independence read by William SadlerTo introduce a new YouTube channel @AmericanHedgemasterIN CONGRESS, July 4, 1776The unanimous Declaration of the thirteen united States of America, When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. — That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, — That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. — Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.He has refused his Assent to Laws, the most wholesome and necessary for the public good.He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures.He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers.He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance.He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.He has affected to render the Military independent of and superior to the Civil power.He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:For Quartering large bodies of armed troops among us:For protecting them, by a mock Trial, from punishment for any Murders which they should commit on the Inhabitants of these States:For cutting off our Trade with all parts of the world:For imposing Taxes on us without our Consent:For depriving us in many cases, of the benefits of Trial by Jury:For transporting us beyond Seas to be tried for pretended offences:For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Governments:For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.He has abdicated Government here, by declaring us out of his Protection and waging War against us.He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people.He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people. Nor have We been wanting in attentions to our British brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor. Check our other links:TwitterRumbleInstagramYouTube

At a May 19, 2026 Ballard Spahr webinar, "Cutting Out the Middleman: The Surge in FinTech Applications to Charter Banks, Industrial Banks and National Trust Companies," a distinguished panel of banking, fintech, crypto, and consumer financial services experts explored one of the most important developments currently reshaping the financial services industry: the growing movement by fintech companies, payments firms, lenders, and crypto-native businesses to obtain their own banking charters rather than relying on traditional bank partnerships. The message from the panel was clear: we are witnessing a significant shift in how nonbank financial services companies are thinking about regulation, growth, and market access. The podcast we are releasing today is part 2 of this series. We recommend that you listen to part 1 before listening to part 2.   Speakers:  Moderator: Alan Kaplinsky, senior counsel; founder and former leader of Consumer Financial Services Group, Ballard Spahr   Guest: Lee Reiners, Lecturing Fellow, Duke Financial Economics Center; founder and editor-at-large of The FinReg Blog; founder and host, The FinReg Pod; co-host, Coffee & Crypto with Lee and Jimmie (a podcast that covers the latest developments in cryptocurrency); co-organizer of Digital Assets at Duke (annual conference about crypto assets space) Scott Coleman, partner, Ballard Spahr  Joseph Schuster, partner, Ballard Spahr  Beau Hurtig, counsel, Ballard Spahr  Adam Maarec, counsel, Ballard Spahr  Key Takeaways A significant shift is underway. Fintechs increasingly want to internalize the benefits of banking rather than rely on partnerships. There is no one-size-fits-all charter. National banks, state banks, industrial banks, and national trust banks each serve different strategic objectives. The current environment appears unusually favorable. Regulators are showing greater openness to nontraditional applicants than at any point in recent memory. The trend extends well beyond crypto. Payments companies, lenders, fintech platforms, and other financial services providers are all exploring charter opportunities. Becoming a bank is a long-term commitment. The benefits are substantial, but so are the regulatory obligations. For firms willing to embrace that commitment, obtaining a charter may provide transformative advantages. But as our panel repeatedly emphasized, success requires careful planning, significant capital, experienced management, and a clear understanding that regulatory scrutiny continues long after the charter is approved.

At a May 19, 2026 Ballard Spahr webinar, "Cutting Out the Middleman: The Surge in FinTech Applications to Charter Banks, Industrial Banks and National Trust Companies," a distinguished panel of banking, fintech, crypto, and consumer financial services professionals explored one of the most important developments currently reshaping the financial services industry: the growing movement by fintech companies, payments firms, lenders, and crypto-native businesses to obtain their own banking charters rather than relying on traditional bank partnerships. The message from the panel was clear: we are witnessing a significant shift in how nonbank financial services companies are thinking about regulation, growth, and market access. Speakers:  Moderator: Alan Kaplinsky, senior counsel; founder and former leader of Consumer Financial Services Group, Ballard Spahr   Guest: Lee Reiners, Lecturing Fellow, Duke Financial Economics Center; founder and editor-at-large of The FinReg Blog; founder and host, The FinReg Pod; co-host, Coffee & Crypto with Lee and Jimmie (a podcast that covers the latest developments in cryptocurrency); co-organizer of Digital Assets at Duke (annual conference about crypto assets space) Scott Coleman, partner, Ballard Spahr  Joseph Schuster, partner, Ballard Spahr  Beau Hurtig, counsel, Ballard Spahr  Adam Maarec, counsel, Ballard Spahr  Key Takeaways A significant shift is underway. Fintechs increasingly want to internalize the benefits of banking rather than rely on partnerships. There is no one-size-fits-all charter. National banks, state banks, industrial banks, and national trust banks each serve different strategic objectives. The current environment appears unusually favorable. Regulators are showing greater openness to nontraditional applicants than at any point in recent memory. The trend extends well beyond crypto. Payments companies, lenders, fintech platforms, and other financial services providers are all exploring charter opportunities. Becoming a bank is a long-term commitment. The benefits are substantial, but so are the regulatory obligations. Part 2 of this webinar will be released next Thursday, July 2nd. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

In this episode, the guys sit down with Nikki DuBois, founder of Boomerang Boat Tours in Washington, DC. She shares her remarkable journey from high school teacher to owner of a thriving multi vessel charter operation. Nikki discusses how she identified market opportunities, evolved from party buses to party boats, and built a business that now operates successfully with remote ownership. The conversation dives into critical topics for watersport operators, including cashless operations, preventing theft, team accountability, hiring and firing decisions, navigating the challenges of COVID-19, and leveraging technology to manage vessels from afar. Nikki's story offers valuable lessons on leadership, adaptability, operational efficiency, and long term business growth in the charter and watersports industry.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

Can Falk crack the murder case or will he need help from Inspector Tropesmith, Speed Detective, Emerald Ash Borer or The Ad Hawk? You want a fast resolution or a satisfying one? Listen to find out!Has This Gun in My Hand Ever Happened To You?, episode 152 of This Gun in My Hand, was stunned, hawked, sped up and salvaged by Rob Northrup. This episode and all others are available on Youtube with automatically-generated closed captions of dialog. Visit http://ThisGuninMyHand.blogspot.com for credits, show notes, archives, and to buy my books, such as Sisyphus, Eat Your Heart Out, available in paperback and ebook from Amazon. Why have I gathered you all here today? This Gun in My Hand!Show Notes:1. Charters and Caldicott were two minor characters in Hitchcock's 1938 film The Lady Vanishes. Played by the actors Basil Radford and Naunton Wayne, the pair were popular enough to get three films of their own, though not with Hitchcock. After creative differences with the film studio in 1946, the actors appeared as similar characters with different names in seven other films and five BBC radio productions. A 1985 BBC television series rebooted Charters and Caldicott with new actors.https://en.wikipedia.org/wiki/Charters_and_Caldicott2.  “Sir, a woman has been murdered in your house, therefore it follows there must be a murderer.” That line is from a teaser for an actual British police procedural show. They use it in a promo on almost every dvd for Acorn TV and the dullness of it kills me every time.Credits:Music in this episode came from these public domain films:The Sun Sets at Dawn (1950), and Too Late for Tears (1949, aka Killer Bait). Most of the music and sound effects used in the episode are modified or incomplete versions of the originals.Music Title: Flight of the Carpenter BeeBy Steve ArntsonLicense: Creative Commons Attribution 3.0https://archive.org/details/Bildungsroman-7512Sound Effect Title: Mount Moganshan Insect Chorus by RTB45 License: Creative Commons Attribution 3.0https://freesound.org/people/RTB45/sounds/325321/Insect chorus recorded one summer evening, Mount Moganshan, Zhejiang Provence, People's Republic of ChinaSound Effect Title: Car_motor_Sound.m4aLicense: Public Domainhttps://freesound.org/people/Blizzard123/sounds/504633/#Sound Effect Title: Beep_Sequence_10.wav by AlienXXX License: Creative Commons Attribution 4.0https://freesound.org/s/267561/ Music Title: Spaceship Engine - noise + heavy beep by KnoplundLicense: Creative Commons Attribution 4.0https://freesound.org/people/Knoplund/sounds/371283/Music Title: PaixComposed and Performed by Alpha HydraeLicense: Public Domainhttps://freemusicarchive.org/music/Alpha_Hydrae/Peace_Love_Respect_Overdrive/Alpha_Hydrae_-_Alpha_Hydrae_-_Peace_Love_Respect_Overdrive_-_03_Paix/Music Title: HurhisComposed and Performed by Yellow OmmLicense: Creative Commons Attribution 4.0https://freemusicarchive.org/music/yellow-omm/single/hurhis/Sound Effect Title: Electric zap.wav by michael_grinnell License: Public domainhttps://freesound.org/s/512471/ Sound Effect Title: ELECTRIC_ZAP_001.wav by JoelAudio License: Public domainhttps://freesound.org/s/136542/ Sound Effect Title: Milagra.mp3 by foosiemac License: Creative Commons Attribution 3.0https://freesound.org/s/76797/ Sound Effect Title: R30-34-Red Tailed Hawk.wav by craigsmith License: Public domainhttps://freesound.org/s/479610/ Song Title: The Fairy Queen, Z. 629Composed by Henry Purcell, 1692.Performed by Carl Pini, John Tunnell, Anthony Pini and Harold Lester.License: Public Domainhttps://musopen.org/music/11140-the-fairy-queen-z629/Music Title: Peer Gynt Suite no. 1, Op. 46 - I. Morning MoodComposed by Edvard GriegPerformed by Czech National Symphony OrchestraLicense: Public Domainhttps://musopen.org/music/777-peer-gynt-suite-no-1-op-46/Sound Effect Title: S10-19 Falling wooden beam; big interior crash; house collapses; long.wav by craigsmithLicense: Public Domainhttps://freesound.org/s/675967/ The image accompanying this episode is from Popular Detective Magazine, Volume 15, Number 3 (October 1938). Public domain, artist unknown.Image Alt text: Black and white drawing of a hand firing a revolver. Lines and smoke show the gun is discharging. Behind the gun is the shadow of the apparent shooting victim with both hands up and possibly wearing a policeman's hat. Above this drawing are the words HAS THIS GUN IN MY HAND EVER HAPPENED TO YOU?

Welcome back to Fintech Recap. I'm Alex Johnson, joined as always by my partner in recapping, Jason Mikula. We kick things off with the accelerating trend of fintech companies becoming banks. Chime's CEO confirmed it's a matter of when, not if — reversing their "we're a software company" stance. Mercury got conditional OCC approval for a national bank charter the same week it raised $200M at a $5.2B valuation. We explore what the fintech-to-bank stampede does to your valuation (our case studies are Chime, SoFi, and LendingClub), and why some companies chartering today might wish they hadn't. Then, BaaS Island calls us back (I'm a sucker for the sirens' song). The OCC issued a consent order against Community Federal Savings Bank, a single-branch institution in Queens that grew from $140M to $900M in assets by running fintech partner programs for Airwallex, Wise, Payoneer, among others. We discuss why the OCC acted, and why the order is unusually narrow. From there, we walk through two executive orders from the White House on fintech and bank regulation and the Federal Reserve's convoluted master account situationship. Finally, in our Can't Let It Gos: Jason can't let go of SpaceX dumping on retail investors as exit liquidity for their VCs, and I can't let go of PayPal's settlement with the DOJ over a fair lending investigation into a program that never made a single loan. Truly, this will haunt me forever! This episode is brought to you by Persona.  The best fintechs expand what's possible for users. Persona does that for fraud prevention. Their recently upgraded link analysis tool surfaces connections in real time, letting you spot deepfakes, identity farms, and fraud rings during onboarding and investigations.  They just published their Fraud Leader's Guide to Link Analysis, a practical look at today's top risk signals, automating decisions, and scaling link analysis for fraud prevention. Download it now: http://withpersona.com/ftt-fraud  Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonTwitter: https://www.twitter.com/AlexH_Johnson

This week's Alabama Saltwater Fishing Report covers a wide-open early summer bite across the Alabama Gulf Coast, from trout and redfish in the Mississippi Sound to surf fishing around Gulf Shores and Orange Beach, plus a strong red snapper opener nearshore. Butch Thierry is joined in studio by Capt. Branden Collier of Capt. Collier's Charters, who helps co-host the episode and later breaks down a hot red snapper bite, Calcutta pole snapper fishing, early triple tail signs, flounder on rocks and flooded grass, and quality speckled trout around mullet and grass flats. Capt. Shane Traylor of Bona Fide Inshore checks in with a report from his new 224 Blackjack, explaining how popping corks, live shrimp, Vudu shrimp, wind-blown banks, slicks, and shallow structure have been producing trout, redfish, black drum, and flounder in the Sound and Mobile Bay. Chris Vecsey of J&M Tackle brings the Orange Beach and Gulf Shores report, covering surf trout, redfish, Gulf flounder, ladyfish, bluefish, Spanish mackerel, grass issues, rough-water tactics, weedless plastics, twitch baits, fly fishing, and wake baits over shallow grass. It's a strong episode for anglers trying to make sense of early summer conditions, fish through wind and grass, and pick the right tactic whether they're wading, fishing the surf, working the flats, or running just offshore for snapper. Make Wake Marine Deep South Cranes CCA Alabama Dixie Building Supply / Baker Metal Works Foster Contracting Black Buffalo Slip Ski Solutions Admiral Shellfish Company Coastal Connection Fiber Plastics Inc Hilton's Offshore Charts / Realtime-Navigator McCoy Outdoor Company Ricciardone Dentistry  Midway Lumber Sales Coastal Brew Baits Pure Flats EMS / Endeck Camper City Mobile

In this episode, the guys share stories from Kevin's unforgettable trip to Japan. Then they take a deep dive into how AI is rapidly transforming the travel and tour industry. The conversation focuses on what watersport operators need to do right now to stay competitive, from tracking conversion rates and maximizing phone sales to adapting for AI driven search platforms like ChatGPT and Google Gemini. The hosts explain why traditional SEO and paid ads are becoming less effective, how platforms like Google Things to Do are changing online bookings, and why authentic reviews, social content, and AI optimized websites are becoming essential for visibility. They also explore the future impact of AI on entrepreneurship, marketing, and business operations, encouraging operators to stay proactive, embrace technology, and build lean, highly engaged businesses that can thrive in the next era of tourism.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

The Office of the Comptroller of the Currency has conditionally approved several national trust bank charters for crypto companies. Fabian Dori, head of asset management at Sygnum Bank, a digital asset bank based in Zurich that has operated as a crypto bank for more than six years, shared what happens after the charter.

 David Zaring is legal scholar and professor at the University of Pennsylvania. In David's first appearance on the show, he discusses the role the Great Financial Crisis played in FinReg scholarship, how he came up with the term "skinny" in the new skinny Fed master accounts, the tumultuous road of Custodia vs. the Fed, a reimagined way to look at federal bank charters, whether commerce and banking are actually still separate, Fed independence and how it functions in a more corporatist model, and much more. Watch the full length video on our new YouTube Channel! Check out the transcript for this week's episode, now with links. Recorded on April 24th, 2026 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow David Zaring X: @ZaringDavid Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Timestamps 00:00:00 - Intro 00:02:04 - The Great Financial Crisis and FinReg Scholarship 00:04:58 - David's Experience with Fintech Charter Litigation 00:17:18 - Skinny Charters 00:37:16 - How to Govern the Fed 00:55:10 - Outro

The OCC's 376-page proposed rule under the GENIUS Act is converting stablecoin policy into binding compliance requirements with formal issuer categories. Paxos, BitGo, and Ripple all received OCC trust charter approvals, but a trust charter does not guarantee Fed payment rail access. Klarivis data shows deposit movement from stablecoin-adjacent products is already measurable at community banks. The 26-month application timeline puts anyone starting today against a potential administration change, and sponsor bank programs face new pressure from charter competition and yield-based products.Bank charter confusion, trust charter risks, and Fed Master Account access gaps are creating real problems for fintech operators, sponsor banks, and community bank executives right now. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, and co-host Steve Bishop sit down on Inside the Vault with three former and current regulatory insiders: Syed Raza, former Acting Chief Innovation Officer at the OCC and Managing Director at FTI Consulting; Michele Alt, Co-Founder and Managing Director at Klaros Group; and Ian Moloney, Chief Policy Officer at the American Fintech Council.Find out more1️⃣ Answer four questions before filing: who grants the charter, what powers it includes, what activities are limited, and who examines the institution.2️⃣ Start compliance documentation now; controls, funds flow maps, and exception handling should be ready before the examiner asks.3️⃣ Read the conditions attached to charter approvals; those conditions reveal what regulators did not trust in the application.4️⃣ Align cost sharing, control ownership, and data ownership with your partner before examination forces the conversation.5️⃣ Price the M&A path into your charter strategy; the 26-month timeline means the political window may close before your application clears.Guest LinksSyed RazaFTI ConsultingMichele AltKlaros GroupIan MoloneyAmerican Fintech CouncilSteve BishopFintech ConfidentialPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupportersUnder: Streamline your application and underwriting process by digitizing PDFs for digital signature. under.io/ftcSkyflow: Zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, and SOC 2 compliance. skyflowsecure.comHawk AI: Real-time payment screening, ML transaction monitoring, and dynamic customer risk rating to fight fraud and financial crime. gethawkai.comAbout the GuestsSyed Raza is a Managing Director at FTI Consulting with over 30 years in risk management and regulatory compliance. He previously served as Acting Chief Innovation Officer at the OCC, guiding regulatory policy for fintech licensing.Michele Alt is Co-Founder and Managing Director at Klaros Group. She spent 22 years in the OCC Law Department and advises banks and fintechs on charter applications, regulatory strategy, and bank design.Ian Moloney is Chief Policy Officer at the American Fintech Council. He previously led policy and regulatory affairs at Cross River and served as a Senior Analyst at the U.S. Government Accountability Office.About the Co-HostSteve Bishop is Founder and Chief Ally at amBaaSsador, an education and advisory platform focused on embedded finance and Banking-as-a-Service for financial institutions.About the HostTedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential. Fintech Confidential is a production of DD3 Media, bringing you the people, tech, and companies that change how you pay and get paid.Chapters00:00 Episode Highlights00:36 Welcome to Fintech Confidential03:31 Sky Flow: Building Fast and Secure (Sponsor)04:33 What a Charter Means07:06 OCC Rules and Stablecoins09:43 Why Trust Charters Boom13:50 Under.io: AI-Powered Onboarding & Risk Verification (Sponsor)14:20 Fed Master Account Gap17:59 Sponsor Banking Under Pressure22:15 What to Watch Next25:28 Action Steps and Wrap27:50 Hawk.ai: AI-Driven Financial Crime Detection (Sponsor)28:36 Disclaimer#bankcharter #trustcharter #fintech #occ #stablecoin #geniusact #fedmasteraccount #sponsorbank #baas #fintechregulation #communitybank #bankingcompliance #fintechpolicy #occcharter #depositinsurance #stablecoinyield #bankholding

In anticipation of his return to the commentator's booth this weekend at Charlotte, Dale Earnhardt Jr. sits down with his Prime Video co-hosts Adam Alexander and Steve Letarte. The guys dive into the hot topic of the upcoming Cup Series free agency, in which Kyle Busch finds himself in the most-watched position. They also discuss Hendrick Motorsports' dilemma of what to do with Alex Bowman and the rapidly rising Corey Day, who continues to turn heads on a weekly basis in the O'Reilly Series. And let's not forget Corey Heim, and what that means for Riley Herbst and 23XI Racing.  The conversation also covers the schedule changes we've seen this year in NASCAR and what can be on the horizon in the coming years. They preview the highly anticipated San Diego street race and what drivers will need to do to get up to speed on a new circuit. Finally, the guys take a look at the races that will be covered on Prime Video this season, and they make some predictions of who will be taking home the wins each week. Check out Dirty Mo Media on YouTube: https://www.youtube.com/@DirtyMoMedia Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Joining Iain Dale on Cross Question are the public law barrister and author Marina Wheeler KC, MPs Luke Charters from Labour and Rebecca Smith from the Conservatives, plus the journalist Christina Patterson.

The Waitangi Tribunal is calling on the Government to immediately stop its planned changes to the education law. The Government has confirmed today that it is planning to remove the Treaty Principles within the Education and Training Act. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Step inside the National Archives Rotunda, home of the Charters of Freedom, during America's 250th anniversary. We speak with National Archivist Jim Amburn about preserving the Declaration of Independence, Constitution, and Bill of Rights. Then at the Library of Congress with Kevin Butterfield, we examine Thomas Paine's Common Sense and Jefferson's copy of The Federalist […]

Tonight, on Trackside with Curt Cavin and Kevin Lee, they talk about Alex Palou’s contract extension beyond 2027. They later break down the charter news of teams without charters cannot compete in races other than the Indy 500 beginning next year. They also talk about Colton Herta fastest in Practice for F2 in Miami along with the new CW/ESPN streaming deal for the NASCAR O’Reilly Auto Parts Series. In the second segment, Curt and Kevin talk about their early tier rankings after the two-day open test for the 110th Indianapolis 500. To wrap up another edition of the show, Kevin previews the race weekend with IMSA at Laguna Seca, F1 at Miami, and NASCAR at Texas. See omnystudio.com/listener for privacy information.

In this episode, the guys dive into the often overlooked realities of addiction and mental health in the watersports industry. They unpack how environment, personality, and daily habits can quietly limit both personal well being and business growth. The guys explore the difference between physical and psychological addiction, why industry culture can reinforce unhealthy patterns, and how many operators unknowingly hit a ceiling because of lifestyle choices rather than market conditions. They break down practical paths forward from peer groups and mentorship to fitness, mindset shifts, and emerging therapies while emphasizing that real growth starts with the operator, not just the operation. For anyone looking to scale their business, improve their leadership, or simply feel better day to day, this conversation highlights why investing in your health, environment, and education is one of the highest ROI moves you can make.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

We can thank the new Reserve Bank Governor for ending the week on a high note. New charter details were announced yesterday. Charters and Reserve Banks were once as dry as old dust but these days I think we have a new understanding of the importance of their role. Out of Covid and economic shambles has come more talk than ever about cash rates and inflation and debt and wasteful expenditure. The main change for me is the Monetary Policy votes will be made public, and not a moment too soon. They are already starting to hold press conferences after each decision. Some decisions are statements, some are reviews and, as such, carry different amounts of detail and information. But the idea that they front after each decision shouldn't be new. It should have always happened. Just what was it about the thinking at the lower end of the terrace in the capital that had them believing that simply putting out a statement was plenty. Why wouldn't they want questions? Why wouldn't they want to be held to account? Given everything is streamed these days you can watch it all. There's no need for a journalist to cut and paste a few so-called highlights to skew the narrative. Free and open and complete accountability should be welcomed, and this is overdue. But as for the vote, the same thinking applies. If you hold the power of a committee member and if you get a say in a mechanism as important as the country's cash rate, once again, what's your argument for remaining quiet? To keep it a secret? If the vote is 5-1, who is the one and why? What's wrong with an explanation? For example, there were four dissenting votes yesterday at the Fed. Let's hear about it. Knowledge is power and the fact we are only at this place in 2026 is a crime of sorts. A condescending attitude where they clearly thought we didn't need to know. So far new Governor Dr Anna Breman has introduced pressers, changed the charter and promised to at least partially look through the immediate inflationary impact of the war. So far, so impressive. I like the cut of her gib. Orr vs Breman? No contest. See omnystudio.com/listener for privacy information.

In this episode, the guys sit down with Kevin Walsh to break down how AI and telematics are quickly becoming must have tools for watersport operators looking to run tighter, safer, and more profitable fleets. The guys unpack how platforms like Boat Fix give you real time visibility into your boats tracking engine hours, usage patterns, battery health, and more so you can stay ahead of maintenance, reduce downtime, and make smarter operational decisions. They also dive into how this data is starting to impact insurance rates, improve safety through real time alerts, and even help recover stolen boats. Whether you're running a high volume fleet or a small mom and pop operation, the big takeaway is clear: you don't need complex or expensive systems to start leveraging data and AI just the right tools and mindset to work smarter, not harder.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

In this episode of AML Conversations, Elliot Berman is joined by Jennie Jonas, Senior Vice President of Financial Crime Advisory, to discuss the recent surge in fintechs pursuing OCC limited-purpose trust charters. They explore what's driving this trend, how limited trust charters differ from full bank charters, and why these structures are especially attractive for fintechs operating in payments and digital assets. The conversation also dives into common misconceptions, the reality of “bank‑grade” AML and governance expectations, and what fintechs should prepare for before—and after—receiving a charter. From compliance program design and OCC examination rigor to risk governance, board expectations, and the future evolution of charter authorities, this episode offers practical insight for fintechs considering a charter and for institutions working with chartered fintech partners.

In this episode, the guys kick it off with stories from Miami, where rave culture, luxury waterfront lifestyles, and a chaotic but unforgettable bareboat charter experience spark bigger conversations about the future of the industry. What starts as a fun recap quickly turns into a masterclass for operators, as they unpack the massive opportunity in professionally managing privately owned boats as an asset light rental model, share why early investments in events like The Port can accelerate business growth, and break down how economic shifts could actually drive stronger local demand for water sports in the 2026–2027 seasons. The episode closes with one of their most practical discussions yet on AI, showing operators how to use it for pricing, scheduling, delegation, and high level strategy so they can spend less time working in the business and more time building a scalable, resilient company.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

In this episode, the guys sit down with Brian Mazanti of KCBK Group, the podcast's newest sponsor and a leading expert in the commercial marine space, for a deep dive into what it really takes to build a profitable rental fleet. From the explosive growth of the upcoming port event and the jet ski trailer parking competition giveaway, this episode is packed with opportunities for operators looking to level up. Brian breaks down how KCBK helps rental and boat club businesses source the right pontoons, deck boats, trailers, and financing solutions directly from OEM partners, while avoiding the common mistakes that hurt profitability. The conversation dives into fleet lifecycle strategy, how to price for resale, when to rotate high hour boats, why commercial grade builds matter, and what manufacturers still don't understand about the rental market. [SPONSORS] - This show is sponsored by KCBK Group, Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

We're kicking off the new month this week on Outdoor Magazine radio. First, Captain Jason Graham of Send it Charters and Linwood Beach Marina talks about springtime trolling and getting the boat ready for the water. Then, Steve Windom from Outdoor Mentors has details on our partnership for the third annual Mike Avery Outdoors charity golf outing to get kids outdoors. Hour two features long time Great Lakes Charter Captain Ed Retherford of Trout Scout Charters.  Ed describes the evolution of the fishery and what anglers can expect these days. Doug Deming is up next to talk about fishing the east side of Saginaw Bay and why the Sebewaing Harbor Marina is a good choice for anglers. We're talking turkey guns and patterning your ammo with Jeania Canel of Jay's Sporting Goods in hour three. The show wraps up with Chef Dixie Dave Minar and another great recipe.  

AI is making it easier than ever to run research, but faster doesn't always mean better. In this episode, we dig into what it really means to democratize research responsibly, and why your team probably needs a charter before someone does something they can't take back.Your team is already running research without you. So the real question is: are you going to help them do it well, or just hope for the best?Ned Dwyer is the co-founder and CEO of Great Question, an all-in-one UX research platform built to bring research to everyone in an organization. Not just the people with "researcher" in their title. He's spent years thinking about how teams can democratize access to customer insights without turning research into a free-for-all, and his talk at UX Con is what first put him on my radar.In this conversation, we dig into one of the more divisive topics in our industry right now: research democratization. Ned makes a pretty compelling case that it's not the all-or-nothing argument a lot of people make it out to be. It's a spectrum, and where your organization should land on that spectrum depends on who you're researching, what decisions are being made, and how much risk is on the table. We also get into AI's role in all of this, from AI-moderated interviews to synthesized insights, and where teams tend to get themselves into trouble when they hand over too much to the machine without any real governance in place.The thing I found most useful in this conversation is Ned's concept of a democratization charter, a practical framework for defining who should be doing what kind of research, with which populations, and under what guardrails. It's something I honestly hadn't thought much about before meeting Ned, and I think it's one of the most actionable ideas we've talked about on the show. If your team is already using AI research tools (and let's be honest, they probably are), this conversation is worth your time.Topics:• 01:45 - Ned's origin story and why he built Great Question• 04:10 - The pressure to move fast, and what gets lost when speed wins• 06:11 - The 80/20 rule: how to use AI without publishing slop• 09:45 - Democratization is a spectrum, not a binary• 12:35 - Where guardrails matter most: vulnerable populations and one-way-door decisions• 13:12 - The case for a democratization charter• 19:00 - AI moderation demystified: closer to a talking survey than a human interviewer• 23:00 - Ned's GoDaddy confession: how rogue research goes wrong• 27:00 - Participant fatigue and insight overload: the new risks AI introduces• 31:45 - Rogue research will happen regardless... your job is to make it safer• 43:28 - The Will Smith spaghetti analogy and where AI tools are headed—Thanks for listening! We hope you dug today's episode. If you liked what you heard, be sure to like and subscribe wherever you listen to podcasts! And if you really enjoyed today's episode, why don't you leave a five-star review? Or tell some friends! It will help us out a ton.If you haven't already, sign up for our email list. We won't spam you. Pinky swear.• ⁠⁠⁠⁠⁠⁠⁠⁠Get a FREE audiobook AND support the show⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠⁠⁠⁠Support the show on Patreon⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠⁠⁠⁠Check out show transcripts⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠⁠⁠⁠Check out our website⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on Spotify⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on Stitcher

Reset Breathing, Equalisation Fixes & Ocean Glide: Cindy Yang on Spearfishing, Freediving and Mindset. What happens when a Taiwanese-born Californian firefighter, underwater photographer, and freediving coach moves to Australia for love and brings two decades of ocean wisdom with her? Cindy Yang of Ocean Glide joins Shrek for a wide-ranging conversation that covers her extraordinary life arc — from a hyperactive kid in Taipei who'd never seen the ocean, to chasing abalone on the Northern California coast, to becoming one of the few female firefighters in her station, to eventually leaving her dream career to chase a different kind of depth. Along the way, they dig into practical gold: Cindy's seasickness microdosing protocol, a deep dive into sinus anatomy and why surgery isn't always the answer, her natural wetsuit lube (and exactly how to use it), and the episode's standout gem — the RESET acronym, a breathwork framework drawn from firefighting and freediving that you can use mid-dive, mid-panic, or mid-argument with your kids to snap yourself back into calm, clear decision-making. If you've ever struggled with EQ, stress underwater, or just want to feel more in control in and out of the water, this one's for you. Important Times 00:02:00 — Listener tip from Matt: using coconut oil drops for ear lubrication and near-effortless equalisation, plus a 50/50 vinegar-alcohol rinse for ear hygiene after heavy diving 00:06:00 — PNG spearfishing charter announcement: Shrek and Tim McDonald taking 12 divers to Bali, September 12–20, $7,500 — intermediate-plus, 12m+ divers only 00:07:00 — Cindy Yang intro: free diving coach, underwater photographer, founder of Ocean Glide 00:13:00 — Cindy's origin story: growing up in Taipei, ADHD energy with nowhere to go, parents applying for a US green card when she was born and it coming through 12 years later 00:14:00 — Arriving in California at 12 with zero English, landing in a school with no other Asian students — how adversity sharpened her observation skills 00:19:00 — UC Davis, wildlife conservation biology, and why veterinary school didn't happen 00:20:00 — The moment spearfishing clicked: watching abalone divers emerge from the ocean at Mendocino and immediately joining them in a surf suit with goggles 00:23:00 — Career pivot to firefighting: what it was like being a small Asian woman in a male-dominated American fire station post-9/11, imposter syndrome, and how team culture eventually won out 00:30:00 — Spearfishing journey builds: mentor Larry with a tiny wooden speargun, the annual Mendocino camping extravaganza, and how California diving shaped her ethic 00:33:00 — First trip to Mexico, then the moment a local gear shop owner told her she had to do a PFI course in Kona first — and she did 00:38:00 — Moving to Australia for love: why it took Cindy a full year to write her resignation letter from a job she adored 00:41:00 — Seasickness protocol: how Cindy microdoses Quells (half a tablet early morning, another half at the boat ramp) to dive without drowsiness 00:43:00 — Sinus anatomy explained: why flat-faced anatomy creates drainage issues, the histamine-sinus-EQ connection, and why steroid sprays alone don't fix the root cause 00:44:00 — The allergy desensitisation protocol: visiting an allergist, the checkerboard scratch test, and the injection series that cleared years of chronic sinus inflammation 00:46:00 — Surgery vs integrative medicine for EQ issues: why going ENT-first often skips better options, and the Santa Cruz integrative medicine approach that changed Cindy's health 00:54:00 — Freediving technique: constant diaphragm engagement and why so many divers breathe wrong at the surface without realising it 01:06:00 — Ocean Glide origin story: zinc sunscreen in surf shops, then switching to natural-based wetsuit lube after reacting to chemical conditioners on reef dives 01:09:00 — How to use wetsuit lube properly: one to two teaspoons dry inside the suit, a quarter-cup of water, seal and shake — don't over-dilute 01:13:00 — Shrek's personal story: dropping a full clothing size (42-inch waist to 40, 3XL to 2XL) over three days at a freediving retreat — not weight loss, just inflammation from cortisol reduction 01:20:00 — Why Cindy reframes "breathing up" as "breathing down" — you're not pumping yourself up, you're breathing your nervous system down 01:21:00 — The double inhale technique backed by Andrew Huberman research: how it hijacks a neural circuit to snap your brain out of a stress loop (also works on diaphragm cramps) 01:22:00 — The RESET acronym unpacked: Recognise, Exhale, Stillness, Evaluate, Trust — a step-by-step breathwork framework for in-water panic, life stress, or anything in between 01:32:00 — Firefighting analogy for trust: how tunnel vision in new firefighters mirrors panic underwater, and why you train when you don't need it so it's there when you do Links Mentioned, Partner Deals and Discounts + Froth https://www.instagram.com/cindyatsea/ https://www.cindyatsea.com/links https://oceanglide.co/ Podcasts mentioned https://www.hubermanlab.com/subtopics/breathwork-protocols https://www.hubermanlab.com/episode/how-to-breathe-correctly-for-optimal-health-mood-learning-and-performance https://www.noobspearo.com/dornellas/ - overriding the limbic for freedom Books mentioned Why We Swim by Bonny Siu Deep by James Nestor Breathe by James Nestor Last of the Bluewater Hunters by Carlos Eyles Bluewater Hunting by Terry Maas

(0:00) Intro (1:31) About the podcast sponsor: The American College of Governance Counsel (2:18) Start of interview (3:10) Ben's origin story (7:14) Embracing Nevada as Home. Joining University of Nevada Las Vegas (UNLV) in 2017. (10:14) Joining Wilson Sonsini as Senior of Counsel (2026) (13:00) The Reincorporation Movement. Competition between Delaware, Texas, Nevada and others. *Reference to E201 with Leo Strine (14:28) Tracking Company Reincorporation Movements (at Business Law Prof Blog) (16:02) The Texas vs. Nevada Landscape (17:50) Reasons Companies Move Jurisdictions *Reference to E194 with Richard Blake on SV150 companies (23:15) Delaware advantages (25:32) How Nevada is competing: "[W]e need to be able to do is reduce the friction and the barriers to picking Nevada as a jurisdiction." (26:09) Delaware's SB21 and Its Implications. *Reference to Cornerstone Research report on the increase of M&A settlements and paper Is Delaware Different? Stockholder Lawyering in the Court of Chancery by Jessica Erickson, Adam Pritchard, and Stephen Choi (31:54) The Race to the Bottom theory *Reference to E200 with Betsy Atkins (34:50) Nevada's Business Courts and Future Changes (constitutional amendment) (41:44) The IPO Landscape: Trends and Insights (Delaware fell from over 80% of IPO incorporations in 2022-2024 to just under 62% in 2025; Nevada reached ~17%, and Texas just under 4%). Bill Ackman picking Nevada for the IPO of Pershing Square. (44:45) Addressing Nevada's Reputation (the example of LQR House reincorporating from Nevada to Delaware) *Reference to the Startup Litigation Digest (49:06) Founder-Led Companies and Jurisdiction Choices. Example of Mark Pincus: Founders, Leave Delaware (While You Still Can) (53:46) Nevada's Commission to Study the Adjudication of Business Law Cases (55:50) Books that have greatly influenced his life: Give and Take, by Adam Grant (2013) Drive, by Daniel Pink (2009) Chimpanzee Politics, by Frans de Waal (1982) (57:16) His mentors.  (58:16) Quotes that he thinks of often or lives her life by "To have a friend, you got to be a friend."  (58:39) An unusual habit or an absurd thing that he loves (58:57) The living person he most admires Benjamin Edwards is a Professor of Law at the William S. Boyd School of Law at the University of Nevada, Las Vegas (UNLV). Ben also recently joined Wilson Sonsini as Senior Of Counsel to provide guidance to Nevada-incorporated companies. You can follow Evan on social media at:X: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__To support this podcast you can join as a subscriber of the Boardroom Governance Newsletter at https://evanepstein.substack.com/__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

12. Edward J. Larson Headline: The Intellectual Shift Toward RepublicanSovereignty Larson explores how 1776 transformed colonists into independent actors seeking republican governance over royal charters. Washington adopted a "Fabian" strategy, prioritizing army survival over holding territory after the defeat in Manhattan. (12)1816

Depth Progression for Spearfishing: EQ, Technique, Safety & Training with Mark Davies (Karma Dives) On the Noob Spearo Podcast, host Shrek talks with Mark Davies from Karma Dives (Hervey Bay) about safe depth progression for spearfishing and freediving, focusing on why divers plateau and how to move from 10m to 15m, 20m and beyond. They cover equalisation troubleshooting (tongue positions, head-angle training, pulsing/warmups, balloons), refining technique and streamlining, disciplined surface intervals, and the added risk of spearing versus line diving. Mark shares cautionary blackout/samba stories, warning signs of pushing too hard, and practical training ideas like pool sessions, walking apnea, stretching/diaphragm flexibility, hydration, and gear considerations such as low-volume masks and appropriate fins. Mark also outlines his Maldives depth-progression retreat (ending with tiger shark dives) and mentions upcoming spearfishing retreats. Important Times 00:00 Depth Progression Teaser 00:42 Shoutouts and Trips 02:21 Sponsors and Welcome 03:27 Mark Davies Background 04:19 Freediving Inspiration 08:03 Teaching and Mindset 12:59 Sharks and Big Catches 19:52 Safety Before Depth 23:13 Blackouts and Pool Lessons 31:23 Beginner Depth Barriers 32:58 EQ Techniques and Drills 36:51 Lifestyle and Hydration 39:55 Confidence and EQ Discipline 45:25 Continuous Equalizing Debate 46:46 Breaking Past 10 Meters 48:11 Technique for 10 to 15 50:17 Surface Intervals and Safety 53:02 15 to 20 Training Tools 54:18 Stretching to Prevent Squeeze 57:45 Warmup Dives and Mindset 01:01:55 Team Diving at 20 Meters 01:04:16 20 to 25 Slow Progression 01:07:29 Gear Choices for Depth 01:11:03 Hypoxia Warning Signs 01:14:33 Leg Strength and Fin Power 01:19:43 Maldives Retreat Breakdown 01:28:26 Wrap Up and Next Episodes Links Mentioned, Partner Links and More

In this episode, the guys sit down with Boatsetter CEO Michael Farb to break down how the peer to peer boat rental marketplace is transforming the boating and watersports industry. The conversation explores how platforms like Boatsetter and GetMyBoat are turning underutilized private boats into revenue generating assets while expanding access to boating for millions of new customers. Michael shares insights on the key innovations making this model work from usage based insurance and certified captain networks to data driven fleet growth and marketplace technology. They note challenges faced in the watersports industry including regulatory challenges, rising marketing costs, platform integrations, and managing high risk equipment like jet skis.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

In this episode, the guys sit down with insurance expert Chris Murray to break down what water sport operators actually need to know about commercial insurance from decoding complex policy language to avoiding fraudulent or inadequate coverage that can sink your business. Next they dive into why safety documentation, maintenance logs, and operational discipline directly impact your premiums, underwriting experience and how long term carrier relationships can stabilize rising costs. They also explore the realities of today's insurance market, the difference between part time rental operators and scalable legacy businesses, and the massive untapped opportunity in the peer to peer boat rental space.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

Host Shrek opens the Noob Spearo podcast with a listener voice message from Matt sharing ear-care tips for divers (coconut oil drops before diving and periodic rinses with a 50/50 vinegar and alcohol mix). The episode then jumps into a last-day, post-trip recap of the Whitsundays Sail & Spear Trip, with Sam the Waterman explaining the context: sailing through the Whitsunday Islands to the outer Great Barrier Reef, hundreds of fish landed across the trip, multiple 20kg+ GTs caught on rod and line between spearfishing sessions, and notable catches like Red Throat and Spangled Emperor on luncheon meat, alongside strong crew bonding. In a roundtable-style debrief, guests and instructors share highlights, misses, and "frother" shoutouts: exhaustion from consecutive days of diving, stories of drift dives and tidal creek/lagoon systems, Spanish mackerel attempts using throw flashers and diver formations, bull sharks around the boat, and lessons on relaxing during deep dives (relax jaw, hands, feet; free-float the top 10m). Several divers celebrate first-time or milestone catches including yellow lip emperor, coral trout, Red Throat Emperor, Red Emperor, parrotfish, and multiple GTs landed early in the morning. The group emphasizes buddy diving, safety, instruction quality (notably Tim), and the unique Great Barrier Reef scenery. The episode closes with details on how to join future Sail & Spear charters via spearfishingcourses.com.au, plus a push to watch the video version on YouTube/Spotify and check out the revamped Noob Spearo YouTube channel with help from Sam the Waterman. Important Times 00:00 Podcast intro and where to watch 00:48 Ear care equalization tip 02:11 How to send a voice message 02:38 Sam sets the scene 05:10 Day three recap begins 06:24 Exhaustion and wetsuit woes 07:59 Dive buddy teamwork highlights 09:14 Spanish mackerel scramble 10:22 Trip reflections and family plans 12:24 Ryan's end of trip debrief 14:39 Ja's rampage Pete and fishing lord 17:06 Sponsor break Neptonics ad 18:01 Tony's highlights and firsts 20:15 Liv's injury and deep dive tips 23:56 Laws first fish and mega froths 28:05 Captain Crispy shoutouts and bull sharks 30:39 Steve and Liv buddy diving synchronicity 36:32 Steve on ego and lessons 38:18 Blaze reefscapes and gratitude 41:43 Big Chiz on misses and trout recovery 45:57 Trip Reflections 47:01 Sponsor Adreno Deal 47:46 Neptonics Gear Promo 48:44 Aon Coral Trout Story 51:50 Brogan Big Day Recap 55:32 Aussie Shrek Creek Dives 59:54 Lord Nick Reef Takeaways 01:06:38 Pete Last Session Push 01:08:31 Aqualyte Cramp Fix 01:09:01 Adam and Huss Chaos 01:18:30 Sam Roller Breaks 01:24:07 Tim Wrap Up Lessons 01:28:21 Final Call To Join Links Mentioned, Partner Deals and Discounts

It's audio from The Week In IndyCar YouTube show! TOPICS: The new engine supply extensions for Chevy and Honda plus details on their manufacturer charters. NEW show stickers and retro racing memorabilia: ThePruettStore.com EVERY episode is graciously supported by the Justice Brothers and TorontoMotorsports.com. If you'd like to join the PrueDay podcast listener group, send an email to pruedayrocks@gmail.com and you'll be invited to participate in the Discord chat that takes place every day and meet up with your new family at IndyCar events. Play on Podbean.com: https://marshallpruett.podbean.com/ Subscribe: https://marshallpruettpodcast.com/subscribe Join our Facebook Group: https://www.facebook.com/MarshallPruettPodcast [WTI]

In this episode, host Shrek talks with Rhys Clay, a prominent figure in the Australian spearfishing scene and the creator behind the YouTube channel, No Viz Adventures. Both engage in a lively discussion covering a range of topics, including the cultural shifts within spearfishing, the concept of financing homes through spear catches, the charm of maintaining hobbies alongside a full-time job, and the practical challenges of making and using spearfishing equipment. Rhys shares insightful stories from the spearfishing community, recounts boat mishaps, and gives practical advice on gear, building a budget-friendly boat, and creating a beginner's survival kit. The episode also highlights Rhys's tips on filming spearfishing content, managing a YouTube channel, and the essence of enjoying the journey in spearfishing. Important Times 00:00 Welcome to Reese's Crayfish Castle 00:48 Spearfishing Culture and Ethics 02:01 Reese's YouTube Journey 05:11 Diving Adventures and Challenges 11:56 Boat Mishaps and Lessons Learned 37:54 Recipes and Cooking 39:55 Exploring the ADA Style and Ceviche 40:32 Worst Gear Decisions in Spearfishing 46:59 Building a Budget-Friendly Boat 57:09 Essential Survival Kit for Beginner Spearos 01:03:43 Memorable Underwater Experiences and Final Thoughts Links Mentioned

    Captain Jason Graham of Send it Charters and Linwood Beach Marina is my first guest this week. Jason talks about ice fishing for walleye on Saginaw Bay. Then, Dan Ulfig has an update from the Michigan Wildlife Council on their "Here for Generations" campaign. Hour two kicks off with Joe Velchansky. He's the President of the Michigan Trappers and Predator Caller's Association. Joe talks about the role of trappers today. Predator hunter Merl Jones is up next. Merl has insight into the recent decision by the Michigan NRC to allow coyote hunting year round once again. Next, the Ask Avery segment answers the question of whether a convicted felon can hunt with a muzzleloader in Michigan. We're talking squirrel hunting with dogs in hour three as Rick Hobbs from the Michigan Squirrel Dog Association joins me. The show wraps up with Chef Dixie Dave Minar. This time, it's another tasty fish recipe.

In this episode of the Noob Spearo podcast, host Shrek is joined by Matthew Lewthwaite, who owns the Dive Cave on the Sunshine Coast. They discuss the intricacies and origins behind spearfishing gear, share important community updates, and reminisce about early spearfishing memories. Matt provides insights into starting the Dive Cave, his passion for high-quality gear, and the challenges of running a spearfishing business. They also delve into the local spearfishing scene, the importance of safety, and the journey from basic to advanced spearfishing techniques. The episode blends humor, personal anecdotes, and deep knowledge, making it a must-listen for spearfishing enthusiasts. Important Timestamps 00:00 Introduction and Shoutouts 00:36 Listener's Voice Message 02:01 Spearfishing Retreat Announcement 02:52 Interview with Matt Luth 03:35 Matt's Early Days in Spearfishing 06:04 Spearfishing Adventures in South Africa 24:33 Transition to Australia 30:28 Understanding the Challenges of Spearfishing 30:52 The Importance of Mentorship and Clubs 32:29 The Role of Local Retailers in Spearfishing 33:44 Celebrating the Community and Legends 36:00 The Art and Taste of Crayfish 36:53 The Journey of Spearfishing Gear 39:23 The Craftsmanship Behind Spearfishing Equipment 43:28 The Realities of Manufacturing Spearfishing Gear 46:36 Choosing the Right Spearfishing Gear 52:07 Balancing Quality and Budget in Spearfishing 01:00:37 Honest Advice and Long-Term Relationships 01:01:16 Inspiration from a Fly Fisherman 01:02:22 The Birth of Dive Cave 01:04:02 Social Media and Business Challenges 01:06:50 Spearfishing Innovations 01:19:07 Deep Diving and Spearfishing Passion 01:22:17 Podcast Conclusion and Future Plans Links Mentioned, Partner Deals and Discounts + Froth