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Apply to Become a 1-on-1 Patient DianeKazer.com/PATIENT All Yeptide Resources DianeKazer.com/YEPTIDES Join Our Elite VIP Tribe DianeKazer.com/VIP This is Part 3 of our deep dive into what's REALLY happening with your hormones, and today, we're connecting ALL the dots. In Part 1, we exposed the world of xenoestrogens and environmental toxins and explored how endocrine-disrupting exposures may interfere with hormone signaling and potentially contribute to problems far beyond estrogen alone - from reproductive development and fertility to metabolic and hormone-related health concerns. Then we went deeper into low testosterone, changing hormones and what happens downstream when these systems get disrupted. But there's a much bigger question: How do you know what's actually happening inside YOUR body? Because I'm sick of this idea that we go to our doctor once a year, get a basic blood panel, hear "everything looks normal," and check the HEALTHY ✅ box for another 12 months. Or something is abnormal, we get a prescription to change the number...and somehow that's called "fixing the problem". Or a scan - an MRI, CT, mammogram or ultrasound—finds something unusual and we're told, "Let's just keep an eye on it." But what if that finding is your body waving a flag that something deeper is happening beneath the surface, below the tip of the iceberg? Your MD absolutely has a place on your healthcare team. But I believe you deserve another layer: an annual root-causation health investigation that doesn't stop at "Are you sick enough yet to diagnose?" I want to know: WHY is that marker changing? What is driving it? What are your hormones actually doing? What's happening in your gut? What are you being exposed to? And most importantly - are the things we're doing actually moving your health in the right direction? And that's exactly what we're showing you in Part 3.
Don’t Forget Your Annual Policy Checkup Episode 402 – How long would you go without getting a physical? Life insurance also requires periodic attention. When was the last time you had a policy checkup? What ”symptoms” do you need to watch out for? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 402 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: don't forget your annual policy checkup! When it comes to taking care of your family's needs and helping preserve your wealth for future generations, life insurance may be one of the best tools you can use. It can provide cash to your heirs when it's needed most, peace of mind, and flexibility, very often at a reasonable cost. But no matter who you are, your needs and financial situation are going to be different and change over time. That's why, just like a trip to the doctor, an annual checkup is so important. Procrastination is your enemy in either case. If you wait too long to address an undiagnosed illness or a neglected financial need, it might make the problem much more difficult to solve. When it comes to life insurance, the older you get, the higher the premiums will become. And worse, an unexpected future health development could make it difficult or impossible to obtain new coverage when you need it. The sooner you can address any potential problem, the better. Change can come at you in a hurry. Here are just a few of the life changes that might necessitate an adjustment in your life insurance coverage: Marriage – Either of you may want to help insure the income of the other New home – Many people choose to insure their mortgage; and some banks require it New children, of course, may increase your life insurance needs. The same also might apply for grandchildren. Divorce or a death in the family may prompt you to change your beneficiary. A change in your business fortunes and needs, either good or bad, may impact your life insurance. Growth in your income, or a change in your debts, may require you to adjust the amount of coverage you have. Policy performance is something that usually needs to be studied. Is your policy living up to expectations? Estate or inheritance tax changes could affect your insurance needs. Inflation, over the long term, can silently increase your life insurance needs. Your net worth. At some point, hopefully, your goals may evolve from merely protecting your family's needs to creating a long-term legacy. Children growing up and starting families of their own may decrease your life insurance needs, but as we referenced grandchildren earlier, you may choose to provide for them. So, you need to treat your life insurance much like you treat your own health: conscientiously, and with thorough evaluation. It takes effort. That means meeting with your advisor and getting a regular review, asking questions, and making adjustments as needed. Your future self—and the people who depend on you—will be glad you did. When you go in for your review, you'll need to take a good look at a few things with your life insurance advisor. You can start with some recent policy statements that show the current death benefit, cash value, and premiums due. You should also have your current overall financial statement and an accurate picture of your cash flow. This will be a good way to see if your coverage needs be changed. You will also need to be able to talk about any major life events that might have occurred since the last review. Finally, your advisor will likely need to order a series of “in-force illustrations” on your policies. This will help provide a clearer picture of whether your current policies are performing as originally expected. So, once you've gathered all the information, what exactly are you looking for? Over at LinkedIn, author Rick Bailey has a few suggestions, among them: [1] Is the policy's death benefit still up to date with what you need? How about the premium? Can you still afford it? Don't forget about the all-important beneficiary designations. Do subsequent events require some sort of change? Are there living benefits, such as a policy loan or chronic illness rider that you need to take a look at? Is the policy performing as it was originally intended? Will it require additional cash to keep it going? So, it takes some work to get a clear and understandable picture of the policy and where it sits in your current situation. Is a policy change the best option? Perhaps a term conversion, Section 1035 Exchange, or even a partial surrender (if possible) might be a good choice. An annual review is even a good idea with a term life insurance policy. The death benefit and premium might not change from year to year, but your health might, and your age definitely will. The closer your term policy gets to its end, the closer you may need to look at your conversion options because once the term is up, you'll need to consider three things: Do I need to continue my term life insurance coverage for some reason? If I do need ongoing coverage, can I afford to pay the annually increasing term rates once the term is over? Is permanent insurance an option for me? Has it been a while since your last policy review? Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can help assemble your financial team and coordinate with your attorneys and tax professionals to review your situation, and to determine the insurance plan that will best suit your needs and objectives. [1] Bailey, Rick. “Why Every Life Insurance Policy Deserves a Regular Review.” LinkedIn.com. https://www.linkedin.com/pulse/why-every-life-insurance-policy-deserves-regular-rick-lwdmc/ (accessed September 10, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state. SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options
Here is my latest House mix featuring big new vocal releases by Colonel Red, Soulmekanikz Ft Hannah Khemoh, Quickweave Ft Ed Ramsey, N.W.N. Ft Emél, Wez Whynt & NutownSoul, Babs Presents, Kid Sublime Ft Lady Alma, Bobby & Steve, Harley & Muscle Ft Dawn Tallman and Anna-Marie Johnson & Steve Taylor, Richard Earnshaw, theres deeper tracks from Rick Lenoir, Alexander Flood, Ron Trent, David Bailey, Frits Wentink, Mither, Mike Dunn Starring Michelle Penn, Glenn Underground Ft Tyree Cooper and my favourite track of the moment, the musclecars remix of Mondo Freaks, plus vintage grooves by Calvin Rock, Adeva and Brotha Basil & Brotha Louie... I hope you enjoy the mix xPaul Stuart - Do You Know House 2026 #09 - 28th September 202601. Mondo Freaks - Won't You Decide (musclecars Remix) (Every Star 2026)02. Quickweave - I Want You (Ft Ed Ramsey) (Dreams Raw Dub) (quickweave.bandcamp.com 2026)03. Soul Groove (UK) - The Fall (KaySoul 93 Remix) (Feedasoul 2026)04. Kofi - Step By Step (Jay's Man of Soul Mix) (jaysoul-themanofsoul.bandcamp.com 2026)05. Angie Stone - No More Rain (Wez & Ziggy Re-Fix) (Steady Progression 2026)06. Frits Wentink - Trouble Man (Jovonn Drive Remix) (cloneroyaloak.bandcamp.com 2026)07. Rick Lenoir - The Soul of Dance (The Throwingback Mix) (Patina Skye Music Promo 2026)08. Colonel Red - Heaven (Sean McCabe & Groove Assassin Classic Vocal) (Good Vibrations 2026)09. Colonel Red - Heaven (Sean McCabe & Groove Assassin Classic Dub) (Good Vibrations 2026)10. Kid Sublime Ft Lady Alma - Can You Feel It (Makin Moves 2026)11. Calvin Rock - Take A Chance (Classic Smack Mix) (Smack Music 1997)12. N.W.N. Ft Emél - No More Games (Extended Mix) (Soulfuric Deep 2026)13. Sebb Junior - A Million Ways (Homero Espinosa Extended Tough Mix) (La Vie D'Artiste Music 2026)14. The Checkup & DJ Merci Ft Robert Owens - Don't Change Who You Are (Extended Mix) (Heattraxx 2026)15. Underground Project - Do Right (davidbailey3.bandcamp.com 2026)16. Atjazz & Fred Everything Ft Dominique Fils-Aimé - Be My Shelter (Jimpster Remix) (Lazy Days 2026)17. Rocco Rodamaal & Oliver Night - Body & Soul (Freerange 2026)18. Danny Ryja Ft Rona Ray - Divine Timing (Extended Original Mix) (Raising Records 2026)19. Wez Whynt & NutownSoul - Close To You (Main Mix) (Steady Progression 2026)20. Brotha Basil & Brotha Louie - Freedom Of Dance (Vega Records 2016)21. Soulmekanikz Ft Hannah Khemoh - The Rain (Deepah Mix) (M2Soul Music 2026)22. Bobby & Steve - Just Follow The Vibe (Groove Assassin - Sol Brown Dub) (Groove Odyssey 2026)23. Marc Cotterell Ft Dominic Balchin - Baby Do You Feel Me (Sebb Junior Mix) (Plastic People Digital 2026)24. Marcus Raute - Inner Transmission (Neo Life 2026)25. Mike Dunn Starring Michelle Penn - Dance All Night (Mike Dunn Main MixX) (Blackball Musik 2026)26. Harley & Muscle Ft Dawn Tallman - He Did It (Kai Alcé NDATL Remix) (Soulstar 2026)27. Alexander Flood - Artifact (Peacey Remix) (Atjazz Rec Co 2026)28. Adeva - Respect (Club Vocal Remix Paul Stuart Edit) (Easy Street Records 1993)29. Babs Presents - Know No Peace (Reelsoul Vocal Mix) (Househead London 2026)30. Anna-Marie Johnson & Steve Taylor, Richard Earnshaw - Say Yes (Extended Mix) (Artworx 2026)31. Oscar P - All I Do Is Think (N.W.N. Remix) (Kolour 2026)32. Glenn Underground Ft Tyree Cooper - That Jam (Tyree Cooper Remix) (Strictly Jaz Unit 2026)33. Ron Trent - Night Wind (rontrent1.bandcamp.com 2026)34. Mither, DRS - Cos I Need It (Shutterz Mix) (RPMA Music 2026)
This is an abbreviated version of Checkup's segment on workplace monitoring and your privacy. A growing number of bosses are using productivity software to track employees remotely and in the office. We hear from experts and callers about how this technology is affecting Canadian workplaces, when it becomes a privacy issue and what you can do about it.
Jared and Anne Ladyem (anneladyem.com) return to the world of otome where they find themselves teleported to the world of the Wizard of Oz.
Eine Wohnung als WG zu vermieten bringt mehr Miete pro Quadratmeter, das stimmt sogar. Und genau deshalb wird gerade ein Denkfehler zum Standard: der höhere Kaufpreis wird mit der WG-Miete gerechtfertigt. Marcus zeigt in dieser Kurzfolge, warum die WG-Vermietung keine Eigenschaft der Immobilie ist, sondern eine aktive Strategie, und was das für deinen Kaufpreis bedeutet. Themen dieser Folge: Warum die WG-Miete keine Eigenschaft der Immobilie ist und deshalb nicht in den Kaufpreis gehört Die vier Stellen, an denen der Mehrertrag im Alltag wieder abfließt: Verwaltung, Abnutzung, Nachfrage und Regulierung Warum die steuerliche Struktur von Anfang an geklärt sein muss, nicht erst nach dem Kauf Wann das Modell wirklich passt, und wann die Kalkulation zu teuer wird Dein nächster Schritt: Buch dir einen kostenlosen Checkup auf www.capriconsult.de. Den Link findest du auch in den Shownotes. Vom Sparer zum Investor: der Podcast für HENRYs (High Earners, Not Rich Yet). Kurz, stark und sofort umsetzbar. Viel Spaß beim Hören! Ihr wollt Euren Vermögensaufbau strukturiert, langfristig und mit erfahrener Beratung aufstellen? Bucht Euch ein kostenloses Erstgespräch: https://www.capri-consult.de/kontakt/ Eine kleine Bitte zum Schluss: Wenn Du regelmäßig zuhörst und der Podcast Dir weiterhilft – schenk uns 60 Sekunden Deiner Zeit und hinterlasse eine ⭐⭐⭐⭐⭐-Bewertung. Bewertungen sind für uns der wichtigste Hebel, um in den Charts sichtbar zu werden und noch mehr Menschen zu erreichen, die wir auf ihrem Weg zum finanziellen Erfolg begleiten dürfen. apple podcasts: https://rebrand.ly/abmmo2w spotify: https://rb.gy/tt5swx
This is an abbreviated version of Checkup's Ask Me Anything with former Alberta premiers Jason Kenney and Rachel Notley. With one month to go until the Alberta referendum, the former political rivals join us to answer your questions on Alberta politics and why they're campaigning for Alberta to remain in Canada.
Jared and Anne Ladyem (anneladyem.com) see what Nintendo has in store for us with a Zelda themed Direct and a regular Nintendo Direct.
First-Year Checkup: Florida Coast Medical Center's Healthy StartSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode we answer emails from Jon, David, and Trevor. We discuss teaching teens personal finance without boring them and learning by doing, an early retirement checkup for a high-saving household confirming a $3.6M portfolio can support retirement plans, getting granular on expenses and planning for health care costs, asset location basics, and a useful managed futures white paper.Links:If You Can Book: Microsoft Word - If You Can.docSet For Life: Set for Life: An All-Out Approach to Early Financial Freedom: Trench, Scott: 9781947200807: Amazon.com: BooksFIRE For Dummies: Amazon.com : fire for dummiesSo Good They Can't Ignore You: So Good They Can't Ignore You: Why Skills Trump Passion in the Quest for Work You Love: Newport, Cal: 9781455509126: Amazon.com: BooksMeketa Managed Futures Paper: MEKETA_Trend-Following.pdfBreathless Unedited AI-Bot Summary:Most money advice for teenagers boils down to three lines, yet somehow it still doesn't stick. We dig into why that happens and how to fix it with a simple shift: stop treating personal finance like a reading assignment and start treating it like a hands-on skill. With no-fee trading, fractional shares, and AI tools that can summarize any classic finance book on demand, the real edge is helping young investors build confidence by actually using accounts, placing trades, and watching what happens.We share book recommendations that still earn a spot on the list, including a short starter PDF that delivers the core principles fast, plus a more modern early-career path-to-financial-independence perspective. Then we make the case that the most important “money book” for many teens isn't about investing at all. It's about building skills and career capital so earning, saving, and investing become possible in the first place.Next, we answer a detailed listener question from a burned-out attorney with $3.6M saved who wants to know if he's basically at the finish line. We walk through how to sanity-check retirement readiness, why expense tracking and health care planning matter, and how to think about asset location for tax efficiency. We also tackle the mortgage decision as the personal part of personal finance, and discuss liquidity options like HELOCs and low-rate brokerage margin as tools to keep flexibility.We close with a listener-shared managed futures and trend following white paper and why managed futures can diversify both stocks and bonds in a resilient portfolio. If you find this helpful, subscribe, share the episode with a friend, and leave a rating and review so more DIY investors can find the show.Support the show
Safe Kids Grand Forks' Carma Hanson and Amy Twedell discuss fall child-safety essentials: Child Passenger Safety Week car seat checks, medication take-back events, and recall/resources for vehicle and car seat safety. They also cover concussion awareness and a virtual symposium, hydration and sports safety, e-bike/helmet guidance, Smart Sitter and Safe at Home Alone classes, Halloween visibility tips, fire prevention for lithium-ion batteries, and local programs for low-cost or loaner safety gear.
This is an abbreviated version of Checkup's Ask Me Anything on the threat posed by artificial intelligence. Are the recent dire warnings about AI based on science or science fiction? A professor of computer science and an associate deal of communication and technology we'll answer questions and tell you how worried you need to be about AI.
Jared and Anne Ladyem (anneladyem.com) see what Sony has coming down the pipeline as they held two back-to-back State of Plays.
Went for my annual health checkup today and thought I'd share a bit of info about the system and what I like about it compared to Australia. As always, there's a Word of the Day at the end of the video as well. Thanks for tuning in!Become a supporter of this podcast: https://www.spreaker.com/podcast/ohazassu-podcast--5905520/support.
A strong market can make it easy to assume your retirement plan is on track, but it can also cause your portfolio to drift without you realizing it. In this episode of Protect Your Assets, David Hollander, The Sandman, walks through a mid-year retirement checkup and explains why now may be a good time to take a closer look. David covers three areas to review: rebalancing your portfolio, maintaining enough liquidity for retirement expenses and RMDs, and keeping your investment expectations aligned with your personal goals. Tune in to learn what to look for as you head toward the end of the year. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.
"Human dock." That's what 人間(にんげん)ドック literally says. So what do you think it actually means? Maybe some of you are thinking "human and dog."I went for one recently, and in this episode I talk through the whole morning, from the changing room to sitting down with the doctor at the end. I also get into how it's different from the kenko shindan (健康診断), the free yearly checkup that companies arrange, and the one test I'd rather not do again.
This is an abbreviated version of Checkup's topic on Canadian's travel during the trade war. We hear whether fresh tariffs from the Trump administration have Canadians ready to renew their travel boycotts to the United States. Where are they going instead? And if it's in Canada -- what were the highlights?
This ICYMI episode takes you back to September of 1992. Kids were headed back to school, but there were concerns that Canadian students were falling behind -- spurred by a recent international report on education. There was plenty of blame to go around, but on this day Checkup asked whether parents were part of the problem. Here are voices from Checkup callers from September 6th 1992, reacting to the question: “Are parents failing the school system?”
Jared and Anne Ladyem (anneladyem.com) delve into two shorter games as AL talks about her time with Cauldron and we talk about beating up people in Scott Pilgrim EX.
A review in the fall gives you something a January review can't — time to act on what you find. This episode covers a full check-up: a cash flow review using the categorization your bank has already done, a realistic approach to emergency savings, and the registered accounts with December 31 deadlines. That includes the FHSA, where room only starts building once the account is open, RESP grant timelines that end sooner than most people expect, the RDSP match, and TFSA withdrawal timing that can cost or save you a year of contribution room. We also get into RRSP contribution versus deduction timing, tax-loss harvesting and the superficial loss rule, and how to fund holiday spending over the next 15 weeks rather than in December. Four months is enough time to make a few of these decisions well. Informational purposes only — not legal, tax, or financial advice.
Ahhh school is back in season. But you haven't gotten your physical yet!! So im your school nurse and I'm going to be giving you a physical checkup as well as a lice check :) So sit back, relax, and enjoy!!!psa; genuinely my brain wasn't working so I kept messing up my words in this video lmao idk what happenedSafe Space Calming gummies here:►Amazon: https://a.co/d/04D7qmwH► My Store: https://safespace.store/products/calmingSocials, Donos, & Products here:► https://linktr.ee/haleygutzFind me elsewhere:►ASMR INSTAGRAM: https://instagram.com/safespaceasmr/►PERSONAL INSTAGRAM: https://www.instagram.com/haleygutzz/►ASMR TIKTOK: https://www.tiktok.com/@safespaceasmr►SPOTIFY: https://podcasters.spotify.com/pod/show/safe-space-asmrPost Times:►Sundays & Wednesdays 6pm estThis video was edited by Shawn!! Go show him all the love and reach out if you're interested in an amazing, professional editor! https://x.com/MrTheVestman#asmr #asmrsounds #asmrvideo #relax
This is an abbreviated version of Checkup's topic on a new law in Quebec that would ban the purchase of energy drinks for kids under 16 years of age. We'll hear what Canadians think about the law. And we'll hear from both sides of the debate -- a registered dietitian who helped push the law forward, and a representative from the Canadian Beverage Association will weigh in.
Jared and Anne Ladyem (anneladyem.com) go back to the beginning of the 20th century to see how the mafia is doing in Sicily in this prequel to the Mafia series.
Headlines for August 28, 2026; “Shut Down Dilley”: Rep. Joaquin Castro on “Abusive” ICE Family Jail, Targeting of Military Families; Glacier Collapse: 2K Dead or Missing in Nepal-Tibet Flood Is “Glaring Example of Climate Injustice”; “Don’t be Squeamish About Squamous, Get a Checkup!” Amy Goodman’s Personal Health Update; “Who Paid, Who Gained”: Juan González on How Chicago Funded Real Estate Instead of Social Services; “The Lion King” in Quechua?: New Film “Runa Simi” Profiles Indigenous Artist Keeping Language Alive
On today's show: Headlines “Shut Down Dilley”: Rep. Joaquin Castro on “Abusive” ICE Family Jail, Targeting of Military Families Glacier Collapse: 2K Dead or Missing in Nepal-Tibet Flood Is “Glaring Example of Climate Injustice” “Don't be Squeamish About Squamous, Get a Checkup!” Amy Goodman's Personal Health Update “Who Paid, Who Gained”: Juan González on How Chicago Funded Real Estate Instead of Social Services “The Lion King” in Quechua?: New Film “Runa Simi” Profiles Indigenous Artist Keeping Language Alive Democracy Now! is a daily independent award-winning news program hosted by journalists Amy Goodman and Juan Gonzalez. The post Democracy Now! – August 28, 2026 appeared first on KPFA.
In this episode, Jen walks through a quick employment law checkup every California employer should take. Listeners will learn five questions that can reveal common compliance gaps and how EmployersLawyer can help organizations stay current, spot problems earlier, and make better workplace decisions before small issues become expensive ones.
Duty geezer Leigh Allan and his son and west coast correspondent, Will, revel in White Sox success in the latest edition of Sharing Sox, then take a look at the season to come. First up, pitching — which pitchers are on the upswing, and which are headed toward being worn out and need to be cared for tenderly the rest of the season? Are enough on the upswing to cover for the others, especially Sean Burke, who already has passed his innings total from 2025? Will Davis Martin's IL stint for a blister provide enough rest that he again becomes a useful starter? Then, more generally, is the Sox schedule so for the rest of the season so soft they can hold off the Guardians and their equally soft schedule? FanGraphs and Pecota think so — but just barely. And it's on to the defense, which rates near the bottom in MLB in Defensive Runs Saved (but not as bad as recent years), with catcher (no surprise) and left field (some surprise, since Andrew Benintendi has only played 55 innings there) dragging the rest of the slightly below-average team down. Learn more about your ad choices. Visit megaphone.fm/adchoices
Unlock the tax secrets that Latinx entrepreneurs and freelancers rarely hear — and how to save thousands before year's end. This isn't generic advice; it's expert insights you can act on today to optimize your income, avoid costly mistakes, and keep more money in your pocket. Timing is everything and August is your prime moment to review your finances. Check your pay stubs, talk to your kids about their summer gigs, and ensure your tips and overtime are accurately reported. This episode arms you with the tools and knowledge to take control of your taxes now, so you can finish the year strong and stress-free. #SaveOnTaxes #TaxStrategy #SmartTaxMoves #IncomeOptimization #TaxEfficiencyRandy's Social MediaInstagram: @randygmz.mbaFacebook: Randy Gomez Mba EALinkedIn: Randy Gòmez, MBA, EA
This is an abbreviated version of Checkup's topic on the breakdown in trade talks between Canada and the U.S. Without an agreement, agreement, a new round of 50 per cent tariffs on Canadian goods are now in place, and Prime Minister Carney is vowing to fight back with retaliatory tariffs to come. We hear from business owners and experts on both sides of the border about what happens next, and Canadians share how this never-ending trade dispute is affecting them.
From Caterpillar Chaos to Butterfly Consciousness: Choosing the Enlightenment Option August 11, 2026 Check Up from the Neck Up Reality Report August 12, 2026 / Solar Eclipse Healing a Broken World - Promptly Conceive => Believe => Achieve August 17, 2026 Have a Good Laugh! Levity in Brevity August 19, 2026 True Revelations Are Disruptive For 'BS' (Belief Systems) August 22, 2026 The Enlightenment Option Vision-Virtue-Valor for Victory Cosmic Frequencies and Love in Action Christopher Rudy opens the program by describing Cosmic Love as a broadcast about fast-changing world news, consciousness, and Aquarian frequencies. He introduces an AI-assisted song created with co-producer Donald Newsom from Rudy's own Cosmic Love material. The lyrics emphasize love as a source of peace, healing, unity, forgiveness, and conscious evolution. Rudy says the gospel and rap elements energize him because of their frequencies. He frames love in action as the spirit that matters and as the power capable of lifting collective consciousness. The song establishes the program's recurring themes of spiritual awakening, unity, and personal responsibility. Newsletters and the Cosmic Weather Report Rudy organizes the program around five recent newsletters, including Checkup from the Neck Up, The Enlightenment Option, Healing a Broken World Promptly, Have a Good Laugh, and True Revelations Are Disruptive. He describes each newsletter as a Cosmic Love sandwich containing truth, light, love, substantive material, satire, and humor. His cosmic weather report focuses on the sun's transition from Leo into Virgo, yod configurations, the moon in Capricorn, and a cardinal grand cross. Rudy interprets these patterns as concentrating transformational fire and bringing impurities in collective consciousness to the surface. He compares the process to alchemy, in which heat purifies gold by separating unwanted material. These astrological interpretations are presented as Rudy's spiritual and metaphysical analysis. The Caterpillar and Butterfly Metaphor The central metaphor portrays civilization as a caterpillar dissolving inside a cocoon before emerging as a butterfly. Rudy says current chaos, institutional decline, political conflict, and media dysfunction represent the disintegration stage rather than a final collapse. Caterpillar thinking includes cognitive dissonance, paradigm paralysis, stinking thinking, and what he calls being stuck in negativity. Butterfly consciousness represents enlightenment, unified-field awareness, 5D perception, and a new common sense based on global unity in diversity. He encourages listeners to review how far they have moved beyond caterpillar thinking and envision how they can mature and soar. The metaphor allows Rudy to present current instability as a painful but potentially constructive stage of conscious evolution. Communication, Technology, and AI Rudy links global enlightenment to the evolution of communications technology, from Netscape Navigator and early email to interactive media and publishing platforms such as Substack. Drawing on ideas he attributes to Mark Andreessen, Walt Disney, and Buckminster Fuller, he argues that meaningful change comes from building a new model that makes an old one obsolete. He imagines a transition from hardware, software, and networks toward “heartware” and a global TLC reset involving telecommunications, telecare, teleconscience, telecommunity, and telecommerce. AI, in his view, can strengthen authentic intelligence when prompted with love, wisdom, and a whole-system purpose. He presents his AI-assisted music and imagery as examples of the technology's creative potential. At the same time, he warns that AI infrastructure may also support surveillance and a digital control grid when directed by entrenched power. Spiritual Evolution and Aquarian Change Rudy discusses ascended masters, Saint Germain, a 13-moon calendar, the Knowledge Book, and videos about ascension and human evolution. He describes the 2020s as a major turning point at the cusp of Aquarius and treats Uranus in Gemini as a symbol of rapid insight, innovation, AI, and quantum change. In his interpretation, geometry, astrology, Hermetic teaching, alchemy, and quantum reality all point toward an ordered and interconnected universe. He envisions humanity developing unified-field consciousness and becoming the United Sovereigns of Earth within an interactive global village. Rudy acknowledges that people occupy different positions across a spectrum of consciousness and that the change will not occur all at once. He urges listeners to set an intention, focus their attention, retain love, and pursue personal and planetary ascension. Institutional Criticism and a Hopeful Conclusion The latter part of the program presents Rudy's criticism of governments, corporations, media, medical institutions, pharmaceutical companies, immigration policy, climate reporting, election systems, and COVID-era public-health narratives. He quotes or paraphrases memes and public figures while alleging institutional deception, financial conflicts, censorship, and manipulation. These claims, figures, and attributions are statements made by Rudy and are not independently verified in the transcript package. He balances the serious accusations with humor, wordplay, and an appeal to maintain a constructive attitude. Rudy concludes that revelations disrupting old belief systems may ultimately clear the way for a more compassionate and enlightened civilization. His final advice is to keep faith, see the good, dance freely, love openly, and become the change one wants to see. SEO KEYWORDS / KEY PHRASES conscious evolution and awakening, Aquarian age frequencies, caterpillar to butterfly consciousness, artificial intelligence and spirituality, global communication transformation, unified field consciousness, astrology and quantum reality, ascension and higher consciousness, institutional paradigm shift, love in action
This ICYMI episode takes you back to May of 2016. The Tragically Hip's Gord Downie shocked Canada when he announced he had terminal brain cancer at the age of 52. The Hip also announced they would embark on what would end up being the band's final tour. Here are voices from Checkup callers on May 25, 2016, reacting to Gord Downie's diagnosis, and the question: “Is the Tragically Hip Canada's band?”
Jared and Anne Ladyem (anneladyem.com) go back to the year 2000 to see what's up with Sony's foray into JRPGs with The Legend of Dragoon. AL played through the game to see if this game matches up with how she remembers it.
What should you get regularly checked out on your vehicle? From brakes to battery, it's important to know what's going on with our car's health on a regular basis. Nick lets us know the effect summer heat has on our car battery, when we should check our brakes, and other important checkup musts. Jeff from Spicer calls in to ask Nick about his stalled blower motor. If you have a car question or need your vehicle looked at visit Nick and his team at lloydsautomotive.net or give them a call 651-228-1316!
Send us Fan MailBonus episode # 100: You can be fully booked, gaining customers, and still feel like the business never throws off real money and pricing is often the reason. We take a hard look at the question many small business owners avoid: what if you are not charging enough for what you already sell? When pricing is off, it quietly hits revenue, profit margin, and cash flow all at once, and “more sales” can actually magnify the damage.The goal is not to charge the highest price possible, but to set a sustainable price that matches customer value, market conditions, and the profitability your business needs to grow. If this helped, subscribe, share it with a business owner friend, and leave a review with the pricing challenge you are facing right now.Please connect with me on:1. Instagram: stephen.mclain2. Twitter: smclainiii3. Facebook: stephenmclainconsultant4. LinkedIn: stephenjmclainiiiFor more resources, please visit Finance Leader Academy: financeleaderacademy.com.Support the showStephen is an experienced Finance Professional and Leader who offers fractional CFO services and development opportunities. Please visit his LinkedIn profile or Finance Leader Academy for more information.The views and information shared on The Finance Leader Podcast are intended solely for educational and informational purposes. They do not constitute financial, accounting, tax, legal, investment, or other professional advice. Always seek guidance from a qualified professional before making decisions related to your specific circumstances.
Today on the show, we take a break from our usual programming to bring you a complete guide on what your health checkup should include—regardless of your age, sex, or lifestyle.The Indian Express' Anonna Dutt breaks down which tests are an absolute must, which ones are unnecessary, how often you should get them done, and whether a good result on paper means you can skip a visit to the doctor.This episode was originally recorded in May last year, but the conversation remains just as relevant.Hosted, produced and written by Shashank BhargavaEdited and mixed by Suresh Pawar
This is an abbreviated version of Checkup's topic on close calls while swimming. Hundreds of people die every year from drowning in Canada. And parts of the country are already seeing a spike in accidental drowning deaths so far in 2026. We'll hear how Canadians learned to swim, scary moments they've faced while submerged, and hear tips about how to stay safe in open waters.
This ICYMI episode takes you back to November of 2002. That's when Prime Minister Jean Chrétien's director of communications was overheard calling U.S. President George W. Bush a 'moron' at the NATO summit in Prague. On November 24th 2002, Checkup callers weighed in on whether the comment was harmless, or if it would chill the trade dialogue between Ottawa and Washington.
As the holidays approach, year-end financial planning involves more than setting a gift budget. In this episode, Steve Sexton is joined by Peter Colis, Co-Founder and CEO of Ethos, to discuss the financial areas families should review before closing out the year. They discuss: How to set realistic holiday spending limits before seasonal expenses pile up Why "silent" holiday costs like travel, hosting, groceries, and year-end tipping belong in the budget Reviewing savings, investments, debt, and financial goals before the new year How to prioritize emergency savings, retirement contributions, and high-interest debt Why open enrollment is an opportunity to reevaluate workplace benefits and insurance coverage The differences between term and permanent life insurance Why employer-provided life insurance may not provide all the protection a family needs Learn more about the show at www.SavingWithSteve.us
Jared and Anne Ladyem (anneladyem.com) go on a big walk to solve puzzles, explore the wilderness, and discover more friendship.
On this episode, Dani, Rachel, and Levi join Elizabeth Delmelle, Associate Professor in the Weitzman School of Design at the University of Pennsylvania and Director of the Masters in Urban Spatial Analytics (MUSA) program, to talk a bit about how AI continues to change our academic practice. About a year ago, GLaD went on the record about how AI was impacting how we work, live, teach, and research. And wow! How things have changed! Or have they? The tools have definitely gotten better in some ways, the capital-”D” Discourse has certainly moved on a bit, and at least one of us has apparently made friends with a chatbot named Claude. So today is our one-year check-up. Join us to reflect on what stuck, what didn't, and what we're thinking about today that we weren't a year ago. Links - UPenn MUSA program - AI & GLaD in Practice: a field report - Simon Willison's writing on AI - Matt Rocklin: "The surprising value of AI today isn't super-human depth. It's super-human breadth."
The doctor has some interesting things to say to our adventurers, and before they know it, they're off on the next leg of their adventure!
Bald geht die Schule wieder los. Deshalb platzt die Werkstatt aus allen Nähten: viele haben ihre Räder zum Checkup gebracht und gerade da taucht plötzlich wieder Tiamryor auf...Eigentlich sollte er noch im Orden des Columbus lernen, dass Fahrräder nichts Schlimmes sind und er sie deshalb auch nicht zerstören muss. Doch da ist er wieder, mitten im Fahrradladen: Tiamryor! Er sagt, er sei in friedlicher Mission unterwegs. Er hat ein Geschenk mitgebracht, als Friedensangebot, sagt er. Auch als Frau Muschelknauz zu Besuch in die Werkstatt kommt, hat sie Kekse für Figarino dabei und auch etwas für den Kater…in so einer liebevollen und harmonischen Stimmung kann doch nichts mehr schief gehen oder doch? Autorin: Franziska Anna Opitz KarkTon und technische Realisierung: Holger KliemchenVerantwortliche Redakteurin: Sandra M. Hänel In den Rollen:Raschid Daniel Sidgi als Figarino und sein Piratenkater Kater Long John SilverCorinna Waldbauer als Frau MuschelknauzPeter Hartlapp als Tiamryor Geeignet für Kinder ab 8 Jahre
Are you overlooking retirement planning opportunities simply because it’s not the end of the year? On this episode, Abe Abich discusses why a mid-year financial checkup can be an important part of staying on track. He covers retirement contribution limits, managing excess cash, reviewing spending and income plans, evaluating tax opportunities, checking Social Security records, and updating beneficiary and estate planning documents. Abe explains how regular reviews can help align your retirement strategy with changing goals, market conditions, and life events before year-end deadlines arrive. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
Most people only think about taxes twice a year: while filing, and while dreading filing next time. That gap is exactly where expensive surprises are born. Today's episode is a genuine mid-year tax tune-up, the kind of checkup that takes maybe twenty minutes and can quietly save you from an ugly bill, an unexpected penalty, or a refund that wasn't actually a win. No jargon-heavy lecture, just a clear walkthrough of what to check right now while there's still time to fix it.What You'll Walk Away WithWhy a big tax refund last year tells you almost nothing about whether you're on track this yearThe four numbers you actually need to know to build your own mini tax forecast in one sittingHow the IRS "safe harbor" rule works, and the two different percentage thresholds that keep you penalty-freeA common myth about side hustle income that trips up more people than you'd expectWhy switching to a Roth 401k without a plan can quietly blow a hole in your monthly cash flowThe real math behind donor-advised funds, and why writing a check to charity may be leaving money on the tableA simple gut-check for figuring out whether you need a professional or can handle a financial fix yourselfWhy This Matters NowIn your 40s, your financial life usually gets more complicated before it gets simpler: a raise here, a side hustle there, maybe two incomes in the household, maybe a bonus that shows up at an inconvenient time. Each of those changes quietly shifts what you owe, and waiting until April to notice means you've lost your best chance to do anything about it. A twenty-minute check now isn't about becoming a tax expert. It's about making sure next spring is boring instead of stressful, which, when it comes to taxes, is exactly the goal.From the BasementA home AC disaster turns into an unexpectedly useful lesson about getting a second opinion before writing a big check, whether it's for a repair, a service, or apparently, a $3,000 HVAC estimate that turned out to be a $300 fix. Consider it a bonus lesson in trusting your gut when something doesn't add up.Resources MentionedStacking Benjamins Tax Guide — free guide for organizing your mid-year tax reviewStacko Financial Action Month board — the interactive game with a money move for each dayField Kit Finance — track net worth, spending, and subscriptions in one placeDaffy — donor-advised fund platform referenced for charitable giving strategyIRS Estimated Tax Payments — where to make an estimated payment directlySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
"Investors remain cautiously optimistic," says Investopedia's Caleb Silver. He and Diane King Hall catch up at the NYSE desk on what stocks, what trends, what market stories are catching the attention of investors so far this summer. For the month ahead, he says the high-beta play isn't in vogue now and sees investors looking to ETFs instead of single stocks. Later, Caleb posits the question: Is the stock market too big to fail? ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about
12 areas of assessment to make sure your life is on course. How does your life look when you hold it up to the light? In part two of Checkup, Pastor Jim completes his twelve-area assessment, a practical, biblical, and refreshingly honest self-examination designed to help you make sure your life is truly on course with God. From marriage and finances, to your thought life, your witness, and everything in between, this message will pinpoint the areas where you're thriving and gently challenge the ones that need attention. There's no condemnation here, just clarity, encouragement, and the tools to help you get back on track and keep moving forward with purpose.
The Mid-Year Money Checkup: 9 Things to Check Before the Year Slips AwayYou change your oil every 5,000 miles or so. Nobody waits for the engine to seize up on the highway to think about it. Your finances deserve the same treatment — and we're right at the halfway point of the year, which is exactly the moment to pop the hood before a bunch of December deadlines sneak up on you.This episode is nine things, no long story, no single deep dive. Some apply if you're a business owner, some don't — but almost everyone listening will hear at least three or four that apply directly to them."A fifteen-minute check-in in July is a lot cheaper, financially and emotionally, than the same conversation happening in a panic in December."The 9-Item Checklist1. The Roth Conversion Window — a lower-income or down-market year can make this the best conversion opportunity you'll get.2. Charitable Giving Strategy — bunch giving or fund a donor-advised fund now, not in the last week of December.3. Retirement Contribution Pace Check — are you actually on track to max out by December 31st?4. Buy-Sell Agreement & Valuation Freshness Check — business owners: does that document still reflect reality?5. The Mid-Year P&L Sit-Down — with your CFO, CPA, advisor, or just yourself and a cup of coffee.6. The Zombie Subscription Audit — find the charges you forgot you were paying for.7. Portfolio Drift Check — your allocation has probably wandered from target, even if you never touched it.8. The Net Worth Snapshot — recalculate it and compare to January. Fifteen minutes, real data instead of a vibe.9. Did Anything Big Happen This Year? — marriage, divorce, a new kid, a home purchase, a sale. Any of these should trigger a full plan review, not just a line-item update.Episode Timestamps00:00 — Cold open: the oil change analogy02:15 — 1. The Roth Conversion Window04:15 — 2. Charitable Giving Strategy06:15 — 3. Retirement Contribution Pace Check08:15 — 4. Buy-Sell Agreement & Valuation Freshness Check10:15 — 5. The Mid-Year P&L Sit-Down14:00 — 6. The Zombie Subscription Audit16:00 — 7. Portfolio Drift Check18:00 — 8. The Net Worth Snapshot20:00 — 9. Did Anything Big Happen This Year?22:30 — Close: pick two, put a date on the calendarGot a question raised by this list? Book a free 20-minute Vision Call: weeklywealthpodcast.com/visionKnow someone who needs this list more than you do? Send them the episode — it's more useful than another group text about the weather.Resources MentionedSellability Score — for business owners revisiting their buy-sell agreement or valuationBook a Vision Call
Consider getting your IRA in shape this summer instead of waiting for the calendar to flip to next year. A midyear checkup could help you optimize your retirement account to benefit from its tax advantages sooner than later. Morningstar's FundInvestor newsletter has highlighted investment ideas for folks who want to keep it simple, maximize tax advantages, or strive for capital appreciation. Morningstar's senior principal of ratings Russ Kinnel shares his favorite fund ideas for an IRA. IRA Favorites for Your Retirement Saving Plan On this episode: 00:00:00 Welcome 00:01:16 IRA basics and how Russ Kinnel invests in his IR 00:01:58 One-stop fund favorites for keeping it simple 00:03:45 Funds for maximizing tax advantages 00:06:38 Ideas to take the most advantage of tax-free compounding by focusing on capital appreciation 00:08:44 Could the funds also work in a Roth IRA? Watch more from Morningstar: What Investors Should Watch for in the Second Half of 2026 Dividend Investing: How to Find the Right Balance Between Income and Growth Are Mutual Funds Becoming Obsolete? Follow Morningstar on social: Facebook: https://www.facebook.com/MorningstarInc/ X: https://x.com/MorningstarInc Instagram: https://www.instagram.com/morningstarinc/ LinkedIn: https://www.linkedin.com/company/morningstar/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Bobby shares what happened at Baby Billie’s 4-month checkup and where she ranks for her age. Amy shared a life redemption story of a person she knew from Haiti. We got into discussion about Amy’s travels to Haiti and the most unsafe moments. Eddie shared something on his body that had been bothering him that was finally healed. Lunchbox shared something good he was able to do yesterday that led to something concerning today. Morgan shared how she had a long conversation with a neighbor after an annoying situation they were both dealing with. We talked to a listener who spent a crazy amount on World Cup tickets.See omnystudio.com/listener for privacy information.