Podcasts about Cleland

"The Story of the 12 disciples" presented by David Cleland 2-8-2026

The Church conclusion presented by David Cleland.

The topic of "The Church" presented by David Cleland.

Fanny Hill no es solo el primer best-seller porno de lahistoria: es la primera novela que dice alto y claro que una mujer puede desear, gozar y contar su placer sin pedir perdón. En un siglo lleno de hipocresía, Cleland creó una heroína libre, alegre y poderosa que sigue siendo revolucionaria hoy. Léela y entenderás por qué la prohibieron durante 200 años… y por qué nunca pudieron pararla."Crónicas Lunares di Sun" es un podcast cultural presentado por Irving Sun, que abarca una variedad de temas, desde la literatura y análisis de libros hasta discusiones sobre actualidad y personajes históricos. Se difunde en múltiples plataformas como Ivoox, Apple Podcast, Spotify y YouTube, donde también ofrece contenido en video, incluyendo reflexiones sobre temas como la meditación y la filosofía teosófica. Los episodios exploran textos y conceptos complejos, buscando fomentar la reflexión y el autoconocimiento entre su audiencia, los "Lunares", quienes pueden interactuar y apoyar el programa a través de comentarios, redes sociales y donaciones. AVISO LEGAL: Los cuentos, poemas, fragmentos de novelas, ensayos y todo contenido literario que aparece en Crónicas Lunares di Sun podrían estar protegidos por derecho de autor (copyright). Si por alguna razón los propietarios no están conformes con el uso de ellos por favor escribirnos al correo electrónico cronicaslunares.sun@hotmail.com y nos encargaremos de borrarlo inmediatamente. Si te gusta lo que escuchas y deseas apoyarnos puedes dejar tu donación en PayPal, ahí nos encuentras como @IrvingSun  https://paypal.me/IrvingSun?country.x=MX&locale.x=es_XC  Síguenos en:  Telegram: Crónicas Lunares di Sun  ⁠Crónicas Lunares di Sun - YouTube⁠ ⁠https://t.me/joinchat/QFjDxu9fqR8uf3eR⁠  ⁠https://www.facebook.com/cronicalunar/?modal=admin_todo_tour⁠  ⁠Crónicas Lunares (@cronicaslunares.sun) • Fotos y videos de Instagram⁠  ⁠https://twitter.com/isun_g1⁠  ⁠https://www.google.com/podcasts?feed=aHR0cHM6Ly9hbmNob3IuZm0vcy9lODVmOWY0L3BvZGNhc3QvcnNz⁠  ⁠https://open.spotify.com/show/4x2gFdKw3FeoaAORteQomp⁠  https://mx.ivoox.com/es/s_p2_759303_1.html⁠ https://tunein.com/user/gnivrinavi/favorites⁠ ORTOLARRY:  - NORTE 9 #175 ESQ. OTE 164. COLONIA MOCTEZUMA SEGUNDA SECCION. CDMX - NORTE 17# 211-A COLONIA MOCTEZUMA SEGUNDA SECCION C.P 15530 ALCALDIA VENUSTIANO CARRANZA CDMX  Teléfonos: 5557860648, 5524158512. Whatsapp: 5561075125 

Mary - Luke 1 presented by David Cleland

Christmas Eve Service by David Cleland

Luke 2:22-38 The story of Simeon and Anna presented by David Cleland

X101’s Matt Brooks sits down with Legislator of District 10, Reed Cleland, for a year in review of 2025, and his goals for 2026. The post Legislator Reed Cleland’s Year in Review for 2025, and Goals for 2026 appeared first on X101 Always Classic - WXHC.com.

Acts 18:18-28 presented by David Cleland

Acts 17:1-17 presented by David Cleland

Between King Cotton and Queen Victoria: How Pirates, Smugglers, and Scoundrels Almost Saved the Confederacy (U Georgia Press, 2025) by Dr. Beau Cleland recenters our understanding of the Civil War by framing it as a hemispheric affair, deeply influenced by the actions of a network of private parties and minor officials in the Confederacy and British territory in and around North America. John Wilkes Booth likely would not have been in a position to assassinate Abraham Lincoln, for example, without the logistical support and assistance of the pro-Confederate network in Canada. That network, to which he was personally introduced in Montreal in the fall of 1864, was hosted and facilitated by willing colonials across the hemisphere. Many of its Confederate members arrived in British North America via a long-established transportation and communications network built around British colonies, especially Bermuda and the Bahamas, whose primary purpose was running the blockade. It is difficult to overstate how essential blockade running was for the rebellion's survival, and it would have been impossible without the aid of sympathetic colonials. The operations of this informal, semiprivate network were of enormous consequence for the course of the war and its aftermath, and our understanding of the Civil War is incomplete without a deeper reckoning with the power and potential for chaos of these private networks imbued with the power of a state. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Between King Cotton and Queen Victoria: How Pirates, Smugglers, and Scoundrels Almost Saved the Confederacy (U Georgia Press, 2025) by Dr. Beau Cleland recenters our understanding of the Civil War by framing it as a hemispheric affair, deeply influenced by the actions of a network of private parties and minor officials in the Confederacy and British territory in and around North America. John Wilkes Booth likely would not have been in a position to assassinate Abraham Lincoln, for example, without the logistical support and assistance of the pro-Confederate network in Canada. That network, to which he was personally introduced in Montreal in the fall of 1864, was hosted and facilitated by willing colonials across the hemisphere. Many of its Confederate members arrived in British North America via a long-established transportation and communications network built around British colonies, especially Bermuda and the Bahamas, whose primary purpose was running the blockade. It is difficult to overstate how essential blockade running was for the rebellion's survival, and it would have been impossible without the aid of sympathetic colonials. The operations of this informal, semiprivate network were of enormous consequence for the course of the war and its aftermath, and our understanding of the Civil War is incomplete without a deeper reckoning with the power and potential for chaos of these private networks imbued with the power of a state. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/military-history

Between King Cotton and Queen Victoria: How Pirates, Smugglers, and Scoundrels Almost Saved the Confederacy (U Georgia Press, 2025) by Dr. Beau Cleland recenters our understanding of the Civil War by framing it as a hemispheric affair, deeply influenced by the actions of a network of private parties and minor officials in the Confederacy and British territory in and around North America. John Wilkes Booth likely would not have been in a position to assassinate Abraham Lincoln, for example, without the logistical support and assistance of the pro-Confederate network in Canada. That network, to which he was personally introduced in Montreal in the fall of 1864, was hosted and facilitated by willing colonials across the hemisphere. Many of its Confederate members arrived in British North America via a long-established transportation and communications network built around British colonies, especially Bermuda and the Bahamas, whose primary purpose was running the blockade. It is difficult to overstate how essential blockade running was for the rebellion's survival, and it would have been impossible without the aid of sympathetic colonials. The operations of this informal, semiprivate network were of enormous consequence for the course of the war and its aftermath, and our understanding of the Civil War is incomplete without a deeper reckoning with the power and potential for chaos of these private networks imbued with the power of a state. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/caribbean-studies

Between King Cotton and Queen Victoria: How Pirates, Smugglers, and Scoundrels Almost Saved the Confederacy (U Georgia Press, 2025) by Dr. Beau Cleland recenters our understanding of the Civil War by framing it as a hemispheric affair, deeply influenced by the actions of a network of private parties and minor officials in the Confederacy and British territory in and around North America. John Wilkes Booth likely would not have been in a position to assassinate Abraham Lincoln, for example, without the logistical support and assistance of the pro-Confederate network in Canada. That network, to which he was personally introduced in Montreal in the fall of 1864, was hosted and facilitated by willing colonials across the hemisphere. Many of its Confederate members arrived in British North America via a long-established transportation and communications network built around British colonies, especially Bermuda and the Bahamas, whose primary purpose was running the blockade. It is difficult to overstate how essential blockade running was for the rebellion's survival, and it would have been impossible without the aid of sympathetic colonials. The operations of this informal, semiprivate network were of enormous consequence for the course of the war and its aftermath, and our understanding of the Civil War is incomplete without a deeper reckoning with the power and potential for chaos of these private networks imbued with the power of a state. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-south

Between King Cotton and Queen Victoria: How Pirates, Smugglers, and Scoundrels Almost Saved the Confederacy (U Georgia Press, 2025) by Dr. Beau Cleland recenters our understanding of the Civil War by framing it as a hemispheric affair, deeply influenced by the actions of a network of private parties and minor officials in the Confederacy and British territory in and around North America. John Wilkes Booth likely would not have been in a position to assassinate Abraham Lincoln, for example, without the logistical support and assistance of the pro-Confederate network in Canada. That network, to which he was personally introduced in Montreal in the fall of 1864, was hosted and facilitated by willing colonials across the hemisphere. Many of its Confederate members arrived in British North America via a long-established transportation and communications network built around British colonies, especially Bermuda and the Bahamas, whose primary purpose was running the blockade. It is difficult to overstate how essential blockade running was for the rebellion's survival, and it would have been impossible without the aid of sympathetic colonials. The operations of this informal, semiprivate network were of enormous consequence for the course of the war and its aftermath, and our understanding of the Civil War is incomplete without a deeper reckoning with the power and potential for chaos of these private networks imbued with the power of a state. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/british-studies

David Cleland Acts 17:16-34 “The things we cannot know”

David Cleland “Be Thankful” Luke 17:11-19

Episode overviewJohn Martinis, Nobel laureate and former head of Google's quantum hardware effort, joins Sebastian Hassinger on The New Quantum Era to trace the arc of superconducting quantum circuits—from the first demonstrations of macroscopic quantum tunneling in the 1980s to today's push for wafer-scale, manufacturable qubit processors. The episode weaves together the physics of “synthetic atoms” built from Josephson junctions, the engineering mindset needed to turn them into reliable computers, and what it will take for fabrication to unlock true large-scale quantum systems.Guest bioJohn M. Martinis is a physicist whose experiments on superconducting circuits with John Clarke and Michel Devoret at UC Berkeley established that a macroscopic electrical circuit can exhibit quantum tunneling and discrete energy levels, work recognized by the 2025 Nobel Prize in Physics “for the discovery of macroscopic quantum mechanical tunnelling and energy quantisation in an electric circuit.” He went on to lead the superconducting quantum computing effort at Google, where his team demonstrated large-scale, programmable transmon-based processors, and now heads Qolab (also referred to in the episode as CoLab), a startup focused on advanced fabrication and wafer-scale integration of superconducting qubits.Martinis's career sits at the intersection of precision instrumentation and systems engineering, drawing on a scientific “family tree” that runs from Cambridge through John Clarke's group at Berkeley, with strong theoretical influence from Michel Devoret and deep exposure to ion-trap work by Dave Wineland and Chris Monroe at NIST. Today his work emphasizes solving the hardest fabrication and wiring challenges—pursuing high-yield, monolithic, wafer-scale quantum processors that can ultimately host tens of thousands of reproducible qubits on a single 300 mm wafer.Key topicsMacroscopic quantum tunneling on a chip: How Clarke, Devoret, and Martinis used a current-biased Josephson junction to show that a macroscopic circuit variable obeys quantum mechanics, with microwave control revealing discrete energy levels and tunneling between states—laying the groundwork for superconducting qubits. The episode connects this early work directly to the Nobel committee's citation and to today's use of Josephson circuits as “synthetic atoms” for quantum computing.From DC devices to microwave qubits: Why early Josephson devices were treated as low-frequency, DC elements, and how failed experiments pushed Martinis and collaborators to re-engineer their setups with careful microwave filtering, impedance control, and dilution refrigerators—turning noisy circuits into clean, quantized systems suitable for qubits. This shift to microwave control and readout becomes the through-line from macroscopic tunneling experiments to modern transmon qubits and multi-qubit gates.Synthetic atoms vs natural atoms: The contrast between macroscopic “synthetic atoms” built from capacitors, inductors, and Josephson junctions and natural atomic systems used in ion-trap and neutral-atom experiments by groups such as Wineland and Monroe at NIST, where single-atom control made the quantum nature more obvious. The conversation highlights how both approaches converged on single-particle control, but with very different technological paths and community cultures.Ten-year learning curve for devices: How roughly a decade of experiments on quantum noise, energy levels, and escape rates in superconducting devices built confidence that these circuits were “clean enough” to support serious qubit experiments, just as early demonstrations such as Yasunobu Nakamura's single-Cooper-pair box showed clear two-level behavior. This foundational work set the stage for the modern era of superconducting quantum computing across academia and industry.Surface code and systems thinking: Why Martinis immersed himself in the surface code, co-authoring a widely cited tutorial-style paper “Surface codes: Towards practical large-scale quantum computation” (Austin G. Fowler, Matteo Mariantoni, John M. Martinis, Andrew N. Cleland, Phys. Rev. A 86, 032324, 2012; arXiv:1208.0928), to translate error-correction theory into something experimentalists could build. He describes this as a turning point that reframed his work at UC Santa Barbara and Google around full-system design rather than isolated device physics.Fabrication as the new frontier: Martinis argues that the physics of decent transmon-style qubits is now well understood and that the real bottleneck is industrial-grade fabrication and wiring, not inventing ever more qubit variants. His company's roadmap targets wafer-scale integration—e.g., ~100-qubit test chips scaling toward ~20,000 qubits on a 300 mm wafer—with a focus on yield, junction reproducibility, and integrated escape wiring rather than current approaches that tile many 100-qubit dies into larger systems.From lab racks of cables to true integrated circuits: The episode contrasts today's dilution-refrigerator setups—dominated by bulky wiring and discrete microwave components—with the vision of a highly integrated superconducting “IC” where most of that wiring is brought on-chip. Martinis likens the current state to pre-IC TTL logic full of hand-wired boards and sees monolithic quantum chips as the necessary analog of CMOS integration for classical computing.Venture timelines vs physics timelines: A candid discussion of the mismatch between typical three-to-five-year venture capital expectations and the multi-decade arc of foundational technologies like CMOS and, now, quantum computing. Martinis suggests that the most transformative work—such as radically improved junction fabrication—looks slow and uncompetitive in the short term but can yield step-change advantages once it matures.Physics vs systems-engineering mindsets: How Martinis's “instrumentation family tree” and exposure to both American “build first, then understand” and French “analyze first, then build” traditions shaped his approach, and how system engineering often pushes him to challenge ideas that don't scale. He frames this dual mindset as both a superpower and a source of tension when working in large organizations used to more incremental science-driven projects.Collaboration, competition, and pre-competitive science: Reflections on the early years when groups at Berkeley, Saclay, UCSB, NIST, and elsewhere shared results openly, pushing the field forward without cut-throat scooping, before activity moved into more corporate settings around 2010. Martinis emphasizes that many of the hardest scaling problems—especially in materials and fabrication—would benefit from deeper cross-organization collaboration, even as current business constraints limit what can be shared.Papers and research discussed“Energy-Level Quantization in the Zero-Voltage State of a Current-Biased Josephson Junction” – John M. Martinis, Michel H. Devoret, John Clarke, Physical Review Letters 55, 1543 (1985). First clear observation of quantized energy levels and macroscopic quantum tunneling in a Josephson circuit, forming a core part of the work recognized by the 2025 Nobel Prize in Physics. Link: https://link.aps.org/doi/10.1103/PhysRevLett.55.1543“Quantum Mechanics of a Macroscopic Variable: The Phase Difference of a Josephson Junction” – J. Clarke et al., Science 239, 992 (1988). Further development of macroscopic quantum tunneling and wave-packet dynamics in current-biased Josephson junctions, demonstrating that a circuit-scale degree of freedom behaves as a quantum variable. Link (PDF via Cleland group):

Acts 17:10-15 "Be a Berean" presented by David Cleland

For the final episode of the US HUPO sponsored "Alt Proteomics" series highlighting alternative proteomics things, Ben and Ben sit down to talk with Dr. Timothy Cleland, Smithsonian Institution.Keywords: forensics; glue; conservation science; paleoproteomics

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Acts 17:1-9 presented by David Cleland

Acts 16:16-40 presented by David Cleland

Back by popular demand, today we will be discussing SHAPE America's newly minted 2024 National Physical Education Standards.  PETE majors from SUNY Brockport, California State University - Long Beach, and York and Queen's College in New York City will be joining us.  Teacher candidates taking part in today's show are in methods classes with Dr. Seymour, with Dr. Ramsey, and Dr. Michael Ertel.Our first guest is Dr. Ertel (newly hooded) is an Assistant Professor of Physical Education Teacher Education in the Department of Kinesiology at California State University, Long Beach. His research examines the intersections of motor learning, inclusive pedagogy, and teacher education, using intervention-based and meta-analytic approaches to advance motor competence, instructional fidelity, and adaptive teaching competence in physical education. In his teaching, he emphasizes practice-based frameworks that bridge theory and application, preparing teacher candidates to design inclusive, developmentally appropriate programs for all learners. Beyond the classroom, Dr. Ertel serves the profession as a member of the SHAPE America Physical Education Council and a past New York State AHPERD Executive Council member. A former Title I PE teacher and collegiate soccer coach, he brings a deep commitment to research-informed practice, professional leadership, and fostering meaningful movement experiences for every student.We are also excited to introduce one of the foremost experts and scholars in physical education teacher education in the U.S…not to mention one of the key contributors to the new SHAPE America National Physical Education Standards–Dr. Fran Cleland. Dr. Fran Cleland is Professor Emerita from West Chester University where she served as the program coordinator for the Health and Physical Education Teacher Certification program for 28 years. Dr. Cleland previously taught in the HPE program at East Stroudsburg University, PA and the University of New Hampshire. Prior to teaching in higher education Dr. Cleland taught K-12 health and physical education in Indiana, Virginia and Oregon. Dr. Cleland's research focused on critical thinking in physical education, and she is the lead author of Developmental Physical Education for All Children – Theory into Practice (2017) and most recently co-authored Elementary School Wellness Education: An Integrated Approach to Teaching the Whole Child (2022) and the SHAPE America National Physical Education Standards book (2025). She has presented at the state, district, national and international level on topics including but not limited to, motor development, the Spectrum of Teaching Styles, critical thinking in physical education and creative dance. Dr. Cleland served as president of SHAPE PA, the National Association of Sport and Physical Education (NASPE) and SHAPE America. Most recently she served on the SHAPE America taskforce to revise the physical education standards. Dr. Cleland is retired but is working part-time as the SHAPE America Book Production and Acquisitions Manager. .

In this special anniversary episode of Stories from Supertouring, we're joined by 1995 British Touring Car Champion John Cleland to mark 30 years since his iconic title win.Cleland takes us back to one of the most competitive and dramatic seasons in BTCC history — sharing untold stories from the paddock, the rivalries that defined an era, and the moments that made 1995 a true classic of the Super Touring age.From the tension of the title fight to the engineering battles behind the scenes, this is a candid, insightful look at what it really took to win in the golden era of touring car racing.

Acts 16:6-15 present by David Cleland

Acts 15:36-16:5 presented by David Cleland

Acts 15:19-35 presented by David Cleland

Sports Daily Full Show 22 September 2025

Acts 14:21-28 present by David Cleland

Acts 15:1-21 presented by David Cleland

Acts 13:14-52 presented by David Cleland

Acts 14:1-20 presented by David Cleland

Sports Daily Full Show 4 September 2025

Acts 13:1-13

NFL Preview series carries on with the NFC East featuring the Super Bowl winning Philadelphia Eagles.Philly sports fanatic Tyler Cleland joins the BFS pod to gloat about the Eagles championship, analyze & talk smack about the rest of the NFC East, and answers a number of fun listener questions at the end.5:15 NFC East/Eagles20:45 Commanders32:20 Cowboys42:00 Giants55:15 Listener QuestionsThanks for listening and supporting the Barnhardt Fantasy Sports podcast. Make sure to subscribe/follow the podcast and stay tuned for the next episode.FORM - Wicked Ways on the tunes

Colossians 2 presented by David Cleland.

This episode, we welcome back estate planning expert Nicole Cleland to discuss important topics such as how property passes after death, the rights of spouses and blended families, challenges minors face when inheriting, and the benefits of avoiding probate. Whether you're single, married, or navigating a complex family dynamic, this episode offers valuable insights to help you protect your legacy and plan effectively for the future.   Learn more about Nicole and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Time once again for another edition of Retirement Planning Redefined with John and Nick from PFG Private Wealth. And once again, we're going to continue our conversation with Nicole Cleland on estate planning. So really happy to have her back on this chat with us. And if you've got questions, need some help when it comes to the legal side of things, reach out to them at legacyprotectionlawyers.com. That's legacyprotectionlawyers.com. And of course, if you've got some questions on the financial side, reach out to John and Nick at pfgprivatewealth.com, pfgprivatewealth.com.   Nicole, welcome back in. Thanks for being here again.   Nicole Cleland: Thanks for having me again.   Marc: Lovely to talk with you. And John, my friend, thanks for being here as we continue this chat with Nicole. We covered a lot of stuff and I want to kind of circle back to a few pieces. We were talking about property, how it passes on death. Who should inherit your assets? I think that's kind of maybe a big question for people in general.   Nicole Cleland: So this is what we call testamentary intent, meaning you can leave your assets to whomever you want. There is no restriction or requirement on who takes from your estate. However, most states, Florida included, has a law that says if you are married, you cannot disinherit your spouse. And sort of the philosophy behind that is if you had, back in the old days, husbands were the breadwinners, wife stayed homemaker. And if husband wanted to leave assets to someone else, his children, a mistress, something like that, the law would not allow you to disinherit that spouse. And that's sole control.   So the law presumes that spouses are meant to be taken care of and you cannot leave your spouse less than a certain percent. In Florida, that percent is 30%. So although you can disinherit the rotten children, you can't disinherit the spouse.   Marc: Okay. I like that.   John: So I'd also say this becomes very important when you have blended families. I'll say that.   Nicole Cleland: Absolutely.   John: Working with clients where it's second marriage, kids. This becomes a very important topic that I think most people I'll say that haven't gone through an estate plan or just haven't made that decision yet to go through it, have no idea this even exists. And also I've even talked to some pretty savvy attorneys that I've talked to and I mention it, like, "What are you talking about?" And they look it up and they're like, "I had no idea."   Nicole Cleland: Yeah, it's one of those things that a lot of people don't realize because again, circling back to that testamentary intent, you should be able to leave your assets to whomever you want, but the law's not going to say that for a spouse. And you're right on the money there, John, with the blended family situation.   And I usually try to even say it's not always that later-in-life marriage couple. So if you've got a husband and wife that get married later in life, they both have children from prior relationships, we usually find that they honor that testamentary intent, meaning, all right, husband, whenever you pass, you can leave your money to your children and then I'm going to leave my money to my children. We don't need to leave anything for each other. We're getting married later in life. We've built our wealth so we don't need to support each other.   But what ends up happening is if my husband passed away and I'm still alive, I might be older and a little bit more vulnerable. And usually I find that it's the kids of the surviving spouse that end up saying, "No, mom, you're entitled to that elective share. You're entitled to that 30%. You need to pursue it." And it's usually the children of that surviving spouse in that blended marriage that end up trying to push for things that that married couple really had no intent to do.   Marc: Is it easier or more complicated for folks on a... I guess if you've never had children and just you're single or whatever, do people feel like, "Well, I don't need any of this stuff because it's just me"? But you still have to leave your stuff somewhere, right?   Nicole Cleland: Right. No, and I think it's where whether you're single, whether you're married, like I mentioned on our last podcast, I made a comment that everyone has an estate plan, you just may not know what it is.   Marc: Right.   Nicole Cleland: So a lot of people where let's say you have a young person who's working out in Silicon Valley, they graduated from an Ivy League school, they're making a ton of money out there, and they were raised by their mom but have no relationship with their father. In that instance, if that single individual passes away, not married, no children, their money's not going to go to the mom that raised them single-handedly. It's going to go 50/50. And I see that. I see those instances where you have money going to estranged family members, family members you had no relationship with because you just did not know what the law was going to presume you wanted.   Marc: Yeah, that makes a lot of sense. And it gets really interesting because it's more complex than I think people realize, but yet it's also something simple to handle. You just need to get it done. And that's where making sure that you're checking off beneficiaries and all those things come into play as well.   John: And I'll jump in here. Just I'd say that the biggest thing I think doing estate plan, and I'll say guilty where I didn't officially do one until my daughter, my first daughter was two, it was just kind of peace of mind that it was done. Because it was always kind of lingering there like, "Hey, you got to get this done." And finally when I did it was just like, "Hey, I'm good." And then we make updates to it. But it was a relief to get it done and know that my wishes would be taken care of if something happened to me and Jenny.   Nicole Cleland: And I think that type of planning is very important for younger couples that do have children. You can name who you would want to have what I call custodial care for your child, who your children would live with if something happened to you and your spouse. But that also doesn't mean that has to be the same person that's managing the money. So you might have one person that decides whether your child goes to public or private school, whether they go to church or not, but then you can have someone else be the one to manage the checkbook, so to speak.   But the other thing that's wrecking havoc on our world a little bit is ancestry.com, believe it or not. We're having children that no one knew existed come to the forefront. So that's where planning could be even more important is you might have biological children that you did not know about.   John: So I got to ask, I know this isn't a topic we were going to discuss, but how often is that happening and do those surprise kids, let's call it, have any rights?   Nicole Cleland: Great question. So I've had it come up once, and it was in the context of what we call an intestate estate. So there are two different types of probates in the sense of who are your beneficiaries, meaning an intestate estate is a probate administration where the decedent had no will. So the law declares who your beneficiaries are, who your heirs are. A testate estate is a probate administration where you have a will. And so your will that you've created dictates the beneficiaries under your estate administration.   Most wills, at least I will say most good wills define who your children are. So for example, if I was creating a will for someone, I would say, "Okay, your children are A, B, and C. and for purposes of this document we're limiting your descendants or your children to those three kids."   Now, with an intestate estate, the one that I'm speaking of that we had happen is the family sort of was suspicious of this individual being a descendant. And after a paternity test, it was deemed true. But that didn't come to fruition until after the person had passed and the parent of this minor wanted to stake a claim in the estate. And they were successful because they were a biological child, even though there was no relationship at all, the child did not know the other family members. But they were an equal child to all the other children, even though they're technically half sibling. But it was a direct child of the decedent.   Marc: Wow. Yeah, it gets a little sticky there. So we tend to think about that with celebrities or something like that. But I guess, yeah, it can happen anywhere.   Nicole Cleland: Yeah, it really can. And it's not fun to manage because now as the attorney, I'm having to really make sure my clients understand, my executors or my personal representatives, I have to ask them, "Are you sure these are the only children of the decedent?"   Marc: I'm sure you get, "What kind of question is that?"   Nicole Cleland: Correct. Yeah, it's not a fun one, but it's something that I have to say, really make sure we've got the right heirs here.   Marc: Yeah, that certainly, it was a great question by John. I didn't even think about that, kind of kids coming out of nowhere. And maybe this is one reason, Nicole, why people want to avoid probate amongst other reasons, right? Because if you're going to a trust or something like that, you have more privacy, correct? Where probate is out in the open.   Nicole Cleland: That's correct. So trust administrations are typically private, meaning we don't file the trust anywhere. We don't have any sort of public record of the administration process. But probate is the opposite. We have to deposit your will with the court. The probate administration is all public record. So whenever you have a probate proceeding, we talked in our last session about how long it can take. I'm saying now the average is about 12 to 18 months. And a lot of that is, I think directly dependent on your fiduciary, your personal representative that you have serving in that role. Some of it is the court, but a lot of it is that person that you have named.   But a lot of people tend to shy away from probate administrations, not because it's necessarily public and not so much because of the delay, but the cost. The cost for probate proceedings here in Florida are statutory, which means there is a Florida statute dictating the schedule on what is deemed a reasonable fee for not just your personal representative but the lawyer.   And in Florida, 3% of the probate estate is deemed reasonable. So if you've got a million dollar investment account that needs to go through probate, and it could just be the one account, what would be presumed a reasonable fee under Florida law would be 3%, 3% for the lawyer and 3% for your personal representative. So just right there, you've got 6% coming from that million dollar account, $60,000 for a probate administration. So the cost can add up fairly quickly, especially the bigger and the more complex the size of the estate.   John: Yeah. And I'll add to that just kind of personal experience. You don't know what you don't know. And I'll tell you that even though I'm somewhat in the industry, not an attorney, there's a lot of questions that I'm having for helping my wife be the executor of her father's estate. And it's like, "Hey, what about this?" So we're emailing the probate attorney quite a bit of just, "Hey, what about this scenario? What about this?" And there's a lot of nuances that I think the average person just is not aware of.   Nicole Cleland: Absolutely. I think for most administrations, we always joke here in the estate planning world in the administration side is there's no easy probate. There's something new in every single probate administration that you have just because the family dynamic could be different, the type of asset that could be different. You could have what I would deem a very easy probate where the only thing we have to transfer title to is maybe the house. But let's say the house isn't selling. Let's say the mortgage is worth more than the house, or there's a special assessment on the condo or one of the beneficiaries doesn't want to consent to the sale. Something, anything can just come up at any time with a probate administration that can turn what I would deem an easy probate into a very, very complicated one.   And like John said, you don't know what you don't know, and sometimes you can't envision or foresee what's going to happen at the end of the probate proceeding. But surprises do often come along. And that's where I think sometimes experience can really matter in terms of the type of attorney that you pick because they're going to have experience dealing with this type of issue, this type of condo that's being sold or this type of family dynamic that's occurring or something like that.   John: Nicole, how about something that comes up a lot with I would say Nick and I is minors. Minors that potentially could or have inherited money that maybe they were listed on a beneficiary account and the person didn't know the rules in Florida with minors inheriting money. How does that work?   Nicole Cleland: Yeah, that is just not great planning, frankly. I think a lot of people who maybe don't have a lot of wealth or have young children, they name their minor children as a default, and it becomes really sticky very quickly. And even in the best of scenarios where let's say you've named your minor as the beneficiary on an account, and let's say we have to do a guardianship for that child because minors can't manage over a certain dollar amount, or let's say you even have a custodial account, even if all of those get teed up perfectly, at the end of the day when those minors inherit the money, they're 18 years old or 21 years old, or even 25 years old. And I don't know about you, but I don't see a lot of financially savvy or financially prudent 18-year-olds or 21-year-olds.   So it ends up being where even in best of scenarios, without proper planning for young kids, it's really hard for someone in their early twenties to inherit any type of money, not just a significant amount.   John: Yeah, I'd say one thing we come across when we're doing initial consults, we'll do reviews of beneficiaries and we'll see minors as contingents. And that's where, going back to who needs an estate plan or why, I think people really need to take a look at that with kids.   Nicole Cleland: They really do. Because that's the one where, again, even if we're able to do the guardianship for that minor or a custodial account or something, it just doesn't work well when you have a young person inheriting.   I've had a minor, no, actually take that back, they were an adult, inherit a life insurance policy, and I think they were 21, what the law presumes financially mature enough to inherit money. And this 21-year-old spent over half a million dollars in life insurance in a year.   Marc: Wow.   Nicole Cleland: And they had nothing to show for it at the end of that year, nothing. It was you almost felt guilty asking them what did you even spend that money on? Because they're just so young. And it wasn't necessarily their fault in the sense that that was not the planning that should have been put in place for that person.   Marc: Yeah, their sneaker collection was amazing.   Nicole Cleland: Yeah, I couldn't even say that. There was no collection to speak of.   Marc: Oh, geez.   Nicole Cleland: I have no idea where the money went.   Marc: Really? Oh, no. Well, that's terrible. That's the importance, right? That's the importance of, and that's a great way to wrap up this episode, Nicole, the importance of planning for the individual, for the situation, just it's paramount. Right?   So get onto the calendar, have a conversation. If you need some help, reach out to Nicole and the team at legacyprotectionlawyers.com, that's legacyprotectionlawyers.com, or call them at 727-471-5868. That's 727-471-5868 to have a conversation about your situation. And of course, as always, don't forget to subscribe to the podcast, Retirement Planning Redefined with John and Nick. You can find that on Apple or Spotify. And of course, if you need to make it easy, just go to their website and get some time with them as well, pfgprivatewealth.com. That is pfgprivateweath.com.   Nicole, what does it look like if people want to reach out to you and the firm?   Nicole Cleland: We would love for clients to reach out and ask to meet with one of our attorneys to get a little bit more of a specific recommendation as to their family and their situation. Everyone is different. There's no cookie-cutter approach to planning, and it's important that people talk to an attorney or a professional that can be a little bit more custom approach to their type of plan. So they can give us a call and we can offer a complimentary consultation to kind of go over that in more detail with them.   Marc: All right, there you go. So thanks so much for listening to the podcast. We appreciate it. Again, reach out to them at legacyprotectionlawyers.com. That's legacyprotectionlawyers.com. And thanks for tuning in to Retirement Planning Redefined with John and Nick.  

Psalm 83 by David Cleland

You've heard about it, but do you know what it is, or why people do this? Let's figure out if it's right for you (and us) with Dr. Ryan Cleland of Infinite Vitality.

Psalm by David Cleland

Acts 12

Proverbs 17

"God is Sovereign: You can't do it all" by David Cleland

Sports Daily Full Show 26 June 2025

Concrete is Ruth Cleland's second solo exhibition of new and previously unexhibited works, currently on at Sumer Gallery. Cleland is known for her photorealistic depictions of everyday subjects and scenes, with this exhibition exploring concrete flooring in locations and sites she regularly encounters. The works are more than representations of concrete, but a collection representative of equanimity, eliciting a state of quietude within the viewer. This body of work shows a subtle but significant development in Cleland's practice, whereby more emphasis has been placed on the interrelationship between her gridded paintings and photorealistic concrete floor depictions, and how they respond to one another. As in previous works, this exhibition continues Cleland's ‘sustained inquiry into image and grid—of subject, time, and value—as she traverses the hyperreal and abstract.' Sofia had a kōrero with Ruth about Concrete, as well as her practice and process more generally.

Sports Daily Full Show 25 June 2025

Sports Daily Full Show 13 June 2025

Acts 11

Sports Daily Full Show 2 June 2025