Podcasts about collectively

You’ve heard people say, “Sales is a grind.” And they’re right. Sales requires relentless effort. You’ve got to make the calls, run the process, deal with internal roadblocks, handle piles of rejection, and show up every day with a smile on your face, ready to do it all over again. But the dirty little secret is that plenty of salespeople push through the grind day after day and still don’t seem to get ahead. They put in the effort and work hard, but get nowhere. All grind, but little progress. Here’s the truth they don’t always tell you: You can grind yourself into the ground and still fail if you don’t have the right mindset and belief system underpinning that effort. To keep it real, I’m the person who shouts from the rooftops that you’ve got to “grind to shine.” I say that in my book Fanatical Prospecting. It’s printed on coffee mugs. I love that mantra because it’s about doing the things other people are unwilling to do. But raw grind isn’t always enough. Sometimes, we need to pair grinding it out with tenacity. Tenacity is a Sustainable Sales Trait In sales, tenacity is a more sustainable trait than raw grind or pure persistence because tenacity combines persistent determination with process certainty and strategy. Grind is about doing the daily, repetitive, rejection-dense work required for success, but it can quickly lead to frustration and burnout when it isn't paired with enduring faith that the hard work is going to pay off.  Tenacity, on the other hand, is grinding combined with the absolute certainty that what you expect to happen is eventually going to happen. That’s the difference between the rep who grinds hard for a quarter, feels that they are getting nowhere, and burns out because they’re not seeing results, and the sales professional who consistently runs the sales playbook, without immediate evidence that it’s working, because they have faith that the process will eventually produce their desired outcomes. Uncertainty Causes You to Constantly Change Your Approach One big problem with grinding without certainty is that when results don’t show up on your impatient timeline, you start changing everything. You make 100 calls this week using one approach. Next week, you try a different script. The week after that, you switch your targeting. Then you read an article about social selling and abandon cold calling altogether. You’re working hard, but you’re also second-guessing every move. You change your messaging before you’ve run it long enough to know if it works. You abandon techniques after a handful of attempts. You skip or change steps in your company’s sales process after a couple of deals don't go your way.  When you put in massive effort, but spread that effort across ten different approaches instead of trusting the proven process and playbook long enough to let it produce results, you end up in an exhausting, demoralizing quagmire of chaos and eventually give up.  The True Meaning of Process Certainty When I say “certainty,” I’m not talking about positive thinking or affirmations or manifestation or any of that rah-rah motivational stuff. Certainty in sales means knowing—not hoping, but knowing—that if you do the right things the right way for long enough, the outcomes are inevitable. That you get the Sales Gravy.  That’s what allows tenacious salespeople to keep grinding when others quit. They’re not grinding on blind faith. They’re grinding on proven evidence that the process works.  For example, in Fanatical Prospecting, I explain the 30 Day Rule, which states that the prospecting you do in any given 30 days tends to pay off over the next 90 days.  The 30-day rule is always in play. It is proven. It is truth. But you'll never see it work if your prospecting is sporadic rather than consistently executed every single day.  The Three Types of Certainty that Power the Tenacity Engine If you want to develop real tenacity—the kind that sustains you through tough markets, rough quarters, and slumps—you need to build certainty in three core areas. 1. Certainty in Your Value You need conviction that what you’re selling genuinely improves your customers' businesses in a meaningful way. When you have that certainty, something shifts. You stop feeling like you’re bothering people or being pushy and start feeling like you are helping them. That you belong there.  And buyers can feel this difference. They sense and respond to your confidence, enthusiasm, and passion for helping them. Which gives you even more certainty. 2. Certainty in Your Process You need confidence that your sales process and playbook actually work.  Most sellers have been provided a proven, repeatable approach to building pipeline, qualifying opportunities, running discovery, handling objections, building consensus, negotiating, and closing business.  If you don't have a process, read or listen to my books Fanatical Prospecting, The LinkedIn Edge, Sales EQ, Objections, Virtual Selling, and Inked. Collectively, these books give you a powerful playbook for success.  But regardless of whether you get your playbook from your company or me, believing that it will work for you is a choice and mindset that only you can step into.  If you are constantly second-guessing the process every time things don't work out the way you want them to, you are doomed to frustration and failure. You'll be a slave to flavor-of-the-day thinking and winging it from call to call and situation to situation. But when you trust the process, you'll be steady, consistent, and confident. And you'll relax because you know that you won't win every time, no one does, but over time, because your process is proven, win probability is in your favor.  3. Certainty in Probability This is the big one. You need certainty that the math works in your favor over time. The simple truth is that sales is a numbers game played with human emotions. Not every call will book a meeting. Not every meeting will turn into an opportunity. Not every opportunity will close. But if you control the inputs—activity level, message quality, process execution—the outputs become predictable and win probability bends in your favor.  Ultra-high performers understand this at a bone-deep level. They know their numbers and conversion rates. This gives them certainty that the statistics are working in their favor.  On the other hand, the reps who are winging it are sky high when something goes well and in the dumps when things don't—without knowing what they did in either situation to affect the outcome. And it is on this emotional roller coaster where they eventually burn out and quit.  Top performers never board this emotional roller coaster because they’re anchored to math, not mood. How to Transform Sales Grind into Certainty-Fueled Tenacity Maybe you’re thinking, “Jeb, this all sounds great, but how do I build this certainty that you speak of?” Fair question. Here are four ways:  Track Process Metrics, Not Just Outcomes If you only measure outcomes—meetings set, deals closed, revenue generated—you’re going to struggle with certainty during the lag time between the grind and results. So instead, track the inputs like calls, conversation ratios, meetings, next step advances, or proposals delivered. When you measure the right activities, you can see progress and celebrate small wins even when results aren't there yet. This builds certainty that the process is working, which sustains your effort through the gap. Practice Until You Don’t Have to Think Competence begets certainty. Competence comes from practice and repetition. Role-play your cold calls. Rehearse your discovery questions. Murder-board your presentations. Practice, practice, practice your sales story, messaging, and handling objections. Record yourself doing it and watch it back. When you’ve practiced something until it is pure muscle memory, you don’t get nervous when it matters. You don’t freeze up or get embarrassed when you fumble. You execute with relaxed confidence. Emotionally Detach from Individual Deals The fastest way to lose certainty is to attach your identity to one opportunity. Tenacious sellers want to win every deal, but they don’t need to win every deal to feel okay about themselves. They treat each opportunity like one at-bat in a long season. Emotional detachment isn’t indifference. It’s a form of professionalism. It’s caring about the outcome without being controlled by it. Install a Mental Script for Rejection When you get rejected, it hurts, and your brain immediately tries to explain why. When you are in pain, it is super easy to default to stories that weaken your mindset and belief system. You say things to yourself like, “I’m not good at this or this isn't working.” Tenacious sellers consciously replace that story with self-talk that maintains certainty. “Not now isn’t never.” “This is part of the math.” My inputs are correct, I executed my process, but this just wasn't the right time for this buyer.” This is how top salespeople think because they know that the greatest threat to tenacity isn’t the rejection, it’s the meaning you assign to the rejection. Grinding Without Certainty is Just Another Form of Suffering Sales will always be a grind. The calls don’t make themselves. The pipeline doesn’t fill itself. The deals don’t close themselves. But grinding without certainty is just another form of suffering. It’s unsustainable. Eventually, you get frustrated, burn out, and give up. Certainty doesn’t eliminate the hard work, but it does make the hard work sustainable. So if you’re grinding right now and not seeing the results you want, don’t just grind harder. Build certainty. Get clear on the value you deliver. Trust your process. Know your numbers. Track the inputs. Practice your craft.  Because tenacity isn’t about being tougher than everyone else. It’s about being certain enough to keep going when everyone else quits. And remember, when you are tired, worn down, and feel like you can’t take another objection, when all you want to do is quit and go home, always stop and make one more call. Because that one more call is the ultimate demonstration of your trust in the process. Get your tickets today to OutBound – the world’s biggest, baddest sales and leadership training conference. Go to OutBoundConference.com

Book your astrology reading:  www.jilljardineastrology.com Buy Jill's Book & Oracle Cards:  Sacred Sound Formulas to Awaken the Modern Mind: Sanskrit Mantras to Raise Your Vibration PiscesNew Moon seeds the final phase of the zodiac cycle before the Sun enters Aries and begins the astrological new year. Pisces is the twelfth sign, associated with: • spirituality • intuition and psychic awareness• compassion and empathy • dreams and imagination • mysticism and transcendence • endings and karmic release The New Moon represents a seed point, the moment when the Sun and Moon unite and a new emotional and energetic cycle begins. During this Pisces New Moon we are invited to:  surrender what has run its course -connect with divine guidance -heal emotional and karmic patterns cultivate compassion and forgiveness  envision a new spiritual direction Pisces energy dissolves boundaries between worlds — making this one of the most mystical and intuitive New Moons of the year. Collectively, humanity is being asked to release illusions, emotional baggage, and outdated narratives before stepping into a new cycle. Uranus Sextile the New Moon This New Moon forms a harmonious sextile to Uranus, the planet of awakening and breakthroughs. This aspect brings: sudden spiritual insight- quantum leaps in awareness- Liberation from limiting beliefs  -  new visions for the future It supports intuitive downloads and creative inspiration. This New Moon provides an opportunity to dissolve old timelines, let go of illusions, end karmic cycles, release emotional baggage,  surrender control Can bring heightened psychic sensitivity as Pisces opens the veil between worlds. During this New Moon people may experience: vivid dreams  intuitive messages synchronicities Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Description Stop experimenting with AI and start driving ROI. Subscribe to our Newsletter:https://theultimatepartner.com/ebook-subscribe/ Check Out UPX:https://theultimatepartner.com/experience/ In this keynote from the Ultimate Partners Winter Retreat, Nina Harding breaks down the massive shift happening in the AI landscape as customers move away from experimental pilots and demand concrete ROI and business outcomes. She emphasizes that the era of selling products and time-and-materials approaches is over, replaced by outcome-based, verticalized selling where vendors and partners share accountability. Through real-world examples in healthcare and retail, Harding outlines how partners can leverage Copilot Studio, Agent 365, and Microsoft’s incentive programs to build specific superpowers, differentiate themselves, and ultimately lead the AI mission alongside Microsoft. Key Takeaways Customers are no longer interested in AI experimentation and now expect immediate, concrete return on investment. Selling products is dead; the modern approach requires a consultative, signal-based strategy focused entirely on business outcomes. The traditional time-and-materials billing model is disappearing as clients demand shared accountability for project success. Rapid proliferation of AI agents has made security and governance top priorities for enterprise customers. Success in the Microsoft ecosystem now requires partners to highly verticalize their value propositions by industry. Defining and clearly articulating your unique “superpower” or niche is essential to stand out to the Microsoft field sales organization. https://www.youtube.com/watch?v=HJJ4Zcf4tZc&t=1920s If you're ready to lead through change, elevate your business, and achieve extraordinary outcomes through the power of partnership—this is your community. At Ultimate Partner® we want leaders like you to join us in the Ultimate Partner Experience – where transformation begins. Key Tags Nina Harding, Microsoft AI, artificial intelligence ROI, AI agents, Agent 365, Copilot Studio, outcome-based selling, verticalization, healthcare AI, retail AI, Cognizant, Davos 2026, AI governance, AI security, technology transformation, Ultimate Partner Live, enterprise AI adoption, digital transformation, system integrators, AI pilots Transcript [00:00:00] Nina Harding: More importantly, we want to serve more and more people faster, and AI is coming in and having a very practical approach in healthcare alone. [00:00:14] Vince Menzione: We just finished Ultimate Partners Winter Retreat here in beautiful Boca to a sold out [00:00:19] Vince Menzione: crowd. Come join me now for a compelling discussion on the impacts of the tectonic shifts we’re all seeing. [00:00:27] Vince Menzione: I feel incredibly fortunate, uh, to have this, this, this friend Nina who came into the studio here for the first time, actually earlier, well last year, geez, earlier this year. [00:00:38] Vince Menzione: It was last year, right after my accident I think. And, uh, we gotta spend some time together. And she was so good to, uh, make her time available and her team’s time available to come down here to be with us today. Ne I’m so thrilled to have you. I am going to turn over the stage to you. Uh, you’ve got some incredible learnings. [00:00:57] Vince Menzione: I know you’ve been on the AI tour with Microsoft. Yeah. And you’ve got some great learnings you’re gonna share about what’s happening. Absolutely. So it’s so great to have you. [00:01:05] Vince Menzione: It’s nice to see you. [00:01:06] Nina Harding: Nice to see you. [00:01:07] Nina Harding: Thank you. Well, thanks everyone. It’s great to see so many familiar faces and then some new faces as well. [00:01:15] Nina Harding: Um, because we’re in a little bit more of an intimate environment, I thought I would approach this a little bit differently. Give you some better insights into what we’re actually hearing at Microsoft with our customers, some of the things that are actually moving the needle that we’re seeing some of our partners do. [00:01:34] Nina Harding: So really to share some of the best practices out there, and hopefully you’ll leave with some more insight or tips and tricks, um, is really what I would love to do because our job. Collectively is really this transformation and to take a advantage of it out there in the market right now. [00:01:57] Nina Harding: Let’s see [00:01:57] Nina Harding: here. [00:01:59] Nina Harding: I can move slides. Well, this one isn’t moving. Any slides? [00:02:07] Nina Harding: No. Okay, great. So, um, some of you might. Uh, know that I’m a Floridian now, right? So I just live right up, up the way in Palm Beach. Um, so not too far, but I still wouldn’t miss this opportunity to be with all of you. Um, there is an energy that I think that we’re all feeling right now, and, uh, it’s, it’s palpable. [00:02:32] Nina Harding: We’re finding right now that our customers are really going from this landscape of experimenting with ai. Really to looking at the outcomes and having expectations around the momentum that they’re seeing. Right. That’s a big shift, right? We, and things are going pretty quickly, so I look at things almost quarterly now on what is that core message and what are, what is the difference in the tone from our customers of what they’re expecting? [00:03:06] Nina Harding: What we’re gonna talk a little bit about today is how all of you, our partners, are such a critical part of that journey. Actually, sometimes the most important part. You’re on the front lines with the customers. You’re the ones having those conversations. You’re the ones that are in there arm to arm with their teams, listening to what they’re experiencing, their challenges that they’re facing, and they’re really wanting now to go from this world of, Hey, we have lots of different pilots. [00:03:41] Nina Harding: Right? A lot of us know that right into, oh my gosh, it’s not about pilots anymore. They really want that ROI story. They want those outcomes and it’s looking very different for all of us. The way that we sell, the way that we go into our engagements, the way that we even price things, the way that we, meaning Microsoft partner and customer are locking arms is fundamentally very different. [00:04:15] Nina Harding: We have to go in collectively. We have to also be responsible for the outcomes and deliver on those. ROI is that headline that we’re all after. Right. It is the most important part of the puzzle right now because there isn’t a single boardroom that isn’t talking about AI and you guys are all experiencing it. [00:04:39] Nina Harding: It’s easier than ever to go in and have the conversation. The hardest part is how do we quickly get to an ROI study, so you or ROI case so that we can continue to build on that. And when you’re looking at this every. Customer is providing signals out there to help you grow that penetration into the account. [00:05:04] Nina Harding: And I’m gonna share some of the signals that I think that are really meaningful. But that’s the most important thing is we’re no longer, and I know you guys all know this, we’re no longer selling product at all anymore. We’re selling those outcomes. And I can tell you at Microsoft, we’re spending a tremendous amount of time retraining all of our sales reps. [00:05:25] Nina Harding: Really to be focused on how do you listen and do that consultative signal based sale. How do you actually go in and start selling, not selling, but I mean it is selling, but listening to the journey that they want to go through. What are the challenges that they’re facing and what’s the transformation that we’re able to kind of go and be a part of together with our partners? [00:05:54] Nina Harding: Notice it’s not about product. Product is just the tools in your tool chest to create those outcomes. So that’s gonna be really important as we go through this journey. [00:06:09] Nina Harding: Uh, so I saw the, the title of the session, uh, mentioned Davos and Davos was an interesting time. Uh, Microsoft has a very, actually, a very big presence at Davos and, uh, we had over 300 customer meetings there, uh, where we were meeting with some of the top companies around the globe. And it was very much affirmed that. [00:06:34] Nina Harding: Uh, the, the concept of AI we’re past, like curiosity stage, right? We’re way past that and we’re even past that. The art of the possible discussion, right? Uh, what the, the customers are almost at the point is, is come in and tell me, tell me what to do. Show me how to do it. It’s a very different position than, Hey, we’re presenting you with all these different possibilities. [00:07:08] Nina Harding: They’re They’re tired. They’re tired of all the possibilities. They wanna get to the brass tacks of how are you gonna change my customer service department? How are you gonna make it easier for my hr? How am I going to derive growth? What are some of the other things that you guys are experiencing out there? [00:07:23] Nina Harding: Like what are some of those other ROI drivers that people are asking, where am I gonna find the money? What for? For doing the project or out of the project? Other people? I Okay. To do the project. Okay. Resourcing. Okay. So what we’re seeing here is that, uh, the conversation is very much now focused on, okay, I need sec, I need security. [00:07:50] Nina Harding: That has been louder than ever before. So, Vince, the one thing I would say about that slide where you had those five different pillars, I’d put security on the bottom. Understanding your data, your data platform on the bottom, those are consistent across all those pillars. And then you can kind of hit at them. [00:08:10] Nina Harding: But, uh, there’s a lot of energy, there’s a lot of excitement, but it’s rooted in what are you materially going to do to change my business, and is your skin in the game to help me do it and I’ll pay you for that outcome? The concept of this time and materials approach gone. Gone. Even at Microsoft, we’re adjusting to the fact that the customers aren’t like, oh. [00:08:35] Nina Harding: Just hand it over to a system integrator and they’ll deliver on it. They’re like, oh no, we want you accountable too. You’re accountable for the outcomes as well, which is, oh gosh, okay. How do we do that in a partnery model that makes sense where we’re not tripping over each other, but we’re going in stronger together. [00:08:54] Nina Harding: We have one message together and we’re really focused on driving that. They’re also really concerned around the governance of all these agents, right? I see a lot of heads shaking on this. I mean, there’s a lot of proliferation right now. There’s a lot of excitement. I mean, I don’t know in your companies, but people are building agents faster and quicker, uh, than ever before, and some of them are really, really cool and they’re making huge point savings of times. [00:09:22] Nina Harding: Everything from. You know, some of you guys have probably heard me talk about everything from, uh, working on performance reviews to what are all of the incentives that we have for partners and making that easy to understand to, uh, to helping me understand patterns in our financials and what partners are really performing and growing. [00:09:45] Nina Harding: All of these agents are just popping up everywhere, but that creates a real governance issue and a real security issue for a lot of companies as well. So you take all of this and you hear this momentum and I think, uh, that together we’re really well poised. I think Microsoft is in a unique position together with you. [00:10:07] Nina Harding: On this frame, we have Agent 365, which helps you manage all these different agents, right? So that’s an exciting. How many of you’re familiar with agents? 365. Great. And I promise I’m not a product person. I’m not gonna do a lot of pitches, so don’t worry about that, um, at all. But, uh, we also have copilot studio and foundry, and so we have this whole, uh, set of capability, but that capability only comes to life if we’re able to connect with the customer, build the outcome, and making sure that the CEOs see all of us as their partners on that strategy and journey. [00:10:47] Nina Harding: So what does that look like? So I talked a little bit about signals, and signals, is that ability to listen to the, to the customers, what’s really, really me, uh, meaningful and frontier firms are doing this on a consistent basis all the time. Listening to the specific needs use cases, et cetera. So we at Microsoft have been trying to not only share all these different use cases that we have exposure to, but in addition. [00:11:17] Nina Harding: We turned on functionality, and I’ll talk about that in a little bit so that we can also share amongst each other as a community and understand those use cases. Uh, what’s really important is that, um, we’re moving from this world of all these like little one-off projects to a strategy and a platform that everyone wants to move to, but it’s all also getting powered by agents. [00:11:42] Nina Harding: That’s, that’s where we are today. So. [00:11:49] Nina Harding: Having a little trouble. I’m not gonna go through this too. Everyone’s familiar with this in, in here, the Frontier overview. If you’re not, let me know. Um, but basically one of the things that we find is really helpful is, is just sharing where we have seen proof behind having the conversation around the AI journey. [00:12:12] Nina Harding: Around the, the customer journey as you’re going out there. Um, there are really four different areas that we’ve talked about, and I’m not going to drain this ’cause there’s lots and you can, you can, uh, go onto the internet. You can see me talking about all these different areas. I don’t wanna spend too much time here, but these are four of the different. [00:12:33] Nina Harding: I would say categories where when you’re looking at different ways that you can make a material difference with the, the, the customer that we find the most momentum. So around enriching employee experiences, changing the way we, uh, engage with customers. Uh, changing processes as well. And then, uh, the outcomes, like really transforming the way we go about business. [00:12:59] Nina Harding: And we wanna do something about bringing it in to the flow of the work, everyday work. How many of you are finding that you’re actually using agents in your day-to-day workflow? Isn’t that cool? And then as you continue to use it, it becomes easier and easier and easier. And. I know from my team, I’m starting to look at what is the e everyday usage versus the monthly usage, right? [00:13:26] Nina Harding: It’s the every day. It’s become almost, uh, your second hand. And what’s important, uh, on this is that we’re giving, uh, listening to all these signals giving, um, the consistency, um, of the, the engagement with. With the clients, we’re able to all share the same stories and be able to scale at a much faster pace. [00:13:54] Nina Harding: So what does that look like? Here we go. Um, one of the things that we talk about at Microsoft, and the reason why I have this up here is that we’ve moved the conversation away from product into these customer outcomes, which really becomes about. Industry discussion. You have to speak their voice. You have to understand their business problems. [00:14:21] Nina Harding: You have to listen for what is materially different. So I’m actually sharing this, which you don’t normally see in a lot of presentations out to Microsoft about the structure of the organization, the takeaway. This is a sales organization in enterprise. The takeaway that I want you to have from that is look at the verticalization. [00:14:43] Nina Harding: We’ve done. It’s no longer by territory. The ball has moved, the conversation has moved entirely. So what does that say to all of you as well? Your value proposition as you’re working with our field has to be verticalized. The way you engage has to be verticalized. What you say, um, what the, the outcomes that you think differentiates yourself. [00:15:12] Nina Harding: Verticalized. So there isn’t the approach of like doing this like mask gorilla campaign across, for example, the Americas. And I’m just using this as an example on, um, the small and medium business side as well. Um, the, they’re a little bit more territory based still, but um, at least at the enterprise, everything has to be about customer value. [00:15:38] Nina Harding: Customer value. So, um, what this also suggests to me is the way we’re working and where we’ve seen a lot of success is when all of you are starting to tailor your messages and differentiate yourselves by customer success stories. Use cases where you’ve had premise, uh, penetration as a software partner, but you have to tie it back to the industry again. [00:16:05] Nina Harding: It’s just different. And so if I’m very transparent that that’s become, has gone from a nice to have to critical as the field is looking at, who are those go-to partners? It’s the go-to partners that speak retail. It’s the go-to partners that speak oil and gas and I don’t know, I, I, I see some nodding of heads. [00:16:27] Nina Harding: Some people know this, some people don’t. But I can see the shift tremendously over the last six months. So, um, hopefully that’s helpful in, in, in kind of sharing just how we’re walking the walk and talking the talk. So as I go back to industry, um, I thought what would be helpful is to take a few examples so you have a chance to see. [00:16:52] Nina Harding: In life, what are, what are we actually seeing at Microsoft? And if you guys are seeing something else, I would love to hear that too. But these, this is an example in healthcare and when we’re looking at, uh, a particular industry, we’re looking at what are some of the pain points? What are the top trends? [00:17:11] Nina Harding: What are some of the challenges folks are, are facing? And then what are the use cases that are really making traction here? This is a different way of taking that frontier vision and doing that click down by industry. And so what we’re also doing is we’re looking at who are partners that can help us in healthcare that can help answer some of these key challenges. [00:17:35] Nina Harding: Who are the ones that have the ability to have those material conversations in that trust? In healthcare, for example, there’s a ton of pressure. I mean. We all are consumers of healthcare. Hopefully we, all of us, have been lucky enough to have healthcare, um, in the, in this, uh, forum, but there’s a lot of clinician burnout, rising costs, right? [00:18:01] Nina Harding: The, the expense for, uh, medicines and so forth. But more importantly, we want to serve more and more people faster, and AI is coming in and having a very practical approach. Healthcare alone. So many of you, I talk about, um, the fact that at one point I was paralyzed, right? So I was paralyzed from T two down and, um, I go in every six months for an MRI, uh, to check, to check if everything’s still functioning. [00:18:32] Nina Harding: And the nervous system is going well. My doctor has had to manually look at that. Now he’s using AI to look at. History and the progression since 2008. That’s game changing. And on top of that, he is looking at me and having a conversation and looking in my eyes and observing me instead and using Dragon to have it feel epic to really think about how that’s changed my personal experience with the healthcare system and changed how a physician can show up. [00:19:09] Nina Harding: So there are many, many, um, many use cases around like patient access and, uh, innovation that we’re trying to do, surgeries, uh, being able to do clinical, clinical trials, but AI is everywhere and that’s what’s really important is that we’re figuring out for all of you what your software solution. Services offering, or even if you’re selling that, you have that value, value proposition down at that level. [00:19:43] Nina Harding: So let’s take a look at retail, for example. We have a short little video. Are we gonna be able to run that video? This is where we’re seeing a lot of shrinking. Margins, people wanting more, uh, intimacy with their customer. Here we go. [00:21:09] Nina Harding: Are we good? Well, that was a quite, uh, quite a nice, uh, uh, digital response to the end of the video. But what you’re seeing is people are using it in all different facets as we go into an example. I always love to do, use examples of partners that are hitting the mark ’cause we can all learn from ’em and myself included. [00:21:30] Nina Harding: We’re partners that are really successful. I chose to use Cognizant. Cognizant was actually our partner Si of the year, um, at the Americas level. And one of the things, and I won’t drain it on, um, the right hand side of this, uh, the slide, but they really are helping the customer’s move in a framework approach by industry, uh, to an AI landscape. [00:21:58] Nina Harding: Uh, they, they have secured an end-to-end solution and they’re focused on real business outcomes, and they have been growing at over 30% year over year. Huge. That’s great. Right? That’s what we all want for our businesses. And so what you’re seeing here is. They have a narrative around the frontier firms and they pull that through when they’re engaged in the clients and with our field. [00:22:27] Nina Harding: And then they’re using the incentives that we have. And don’t worry, I have a slide on some of the incentives we have, um, to actually make sure that they’re using those effectively in the pre-sales motion, but most importantly on the adoption and the change management after they’ve actually, uh, built out the solutions. [00:22:45] Nina Harding: And that’s really, really, really key here. So here’s an example of, um, of Cognizant at Coldwater Creek and Soft Surroundings. They had two different platforms and they brought it all together and then they brought Dynamics in as well. And what they have actually been able to do is improve a lot of the inventory management, the visualization, um, of all the inventory around. [00:23:14] Nina Harding: Around all of their stores and their warehouses, and they’ve been able to streamline the fulfillment and improved, uh, reduced back orders. What you’re seeing is those are all concrete examples of the outcomes that they were trying to drive for at the beginning, and those were all. Key pain points. And so they go in, cognizant will go in and understand with what are the material things that you are, that’s keeping you up at night, that is creating that drainage, uh, in your accounts or if you could transform, what does that look like? [00:23:52] Nina Harding: And so there, they spend the whole conversation together with Microsoft focused on doing that. And then we do the outcome based proposal. Very different, right? It creates for a much stronger vendor relationship, and the customer feels like they really have in the essence of the word partners, helping them to be successful. [00:24:15] Nina Harding: Right. [00:24:20] Nina Harding: Here we go. So I promised you some of the incentives, and I know you might just take a, a quick peek at some of these. These are, these are, um, some of the incentives that. Microsoft has put forward to help our partners on this journey. Uh, this is a slide that we’ve created from the America’s perspective to try and simplify it. [00:24:42] Nina Harding: Now there’s a lot behind it, right? But to try and help simplify, um, where are the incentives available? And I think this is one of the first times you’re actually saying what’s available for the sis. Versus for the software partners. And then we’re gonna hear more today about what’s also available for the channel partners as well. [00:25:03] Nina Harding: Um, it’s really thinking about what is your behavior as a partner? How are you showing up? How are, uh, you making a contribution to that customer? And then how can Microsoft best support you in that journey? So there’s all sorts of, uh, all sorts of incentives here, and it’s really, uh, designed to be flexible to what you need. [00:25:24] Nina Harding: But for the, I, I think it’s very focused on the value proposition as well that you bring to the table. So, um, I encourage you to take a look at this, make sure that you have this in your diary or your flipping of, of how are we maximizing, um, deals. And we can certainly go through a lot more of this. And we have webinars and so forth that will take you through all of that. [00:25:52] Nina Harding: Alright, so. I’ve talked a lot about this outcome-based selling, and that’s, it’s literally how Microsoft is starting to move forward on how do we go about engaging with the customers and with our partners. You’re gonna see, because our customers are asking more Microsoft involved and for us to go jointly into the opportunities. [00:26:16] Nina Harding: Not that we necessarily, we’re not building out a larger consulting force or anything like that, but. We want to make sure that the customer ask that Microsoft is engaged in working with our partners, is honored, um, and that we’re, we’re part of that, and that we’re also sharing our, our experiences and learning from all of you at the same time on who has the best, uh, approach, Beth best, best methodologies and best practices to light up our customers together. [00:26:51] Nina Harding: But the ROI doesn’t really show up just in dollars alone. We all know this, right? Um, it could be in, uh. Satisfaction it could be in care. So as you’re starting to look at this new evolution of how we’re really landing the value proposition of ai, we have to think outside of the box that it’s not just monetary and it’s not, I think you said savings or securing funds and so forth, but it’s really of how do I leapfrog into the modern world? [00:27:22] Nina Harding: How do I change that entire experience and think outside of the box? And, uh, make sure that the conversation is not just about how do we optimize certain practices, but how do we have this more executive level strategy conversation on the future of how we’re gonna engage with our clients, uh, their clients in a much more, um, I think transformative and personal [00:27:51] Nina Harding: way as we go forward. [00:27:54] Nina Harding: So we know that if the outcomes are the, what we’re looking to go drive, the next question is really how do we go do that? And that is gonna be through the agents on here. You’ll see just from from out in the market, what we see will light up the market. We think that, or I can’t even say we, IIDC says 81% of leaders are expecting agents. [00:28:24] Nina Harding: Full utilization in the next 12 to 18 months. And to be honest, I think this quote is probably even two months old. So we’re already, we’re probably down to like, you know, eight, eight to 12 months. And what I’m seeing that proliferation happening, it’s crazy. So understanding that value proposition, um, whether you’re from a software company or a services company or even some of our resellers, what’s that niche? [00:28:52] Nina Harding: What’s that industry or sub-industry? What is that? Horizontal. I go after customer service within, uh, the manufacturing vertical. Right. And then are you building out agents or do you have capability? And that’s what we’re doing internally at Microsoft as well, is to help make that really visible to the field so that you’re differentiated. [00:29:15] Nina Harding: Differentiation is gonna be really key right now because there’s so many people that say, oh, I do migration services, or I can help with data, or I can do security. But it’s the specificity around the industry and what you are truly known for within that space. So one of the things that we look to do is, is looking at all of the different areas where we see agents popping up. [00:29:44] Nina Harding: And this is a helpful slide. Sometimes I think, um, it starts to highlight, um, where we’re seeing some traction in financial services. Or in healthcare manufacturing. And then when I talk about the horizontals or the personas, you start to see some of the um, really repeatable, high return on investment type of things. [00:30:08] Nina Harding: Is this resonating with some of you guys? Yeah. I’m seeing a hit, a lot of head nods. This, if you’re on the services side, right? We’re in an intimate setting. This is where I encourage you to try and build an agent, right? Package that agent, put it on marketplace, make that available, and then make that known to our field sales organization. [00:30:27] Nina Harding: ’cause they are looking for quick wins along those lines. [00:30:31] Nina Harding: So on that, um, [00:30:36] Nina Harding: uh, one of the things that we’re along the journey for is the skilling. This is moving at such a fast pace, right? Um, so you’re looking at. Um, anthropic is really a big topic right now, right? Gemini, you’re looking at cloud, you’re, um, or Claude. [00:30:55] Nina Harding: Um, you’re looking at all of these different, uh, scenarios and one of the things at Microsoft is we really wanna be open to all of these different technologies because our customers are open. So we want to be part of taking you on that journey. And one of the things that we invest in white. [00:31:12] Nina Harding: Significantly is all of the training. Um, and I wanna encourage you guys to take advantage of it. Training is not a one-time thing. It is, it is a constant muscle that you must exercise. So as I come to my conclusion, I have a couple three key things, right? One is really understanding what your superpower is, right? [00:31:33] Nina Harding: The partners that I’m finding are really aligned well with the field are really winning. Those stories are the ones that have. Know and can articulate their superpowers. What am I known for? What are the use cases I can either build to or have agents against? And where have I done this consistently? And packaged really, really concretely, right? [00:31:55] Nina Harding: Um, this, this proliferate of like, I can do everything. Unfortunately, you get lost a little bit in the noise, right? So clear positioning, proof point’s, so critical right now, and reinforcing that credibility with the clients that have adopted. The second thing is that you’ve heard a little bit about this hopefully. [00:32:16] Nina Harding: How many of you have heard of the part partner success story? Okay, this is really, really key. We launched about maybe a month ago, and we already have over a hundred, uh, stories from partners, and the field is loving it. What it is is it brands the stories with your brand if you submit them. So what? Talk about credibility, um, with the field and with our marketers to have your name and that recognition picked up. [00:32:45] Nina Harding: It’s really, really fantastic. So I encourage you to do that. For those of you taking quick snaps, I did put a code on here, so if you wanna go straight to it, uh, you can take it. Um, and go explore with it. What’s nice about it is it’s AI based, so it will help you write these stories very, very quickly. [00:33:04] Nina Harding: There’s no reason why your sales reps can’t be writing these stories, and then yes, [00:33:11] Nina Harding: uh, yeah, you can do no meaning like from enterprise. No. Mm-hmm. Mm-hmm. You can do it on any, on any, there is a different level of fidelity of if you have the customer’s permission. Right. Um, to pu to publish it or not. And that’s some functionality we’re working on. If there’s enough traction of, of this is to help you guys. [00:33:32] Nina Harding: Secure that with Microsoft. Yeah. Um, but yeah, it can be any customer there. But I encourage you to take a look at that. And I know I’m two minutes over here, so I’m just gonna leave you with this. Um, at the end of the day, as I, as I wrap up here, I just wanna make sure that what, where we’re going and we’re going together, that it’s simple and actionable between us and it’s easy for our field to understand. [00:34:00] Nina Harding: Where you play the value proposition you play so that we’re going into deals even more effectively together. Right? So you heard industry, sub-industry, persona level or horizontal. Put that in if, um. Figuring out what your superpower is, making sure that you’re trained, that there’s evidence around the success, and capturing that in ways, uh, that are critical to not only your business, but giving us the visibility of that success. [00:34:31] Nina Harding: Like scream from the rack rafters. Use these tools to make sure that we know just how transformational you’ve been in some of the customers and where you’re uniquely winning. So, so important. So keep investing in the skilling. You can see my kind of like five power plays, right? And the last one always being that superpowers. [00:34:56] Nina Harding: So with that, um, if we do all of these things consistently, you won’t just be keeping up with ai. I think we will all be leading on that AI mission. So thank you very much. I appreciate it. [00:35:14] Vince Menzione: Don’t forget, ultimate Partner Live is coming soon, May 11th through the 13th in beautiful Bellevue, Washington. I hope to see you there.

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

Visitors sometimes just drop in on us. But a visitor to a home in Georgia took the notion of “dropping in” a bit far. It smashed through the roof, an air duct, and a thick layer of insulation before splatting into the floor, leaving a crater the size of a quarter. It missed smacking into a resident by just 14 feet. The “visitor” was a meteorite – part of a much larger space rock. The rock formed a glowing streak as it raced through the skies of the southeastern United States on June 26th. Hundreds of people saw it, and many more heard it – it produced a sonic boom, plus an explosion before it hit the ground. The bit that smashed into the house was one of more than 200 samples recovered. In all, they totaled about 12 pounds. Collectively, they were called the McDonough meteorite for the small town where they hit. Eyewitness reports, videos, weather radar, and weather satellites helped scientists reconstruct the space rock’s origin. It came from the asteroid belt – a wide band of debris between the orbits of Mars and Jupiter. It probably was a piece from a much larger body that broke apart 470 million years ago. Lab studies revealed the meteorite’s age: 4.56 billion years – about 20 million years older than Earth. That means it was similar to the rocky building blocks that came together to make Earth. So the McDonough meteorite is an ancient visitor that dropped in with a bang. Script by Damond Benningfield

Gianni Kovacevic sees the continued rise of both gold and silver as inevitable, with out-of-control money printing, ballooning government debt and deficits worldwide, and a major geopolitical risk premium ignited by war with Iran. Gianni also dives into the value being presented by lithium, phosphate, copper, and natural gas, along with the companies he's investing in to take advantage of what he sees as a generational opportunity in the commodities sector.Get Your 'Stack Silver Not Fiat' Shirt: https://commodity-culture-shop.fourthwall.com/products/stack-silver-not-fiat-t-shirtGet Gianni's Book on Audible: https://www.audible.com/pd/My-Electrician-Drives-a-Porsche-Audiobook/1626348146?srsltid=AfmBOopMs_aGvwiSEEeHSFWg19rTAzu2ImuwxvH3s1tQwOa1Zbd8ojOzFollow Gianni on X: https://x.com/GianniKovFollow Jesse Day on X: https://x.com/jessebdayCommodity Culture on Youtube: https://youtube.com/c/CommodityCulture

Welcome to Constructing Tomorrow! This new name reflects a more comprehensive focus on everything Aecon – from our projects and people to the communities we serve and the innovative and sustainable initiatives we continue to deliver. Collectively, these elements are what make us #AeconProud, and we're excited to showcase this all even further with Constructing Tomorrow.

The Full Moon in Leo is a total lunar eclipse, reaching its maximum at 11:33 am GMT on March 3. Whether or not it's visible where you are, this is not an eclipse to observe outwardly. Instead, it invites stillness, as the Sun, Moon, Earth, and Lunar Nodes align. This alignment offers a moment of resolution. It's a chance to connect the dots and bring closure to matters linked with this area of your life.Collectively, we're likely to see revelations or reckonings involving leaders and authority figures. A clear example is the ongoing release of the 'Epstein files', exposing the decay at the heart of leadership and celebrity culture. With Ketu, the South Node, involved, there is a stripping away, reduction, or removal of what no longer holds.The eclipse occurs in Pūrva Phālgunī, 'the former fruitful one', highlighting the darker side of fame, pleasure, and celebrity. These themes have been intensifying since Ketu entered Leo last year and are now reaching resolution.On a personal level, this eclipse illuminates our own relationship with authority, autonomy, and self-expression. There is also the risk of projection: as Rāhu conjoins the Sun, a kind of mob mentality can emerge, demanding punishment or scapegoats. Groupthink may seek blood rather than understanding.Yet this is still a Full Moon in Pūrva Phālgunī — a creative, pleasure-seeking lunar mansion — celebrated in India as Holi, the festival of colours. Joy, creativity, and sensuality remain available, provided we acknowledge the shadow that accompanies this eclipse.

Connect with us on Talk Cosmos, Sunday MARCH 1, 2026, at 1-2 p.m. PST for the “Virgo Total Lunar Eclipse” feature guest Lillian Bennett the co-host of Sky Notes Podcast who joins host Sue ‘Rose' Minahan with Dr. Laura Tadd. Together we'll expand on this eclipse theme I've coined as a ‘Grand Strategy Refined”. We're within a dynamic time bringing deep meaningfulness to our lives. Freshly experiencing the overarching Saturn Neptune conjunction at 0° Aries February 20th lasting 36 years. Combined with an assertive, adventurous dynamic Fire Horse Lunar New Year coinciding with the Solar Eclipse 2 weeks earlier on February 17th. Collectively and individually, eclipses resonate no matter where they occur exactly, with the eclipse point influences for a period of time. This Total Lunar Eclipse at 12°54' Virgo occurs at its maximum time on March 3 at 11:37:30 a.m. UT in Greenwich England where the Universal Time world clock begins (6:38 a.m. EST / 3:38 a.m. PST). It endures about 5 hours (timeanddate.com/eclipse/), seen at some stage in all the Americas, both poles, both Pacific and Atlantic oceans (Total in the Pacific), East part of Europe, and Asia. It brings curiosity seeking to expand and redefine how to strategize, recreating belief systems. Mercury the communicator connects with the Sun's light, urging curiosity what new information will improve action in the present moment. To be successful takes willingness to probe deeply into values supporting the honesty and integrity of who we are in all its inclusiveness. Perhaps ultimately a spiritual reboot on some incremental level. Stay connected and subscribe at TalkCosmos.com to catch new episodes weekly on YouTube, Facebook, radio, and all major podcast platforms. LILLIAN BENNETT: Co-host with Tracy Quinlan of Sky Notes Podcast. With decades of study and experience working in a Fortune 500 company, Lillian's created a unique approach to astrology that blends ancient wisdom with a modern, practical lens. Her goal is to help people carve out meaningful life paths in today's fast-paced, information-heavy world. Outside of astrology, Lillian's background in fine arts and a career in technology gives her a creative and analytical balance — two perspectives she loves bringing into every reading and conversation. Available through facebook.com/effectiveastrology and on Facebook for “Sky Notes Podcast”. LAURA TADD: A spiritually oriented psychological astrologer, Dr. Tadd works as an astrological counselor, writer, teacher, and lecturer both in-person and remotely with people worldwide. Laura teaches 6–8-week online courses on astrology and personal mythology and co-facilitates retreats. Next Goddess Retreat in Feb 2026, info at website. Creator of “Moon Journal”. Info at website: MythicSky.com SUE ROSE MINAHAN: an Evolutionary Astrologer Consultant, speaker, writer. Vibrational Astrology student, Dwarf Planet Astrology graduate, Kepler Astrologer Toastmaster. WineCountrySpeakers.org, Associate of Fine Arts Music Degree, a Certificate of Fine Arts in Jazz. Mythology enthusiast, Musician, Artist. Founder Talk Cosmos since 2018 where weekly conversations awaken heart and soul consciousness on YouTube, Facebook, radio & podcasts. #VirgoLunarEclipse #SaturnNeptune #talkcosmos #astrology2026 #FireHorse

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

Connect with us on Talk Cosmos, Sunday MARCH 1, 2026, at 1-2 p.m. PST for the “Virgo Total Lunar Eclipse” feature guest Lillian Bennett the co-host of Sky Notes Podcast who joins host Sue ‘Rose' Minahan with Dr. Laura Tadd. Together we'll expand on this eclipse theme I've coined as a ‘Grand Strategy Refined”.We're within a dynamic time bringing deep meaningfulness to our lives. Freshly experiencing the overarching Saturn Neptune conjunction at 0° Aries February 20th lasting 36 years. Combined with an assertive, adventurous dynamic Fire Horse Lunar New Year coinciding with the Solar Eclipse 2 weeks earlier on February 17th.Collectively and individually, eclipses resonate no matter where they occur exactly, with the eclipse point influences for a period of time. This Total Lunar Eclipse at 12°54' Virgo occurs at its maximum time on March 3 at 11:37:30 a.m. UT in Greenwich England where the Universal Time world clock begins (6:38 a.m. EST / 3:38 a.m. PST). It endures about 5 hours (timeanddate.com/eclipse/), seen at some stage in all the Americas, both poles, both Pacific and Atlantic oceans (Total in the Pacific), East part of Europe, and Asia.It brings curiosity seeking to expand and redefine how to strategize, recreating belief systems. Mercury the communicator connects with the Sun's light, urging curiosity what new information will improve action in the present moment. To be successful takes willingness to probe deeply into values supporting the honesty and integrity of who we are in all its inclusiveness. Perhaps ultimately a spiritual reboot on some incremental level. Stay connected and subscribe at TalkCosmos.com to catch new episodes weekly on YouTube, Facebook, radio, and all major podcast platforms.LILLIAN BENNETT: Co-host with Tracy Quinlan of Sky Notes Podcast. With decades of study and experience working in a Fortune 500 company, Lillian's created a unique approach to astrology that blends ancient wisdom with a modern, practical lens. Her goal is to help people carve out meaningful life paths in today's fast-paced, information-heavy world.Outside of astrology, Lillian's background in fine arts and a career in technology gives her a creative and analytical balance — two perspectives she loves bringing into every reading and conversation. Available through facebook.com/effectiveastrology and on Facebook for “Sky Notes Podcast”.LAURA TADD: A spiritually oriented psychological astrologer, Dr. Tadd works as an astrological counselor, writer, teacher, and lecturer both in-person and remotely with people worldwide. Laura teaches 6–8-week online courses on astrology and personal mythology and co-facilitates retreats. Next Goddess Retreat in Feb 2026, info at website. Creator of “Moon Journal”. Info at website: MythicSky.comSUE ROSE MINAHAN: an Evolutionary Astrologer Consultant, speaker, writer. Vibrational Astrology student, Dwarf Planet Astrology graduate, Kepler Astrologer Toastmaster. WineCountrySpeakers.org, Associate of Fine Arts Music Degree, a Certificate of Fine Arts in Jazz. Mythology enthusiast, Musician, Artist. Founder Talk Cosmos since 2018 where weekly conversations awaken heart and soul consciousness on YouTube, Facebook, radio & podcasts.#VirgoLunarEclipse #SaturnNeptune #talkcosmos #astrology2026 #FireHorseSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The world of science has been stuck in an existential crisis over whether we actually know the things we thought we knew. Re-running an old study today doesn't always yield the same result. Same with re-enacting old experiments. Collectively, this is known as the “replication crisis.” Economist Abel Brodeur has come up with one way to help fix this crisis: he's invented an internationally crowdsourced surveillance system, designed to keep social scientists honest. He calls it the “Replication Games.” Further Listening:Fabricated data in research about honesty. You can't make this stuff up. Or, can you? The Experiment Experiment How Much Should We Trust Economics?This episode was hosted by Mary Childs and Alexi Horowitz-Ghazi. It was produced by James Sneed and Emma Peaslee, with help from Willa Rubin. It was edited by Jess Jiang, fact-checked by Sam Yellowhorse Kesler, and engineered by Ko Takasugi-Czernowin. Alex Goldmark is Planet Money's executive producer. Find more Planet Money: Facebook / Instagram / TikTok / Our weekly Newsletter.Listen free at these links: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Help support Planet Money and hear our bonus episodes by subscribing to Planet Money+ in Apple Podcasts or at plus.npr.org/planetmoney.To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

 Anthropic recently acquired the startup Vercept to bolster its Claude models, which now feature advanced "computer use" and coding capabilities through tools like Claude Code and Opus 4.6. Meanwhile, OpenAI has launched the GPT-5.2 and 5.3 series, including the high-speed Spark model and specialized Codex versions for developers and healthcare providers. While Anthropic faces scrutiny for loosening safety protocols amidst military partnerships and government pressure, researchers are increasingly comparing these frontier models for their effectiveness in autonomous engineering and creative tasks. Collectively, the texts illustrate a shift toward agentic AI that can independently plan, execute, and debug complex workflows across various professional sectors.

Good morning from Pharma Daily: the podcast that brings you the most important developments in the pharmaceutical and biotech world. Today, we delve into a range of transformative events shaping the industry, from regulatory approvals and licensing deals to clinical trial outcomes and strategic partnerships, each carrying profound implications for drug development and patient care.Starting with the biopharma landscape in China, there's a notable shift in the valuation of licensing deals, which have seen a significant increase of 230% in upfront payments. This surge, from $52 million to $172 million between 2022 and early 2026, signals China's growing influence and competitiveness in the sector. Historically considered a low-cost option for licensing deals, China's enhanced innovation capabilities are now attracting Western companies seeking strategic collaborations. The implications are vast, offering Western firms an opportunity to tap into China's expansive market potential and leverage local expertise, underscoring the country's pivotal role in global drug development.In regulatory news, Pfizer's Braftovi (encorafenib) combination therapy has achieved full FDA approval for colorectal cancer treatment. This is a critical development, expanding therapeutic options for a particularly challenging cancer type. The approval highlights the increasing importance of targeted therapies in oncology, reflecting ongoing efforts to address unmet medical needs by enhancing the treatment arsenal available to clinicians. As cancer remains a major global health issue, such advancements are vital for improving patient outcomes.Novartis is making headlines with its substantial investment strategy to boost radiopharmaceutical production capabilities in the United States. With new manufacturing sites planned in Texas and Florida as part of a broader $23 billion investment, Novartis is positioning itself at the forefront of radiopharmaceuticals—a field offering innovative cancer treatments through targeted radiation delivery. This strategic move not only strengthens Novartis's presence in this burgeoning field but also signifies a broader industry trend towards cutting-edge technologies that promise more precise and effective treatment modalities.Shifting focus to drug pricing dynamics, Novo Nordisk has announced plans to reduce list prices for its GLP-1 medications, Ozempic and Wegovy, starting next year. While self-pay channels remain unaffected, this price reduction reflects broader industry trends towards addressing medication costs amidst mounting pressure from healthcare stakeholders. The move aims to enhance affordability for diabetes and obesity treatments, crucial given the rising prevalence of these conditions globally.In gene therapy, BioMarin has faced challenges with its hemophilia A gene therapy, Roctavian. Despite potential clinical benefits, BioMarin's efforts to divest the therapy have resulted in a $240 million financial setback. This scenario underscores the inherent complexities and financial risks associated with developing advanced therapies like gene therapies. Meanwhile, Pfizer has shown continued interest in gene editing technologies by securing global rights to Beam Therapeutics' liver-targeted gene editing candidate. This decision marks Pfizer's strategic pivot towards promising frontiers in therapeutic innovation.Emerging biotech BreezeBio has rebranded and secured $60 million in funding to advance its research in genetic medicine focused on restoring immune tolerance in type 1 diabetes. This strategic pivot towards addressing autoimmune diseases using innovative genetic approaches highlights ongoing efforts within the biotech sector to tackle complex health challenges through cutting-edge science.Collectively, these developments illustrate dynamic trends within the pharmaceutical and biotech sectors: a shift towards more equitable global partneSupport the show

What happens when three multimillion-dollar entrepreneurs with over $40M combined earned come together to teach you the fastest path to your first million?In this explosive Inside the Vault episode, Ash Cash sits down with Darius Benders, Smitty the Goat, and Dion Coop — three industry leaders who have each created millionaires, mastered AI, built digital empires, and generated life-changing results for thousands of students.They break down:

March is a divisive, electrically charged month, with all visible planets aligned on one side of the Lunar Nodes. Mars and a retrograde Mercury conjunct the North Node in Aquarius stir unrest, misinformation, and nervous energy, while the ongoing Saturn–Neptune conjunction in Pisces continues to dissolve idealism we can no longer rely on. The compensating factor is Venus exalted in Pisces, offering moments of grace, compassion, and connection amid the frenetic energy. Discernment is more possible, as Jupiter stations direct, keeping a close eye on proceedings.Venus in Pisces (March 1–25)Venus moves through its sign of exaltation, acting as the month's primary stabiliser. While it must pass through the Saturn–Neptune conjunction, it offers emotional softness, creative refuge, and spiritual connection. This supports compassion and empathy, but also warns against idealisation and escapism. Venus here can lift us above the chaos, but also asks us to stay grounded in reality.Full Moon in Leo — Total Lunar Eclipse (March 3)This total lunar eclipse marks a culmination and reckoning, particularly around leadership, authority, fame, and power dynamics. With Ketu involved, there is a stripping away — exposure, reduction, or removal of what no longer aligns with the groundswell movement in Aquarius. Personally, this eclipse asks for reflection on autonomy, self-expression, and projection. Collectively, it can fuel groupthink and scapegoating, even as it brings necessary revelations. Stillness, rather than reaction, is the wiser response.Jupiter Stations Direct in Gemini (March 11)Jupiter's direct station begins a slow restoration of perspective. Though uncomfortable in Gemini, Jupiter here encourages reassessment of information, narratives, and assumptions. This is not instant clarity, but a shift toward wiser discernment. It's a moment to pause, review what you know, and accept that decisions may still need to be provisional as the bigger picture emerges.Mars and Mercury Conjunct the North Node (March 13–15)This is one of the most volatile signatures of the month. Mars conjoined Rahu exaggerates drive, anger, and nervous tension before depletion sets in. Energy spikes are followed by burnout; action without awareness leads to disruption. This transit correlates with unrest, accidents, blackouts, tech issues, and erratic behaviour. The demand is for new strategies, not brute force. Persistence without adaptability may backfire.Sun in Pisces (March 14 – April 12)The Sun joins Saturn and Neptune, spotlighting leadership crises, power struggles, and confusion about direction. This exposes weaknesses, dissolving outdated structures. Though heavy, it offers the potential for humility, reflection, and recalibration — especially if ego is set aside. Equinox (March 20)The Equinox marks a threshold moment — a balance point between light and dark. With the New Moon and Lunar New Year occurring the day before, this period calls for slowness, attentiveness, and conscious transition. Rather than pushing forward, this is a moment to sense where the year is truly heading.New Moon in Pisces — Lunar New Year (March 19)This New Moon begins the Vedic year Parābhava, associated with decline, defeat, and the fall of entrenched power. Occurring in Uttara Bhādrapadā, it carries emotional gravity, moral seriousness, and the need for retreat. This is a deep reset — slow, deliberate, and foundational. The changes seeded now unfold over the coming year, demanding patience and trust in a longer arc of change.Mercury Stations Direct (March 21)Mercury's station brings the sense that movement is possible again, but with an important caveat: it remains tightly conjunct Rahu. While ideas and plans begin to take shape, confusion and distortion persist. This is a preparatory phase, not a moment for final decisions. Keep options open and allow clarity to mature into April.

Whether we're working at a desk in an office, running a marathon or even asleep in bed, our bodies are host to thousands of chemical processes that are continually converting the food we eat into energy and repairing our bones, muscles and organs. Collectively these processes are known as the metabolism. But how are they affected by our genes, lifestyles and diet, and what can we do to make sure everything stays running smoothly? In this episode, we're joined by Javier Gonzalez, a professor of nutrition and metabolism based at the University of Bath. He breaks down the links between our metabolisms and body types, tells us why our metabolisms aren't necessarily fixed for life, and explains why it's almost impossible to out exercise a poor diet if you're looking to drop a few kilos. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Documents detail the 2026 public release of millions of pages of Jeffrey Epstein's investigative files, exposing his extensive connections to global power players. High-profile figures such as Donald Trump, Elon Musk, Bill Gates, and Prince Andrew are mentioned within these records, which include sensitive emails, legal memos, and disturbing video footage. The disclosure has triggered a wave of international resignations and fresh criminal inquiries across various nations, including Slovakia, Norway, and the United Kingdom. However, the Department of Justice has faced intense criticism from survivors and lawmakers for a "ham-fisted" redaction process that accidentally revealed victim identities while concealing potential perpetrators. Furthermore, the sources highlight a significant political struggle in the United States regarding the transparency of these files and the potential for government cover-ups. Collectively, these materials provide a comprehensive look at the systemic failures and influential networks that allowed Epstein's illicit activities to persist for decades.

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

In this episode of The IT Experts Podcast, we ask a powerful question. Are you ready to stop being the bottleneck in your MSP and step into true Owner Not Needed leadership?    So many MSP owners tell us the same story. They are still the person everything flows through. Every decision lands on their desk. Every problem escalates to them. Every opportunity waits for their approval. They are working eighty or ninety hours a week while the rest of the team finishes at five. And deep down, they are wondering whether the business is working for them, or whether they are working for the business.    At The MSP Growth Hub we use the phrase Owner Not Needed. It is not about disappearing. It is about building a business that can grow, perform and create value without being dependent on you for every move. One day you will exit your MSP. Whether that is five years away or fifteen, the value of your business will be shaped by how needed you are. The less dependent it is on you, the stronger the valuation and the more freedom you create along the way.    One of the biggest fears around Owner Not Needed is loss of control. Owners worry that if they delegate properly, quality will slip, standards will drop and clients will suffer. The truth is that poor delegation creates risk. Structured delegation reduces it. When you build clarity around roles, responsibilities and expectations, you do not lose control. You create scale.    Another common challenge is decision dependency. Your team comes to you with ten-pound tasks. Small decisions. Quick clarifications. Simple approvals. Individually they feel harmless. Collectively they make you the bottleneck. A practical shift is the one three one rule. When someone brings you a problem, ask for one decision, three options and their recommendation. This develops thinking, confidence and ownership. It moves you closer to Owner Not Needed behaviour and further away from reactive firefighting.    There is also the emotional side. What happens if the business runs smoothly without you? What happens if the team no longer needs your input every hour? Some owners experience a subtle fear of becoming irrelevant. The shift from technical doer to strategic leader is not easy. What got you here will not get you there. Owner Not Needed requires you to redefine your value. You move from fixing tickets to setting direction. From solving immediate problems to shaping long term outcomes.     A practical starting point is to define your thousand pound an hour tasks. These are strategy, leadership, growth planning, financial oversight and culture. If you are spending your week buried in technical work or low value approvals, you are operating far below your true impact level. Owner Not Needed is about elevating your contribution. Delegate the ten-pound tasks. Develop your leadership team to handle the hundred-pound tasks. Protect your time for the thousand-pound decisions that drive growth.     Building leaders rather than helpers is another essential shift. Helpers wait for instruction. Leaders take ownership. They understand their numbers. They report performance. They challenge ideas. They contribute to innovation. This requires structure. Clear KPIs. Departmental plans. Individual accountability. Regular one to ones. Without structure, people drift. With structure, they grow. Owner Not Needed thrives in a culture of clarity.     Numbers also play a critical role. Many MSP owners cannot confidently say whether they are truly making money. They look at the bank balance and hope. Owner Not Needed demands financial visibility. Know your margins. Know your EBITDA. Share the right metrics with your team. When everyone understands performance, decisions improve and dependency reduces.     Staying strategically involved is different from daily firefighting. A weekly cadence focused on progress, priorities and performance replaces reactive noise. Instead of walking around asking how things are going, you review structured updates. Instead of solving every issue, you coach leaders to solve them. This is how Owner Not Needed becomes a lived reality rather than a slogan.    The benefits are powerful. Clear head space to think. A capable leadership team making aligned decisions. Consistent delivery without owner interruption. More time with family and friends. Greater flexibility and control over how you spend your time. And when the day comes to sell, a stronger multiplier because the business is not reliant on you.    Owner Not Needed is not about stepping away and hoping for the best. It is about intentionally building a structure that allows the business to thrive without constant owner intervention. When you lift yourself out of the bottleneck position, you unlock growth, value and freedom.     If this episode has struck a chord, take a moment to reflect. Where are you still the decision maker for something your team could own? What would change if you truly embraced Owner Not Needed thinking?   Make sure to check out our Ultimate MSP Growth Guide, a free guide that walks you through a proven process to take your MSP from stuck to scalable, without working even more hours. It's 44 pages rammed with advice, insights and inspiration to help you decide what support is available to you now if you want to grow and scale your business. Click HERE to get your copy.    Connect on LinkedIn HERE with Ian and also with Stuart by clicking this LINK    And when you're ready to take the next step in growing your MSP, come and take the Scale with Confidence MSP Mastery Quiz. In just three minutes, you'll get a 360-degree scan of your MSP and identify the one or two tactics that could help you find more time, engage & align your people and generate more leads.  OR   To join our amazing Facebook Group of over 400 MSPs where we are helping you Scale Up with Confidence, then click HERE  Until next time, look after yourself and I'll catch up with you soon!   

Released between 2023 and 2024, The Book of Clarence, The American Society of Magical Negroes, and They Cloned Tyrone reflect a new wave of Black genre satire aimed squarely at millennial and Gen Z audiences fluent in trope critique and systemic analysis. Jeymes Samuel's The Book of Clarence, starring LaKeith Stanfield, reimagines biblical epic through a hustler's lens, blending hip-hop aesthetics with religious spectacle, though it struggled at the box office despite its ambition. Kobi Libii's Magical Negroes, led by Justice Smith, emerged from Sundance development and skewered corporate assimilation culture, generating more online debate than ticket sales. Meanwhile, Juel Taylor's They Cloned Tyrone, starring John Boyega, Teyonah Parris, and Jamie Foxx, found success on Netflix, merging Blaxploitation homage with paranoid sci-fi. Collectively, these films signal a cultural pivot: Black cinema interrogating myth, stereotype, and systemic control from within the genre machine itself.Disclaimer: The following may contain offensive language, adult humor, and/or content that some viewers may find offensive – The views and opinions expressed by any one speaker does not explicitly or necessarily reflect or represent those of Mark Radulich or W2M Network.Mark Radulich and his wacky podcast on all the things:https://linktr.ee/markkind76alsohttps://www.teepublic.com/user/radulich-in-broadcasting-networkFB Messenger: Mark Radulich LCSWTiktok: @markradulichtwitter: @MarkRadulichInstagram: markkind76RIBN Album Playlist: https://suno.com/playlist/91d704c9-d1ea-45a0-9ffe-5069497bad59 

In this episode, I encourage clarity, as our news is flooded with information about released files. I address concerns about the normalization of abuse through language, emphasizing the importance of correct terminology to protect victims and prevent further harm. I also discuss the role our biases play and offer tools for awareness and advocacy.Chapters00:00 Language & The Blurring of Lines in Abuse02:50 Desensitization & Normalization 04:18 Understanding Consent and Age of Consent (Legal Perspective)11:21 The Role of Bias in Language15:20 Call to Clarity and ResponsibilityWords matter. The language we hear seeps into our unconscious and has the ability to make what is horrific palatable. It has the ability to take something as horrible as child sexual abuse and human trafficking and gradually start to make it seem almost normal.Listen carefully and you will hear this shift in the public discourse around the release of millions of documents about many of our world's wealthiest and most powerful people abusing children and adults. You will hear a blurring of the lines - of what it means to be a child and what it means to be abused, assaulted, and trafficked. You will also hear a clouding of the distinction of who is responsible when abuse occurs.I'm concerned that the coverage — the amount and the language used (even by the well-intended) — is normalizing what we can't normalize. This blurring of lines only emboldens perpetrators who are out there right now. It puts more children and adults at risk. It prevents more victims from reporting abuse and it further harms anyone who has been abused.This episode is my attempt to counter that normalization, encourage clarity, and provide tools to help you recognize the types of words and phrases that blur important lines.EliteWe obviously live in a society that idealizes those with money, power, and celebrity. We project our innate gifts and greatness onto a few. We turn over our inner authority. We even project our inner wisdom onto bedazzling marketers posing as wellness and spiritual gurus.Those with the most depraved behaviors in our culture have our fascination, while humble, service-driven leaders are largely ignored. Should we be surprised that a group of sociopathic “elites” are leading many of our institutions?Our collective idol worship has helped elevate, support, and protect those who've harmed not only their victims, but all of us who rely on their institutions.Will these recent discoveries help us change course? How our society handles this open abscess will either lead to greater clarity and healing - or it will manage to infect us further.DesensitizationInevitably, this story, with all of its far-reaching implications, will be in the news for a very long time. The more we hear something, the less shocking it becomes.The amount of media content on this topic (even if in the direction of needed justice) is already leading to a collective desensitization. We are losing sight of the severe harm caused to the victims and survivors. (I include “victims,” because not everyone survived.)NormalizationA thoughtful popular podcaster who identifies as someone who wants justice for the survivors and accountability for the perpetrators said: “He may have had a sexual relationship with an underaged woman.” This podcaster is just one of many using this type of language. Even Steven Inskeep, a seasoned journalist with NPR, described the victims in the sex-trafficking case as “underage women.” After a number of listeners spoke out, NPR did an autopsy of sorts to understand how (in the line of editors and checks), this ended up being read on air. NPR made a public apology, explained how this ended up being read on air and what they were doing to prevent it from happening again.Many journalists recognize a need to understand and use appropriate language. But, most in independent media, who are actually investigating and discussing the files, aren't trained journalists and many are unintentionally contributing to the normalization of abuse.To say, “He may have had a sexual relationship with an underaged woman” blurs more than one lineFirst, adults and children do not have sexual relationships. Adults sexually abuse children. It is increasingly important to have clarity on this singular point and to have words that reflect this clarity.Saying “he had a sexual relationship with…,” implies that the child was able to consent.● Children are unable to consent as indicated by the law.○ Consent = voluntarily, actively, and knowingly agree to or grant permission for a specific act, proposed by another. There is more to the legal definition, which I'll get to for adults, but here, that doesn't matter, because, again, children are unable to consent.○ There is a significant power imbalance between children and adults○ When a child is abused, they are being harmed in that moment and will have enduring impacts from the abuse (emotional, psychological and physical).Along these lines “child prostitute,” and “child porn”, suggest consent. Saying instead that a perpetrator sexually abused, exploited and trafficked a child and saying sexual abuse materials recognizes that children are unable to consent.Second, “underage woman” is an oxymoronI can only imagine this term is being used to describe a physically mature teen. It's as if an adult is saying, “She looks like a woman to me.” It doesn't matter how physically mature a child looks, they are still a child. A child can not consent regardless of their physical appearance.But what about the phrase, “underage girl”?An “underage” girl is a girlThere is no reason to add the word “underage,” here. Children are children. If underage is being added, it is blurring that fact. Child, girl, boy, or minor are the terms to use.If we hear “underage woman,” or “underage girl,” over and over again, before we know it, we may be saying it without even thinking.What could the podcaster have said instead?“He may have sexually abused (or sexually assaulted) a child,”Age of ConsentIf children can't consent, you might be wondering about situations, such as a sexual relationship between a 17-year-old girl and an 18 year old teenage boy.Age of Consent = the age at which anyone can consent to anyone older.Depending on the state (here in the United States), the legal age of consent is anywhere from 16-18. But, even for states in which the age of consent is 16 or 17, there are laws that specify how much older the “older” person can be to whom the 16 or 17-year-old is consenting.The information coming out of the files is about perpetrators who were clearly well beyond 18 and early adulthood. In fact, they were old enough to have achieved prominence in their respective fields.What about the women who were of “the age of consent”? Here's where I'll share with you the complete legal definition of consent. (Since children are unable to consent, I didn't share the qualifiers yet).Consent means to voluntarily, willfully, and knowingly agree to, approve, or yield to a proposition or action proposed by another. Consent is given by a person with legal capacity without coercion, fraud, or duress. It requires active permission rather than passive submission or absence of resistance.So when Megan Kelly, an attorney/media personality, describes many of the victims as “barely legal” (as opposed to teenagers who were unable to consent to much older adults or young women who were coerced), the law would say, this is not legal and is abuse - a crime.From Normalizing to CelebrationAnother podcaster/journalist/academic who is seemingly on the side of the victims and survivors completed what seemed to be an appropriate and serious podcast by inviting his audience to share in the comments if they found anything “spicey” in the files. He smiled as he said this.Spicey = exciting or entertaining, especially through being sexually suggestive or involving conflict.“Spicey,” goes well beyond normalization to tantalizing. I don't think this is something he intended to communicate and I don't think he is unusual in this regard. You could say his listeners got a glimpse in the window - of feelings as he read the files.Our Words Are a Window Into Our Biases…and there are some windows, we may not want people looking in. We all have biases. It is simply part of human nature, part of the associations our neuronal connections have made. Our biases are influenced by our families, childhood experiences, our culture and what media content we consume. Our biases in this case, are also influenced by whether we have children or not and their ages and gender. I had to wonder, for example, if an adult who has a daughter would be as likely to say, “underage woman or underage girl,” than an adult who doesn't.Those who deny they have biases are more susceptible to their problematic impacts. We can all be more aware of how our own biases show up. The language we use is just one of the ways. Collectively, we can ask ourself, how do we consciously or unconsciously think about● children? Are they separate beings with their own potential and their own lives who are in their most critical developmental stage or are they less than adults and not worthy of the same respect and care? (This can also be a window into how worthy we were made to feel as children)● young women? Do we think of them differently than young men? Are we more okay with blurring the line between girls and women than between boys and men? How often would someone say “underage man,” or “underage boy” when it comes to sexual assault?● consent? Do we say she was “involved with” or use words like “prostitute” or “escort” when all evidence points to the person being trafficked?● abuse? Do we use language to describe the victim , such as “she was in a relationship with,” or do we use language to describe the actions of the abuser, he “assaulted”, “raped,” “coerced,” “exploited,” or “trafficked” her or him?● human trafficking? Do we even think about it? Do we even realize that, after drug trafficking, human trafficking is the second-largest criminal enterprise in the world? But for my medical license requiring me to stay informed about trafficking and how to recognize it, I may not be aware.A Call to Clarity & Responsibility While language can further diminish our humanity and recognition of human suffering, it also has the ability to elevate compassion and bring clarity to what matters most in a given situation, in this case the sanctity of childhood, the suffering of others and finding ways to prevent it.Though I rarely comment much on social media sites, I have felt a need, in this case, to do my small part to help bring clarity. When I notice language that normalizes abuse, I kindly point it out and offer an alternative, hoping maybe the person will even pay it forward.We all have the opportunity to notice when people unintentionally use language that blurs the line between children and adults, or suggests that victims are responsible. We don't have to let our silence suggest agreement. We don't have to go along or let it stand. We can all do our part to counter the eroding psychological, emotional and moral guardrails that prevent abuse from happening.We can also thank those who haven't lost sight of what is at stake. I noticed one young podcaster/attorney used words that convey the gravity and horrific nature of what he had been reading in the files. He appeared depleted and even sick, because he was. He hadn't lost sight of what the files are about - the systematic abuse of children and women by the very people our society chose to elevate to power. Nor had he lost sight of his responsibility to the survivors, to his listeners, to our humanity and to the truth.Wishing all of us the ability to maintain clarity in these challenging times.CourtneyAs always, I welcome your insights and observations. There is much more that can be said about this topic. To learn more about my discovery calls, non-patient consultations, treatment or to inquire about mentoring, please visit my website at:CourtneySnyderMD.comMedical Disclaimer:This newsletter is for educational purposes and not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment for either yourself or others, including but not limited to patients that you are treating (if you are a practitioner). Consult your physician for any medical issues that you may be having. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit courtneysnydermd.substack.com/subscribe

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Dearest Listeners,This episode is a bit lengthy, but well worth your time, if I must say so myself.  I just realized that I'm going to begin calling my approach to astrology "Soul Speak" astrology.  As with each episode, I review them before they reach your ears.  Yes, there have been a few times when I've had to redo a recording.In this episode, I can sense an urgency which I am entitling "The Aquarian Calling".  While listening to what I'm sharing with you, I hear my "Inner Wise" self asking me what am I willing to change in my life?  In all honesty and with transparency,  I'm starting with doing greater promotion of the content I am producing each month. Because this Solar Eclipse is sitting at the top of my chart, on my Midheaven, I'm in essence receiving a message that it's time to step up, and answer my "Aquarian Calling and Go Far".I'm encouraging you to listen,  turn and embrace your "Genius Zone" and set your intention on something that is uniquely yours.   Why is this important?  If each of us fully, truthfully and courageously embraces something uniquely of self, this is where things around us will begin to change.  Collectively and personally this new beginning starts with fully believing in the vision of our worthiness.  Don't be fooled by the ignorant depictions, images, name-calling and all the other mean spirited nonsense.  It's of utmost importance to understand who is in a prison of fear and bondage.  Freedom is a deep self awareness of yourself.  Keep knowing no can give you freedom, it is yours by divine right.  Remember the late great Nelson Mandela was kept in a prison for 27 years, but all that time he was free inside of himself.  Finally, the outer reality matched with what he always understood, he was free. This is the Aquarian superpower, the ability to own and bring truth, freedom and revolution into reality.  Aquarius is also the sign of standing with other people to initiate change by holding a collective vision that wants everyone to have their life valued, respected, honored and celebrated.  Be a rebel in that "Genius Zone" area of your life, and you will be enough, and you will "Go Far". This Solar Eclipse offers the potential to start a whole new chapter in your life.  We each have a unique story.  You are the only person who knows what your story is all about. Let's have an Astrology Conversation. I look forward to seeing you. Now is the time.https://www.soulsoundinsights.com/light-reading.htmlhttps://www.soulsoundinsights.com/music-musings-meditation.htmlI am proud to announce my new offering as a Certified Creative Depth Coach. As a Creative Depth Coach, I provide guidance, support and soul insights on how to discover, explore and navigate your life by recognizing your magnificent "Creative Genius". Some of my modalities and Soul tools are "Art as Process" EFT Tapping, Sound and Music for Inner Journeying , using the wisdom of Astrology, Tarot, Oracle and Numerology. l Enjoy Full Moon Lunar Eclipse in Taurus Drumming Video:https://vimeo.com/769123538/b344b2b541"Calling the Wild" or " QuickSilver and Astro Magic" Original Music by MaeRuth McCants

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

We are inside the field of the upcoming Solar Eclipse and the Saturn-Neptune conjunction, a rare pivotal week.On February 17, 2026, the Solar Eclipse at 28° Aquarius activates the North Node (the dragon's head), symbolizing appetite, growth, and evolutionary pull. In myth, the nodes were imagined as a dragon: the head hungry and grasping, the tail releasing and purging. When the eclipse aligns with the North Node, desire intensifies. Restlessness increases. The future presses forward.In Aquarius, that hunger becomes collective.We grow dissatisfied with outdated systems.We feel the strain of identities that no longer fit.We sense that the status quo cannot sustain what is coming.This eclipse also squares Uranus in Taurus — the Maverick-Awakener grounded in the material world. Vision must root. Innovation must sustain life. Revolution must be embodied.This New Moon Solar Eclipse is a preview of the larger Leo–Aquarius nodal shift later this year. The story of belonging, leadership, community, and collective responsibility is only beginning.And then we widen the lens.Saturn and Neptune are moving toward their conjunction on February 20th at 0° Aries — the very first degree of the zodiac. The last time these two met at this degree was nearly 6,000 years ago, during the dawn of early written language and formal calendar systems. Humanity was naming reality. Establishing shared agreements about time, meaning, and order.We are standing at a similar threshold.Saturn (structure, law, accountability) meets Neptune (vision, dissolution, transcendence). Together, they reset the boundary between what is real and what is imagined.We are renegotiating reality.Collectively, this may show up as institutions dissolving or restructuring, illusions surfacing, and new definitions of identity and authority emerging.Personally, this week may bring:Dissatisfaction without a clear replacementA call to build something meaningfulA quiet recognition that an old agreement has expiredA hunger for the future that must be guided with maturityThis is not a week for impulsive action.It is a week for orientation.Nearly 6,000 years ago, humans were deciding how to name the world.What are we naming now?Something is being written again.And you are not outside that story.Reflection Questions:Where in my life am I being asked to renegotiate what is “real” — based on lived truth rather than habit or fear? (Notice where old assumptions no longer fit, even if nothing external has fully changed yet.)What am I hungry for — and is that hunger aligned with integrity or urgency? (The North Node's appetite needs wise stewardship.)If I were naming my world anew from maturity rather than survival, what would I consciously call forward? (Think language, identity, agreements, roles.)Podcast Poem: Let Them Not Say by Jane HirshfieldSupport the showGo to Sheila's website for information for transformational resources: https://www.ontheedgesofchange.com/home-page This episode was co-created with generative AI, engaged as a soul-aligned ally in service of transformation. At the edge where technology meets myth, I choose insight over noise, and alchemy over automation. Thank you for dreaming the future with me.

✨ Special Expanded Podcast Episode! ✨ This week is one of the biggest energetic turning points of our lifetime. Between the Ring of Fire Solar Eclipse, the start of the Year of the Fire Horse, a 1 numerology year, and the rare Saturn–Neptune conjunction at 0° Aries, we've reached a true reset point. There is a clear before-and-after moment happening now, and life will not feel the same going forward.  The Solar Eclipse in Aquarius opens a brand-new eclipse cycle that will shape the next two years. Eclipses bring fated new beginnings, sudden shifts, and forward momentum. This eclipse cracks things open and moves pieces into place behind the scenes, often in unexpected ways, guiding us exactly where we are meant to be. Nothing happening now is random.  On the same day as the eclipse, we begin the Year of the Fire Horse, one of the most powerful and fast-moving energies in the Chinese zodiac. Fire Horse years bring bold action, sharp turns, and irreversible change. This is not a slow or comfortable year, it is about courage, confidence, and claiming what you want. The shedding and releasing of last year was preparation; this year is about embodiment and movement. If there was ever a time to dream big and go for it, this is it. Adding to this intensity is the rare conjunction of Saturn and Neptune at 0° Aries, the very first degree of the zodiac. This marks the birth of a new era. Saturn represents structure and reality, while Neptune dissolves illusion. Together, they clear what was built on shaky foundations and help us rebuild something real and aligned. Collectively, outdated systems begin to crack. Individually, we may feel an inner reset and a pull toward purpose and authenticity. With so much fire, grounding is essential. Preparing for the Lunar New Year by cleaning your home, especially your front door and kitchen, helps clear old energy and invite in abundance and good fortune. This is not a time for fear or hesitation. We are no longer in “I hope this works out” energy; we are in “this is happening” energy. Our role now is to be brave, claim what we want, and trust that what's unfolding is exactly what's meant to happen. Schedule your Spirit Guide Channeling Session at https://www.abundology.com/schedule

The newest tranche of documents from the U.S. Department of Justice's Epstein Files shows that Jeffrey Epstein's reach into academia was wider than previously understood, revealing communications and interactions between the disgraced financier and faculty, administrators, and fundraisers at major universities. Emails and records include discussions about potential donations, academic projects, and introductions to other scholars, with figures at institutions such as Harvard, Yale, and Bard College appearing in the files. At Harvard, for example, correspondence shows some faculty and leaders engaging with Epstein even after his 2008 conviction, while at Yale, two professors were named — one of whom has been removed from teaching while the university reviews his contact with Epstein. The documents illustrate how Epstein positioned himself as a potential benefactor to researchers and institutions, often offering a quicker route to funding than federal grants and prompting criticism about ethical compromises made in pursuit of private money.At Bard College, longtime president Leon Botstein's name appears extensively in the files, with emails showing repeated contact with Epstein over several years regarding fundraising and events; these revelations have sparked student dismay and scrutiny of how the college handled the relationship. Other universities and scholars mentioned in the broader Epstein Files — including faculty ties at Ohio State University indirectly through connections like donors or trustees — reflect the broader trend of elite academic figures maintaining some form of correspondence with Epstein, sometimes long after his criminal conduct was public. Collectively, the disclosures raise questions about the influence of wealthy private donors on higher education and the oversight universities exercised when engaging with Epstein and his network.to contact  me:bobbycapucci@protonmail.comsource:Colleges face scrutiny over Epstein connectionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

The newest tranche of documents from the U.S. Department of Justice's Epstein Files shows that Jeffrey Epstein's reach into academia was wider than previously understood, revealing communications and interactions between the disgraced financier and faculty, administrators, and fundraisers at major universities. Emails and records include discussions about potential donations, academic projects, and introductions to other scholars, with figures at institutions such as Harvard, Yale, and Bard College appearing in the files. At Harvard, for example, correspondence shows some faculty and leaders engaging with Epstein even after his 2008 conviction, while at Yale, two professors were named — one of whom has been removed from teaching while the university reviews his contact with Epstein. The documents illustrate how Epstein positioned himself as a potential benefactor to researchers and institutions, often offering a quicker route to funding than federal grants and prompting criticism about ethical compromises made in pursuit of private money.At Bard College, longtime president Leon Botstein's name appears extensively in the files, with emails showing repeated contact with Epstein over several years regarding fundraising and events; these revelations have sparked student dismay and scrutiny of how the college handled the relationship. Other universities and scholars mentioned in the broader Epstein Files — including faculty ties at Ohio State University indirectly through connections like donors or trustees — reflect the broader trend of elite academic figures maintaining some form of correspondence with Epstein, sometimes long after his criminal conduct was public. Collectively, the disclosures raise questions about the influence of wealthy private donors on higher education and the oversight universities exercised when engaging with Epstein and his network.to contact  me:bobbycapucci@protonmail.comsource:Colleges face scrutiny over Epstein connections

Welcome back! I freestyle then do a longer than usual Update, I then go to Mannys a Reel Boy and we have fun, learn, grow, and expand on Corruption, Comics being killed for comedy, an overactive brain, epstein stuff, and more, then I poke my jokes from City Lounge, and end with Story Time with Chatty G which may be the end. Rate Review Subscribe and see you next week God Willing! IA!

The newest tranche of documents from the U.S. Department of Justice's Epstein Files shows that Jeffrey Epstein's reach into academia was wider than previously understood, revealing communications and interactions between the disgraced financier and faculty, administrators, and fundraisers at major universities. Emails and records include discussions about potential donations, academic projects, and introductions to other scholars, with figures at institutions such as Harvard, Yale, and Bard College appearing in the files. At Harvard, for example, correspondence shows some faculty and leaders engaging with Epstein even after his 2008 conviction, while at Yale, two professors were named — one of whom has been removed from teaching while the university reviews his contact with Epstein. The documents illustrate how Epstein positioned himself as a potential benefactor to researchers and institutions, often offering a quicker route to funding than federal grants and prompting criticism about ethical compromises made in pursuit of private money.At Bard College, longtime president Leon Botstein's name appears extensively in the files, with emails showing repeated contact with Epstein over several years regarding fundraising and events; these revelations have sparked student dismay and scrutiny of how the college handled the relationship. Other universities and scholars mentioned in the broader Epstein Files — including faculty ties at Ohio State University indirectly through connections like donors or trustees — reflect the broader trend of elite academic figures maintaining some form of correspondence with Epstein, sometimes long after his criminal conduct was public. Collectively, the disclosures raise questions about the influence of wealthy private donors on higher education and the oversight universities exercised when engaging with Epstein and his network.to contact  me:bobbycapucci@protonmail.comsource:Colleges face scrutiny over Epstein connectionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

In this episode, our market experts examine how shifting trade flows, growing shipping uncertainty and evolving supply dynamics are reshaping the global bitumen landscape in 2026. Importers across Asia are navigating longer voyage times, tighter vessel availability and escalating freight costs, all of which are creating greater unpredictability in securing prompt cargoes. The discussion also delves into Asia‑Pacific's rapidly changing supply picture, driven in part by a sharp rise in Chinese exports. Competitive pricing from China is increasingly redefining traditional trade relationships across Vietnam, Malaysia and Thailand. The episode further explores how infrastructure spending trends are diverging across major regional markets. China faces slowing growth, while India, Southeast Asia and Australia continue to benefit from stronger project pipelines. These contrasting demand trajectories highlight how broader economic conditions, government investment and market maturity are influencing consumption patterns. Collectively, these factors illustrate a bitumen market in transition, shaped by new trade routes, shifting competitiveness and evolving regional demand.

Banking isn't usually the first place we think about living out our faith. Yet for many believers, where we bank is becoming an important part of faithful stewardship. Financial institutions don't just hold our money—they decide how it's used, invested, and leveraged for impact.That's why faith-based banking is gaining attention. It offers Christians an opportunity to align everyday financial decisions with deeper convictions about money, integrity, and service.Today, we sat down with Aaron Caid, Chief Marketing Officer at Christian Community Credit Union (CCCU) and AdelFi, to talk about why believers may want to reconsider where they bank—and what truly matters when evaluating a financial institution.Start With the Basics: Stewardship Still Requires ExcellenceBefore talking about faith alignment, there's a practical reality we can't ignore: a bank still needs to do its job well.Good stewardship requires systems that are secure, efficient, and reliable. Strong digital tools, responsive customer service, and clear processes aren't luxuries—they're necessities. A banking partner should simplify your financial life, not complicate it with friction, confusion, or outdated technology. In other words, expecting excellence from your bank isn't selfish. It's wise.Once the basics are covered, a deeper question emerges: Does this institution share your values?Every bank makes decisions about how money is used and where it's invested. Those choices reflect a worldview—whether explicit or not. Faith-aligned banking starts from a biblical understanding of stewardship, integrity, and service, recognizing that money is a tool entrusted by God, not an end in itself.Where we bank, then, quietly reflects what we believe about the purpose of money.Faith That Shows Up in ActionOne of the distinctives of organizations like Christian Community Credit Union (CCCU) and AdelFi is that faith doesn't remain a mission statement—it's lived out through tangible generosity.Collectively, these organizations have more than 125 years of supporting Christian ministries, missionaries, church-planting efforts, and disaster relief. Together, they've given millions of dollars toward Christ-centered work around the world.Their impact goes beyond large-scale initiatives. Recent efforts include:Supporting financial discipleship resources for married couples, addressing one of the leading contributors to marital stress and divorce.Partnering with members to contribute over $10,000 to Operation Christmas Child, serving children in need, and sharing the love of Christ.Investing earnings back into members through better rates and lower fees—while also tithing corporately to support gospel work.This is what it looks like when banking becomes a shared mission rather than a purely transactional relationship.Red Flags That May Signal It's Time to Reconsider Your BankRegardless of where you bank today, there are warning signs that may indicate your institution isn't serving you—or your values—well:Unclear or high fees that quietly erode your savingsOutdated technology that complicates everyday money managementPoor access to real people when problems ariseBusiness practices or investments that conflict with your Christian convictionsFeeling like a number, rather than a valued customerThese issues don't just affect convenience—they affect stewardship.What the AdelFi Transition Means for MembersWith the merger of Christian Community Credit Union and AdelFi, members are already seeing expanded services, greater reach, and enhanced capabilities. The combined organization will soon operate under the AdelFi Christian Banking brand, positioning it as the largest Christian banking solution of its kind.The goal is simple: better serve individuals, families, churches, ministries, and Christian-owned businesses—while amplifying Kingdom impact.When financial services function well and align with your faith, your money can serve both your everyday needs and God's Kingdom purposes.As a special opportunity for Faith & Finance listeners, you can earn up to a $400 bonus when opening a qualifying high-yield checking or savings account—or a Visa cash back card.Visit FaithFi.com/Banking and enter code “FAITHFI” to learn more.On Today's Program, Rob Answers Listener Questions:I've heard that Social Security limits how much you can have in savings—$2,000 for singles and $3,000 for couples—or you could lose benefits. Is that true?I'm 66 and will soon qualify for full Social Security, but I plan to keep working. I have about $45,000 in savings and am hesitant to invest it in the stock market given current market conditions. What should I do with that money?I want to honor God through generosity, but I give so much that my account sometimes goes negative. I still want to help people in need, but I know I need more wisdom and self-control. How can I balance generosity with saving, and are there any resources you'd recommend?I've set up my will and want to leave one-time gifts to several organizations. The funds are in my 401(k), and I plan to retire in 2027. Is it better to give while I'm alive or wait until after I die—especially from a tax standpoint and for my son?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU) | AdelFiNational Christian Foundation (NCF)Sound Mind Investing (SMI)Our Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There are certain, critical moments that say directly to us: You must change your life. Collectively, we are in a time when great changes are necessary; yet the idea of truly changing is too fearful for most people. On this episode of Living Myth, Michael Meade tells a surprising story from ancient India in which a fearful tiger suddenly awakens to its true inner nature and becomes transformed.     It turns out that learning about one's true self can be like approaching a tiger. The authentic self has beauty and unique markings. It has power and an intensity of presence similar to the fierce brightness of a tiger. Awakening the deeper self also reveals an inner sense of nobility that can shift fear to awareness and replace uncertainty with a living sense of purpose.     In mythological terms, the less people awaken to who they are in essence, the greater the amount of fear in the world becomes. If we are to find some way through the cascade of crises that currently threaten the world, we must face our deepest fears, open our hearts and begin to see with the visionary eyes of our tiger self. When the inner eyes of our hearts and souls open, we begin to see the world as we were intended to see it, and in so doing, find ways of transforming our lives that also help to transform this troubled world.     Thank you for listening to and supporting Living Myth. You can hear Michael Meade live by joining his free online event "Finding Ways to Make a Change" on Thursday, March 5.   Register and learn more at mosaicvoices.org/events.      You can further support this podcast by becoming a member of Living Myth Premium. Members receive bonus episodes each month, access to the full archives of over 740 episodes and a 30% discount on all events, courses and book and audio titles.   Learn more and join this community of listeners at patreon.com/livingmyth     Along with these free weekly podcasts, you can now read free weekly essays and long form posts by Michael Meade on Substack. Learn more and subscribe at michaeljmeade.substack.com     If you enjoy this podcast, we appreciate you leaving a review wherever you listen and sharing it with your friends. On behalf of Michael Meade and the whole Mosaic staff, we wish you well and thank you for your support of our work.

Collectively, we were tarded. HAPPY VALENTINES DAY!

Welcome to a special series of Art Pays Me interviews with the winners of the 2025 Creative Nova Scotia Awards. Presented annually by Arts Nova Scotia and the Creative Nova Scotia Leadership Council, these awards celebrate artistic excellence across Mi'kma'ki. Award categories are as follows: Creative Community Impact Prix Grand-Pré Established Artist Emerging Artist Black Artist Indigenous Artist And finally, The Portia White Prize that is given to a person who has made outstanding and significant contributions to Nova Scotia's creative community over a sustained career – much like the incredible woman that the award is named after. The winner will also choose a protege, an emerging artist or cultural organization that will also receive funding. Collectively, the awards are worth $75,000! Visit artsns.ca to nominate your favourite Nova Scotian artist or nominate yourself! This series would not be possible without the fantastic production work of Heist and Keke Beatz. artpaysme.com Aquakultre is the artistic voice of Lance Sampson — an uncommonly versatile singer, rapper, composer and storyteller from Halifax, NS. Since winning the 2018 CBC Searchlight competition, Aquakultre has released two Polaris-nominated albums and a multitude of genre-diverse, multi-media collaborations, establishing him as a significant musical and cultural presence. The live show is a warm-hearted party where all are welcomed by Aquakultre's big voice and bigger stage presence. Through all his works, via poetic lyrics and straight-up jams, Aquakultre is on a mission to share his love for his unique and beautiful corner of the culture.

The salient point of this discourse revolves around the ongoing transformations within the furniture industry, particularly marked by notable ownership changes, closures of long-established retailers, and innovative experiments in consumer financing. As we delve into the intricacies of the marketplace, we discern the acquisition of Buddy's Home Furnishings by Skyline Investors, a shift emblematic of a broader trend towards stability amidst the tumult of ownership transitions. Concurrently, we lament the dissolution of Circle Furniture, which highlights the pressures faced by independent retailers despite their historical significance within their communities. Furthermore, we explore the experimental foray into tokenized home financing by Bed Bath and Beyond, a strategic maneuver aimed at appealing to a technologically adept consumer base. Collectively, these developments underscore a dynamic landscape in which manufacturers and retailers alike are compelled to adapt to evolving market conditions and consumer expectations. The unfolding dynamics within the furniture industry reveal a landscape marked by significant ownership transitions and the sobering reality of retail failures. A pivotal development of note is the acquisition of Buddy's Home Furnishings by Skyline Investors, a move that underscores the importance of long-term stability in the rent-to-own sector. Previously, Buddy's had faced uncertainty under the Franchise Group, which sought reorganization through Chapter 11 bankruptcy. The new ownership, in collaboration with Standard Communities, aims to inject capital and operational focus into the brand, indicating a strategic shift towards supporting franchisees rather than merely seeking short-term financial gains. This trend towards stability is particularly salient in an industry plagued by upheaval, offering a glimmer of hope to franchise operators who have been navigating turbulent waters in recent years. Conversely, the retail segment is experiencing a stark contrast, as evidenced by the recent bankruptcy filing of Circle Furniture, a venerable New England retailer. This Chapter 7 bankruptcy, leading directly to liquidation, is a distressing reminder of the pressures that independent and regional retailers face, regardless of their historical prominence. Circle's closure, alongside the retirement-induced shuttering of a 95-year-old Maine store, illustrates a generational shift within the industry, where seasoned owners find it increasingly challenging to pass on their businesses. These developments paint a complex picture of an industry at a crossroads, grappling not only with economic pressures but also with the imperatives of succession and continuity in a rapidly changing marketplace.Takeaways:The acquisition of Buddy's Home Furnishings by Skyline Investors marks a significant ownership change, reflecting a strategic focus on long-term stability rather than immediate profitability.Circle Furniture's abrupt transition into Chapter 7 bankruptcy underscores the mounting pressures faced by independent retailers in today's competitive landscape, highlighting the fragility of established businesses.The closure of a 95-year-old furniture store in Maine due to the owner's retirement exemplifies the generational shifts impacting the industry, as long-time proprietors grapple with succession challenges.Bed Bath and Beyond's experimental tokenized home financing initiative represents a noteworthy attempt to adapt to evolving consumer preferences and the tightening of traditional credit options.Kinkaid Custom...

Dive deep into the realm of air curtains with Curtis Rosol from Mars Air Systems as we explore their transformative role in energy efficiency and environmental control. From grocery stores to industrial applications, air curtains are more than just a stream of air—they're a game-changer for building performance and safety. We discuss:• The science behind air curtains and their role in separating environments• How air curtains improve energy efficiency, reduce humidity and prevent food spoilage• Innovative applications, from cold storage to clean air solutions in healthcare and industrial settings• The importance of proper installation and understanding building pressure for optimal performance• How Mars Air Systems is driving innovation with advanced features like UV lights and HEPA filtersCurtis shares practical insights and real-world examples that highlight the versatility and benefits of air curtains across industries. Whether you're an HVAC professional, engineer or building manager, this episode is packed with knowledge to help you optimize your space.Learn more at marsair.com.-------------------------------------------------------------------------------------------------------

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

Explore Mundavani: Within the Guru Granth Sahib, the term 'mudavani' or 'mundavani' appears in two saloks: one by Guru Amardas Sahib and one by Guru Arjan Sahib. Collectively, these saloks serve as a key to understanding the core message of the Guru Granth Sahib.​Featuring: Sukhmann Kaur (⁠⁠⁠⁠⁠https://sikhri.org/people/sukhmann-kaur⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠)#GuruGranthSahib #Sikhi #Sikhism #Wisdom #Waheguru ##GuruGranthSahibJi

In this eye-opening chronicle of scientific research on the brain in the early Cold War era, the acclaimed historian Andreas Killen traces the complex circumstances surrounding the genesis of our present-day fascination with this organ. The 1950s were a transformative, even revolutionary decade in the history of brain science. Using new techniques for probing brain activity and function, researchers in neurosurgery, psychiatry, and psychology achieved dramatic breakthroughs in the treatment of illnesses like epilepsy and schizophrenia, as well as the understanding of such faculties as memory and perception. Memory was the site of particularly startling discoveries. As one researcher wrote to another in the middle of that decade, “Memory was the sleeping beauty of the brain—and now she is awake.” Collectively, these advances prefigured the emergence of the field of neuroscience at the end of the twentieth century. But the 1950s also marked the beginning of the Cold War and a period of transformative social change across Western society. These developments resulted in unease and paranoia. Mysterious new afflictions—none more mystifying than “brainwashing”—also appeared at this time. Faced with the discovery that, as one leading psychiatrist put it, “the human personality is not as stable as we often assume,” many researchers in the sciences of brain and behavior joined the effort to understand these conditions. They devised ingenious and sometimes transgressive experimental methods for studying and proposing countermeasures to the problem of Communist mind control. Some of these procedures took on a strange life of their own, escaping the confines of the research lab to become part of 1960s counterculture. Much later, in the early 2000s, they resurfaced in the War on Terror. These stories, often told separately, are brought together by the historian Andreas Killen in this chronicle of the brain's mid-twentieth-century emergence as both a new research frontier and an organ whose integrity and capacities—especially that of memory—were imagined as uniquely imperiled in the 1950s. Nervous Systems: Brain Science in the Early Cold War (Harper, 2023) explores the anxious context in which the mid-century sciences of the brain took shape and reveals the deeply ambivalent history that lies behind our contemporary understanding of this organ. Paul Lerner is Professor of History at the University of Southern California where he directs the Max Kade Institute for Austrian-German-Swiss Studies. He can be reached at plerner@usc.edu and @PFLerner. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

The salient point of this discourse centers on the ongoing transformation within the furniture retail landscape, marked by significant ownership changes and a notable wave of closures among long-standing establishments. Our examination reveals that Buddy's Home Furnishings has recently transitioned to new ownership under Skyline Investors, a development that underscores a strategic emphasis on long-term stability amidst the tumultuous backdrop of franchise restructuring. Conversely, we must also confront the somber reality of Circle Furniture's filing for Chapter 7 bankruptcy, signaling an acute vulnerability faced by independent retailers despite their historical prominence in the market. This episode further explores the innovative approaches being undertaken by retailers, such as Bed Bath and Beyond's experimental foray into tokenized home financing, as they strive to adapt to evolving consumer preferences in a tightening economic environment. Collectively, these narratives illustrate a broader delineation of challenges and opportunities that characterize the current milieu in the furniture industry.Takeaways:The acquisition of Buddy's Home Furnishings by Skyline Investors signifies a strategic shift towards long-term stability and investment in the rent-to-own sector.Circle Furniture's closure, following a lengthy operational history, underscores the ongoing challenges faced by independent retailers amidst an evolving market landscape.The introduction of a tokenized home financing option by Bed Bath and Beyond reflects an innovative approach to adapt to changing consumer payment preferences in a tightening credit environment.Kinkaid Custom Upholstery's transition to an independent operation post-sale from La Z Boy indicates a potential for focused growth rather than decline following divestiture.The recent tariff reductions on imported rugs from India provide modest cost relief, potentially stabilizing pricing for retailers dependent on these goods.Overall, the furniture industry is witnessing significant transformations, marked by ownership shifts, closures of long-standing entities, and innovative financing strategies to enhance competitiveness.

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

When the Ground Shifts AgainThis week carries a feeling many of us recognize in our bones: something is moving forward again—but not back to what was.Uranus, the planet of disruption, awakening, and radical change, turns direct in Taurus, marking the final stretch of a seven-year cycle that began in 2018. Since then, what once felt stable—finances, ecological systems, bodily safety, and the promise of “normal”—has been steadily unsettled. Taurus governs the ground beneath our feet, and Uranus has been shaking that ground not to punish, but to awaken.As Uranus moves forward for the last months of its time in Taurus, the message is unmistakable: there is no return to the old stability. But there is an opportunity to build something truer.This forward motion does not arrive quietly. Both Mercury and Venus in Aquarius form tense squares to Uranus, pressing our stories, values, and social agreements up against realities that refuse to be managed or smoothed over. Collectively, this shows up as unrest, protest, and outrage—signals that people can feel when systems no longer protect life or reflect shared values. Aquarius gives voice to the people; Uranus refuses compliance with what has become unjust or unsustainable.At the same time, Mercury and Venus also make supportive connections to Chiron in Aries. Alongside anger and rupture, there is a healing process underway around identity, agency, and the right to exist as oneself. Honest conversation and values-based relationship become part of that healing—not by bypassing pain, but by naming it.Later in the week, Mercury enters Pisces for an unusually long stay, shifting the tone from argument to intuition, from certainty to listening. This is not a time for quick solutions. It's a time to sense what is dissolving and what is quietly asking to emerge.As the week closes, it matters to say this clearly: outrage is not a spiritual failure—it is often a healthy response to real harm. What is equally important to notice is the courage moving alongside it: people supporting one another, organizing without violence, and creating care where institutions have failed. This is not chaos—it is conscience.The astrology cycles of this week do not ask us to harden or look away. They ask us to stay present, embodied, and ethically awake, remembering that collective awakening often begins when we refuse to normalize what wounds life.As you move on from this moment, let your feet find the ground beneath you, and remember that staying human—present, caring, and awake—is already an act of courage.Reflection Questions for the Week:Where has my sense of security already changed—financially, physically, or emotionally—even if I haven't fully acknowledged it yet? When I feel agitation, anger, or outrage—personally or in response to the collective—what truth might be trying to surface through that energy? Where am I being invited to speak, relate, or choose more honestly—even if it disrupts comfort or agreement?Podcast Poem: Kindness by Naomi Shihab NyeSupport the showGo to Sheila's website for information for transformational resources: https://www.ontheedgesofchange.com/home-page This episode was co-created with generative AI, engaged as a soul-aligned ally in service of transformation. At the edge where technology meets myth, I choose insight over noise, and alchemy over automation. Thank you for dreaming the future with me.

In this eye-opening chronicle of scientific research on the brain in the early Cold War era, the acclaimed historian Andreas Killen traces the complex circumstances surrounding the genesis of our present-day fascination with this organ. The 1950s were a transformative, even revolutionary decade in the history of brain science. Using new techniques for probing brain activity and function, researchers in neurosurgery, psychiatry, and psychology achieved dramatic breakthroughs in the treatment of illnesses like epilepsy and schizophrenia, as well as the understanding of such faculties as memory and perception. Memory was the site of particularly startling discoveries. As one researcher wrote to another in the middle of that decade, “Memory was the sleeping beauty of the brain—and now she is awake.” Collectively, these advances prefigured the emergence of the field of neuroscience at the end of the twentieth century. But the 1950s also marked the beginning of the Cold War and a period of transformative social change across Western society. These developments resulted in unease and paranoia. Mysterious new afflictions—none more mystifying than “brainwashing”—also appeared at this time. Faced with the discovery that, as one leading psychiatrist put it, “the human personality is not as stable as we often assume,” many researchers in the sciences of brain and behavior joined the effort to understand these conditions. They devised ingenious and sometimes transgressive experimental methods for studying and proposing countermeasures to the problem of Communist mind control. Some of these procedures took on a strange life of their own, escaping the confines of the research lab to become part of 1960s counterculture. Much later, in the early 2000s, they resurfaced in the War on Terror. These stories, often told separately, are brought together by the historian Andreas Killen in this chronicle of the brain's mid-twentieth-century emergence as both a new research frontier and an organ whose integrity and capacities—especially that of memory—were imagined as uniquely imperiled in the 1950s. Nervous Systems: Brain Science in the Early Cold War (Harper, 2023) explores the anxious context in which the mid-century sciences of the brain took shape and reveals the deeply ambivalent history that lies behind our contemporary understanding of this organ. Paul Lerner is Professor of History at the University of Southern California where he directs the Max Kade Institute for Austrian-German-Swiss Studies. He can be reached at plerner@usc.edu and @PFLerner. 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

Send us a textReturning for a third appearance on the show is Toby Poser and John Adams to discuss their latest film, Mother of Flies. Collectively we dissect the film and its themes of life and death in one amazing conversation with this brilliant independent filmmaking family.Catch Mother of Flies streaming now on Shudder!Follow us on Social Media: @pvdhorror Instagram, X, TikTok, FacebookWatch us on YouTube: www.youtube.com/@pvdhorrorSpecial thanks to John Brennan for the intro and outro music. Be sure to find his music on social media at @badtechno or the following:https://johnbrennan.bandcamp.com

Hundreds of proposed amendments to the United States Constitution are introduced during each session of the United States Congress. From 1789 through January 3, 2025, approximately 11,985 measures have been proposed to amend the United States Constitution.[1] Collectively, members of the House and Senate typically propose around 200 amendments during each two-year term of Congress.[2] Most, however, never get out of the Congressional committees in which they were proposed. Only a fraction of those actually receive enough support to win Congressional approval to go through the constitutional ratification process. Some proposed amendments are introduced over and over again in different sessions of Congress. It is also common for a number of identical resolutions to be offered on issues that have widespread public and congressional support

A statement from Gaslit Nation listener Annie in Minneapolis, Minnesota:  Real Resistance I live in Minneapolis, 6 minutes from where Renee Good was shot and killed today by an ICE agent. I am 39, a white woman, with a 6 year old like Renee. I am on my neighborhood rapid response thread and on another morning it could easily have been me who was shot and killed. I feel grief, I feel rage, but I am also hopeful that her death will crack open something that needs to see the light of day. On Tuesday, dozens of people were brutally kidnapped and taken from their families, but there were no press conferences and no headlines. Today, all eyes are on ICE. Schools are canceled for the rest of the week. My manager wrote to say she understands if we need to take time off. It finally feels like the whole city is grieving in the way I have been for the past five weeks since ICE first began occupying Minneapolis, and the past five months since ICE first descended on Chicago. It feels like I can finally grieve openly. Politicians are taking the occupation more seriously. Governor Walz is talking about the national guard, Mayor Frey is talking about Minneapolis police officers protecting first amendment rights. There is so much the state and the city could be doing to assist and protect people at risk right now, but their opposition has been limited to press conferences, social media posts, and an ordinance that limits the use of city property by ICE. This is really different than playing an active role in protecting and supporting people. Actual resistance could look like tracking ICE apprehensions and accounting for all victims, running a support hotline for impacted families, providing legal aid to immigrants, tracking ICE locations and sharing this information with immigrants at risk, maintaining a list of ICE license plates, serving as constitutional observers during ICE stops, or even just lifting up the work of rapid response networks and encouraging residents to participate. None of this has been happening, and that probably won't change, but I now have a tiny bit of hope that it might. There's a recent video put out by Tad Stoermer, a historian of resistance movements, about the "loyal opposition" that puts words to how I have been feeling. He says, "When the opposition party treats an authoritarian regime as a normal political opponent, […] it doesn't just fail to resist, it just becomes a loyal opposition, [loyal to the system it is operating in.] […] It actively teaches people the wrong lessons about what resistance looks like. It […] tells everyone watching 'this is the only appropriate response. This is how serious people handle this situation.' And when 'this' is press releases, and podium speeches, and fundraising emails, and strongly worded social media posts endlessly about, I don't know, cost of living issues, while the regime is invading sovereign nations, announcing it will run them, threatening NATO and world stability in addition to our domestic stability, what people learn is that the situation might not in fact be that serious." He goes on to contrast this with real resistance, which includes developing organizing infrastructure, building parallel institutions, and building resistance networks. He uses the Underground Railroad as an example of real resistance, and talks about how the "loyal opposition" absorbs energy that could otherwise be used for building the resistance infrastructure that we need. Today, Jacob Frey told ICE to "get the f*ck out of Minneapolis," but he didn't say what he will do if they don't. We need to be thinking about resistance dynamics. When ICE does not get out of Minneapolis, what action will the City take? What actions are we taking to back up our demands? The phrase that keeps repeating in my head today is "Make repression backfire." Collectively, let's channel our grief and rage into making state repression backfire and building a real resistance movement that will allow us to protect people, take back power, and build the world we need. Show Notes: Video: Tad Stoermer on the "loyal opposition" https://www.threads.com/@tad.stoermer/post/DTKc0iDjjdn/media Opening clip: AOC https://bsky.app/profile/acyn.bsky.social/post/3mbuool3blc2k Opening clip: Protesters https://bsky.app/profile/chaddavis.photography/post/3mbumcqka2c2v Opening clip: Philip Bump on MS Now https://bsky.app/profile/atrupar.com/post/3mbwiolzxln25 American Gestapo: Gregory Bovino's Border Patrol https://gaslitnation.libsyn.com/american-gestapo-gregory-bovinos-border-patrol Join our community of listeners and get bonus shows, ad free listening, group chats with other listeners, ways to shape the show, invites to exclusive events like our Monday political salons at 4pm ET over Zoom, and more! Discounted annual memberships are available. Become a Democracy Defender at Patreon.com/Gaslit