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Let's get real for a moment. Not “do you feel overwhelmed?” but how overwhelmed are you… right now? If your answer is “way more than I used to be,” you're not alone. In fact, that's the norm for so many women I speak to—feeling maxed out, overstimulated, and constantly on edge. And here's the wild thing: most of us don't even realize how deep into burnout we've gotten until our bodies shut down.  Think about it: every day you juggle thousands of decisions, from “What's for dinner?” to managing family schedules, careers, social commitments, and digital overload. Our brains weren't designed for this 24/7 flood of input. Yet, here we are—expected to handle it all with a smile.  Compare that to 60 years ago: a black-and-white TV, a single daily paper, and meal plans based on “meat of the day.” Simpler? Yes. Less overwhelming? Definitely. Fast forward to today: social media, constant notifications, and a culture of doing more with less time have pushed us past our biological limits. And the effects are showing up in our nervous systems, hormones, and health. What Overwhelm Actually Does to Your Body That lingering fog, the irritability, the weight that won't budge? It's not in your head. It's in your hormones. Chronic stress triggers a cortisol rollercoaster that can derail your entire endocrine system. Over time, this shows up as: Fatigue and brain fog Irregular cycles and hormonal imbalances Poor sleep Skin and gut issues Immune dysfunction Weight gain and insulin resistance Mood swings or anxiety Here's the truth: you can't fix chronic overwhelm by pushing harder, working out more, or “trying to be positive.” You need the right tools for the job—and that starts with data. That's why I love the DUTCH Hormone Test. It gives a detailed view of what's actually happening in your system, so we can target your healing accurately. No more guessing. No more trying every supplement under the sun. In the Female Hormone Solution Program, we walk you step-by-step through this process: Test your hormones (Dutch Test) Interpret your body's stress and hormone story Build a personalized, science-backed plan to heal with meal guides and coaching Get ongoing support from me and my expert team Most women wait until they're absolutely fried before they reach out. I get it. We're taught to just keep swimming. But if you haven't had six months of calm, uneventful life in the last few years? It's no wonder you feel stuck. Your body is not broken. It just needs time, support, and the right conditions to heal. That's what we do. We match the right tools to your situation.  Get on the waitlist now for the next round of the Female Hormone Solution Program. We only work with a limited number of women so we can give you the hands-on attention and results you deserve. Click here to join the waitlist: https://drbethwestie.com/waitlist/  

Take the next step in your retirement planning. Tune in to the latest episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase, where you'll hear thoughtful, real-world insights designed to help you make informed financial decisions and pursue a more confident, purposeful retirement. • Explore ways to optimize Social Security benefits, including timing strategies, spousal considerations, and personalized withdrawal approaches. • Understand common sources of retirement anxiety, even among high-net-worth individuals, and consider approaches for managing emotional and financial uncertainty. • Learn how trusts can support estate planning goals, from avoiding probate to managing real estate assets within your long-term financial plan. • Consider retirement account strategies such as the Rule of 55, Roth conversion timing, and prioritizing tax-efficient cash flow. Review your investment mix by comparing target date funds and balanced funds, and evaluate which may better align with your risk tolerance and retirement timeline. • Weigh different withdrawal strategies by comparing the timing of distributions from retirement accounts versus claiming Social Security. • Examine how 529 plans and Roth IRAs may fit into your education and retirement planning—especially if you're part of a high-income household navigating recent tax law changes. Compare the structure and features of S&P 500 mutual funds and ETFs to help determine which may be more appropriate for your investment preferences.

“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.”With those words, Warren Buffett reminded us that character and integrity matter—especially in the world of money. Now, after more than sixty years of market-shaping moves and famous one-liners, Buffett is calling it a career. Today, Matt Bell joins us to reflect on his legacy and share what timeless lessons every investor can learn from it.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. A Track Record That's Hard to IgnoreIf you had invested $100 in Berkshire Hathaway back in 1965, that single investment would have grown to over $5.5 million by the end of last year. Compare that with the S&P 500 over the same period, which would have turned $100 into just $39,000. Clearly, Buffett did something different.One unconventional move? He never issued dividends for Berkshire Hathaway, instead reinvesting profits to increase share value. That patient, long-view approach paid off—and it hints at biblical principles like delayed gratification and wise stewardship (Proverbs 21:20).Buffett famously said, “Be fearful when others are greedy and greedy when others are fearful.” While Christians would rightly reject greed and fear as motivations, the deeper principle here is about remaining steady and disciplined in volatile times—echoing Proverbs 14:15: “The simple believe everything, but the prudent give thought to their steps.”Buffett often waited with cash on hand until the right opportunities appeared, especially during downturns. That patience and discernment mirrors biblical instruction to avoid impulsiveness and instead seek wisdom in decision-making.Investing Lessons With Biblical ParallelsOver the years, Buffett offered dozens of pithy insights that mirror biblical truth. Here are a few standouts:“If you don't find a way to make money while you sleep, you'll work until you die.”—This speaks to the wisdom of putting money to productive use—earning a return through thoughtful investing, a principle echoed in the Parable of the Talents (Matthew 25). “Risk comes from not knowing what you're doing.”—In Proverbs 15:22, we're reminded that “Plans fail for lack of counsel, but with many advisers they succeed.” Financial ignorance creates risk, but biblical stewardship calls for wisdom and learning. Diversification, emotional control, and long-term vision—Buffett emphasized all three. These align with a measured, prudent approach to money that Scripture continually encourages.Buffett never let global turmoil shake his confidence in long-term investing. He wrote, “In the 20th century, the U.S. endured world wars, recessions, a depression, oil shocks, and more—yet the Dow rose from 66 to 11,497.” His takeaway: “It's been a terrible mistake to bet against America.”While our hope as Christians isn't rooted in any one nation's economy, Buffett's long view reminds us of the value of endurance and not making decisions based on fear or short-term noise (see James 1:5–6).Generosity and LegacyPerhaps most inspiring is Buffett's commitment to give away 99% of his wealth. He plans to direct his Berkshire Hathaway shares toward philanthropic causes within ten years of his estate being settled. While we may differ on where those funds go, the posture of open-handed generosity reflects Jesus' teaching: “It is more blessed to give than to receive” (Acts 20:35).Buffett's success wasn't just about intellect—it was about character: discipline, patience, and generosity. These are values every believer is called to cultivate. As you manage your resources, consider how biblical principles—often echoed in even the most unlikely places—can shape a wise, faithful financial life.To explore these ideas further, read Matt Bell's full article, The Wisdom of Warren Buffett at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I've never had a credit card before, but I recently received a pre-qualified offer from Capital One. They mentioned they've reviewed my credit and noticed I'm keeping up with my bills. Should I consider applying for this card, and how can I verify that the offer is legitimate?As a grandmother, I'm concerned that my grandchildren aren't learning essential financial skills from their parents. I'd love to step in and help, especially with my 20-year-old grandchild. What is the best way to encourage them to save money and manage their finances wisely?Over the past couple of years, God has really blessed me with increased income, and I'm incredibly grateful. I live simply, help my parents, and avoid lifestyle inflation—but I want to make sure I'm handling this increase in a way that honors God. How can I manage this money with biblical stewardship in mind?I'm in a strong financial position—no debt, and I tithe faithfully. I just received $15,000 from selling off some business assets and want to invest it wisely. I'd like it to earn a good return, but I also want it to remain accessible if needed. What are some smart options that fit my situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingThe Wisdom of Warren Buffett by Matt Bell (Sound Mind Investing Article)Bankrate | NerdwalletOpen Hands FinanceChristian Community Credit UnionWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

I. Core Concepts of God's Nature God as "Abba Father": Meaning of "Abba": A Hebrew word meaning "daddy," signifying an intimate and close relationship. Biblical Basis: Romans 8:14-16 and Galatians. Implications for Relationship: God does not withhold good things or do evil against His children. It implies full adoption rights, including the same inheritance as Jesus (co-heirs with Christ). Contrast with Human Perspective: The concept challenges traditional views of God as distant or formal. God is Love (Agape): Definition of Agape Love: Unconditional, independent of human actions, unmerited, and undeserved. Biblical Basis: 1 John 4:16 ("God is love"), John 3:16 ("For God so loved the world..."). Intensity of God's Love: Emphasized by the word "so" in John 3:16, leading to the ultimate sacrifice of His only begotten Son. "World" in John 3:16: Refers to the people of the world, not just the planet. Eternal Life (Zoe): Defined in John 17 as knowing God the Father and Jesus Christ. It is a person, not just a concept or a place. God's Love in the Old Testament vs. New Testament: Old Testament Context: Shema (Deuteronomy 6:4-5): "O Israel, the Lord our God is one." The word "one" (echad) is a "uni-plural" word, implying a unified plurality (like "group" or "herd"), which the Jewish people often misunderstood as a strict singular, creating an obstacle to seeing Jesus as Son of God. Greatest Commandment: Love the Lord with all heart, soul, and strength. No one could perfectly keep this, highlighting the need for a Savior. Purpose of the Law: To make people conscious of sin and point them to a Savior (Romans 3:20, Law as a schoolmaster). Perception of God: Portrayed with anger and wrath (e.g., Flood, Sodom & Gomorrah, deaths under the Law). New Testament Context: New Commandment (John 13): Love one another as Jesus loved us (demonstrated through servant leadership like foot-washing). This supersedes the Old Testament law. Love as an Action Word: Not merely a feeling, but something demonstrated and done (e.g., Timothy caring for others in Philippians 2:20-21). Impact of Love: Fulfills the law (Romans 13:8), covers/obliterates a multitude of sins (1 Peter 4:8), and drives out fear (1 John 4:18). The Finished Work of Christ: Jesus absorbed all God's wrath and judgment on the cross (John 12, Isaiah 53-54). God promises never to be angry with His people again (Isaiah 54). God's Provision: Everything needed for life and godliness is already provided (2 Peter 1). Faith receives what God has already provided, it doesn't move God. God's Nature in the New Covenant: God does not cause sickness, disease, or natural disasters; these are not "acts of God" in the sense of divine judgment against His children. He is for us, not against us (Romans 8). II. The Power and Practicality of God's Love Love Fulfills the Law and Covers Sin: Romans 13:8: Love fulfills the law, meaning there is no law against one who lives in love. 1 Peter 4:8: Love covers/obliterates a multitude of sins – God "remembers your sins no more" (Hebrews 8:12). God's Perception of Believers: Sees them as perfect, complete, lacking nothing through Christ. Love Drives Out Fear: 1 John 4:18: "Perfect love casts out fear because fear involves torment." Receiving God's Perfect Love: As we receive His love, fear and anxiety are dispelled. Overcoming Fear: Through active participation (singing songs of deliverance, asking in faith). Perspective on Demons: They are powerless "maggots" that can deceive but not defeat. Our Identity and Acceptance in Christ: Accepted in the Beloved (Ephesians 1:6): The Greek word "charito" (highly favored/blessed) is applied to believers, just as it was to Mary. We are "the Beloved." Ephesians' Emphasis: Shows our identity, how we are blessed, forgiven, redeemed, sealed with the Holy Spirit, and seated with Christ in heavenly places. Knowing God's Love: It surpasses knowledge; it's an experience in the heart, not just a mental concept. Love Compels Our Actions: 2 Corinthians 5: The love of Christ compels us; our lives are no longer our own. Motives for Action: Not for personal gain, financial benefit, or praise of men, but out of care for others (like Timothy). Parable of the Prodigal Son (Luke 15): A profound picture of the Father's unconditional love, compassion, eagerness to forgive, and restoration. The father ran, embraced (epipto – a bear hug), kissed (continuously), restored (ring, robe, sandals), and celebrated. He would not let the son even finish his repentant speech. Love is Preeminent: 1 John 4:19: "We love because he first loved us." God initiated the relationship. God's Foreknowledge and Orchestration: God knows who will choose Him and orchestrates their lives from the womb (Psalm 139). Goal: Discipleship: God's goal is to make disciples who can operate in His love and bless others (like the good ground in the parable of the sower). Remembering God's Interventions: Keep a "book of remembrance" of how God has supernaturally intersected your life. The Greatest of These is Love: While faith and hope are important, love is eternal and central to God's defining characteristic. How Love is Expressed (Fruit of the Spirit - Galatians 5:22-23): Joy in the Lord, Peace, Longsuffering (Patience), Kindness, Goodness, Faithfulness, Gentleness, Self-control. Gentleness: A gentle answer turns away wrath. Self-Control: Speaking life, controlling appetites. Love Surpasses Understanding: Ephesians 3: God's love has immeasurable width, length, depth, and height, surpassing all knowledge. It is infinite in all directions, as is His forgiveness. Being Filled with the Fullness of God: Living out of our spirit, allowing the Holy Spirit within us to flow out in supernatural ways (healing, deliverance). Our Perfection in Christ: Our spirit is perfected the moment we are born again; sin cannot penetrate it (Hebrews 10:14, 1 John 3:9). This perfection is our witness to the world. God as Our Daddy: 1 John 3:1: "Behold what manner of love the Father (Abba) has bestowed upon us, that we should be called children of God." Receiving His Love: It is a gift to be received. II. Quiz What is the significance of the word "Abba" in understanding our relationship with God, and where in Scripture is it primarily found? Explain the concept of "agape" love as described in the source material. How does it differ from a conditional or earned love? How does the speaker differentiate the meaning of the word "world" in John 3:16, and what does he say eternal life (Zoe) truly means according to John 17? According to the source, what was the primary obstacle for Jewish people in the Old Testament to recognizing Jesus as the Son of God, related to their understanding of the Shema? What was the ultimate purpose of the Old Testament Law, and how did it demonstrate humanity's need for a Savior? Describe how Jesus's "new commandment" in John 13 supersedes the Old Testament law, and what specific action did Jesus perform to demonstrate this new commandment? How does the "finished work of Christ" change the perception of God's wrath and anger, particularly in relation to natural disasters? Explain the concept of "faith" as receiving what God has already provided. How does this differ from the idea of "moving God" through prayer or other actions? According to the source, how does God perceive believers after they accept Christ, and what happens to their past sins? Describe at least three actions of the father in the parable of the Prodigal Son that illustrate God's unconditional love and forgiveness. III. Quiz Answer Key "Abba" is a Hebrew word meaning "daddy," signifying an intimate and close relationship with God. It is primarily found in Romans 8:14-16 and Galatians, emphasizing that we have received a spirit of adoption, allowing us to cry out "Abba, Father." "Agape" love is described as unconditional, independent of human actions, unmerited, and undeserved favor of God. It means that we don't have to do anything to receive it; it is freely given once we become His child. The speaker states that the word "world" in John 3:16 refers to the people of the world, not just the planet. Eternal life (Zoe) is defined in John 17 as a person: knowing God the Father and Jesus whom He sent. The primary obstacle was their misunderstanding of the Hebrew word "echad" (one) in the Shema (Deuteronomy 6:4). While a singular word, it has a plural meaning (like "group" or "herd"), but they interpreted it as strictly singular, preventing them from seeing Jesus as the Son of God. The Old Testament Law's purpose was to make people conscious of their sin (Romans 3:20) and to point them to a Savior. Its impossible standards, such as being perfect as God is perfect, demonstrated that no one could keep it, highlighting the universal need for a redeemer. Jesus's "new commandment" in John 13, "love one another as I have loved you," supersedes the Old Testament law, including the Ten Commandments. He demonstrated this by washing His disciples' feet, showing what it meant to be a servant and to love others through action. The "finished work of Christ" means that Jesus absorbed all God's wrath, anger, and judgment on the cross once and for all time. Therefore, God is no longer angry with His people and does not cause sickness, disease, or natural disasters as a form of judgment. Faith, in this context, is described as simply receiving what God has already provided for us through the finished work of Christ. It differs from "moving God" because God has already moved and provided everything; faith is our act of reaching out and taking hold of what is already available. God perceives believers as perfect, complete, and lacking nothing, through Christ. Their past sins are not remembered by God; they are "covered by the blood of Christ" and "obliterated," as if God has no recollection of them. Three actions of the father in the Prodigal Son parable illustrating God's love are: (1) He saw his son "still a great way off" and had compassion, running to meet him; (2) He "fell on his neck" (gave him a bear hug) and began continuously kissing him, not allowing him to complete his repentant speech; and (3) He immediately restored his son with a ring, cloak, and sandals, and celebrated his return, refusing to treat him as a servant. IV. Essay Format Questions Discuss the speaker's emphasis on God's love being "multifaceted" and "like a mosaic." How does this perspective challenge a "one-dimensional" understanding of God, and what are the practical implications for believers? Compare and contrast the Old Testament and New Testament portrayals of God, focusing specifically on the concept of God's wrath and judgment versus His unconditional love. How does the "finished work of Christ" serve as the turning point in this theological understanding? Analyze the role of "love as an action word" in the Christian life, drawing on examples from the source material such as Timothy's character and Jesus's "new commandment." How does this active love relate to fulfilling the law and addressing sin and fear? The speaker states that God's love "surpasses knowledge" and is an experience of the heart. Explain what this means in terms of intellectual understanding versus spiritual reception. How does this concept connect with the idea of being "accepted in the beloved" and filled with the "fullness of God"? Examine the speaker's discussion on the nature of faith as "receiving what God has already provided." How does this understanding impact a believer's approach to prayer, healing, and general reliance on God, and what common misconceptions about God's responsiveness does it challenge? V. Glossary of Key Terms Abba: A Hebrew word meaning "daddy" or "father," used to denote an intimate, affectionate, and close relationship with God. Agape: A Greek word for unconditional, selfless, and benevolent love, often used to describe God's love for humanity. Charito (Accepted in the Beloved): A Greek word meaning "highly favored" or "blessed," used in Ephesians 1:6 to describe believers' status in Christ and also used by Gabriel to Mary. Discipleship: The process of becoming a follower of Jesus Christ, mimicking His character and putting faith into action, going beyond simply being a "believer." Echad: A Hebrew word for "one," which in the context of the Shema (Deuteronomy 6:4) implies a "uni-plural" unity (like a group or herd), rather than a strict singular, which the speaker argues was misunderstood by some Jewish people. Epipto: A Greek word meaning "fell on" or "embraced," used in the parable of the Prodigal Son to describe the father's bear hug and in Acts to describe the Holy Spirit "falling upon" believers. Finished Work of Christ: Refers to the complete and perfect salvation achieved by Jesus Christ's death and resurrection on the cross, through which all of God's wrath and judgment for sin were absorbed. Law (Old Testament): The Mosaic Law given to Israel, which, according to the speaker, served to make people conscious of sin and point them to a Savior, rather than being a means of salvation itself. New Commandment: Jesus's command to "love one another as I have loved you" (John 13), presented as superseding and fulfilling the Old Testament Law. Perfect Love: Refers to God's flawless and complete love, which, when received by believers, has the power to drive out all fear. Portrait of God: The speaker's method of presenting God's multifaceted nature, similar to assembling pieces of a mosaic, to provide a comprehensive understanding beyond simple definitions. Prodigal Son: A parable from Luke 15 used by the speaker to illustrate the Father's unconditional love, compassion, forgiveness, and restoration towards those who return to Him. Royal Law of Love: A New Testament principle emphasizing love as the guiding law for believers, fulfilling all other laws. Zoe (Eternal Life): A Greek word for eternal life, which John 17 defines not as a concept or a place, but as a person: knowing God the Father and Jesus Christ.

There is a curious bravery in staying quiet. A paradox of power in invisibility. In the theater of reform, those who script the act are rarely the ones who survive its performance. We have, on one side, the conceptual vanguard—architects of utopia, fluent in white paper and panel discussion. On the other, the vulgarian proletariat, kinetic and uncontainable, arriving late to the table and eating with their hands.This friction—between design and deployment, theory and practice—is not a glitch. It's the mechanism. Every grand vision must, at some point, leave the seminar and enter the field. But when it does, it meets the brutal truth: the field has other plans. The neighborhood doesn't care about narrative arcs. It wants breakfast.Well-meaning policy grads summon food into deserts. Corporations offer flagship mercy. And ten years later, the stores close. The organism rejects the transplant. What remains are fortified bodegas, Korean groceries, and Chinese takeout joints with bulletproof glass and a menu optimized for chaos. These aren't monuments to equity—they're survivors. They're not supposed to thrive. But they do. They've adapted to entropy. They know the experiment was never designed for them.In every revolution, there's the moment of handoff: from the builder to the user, from the whiteboard to the street. And invariably, the user does something unexpected, sometimes profane. This is not betrayal. It's entropy. The vanguard might compare it to the marshmallow test: delayed gratification as virtue. But if you've been hungry for generations, you eat the marshmallow. You eat the experimenter. You rob the lab. That's not dysfunction—it's survival in a system that forgets your name between fiscal quarters.And yet, the spectacle continues. The vanguard insists. The credits roll with their names in bold. They are the stage moms of progress, the self-narrating functionaries of justice. They believe their scripts are reality. But reality prefers improv. And the crowd throws tomatoes.Let's talk archetypes. The gray man. He walks unnoticed. He grins stupidly while clocking exits. He performs cowardice to de-escalate, but inside is the glint of steel. The gray man does not demand applause. He knows survival is the reward. He has no need to post. He does not brand his ethics. But he builds. Quietly. Permanently.This author has worn that costume. As a kid in Hawaii, survival meant disappearing. Smile. Duck. Wait. Sometimes the coward is a bear in a windbreaker. You don't want to find out the hard way.While the left has produced many performers, the right has trained technicians. The overturning of Roe was not street theater—it was actuarial vengeance, born in filing cabinets, whispered through internships, built brick by brick by people you'll never meet. The gray men won that war. And nobody noticed until the building was rubble.Compare that to the Wag the Dog moment—the director who insists on credit gets killed. The lesson is not metaphor. It is survival protocol. Stay out of the credits. Do the work. Disappear.Cities, too, are containment fields. They are rubber rooms. Creative people board buses to them seeking freedom and find curated confinement. The wildness is tolerated—celebrated, even—as long as it remains quarantined. The lab coats are monitoring your behavior. And if the experiment becomes self-aware, it's quietly euthanized.The airlock is a better metaphor. Many believe they've boarded the ship, that they're on mission. But they're still in the transitional chamber. They've been rubber-roomed. And most never leave. They perform revolution under observation, inside a room built by the very system they think they're dismantling.This is not a condemnation. It is a caution. Speak softly. Carry a data set. Build what outlasts applause.Because the sword that cleaves the world is not the one you see coming. And the ones who seek credit almost never survive the sequel.

Send us a textDid you know your retirement account could be used to invest in real estate, private businesses, cryptocurrency, or virtually any other asset class? Most Americans don't, and it's costing them millions in potential wealth.In this eye-opening conversation with Adam Bergman, founder of IRA Financial Group and tax attorney, we explore the hidden power of self-directed IRAs and how they're revolutionizing retirement planning. Adam reveals that despite what most financial institutions tell you, IRAs have remarkably few limitations—you can't buy collectibles like art, you can't purchase life insurance, and you can't engage in self-dealing transactions. Everything else? Fair game.The wealth-building potential is staggering. Adam shares how investing just $5,000 annually from age 25 to 70 with an 11% return (achievable through alternative investments) could yield nearly $5 million tax-free. Compare that to a taxable account, which would only generate about $2 million with the same contributions and returns. The system is literally "rigged in our favor," as Adam puts it, yet most Americans never take full advantage.What's particularly concerning is the concentration risk in traditional retirement accounts. The S&P 500, where most Americans have their retirement funds, is heavily weighted toward just ten companies that make up approximately 80% of its value. Meanwhile, over 80% of companies with revenues exceeding $100 million are privately held—meaning they're completely inaccessible to traditional retirement accounts. Self-directed IRAs solve this problem.Beyond investment strategies, Adam shares his personal philosophy on balancing business success with family life, physical health, and philanthropy. His advice on career transitions is particularly valuable: rather than abruptly quitting your job to pursue a passion, find ways to leverage your existing expertise while building something new on the side.Whether you're just starting your retirement planning journey or looking to diversify an existing portfolio, this conversation provides actionable insights that could transform your financial future. Check out IRAFinancial.com to learn more about self-directed retirement options.To Learn more about Adam: Linkedin: https://www.linkedin.com/in/adambergman1 To Reach Jordan:Email: Jordan@Edwards.Consulting Youtube:https://www.youtube.com/channel/UC9ejFXH1_BjdnxG4J8u93Zw Facebook: https://www.facebook.com/jordan.edwards.7503 Instagram: https://www.instagram.com/jordanfedwards/ Linkedin: https://www.linkedin.com/in/jordanedwards5/ Hope you find value in this. If so please provide a 5-star and drop a review.Complimentary Edwards Consulting Session: https://calendly.com/jordan-555/intro-call

In this episode of I 501(c) You, host Michael Corley sits down with Marc Huffman, CEO of OnBoard, to explore how board management software is transforming nonprofit governance. With decades of experience in the tech industry and a deep understanding of mission-driven organizations, Marc shares insights on why nonprofits should move beyond spreadsheets and email chains, how AI is streamlining board operations, and why secure, easy-to-use platforms are the future of effective board meetings. Whether you're a nonprofit executive, board chair, or passionate volunteer, this episode reveals how the right tools can make governance simpler, smarter, and more strategic. Visit OnBoard's Website: www.onboardmeetings.com   Timestamps: (00:00) Introducing Marc Huffman, CEO of OnBoard and eScribe (02:40) Why is this important for nonprofit organizations? (04:00) Why should boards have a board management software? (06:20) Security of board information (07:25) What is the main resistance that nonprofits have with this software? (08:50) What kinds of organizations use this and who from the organization usually reaches out? (10:05) How does a software like this improve governance? (11:50) Role of AI with this product (15:15) Compare and contrast the software in nonprofit and for-profit organizations (18:00) Recapping with Read   Join us every week as we release a new podcast with information about how you can be the best board member and provide great service to your organization. Listen to the podcast on any of the following platforms: YouTube Apple Podcasts Spotify Podcasts Amazon iHeartRadio Visit us at: www.thecorleycompany.com/podcast

Photojournalist and professor Joe Giordano joins Nestor at Di Pasquale's in Canton on the Maryland Crab Cake Tour to compare their East Baltimore roots in Bethlehem Steel, unions and watching our hometown change right before his lens. The post Photojournalist and professor Joe Giordano joins Nestor to compare East Baltimore roots in steel and unions first appeared on Baltimore Positive WNST.

Start your free online visit today at https://Hims.com/Watcher F*%k your khakis and get The Perfect Jean 15% off with the code WATCHER15 at theperfectjean.nyc/WATCHER15 #theperfectjeanpod In the first Get Scared! recorded in front of a live audience we are joined by Detune, and talk about our favorite pieces of evidence. Follow Detune https://twitch.tv/detune https://https://www.youtube.com/detune HOSTED BY Ryan Bergara & Shane Madej & Steven Lim PRODUCER & COHOST Matt Real INTRO BY Anthony De Vera Matt Real EXECUTIVE PRODUCERS Steven Lim Ryan Bergara Shane Madej For ad free, live streams, and cut content join us at https://watchertv.com Social: https://www.instagram.com/getscaredpod http://www.instagram.com/wearewatcher http://www.instagram.com/ryanbergara http://www.instagram.com/shanemadej http://www.instagram.com/stevenkwlim https:/youtube.com/wearewatcher https://instagram.com/mattyistalking https://www.youtube.com/@mattyistalking https://twitch.tv/mattyistalking Business Inquiries: hello@watcherentertainment.com Ask Watcher Pods! AskWatcherPods@gmail.com or leave a voicemail at (818) 275-4585 Learn more about your ad choices. Visit podcastchoices.com/adchoices

9-10am Hour 4 - Jeremy White and Joe DiBiase talk with Ben Gretch about the Bills dominance in the AFC east and how it translates to the rest of the conference. They also discuss the intricacies of player performance bonuses and how many tacos are too many tacos.

Live teaching from Pastor Darryl Hall from Lifewell Church in Garland, TX.⁠https://www.lifewellchurch.com⁠View Full Stream⁠https://www.youtube.com/lifewelld⁠Give Online⁠www.lifewellchurch.com/donate.html⁠Feedback⁠https://www.lifewellchurch.com/feedback.html⁠Twitter⁠https://twitter.com/lifewelld

WhoRon Schmalzle, President, Co-Owner, and General Manager of Ski Big Bear operator Recreation Management Corp; and Lori Phillips, General Manager of Ski Big Bear at Masthope Mountain, PennsylvaniaRecorded onApril 22, 2025About Ski Big BearClick here for a mountain stats overviewOwned by: Property owners of Masthope Mountain Community; operated by Recreation Management CorporationLocated in: Lackawaxen, PennsylvaniaYear founded: 1976 as “Masthope Mountain”; changed name to “Ski Big Bear” in 1993Pass affiliations:* Indy Pass – 2 days, select blackouts* Indy+ Pass – 2 days, no blackoutsClosest neighboring ski areas: Villa Roma (:44), Holiday Mountain (:52), Shawnee Mountain (1:04)Base elevation: 550 feetSummit elevation: 1,200 feetVertical drop: 650 feetSkiable acres: 26Average annual snowfall: 50 inchesTrail count: 18 (1 expert, 5 advanced, 6 intermediate, 6 beginner)Lift count: 7 (4 doubles, 3 carpets – view Lift Blog's inventory of Ski Big Bear's lift fleet)Why I interviewed themThis isn't really why I interviewed them, but have you ever noticed how the internet ruined everything? Sure, it made our lives easier, but it made our world worse. Yes I can now pay my credit card bill four seconds before it's due and reconnect with my best friend Bill who moved away after fourth grade. But it also turns out that Bill believes seahorses are a hoax and that Jesus spoke English because the internet socializes bad ideas in a way that the 45 people who Bill knew in 1986 would have shut down by saying “Bill you're an idiot.”Bill, fortunately, is not real. Nor, as far as I'm aware, is a seahorse hoax narrative (though I'd like to start one). But here's something that is real: When Schmalzle renamed Masthope Mountain to “Ski Big Bear” in 1993, in honor of the region's endemic black bears, he had little reason to believe anyone, anywhere, would ever confuse his 550-vertical-foot Pennsylvania ski area with Big Bear Mountain, California, a 39-hour, 2,697-mile drive west.Well, no one used the internet in 1993 except weird proto-gamers and genius movie programmers like the fat evil dude in Jurassic Park. Honestly I didn't even think the “Information Superhighway” was real until I figured email out sometime in 1996. Like time travel or a human changing into a cat, I thought the internet was some Hollywood gimmick, imagined because wouldn't it be cool if we could?Well, we can. The internet is real, and it follows us around like oxygen, the invisible scaffolding of existence. And it tricks us into being dumb by making us feel smart. So much information, so immediately and insistently, that we lack a motive to fact check. Thus, a skier in Lackawaxen, Pennsylvania (let's call him “Bill 2”), can Google “Big Bear season pass” and end up with an Ikon Pass, believing this is his season pass not just to the bump five miles up the road, but a mid-winter vacation passport to Sugarbush, Copper Mountain, and Snowbird.Well Bill 2 I'm sorry but you are as dumb as my imaginary friend Bill 1 from elementary school. Because your Ikon Pass will not work at Ski Big Bear, Pennsylvania. And I'm sorry Bill 3 who lives in Riverside, California, but your Ski Big Bear, Pennsylvania season pass will not work at Big Bear Mountain Resort in California.At this point, you're probably wondering if I have nothing better to do but sit around inventing problems to grumble about. But Phillips tells me that product mix-ups with Big Bear, California happen all the time. I had a similar conversation a few months ago with the owners of Magic Mountain, Idaho, who frequently sell tubing tickets to folks headed to Magic Mountain, Vermont, which has no tubing. Upon discovering this, typically at the hour assigned on their vouchers, these would-be customers call Idaho for a refund, which the owners grant. But since Magic Mountain, Idaho can only sell a limited number of tickets for each tubing timeslot, this internet misfire, impossible in 1993, means the mountain may have forfeited revenue from a different customer who understands how ZIP codes work.Sixty-seven years after the Giants baseball franchise moved from Manhattan to San Francisco, NFL commentators still frequently refer to the “New York football Giants,” a semantic relic of what must have been a confusing three-decade cohabitation of two sports teams using the same name in the same city. Because no one could possibly confuse a West Coast baseball team with an East Coast football team, right?But the internet put everything with a similar name right next to each other. I frequently field media requests for a fellow names Stuart Winchester, who, like me, lives in New York City and, unlike me, is some sort of founder tech genius. When I reached out to Mr. Winchester to ask where I could forward such requests, he informed me that he had recently disappointed someone asking for ski recommendations at a party. So the internet made us all dumb? Is that my point? No. Though it's kind of hilarious that advanced technology has enabled new kinds of human error like mixing up ski areas that are thousands of miles apart, this forced contrast of two entities that have nothing in common other than their name and their reason for existence asks us to consider how such timeline cohabitation is possible. Isn't the existence of Alterra-owned, Ikon Pass staple Big Bear, with its hundreds of thousands of annual skier visits and high-speed lifts, at odds with the notion of hokey, low-speed, independent, Boondocks-situated Ski Big Bear simultaneously offering a simpler version of the same thing on the opposite side of the continent? Isn't this like a brontosaurus and a wooly mammoth appearing on the same timeline? Doesn't technology move ever upward, pinching out the obsolete as it goes? Isn't Ski Big Bear the skiing equivalent of a tube TV or a rotary phone or skin-tight hip-high basketball shorts or, hell, beartrap ski bindings? Things no one uses anymore because we invented better versions of them?Well, it's not so simple. Let's jump out of normal podcast-article sequence here and move the “why now” section up, so we can expand upon the “why” of our Ski Big Bear interview.Why now was a good time for this interviewEvery ski region offers some version of Ski Big Bear, of a Little Engine That Keeps Coulding, unapologetically existent even as it's out-gunned, out-lifted, out-marketed, out-mega-passed, and out-locationed: Plattekill in the Catskills, Black Mountain in New Hampshire's White Mountains, Middlebury Snowbowl in Vermont's Greens, Ski Cooper in Colorado's I-70 paper shredder, Nordic Valley in the Wasatch, Tahoe Donner on the North Shore, Grand Geneva in Milwaukee's skiing asteroid belt.When interviewing small ski area operators who thrive in the midst of such conditions, I'll often ask some version of this question: why, and how, do you still exist? Because frankly, from the point of view of evolutionary biologist studying your ecosystem, you should have been eaten by a tiger sometime around 1985.And that is almost what happened to Ski Big Bear AKA Masthope Mountain, and what happened to most of the dozens of ski areas that once dotted northeast Pennsylvania. You can spend days doomsday touring lost ski area shipwrecks across the Poconos and adjacent ranges. A very partial list: Alpine Mountain, Split Rock, Tanglwood, Kahkout, Mount Tone, Mount Airy, Fernwood - all time-capsuled in various states of decay. Alpine, slopes mowed, side-by-side quad chairs climbing 550 vertical feet, base lodge sealed, shrink-wrapped like a winter-stowed boat, looks like a buy-and-revive would-be ski area savior's dream (the entrance off PA 147 is fence-sealed, but you can enter through the housing development at the summit). Kahkout's paint-flecked double chair, dormant since 2008, still rollercoasters through forest and field on a surprisingly long line. Nothing remains at Tanglwood but concrete tower pads.Why did they all die? Why didn't Ski Big Bear? Seven other public, chairlift-served ski areas survive in the region: Big Boulder, Blue Mountain, Camelback, Elk, Jack Frost, Montage, and Shawnee. Of these eight, Ski Big Bear has the smallest skiable footprint, the lowest-capacity lift fleet, and the third-shortest vertical drop. It is the only northeast Pennsylvania ski area that still relies entirely on double chairs, off kilter in a region spinning six high-speed lifts and 10 fixed quads. Ski Big Bear sits the farthest of these eight from an interstate, lodged at the top of a steep and confusing access road nearly two dozen backwoods miles off I-84. Unlike Jack Frost and Big Boulder, Ski Big Bear has not leaned into terrain parks or been handed an Epic Pass assist to vacuum in the youth and the masses.So that's the somewhat rude premise of this interview: um, why are you still here? Yes, the gigantic attached housing development helps, but Phillips distills Ski Big Bear's resilience into what is probably one of the 10 best operator quotes in the 209 episodes of this podcast. “Treat everyone as if they just paid a million dollars to do what you're going to share with them,” she says.Skiing, like nature, can accommodate considerable complexity. If the tigers kill everything, eventually they'll run out of food and die. Nature also needs large numbers of less interesting and less charismatic animals, lots of buffalo and wapiti and wild boar and porcupines, most of which the tiger will never eat. Vail Mountain and Big Sky also need lots of Ski Big Bears and Mt. Peters and Perfect Norths and Lee Canyons. We all understand this. But saying “we need buffalo so don't die” is harder than being the buffalo that doesn't get eaten. “Just be nice” probably won't work in the jungle, but so far, it seems to be working on the eastern edge of PA.What we talked aboutUtah!; creating a West-ready skier assembly line in northeast PA; how – and why – Ski Big Bear has added “two or three weeks” to its ski season over the decades; missing Christmas; why the snowmaking window is creeping earlier into the calendar; “there has never been a year … where we haven't improved our snowmaking”; why the owners still groom all season long; will the computerized machine era compromise the DIY spirit of independent ski areas buying used equipment; why it's unlikely Ski Big Bear would ever install a high-speed lift; why Ski Big Bear's snowmaking fleet mixes so many makes and models of machines; “treat everyone as if they just paid a million dollars to do what you're going to share with them”; why RFID; why skiers who know and could move to Utah don't; the founding of Ski Big Bear; how the ski area is able to offer free skiing to all homeowners and extended family members; why Ski Big Bear is the only housing development-specific ski area in Pennsylvania that's open to the public; surviving in a tough and crowded ski area neighborhood; the impact of short-term rentals; the future of Ski Big Bear management, what could be changing, and when; changing the name from Masthope Mountain and how the advent of the internet complicated that decision; why Ski Big Bear built maybe the last double-double chairlift in America, rather than a fixed-grip quad; thoughts on the Grizzly and Little Bear lifts; Indy Pass; and an affordable season pass.What I got wrongOn U.S. migration into cities: For decades, America's youth have flowed from rural areas into cities, and I assumed, when I asked Schmalzle why he'd stayed in rural PA, that this was still the case. Turns out that migration has flipped since Covid, with the majority of growth in the 25-to-44 age bracket changing from 90 percent large metros in the 2010s to two-thirds smaller cities and rural areas in this decade, according to a Cooper Center report.Why you should ski Ski Big BearOK, I spent several paragraphs above outlining what Ski Big Bear doesn't have, which makes it sound as though the bump succeeds in spite of itself. But here's what the hill does have: a skis-bigger-than-it-is network of narrow, gentle, wood-canyoned trails; one of the best snowmaking systems anywhere; lots of conveyors right at the top; a cheapo season pass; and an extremely nice and modern lodge (a bit of an accident, after a 2005 fire torched the original).A ski area's FAQ page can tell you a lot about the sort of clientele they're built to attract. The first two questions on Ski Big Bear's are “Do I need to purchase a lift ticket?” and “Do I need rental equipment?” These are not questions you will find on the website for, say, Snowbird.So mostly I'm going to tell you to ski here if you have kids to ski with, or a friend who wants to learn. Ski Big Bear will also be fine if you have an Indy Pass and can ski midweek and don't care about glades or steeps, or you're like me and you just enjoy novelty and exploration. On the weekends, well, this is still PA, and PA skiing is demented. The state is skiing's version of Hanoi, Vietnam, which has declined to add traffic-management devices of any kind even as cheap motorbikes have nearly broken the formerly sleepy pedestrian city's spine:Hanoi, Vietnam, January 2016. Video by Stuart Winchester. There are no stop signs or traffic signals, for vehicles or pedestrians, at this (or most), four-way intersections in old-town Hanoi.Compare that to Camelback:Camelback, Pennsylvania, January 2024. Video by Stuart Winchester.Same thing, right? So it may seem weird for me to say you should consider taking your kids to Ski Big Bear. But just about every ski area within a two-hour drive of New York City resembles some version of this during peak hours. Ski Big Bear, however, is a gentler beast than its competitors. Fewer steeps, fewer weird intersections, fewer places to meet your fellow skiers via high-speed collision. No reason to release the little chipmunks into the Pamplona chutes of Hunter or Blue, steep and peopled and wild. Just take them to this nice little ski area where families can #FamOut. Podcast NotesOn smaller Utah ski areasStep off the Utah mainline, and you'll find most of the pow with fewer of the peak Wasatch crowds:I've featured both Sundance and Beaver Mountain on the podcast:On Plattekill and Berkshire EastBoth Plattekill, New York and Berkshire East, Massachusetts punched their way into the modern era by repurposing other ski areas' junkyard discards. The owners of both have each been on the pod a couple of times to tell their stories:On small Michigan ski areas closingI didn't ski for the first time until I was 14, but I grew up within an hour of three different ski areas, each of which had one chairlift and several surface lifts. Two of these ski areas are now permanently closed. My first day ever was at Mott Mountain in Farwell, Michigan, which closed around 2000:Day two was later that winter at what was then called “Bintz Apple Mountain” in Freeland, which hasn't spun lifts in about a decade:Snow Snake, in Harrison, managed to survive:The Storm Skiing Journal and Podcast is a sustainable small business directly because of my paid subscribers. To upgrade, please click through below. Thank you for your support of independent ski journalism. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

When Jesus spoke about being His disciple, it contained some pretty overwhelming requirements to even qualify for a shot at the position. It's not unusual to see the world of religion try to "Christianize" something Jesus said that was specifically intended for those to whom He was speaking ... Jewish people who were still under the Mosaic law, before the cross. It meant hating family by comparison, carrying your own cross, and giving up ALL possessions. Jesus wasn't speaking to you but was showing would-be followers that they would be unable to cover the cost of what was needed. Only He could carry that cross in order to bring redemption. Compare the rigorous conditions of being a disciple of Jesus with this: "Come to Me, all you who labor and are heavy laden, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and lowly in heart, and you will find rest for your souls. For my yoke is easy and my burden is light" (Matthew 11:28-30). Notice the difference between working through your dedication and commitment at trying to become more like Jesus by what you do ... compared to letting Him release you from such a burden. --Available on Amazon - "Clash of The Covenants: Escaping Religious Bondage Through the Grace Guarantee" https://www.amazon.com/dp/B0713ZSKY7

In this new episode of Waypoint, the Renegades awake to a changed world and attempt to put all the pieces together! Theorize about mind altering supervillains! Compare notes on new memories! Have an uncomfortably pleasant encounter! Music by Kevin MacLeod, Phat Frog Studios, Komiku and Pursky

Learn how private money lending real estate transforms your funding strategy and why private money lending real estate is the go-to for savvy investors. In this episode, we unpack the fundamentals of private money lending real estate to help you raise capital without bank loans.✅ Understand real estate syndication explained—how pooling stranger capital under a sponsor/LP works✅ Discover creative financing in real estate techniques like seller-financing and private notes✅ Learn the ins and outs of real estate joint ventures to partner with active investors✅ Explore OPM strategies for investors that leverage other people's money for growth✅ See how to raise capital with OPM step by step, from pitch to closing✅ Avoid legal missteps with Howey test real estate investing—know when you're issuing a security✅ Draft compliant deals using an operating agreement real estate JV to define roles and equity✅ Compare capital-raise vehicles so you choose the right method for your projectBy the end, you'll have a clear roadmap for structuring deals that attract private lenders, stay SEC-compliant, and scale your real-estate portfolio. No jargon, just actionable insights straight from industry experts.

Mego and Greg compare Maye's and Daniels' sophomore seasons

Former big leaguer and current member of the Sportsnet LA broadcast crew Jerry Hairston Jr joins JD & Silver to compare and contrast the two greatest hitters perhaps of all time: Bonds and Ohtani.See omnystudio.com/listener for privacy information.

Sports with Rod 7-11-2025 …Rod forced to Praise the Yankees …If the Answer is not Caitlyn Clark most of us will get the question wrong …Always Compare Yourself to Losers and You Will Never Lose

Three key details inform us that the recent, 2017 and onward, reporting on the UFO/UAP is nothing but a rewriting of the historical narrative using archaic psychological military-intelligence scripts. One, that AATIP spent only $22 million on research between 2012 and 2017, which pales in comparison with government waste, especially for a subject so critical for air safety and national security. Two, the curated cases investigated by the ODNI and DOD-AARO ignore countless credible global reports about the same. Three, the nature of the reporting and investigation are methods of “education” and “debunking” as laid out by the intelligence and military communities back in a 1953 Report called Robertson Panel. Compare that report with statements from the ODNI today:“That the evidence presented on Unidentified Flying Objects shows no indication that these phenomena constitute a direct physical threat to national security...”The ODNI reports says, “UAP continue to represent a hazard to flight safety and pose a possible adversary collection threat,” a standard policy for what cannot be identified; but the conclusion that these are only “potential risks” indicates that the risks “it poses as both a safety of flight hazard and potential adversarial activity,” are only potential. There is no actual threat. “We suggest that these aims may be achieved by an integrated program designed to reassure the public of the total lack of evidence of Inimical forces behind the phenomenon, to train personnel to recognize and reject false indications quickly and effectively, and to strengthen regular channels for the evaluation of and prompt reaction to true indications of hostile measures.”The ODNI report says, “AARO has been established as the DoD focal point for UAP... AARO is the single focal point for all DoD UAP efforts, leading a whole-of-government approach to coordinate UAP collection, reporting, and analysis efforts.” In other words, the ODNI statement is a public relations campaign equivalent to the quote above.“That the national security agencies take immediate steps to strip the Unidentified Flying Objects of the special status they have been given and the aura of mystery they have unfortunately acquired…”This is precisely the goal of AARO and the reclassification of UFO to UAP, which relates to the next line from the 1953 report: “The Panel's concept of a broad educational program integrating efforts of all concerned agencies was that it should have two major aims: training and ‘debunking'.”It says that the, “basis of such education would be actual case histories which had been puzzling at first but later explained... Recent cases are probably much more susceptible to explanation than older ones; first, because of ATIC's experience and, secondly, their knowledge of most plausible explanations.”And this is why the Tic Tac has been so popular; the story is old enough to remain distant from proper investigation, but new enough to provoke interest. With the declaration by Ross Coulthart that the object is Lockheed Martin technology, the UAP movement has fulfilled the 1953 agenda. A recent case with a history, at first seen as puzzling but then later explained. The 1953 report further suggested employing psychologists, including Dr. Hadley Cantril, who wrote the study of the panic that followed the Orson Welles WOW broadcast in 1938, a story that took place in the area where the recent New Jersey drone sightings also occurred. When the Pentagon's UFO Mythology script was leaked in 2025, coupled with the AARO discovery that the USAF gave fake classified material to commanders, it became clear that all the congressional investigations were nothing short of a ruse. The discrediting of the whistleblowers did not so much discredit them as it did the role they served. The 2025 Pentagon UAP report reinforced these revelations. The narrative circle is complete. People got too close to UFOs 75 years ago, so the military and intelligence communities intervened to spread dis and mis information, and also to cover up their own programs. The narrative has been re-introduced in 2017 so that it can be misdirected again.Following this up is the revelation of a black goo substance found by a ship captain in Ohio. Is it in anyway related to the Sukunaarchaeum Mirabile (Sukuna-biko-na)? Analysis indicates that it contains “20 DNA sequences,” one of which was completely novel. In the X Files this is the vehicle for an alien virus; in Alien, including Prometheus, it is the life force of the xenomorph and what created mankind; in Venom it is an alien parasite; in District 9 it is a alien bio-agent; in Lucy it represents the merging of consciousness with machines; in Event Horizon it is a portal to hell. *The is the FREE archive, which includes advertisements. If you want an ad-free experience, you can subscribe below underneath the show description.-FREE ARCHIVE (w. ads)SUBSCRIPTION ARCHIVEX / TWITTER FACEBOOKWEBSITECashApp: $rdgable EMAIL: rdgable@yahoo.com / TSTRadio@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-secret-teachings--5328407/support.

This Podcast Is Episode 636, And It's About The Three Pillars Of A Profitable Construction Business Running a small construction business is no small feat. You're on job sites one minute, sending invoices the next, and trying to line up your next project after that. It's a constant juggling act—and without the right systems, it's easy to fall behind or burn out. As construction bookkeeping specialists, we work with small contractors who are incredibly skilled in their trade but often feel overwhelmed when it comes to running their businesses. And over the years, we've noticed a pattern: the most profitable, low-stress companies all focus on the same three areas: 1. Getting the Right Jobs (Marketing) 2. Managing the Money (Accounting) 3. Delivering Profitably (Production)   Let's break down how each of these pillars supports a stronger business—and how you can tighten them up, starting today. Pillar 1: Marketing – Attracting the Right Jobs Marketing isn't just about having a nice logo or handing out flyers; it's about creating a lasting impression. For construction businesses, effective marketing means attracting the kind of clients and projects that align with your skills, values, and profit goals. The Mistake: Chasing Every Lead Many small contractors try to say yes to every inquiry, especially when work is slow. But not all jobs are created equal. Some clients haggle, delay payments, or expect champagne results on a beer budget. Taking those jobs to stay busy can ultimately cost you money. The Fix: Focused, Consistent Outreach Start by defining: Your ideal client (residential vs commercial, budget level, style) Your best services (bathroom remodels, decks, renovations, etc.) Your service area (so you don't waste time driving) Then, build a system around that. A few simple but effective ideas: Post before/after photos on social media Ask every happy client for a review or referral Keep your Google Business Profile updated Reply to inquiries promptly with a professional estimate Believe it or not, even your invoice can be a marketing tool. Clean, well-structured paperwork signals professionalism and builds trust, making clients more likely to refer you. Pillar 2: Accounting – Controlling the Money This is the part where most contractors feel out of their depth—but it's arguably the most important. If you don't know your numbers, it's almost impossible to price accurately, manage cash flow, or plan for growth. The Mistake: Guessing at Prices and Profits Many small construction business owners rely on their gut instinct to price jobs or determine if they're making a profit. But guessing leads to underbidding, unpaid labor, or worse—projects that cost you money to finish. The Fix: Job Costing + Cash Flow Awareness At a minimum, you should know: How much does each job cost (LMOS™) How much do you need to earn per day/week to stay profitable What your cash flow looks like over the next 30–60 days This is where we provide the most assistance to contractors. With a sound bookkeeping system in place (like QuickBooks set up for construction), you can: Track expenses by project Compare estimated vs. actual costs See real-time profit/loss reports Prepare for taxes before tax season hits You'll be shocked how much easier it is to raise your rates (or say no to low-ball jobs) when the numbers back you up. Pillar 3: Production – Delivering Projects Profitably You're likely already focused on the work itself. But being great at building isn't enough—you also need to finish jobs on time, avoid scope creep, and manage subs and materials efficiently. The Mistake: Letting Projects Drift If you're not tracking timelines, labor hours, or change orders, even a small project can run away from you. That eats into your profit and frustrates clients who were expecting more transparent communication. The Fix: Simple Project Controls You don't need fancy software to keep projects on track. A few simple steps go a long way: Break the job into clear phases (and invoice accordingly) Use a whiteboard or app to track material orders and deliveries Document change orders and get them signed before moving forward Track hours worked (yours and your crew) against the budget From a bookkeeping perspective, this is a gold mine. Suppose you log labor and material costs against each job. In that case, you'll build a library of real-world data that makes your future estimates sharper and your scheduling more realistic. Your M.A.P. - How the 3 Pillars Work Together Here's the magic: these three areas aren't separate—they support each other. Marketing brings in better jobs. When you know your numbers, you can market confidently and say "no" to bad fits. Accounting keeps your pricing and cash flow in check. When you price reasonably, you can afford to deliver great work without cutting corners. Production builds your reputation and efficiency. When you finish jobs on time and budget, clients rave—and your marketing takes care of itself. It's a flywheel: each pillar makes the others stronger. Final Thoughts You don't need to be a large company to run a professional and profitable construction business. You need to build a foundation around these three pillars: Market to the right clients Know your numbers Deliver on your promises And you don't have to do it alone. As construction bookkeeping specialists, we help small contractors like you establish the systems that reduce stress, protect profits, and set you up for long-term success. Ready to Strengthen Your Foundation? Let's talk. We'll help you: Set up job costing that works Understand your cash flow and overhead Clean up your invoicing and reporting Build confidence in your numbers—so you can grow with clarity You can book a free 30-minute consultation today, and let's get your business running on all three pillars.

Former big leaguer and current member of the Sportsnet LA broadcast crew Jerry Hairston Jr joins JD & Silver to compare and contrast the two greatest hitters perhaps of all time: Bonds and Ohtani.See omnystudio.com/listener for privacy information.

This sermon, titled "None Can Compare" by Dr. Bobby Allen, emphasizes the uniqueness and supremacy of God based on Psalm 86:8. It systematically highlights that nothing and no one can be compared to God in terms of His power, love, faithfulness, grace, mercy, and omnipresent presence. The sermon provides numerous biblical references and examples to illustrate God's matchless attributes, contrasting His steadfastness with the changing nature of the world and human fallibility. Ultimately, it encourages believers to trust in God above all else, offering reflection questions and a prayer to reinforce His incomparable nature.

Looking to upgrade your New Hampshire home? Compare hardwired smart lighting (reliable but installation-intensive) with wireless systems (flexible and cost-effective) and consider your home's structure, budget, and future needs before choosing. Visit https://www.mistersparky.com/southeast-new-hampshire/ for details. Mister Sparky of Southeast New Hampshire City: Newington Address: 177 Shattuck Way Unit A, Website: https://www.mistersparky.com/southeast-new-hampshire

It's 2 a.m. The on-call resident's voice is shaky. The CT shows an 18cm abdominal aortic aneurysm with a Type 1B endoleak. There's gas in the sac, fluid in the belly, and the patient has a defibrillator on both sides of his chest. Is it a rupture? A graft infection? An aortoenteric fistula? All of the above? You're the vascular surgeon, what do you do?  This episode dives deep into decision-making when EVAR fails, when infection strikes, and when the patient might not survive a definitive repair. Let's talk about what happens when clinical textbooks meet real-world chaos. Hosts: ·      Christian Hadeed -PGY 4 General Surgery, Brookdale Hospital Medical Center ·      Paul Haser -Division chief, Vascular Surgery, Brookdale Hospital Medical Center ·      Andrew Harrington, Vascular surgery, Brookdale Hospital Medical Center ·      Lucio Flores, Vascular surgery, Brookdale Hospital Medical Center Learning objectives: · Understand the clinical implications and management of late EVAR complications, including Type 1B endoleak and aortoenteric fistula. · Explore the decision-making process in critically ill patients with multiple comorbidities and infected aortic grafts. · Compare endovascular vs open surgical approaches in the setting of infected AAA, and when each is appropriate. · Recognize the role of multidisciplinary collaboration in complex vascular cases. · Discuss the ethical considerations and goals-of-care planning in high-risk, potentially terminal vascular patients. · Highlight the importance of long-term surveillance after EVAR and the consequences of noncompliance. References ·       Karl Sörelius et al.Nationwide Study of the Treatment of Mycotic Abdominal Aortic Aneurysms Comparing Open and Endovascular Repair.Circulation. 2016;134(22):1822–1832. PubMed: https://pubmed.ncbi.nlm.nih.gov/27799273/ pubmed.ncbi.nlm.nih.gov+15pubmed.ncbi.nlm.nih.gov+15researchgate.net+15 ·       PARTNERS Trial (OVER Trial).Outcomes Following Endovascular vs Open Repair of Abdominal Aortic Aneurysm: A Randomized Trial.JAMA. 2009;302(14):1535–1542. PubMed: https://pubmed.ncbi.nlm.nih.gov/19826022/ pubmed.ncbi.nlm.nih.gov+6pubmed.ncbi.nlm.nih.gov+6jamanetwork.com+6 ·       B.T. Müller et al.Mycotic Aneurysms of the Thoracic and Abdominal Aorta and Iliac Arteries: Experience with Anatomic and Extra-anatomic Repair in 33 Cases.J Vasc Surg. 2001;33(1):106–113. PubMed: https://pubmed.ncbi.nlm.nih.gov/11137930/ sciencedirect.com+5pubmed.ncbi.nlm.nih.gov+5periodicos.capes.gov.br+5 ·       Chung‑Dann Kan et al.Outcome after Endovascular Stent Graft Treatment for Mycotic Aortic Aneurysm: A Systematic Review.J Vasc Surg. 2007 Nov;46(5):906–912. PubMed: https://pubmed.ncbi.nlm.nih.gov/17905558/ researchgate.net+15pubmed.ncbi.nlm.nih.gov+15pubmed.ncbi.nlm.nih.gov+15 ·       Hamid Gavali et al.Outcome of Radical Surgical Treatment of Abdominal Aortic Graft and Endograft Infections Comparing Extra‑anatomic Bypass with In Situ Reconstruction: A Nationwide Multicentre Study.Eur J Vasc Endovasc Surg. 2021;62(6):918–926. PubMed: https://pubmed.ncbi.nlm.nih.gov/34782231/ pubmed.ncbi.nlm.nih.gov+6pubmed.ncbi.nlm.nih.gov+6diva-portal.org+6  Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   If you liked this episode, check out our recent episodes here: https://app.behindtheknife.org/listen

Rays facing the Detroit Tigers Jake Mangum has Joey Wendle energy and commitmentArozarena & Siri had a lackadaisical approach & sometimes spottyMangum, Chandler Simpson & Meisner showing up with strong rookie performancesVeterans energized by the rookie players22 year-old, Junior Caminero hit 22 Home Runs6th & 7th hitters hitting above 300Rays are Strong defensivelyHow aggressive will the Rays be at MLB Trade DeadlineWhere will the Rays add Shane McClanahan on the horizon, playing in the FCLDrew Rasmussen as an opener role with Joe BoyleWhat becomes of the reliever role Blue Jays Pitching Piggyback model – 4 inning pitchers - Noah Syndergaard and Aaron Sanchez & 1 inning closerYoniel Curet is back in AA, when will we see him returnMLB All-Star, Rays in the game, Jonathan Aranda, Brandon Lowe & Junior Caminero         All-Star Game snubs – Juan Soto – How much do you need to pay a player to get into the All-Star gameAl Pujols notes on high salaries and pressure of performanceMLB All-Star player selection rules https://www.mlb.com/news/all-star-game-roster-rules-faq-c239654292Add more variety to All-Star game beyond Home Run DerbyClocking speeds contest versus potential hamstring injuriesRecently Retired players going against the prospectsAUSL – Athletes United Softball League – talent from Oklahoma, USF, KentuckyTryouts for WPBL - https://www.womensprobaseballleague.com/2025/07/02/womens-pro-baseball-league-announces-historic-2025-tryouts-at-nationals-park-in-washington-d-c/Stadiums - Why hasn't baseball utilized commonalities in men and women's fieldsMLB could create an opportunity to grow by sharing fields & stadiumsWould MLB team owners like to get in on the ground floor of Women's BaseballDurham ownership and Sue Zipay with the development of women's baseballfrom the As If department - Mark's offers from the new Rays ownership as broadcaster & also offer as a GM Nationals looking for a new manager Mike Rizzo could rejuvenate a rudderless Rockies organizationChaim Blooms work with Red Sox is now bearing fruit             Nationals are losing a Manager, a GM & a Broadcaster, Bob CarpenterCarpenter discussed need for local broadcasters be involved in post-season gamesWhy is the MLB Draft going to be a dud. Not like the NHL Draft which has last minute action with trades with current team playersWill MLB treat their teams like grown-ups?Draft Day movieInside Edition of MLB Draft Day - What if they had cameras live in the MLB offices during Wimbledon Screw-up, Someone failed to turn on the system that was to replace the line judges. Compare to potential with MLB ASB & ReplaysYou can find Mat at @matgermain.bsky.social or reach Mark at  baseballbizondeck@gmail.com BaseballBiz on Deck, at iHeart Apple, Spotify, Amazon Music, and at www.baseballbizOnDeck.com Special Thanks to Scott Holmes for the music Stomps & Claps

(00:00-13:01) – Adam Schefter joins the show. (13:01-20:05) – Today’s Headlines with Brendan Gunn. (20:05-31:50) – Why Rob Thomson makes us worry about Kevin Patullo. (31:50-41:30) – VJ Edgecombe was diagnosed with a thumb sprain. Is this worth keeping an eye on?

 1.) The most important aspect of Feng Shui is to create a cozy home where you feel relaxed and positive. 2.) To give us an advance for what we attract… And that is crucial for our life.The Chinese emperors have applied Feng Sui for 3000 years to gain:1.) Power, Career. 2.) Fame, recognition.3.) Wealth, money (Tip at the end).4.) Health.5.) Happiness. 6.) Better love relationship.7.) Creativity.8.) Get help.9.) Better Family Life.and it worked and works…Who wonders that Mao Zedong, the modern Singapore founder Lee Kuan Yew, the Hong Kong presidents, mainly all Real Estate Gurus are Feng Shui lovers, for sure also Trump. Hong Kong and Singapore are shaped by Feng Shui… Compare that with Kuala Lumpur, Manila, and Bangkok… Feng Shui is not a belief but a very complex system… If you don't believe that, the famous Master Han Feng Shui gives you for free all of his lectures… That is the best way to get totally confused… I recommend the books: “Feng Shui that makes sense” and “Clear your Clutter with Feng Shui”.The USA has created their own Feng Shui (Black Sect Tantric Buddhism Feng Shui) that is simplified and a reduced system that might not work… Because the American system ignores the cardinal points and can get through that the opposite effects that were desired…  For us is Form Feng Shui and the Compass Feng Shui the best…If we want to go further get a Feng Shui expert… If we start with our living place, we first get rid of all the clutter and junk otherwise Feng Shui can't work. Psychology has approved the rules of Feng Shui. What is inside is outside… If your living place is a mess, then you have a mess already inside of yourself…If everything is crammed in your House, then you are full of thoughts, worries… Get space…When a house buyer wants to buy a house, in the first 20 seconds, he decides even he has seen the house only from outside… And here starts the Feng Shui …. Outside is more important than inside… If your business depends on walk-in Customer, then Feng Shui is a must!!!Feng Shui doesn't like sharp corners because it can hurt,- our subconsciousness doesn't feel so protected… Everything should be organic and with round edges.If you sit behind a desk, the best is always that a wall is behind you and that you can see the entrance… Guess what happens when you take a table in an empty restaurant… do you choose the table in the middle?Tip to gain more money:For gathering more wealth/money, try out an indoor/outdoor fountain in the South East of your home/premise. Or if not possible, position the indoor fountain in the angel 45% left of the main entrance… Don't place a fountain in the sleeping room…I have started with Feng Shui, and it works well for me. My only regret is, why didn't I have started with Feng Shui earlier? My Video: For what is Feng Shui good? https://youtu.be/k5SQ_vB1Iw8My Audio: https://divinesuccess.net/wp-content/uploads/2021/Podcast.B/For-what-is-Feng-Shui-good.mp3

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Ever feel like you're doing all the “right” things: showing up daily, posting consistently, launching with strategy, leading with heart. But yet, you still feel stuck, behind, or questioning everything? This week, I spiraled. Quietly. Behind the scenes. And I realized I wasn't just tired. I was caught in the loop of comparison and self-sabotage. You know the one: Scroll. Compare. Doubt. Shrink. In this honest, unfiltered solo episode of Call Her Creator, I'm walking you through: The psychology of self-sabotage (and why it's not laziness) How Instagram amplifies comparison and anxiety The subtle ways we start shrinking when results feel slow 5 powerful anchors to come back to when you feel stuck If you're in a season where growth feels slower, your confidence feels shaken, or you've been measuring your worth by likes, views, or launches, this episode is your permission to pause, reset, and remember who the heck you are. Plus, I'll walk you through how to break the sabotage loop, reset your energy with a Money Walk, and reconnect with your mission (even when the metrics say otherwise).

Is James Garner Everton's most divisive footballer? Why does a player who clearly possesses much talent divide opinion among Everton's fanbase?  The midfielder has established himself as an important player under David Moyes with many strings to his bow, however  since joining the Blues back in 2022, the former Manchester United man has yet to display his attacking qualities, having played 84 times, scoring only two goals and notching four assists.  Compare that to his loan spell at Nottingham Forest in the Championship in the 2021/22 season, he scored four goals and provided 10 assists, which contributed to the East Midlands club's promotion to the Premier League.  While Garner has shown glimpses of what he can offer, he is het to convince many Evertonians he can push on. Everton manager David Moyes will no doubt be hoping for more from him next season.  In other news, Everton have moved another step closer to finalising a deal to bring Villarreal forward Thierno Barry to the club.  Join Ian Croll and Connor O'Neill as they discuss the latest news coming out of Everton Football Club.  Chris Beesley's Book: Spirit of the Blues: https://tinyurl.com/35yrkvdb *Emotional farewell to Goodison Park | 16-page Everton souvenir picture special:*  https://shop.regionalnewspapers.co.uk/liverpool-echo-monday-19th-may-2025-4583-p.asp *Goodbye to Goodison special souvenir edition:*  https://tinyurl.com/GoodbyeGoodisonSouvenir *Gavin Buckland's Book 'The End' | Order your copy here:* https://tinyurl.com/GavinBucklandTheEnd Everton FC podcasts from the Liverpool ECHO's Royal Blue YouTube channel. Get exclusive Everton FC content - including podcasts, live shows and videos - everyday.  Subscribe to the Royal Blue Everton FC YouTube Channel and watch daily live shows HERE: https://bit.ly/3aNfYav Listen and subscribe to the Royal Blue Podcast for all your latest Everton FC content via Apple and Spotify: APPLE: https://bit.ly/3HbiY1E SPOTIFY: https://bit.ly/47xwdnY Visit the Liverpool ECHO website: https://www.liverpoolecho.co.uk/all-about/everton-fc Follow us on Twitter: https://twitter.com/LivEchoEFC Follow us on TikTok: https://www.tiktok.com/@royal.blue.evertoFollow us on Facebook: https://www.facebook.com/LiverpoolEchoEFC Learn more about your ad choices. Visit megaphone.fm/adchoices

The Orioles have experienced plenty of heartbreaking losses so far this season, but the most recent one will be stuck in the minds of fans for a while. Was last night's blown lead against the Mets the worst loss of the year? Bob, Vinny and Nolan have different opinions.

Compare to the songs here https://www.youtube.com/watch?v=Pt18CfIuST4  https://www.youtube.com/watch?v=DUT5rEU6pqM   LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/   You're here because you want to win—big. Brad Lea doesn't mess around. In this episode, he sits down with Charlie Walk to tear into how he shaped music history behind the scenes—crafting hits, building brands, and exposing the myths of overnight success, delivering the unfiltered truth you won't find anywhere else. No fluff, just real talk and actionable steps to crush it in business and life.   Charlie's links https://www.instagram.com/charliewalk/?hl=en https://www.charliesangels.vc/   Brad Lea is a self-made entrepreneur who turned small-town grit into a multi-million-dollar empire. With over 25 years dominating sales and leadership, he's mentored thousands to outsmart, outwork, and out win their competition. His top-rated podcast, Dropping Bombs, brings raw, game-changing insights from the biggest names in business.   LightSpeed VT is Brad's brainchild—the world's leading interactive training platform. It's built to make your team sharper, faster, and more effective, without wasting time or money. Whether you're a startup or a Fortune 500, LightSpeed VT is how you scale success and dominate your industry. Curious? Check it out: https://www.lightspeedvt.com/   Brad's also behind Closer School, the go-to program for mastering sales and closing deals like a pro. Want to 10x your income? This is where you start. His book, The Hard Way, lays out the brutal, honest lessons he learned building his empire—your blueprint to winning the game. Get it here: https://bradlea.com/product/the-hard-way/   This isn't just a video. It's a wake-up call. Watch it. Share it. Act on it. Closer School: https://www.closerschool.com/cs.

BMitch reacts to Cam Newton's comments about Jayden Daniels being a 1 season wonder

This sermon, titled "None Can Compare" by Dr. Bobby Allen, emphasizes the uniqueness and supremacy of God based on Psalm 86:8. It systematically highlights that nothing and no one can be compared to God in terms of His power, love, faithfulness, grace, mercy, and omnipresent presence. The sermon provides numerous biblical references and examples to illustrate God's matchless attributes, contrasting His steadfastness with the changing nature of the world and human fallibility. Ultimately, it encourages believers to trust in God above all else, offering reflection questions and a prayer to reinforce His incomparable nature.

Facing a flat tyre? When the choice is between corded inflators or cordless models, your driving habits should determine which is best for your UK roadside emergency kit. Experts weigh in on the most convenient solution for quick fixes.https://www.ordiniq.com/products/autopump-saved-me AutoPump City: London Address: Chevalier House, 45-51 Chatham Road South Website: https://www.ordiniq.com/

Send us a textWe often think standing unashamed for our faith means making bold, public declarations—but what if it starts in private, consistent, quiet obedience? In this episode of More Than a Song, we take inspiration from Matthew West's song “Unashamed” to explore the gospel in Romans 1 and examples from the book of Daniel. Discover how a heart resolved in private can stand firm in public…even in the fire or before the lions.Key PointsWhen Paul says he is “unashamed of the gospel,” he follows it up with why — because it is the power of God for salvation.Paul's identity as a servant (Greek: doulos) shapes his purpose and obedience. He belongs to Christ and is sent out by Him.Daniel and his friends didn't stand in anger, but in resolved obedience—a posture developed over time through daily faithfulness.Being unashamed isn't just about standing in public moments—it's about living faithfully in private ones.The gospel is not a New Testament invention. Paul shows it was promised beforehand, centered on Christ, and rooted in Scripture.Scripture ReferencesRomans 1:1–6 – Paul introduces himself as a servant, apostle, and one set apart for the gospel.Romans 1:15–16 – Paul declares he is not ashamed of the gospel.Daniel 1–6 – Daniel and his friends live faithfully, respectfully, and courageously in a pagan culture.Acts 26:15–18 – Paul recounts his calling and commissioning by Jesus.Hebrews 3:1, John 20:21, Acts 1:21–22, Mark 3:14 – Context for the role of apostle.Bible Interaction Tool Exercises (BITEs) UsedRead in context – Don't pull verses in isolation; read the surrounding chapters.Make a list – Especially helpful in unpacking Romans 1.Do a word study – Greek terms like doulos (servant), apostolos (apostle), and euangelion (gospel).Use multiple translations – Compare how key terms are rendered across versions.Slow down – Meditate on phrases and ask, “What does this really mean?”Additional ResourcesLyrics - New Release TodayFree Episode Guide – Download it to interact more deeply with this week's Scriptures and BITEs.BibleHub.com (for free word studies and translation comparison)Learn more about my favorite Bible Study Software with a 30-day free trial and links to my favorite Bible resources - Logos Bible Software Affiliate Link resources - Logos Bible Software Affiliate LinkThis Week's ChallengeSpend some time working your way slowly through Romans chapter 1. Take the time to make lists and complete word studies so that you can fully understand what Paul was saying to his first audience — the believers in Rome — and us today. Slip over to Daniel and read the first six chapters. Get caught up in the story. Remember that the men described in these pages were real. They determined in their heart to obey God and follow His ways amid a dark and pagan culture. They stood their ground, and God blessed them in the midst of it. It doesn't mean they didn't go through trials, but that they were prPurchase your copy of A Seat at the Table today! Change your music. Change your life. Join my free 30-Day Music Challenge. CLICK HERE.

In episode #295 of SaaS Metrics School, Ben Murray breaks down how to benchmark your CAC Payback Period accurately—and why generic social media posts can lead you astray. Too many founders rely on simplified benchmark numbers, such as “12 months or less is good,” without understanding the nuances behind the data. Ben explains why ACV segmentation is critical, how top-quartile companies perform across different contract sizes, and where you can obtain customized benchmarks for your SaaS business. Key topics include: Why aggregate CAC Payback benchmarks are dangerous to follow blindly How CAC Payback performance varies by Annual Contract Value (ACV) Top quartile benchmarks from (Ray Rike's database) CAC Payback ranges Why product segmentation matters—don't combine CAC across SMB and enterprise lines How to get free, custom benchmarks to evaluate your own performance Remember: You can't optimize what you don't benchmark correctly. Get free custom SaaS benchmarks: Benchmarkit.ai Download my CAC Payback Period template: https://www.thesaascfo.com/how-to-calculate-cac-payback-period-with-variable-revenue/

In this episode, we dive into the third beatitude: “Blessed are the meek, for they shall inherit the earth.”Jesus invites us into a surprising way of life—one that's calm, unbothered, and gentle. Let's unpack what true meekness is and explore how trusting God empowers us to live with quiet strength, joy, and the hope of an unshakable inheritance.To keep exploring the themes in this episode, consider these passages and reflection questions. Read Galatians 6:1-2. What connection do you see between poverty of spirit and meekness?Read James 1:19-21. Why is it important to receive God's Word with meekness?Read James 3:13-17. What is the connection between meekness and wisdom? Compare the traits of wisdom listed to the traits of meekness discussed in this episode. What similarities do you notice?

This Episode is Sponsored by BetterHelp Tickets for The Big Baby Tour https://www.whitneycummings.com SHOP: https://whitneycummings.com/index.html#store Thank you to our sponsors!

You see it in the financial headlines. How much should I have saved at this age? For some reason we want to know how we are doing compared to everyone else. Is that a good thing or not? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Watch clips on YouTube! Subscribe to the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SPEAK YOUTUBE CHANNEL⁠⁠⁠ (00:00) Are the Steelers on the same path as the Titanic ship? / Fair to rank Josh Allen ahead of Patrick Mahomes? / Does Dak Prescott deserve more respect? (25:32) Mount Rushmore of American athletes (34:44) Vibe Check (40:21) Social Life / Could Damian Lillard be the perfect signing for a team? / More likely to win another NBA Title: LeBron or Steph? (52:06) Truth Lounge (1:00:25) Social Life / How much pressure is Jordan Love under? (1:11:12) Joy's Friday Flowers (1:13:31) Key's Big List Learn more about your ad choices. Visit podcastchoices.com/adchoices

Mental strength isn't just about building good habits — it's about breaking the bad ones. In this powerful episode, Amy Morin reveals how to overcome the unhealthy beliefs that hold us back and how one small step can ignite life-changing transformation. Discover how to trade excuses for action and build the mental muscle to reshape your world — starting today.Source: The Secret of Becoming Mentally Strong | Amy Morin | TEDxOcalaHosted by Sean CroxtonFollow me on Instagram Check out the NEW Black Excellence Daily podcast. Available on Apple Podcasts, Spotify, Pandora, and Amazon.

In this podcast episode, Krish Palaniappan discusses the evolving landscape of finance and technology, focusing on the business models of Tesla and Uber. He explores Tesla's expansion into Robotaxis and its implications for Uber's ride-hailing services. The conversation delves into market performance, sales analysis, and the competitive edge provided by data and technology. The episode concludes with financial insights into both companies and a look at future prospects in the mobility sector.

Jeremy Keil explores Barron's 5 strategies to respond to market volatility with your retirement portfolio. Are you feeling nervous about what today's market volatility could mean for your retirement? You're not alone. A recent Barron's article titled “Market Anxiety Is Running High. How to Secure Your Retirement Portfolio” caught my attention—not just for the headline, but because it echoes what I hear from so many of you. Retirement can already feel uncertain, and when the stock market adds another layer of unpredictability, it's natural to start asking: “What should I be doing with my investments?” Let's explore five strategies—based on that Barron's article and my own experience as a retirement-focused financial planner—that you can use to help protect your retirement income from the ups and downs of the market. 1. Be Realistic About Market Returns The last decade has seen significant growth for the stock market. From 2009 to 2024, returns were some of the strongest in history. But expecting this trend to continue indefinitely could lead to disappointment. In fact, projections from Morningstar suggest that U.S. equities could return just 3.4% to 6.7% annually over the next decade. Compare that to the roughly 20% growth we saw in 2023 and 2024, and it's a sobering reality check. Being realistic doesn't mean avoiding stocks altogether—it means adjusting your expectations and preparing for a range of outcomes. 2. Get Your Asset Mix Right (Based on When You Need the Money) While it may be tempting to invest based on how the market is performing at the moment, Barron's suggests that your personal needs with your investment should be high on the list of drivers in your investment strategy. Your short-term money (needed within 1–3 years) could be in short-term, stable investments. Long-term money (needed 10+ years out) could go toward growth-oriented investments like stocks. Too often, I see people keeping everything in the market when they're just a year away from retirement, hoping for “one more good year.” And sometimes it backfires—just like it did in early 2020 when COVID hit, and the market took a steep dive. Plan ahead. By adjusting your retirement investments 3 three years before your retirement date, you could have more of a buffer, just in case you retire earlier than expected. 3. Diversify and Rebalance It's tempting to stick only with what's worked recently—especially U.S. stocks, which have produced strong returns since 2009. But diversification means having exposure to different areas of the market, including international stocks. And while international stocks have lagged in recent years, 2025 has shown a surprising shift: as of early June, international indexes are up nearly 19%—ahead of the S&P 500's 2% gain. You never know when one part of your portfolio will outperform. That's why it's important not just to diversify, but also to rebalance—systematically adjusting your investment strategy to maintain your target allocation. 4. Maintain a “Goldilocks” Level of Cash Cash can earn some decent interest—around 4% as of 2025. That doesn't necessarily mean you should pile all your money into savings, but it does mean you have the option to keep a portion of your retirement funds in cash or high-quality bonds for short-term needs. How much cash is enough? Many financial advisors recommend keeping 1 to 5 years' worth of withdrawals in cash or short-term investments. The right number for you depends on your retirement timeline, expenses, and risk tolerance. 5. Bolster Other Sources of Income One of the most underappreciated strategies for navigating market volatility is increasing your guaranteed income. That could include: Delaying Social Security to maximize your benefit Maximizing your pension payout, if available Exploring annuities to create additional income streams I know the word “annuity” often brings up mixed feelings.

What's to be The Next Big Thing to generate a narrative this Summer? Apple's recent report wasn't stellar, and absent any astonishing, new developments, the company's growth appears to be stagnant; yet, Apple is not dead. Lance and Danny address the new push to make private equity investing available for "the little guy," and the illusion of limited volatility. Beware the "good deals;" Wall Street will always find something to sell you if you want to buy it. The fallacy of "above average" gains in private equity; you never hear about the deals that go sour. A political sidetrack into the supposed fate of the Big Beautiful Bill and Term Limits. Danny and Lance review a Vanguard report on the average balances of 401k's (beware "average" comparisons!). SEG-1: What Will Be the Next Narrative of the Summer?  SEG-2: The Private Equity Push SEG-3: The Fallacy in "Above Average" Gains SEG-4: How Does Your 401k Compare to National Averages? RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP  Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=fZ-J2YfNC5w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Markets' Trajectory Remains Bullish," is here:  https://www.youtube.com/watch?v=DRzdiS6C1vc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1   ------- Our previous show is here: "Is WW III Off the Table?" https://www.youtube.com/watch?v=aTZR3PEvaxc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "Retirement Blueprint Candid Coffee," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #BullishMarket #BuyTheDip #IranIsraelConflict #WorldWar3 #GeopoliticsAndMarkets #WarImpactOnStocks #GlobalConflict #FinancialMarketsToday #GeopoliticalRisk #StockMarketNews #IranUSConflict #401k #PrivateEquity #PrivateEquityETF #SpaceX #SuperSavers #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

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What steps can you take now to start moving in the right direction of what matters most?In this episode, Jeff and Nick discuss: Trying new, difficult things and bringing value in all areas of business.The power of one-on-one conversations and asking “why”.Praying for guidance and strength in hard times.Picturing your perfect life and taking steps to meet those goals.  Key Takeaways: When all you do is worry, you're not present.Let people know what you do, then put it in God's hands.People of all ages can pour into one another, just as 30-year-olds can learn from 60-year-olds, the reverse is also true.Write out the things in your life that are valuable. Then write down what is priceless. Compare those lists, and talk about them with someone you love. How are you spending your day reflecting on those things?  "You can't sell coaching to somebody. Coaching only works if somebody realizes they have a gap between where they are and where they want to be, and they have a burning desire to do something about it." —  Niko Lorentzatos Episode References: Halftime by Bob Buford: https://halftime.org/books/ About Niko Lorentzatos: Niko Lorentzatos spent his career in the energy industry, most recently as a public company executive, lawyer, and director.  His day-to-day focus was helping solve business problems, but it was the one-on-one discussions with colleagues and friends who wanted to talk about deeper issues or who needed help, whether personal or professional, that were most fulfilling.  During a conversation about purpose and faith, a colleague recommended the book Halftime.  Years later, when Niko left the company after a merger, another colleague mentioned the Halftime Fellows program.  Halftime and the Fellows Program had a profound effect on Niko.  He learned that his passion and purpose lie in helping others find and live out God's calling in their lives.  He now serves as a Certified Halftime Coach and also mentors professionals and social entrepreneurs.Niko and his wife, Jenny, have been married for 23 years and have two adult children, Luke and Rebecca.  Niko serves on the Boards of the HAY Center Foundation, which assists youth in Harris County as they age out of the foster system, and the Houston Area Parkinson Society, which provides programs, support, and services free of charge.  He also serves on the Parish Council of Annunciation Greek Orthodox Cathedral in Houston, Texas. Connect with Niko Lorentzatos:LinkedIn: https://www.linkedin.com/in/niko-lorentzatos  Connect with Jeff Thomas: Website: https://www.arkosglobal.com/Podcast: https://www.generousbusinessowner.com/Book: https://www.arkosglobal.com/trading-upEmail: jeff.thomas@arkosglobal.comTwitter: https://twitter.com/ArkosGlobalAdvFacebook: https://www.facebook.com/arkosglobal/LinkedIn: https://www.linkedin.com/company/arkosglobaladvisorsInstagram: https://www.instagram.com/arkosglobaladvisors/YouTube: https://www.youtube.com/channel/UCLUYpPwkHH7JrP6PrbHeBxw

Much like feeling behind in class, comparing how hard you work to everyone else…

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This episode is Sponsored by Betterhelp Tickets for The Big Baby Tour https://www.whitneycummings.com SHOP: https://whitneycummings.com/index.html#store Thank you to our sponsors!