Podcasts about Consumerism

Is it truly better to give than to receive?Consumerism is at the very core of our nature as human beings. Many of us approach the church as consumers as well, when God intends for us to be contributors.We can all grow our capacity to contribute by looking for opportunities to “do good” every day. What if we began to view our cities, neighborhoods, and communities not just as places to live, but as places where we have been sent?______________________________________________________________________________________________To support this ministry and help us continue our God given mission, click here: http://bit.ly/2NZkdrC Support the show

Flat head syndrome occurs when a baby's head develops a long-lasting flat spot. However, Dr. Peter Taub, a professor of pediatrics, says the deformity isn't a syndrome at all and doesn't cause any neurologic symptoms. He explains what causes it and successful treatments to reshape your child's head. Learn More: https://radiohealthjournal.org/what-you-need-to-know-about-your-babys-flat-head

From improving the patient experience to speeding up protein evolution, artificial intelligence is rocketing the field of medicine into the future. Our experts discuss the many different applications of AI and how we can expect to interact with the technology in the years to come. Learn More: https://radiohealthjournal.org/how-ai-is-thrusting-us-into-the-future-of-medicine

Music, Discussion, Food, and Drink with Ringside and the St. James Chicago Community. Check out the YouTube channel to watch!    Topics: Preach Christ, not Christendom, Rev. Joel Hess Trapped in Consumerism, Rev. Paul Koch What's Wrong? THOSE Christians, Cindy Koch   Thank you:  St. James Lutheran, Chicago   YOU CAN BE A RINGSIDE SPONSOR:  https://www.paypal.com/donate/?hosted_button_id=TZBU7UQQAWEVN   Music: Joel Allen Hess, more on bandcamp Dead Horse One  “I love my man”

This episode we're talking about the genre of Economics! We discuss economic philosophy, Excel spreadsheets, micro vs macro, and more! You can download the podcast directly, find it on Libsyn, or get it through Apple Podcasts, Stitcher, Google Podcasts, or your favourite podcast delivery system. In this episode Anna Ferri | Meghan Whyte | Matthew Murray | Jam Edwards Things We Read (or tried to…) Edible Economics: A Hungry Economist Explains the World by Ha-Joon Chang Poisoned Wells: The Dirty Politics of African Oil by Nicholas Shaxson Cobalt Red: How the Blood of the Congo Powers Our Lives by Siddharth Kara Communism for Kids by Bini Adamczak Talking to My Daughter About the Economy: or, How Capitalism Works—and How It Fails by Yanis Varoufakis, translated by Jacob Moe Other Media We Mentioned Soccernomics by Simon Kuper and Stefan Szymanski The Age of Surveillance Capitalism: The Fight for a Human Future at the New Frontier of Power by Shoshana Zuboff Utopia for Realists: How We Can Build the Ideal World by Rutger Bregman King Leopold's Ghost: A Story of Greed, Terror, and Heroism in Colonial Africa  Adam Hochschild The Colour of Magic by Terry Prachett “Perhaps there is something in this reflected-sound-of-underground-spirits? It was a cumbersome phrase. Rincewind tried to get his tongue around the thick syllables that were the word in Twoflower's own language. What Is to Be Done? Burning Questions of Our Movement by Vladimir Lenin (Wikipedia) Links, Articles, and Things If Books Could Kill - Freakonomics Fear the Boom and Bust: Keynes vs. Hayek (YouTube) Fight of the Century: Keynes vs. Hayek - Economics Rap Battle Round Two Peter Singer (Wikipedia) Unspeakable Conversations: Harriet McBryde Johnson on debating Peter Singer “He insists he doesn't want to kill me. He simply thinks it would have been better, all things considered, to have given my parents the option of killing the baby I once was.” If Books Could Kill - Rich Dad Poor Dad Saltwater and freshwater economics (Wikipedia) Nobel Memorial Prize in Economic Sciences (Wikipedia) Another normal day of mining in Africa (Reddit) Belt and Road Initiative (Wikipedia) Report exposes solar panel industry Uyghur forced labour links Ouija (Wikipedia) Chinchilla (Wikipedia) Social media is doomed to die (The Verge) Reddit: Antiwork Reddit: Late Stage Capitalism 25 Economics books by BIPOC (Black, Indigenous, & People of Colour) Authors Every month Book Club for Masochists: A Readers' Advisory Podcasts chooses a genre at random and we read and discuss books from that genre. We also put together book lists for each episode/genre that feature works by BIPOC (Black, Indigenous, & People of Colour) authors. All of the lists can be found here. Lords of Finance: The Bankers Who Broke the World by Liaquat Ahamed Get Good with Money: Ten Simple Steps to Becoming Financially Whole by Tiffany Aliche Good Economics for Hard Times: Better Answers to Our Biggest Problems by Abhijit V. Banerjee and Esther Duflo Consumed: On Colonialism, Climate Change, Consumerism, and the Need for Collective Change by Aja Barber The Whiteness of Wealth: How the Tax System Impoverishes Black Americans—And How We Can Fix It by Dorothy A. Brown 23 Things They Don't Tell You About Capitalism by Ha-Joon Chang Edible Economics: A Hungry Economist Explains the World by Ha-Joon Chang Extreme Money: Masters of the Universe and the Cult of Risk by Satyajit Das The Reconciliation Manifesto: Recovering the Land, Rebuilding the Economy by Grand Chief Ronald Derrickson and Arthur Manuel Wolf Hustle: A Black Woman on Wall Street by Cin Fabré Build the Damn Thing: How to Start a Successful Business If You're Not a Rich White Guy by Kathryn Finney Winners Take All: The Elite Charade of Changing the World by Anand Giridharadas Indigenomics: Taking a Seat at the Economic Table by Carol Anne Hilton The Revolution Will Not Be Funded: Beyond the Non-Profit Industrial Complex edited by Incite! Women of Colour Against Violence Upholding Indigenous Economic Relationships: Nehiyawak Narratives by Shalene Wuttunee Jobin How We Can Win: Race, History and Changing the Money Game That's Rigged by Kimberly Jones The Sum of Us: What Racism Costs Everyone and How We Can Prosper Together by Heather McGhee Collective Courage: A History of African American Cooperative Economic Thought and Practice by Jessica Gordon Nembhard Can't We Just Print More Money? Economics in Ten Simple Questions by Rupal Patel The Black Tax: The Cost of Being Black in America by Shawn D. Rochester Karl Marx's Ecosocialism: Capital, Nature, and the Unfinished Critique of Political Economy by Kohei Saito The Wisdom of Sustainability: Buddist Economics for the 21st Century by Sulak Sivaraksa Decolonizing Wealth: Indigenous Wisdom to Heal Divides and Restore Balance by Edgar Villanueva The Great Economists: How Their Ideas Can Help Us Today by Linda Yueh Creating a World Without Poverty: Social Business and the Future of Capitalism by Muhammad Yunus Give us feedback! Fill out the form to ask for a recommendation or suggest a genre or title for us to read! Check out our Tumblr, follow us on Twitter or Instagram, join our Facebook Group, or send us an email! Join us again on Tuesday, May 16th we'll be talking about some old genres we've covered and whether we'd read them again. Then on Tuesday, June 6th we'll be discussing the genre of Fantasy! 

Many of us feel a profound lack of freedom in our lives. This can be especially true for young people, who often feel forced to choose paths that are defined by outside forces and societal expectations. On this episode, Miami University associate professor of Kinesiology  Jay Kimiecik is back, along with college student and Miami senior Alexandra Leurck ‘23, to share some personal stories and experiences about how finding our “feel” can lead to more freedom and fulfillment. To hear more about finding your feel, listen to part one of this series. Or check out the new book, Exploring the Concept of Feel for Wellbeing and Performance.

Architectural Horror and VaporwaveSupport Night Clerk Radio on Patreon In this episode, we delve into the topic of architectural horror and its connection to vaporwave and other genres of haunted music. We explore the shared themes of disorientation, nostalgia, and the uncanny in both genres, uncovering the ways in which they use visual language, liminal spaces, and atmosphere to evoke powerful emotions and discussions about consumer culture, capitalism, technology, urban decay, and the complex interplay between our environments, our memories, and our psychological states.Music Samples核雪 by CT57 CreditsMusic by: 2MelloArtwork by: Patsy McDowellRoss on TwitterBirk on TwitterNight Clerk Radio on Twitter

Dr. Jason Ryder, an adjunct professor of chemical and biomedical engineering, says humans weren't designed to eat this much sugar every day. Many alternative sweeteners have tried to solve this sugar dilemma, but Ryder believes the best solution can be found in plant proteins. Learn More: https://radiohealthjournal.org/kitchen-chemistry-sweet-proteins-may-be-the-future-of-sugar

What if your child handled money the way you do? Would that make you afraid or grateful? On this weeks show, financial author Matt Bell talks about his new book, Trusted: Preparing Your Kids for a Lifetime of God Honoring Money Management. The guys talk about: Consumerism vs. stewardship The link between gratitude and generosity Money and work ethic Allowances…should we give them or not? The endgame of money management for your kids Is there room for improvement on what your teaching your kids about money? This is a great place to start! https://www.amazon.com/.../dp/1646070755/ref=mp_s_a_1_3...

Supermarkets stock thousands of food products flown in from all over the world. And we've become used to this bounty of choice, often at the cost of the environment. But what is driving this excessive food consumption and how can we make better food choices? (This episode has been republished and updated).

Acid Tongue - Consumerism a 2023 self-released single. It's been two years since Seattle garage rockers Acid Tongue released their third full-length Arboretum, which came about as frontman Guy Keltner came to terms with drug and alcohol abuse, as well as his struggles with his bipolar diagnosis, during the pandemic. Keltner and co-frontman Ian Cunningham detailed the making of the record as well as their personal experiences on Sound & Vision in 2021. Our Song of the Day is the latest release we've gotten from Acid Tongue since then, the anti-capitalist/nihilist anthem “Consumerism.” Over the thrumming guitar rhythm, the message relayed by Keltner is clear. No matter how or what you consume, we're all consumers. Be it eating too much, drinking excessively, consuming cheap drugs, or “digital love” (I think we all know what means), they're all easy forms of escape through consumption. “Every day I consume more,” softly cries Keltner. “Can you tell me what it's all been for?/ Cheap drugs and digital love/ I never know when enough's enough.” Below, watch the video for “Consumerism,” directed & edited by James Kimberling, and read the full post at KEXP.org.Support the show: https://www.kexp.org/donateSee omnystudio.com/listener for privacy information.

In honor of Earth Day this week, I'm joined by Dr. Susan Payrovi to discuss the connection between our health - both physical & mental - and clutter! We'll share about our recent February Clear experience, important ways our health and the health of our planet are deeply connected, how to claim and reclaim items we already have, yet aren't really using, how to clear the excess items that we really don't need, and how to cut down on all extraneous consumerism through our upcoming May Decluttering & Buy Nothing challenge. You'll also learn some fascinating statistics around clutter, and why we, as a society, struggle with it so much! Listen in - and join us starting Monday, April 24th at 9amPT/noonET on Instagram (and hopefully FaceBook too!) as we kick off our May challenge alongside others in our shared MS community. Together, we will declutter our way to better health! patreon.com/MSflock MyMSflock@gmail.comConnect with us on InstaGram: @TrueMedicineMS @simplelife.healthcoach @lalik_health_wellness podcast @myMSflock Connect with us on Facebook: True Medicine MS, Lalik Health Coach, Simple Life - Health Coach, MS.Understood Podcast

We see natural flavor listed as an ingredient in many of our products, but what does that mean? Dr. David Andrews explains the process of creating natural flavors, the FDA guidelines, and how safe they are for consumption. Learn More: https://radiohealthjournal.org/kitchen-chemistry-natural-flavors-how-natural-are-they

What better way to celebrate 99 episodes of The Meaning Project Podcast than with a chat with our friend, Rabbi B. But this isn't any chat. We been talking for a long time about doing "something big" - and now it's time to take action. So, in this episode, we start planning and sharing - under the guise of a normal B & D chat about Logotherapy. Part logotherapeutic goodness, part hints and teases about things to come, I hope you enjoy!To support your favorite podcast on Mental Health & Meaning, pick up some meaningful The Meaning Project Podcast merch in our store at https://the-meaning-project-podcast.creator-spring.com/And finally, if you would like to support our efforts to improve the podcast and maybe even connect with Dr. Dan in different ways, become a Patron on our Patreon page at: https://www.patreon.com/themeaningprojectpodcastTo contact Dr. Dan go to www.DanielAFranz.com

Red Sox 7 games in - suck or na? Boston sports fans are getting pissed - AI and Consumerism

Brian regales us with stories of his insatiable need to consume by walking through all the sings he bought and acquired during his trip to Adepticon 2023.

Consumerism is being promoted at an all time high and there are a variety of products marketed towards you all day, every day. This week Trin shares products that you don't need to buy in order to protect your wallet and the planet. You DO NOT need aesthetic products to be that girl , you dont need an aesthetic water bottle, you don't need an aesthetic journal to have a gratitude practice or a matching workout set to go to the gym.The Wellness Cafe Video PodcastThis episode is sponsored by Atheltic Greens, head to athleticgreens.com/wellnesscafe to shopJOIN OUR HGW GROUP CHATSUBMIT TO THE WELLNESS CAFE:- be featured on the next community EP- ASK TRIN!! Advice Session Form FOLLOW TRIN:IG @trinitytondeleirIG @thewellnesscafepodTikTok @trinitytondeleirYoutube: trinity tondeleir

Consumerism is being promoted at an all time high and there are a variety of products marketed towards you all day, every day. This week Trin shares products that you don't need to buy in order to protect your wallet and the planet. You DO NOT need aesthetic products to be that girl , you dont need an aesthetic water bottle, you don't need an aesthetic journal to have a gratitude practice or a matching workout set to go to the gym.The Wellness Cafe Video PodcastThis episode is sponsored by Atheltic Greens, head to athleticgreens.com/wellnesscafe to shopJOIN OUR HGW GROUP CHATSUBMIT TO THE WELLNESS CAFE:- be featured on the next community EP- ASK TRIN!! Advice Session Form FOLLOW TRIN:IG @trinitytondeleirIG @thewellnesscafepodTikTok @trinitytondeleirYoutube: trinity tondeleir

Nekirah talks about her Experiences with Fashion and Consumerism during her pageant tenure while trying to keep up a minimalist lifestyle.

Stephanie Nosco joins Mason for another instalment of our Five Element seasonal series. Today we're exploring the Earth Element and Yi; the Spirit of the Spleen. In this insightful conversation Stephanie shares the simple lifestyle measures we can take to nourish our Earth Element and allow our Yi to express freely. The Spleen/Earth Element corresponds to the practical magic of our daily toil, when harnessed with intention and care, this is the energy that allows us to anchor our visions and materialise them into tangible form. Yi is at the centre of this manifestation process. Yi is intercepting medium between what is of the heavens (Yang) and what is of the earth (Yin). Yi enables us the ability to reduce our projects into achievable bite sized tasks, think the methodical magic of a well written to do list. In relation to the seasonal cycle, Yi and the Earth Element are connected to Late Summer, the period that follows the Yang of Spring/Summer and precedes the descent into the Yin of Autumn/Winter.  This energy is characterised by digestion; whether that be on the physical, mental, emotional or spiritual planes. Yi governs intellect and applied thinking; processes that allow us to make sense of our experience through the organisation of thoughts and feelings. Yi is heavily interconnected with the Shen (cognition and clear thinking) and Hun (higher vision/planning), when all 3 are working in harmony we are more equipped to live our lives on purpose, devoting the chop/wood carry water of our daily actions to the embodiment of our destiny, and the establishment of a legacy that will exist beyond our physical form.   Mason and Stephanie discuss: - Yi, the Spirit of the Spleen. - Moving Earth; using the Five Elements to create bonds and boundaries. - Writing a to do list as a spiritual act.  - Pacifying overwhelm with celebration. - Bringing dreams into fruition and the energy or I vs we; individuation vs unity. - Navigating the upper, middle and lower worlds with Wu Shen. - Devotion and legacy; the relationship between the Fire and Earth elements. - Using Spleen energy to bring yourself back into centre. - The diaphragm; embodying Heaven on Earth through breath. - Rumination, knotted Qi and Damp Spleen. - Consumerism and Spleen imbalances. - Lifestyle tips to consider when working to nourish the Spleen/Earth Element.   Resource Guide Guest Nosco Yoga Stephanie's Instagram Stephanie's Facebook Yin Yoga Teacher Training  Stephanie's YouTube channel   Mentioned In This Episode Mantak Chia Lorie Dechar   Relevant Podcasts Shen, The Heart Compass and Fire Element with Stephanie Nosco (EP#185) The Wu Shen and Alchemy Vs Ascension with Stephanie Nosco (EP#123) Calm Mind, Joyful Spirit: The SHEN blend with Mason and Tahnee (EP#91) How To Eat In Spleen Season with Kimberly Ashton (EP#151) Check Out The Transcript Below https://www.superfeast.com.au/blogs/articles/yi-spirit-stephanie-nosco-ep-186  

You might be surprised to hear some of the details about the advent of the shopping cart, but even as casual as our relationship with the basket on wheels is, it has had a profound affect on retail shopping. As omni-present these devices are, they may have never got off the ground if not for some quick thinking by a supermarket owner in Oklahoma City! Our sponsors:  jandjpoolsafety@gmail.com katchakid.com Music: The Right Direction by Shane Ivers Martin Mountain Coffee: Small Batch Roaster for an Artisan Cup of Coffee! Check out Martin Mountain Coffee's signature Within The Realm Blend "Story Teller's Roast!" Contact Us! Facebook: @withintherealm1 Twitter: @realm_within Instagram: within_the_realm contact@withinpodcast.com WTR intro: Sweat Shirt (S. Garrett) WTR outro: Baby Boy (S. Garrett) Incidental music: The Ghost of Shepard's Pie by Geoffrey Burch Want to advertise, sponsor or otherwise support Within The Realm? Visit with us at contact@withinpodcast.com or Support Within The Realm 

Not all scientific discovery is on purpose. In fact, many important breakthroughs were by accident, like insulin and x-rays. Our experts discuss why we should look at failures as a starting point rather than the end of the road. Learn More: https://radiohealthjournal.org/happy-accidents-in-science-that-created-the-products-we-use-every-day

Episode: 2543 Clara Adams: 150,000 miles of maiden flights.  Today, Clara Adams flies.

Consumerism is about giving the customer what they want. Compassionism is about giving someone what is best. When consumerism moves into realms such as medicine, schools or even the church, we become more focused on avoiding offense, favorable surveys, and especially money! Dr. Jonny explains that Jesus was “moved by compassion.” He was internally and spiritually motivated to serve others and transform them into their best and healthiest lives.

Your spending can change the world. How you spend your money makes a difference. Conscious consumerism, if done by enough people, can make huge leaps toward solving our current climate crisis.Businesses have the biggest impact on the climate, but consumers are the reasons behind their choices. We speak and vote with our wallets. Business-as-usual practices will persist if they see no benefit to change. Once they see consumers demand sustainability, the rest will follow.  In this episode, Cathryn Peirce dives into how something as everyday as our credit card transactions can change the world. As the co-founder and CEO of Carbon Zero Financial, she helps consumers realize the carbon footprint of their purchases and start taking action. Join us as Cathryn talks about Carbon Zero Financial's mission to simplify carbon-neutral living and make it the new standard. If you want to learn more about reducing your carbon footprint with your purchases, tune in to this episode now!3 reasons why you should listen to the full episode:Learn how your purchases and transactions can be the solution to climate change. Find out how we can change consumption habits towards sustainable alternatives. Discover how Carbon Zero Financial works, improve your spending habits and link you to a sustainable marketplace. Episode Highlights[02:35] Cathryn's Journey [04:16] Behavior Change and Carbon Zero Financial  [05:33] The Power of Your Spend and Carbon Zero Financial [08:25] Carbon Zero for Small Businesses [11:22] What is Carbon Sequestration [14:29] How to Think About Carbon Impact [15:43] Change is Possible [18:57] How Carbon Zero Financial Works [22:54] Cathryn's ReminderResourcesLearn more about Carbon Zero FinancialConnect with Cathryn: Website I LinkedIn I Instagram I Twitter I Email  Connect with Christina Sjahli: LinkedIn Find out about Profit Reimagined: LinkedIn | Website Enjoyed This Podcast?Write a review and share this with your friends.Connect With the Profit ReimaginedReady to transform your purpose into an impactful business financial story, profit, and joy? Schedule a chat with the team at any time.

Thousands of Alzheimer's research papers have cited a 2006 study as a basis for their work. Unfortunately, that paper is now under investigation for research misconduct. Dr. Matthew Schrag, the whistleblower of the alleged falsified paper, explains the issue and what it means for future research. Learn More:  https://radiohealthjournal.org/research-misconduct-the-growing-issue-of-data-integrity-in-science

If I become wealthy, will I end up buying too much stuff?   I've spoken to many women before who have shunned the idea of becoming wealthy because they just don't desire all of the typical trappings of that success: the walk in closet lined floor to ceiling with designer heels, the fleet of luxury cars on the driveway, spoilt kids who have everything and somehow still aren't satisfied.   There's a real picture of success we can paint there, right?  Or should I say, it gets painted for us ;)   So does tuning into abundance - and in particular - financial abundance, mean that we'll all become consumerist douchebags and so it's better that we lower our sights and goals?   Is it better for planet earth if we all find a way to make do with less?   If we run away from mindless, empty consumerism, what should we run towards? On today's show we're discussing all of this and more.   It's really easy for this topic to become very polarised, but I'm here with a third way.  A way that I think can be the antidote to consumerism without us having to embrace austerity and restrictive frugality.   Plus I give you a very powerful reminder of the truth about what you - yes you, my love - could or would do with scads of money.   Ready for an expansive conversation?  Let's do this.   If you want to go even deeper with the energy of money, check out Limitless Money here: https://corijavid.com/limitless-money/    The Elevated Abundance Mastermind is open for applications here: https://corijavid.com/elevate   

❇️ Michael E Smith PhD joined HCD's MindSet to share his journey in both academia and industry studying the brain, business, and consumers. Kathryn and Michelle chat with Michael about the evolution of the neuromarketing field, the intention-action gap in the shopping experience, and if brands can make authentic changes to their approach to sustainability. #memory #consumerneuroscience #sustainability Meet our guest! Michael E. Smith is an applied neuroscientist and consumer insights professional, with over three decades of experience in basic and applied research in the human brain and behavioral sciences. He serves as Principal Scientist at Adaptation Research, a strategy consultancy focused on developing brain-based insights into sustainable human behavior, and is author of the recent book “Inspiring Green Consumer Choices: Leverage neuroscience to reshape marketplace behavior” (2021, Kogan-Page, London). Previously Michael served as Vice President of Consumer Neuroscience at the market leading research firm Nielsen (now NielsenIQ); President of CorTechs Labs, a software company focused on commercializing AI-based quantitative brain imaging tools for precision medicine; Program Director for Cognitive Neuroscience at the US National Science Foundation; and Principal Neuroscientist at SAM Technology, a groundbreaking R&D organization focused on neuroscience R&D targeting problems in neurology and human factors engineering. He has also served in research and teaching positions in a variety of academic settings. Michael earned a PhD with a focus on the neuroscience of cognition from UCLA and an MBA with a focus on marketing from UC Berkeley. Extra Information: Inspiring Green Consumer Choices: Leverage Neuroscience to Reshape Marketplace Behavior Be sure to give us 5 Star rating, leave a review, or subscribe to your preferred method of listening. Don't forget to also follow us on any of our social media platforms listed below. Kathryn on LinkedIn Michelle on LinkedIn HCD Research Website MindSet Website Page Sign up for HCD Newsletter Our Socials YouTube - @HCDResearchInc. LinkedIn - @HCDResearch Twitter - @HCDNeuroscience Twitter - @HCDResearchInc Facebook - @HCDResearch Instagram - @HCDResearch MindSet is excited to have each and everyone one of you join our curious conversations! --- Send in a voice message: https://anchor.fm/mindset-hcd-research/message

People with ADHD often have a weaker perception of time, called ‘time blindness.' Though tardiness is usually interpreted as irresponsible, those suffering from time blindness simply don't have any sense of time. Experts discuss the condition and give helpful tips on how to improve time management skills. Learn More: https://radiohealthjournal.org/always-running-late-you-may-be-a-victim-of-time-blindness

The FDA has granted emergency use authorization to Lucira Health's combined Covid-19 and flu at-home testing kit. In just thirty minutes it can detect whether you're positive or negative for Covid, influenza A, and influenza B. Dr. Emily Volk explains the EUA status and how to properly use this new test. Learn More: https://radiohealthjournal.org/new-test-can-detect-both-covid-19-and-the-flu

Welcome to the Adams Archive, where the unspoken truths of society are uncovered and explored with passion and precision. Host Austin Adams dives deep into controversial topics that will make you question the very fabric of our world. In this groundbreaking episode, Austin investigates the American banking system and its unnerving implications for the future of the nation. Delve into the intricacies of fractional banking and discover how this seemingly innocuous concept has evolved into a far more sinister reality. Austin takes listeners on an intellectual journey that starts with the collapse of Silicon Valley Bank and leads to an examination of the Federal Reserve. With the aid of Edward Griffin's "The Creature from Jekyll Island," the podcast unravels the complex history and mechanisms behind modern banking practices that affect every aspect of our lives. As Austin navigates this labyrinth of information, he pursues an interview with Griffin himself to provide even greater insight into the hidden world of banking. If you're ready for a mind-blowing exploration of the financial system and its consequences, join Austin Adams in the Adams Archive for this eye-opening episode. Subscribe, leave a five-star review, and share your thoughts on this crucial issue. Find additional resources, articles, and videos at austinadams.subs.com, and prepare to have your perspective transformed. The Adams Archive is more than just a podcast; it's an invitation to challenge the status quo and uncover the astonishing truth about the world around us. Join the substack, follow our social media and more at https://linktr.ee/theaustinjadams   Full Transcription:  Hello, you bu to full people. My name is Austin Adams, and welcome to the Adams Archive. Today's episode is going to absolutely blow your mind. I have been diving deep into this topic over the past several, several days, and I can tell you I have never been more concerned for the future of America as I am now. Now, this is not about trafficking. This is not about politicians. This is not about, this is about the American banking system. Okay? Now, that may not sound very enticing to you, but once we get into this topic to the depths that we are going to today, You're gonna realize what I'm talking about. Okay. Now, what prompted this for me was looking into the Silicon Valley Bank collapsing. Okay? Now, that prompted me to figure out what the hell fractional banking is Figuring out fractional banking led me to realize that that is no longer the concept that we operate off of. No matter how scary fractional banking itself is, what we have today is even worse. Now. That drove me down a rabbit hole to figure out how we got to a point where fractional banking was even possible, which led me to learn all about the Federal Reserve, to learn about the Federal Reserve. There was a book that was written, and we will go over some of the highlights called The Creature from Jekyll Island. . Okay, now, that book beautifully written, um, there's some really good, uh, really, really good, uh, lectures online by, uh, Edward Griffin, and I'm gonna see if I can get him on the podcast. I messaged him today to see if, uh, maybe he can come on here and explain these things a little bit better than I can. But he's very, very brilliant. You should go listen to these lectures. They'll be included in the ck All right. If you're not in the CK already, go to austin adams.subs.com. You can sign up, you'll get all the articles, all the videos, all of the ish that we are talking about here today. All right. So without further a. Well maybe wanna do subscribe? , leave a five star review. All right. Tell me what you like about the podcast. Tell me what you learned about, uh, fractional banking, which again, doesn't sound very enticing, but promise you after you figure out everything that I figured out, your mind's gonna be blown. All right, so without further ado, let's jump into. The Adams Archive, the very first subject to today's podcast is going to be on the collapse of S V B. Okay, now, SVB is the Silicon Valley Bank. Silicon Valley Bank, obviously located in Silicon Valley, basically sent shockwaves through the entire tech industry. And that was right about a week ago, right? A few, not even a few days ago. All right. Through Wall Street, through Washington, everybody was shocked by what happens. Regulators have since shut down the bank to prevent a crisis in the broader banking system. Just days after another bank, signature bank was abruptly closed as well. Silicon Valley Bank, which provided banking services to nearly half of the country's venture capital backed technology and life science companies made this very the same mistake as many other banks. It invested most of its deposits in long-term debt like treasury bonds, promising steady, modest returns. However, the strategy proved shortsighted when the Federal Reserve looking to combat rapid inflation, started raising interest rates, making these once safe investments, far less attractive. All right. Silicon Valley Bank was also el uh, uniquely vulnerable due to its business being concentrated in the tech industry, which was experiencing a rapid decline in startup funding. As a result, its clients started to withdraw their money, and once some people started drawing their money, other people started withdrawing their money causing what they call a bank run. All right, now a bank run, so you have some terminology behind this. A bank run is basically when everybody starts to go line up outside of the banks, asking banks to give them the very money that they worked so hard for, the very money that they sweat bled, worked their asses off weekends over time to feed their children. Okay? And we'll learn about that fractional banking, which some of this has already alluded to already, which is terrifying, like I said. Okay, so now the collapse of Silicon Bank is the largest, since the 2008 financial crisis, the very largest bank to do so since. , which again, is only gonna get worse as people realize that our banking system is built on a house of cards. Just a little whistle in the wind will cause our entire financial system to collapse. All right, we're gonna talk about today some things like what is money, right? Why is it even hold value? Which is probably the most fundamental question that has one of the most concerning answers. Um, as you've noticed recently, I've been using the AI chatbot chat. G p T pretty consistently came out with their fourth generation of it today. Um, it's pretty incredible technology, but it helped me along the way doing some of these calculations to actually figure out what it would cause for the American financial system to collapse. And that's some of the things that we're gonna discuss here today. I'll go through those calculations with you. All right. It highlights the dangers of fractional reserve banking. When banks invest most of their deposits, they create more money than they hold in reserves, leading to a precarious situation where a loss of faith in the bank can trigger a run on deposits. In such cases, the bank makes gains privately, but losses are socially distributed. That's what you have to realize about this. When a bank is doing well, they profit ungodly amounts of money. When things aren't going well for a bank, you know who foots the bill? You and me, the American public foots the bill when they get bailed out by our government. So things are going great. They profit, you'll make a dollar. Well, maybe you make, you know, 2 cents off of every a hundred dollars that you have in your bank account based on interest. But when things are going great for the banks, they're not coming to you to pay you out dividends, right? But when things are going horribly bad,  and the government decides to bail them out. You know who pays that bill? And we don't even really pay it. And that's what I've realized from learning all of this. We don't even really pay it. We pay it through inflation. We pay it through the fictitious magical creation of money, which has no value unless we decide that it does again, which we'll talk about in a minute. So fractional Reserve banking to me is theft. It is a entity taking your money and putting it in as many places as possible so that they can continue to make money. They can give out loans with it. They can do all of these things, but the second you come ask for your money, while you and maybe your neighbor and a few other people at the same time, they don't have it. Cuz it's often these fictitious little places that they're hoping to make interest based on the fact that you're never gonna come ask them for it. At the same time. Right before the Great Depression, the US dollar was backed by gold. That ensured that the money in the economy was backed by something physical, something tangible, right? When something is backed by something, a commodity like gold or silver, right? Or even Bitcoin, right? If you understand how this works, right, the, the way that gold is created, gold is a, gold is a specific element that is created. And forgive me, I'm not a damn science teacher over here. Got a beer in my Yeti. So the way that gold is created is the earth puts together certain amounts of carbon. And when you get the perfect alignment of these, these elements, right? It creates what we know today is gold, right? Not fool's gold. Not all these other renditions of this potential possibility, but actual physical gold as we know it today, is a specific type of gold. Okay. Now that gold is minted, right? The, the earth had to have all of these situations happen simultaneously and in the proper way perfectly to cause gold to be created and to be in your hand the way that it can be today. Okay? That's what happens, right? The, the, the earth has a mathematical equation of circumstances and pressure and whatever the hell else it is, and then gold is physically created and minted by the earth. Okay? Something like, think of it, if you know anything about cryptocurrency, think of it like Bitcoin, right? Bitcoin ha has a computer that is working nonstop to create a bunch of algorithms and calculations to try to decrypt a or or mine a Bitcoin, the same way you mine gold. And eventually, after so many algorithms, so many computers are working to do this, one unlocks a Bitcoin and that creates scarcity. There's only a certain amount of bitcoins that are being created on a general basis. There's only a certain amount of gold that is being. By the earth at any given time, that scarcity gives it value, right? So during the Great Depression, our money was backed by gold. After the depression, the US abandoned the gold standard and became a fiat system. Okay? Fiat currency is not backed by anything at all. No assets, no commodities, right? And the fact that Silicon Valley Bank had basically uninsured depositors highlights the need for money to be backed by something physical like gold. And that ensures that depositors money is protected. It is being held physically somewhere to show that that piece of paper that you have is attached to a certain amount of, of physical minted developed by the earth gold or even Bitcoin, right? It has some sort of, of, of, uh, built-in scarcity.  that drives value, right? There's not, there's not an unlimited amount that can be created at the whim of any American who wants to profit based off the central banking system, which again, we'll learn more about in a minute. We're gonna learn a lot today. Um, the collapse of Silicon Valley Bank and Signature Bank underscores the need for tighter banking regulations, right? We've seen several, several things that have happened, right? Like, um, some regulations that were rolled back in 2018 under Donald Trump, right? Some banking experts believed that Dodd-Frank Financial regulatory package intended to prevent such collapses and could have stopped this bank from handling its interest rate risks, um, had it not been rolled back, which is some opinions, but the bigger problem, the biggest issue. When we talk about fractional banking, which again, I'll pull up here. Let, I'll, I'll talk you through it. Lemme just go through this article with you. The collapse of these banks that says has prompted a swift reevaluation of the Fed's interest rate increases. On Monday. Smaller banks rushed to en reassure customers that they were on firmer financial footing, but shares of US regional banks plummeted. The b W Bank Index, which tracks the performance of 24 major banks, fell 10%, erasing nearly 200 billion of value of the banks. In the index, it says, the collapse of Silicon Valley Bank in Signature Bank highlights the dangers of fractional reserve banking and the need for money to be backed by something physical. The follow of these collapses underscores the need for tighter banking regulations to prevent such collapses and ensure the stability of the financial system. Okay, let's talk about it. What is fractional banking? Okay. Fractional banking was the cause of what happened with svb. Right. What is fractional banking? Fractional banking is the idea that if you deposit a hundred dollars into a bank, the bank can take $90 of that 100. Hold onto the remaining 10, which was the standard prior to 2020. The standard prior to 2020 was that the banking system had to hold 10% of the overall val value in reserves. Now, that changed, but even with 10%, think of it this way, if you handed the, gave the bank 10 a hundred dollars, right? Let's say 10 people gave the bank a hundred dollars, right? They gave out 900 of that thousand dollars. Of the 10 people's a hundred dollars, which leaves them with one $100 bill. The other 900 they gave away to other people in the hopes of making interest in the future. So when two people, just two people go to the bank at the same time and say, I want my a hundred dollars. give me all of my $100 that I gave you. That is $200 that they're asking for. One of those people is not getting any of their money, or at least both of them are getting half of it. They don't have it. They don't even have it for two people, let alone the full 10 people that gave 'em a hundred dollars. Right? If just two people went and asked the bank for this money back, they would not be able to do it, right? 20% in this case. Now what we realize, it is far, far worse than that. In the real world scenario. What we realize, excuse me. What we realized is that in 2020 it was changed from 10%. Just 10% of the money in your banks had to be held onto by the, by the reserves, by the bank, just 10%. In 2020. During Covid, they changed that percentage. To 0%. None of it did they have to hold onto none of it in reserves. 0%. Not 1%, not 2%. 0% of your money has to be held by the bank in reserves. 0%. That is astonishing. There is no federal regulations at all now that say that the bank has to hold any of your money for withdraws. Right. What they are dependent on is if everything collapses, then the F D I C, the Federal Something Insurance Commission, will basically has insured each each value of each customer up to $250,000, which again, we'll find out, is a complete farce. What a terrible word. Farce is a terrible word. It's like, I don't even like to say it. It's like saying fart farce. I don't know. Anyways, FARs is a complete, FARs is bullshit. There's nothing there for you to take in. So, so when two of those people in that scenario that I gave you, go to the bank and ask for their money back, and somebody's going to walk away with no money, so, so one person gets their a hundred dollars out, the second person goes and asks for 10 of it, just 10 of it. Now that person realizes that the bank does not have their money. They start talking to their friends, you know who their friends are. The other eight people in this scenario who gave the bank a hundred dollars. Now you have all other eight people, nine people in total going to the bank saying, I want my money back. But the bank has none of it. They don't have to hold onto any of it. And the scenario is actually far worse than that in today's world. After 2020 and that legislation changed. The scenario is now anybody goes to the bank and starts to ask them for that money back. They don't have to hold onto any of it. That my friends is fractional banking. And it scares the shit outta me, and it's not even fractional anymore. There's no fraction. The fraction's gone. It's fictitious banking. That's what it is. It's no longer even fractional, which was horrible. It's far, far worse. Okay. Do you wanna know how fragile our entire banking system is here in the United States? Here is the most terrifying thing that you will hear today. Okay. Chat, G P t concluded that if 2% of Americans, 2% of Americans decided to withdraw their money from the bank, at the same time, it could have a high potential of causing a collapse of the entire banking system that as we know it today, the entire banking system as we know it today, just 2%, two out of a hundred people, two out of a hundred people went to their bank right now. This concluded and calculated. The entire banking system could collapse. So again, it's far worse than that scenario that I gave you and let me walk you through how it got to that. Okay. Chat. G p T said we can try to make a rough estimation based on some data points. Okay. Now I had to do some finagling to give, actually give me this cuz I didn't wanna gimme this answer. It says, first it's essential to understand that the reserve requirement being 0% means that banks are not required to hold a specific percentage of their deposits as reserved. However, it doesn't mean the banks hold no reserves at all, right? They still maintain some reserves. Doesn't give you an amount cause it can't, to manage day-to-day transactions and withdrawals day to day, not week to week, not month to month, day-to-day. The amount of their reserves varies by bank. It depends on the bank size, number of clients, and other factors. To estimate the percentage of people required to cause a nationwide banking collapse, we need to consider the amount of money held in deposits and the amount of reserves held by banks. According to the Federal Reserve, as of September, 2021, the total amount of money in the deposits in the US banks was around 17 trillion. Okay. Assuming that these banks still maintain some reserves, assuming that they maintain some reserves, it says, let's calculate, based on 2% of their deposits are held as reserves. This would amount to approximately 342 billion in reserves. If depositors were to withdraw their money in such a way that bank reserves were insufficient to cover the withdrawals, it could potentially trigger a banking collapse, right? That's the other eight people, nine people going to the bank and saying, I want my money, because the other, the second person went there to ask for it, and it wasn't there to find the percentage of people who would neither withdraw their funds to cause a banking collapse. We can use the following formula. Reserves divided by deposits times 100 equals the percentage of people. Okay, so we take that 342 billion, right of the 2% seven. Divide that by the 17.1 trillion. Multiply that by 100, it gives you 2%. It says, based on this rough estimation, if around 2% of people in the United States simultaneously withdrew their their money from the banks, it could potentially cause a nationwide banking collapse. Says, however, this is a highly simplified calculation. Does not take into account many factors such as the variation in reserve levels among the banks, the distribution of deposits, and the possibility of banks borrowing money from other sources to cover withdrawals. Additionally, the Federal Reserve Act as a lender of last resort and can provide emergency funds to banks facing a liquidity prices which could prevent a collapse. Okay? Now what it goes on to say is that in summary, it's difficult to provide a precise percentage of people required to cause a nationwide banking collapse due to 0% fractional reserve requirements. However, based on this rough estimation of 2% of people with through their funds, it could cause a banking crisis. Um, it says that reme to remember that the Federal Reserve could intervene to prevent a collapse. Oh, don't, don't worry about anything. The Federal Reserve is here to save you. It's not gonna collapse when the Federal Reserve is here. What is the government's got our back. Hmm. Is the Federal Reserve a part of the government? No, it is not. It's a mixture being overseen in some way, shape, or form by Congress. But we even find out that that's not true. But it was, and you can read all about this in the Creature from JE Island, but we're gonna get into it now. Okay. The Federal Reserve has absolutely nothing, was not founded by the government. You want to know who the, the Federal Reserve was founded by? The Federal Reserve was founded by bankers, the very bankers that you know the name of, and you can probably take a guess as to who people from the Rockefeller family. Aldrich family, JP Morgan Chase. Seven men secretly met on an island in Georgia, concealing their identities, changing their names. They met on a private train cart to discuss how they were going to essentially take over the world's banking systems, starting with the United States. These seven men's wealth, seven men's wealth equated to one fourth of the Total World's wealth at the time, and all they wanted to do was figure out how they could take over the other three fourths. It's pretty simple. When you get seven guys in the room, why wouldn't you do that? Right? So let's unmask the architects of the Federal Reserve. And talk about why every single American should be outraged at this historical account. And here it is. As you go about your daily life, there's a creature lurking behind the scenes polling the strings of our economy. This seemingly innocuous entity is none other than the Federal Reserve and its origin story is as chilling as any horror tale when you realize the truth In the eye-opening book, the Creature from Jekyll Island by Edward Griffin, it unveils the clandestine beginnings of the Fed in the dangers it poses to our society. The secret birth of the Federal Reserve in 1910, a group of influential bankers in 1910 and politicians gathered in secrecy on JE Island in Georgia to hatch a plan that would forever change the course of American history. Their mission. To create a centralized banking system that would benefit their own, their own interests, while consolidating power and control over the nation's finances. This figurative meeting laid the groundwork for the creation of the Federal Reserve. In 1913, our entire structural financial system was built less than 111 years ago. An institution that now, now holds immense power and sway over our economy basically dictates all of it. The key architects or the Federal Reserve were no ordinary individuals. They were powerful cabal of bankers and politicians, including Paul Warberg, Nelson Aldrich, JP Morgan, among others. Their goal was to establish a banking cartel that would protect their interests while simultaneously controlling the country's monetary policy. By doing so, they could manipulate the economy to their advantage. Profiting from booms and bus while leaving ordinary Americans to bear the consequences. The Federal Reserve's very existence poses a threat to our society. Its power to  create money out of thin air and manipulate interest rates, allows it to control the value of our currency, often leading to inflation and devaluation. Moreover, the Fed's unelected the Fed's unelected officials operate with minimal transparency, making decisions that affect millions and millions of people without any public oversight whatsoever. Furthermore, the Federal Reserve's ability to bail out large financial institutions in times of crisis promotes moral hazard. Big banks take on excessive risks knowing that the Federal Reserve will rescue them if things go south, which is exactly what we saw happened with S V B. This reckless. This reckless behavior can lead to financial crisises with ordinary citizens left to foot the bill, which is exactly what I talked about earlier, right? When they can create money out of thin air, it's not out of thin air, it's out of future comfortability for the American people. It causes inflation, and that's where we're gonna see the result when they created trillions of dollars during covid so that they could pay people not to work, so they could shut down the economy for their own agenda to cause you to get vaccinated so Pfizer could profit off of it. Now, the Federal Reserve born from a secretive gathering of powerful elites wields enormous power over our economy. Its actions can lead to inflation, devaluation, financial crisises, all while operating with minimal transparency. It says, as Americans, we must be aware of the Fed's origins and inherent risk opposes to our society. We should demand greater transparency, oversight, de, and democratic control over this powerful institution. It's time for us to stand up and fight against the creature that has taken a hold of our economy before it's too late. And I personally believe that it might already be too late. Okay. It is so crazy to see how this came together and what, what this entire financial system is built on. Like I said, it's a house of cards. Okay. Let's go ahead and let's watch a little bit of this clip. And this is by the author  

Don't miss out on the opportunity to be a part of the exclusive "Enter the 1%" event! Get your tickets now before they sell out:https://self-perfected.com/enter-the-1-percent-event-pageJoin our Facebook group by applying here and answering the questions: www.facebook.com/groups/selfperfectedSubscribe here to keep up with our latest podcasts: https://www.youtube.com/channel/UC6nv...Learn more about the group: https://self-perfected.com/Listen to Discussions on reality: https://www.youtube.com/playlist?list...We're on Apple: https://podcasts.apple.com/us/podcast...We're on Spotify: https://open.spotify.com/show/6HXvEho...#SelfPerfectedPodcast #selfperfection

Invasive species cost America billions of dollars each year in eradication efforts. These plants and animals cause damage to the environment and economy and are extremely hard to get rid of. This week, two experts reveal how you can help by adding the invasive species in your area into your diet. Learn More: https://radiohealthjournal.org/eat-the-invaders-how-you-can-help-your-local-environment

Do the things you own define you? Do you feel a need to ‘keep up' to be successful? Do appearances matter? Danny and Randy explore keeping up appearances and discuss why the Joneses don't care.     Subscribe to ESP's YouTube Channel! Thanks for listening!  Do you have a question you want answered in a future episode? If so, send your question to: existentialstoic@protonmail.com  

Genetic counseling is more than just testing a patient for specific diseases. Counselors like Kevin Sweet and Colleen Jodarski become health investigators, sifting through a patient's family history to compile a complete look at their risk factors. Our experts explain how to know if you need to see a genetic counselor. Learn More: https://radiohealthjournal.org/a-look-at-the-rising-field-of-genetic-counseling

Oscar Wilde and J.R.R. Tolkien used consumer culture to create works of art. In this podcast, we try to draw some lessons from their lives. I'm joined by Paul Fortunato, an English professor at the University of Houston Downtown. Paul is also a member of Opus Dei, and the author of a book about Oscar Wilde's "consumer modernism." We discuss how Wilde and Tolkien successfully navigated the "creator economy," as well as Oscar Wilde's little-known Catholicism.✦ Subscribe to Paul on Youtube✦ Paul's book on Oscar WildeOther Life✦ Subscribe to the coolest newsletter in the world https://OtherLife.co✦ Get a free Urbit ship at https://imperceptible.computer✦ We're building a new country at https://imperceptible.countryIndieThinkers.org✦ If you're working on independent intellectual work, join the next cohort of https://IndieThinkers.org

Well, this episode is suddenly incredibly relevant again just with all the stuff going on with co-pay maximizers. If you're gonna understand maximizers, though, you really have to start here. In a nutshell, this whole thing is a battle royale between co-pay cards and patient assistance programs offered by pharma companies versus co-pay accumulators and co-pay maximizers deployed by health plans and PBMs (pharmacy benefit managers). I just want to start by getting everyone grounded on a few really key points. #1: Drug abandonment is a thing. Patient goes into the pharmacy to pick up their Rx and the out of pocket is too expensive, so they leave without their drug. This can happen on the first fill, like, “Oh, wow, I guess I don't really need that new drug my doctor just told me I should pick up.” Or it can happen downstream, like in January when, all of a sudden, a deductible kicks in. But in all cases, we have a patient getting sticker shock on the out of pocket for a med and then going without the drug … or pill splitting or rationing or doing other things to save money. #2: How PBMs shake rebates out of pharma manufacturers is to use what I just said (that whole abandonment possibility) as a leverage point. Pharma goes into a PBM that controls access for drugs for, I don't know, 100 million lives. The PBM says, “Hey, you, Pharma! If you want to be on our formulary, you gotta kick out this much in rebates.” Pharma says, “No, that is too much rebate. I cannot pay it.” PBM says, “Well, then … OK, you're not on formulary or you are poorly positioned on formulary. And let me translate what that means. Now the out of pocket for your drug will be so expensive that patients are gonna walk out of the pharmacy without your drug because I, the PBM, have control over patient out of pocket and I will make it very expensive.” From a pharma's standpoint, all those patients that aren't picking up the drug … that means a loss of market share. And that market share can translate into a lot of lost revenue for the pharma company. And thus begins the whole war of the co-pays/out of pockets. So now, let's fast-forward through the past, say, 10-plus years. It'll be like one of those movie montages with the action sped up so fast you don't need words to see what's going on … except this is an audio podcast, so I guess you do need words. Alright, so this is what happens next: Pharma starts raising its prices combined with there's more super expensive specialty pharmacy drugs. Reaction by the PBMs to this was to try to get more aggressive with Pharma demanding increasingly high rebates and other concessions, keeping in mind the prize and leverage point that the PBMs offered Pharma to secure those PBM rebates was lower co-pays or out of pockets for patients. Again, it's a well-known fact that the higher the patient out of pocket, the lower the market share of the drug because the higher the patient cost, the more patients abandon at the pharmacy counter. It's the old supply and demand curve at work. At a certain point here in all of this, the pharma companies start to get really pissed about their dwindling net prices as rebates start going up and up and their market share kind of doesn't because the PBMs are keeping the money and maybe not passing it along to plan sponsors or patients. It's a zero-sum game fight over the money, and Pharma feels like the PBMs are getting more than their share. And they're pretty smart, these pharma manufacturers. So, Pharma comes up with a Houdini move to escape PBMs holding Pharma hostage for rebates by using their control over how much patients pay or don't pay at the pharmacy counter. Fasten your seatbelts and let the games begin. Pharma decided to hand out co-pay discount cards. Then Pharma doesn't have to pay PBM rebates to get lower patient out-of-pocket costs. They can finesse lower patient out-of-pocket costs all by themselves. Take that, PBMs! Except now, the PBMs see this—and they raise. Enter co-pay accumulators and also co-pay maximizers. For this part of the extravaganza of game theory at its finest, I'm gonna let Dea Belazi, PharmD, MPH, my guest in this episode, explain further. However, one more thing to point out before we begin. In the olden days, this whole war of who has leverage over who transpired in the context of small molecule drugs in competitive markets a lot of times. So, like Lipitor versus Crestor and the brands all cost, like, $100 a month and, maybe, there was a generic equivalent. If the health plan made it too expensive for a patient to get one of those drugs, they usually made another one in the same class attractive financially. So, the patient had (theoretically, at least) options; and the stakes were also a lot lower. The dollar volumes that we're talking about here were a lot lower. Now this same war is being fought on the specialty side of the house, where drugs cost thousands or tens of thousands a month and the patient may have but one option. So, if it's made to be financially toxic for a patient to get that one drug, the patient has to choose between their family's health and dipping into their 401k in order to afford their out-of-pocket costs. Or going bankrupt. Or dying. And when I say “or dying,” that is not hyperbole. There are studies that clearly show the mortality rates for patients who have trouble affording their meds are worse. In these cases, Pharma can be, sort of authentically, a hero who steps in and helps patients who are functionally uninsured because they can't afford the co-pays and deductibles that their plan sponsors have put in place to actually use the insurance that they are paying handsome premiums to have. Pharma can step in and help via these co-pay discount cards or coinsurance programs or through patient assistance programs helping those with lower incomes. So, there's no question in the short term that when a patient desperately needs a drug and their insurance is insufficient, a pharma manufacturer can be a knight in shining armor financially. But only if this were so simple, like this is some kind of spaghetti western with the good guys and the bad guys. Now let's think about this co-pay/out-of-pocket assistance offered by Pharma with a longer timeframe or a more systemic timeframe in mind. How is it that Pharma can have prices that are as high as we all know they are? Right?! It's because enough patients don't abandon the med at the pharmacy counter or, these days, in the infusion clinic. So, the lower Pharma can drive the patient out of pocket for a really expensive drug, the more they have a certain amount of impunity to raise the drug prices. This is a lot of the argument against price caps on out of pockets just in general, by the way. They matter for patients. They save lives. But they also have the consequence of kind of getting rid of what is often seen as a big control point checking pharma prices from zinging even higher than they already are. Bottom line, we have a catch-22 on our hands—and the patient is stuck in the middle. If you're a patient and you need your miracle drug (and a lot of patients call these drugs their miracle drugs), Pharma is your hero … at least right now. However, Pharma is also now able to raise their prices even more next year; and now you really need their out-of-pocket support because the price of the drug is so high your employer/taxpayers can't afford the rising drug spend and even more cost gets shifted onto patients. It becomes like Stockholm syndrome. But again, no white hats and black hats here. This whole thing is one of those incomprehensible art house films with lots of plot twists and in every other scene, you start to feel for the character you just hated 10 minutes ago … because while Pharma is getting busy raising prices, you have PBMs and nothing-for-nothing plan sponsors also up to their own machinations. Like, hey, here's one that's quite a marvel: PBM double-dipping. If the PBM can get Pharma to pay the patient deductible and then also get the patient to pay the patient deductible … Hmmm … By the way, that was a backdoor introduction to accumulators. And then later on, maximizers showed up on the scene. I just want to say that with maximizers, not all are created equal. I can certainly see their value for patients when they are deployed by companies and plan sponsors as part of their benefit designs with an explicit goal of helping members and the plan itself (nothing for nothing) afford expensive drugs it's clear that the patients need. But … I have to say, and I'm not well versed enough yet in how this maximizer business has evolved to comment on whether some of what is going on is still a net positive for some members and patients. Some of these PBMs have opened up entirely separate maximizer companies, which, for sure, they are upcharging employer plan sponsors to use. And the whole point of these separate entities is to get as much cash out of Pharma as possible while they, I don't know, may or may not pass that cash on as savings to patients and members. I need to do a show on this coming up. There's a new bill in the House, by the way. It's called the HELP Copays Act, which I don't think is just aimed at accumulators. If you didn't understand what I just said, you will after you listen to this episode. With that, here's Dea Belazi. Dea is president and CEO over at AscellaHealth. He is a pharmacist by training who has worked for Pharma, and then he worked at a health plan, spending a lot of time in the PBM space. In other words, he's seen this tangled web from pretty much every angle. We kick right into the conversation talking about accumulators.   You can learn more at ascellahealth.com.   Dea Belazi, PharmD, MPH, has led the development and management of AscellaHealth's global specialty pharmacy benefit and healthcare services for nearly a decade. As a visionary and architect of change, leading the AscellaHealth shift from pharmacy benefit management to specialty pharmacy solutions, he has played a key role in the company, achieving a staggering four-year growth of more than 1556%. Previously, he served as a senior executive and played a key role in the growth and expansion of PerformRx, a PBM owned by Keystone First Health Plan. Additionally, Dea held a leadership position at FutureScripts, an Independence Blue Cross company that was sold to Catamaran. A respected industry professional and thought leader, Dea is often invited as a reviewer for multiple medical journals and holds a seat on the board of directors for numerous healthcare-related companies. Based on his impressive career and growing reputation, he was chosen to serve on FierceHealthcare's Editorial Advisory Council. Dea was most recently recognized as an Ernst & Young Entrepreneur of the Year 2022 Greater Philadelphia Award Finalist; he is also a 2022 Philadelphia Titan and a 2021 Philadelphia Business Journal Most Admired CEO honoree. Dea holds a PharmD from the University of Rhode Island. He completed his dissertation at Brown University, earned a Master of Public Health from Johns Hopkins University, and served as a post-doc health outcomes research Fellow at Thomas Jefferson University.   11:06 “The concept of co-pay accumulators wasn't just a … PBM thought, but it also came from their customers, whether it was health plans or employer groups.” 15:50 “[This is] literally a math problem based on, ‘Do I spend it now? Do I spend it later?'” 17:20 What reason do employers and payers have for doing this? 21:13 “This is another mechanism for payers to push down additional cost to both the patient and now the pharma company.” 22:24 EP241 with Vinay Patel. 22:59 “I don't think accumulators are really forcing Pharma to be more competitive.” 25:06 How co-pay maximizers are different from co-pay accumulators. 28:09 Who doesn't like co-pay accumulators and maximizers? 30:01 How patient advocacy groups are a different model. 32:10 What is the biggest challenge facing employers right now?   You can learn more at ascellahealth.com.   Dea Belazi of @AscellaHealth discusses #copayaccumulators and #copaymaximizers on our #healthcarepodcast. #healthcare #podcast #digitalhealth #healthtech #copay   Recent past interviews: Click a guest's name for their latest RHV episode! Brennan Bilberry, Dr Vikas Saini and Judith Garber, David Muhlestein, Nikhil Krishnan (Encore! EP355), Emily Kagan Trenchard, Dr Scott Conard, Gloria Sachdev and Chris Skisak, Mike Thompson, Dr Rishi Wadhera (Encore! EP326), Ge Bai (Encore! EP356)

Hello everybody and welcome to season two of Some Patches Required! If you're new to the show, we're happy to have you! If you're already familiar with our particular brand of games-industry coverage/conversations, we're thrilled that you stuck around. It's only going to get better from here.This time around, we're talking about the endearing mess that is Pokemon; specifically Scarlet and Violet. While we both enjoyed the game(s), its flaws are hard to ignore. Moreover, they say a lot about the industry at large, consumerism, innovation, fandom, and much, much more.Please, enjoy.Listen to Beach Girl on SpotifyCheck out edouggieart on EtsyCheck out even more edouggieart on Instagram

On this episode, Will sits down with Paul Skallas, aka the 'LindyMan' and the author of the Lindy Newsletter.  Will and Paul discuss the "Lindy effect", which is the idea that the longer something has been around, the longer it is likely to last in the future.   Plus, they dive into some other intricate subjects such as Refinement Culture and Stuck Culture and how they are major drivers of modern American society.   Tell Will what you thought about this podcast by emailing WillCainPodcast@fox.com   Follow Will on Twitter: @WillCain Learn more about your ad choices. Visit megaphone.fm/adchoices

Last week we discussed the history of gene editing and the opportunities this technology offers. In this second edition, our experts explain the ethical debate surrounding gene editing in humans. Where do we draw the moral line and have we already crossed it? Learn More: https://radiohealthjournal.org/genomics-pt-2-designer-babies-illegal-experiments-and-moral-issues

Our personal health may be determined before even our parents are born. Scientists have discovered that our ancestors have a greater impact on us than we think. Author Judith Finlayson explains how our grandparents' habits and behaviors have a direct influence on our DNA. Learn More: https://radiohealthjournal.org/blame-your-grandparents-for-your-health-issues

Heartland POD on Twitter - @TheHeartlandPOD Co-HostsAdam Sommer @Adam_Sommer85  (Twitter) @adam_sommer85 (Post)Rachel Parker @msraitchetp   (Post)Sean Diller @SeanDillerCO   (Twitter and Post)https://heartlandpod.com/JOIN PATREON FOR MORE - AND JOIN OUR SOCIAL NETWORK!“Change The Conversation”LifeFlight Eagle: https://www.lifeflighteagle.org/True or FalseWisconsin Supreme Court election is the most important national story that almost no national outlets are covering?Wisconsin voters have the chance to reset partisan gerrymandered maps if they The Guardian: https://www.theguardian.com/us-news/2023/feb/13/wisconsin-supreme-court-election-gerrymandered-democracyYeah…No, Yeah Kansas and Missouri Republicans Want to Make Abortion “Illegal-er” Idiots who don't learn from mistakes are doomed to repeat them in the next goddamn election cycle. To quoth Sean, “Dummies.”https://www.kansascity.com/news/politics-government/article272471905.htmlWhat else is there to say? Outside of this is what desperation looks like. I say again: Dummies.Buy or SellThe economic shifts that finally saw some lift to low-paid workers will last without action from Congress to increase min. wageFrom Semafor: https://www.semafor.com/article/02/16/2023/the-rich-are-getting-poorerThe Big OneHealthcare. That's it. Just Healthcare. Hot button issue for 2024 because it sits right next to abortion?The stage is set for Dems to lead on it after Biden has done quite a bit to reduce the cost of ACA premiums, insulin costs. https://www.semafor.com/article/02/17/2023/2024-republicans-are-done-with-the-affordable-care-act-it-might-not-be-done-with-themA reminder: A WHOLE LOT of independents voted for Trump because they believed him when he said that he'd get everyone healthcare. (Granted, that was naive, but it's also what the guy said.)

In the spirit of minimalism and mindful living, it doesn't matter what you buy, it matters WHY you buy, and to me, that's a more meaningful conversation. So in this episode, I'm discussing six habits to help you consume more mindfully.We'll talk about the difference between wishes and necessities, understanding your reasons for buying, and more essential tips to help you navigate purchases and understand your purchasing behavior. Let's talk about it!

The revival at Asbury is still going strong. What does that mean? And then, Brian and Aubrey talk about their own boundaries for social media--and a tweet by Dan White condemning consumerism in the church. Follow The Common Good on Facebook, Twitter and Instagram Hosted by Aubrey Sampson and Brian From Produced by Laura Finch and Keith ConradSee omnystudio.com/listener for privacy information.

No longer is it enough for people on the internet to tell us what to buy, they've decided they have to tell us what not to buy, too. Like a consumerist superhero; influencers are trending for telling us the dyson air wrap is a waste of money, or that viral skirt you really want is actually uncomfortable. But are these internet personalities doing important work in turning us off these products, or are they just wise to the fact over-consumption is no longer trendy? This week Eden and Ione are discussing how we got to this moment, as well as examining the recent history of how our spending habits have been changed and influenced by those around us. Order Ione's book, Poor Little Sick Girls, here!Have an opinion and want to be featured on an upcoming episode? We want to hear from YOU! Leave a review, send us your thoughts on this episode to ione@polyesterzine.com, or drop us a DM on Instagram Hosted on Acast. See acast.com/privacy for more information.

Look at us…still putting out podcasts while Sarah is on a national tour. C'mon, we'd never forget about you guys! Join us for yet another exciting episode of The Sarah Silverman Podcast! And guess what? If you want to see Sarah do some good ol' stand-up check out these dates & cities. Get your tickets here: https://laylo.com/sarahsilverman 2/23: VANCOUVER, BC (JFL) | QUEEN ELIZABETH THEATRE 3/9: MADISON, WI | ORPHEUM THEATER 3/10: MINNEAPOLIS, MN | STATE THEATRE 3/11: DETROIT, MI | THE FILLMORE DETROIT 3/12: TORONTO, ON | MERIDIAN HALL 3/15: HUNTINGTON, NY | THE PARAMOUNT 3/16: NEW YORK, NY | BEACON THEATRE 3/18: CHARLOTTE, NO | OVENS AUDITORIUM 3/19: DURHAM, NC | CAROLINA THEATRE 3/22: NASHVILLE, TN | RYMAN AUDITORIUM 4/8: RED BANK, NJ | COUNT BASIE CENTER FOR THE ARTS 5/12: LINCOLN, CA | THE VENUE AT THUNDER VALLEY Thank you to our sponsors! Noom | https://noom.com/SILVERMAN Article | https://article.com/SARAH SimpliSafe | https://simplisafe.com/SILVERMAN Want to ask Sarah a question? Leave a voicemail @ https://www.kastmedia.com/MessageSarah Keep up with Sarah on Instagram @ https://www.instagram.com/sarahkatesi... and on Twitter @ https://twitter.com/SarahKSilvermanzSee omnystudio.com/listener for privacy information.

Look at us…still putting out podcasts while Sarah is on a national tour. C'mon, we'd never forget about you guys! Join us for yet another exciting episode of The Sarah Silverman Podcast! And guess what? If you want to see Sarah do some good ol' stand-up check out these dates & cities. Get your tickets here: https://laylo.com/sarahsilverman 2/23: VANCOUVER, BC (JFL) | QUEEN ELIZABETH THEATRE 3/9: MADISON, WI | ORPHEUM THEATER 3/10: MINNEAPOLIS, MN | STATE THEATRE 3/11: DETROIT, MI | THE FILLMORE DETROIT 3/12: TORONTO, ON | MERIDIAN HALL 3/15: HUNTINGTON, NY | THE PARAMOUNT 3/16: NEW YORK, NY | BEACON THEATRE 3/18: CHARLOTTE, NO | OVENS AUDITORIUM 3/19: DURHAM, NC | CAROLINA THEATRE 3/22: NASHVILLE, TN | RYMAN AUDITORIUM 4/8: RED BANK, NJ | COUNT BASIE CENTER FOR THE ARTS 5/12: LINCOLN, CA | THE VENUE AT THUNDER VALLEY Thank you to our sponsors! Noom | https://noom.com/SILVERMAN Article | https://article.com/SARAH SimpliSafe | https://simplisafe.com/SILVERMAN Want to ask Sarah a question? Leave a voicemail @ https://www.kastmedia.com/MessageSarah Keep up with Sarah on Instagram @ https://www.instagram.com/sarahkatesi... and on Twitter @ https://twitter.com/SarahKSilvermanz

What does the recent culture-war freakout over gas stoves have in common with efforts to maybe, possibly, just a little, pretty please, slightly reduce the many harms of automobiles, especially large SUVs? And of all the thing he could have chosen in his (pretty lame, if you ask us) attempt to bait climate activist Greta Thunberg on Twitter, why did Andrew Tate use his luxury car collection — and a picture of him filling one of them up — to signify his conspicuous fossil fuel consumption?   ***This is a preview of a Patreon-exclusive, ad-free bonus episode. Become a Patreon supporter of The War on Cars for access to this and all of our bonus content.***