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First sex act as part of a marriage or relationship

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Steamy Stories Podcast
Peter's Play Dates: Part 5

Steamy Stories Podcast

Play Episode Listen Later Mar 25, 2025


Negotiating With Isabella.Based on a post by Ostrich Mack. Listen to the ► Podcast at Steamy Stories.Sex sells: Isabella's New Skills.Isabella Cobelli admired her reflection in the mirror. As you could guess from the name, Isabella had Italian roots.Her father emigrated from Italy in the eighties and met and married Isabella's English mother.Isabella was an only child and after her father passed away suddenly when she was 14, she became very close to her mum.Now 23 years old and graduated with an honors degree in marketing, she had matured into a beautiful young woman. Isabella had Raven-black straight hair which hung all the way down to the small of her back. She often wore it in a French plait which meant her pretty face was plain to see.Isabella had light olive skin and funnily enough an sprinkling of freckles across her nose. Her hazel colored eyes were almond shaped and her eyebrows were thicker than was considered classical beauty. Her lips looked eminently kissable.Today Isabella had chosen a slightly daring red lipstick to emphasize the shape of her pretty mouth.Her outfit was business-like and sexy at the same time. Thigh high stockings under a grey pencil skirt, topped by a matching Bolero jacket over a semi sheer impeccable white blouse. Isabella liked to dress in pretty underwear and had chosen a half-cup lace bra and matching thong. To complete the look, she had chosen two inch heels in black to give her a little more height than her 1 meter 65.So, why all this bother to get all dressed up? After graduating Isabella tried to break into a marketing job. As the economy was in a major dip, jobs in marketing were few and far between. In fact marketing experts were all looking over their shoulders, hoping not to get their exit cards.Isabella got a job eventually in sales. Not her strongest point and she hated when people assumed that sales and marketing were one and the same. ECO-Hygiene was an up and coming supplier of Eco-friendly products for industrial use.After two months there Isabella's sales figures were under target, and she was concerned that she might just get her marching orders if she didn't at least hit her goals. As a newcomer she was assigned an area in which her predecessor had failed to drum up enough business. This geographically difficult area lay half in the urban sprawl of London and half in the leafy suburbs of Sussex. Isabella was struggling and desperate to get some decent sales under her belt. Thus, what a relief it was when, two weeks ago, all of the sales reps were invited for a weekend sales seminar in one London's prestigious hotels. All of this on their free time of course.After checking in on Friday evening, Isabella decided to have one glass of wine at the bar to see if there was any male talent attending the seminar. For some reason, despite her beauty, she didn't seem to be able to hold down a relationship for long. Men of her own age bored her. They were mostly full of themselves and only wanted to talk about their amazing feats. Isabella had missed a father for her formative years and found herself graduating towards more mature men. Problem there was that most of them were married, or un-marriable, or just plain creepy.As she sat at the bar observing the melee of sales reps loudly proclaiming their victories, Isabella was shocked when a woman sat next to her and offered her a drink."Kate", the woman said."Excuse me?" replied Isabella."Kate Connors. Senior sales director for South East" came the reply."Oh, nice to meet you." Said Isabella. "Isabella Cobrelli, My friends call me Izzy" she replied offering her hand to Kate who shook it firmly."So what do you think? Any talent in here tonight?" asked Kate.Isabella blushed."Aw come on", said Kate. "I know the drill. Been here many times and had my share of dalliances""Well" said Isabella "Up until now, not much interesting to see here. Just lot of guys full of themselves holding a pissing contest."Kate laughed out loud. "I like it" she said. "You call it as it is young lady.""What in god's name brings a beautiful woman like you to a sales conference for Industrial Hygiene products?""Well, it wasn't my first choice, and it may not be sexy, but it pays the rent." Answered Isabella."It should damn well do more than just pay the rent." Answered Kate. "What are your sales figures like?" she asked.Isabella blushed once more. "It's a struggle." She answered. "I haven't been able to score any big accounts yet and I am worried I might not hit the target.""Well maybe I can help you." Replied Kate. "After all I didn't get my position by not meeting my sales targets.""Tell me your tactics." Kate asked."Well, I like to dress in a business attire so that I look serious about the product. I make sure I know all of the specs of the particular products that I want to sell on the day, so I am well prepared for the pitch. But somehow it just seems to fall flat when I am there.""What is business attire?" Kate asked."Trouser suit with a nice blouse. Low heels for practicality." Isabella replied."Humph," snorted Kate. "No wonder that the presentations fall flat. You need to make it personal. Sure, you should be all business, but you need to be sexy too. Let me guess, most of the clients are 45 plus males bored out of their minds. You need to give their day a boost. Bring something that gets their attention, and not just the product. Don't forget there are a so many industrial hygiene products on the market, and they all do the same thing. You need to make the men want to see YOU again."Isabella listened carefully to this charismatic woman, totally in awe of her self-confidence. She quietly wished she could be like her.Kate continued. "I have done all sorts to get my sales figures up, including entertaining the clients in the broadest possible sense. These men have a boring married vanilla life. They crave excitement and attention. While their wives are away at the Rotary Club organizing charity things, the men are sitting home bored out of their skulls. Work is the same thing day after day until YOU show up. Not in a pantsuit and a blouse laced up to the neck, but in something which gives their fantasy food for thought. The women too. I have also put myself out there and entertained women."Isabella was shocked and blushed intensely. Kate was basically saying she should whore herself out to get the sale."Women too?" she asked shyly."Don't knock it till you've tried it." Replied Kate. "I have had amazing encounters with women too. And though I am not gay, I do enjoy a dally with the softer sex. Haven't you ever experimented in college?"Isabella felt like she was turning purple. "No. Never." She replied."Well play your cards right and tonight might be the first night." Kate replied.Isabella was shocked and turned on at the same time.What if she could seduce her regional sales manager? She thought. That might go some way to keeping her job.Kate signaled the bartender. "A bottle of champagne." She ordered. The bartender nodded and made a gesture toward a booth on the other side of the bar.Kate wasted no time and took Isabella's hand in hers, dragging her across the bar.The sat next to each other, watching the show.Kate turned to Isabella. "Drink up. The show has just begun. Just watch how stupid it gets."Isabella took a sip of her glass and sat back to observe. "Idiots," she thought. "Tomorrow they will be too hungover to follow the seminar."The buzz from the champagne made Isabella relax and she began to fire more questions at Kate."What did you do with all those male clients then?" she asked."Everything." Replied Kate. "From flirting to blow jobs, from blow jobs to sex, to threesomes, to gang bangs. Just as long as I got my sales. My commissions were huge, I bought my house and car for cash with everything I earned. Men are stupid. They think with their dick, and once that is engaged then they will sign anything.""And the women then?" asked Isabella."Ah that is a different story." Kate replied. "That needs a lot more subtlety.""I can show you if you want." Kate offered.Isabella though about it for some minutes, whilst watching the meat market in front of them."Okay." She said. "Show me."Kate turned to her in shock. "Really?" She asked."Yes really." Isabella replied. "I have nothing to lose and everything to gain from your experience. And besides, for some reason the thought of it makes me horny.""Right." Said Kate. "Let's take this upstairs."Kate took Isabella by the hand and lead her to the lifts. They stepped in together and Kate pushed the button for the top floor. As soon as the lift doors closed, she took Isabella in her arms and kissed her gently on the lips. Isabella swooned from the alcohol and the excitement of this new adventure. It didn't take long before she responded to Kate, kissing her passionately back, her tongue exploring Kate's mouth.Kate moaned with pleasure. "Umm; Hmm. You're good at this. Sure you haven't tried this before?"Isabella grinned and said. "Definitely not. Good catholic upbringing don't you know."They arrived at Kate's floor and exited the lift. Kate's suite was just a few meters away, and when they got there Kate fumbled to get the key to work. Isabella took the key from her gently and held it against the lock. She was amazingly calm, determined to enjoy the ride wherever that might take her.Laughing, both Kate and Isabella fell through the door into the suite. Isabella couldn't help but be impressed. "So, this is what a Senior regional manager gets," she thought. "Not bad at all."There was a bottle of champagne on ice on the hall table and Kate proceeded to open it.She poured two glasses and passed one to Isabella. "Cheers Izzy." She said, raising her glass."Cheers." Isabella replied.Kate took a draught and put her glass on the table. She took Isabella in her arms and kissed her passionately on the lips. Isabella responded with her tongue and soon they were locked in a passionate embrace.Kate opened the buttons on Isabella's blouse one by one until it was completely open.She pushed the blouse back over Isabella's shoulders leaving er bra exposed. Kate bent forward and kissed Isabella's tits through the bra. Isabella held her breath, not knowing how she would react.She was surprised that it really turned her on to have all this attention to her tits. She felt her panties getting moist.Isabella decided to take some initiative herself, and opened the buttons on Kate's blouse. Kate groaned in anticipation. Isabella rubbed her thumb over Kate's right nipple and then over the left. Kate groaned even harder. Isabella moved her finger under the fabric of Kate's bra and pinched gently with her thumb and forefinger on Kate's nipples.Kate moved her arms around Isabella's back and unclasped her bra, freeing her 32c tits. Isabella's nipples were hard as bullets. Kate couldn't resist and lowered her mouth on first one and then the other nipple.Isabella felt a shockwave go through her whole body. Her juices were now flowing freely and she felt her panties get dripping wet. Not to be outdone she released Kate's 36 c tits from their restraint and copied Kate's sucking and licking.Kate almost crumpled at the knees. For a first timer Isabella sure learned quickly."Wait." She said. "Let's take this to the bed.""Yes please." said Isabella.They half stumbled to the bed, taking their skirts off in the process.Isabella stood before Kate with only her panties and her thigh high stocking still left on. Her cunt was on fire and leaking like a fire hydrant. Her juices were running down her thighs.Kate took a moment to admire this beautiful woman in front of her before slowly rolling her panties down her thighs, over the stockings and down to the floor.Isabella stepped out of her panties. She lay down on the bed, her hand demurely over her cunt.Kate knelt down at the side of the bed and removed Isabella's hand from her cunt. Kate sat admiring the neatly trimmed cunt in front of her, all the while sniffing the scent of Isabella's sex.Isabella was panting with desire. Her cunt on fire, her juices flowing freely and her nipples hard and sore. The anticipation of what was about to happen was excruciating.And then. Kate leaned forward and drew her tongue slowly from the bottom of Isabella's lips. Slowly licking and penetrating Isabella's sex.Isabella held her breath. Her heart was beating at 200 beats per minute, or so she thought.Kate was gentle. Each time drawing her tongue from under to above. Gently she penetrated Isabella with first one, and the two fingers. Isabella gasped.Kate moved once more upwards, and this time stopped at Isabella's clit. She gently licked at Isabella's love bud taking it gently between her lips and massaging it with her tongue.Inside Isabella something exploded. Her brain seemed to short circuit and her legs began to tremble uncontrollably. Her hands grabbed the back of Kate's head and pushed her harder into her cunt. Her orgasm was coming and there was nothing going to stop it.A tsunami of electric shocks shot through Isabella's body. There was no more control. Her muscles and nerves exploded in ecstasy and her juices simply spurted out of her cunt. Isabella screamed her orgasm out as hard as she could. It was an animalistic sound which she had never heard before.

Steamy Stories
Peter's Play Dates: Part 5

Steamy Stories

Play Episode Listen Later Mar 25, 2025


Negotiating With Isabella.Based on a post by Ostrich Mack. Listen to the ► Podcast at Steamy Stories.Sex sells: Isabella's New Skills.Isabella Cobelli admired her reflection in the mirror. As you could guess from the name, Isabella had Italian roots.Her father emigrated from Italy in the eighties and met and married Isabella's English mother.Isabella was an only child and after her father passed away suddenly when she was 14, she became very close to her mum.Now 23 years old and graduated with an honors degree in marketing, she had matured into a beautiful young woman. Isabella had Raven-black straight hair which hung all the way down to the small of her back. She often wore it in a French plait which meant her pretty face was plain to see.Isabella had light olive skin and funnily enough an sprinkling of freckles across her nose. Her hazel colored eyes were almond shaped and her eyebrows were thicker than was considered classical beauty. Her lips looked eminently kissable.Today Isabella had chosen a slightly daring red lipstick to emphasize the shape of her pretty mouth.Her outfit was business-like and sexy at the same time. Thigh high stockings under a grey pencil skirt, topped by a matching Bolero jacket over a semi sheer impeccable white blouse. Isabella liked to dress in pretty underwear and had chosen a half-cup lace bra and matching thong. To complete the look, she had chosen two inch heels in black to give her a little more height than her 1 meter 65.So, why all this bother to get all dressed up? After graduating Isabella tried to break into a marketing job. As the economy was in a major dip, jobs in marketing were few and far between. In fact marketing experts were all looking over their shoulders, hoping not to get their exit cards.Isabella got a job eventually in sales. Not her strongest point and she hated when people assumed that sales and marketing were one and the same. ECO-Hygiene was an up and coming supplier of Eco-friendly products for industrial use.After two months there Isabella's sales figures were under target, and she was concerned that she might just get her marching orders if she didn't at least hit her goals. As a newcomer she was assigned an area in which her predecessor had failed to drum up enough business. This geographically difficult area lay half in the urban sprawl of London and half in the leafy suburbs of Sussex. Isabella was struggling and desperate to get some decent sales under her belt. Thus, what a relief it was when, two weeks ago, all of the sales reps were invited for a weekend sales seminar in one London's prestigious hotels. All of this on their free time of course.After checking in on Friday evening, Isabella decided to have one glass of wine at the bar to see if there was any male talent attending the seminar. For some reason, despite her beauty, she didn't seem to be able to hold down a relationship for long. Men of her own age bored her. They were mostly full of themselves and only wanted to talk about their amazing feats. Isabella had missed a father for her formative years and found herself graduating towards more mature men. Problem there was that most of them were married, or un-marriable, or just plain creepy.As she sat at the bar observing the melee of sales reps loudly proclaiming their victories, Isabella was shocked when a woman sat next to her and offered her a drink."Kate", the woman said."Excuse me?" replied Isabella."Kate Connors. Senior sales director for South East" came the reply."Oh, nice to meet you." Said Isabella. "Isabella Cobrelli, My friends call me Izzy" she replied offering her hand to Kate who shook it firmly."So what do you think? Any talent in here tonight?" asked Kate.Isabella blushed."Aw come on", said Kate. "I know the drill. Been here many times and had my share of dalliances""Well" said Isabella "Up until now, not much interesting to see here. Just lot of guys full of themselves holding a pissing contest."Kate laughed out loud. "I like it" she said. "You call it as it is young lady.""What in god's name brings a beautiful woman like you to a sales conference for Industrial Hygiene products?""Well, it wasn't my first choice, and it may not be sexy, but it pays the rent." Answered Isabella."It should damn well do more than just pay the rent." Answered Kate. "What are your sales figures like?" she asked.Isabella blushed once more. "It's a struggle." She answered. "I haven't been able to score any big accounts yet and I am worried I might not hit the target.""Well maybe I can help you." Replied Kate. "After all I didn't get my position by not meeting my sales targets.""Tell me your tactics." Kate asked."Well, I like to dress in a business attire so that I look serious about the product. I make sure I know all of the specs of the particular products that I want to sell on the day, so I am well prepared for the pitch. But somehow it just seems to fall flat when I am there.""What is business attire?" Kate asked."Trouser suit with a nice blouse. Low heels for practicality." Isabella replied."Humph," snorted Kate. "No wonder that the presentations fall flat. You need to make it personal. Sure, you should be all business, but you need to be sexy too. Let me guess, most of the clients are 45 plus males bored out of their minds. You need to give their day a boost. Bring something that gets their attention, and not just the product. Don't forget there are a so many industrial hygiene products on the market, and they all do the same thing. You need to make the men want to see YOU again."Isabella listened carefully to this charismatic woman, totally in awe of her self-confidence. She quietly wished she could be like her.Kate continued. "I have done all sorts to get my sales figures up, including entertaining the clients in the broadest possible sense. These men have a boring married vanilla life. They crave excitement and attention. While their wives are away at the Rotary Club organizing charity things, the men are sitting home bored out of their skulls. Work is the same thing day after day until YOU show up. Not in a pantsuit and a blouse laced up to the neck, but in something which gives their fantasy food for thought. The women too. I have also put myself out there and entertained women."Isabella was shocked and blushed intensely. Kate was basically saying she should whore herself out to get the sale."Women too?" she asked shyly."Don't knock it till you've tried it." Replied Kate. "I have had amazing encounters with women too. And though I am not gay, I do enjoy a dally with the softer sex. Haven't you ever experimented in college?"Isabella felt like she was turning purple. "No. Never." She replied."Well play your cards right and tonight might be the first night." Kate replied.Isabella was shocked and turned on at the same time.What if she could seduce her regional sales manager? She thought. That might go some way to keeping her job.Kate signaled the bartender. "A bottle of champagne." She ordered. The bartender nodded and made a gesture toward a booth on the other side of the bar.Kate wasted no time and took Isabella's hand in hers, dragging her across the bar.The sat next to each other, watching the show.Kate turned to Isabella. "Drink up. The show has just begun. Just watch how stupid it gets."Isabella took a sip of her glass and sat back to observe. "Idiots," she thought. "Tomorrow they will be too hungover to follow the seminar."The buzz from the champagne made Isabella relax and she began to fire more questions at Kate."What did you do with all those male clients then?" she asked."Everything." Replied Kate. "From flirting to blow jobs, from blow jobs to sex, to threesomes, to gang bangs. Just as long as I got my sales. My commissions were huge, I bought my house and car for cash with everything I earned. Men are stupid. They think with their dick, and once that is engaged then they will sign anything.""And the women then?" asked Isabella."Ah that is a different story." Kate replied. "That needs a lot more subtlety.""I can show you if you want." Kate offered.Isabella though about it for some minutes, whilst watching the meat market in front of them."Okay." She said. "Show me."Kate turned to her in shock. "Really?" She asked."Yes really." Isabella replied. "I have nothing to lose and everything to gain from your experience. And besides, for some reason the thought of it makes me horny.""Right." Said Kate. "Let's take this upstairs."Kate took Isabella by the hand and lead her to the lifts. They stepped in together and Kate pushed the button for the top floor. As soon as the lift doors closed, she took Isabella in her arms and kissed her gently on the lips. Isabella swooned from the alcohol and the excitement of this new adventure. It didn't take long before she responded to Kate, kissing her passionately back, her tongue exploring Kate's mouth.Kate moaned with pleasure. "Umm; Hmm. You're good at this. Sure you haven't tried this before?"Isabella grinned and said. "Definitely not. Good catholic upbringing don't you know."They arrived at Kate's floor and exited the lift. Kate's suite was just a few meters away, and when they got there Kate fumbled to get the key to work. Isabella took the key from her gently and held it against the lock. She was amazingly calm, determined to enjoy the ride wherever that might take her.Laughing, both Kate and Isabella fell through the door into the suite. Isabella couldn't help but be impressed. "So, this is what a Senior regional manager gets," she thought. "Not bad at all."There was a bottle of champagne on ice on the hall table and Kate proceeded to open it.She poured two glasses and passed one to Isabella. "Cheers Izzy." She said, raising her glass."Cheers." Isabella replied.Kate took a draught and put her glass on the table. She took Isabella in her arms and kissed her passionately on the lips. Isabella responded with her tongue and soon they were locked in a passionate embrace.Kate opened the buttons on Isabella's blouse one by one until it was completely open.She pushed the blouse back over Isabella's shoulders leaving er bra exposed. Kate bent forward and kissed Isabella's tits through the bra. Isabella held her breath, not knowing how she would react.She was surprised that it really turned her on to have all this attention to her tits. She felt her panties getting moist.Isabella decided to take some initiative herself, and opened the buttons on Kate's blouse. Kate groaned in anticipation. Isabella rubbed her thumb over Kate's right nipple and then over the left. Kate groaned even harder. Isabella moved her finger under the fabric of Kate's bra and pinched gently with her thumb and forefinger on Kate's nipples.Kate moved her arms around Isabella's back and unclasped her bra, freeing her 32c tits. Isabella's nipples were hard as bullets. Kate couldn't resist and lowered her mouth on first one and then the other nipple.Isabella felt a shockwave go through her whole body. Her juices were now flowing freely and she felt her panties get dripping wet. Not to be outdone she released Kate's 36 c tits from their restraint and copied Kate's sucking and licking.Kate almost crumpled at the knees. For a first timer Isabella sure learned quickly."Wait." She said. "Let's take this to the bed.""Yes please." said Isabella.They half stumbled to the bed, taking their skirts off in the process.Isabella stood before Kate with only her panties and her thigh high stocking still left on. Her cunt was on fire and leaking like a fire hydrant. Her juices were running down her thighs.Kate took a moment to admire this beautiful woman in front of her before slowly rolling her panties down her thighs, over the stockings and down to the floor.Isabella stepped out of her panties. She lay down on the bed, her hand demurely over her cunt.Kate knelt down at the side of the bed and removed Isabella's hand from her cunt. Kate sat admiring the neatly trimmed cunt in front of her, all the while sniffing the scent of Isabella's sex.Isabella was panting with desire. Her cunt on fire, her juices flowing freely and her nipples hard and sore. The anticipation of what was about to happen was excruciating.And then. Kate leaned forward and drew her tongue slowly from the bottom of Isabella's lips. Slowly licking and penetrating Isabella's sex.Isabella held her breath. Her heart was beating at 200 beats per minute, or so she thought.Kate was gentle. Each time drawing her tongue from under to above. Gently she penetrated Isabella with first one, and the two fingers. Isabella gasped.Kate moved once more upwards, and this time stopped at Isabella's clit. She gently licked at Isabella's love bud taking it gently between her lips and massaging it with her tongue.Inside Isabella something exploded. Her brain seemed to short circuit and her legs began to tremble uncontrollably. Her hands grabbed the back of Kate's head and pushed her harder into her cunt. Her orgasm was coming and there was nothing going to stop it.A tsunami of electric shocks shot through Isabella's body. There was no more control. Her muscles and nerves exploded in ecstasy and her juices simply spurted out of her cunt. Isabella screamed her orgasm out as hard as she could. It was an animalistic sound which she had never heard before.

Red Bridge Baptist Church
The Consummate Virtue! Part 1: The Priority of Love

Red Bridge Baptist Church

Play Episode Listen Later Mar 9, 2025 30:01


The RPGBOT.Podcast
HADES: They are consummate professionals.

The RPGBOT.Podcast

Play Episode Listen Later Mar 6, 2025 86:01


Join us as we take a deep, despair-filled dive into Hades, where souls are currency, mercenary fiends run the economy, and even the afterlife has worse working conditions than your last job! Links 2014 Dungeon Master's Guide (affiliate link) 2024 Dungeon Master's Guide (affiliate link) Mordenkainen's Tome of Foes (affiliate link) Forgotten Realms Wiki - Hades Pathfinder Wiki - Abaddon RPGBOT.Podcast Episodes Puzzles Summary: In this episode, the hosts explore the intricate structure of Hades, its inhabitants, and the common misconceptions about this infamous plane in Dungeons & Dragons. The discussion covers the different layers, known as glooms, and the City of the Dead, a pivotal location where souls face judgment. The hosts shed light on the Yugaloths, their mercenary nature, and their role in the cosmic structure of the Blood War. The conversation also delves into the eerie nature of Nighthags, their trade in larvae, and the unique existence of daemons in Abaddon. Key locations such as the Wall of the Faithless and the town of Death of Innocence are examined, providing insight into the philosophical and mechanical aspects of these realms. Additionally, the hosts explore Hecate's magical domain, the haunting town of Hopeless, and the nightmares that manifest in physical form. The discussion concludes with an analysis of puzzles and riddles in RPG gameplay, offering tips on how to create engaging and balanced challenges for players. Key Takeaways: Hades and Its Structure: Hades is a bleak yet complex plane, often misrepresented as merely another version of hell. The City of the Dead serves as a place of judgment for mortal souls. Hades consists of multiple layers called glooms, each intensifying in despair. Mortal souls function as currency, reinforcing the grim nature of the plane. The front lines of the Blood War are located in Oinos, the first gloom. The realm imposes exhaustion on visitors, adding a challenging survival element. Portals to Hades are difficult to access and often heavily guarded. Yugaloths and Their Role: Yugaloths are mercenary fiends operating within Hades and other planes. Their hierarchy ranges from lesser to greater forms, each fulfilling specific roles. They embody the worst aspects of capitalism, prioritizing deals and self-interest. Arcana-loths are known for their knowledge but are notoriously untrustworthy. The design and nature of Yugaloths are chaotic, reflecting their unpredictable tendencies. Daemons and Abaddon: Abaddon, a desolate and ominous plane in Pathfinder, is home to daemons. Daemons are formed from the souls of evil mortals and have distinct thematic citadels. Demodans, originally a slave race, rebelled to carve out their own existence. Nighthags trade in larvae, using them in potions and dark dealings. Notable Locations and Lore: The Wall of the Faithless imprisons souls that did not choose a deity, sparking controversy. Death of Innocence is a unique town in Hades that resists the plane's apathy. Hecate's realm is shrouded in mystery and filled with magical elements. Corpus, a city made of living bodies, adds to the plane's disturbing aesthetics. Nightmares physically manifest on the Hill of Bones. The town of Hopeless is devoid of color and emotion, ruled by High Cardinal Thingle and his beholder army. Gameplay Insights: Riddles and puzzles can enhance gameplay but should be carefully balanced. Clear hints are essential to prevent frustration among players. Creativity and clarity are key when designing engaging riddles. The Wishless Well serves as a gateway to Hades, offering narrative opportunities. Imaginative settings and character development are crucial for compelling RPG storytelling. This episode provides a deep dive into the lore of Hades, Yugaloths, and related planes, offering both philosophical musings and practical gameplay insights. Whether crafting a campaign set in these dark realms or incorporating elements of their lore, RPG enthusiasts can gain valuable knowledge from this discussion.

RPGBOT.Podcast
HADES: They are consummate professionals.

RPGBOT.Podcast

Play Episode Listen Later Mar 6, 2025 86:01


Join us as we take a deep, despair-filled dive into Hades, where souls are currency, mercenary fiends run the economy, and even the afterlife has worse working conditions than your last job! Links 2014 Dungeon Master's Guide (affiliate link) 2024 Dungeon Master's Guide (affiliate link) Mordenkainen's Tome of Foes (affiliate link) Forgotten Realms Wiki - Hades Pathfinder Wiki - Abaddon RPGBOT.Podcast Episodes Puzzles Summary: In this episode, the hosts explore the intricate structure of Hades, its inhabitants, and the common misconceptions about this infamous plane in Dungeons & Dragons. The discussion covers the different layers, known as glooms, and the City of the Dead, a pivotal location where souls face judgment. The hosts shed light on the Yugaloths, their mercenary nature, and their role in the cosmic structure of the Blood War. The conversation also delves into the eerie nature of Nighthags, their trade in larvae, and the unique existence of daemons in Abaddon. Key locations such as the Wall of the Faithless and the town of Death of Innocence are examined, providing insight into the philosophical and mechanical aspects of these realms. Additionally, the hosts explore Hecate's magical domain, the haunting town of Hopeless, and the nightmares that manifest in physical form. The discussion concludes with an analysis of puzzles and riddles in RPG gameplay, offering tips on how to create engaging and balanced challenges for players. Key Takeaways: Hades and Its Structure: Hades is a bleak yet complex plane, often misrepresented as merely another version of hell. The City of the Dead serves as a place of judgment for mortal souls. Hades consists of multiple layers called glooms, each intensifying in despair. Mortal souls function as currency, reinforcing the grim nature of the plane. The front lines of the Blood War are located in Oinos, the first gloom. The realm imposes exhaustion on visitors, adding a challenging survival element. Portals to Hades are difficult to access and often heavily guarded. Yugaloths and Their Role: Yugaloths are mercenary fiends operating within Hades and other planes. Their hierarchy ranges from lesser to greater forms, each fulfilling specific roles. They embody the worst aspects of capitalism, prioritizing deals and self-interest. Arcana-loths are known for their knowledge but are notoriously untrustworthy. The design and nature of Yugaloths are chaotic, reflecting their unpredictable tendencies. Daemons and Abaddon: Abaddon, a desolate and ominous plane in Pathfinder, is home to daemons. Daemons are formed from the souls of evil mortals and have distinct thematic citadels. Demodans, originally a slave race, rebelled to carve out their own existence. Nighthags trade in larvae, using them in potions and dark dealings. Notable Locations and Lore: The Wall of the Faithless imprisons souls that did not choose a deity, sparking controversy. Death of Innocence is a unique town in Hades that resists the plane's apathy. Hecate's realm is shrouded in mystery and filled with magical elements. Corpus, a city made of living bodies, adds to the plane's disturbing aesthetics. Nightmares physically manifest on the Hill of Bones. The town of Hopeless is devoid of color and emotion, ruled by High Cardinal Thingle and his beholder army. Gameplay Insights: Riddles and puzzles can enhance gameplay but should be carefully balanced. Clear hints are essential to prevent frustration among players. Creativity and clarity are key when designing engaging riddles. The Wishless Well serves as a gateway to Hades, offering narrative opportunities. Imaginative settings and character development are crucial for compelling RPG storytelling. This episode provides a deep dive into the lore of Hades, Yugaloths, and related planes, offering both philosophical musings and practical gameplay insights. Whether crafting a campaign set in these dark realms or incorporating elements of their lore, RPG enthusiasts can gain valuable knowledge from this discussion. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

BIG BOGUS PODCAST
Consummate Pros

BIG BOGUS PODCAST

Play Episode Listen Later Mar 6, 2025 16:00


In this, Episode 9 of Season 18 (Q1:2025), MIGHTYBLACKWOOD kinda recounts a funny story about an unprofessional person. Visit BIG BOGUS PODCAST on Instagram and Twitter, and Visit MIGHTYBLACKWOOD on Instagram.

Iglesia Nueva Obra en Cristo Jesús
La Victoria Consumada - Consummate Victory

Iglesia Nueva Obra en Cristo Jesús

Play Episode Listen Later Feb 28, 2025 29:01


Hay predicadores que acusan a Ester y a Mardoqueo de matanzas excesivas en estos últimos capítulos. Pero entendiendo la manera en que Dios anunciaba su guerra en contra de los descendientes de Amalec, las matanzas eran esperadas.

KMJ's Afternoon Drive
Gene Hackman, Hollywood's Consummate Everyman, Dies at 95 

KMJ's Afternoon Drive

Play Episode Listen Later Feb 27, 2025 4:01


Gene Hackman, Hollywood’s Consummate Everyman, Dies at 95 Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Philip Teresi Podcasts
Gene Hackman, Hollywood's Consummate Everyman, Dies at 95 

Philip Teresi Podcasts

Play Episode Listen Later Feb 27, 2025 4:01


Gene Hackman, Hollywood’s Consummate Everyman, Dies at 95 Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

International Bankruptcy, Restructuring, True Crime and Appeals - Court Audio Recording Podcast
Intrum chapter 11 bankruptcy ruling, read by the bankruptcy judge on the record 12-31-2024, appealed by creditors via notice of appeal filed 1-13-2025

International Bankruptcy, Restructuring, True Crime and Appeals - Court Audio Recording Podcast

Play Episode Listen Later Jan 14, 2025 55:40


1UNITED STATES BANKRUPTCY COURTSOUTHERN DISTRICT OF TEXASHOUSTON DIVISIONIn re:INTRUM AB, et al.,1Debtors.Chapter 11Case No. 24-90575 (CML)(Jointly Administered)NOTICE OF APPEALPursuant to 28 U.S.C. § 158(a) and Federal Rules of Bankruptcy Procedure 8002 and 8003,notice is hereby given that the Ad Hoc Committee of holders of 2025 notes issued by Intrum AB(the “AHC”) hereby appeals to the United States District Court for the Southern District of Texasfrom (i) the Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262) (the “Motion to Dismiss Order”) and (ii) theOrder (I) Approving Disclosure Statement and (II) Confirming Joint Prepackaged Chapter 11Plan of Intrum AB and Its Affiliated Debtor (Further Technical Modifications) (ECF No. 263) (the“Confirmation Order”). A copy of the Motion to Dismiss Order is attached as Exhibit A and acopy of the Confirmation Order is attached as Exhibit B. Additionally, the transcript of theBankruptcy Court's oral ruling accompanying the Motion to Dismiss Order and ConfirmationOrder (ECF No. 275) is attached as Exhibit C.Below are the names of all parties to this appeal and their respective counsel:1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors'service address in these Chapter 11 Cases is 801 Travis Street, Ste 2101, #1312, Houston, TX 77002.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 1 of 62I. APPELLANTA. Name of Appellant:The members of the AHC include:Boundary Creek Master Fund LP; CF INT Holdings Designated Activity Company; CaiusCapital Master Fund; Diameter Master Fund LP; Diameter Dislocation Master Fund II LP; FirTree Credit Opportunity Master Fund, LP; MAP 204 Segregated Portfolio, a segregated portfolioof LMA SPC; Star V Partners LLC; and TQ Master Fund LP.Attorneys for the AHC:QUINN EMANUEL URQUHART & SULLIVAN, LLPChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comB. Positions of appellant in the adversary proceeding or bankruptcy case that isthe subject of this appeal:CreditorsCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 2 of 63II. THE SUBJECT OF THIS APPEALA. Judgment, order, or decree appealed from:The Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262); the Order (I) Approving Disclosure Statementand (II) Confirming Joint Prepackaged Chapter 11 Plan of Intrum AB and Its Affiliated Debtor(Further Technical Modifications) (ECF No. 263); and the December 31, 2024 Transcript of OralRuling Before the Honorable Christopher M. Lopez United States Bankruptcy Court Judge (ECFNo. 275).B. The date on which the judgment, order, or decree was entered:The Motion to Dismiss Order and the Confirmation Order were entered on December 31,2024. The Court issued its oral ruling accompanying the Motion to Dismiss Order and theConfirmation Order on December 31, 2024.III. OTHER PARTIES TO THIS APPEALIntrum AB and Intrum AB of Texas LLCMILBANK LLPDennis F. Dunne (admitted pro hac vice)Jaimie Fedell (admitted pro hac vice)55 Hudson YardsNew York, NY 10001Telephone: (212) 530-5000Facsimile: (212) 530-5219Email: ddunne@milbank.comjfedell@milbank.com–and–Andrew M. Leblanc (admitted pro hac vice)Melanie Westover Yanez (admitted pro hac vice)1850 K Street, NW, Suite 1100Washington, DC 20006Telephone: (202) 835-7500Facsimile: (202) 263-7586Email: aleblanc@milbank.commwyanez@milbank.com–and–PORTER HEDGES LLPJohn F. Higgins (SBN 09597500)Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 3 of 64Eric D. Wade (SBN 00794802)M. Shane Johnson (SBN 24083263)1000 Main Street, 36th FloorHouston TX 77002Telephone: (713) 226-6000Facsimile: (713) 226-6248Email: jhiggins@porterhedges.comewade@porterhedges.comsjohnson@porterhedges.comIV. OTHER PARTIES THAT MAY HAVE AN INTEREST IN THIS APPEALThe following chart lists certain parties that are not parties to this appeal, but that may havean interest in the outcome of the case. These parties should be served with notice of this appealby the Debtors who are aware of their identities and best positioned to provide notice.All Other Creditors of the Debtors, Including, But Not Limited To:• Certain funds and accounts managed by BlackRock Investment Management (UK)Limited or its affiliates;• Capital Four;• Davidson Kempner European Partners, LLP;• Intermediate Capital Managers Limited;• Mandatum Asset Management Ltd;• H.I.G. Capital, LLC;• Spiltan Hograntefond; Spiltan Rantefond Sverige; and Spiltan Aktiefond Stabil;• The RCF SteerCo Group;• Swedbank AB (publ).Any Holder of Stock of the Debtors• Any holder of stock of the Debtors, including their successors and assigns.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 4 of 65Respectfully submitted this 13th day of January, 2025.QUINN EMANUEL URQUHART &SULLIVAN, LLP/s/ Christopher D. PorterChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comCOUNSEL FOR THE AD HOC COMMITTEE OFINTRUM AB 2025 NOTEHOLDERSCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 5 of 6CERTIFICATE OF SERVICEI, Christopher D. Porter, hereby certify that on the 13th day of January, 2025, a copy ofthe foregoing document has been served via the Electronic Case Filing System for the UnitedStates Bankruptcy Court for the Southern District of Texas./s/ Christopher D. PorterBy: Christopher D. PorterCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 6 of 6EXHIBIT ACase 24-90575 Document 296-1 Filed in TXSB on 01/13/25 Page 1 of 31IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB, et al.,1 ) Case No. 24-90575 (CML)))Jointly AdministeredDebtors. ))ORDER DENYING MOTION OF THE AD HOCCOMMITTEE OF HOLDERS OF INTRUM AB NOTES DUE 2025TO DISMISS CHAPTER 11 CASES PURSUANT TO 11 U.S.C. § 1112(B) ANDFEDERAL RULE OF BANKRUPTCY PROCEDURE 1017(F)(1)(Related to Docket No. 27)This matter, having come before the Court upon the Motion of the Ad Hoc Committee ofHolders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. §1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) [Docket No. 27] (the “Motion toDismiss”); and this Court having considered the Debtors' Objection to the Motion of the Ad HocCommittee of Holders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11U.S.C. § 1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) (the “Objection”) andany other responses or objections to the Motion to Dismiss; and this Court having jurisdiction overthis matter pursuant to 28 U.S.C. § 1334 and the Amended Standing Order; and this Court havingfound that this is a core proceeding pursuant to 28 U.S.C. § 157(b)(2); and this Court having foundthat it may enter a final order consistent with Article III of the United States Constitution; and thisCourt having found that the relief requested in the Objection is in the best interests of the Debtors'1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these Chapter 11 Cases is 801 Travis Street, STE 2101, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f2 32estates; and this Court having found that the Debtors' notice of the Objection and opportunity fora hearing on the Motion to Dismiss and Objection were appropriate and no other notice need beprovided; and this Court having reviewed the Motion to Dismiss and Objection and havingheard the statements in support of the relief requested therein at a hearing before this Court; andthis Court having determined that the legal and factual bases set forth in the Objectionestablish just cause for the relief granted herein; and upon all of the proceedings had beforethis Court; and after due deliberation and sufficient cause appearing therefor, it is HEREBYORDERED THAT:1. The Motion to Dismiss is Denied for the reasons stated at the December 31, 2024 hearing.2. This Court retains exclusive jurisdiction and exclusive venue with respect to allmatters arising from or related to the implementation, interpretation, and enforcement of this Order.DAeucegmubste 0r 23,1 2, 0210294CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f2 3EXHIBIT BCase 24-90575 Document 296-2 Filed in TXSB on 01/13/25 Page 1 of 135IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB et al.,1 ) Case No. 24-90575 (CML)))(Jointly Administered)Debtors. ))ORDER (I) APPROVINGDISCLOSURE STATEMENT AND(II) CONFIRMING JOINT PREPACKAGED CHAPTER 11PLAN OF INTRUM AB AND ITS AFFILIATEDDEBTOR (FURTHER TECHNICAL MODIFICATIONS)The above-captioned debtors and debtors in possession (collectively, the“Debtors”), having:a. entered into that certain Lock-Up Agreement, dated as of July 10, 2024 (asamended and restated on August 15, 2024, and as further modified,supplemented, or otherwise amended from time to time in accordance with itsterms, the “the Lock-Up Agreement”) and that certain Backstop Agreement,dated as of July 10, 2024, (as amended and restated on November 15, 2024 andas further modified, supplemented, or otherwise amended from time to time inaccordance with its terms), setting out the terms of the backstop commitmentsprovided by the Backstop Providers to backstop the entirety of the issuance ofNew Money Notes (as may be further amended, restated, amended and restated,modified or supplemented from time to time in accordance with the termsthereof, the “Backstop Agreement”) which set forth the terms of a consensualfinancial restructuring of the Debtors;b. commenced, on October 17, 2024, a prepetition solicitation (the “Solicitation”)of votes on the Joint Prepackaged Chapter 11 Plan of Reorganization of IntrumAB and its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (asthe same may be further amended, modified and supplemented from time totime, the “Plan”), by causing the transmittal, through their solicitation andballoting agent, Kroll Restructuring Administration LLC (“Kroll”), to theholders of Claims entitled to vote on the Plan of, among other things: (i) the1 The Debtors in these chapter 11 cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these chapter 11 cases is 801 Travis Street, STE 2102, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f1 133452Plan, (ii) the Disclosure Statement for Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate (as the same may befurther amended, modified and supplemented from time to time, the“Disclosure Statement”), and (iii) the Ballots and Master Ballot to vote on thePlan (the “Ballots”), (iv) the Affidavit of Service of Solicitation Materials[Docket No. 7];c. commenced on November 15, 2024 (the “Petition Date”), these chapter 11 cases(these “Chapter 11 Cases”) by filing voluntary petitions in the United StatesBankruptcy Court for the Southern District of Texas (the “Bankruptcy Court”or the “Court”) for relief under chapter 11 of title 11 of the United States Code(the “Bankruptcy Code”);d. Filed on November 15, 2024, the Affidavit of Service of Solicitation Materials[Docket No. 7] (the “Solicitation Affidavit”);e. Filed, on November 16, 2024 the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Technical Modifications) [Docket No. 16] and theDisclosure Statement for Joint Prepackaged Chapter 11 Plan of Intrum AB andits Debtor Affiliate [Docket No. 17];f. Filed on November 16, 2024, the Declaration of Andrés Rubio in Support of ofthe Debtors' Chapter 11 Petitions and First Day Motions [Docket No. 14] (the“First Day Declaration”);g. Filed on November 17, 2024, the Declaration of Alex Orchowski of KrollRestructuring Administration LLC Regarding the Solicitation of Votes andTabulation of Ballots Case on the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code [Docket No. 18] (the “Voting Declaration,” andtogether with the Plan, the Disclosure Statement, the Ballots, and theSolicitation Affidavit, the “Solicitation Materials”);h. obtained, on November 19, 2024, the Order(I) Scheduling a Combined Hearingon (A) Adequacy of the Disclosure Statement and (B) Confirmation of the Plan,(II) Approving Solicitation Procedures and Form and Manner of Notice ofCommencement, Combined Hearing, and Objection Deadline, (III) FixingDeadline to Object to Disclosure Statement and Plan, (IV) Conditionally (A)Directing the United States Trustee Not to Convene Section 341 Meeting ofCreditors and (B) Waiving Requirement to File Statements of Financial Affairsand Schedules of Assets and Liabilities, and (V) Granting Related Relief[Docket No. 71] (the “Scheduling Order”), which, among other things: (i)approved the prepetition solicitation and voting procedures, including theConfirmation Schedule (as defined therein); (ii) conditionally approved theDisclosure Statement and its use in the Solicitation; and (iii) scheduled theCombined Hearing on December 16, 2024, at 1:00 p.m. (prevailing CentralCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f1 133453Time) to consider the final approval of the Disclosure Statement and theconfirmation of the Plan (the “Combined Hearing”);i. served, through Kroll, on November 20, 2025, on all known holders of Claimsand Interests, the U.S. Trustee and certain other parties in interest, the Noticeof: (I) Commencement of Chapter 11 Bankruptcy Cases; (II) Hearing on theDisclosure Statement and Confirmation of the Plan, and (III) Certain ObjectionDeadlines (the “Combined Hearing Notice”) as evidence by the Affidavit ofService [Docket No. 160];j. caused, on November 25 and 27, 2024, the Combined Hearing Notice to bepublished in the New York Times (national and international editions) and theFinancial Times (international edition), as evidenced by the Certificate ofPublication [Docket No. 148];k. Filed and served, on December 10, 2024, the Plan Supplement for the Debtors'Joint Prepackaged Chapter 11 Plan of Reorganization [Docket 165];l. Filed on December 10, 2024, the Declaration of Jeffrey Kopa in Support ofConfirmation of the Joint Prepackaged Plan of Reorganization of Intrum ABand its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code [DocketNo. 155];m. Filed on December 14, 2024, the:i. Debtors' Memorandum of Law in Support of an Order: (I) Approving, on aFinal Basis, Adequacy of the Disclosure Statement; (II) Confirming theJoint Prepackaged Plan of Reorganization; and (III) Granting Related Relief[Docket No. 190] (the “Confirmation Brief”);ii. Declaration of Andrés Rubio in Support of Confirmation of the JointPrepackaged Plan of Reorganization of Intrum AB and its Debtor Affiliate.[Docket No. 189] (the “Confirmation Declaration”); andiii. Joint Prepackaged Chapter 11 Plan of Reorganization of Intrum AB and itsDebtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (FurtherTechnical Modifications) [Docket No. 191];n. Filed on December 18, 2024, the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Further Technical Modifications) [Docket No. 223];CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 3 4 o of f1 133454WHEREAS, the Court having, among other things:a. set December 12, 2024, at 4:00 p.m. (prevailing Central Time) as the deadlinefor Filing objection to the adequacy of the Disclosure Statement and/orConfirmation2 of the Plan (the “Objection Deadline”);b. held, on December 16, 2024 at 1:00 p.m. (prevailing Central Time) [andcontinuing through December 17, 2024], the Combined Hearing;c. heard the statements, arguments, and any objections made at the CombinedHearing;d. reviewed the Disclosure Statement, the Plan, the Ballots, the Plan Supplement,the Confirmation Brief, the Confirmation Declaration, the SolicitationAffidavit, and the Voting Declaration;e. overruled (i) any and all objections to approval of the Disclosure Statement, thePlan, and Confirmation, except as otherwise stated or indicated on the record,and (ii) all statements and reservations of rights not consensually resolved orwithdrawn, unless otherwise indicated; andf. reviewed and taken judicial notice of all the papers and pleadings Filed(including any objections, statement, joinders, reservations of rights and otherresponses), all orders entered, and all evidence proffered or adduced and allarguments made at the hearings held before the Court during the pendency ofthese cases;NOW, THEREFORE, it appearing to the Bankruptcy Court that notice of theCombined Hearing and the opportunity for any party in interest to object to the DisclosureStatement and the Plan having been adequate and appropriate as to all parties affected or to beaffected by the Plan and the transactions contemplated thereby, and the legal and factual bases setforth in the documents Filed in support of approval of the Disclosure Statement and Confirmationand other evidence presented at the Combined Hearing establish just cause for the relief grantedherein; and after due deliberation thereon and good cause appearing therefor, the BankruptcyCourt makes and issues the following findings of fact and conclusions of law, and orders for thereasons stated on the record at the December 31, 2024 ruling on plan confirmation;2 Capitalized terms used but not otherwise defined herein have meanings given to them in the Plan and/or theDisclosure Statement. The rules of interpretation set forth in Article I.B of the Plan apply to this CombinedOrder.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 4 5 o of f1 133455I. FINDINGS OF FACT AND CONCLUSIONS OF LAWIT IS HEREBY FOUND AND DETERMINED THAT:A. Findings of Fact and Conclusions of Law.1. The findings and conclusions set forth herein and in the record of theCombined Hearing constitute the Bankruptcy Court's findings of fact and conclusions of law underRule 52 of the Federal Rules of Civil Procedure, as made applicable herein by Bankruptcy Rules7052 and 9014. To the extent any of the following conclusions of law constitute findings of fact,or vice versa, they are adopted as such.B. Jurisdiction, Venue, Core Proceeding.2. This Court has jurisdiction over these Chapter 11 Cases pursuant to28 U.S.C. § 1334. Venue of these proceedings and the Chapter 11 Cases in this district is properpursuant to 28 U.S.C. §§ 1408 and 1409. This is a core proceeding pursuant to 28 U.S.C.§ 157(b)(2) and this Court may enter a final order hereon under Article III of the United StatesConstitution.C. Eligibility for Relief.3. The Debtors were and continue to be entities eligible for relief under section109 of the Bankruptcy Code and the Debtors were and continue to be proper proponents of thePlan under section 1121(a) of the Bankruptcy Code.D. Commencement and Joint Administration of the Chapter 11 Cases.4. On the Petition Date, the Debtors commenced the Chapter 11 Cases. OnNovember 18, 2024, the Court entered an order [Docket No. 51] authorizing the jointadministration of the Chapter 11 Case in accordance with Bankruptcy Rule 1015(b). The Debtorshave operated their businesses and managed their properties as debtors in possession pursuant toCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 5 6 o of f1 133456sections 1107(a) and 1108 of the Bankruptcy Code. No trustee, examiner, or statutory committeehas been appointed in these Chapter 11 Cases.E. Adequacy of the Disclosure Statement.5. The Disclosure Statement and the exhibits contained therein (i) containssufficient information of a kind necessary to satisfy the disclosure requirements of applicablenonbankruptcy laws, rules and regulations, including the Securities Act; and (ii) contains“adequate information” as such term is defined in section 1125(a)(1) and used in section1126(b)(2) of the Bankruptcy Code, with respect to the Debtors, the Plan and the transactionscontemplated therein. The Filing of the Disclosure Statement satisfied Bankruptcy Rule 3016(b).The injunction, release, and exculpation provisions in the Plan and the Disclosure Statementdescribe, in bold font and with specific and conspicuous language, all acts to be enjoined andidentify the Entities that will be subject to the injunction, thereby satisfying Bankruptcy Rule3016(c).F. Solicitation.6. As described in and evidenced by the Voting Declaration, the Solicitationand the transmittal and service of the Solicitation Materials were: (i) timely, adequate, appropriate,and sufficient under the circumstances; and (ii) in compliance with sections 1125(g) and 1126(b)of the Bankruptcy Code, Bankruptcy Rules 3017 and 3018, the applicable Local Bankruptcy Rules,the Scheduling Order and all applicable nonbankruptcy rules, laws, and regulations applicable tothe Solicitation, including the registration requirements under the Securities Act. The SolicitationMaterials, including the Ballots and the Opt Out Form (as defined below), adequately informedthe holders of Claims entitled to vote on the Plan of the procedures and deadline for completingand submitting the Ballots.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 6 7 o of f1 1334577. The Debtors served the Combined Hearing Notice on the entire creditormatrix and served the Opt Out Form on all Non-Voting Classes. The Combined Hearing Noticeadequately informed Holders of Claims or Interests of critical information regarding voting on (ifapplicable) and objecting to the Plan, including deadlines and the inclusion of release, exculpation,and injunction provisions in the Plan, and adequately summarized the terms of the Third-PartyRelease. Further, because the form enabling stakeholders to opt out of the Third-Party Release (the“Opt Out Form”) was included in both the Ballots and the Opt Out Form, every known stakeholder,including unimpaired creditors was provided with the means by which the stakeholders could optout of the Third-Party Release. No further notice is required. The period for voting on the Planprovided a reasonable and sufficient period of time and the manner of such solicitation was anappropriate process allowing for such holders to make an informed decision.G. Tabulation.8. As described in and evidenced by the Voting Declaration, (i) the holders ofClaims in Class 3 (RCF Claims) and Class 5 (Notes Claims) are Impaired under the Plan(collectively, the “Voting Classes”) and have voted to accept the Plan in the numbers and amountsrequired by section 1126 of the Bankruptcy Code, and (ii) no Class that was entitled to vote on thePlan voted to reject the Plan. All procedures used to tabulate the votes on the Plan were in goodfaith, fair, reasonable, and conducted in accordance with the applicable provisions of theBankruptcy Code, the Bankruptcy Rules, the Local Rules, the Disclosure Statement, theScheduling Order, and all other applicable nonbankruptcy laws, rules, and regulations.H. Plan Supplement.9. On December 10, 2024, the Debtors Filed the Plan Supplement with theCourt. The Plan Supplement (including as subsequently modified, supplemented, or otherwiseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 7 8 o of f1 133458amended pursuant to a filing with the Court), complies with the terms of the Plan, and the Debtorsprovided good and proper notice of the filing in accordance with the Bankruptcy Code, theBankruptcy Rules, the Scheduling Order, and the facts and circumstances of the Chapter 11 Cases.All documents included in the Plan Supplement are integral to, part of, and incorporated byreference into the Plan. No other or further notice is or will be required with respect to the PlanSupplement. Subject to the terms of the Plan and the Lock-Up Agreement, and only consistenttherewith, the Debtors reserve the right to alter, amend, update, or modify the Plan Supplementand any of the documents contained therein or related thereto, in accordance with the Plan, on orbefore the Effective Date.I. Modifications to the Plan.10. Pursuant to section 1127 of the Bankruptcy Code, the modifications to thePlan described or set forth in this Combined Order constitute technical or clarifying changes,changes with respect to particular Claims by agreement with holders of such Claims, ormodifications that do not otherwise materially and adversely affect or change the treatment of anyother Claim or Interest under the Plan. These modifications are consistent with the disclosurespreviously made pursuant to the Disclosure Statement and Solicitation Materials, and notice ofthese modifications was adequate and appropriate under the facts and circumstances of the Chapter11 Cases. In accordance with Bankruptcy Rule 3019, these modifications do not require additionaldisclosure under section 1125 of the Bankruptcy Code or the resolicitation of votes under section1126 of the Bankruptcy Code, and they do not require that holders of Claims or Interests beafforded an opportunity to change previously cast acceptances or rejections of the Plan.Accordingly, the Plan is properly before this Court and all votes cast with respect to the Plan priorto such modification shall be binding and shall apply with respect to the Plan.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 8 9 o of f1 133459J. Objections Overruled.11. Any resolution or disposition of objections to Confirmation explained orotherwise ruled upon by the Court on the record at the Confirmation Hearing is herebyincorporated by reference. All unresolved objections, statements, joinders, informal objections,and reservations of rights are hereby overruled on the merits.K. Burden of Proof.12. The Debtors, as proponents of the Plan, have met their burden of provingthe elements of sections 1129(a) and 1129(b) of the Bankruptcy Code by a preponderance of theevidence, the applicable evidentiary standard for Confirmation. Further, the Debtors have proventhe elements of sections 1129(a) and 1129(b) by clear and convincing evidence. Each witness whotestified on behalf of the Debtors in connection with the Confirmation Hearing was credible,reliable, and qualified to testify as to the topics addressed in his testimony.L. Compliance with the Requirements of Section 1129 of the BankruptcyCode.13. The Plan complies with all applicable provisions of section 1129 of theBankruptcy Code as follows:a. Section 1129(a)(1) – Compliance of the Plan with Applicable Provisions of theBankruptcy Code.14. The Plan complies with all applicable provisions of the Bankruptcy Code,including sections 1122 and 1123, as required by section 1129(a)(1) of the Bankruptcy Code.i. Section 1122 and 1123(a)(1) – Proper Classification.15. The classification of Claims and Interests under the Plan is proper under theBankruptcy Code. In accordance with sections 1122(a) and 1123(a)(1) of the Bankruptcy Code,Article III of the Plan provides for the separate classification of Claims and Interests at each Debtorinto Classes, based on differences in the legal nature or priority of such Claims and Interests (otherCaCsaes e2 42-49-09507557 5 D oDcoucmumenetn 2t 9266-32 FFiilleedd iinn TTXXSSBB oonn 1021//3113//2245 PPaaggee 91 0o fo 1f 3143510than Administrative Claims, Professional Fee Claims, and Priority Tax Claims, which areaddressed in Article II of the Plan and Unimpaired, and are not required to be designated asseparate Classes in accordance with section 1123(a)(1) of the Bankruptcy Code). Valid business,factual, and legal reasons exist for the separate classification of the various Classes of Claims andInterests created under the Plan, the classifications were not implemented for any improperpurpose, and the creation of such Classes does not unfairly discriminate between or among holdersof Claims or Interests.16. In accordance with section 1122(a) of the Bankruptcy Code, each Class ofClaims or Interests contains only Claims or Interests substantially similar to the other Claims orInterests within that Class. Accordingly, the Plan satisfies the requirements of sections 1122(a),1122(b), and 1123(a)(1) of the Bankruptcy Codeii. Section 1123(a)(2) – Specifications of Unimpaired Classes.17. Article III of the Plan specifies that Claims and Interests in the classesdeemed to accept the Plan are Unimpaired under the Plan. Holders of Intercompany Claims andIntercompany Interests are either Unimpaired and conclusively presumed to have accepted thePlan, or are Impaired and deemed to reject (the “Deemed Rejecting Classes”) the Plan, and, ineither event, are not entitled to vote to accept or reject the Plan. In addition, Article II of the Planspecifies that Administrative Claims and Priority Tax Claims are Unimpaired, although the Plandoes not classify these Claims. Accordingly, the Plan satisfies the requirements of section1123(a)(2) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 101 o of f1 1334511iii. Section 1123(a)(3) – Specification of Treatment of Voting Classes18. Article III.B of the Plan specifies the treatment of each Voting Class underthe Plan – namely, Class 3 and Class 5. Accordingly, the Plan satisfies the requirements of section1123(a)(3) of the Bankruptcy Code.iv. Section 1123(a)(4) – No Discrimination.19. Article III of the Plan provides the same treatment to each Claim or Interestin any particular Class, as the case may be, unless the holder of a particular Claim or Interest hasagreed to a less favorable treatment with respect to such Claim or Interest. Accordingly, the Plansatisfies the requirements of section 1123(a)(4) of the Bankruptcy Code.v. Section 1123(a)(5) – Adequate Means for Plan Implementation.20. The Plan and the various documents included in the Plan Supplementprovide adequate and proper means for the Plan's execution and implementation, including: (a)the general settlement of Claims and Interests; (b) the restructuring of the Debtors' balance sheetand other financial transactions provided for by the Plan; (c) the consummation of the transactionscontemplated by the Plan, the Lock-Up Agreement, the Restructuring Implementation Deed andthe Agreed Steps Plan and other documents Filed as part of the Plan Supplement; (d) the issuanceof Exchange Notes, the New Money Notes, and the Noteholder Ordinary Shares pursuant to thePlan; (e) the amendment of the Intercreditor Agreement; (f) the amendment of the FacilityAgreement; (g) the amendment of the Senior Secured Term Loan Agreement; (h) theconsummation of the Rights Offering in accordance with the Plan, Rights Offering Documentsand the Lock-Up Agreement; (i) the granting of all Liens and security interests granted orconfirmed (as applicable) pursuant to, or in connection with, the Facility Agreement, the ExchangeNotes Indenture, the New Money Notes Indenture, the amended Intercreditor Agreement and theCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 112 o of f1 1334512Senior Secured Term Loan Agreement pursuant to the New Security Documents (including anyLiens and security interests granted or confirmed (as applicable) on the Reorganized Debtors'assets); (j) the vesting of the assets of the Debtors' Estates in the Reorganized Debtors; (k) theconsummation of the corporate reorganization contemplated by the Plan, the Lock-Up Agreement,the Agreed Steps Plan and the Master Reorganization Agreement (as defined in the RestructuringImplementation Deed); and (l) the execution, delivery, filing, or recording of all contracts,instruments, releases, and other agreements or documents in furtherance of the Plan. Accordingly,the Plan satisfies the requirements of section 1123(a)(5) of the Bankruptcy Codevi. Section 1123(a)(6) – Non-Voting Equity Securities.21. The Company's organizational documents in accordance with the SwedishCompanies Act, Ch. 4, Sec 5 and the Plan prohibit the issuance of non-voting securities as of theEffective Date to the extent required to comply with section 1123(a)(6) of the Bankruptcy Code.Accordingly, the Plan satisfies the requirements of section 1123(a)(6) of the Bankruptcy Code.vii. Section 1123(a)(7) – Directors, Officers, and Trustees.22. The manner of selection of any officer, director, or trustee (or any successorto and such officer, director, or trustee) of the Reorganized Debtors will be determined inaccordance with the existing organizational documents, which is consistent with the interests ofcreditors and equity holders and with public policy. Accordingly, the Plan satisfies therequirements of section 1123(a)(7) of the Bankruptcy Code.b. Section 1123(b) – Discretionary Contents of the Plan23. The Plan contains various provisions that may be construed as discretionarybut not necessary for Confirmation under the Bankruptcy Code. Any such discretionary provisionCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 123 o of f1 1334513complies with section 1123(b) of the Bankruptcy Code and is not inconsistent with the applicableprovisions of the Bankruptcy Code. Thus, the Plan satisfies section 1123(b).i. Section 1123(b)(1) – Impairment/Unimpairment of Any Class of Claims orInterests24. Article III of the Plan impairs or leaves unimpaired, as the case may be,each Class of Claims or Interests, as contemplated by section 1123(b)(1) of the Bankruptcy Code.ii. Section 1123(b)(2) – Assumption and Rejection of Executory Contracts andUnexpired Leases25. Article V of the Plan provides for the assumption of the Debtors' ExecutoryContracts and Unexpired Leases as of the Effective Date unless such Executory Contract orUnexpired Lease: (a) is identified on the Rejected Executory Contract and Unexpired Lease List;(b) has been previously rejected by a Final Order; (c) is the subject of a motion to reject ExecutoryContracts or Unexpired Leases that is pending on the Confirmation Date; or (4) is subject to amotion to reject an Executory Contract or Unexpired Lease pursuant to which the requestedeffective date of such rejection is after the Effective Date. Thus, the Plan satisfies section1123(b)(2).iii. Compromise and Settlement26. In accordance with section 1123(b)(3)(A) of the Bankruptcy Code andBankruptcy Rule 9019, and in consideration for the distributions and other benefits provided underthe Plan, the provisions of the Plan constitute a good-faith compromise of all Claims, Interests,and controversies relating to the contractual, legal, and subordination rights that all holders ofClaims or Interests may have with respect to any Allowed Claim or Interest or any distribution tobe made on account of such Allowed Claim or Interest. Such compromise and settlement is theproduct of extensive arm's-length, good faith negotiations that, in addition to the Plan, resulted inCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 134 o of f1 1334514the execution of the Lock-Up Agreement, which represents a fair and reasonable compromise ofall Claims, Interests, and controversies and entry into which represented a sound exercise of theDebtors' business judgment. Such compromise and settlement is fair, equitable, and reasonableand in the best interests of the Debtors and their Estates.27. The releases of the Debtors' directors and officers are an integral componentof the settlements and compromises embodied in the Plan. The Debtors' directors and officers: (a)made a substantial and valuable contribution to the Debtors' restructuring, including extensive preandpost-Petition Date negotiations with stakeholder groups, and ensured the uninterruptedoperation of the Debtors' businesses during the Chapter 11 Cases; (b) invested significant timeand effort to make the restructuring a success and maximize the value of the Debtors' businessesin a challenging operating environment; (c) attended and, in certain instances, testified atdepositions and Court hearings; (d) attended and participated in numerous stakeholder meetings,management meetings, and board meetings related to the restructuring; (e) are entitled toindemnification from the Debtors under applicable non-bankruptcy law, organizationaldocuments, and agreements; (f) invested significant time and effort in the preparation of the Lock-Up Agreement, the Plan, Disclosure Statement, all supporting analyses, and the numerous otherpleadings Filed in the Chapter 11 Cases, thereby ensuring the smooth administration of the Chapter11 Cases; and (g) are entitled to all other benefits under any employment contracts existing as ofthe Petition Date. Litigation by the Debtors or other Releasing Parties against the Debtors'directors and officers would be a distraction to the Debtors' business and restructuring and woulddecrease rather than increase the value of the estates. The releases of the Debtors' directors andofficers contained in the Plan have the consent of the Debtors and the Releasing Parties and are inthe best interests of the estates.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 145 o of f1 1334515iv. Debtor Release28. The releases of claims and Causes of Action by the Debtors, ReorganizedDebtors, and their Estates described in Article VIII.C of the Plan in accordance with section1123(b) of the Bankruptcy Code (the “Debtor Release”) represent a valid exercise of the Debtors'business judgment under Bankruptcy Rule 9019. The Debtors' or the Reorganized Debtors' pursuitof any such claims against the Released Parties is not in the best interests of the Estates' variousconstituencies because the costs involved would outweigh any potential benefit from pursuingsuch claims. The Debtor Release is fair and equitable and complies with the absolute priority rule.29. The Debtor Release is (a) an integral part of the Plan, and a component ofthe comprehensive settlement implemented under the Plan; (b) in exchange for the good andvaluable consideration provided by the Released Parties; (c) a good faith settlement andcompromise of the claims and Causes of Action released by the Debtor Release; (d) materiallybeneficial to, and in the best interests of, the Debtors, their Estates, and their stakeholders, and isimportant to the overall objectives of the Plan to finally resolve certain Claims among or againstcertain parties in interest in the Chapter 11 Cases; (e) fair, equitable, and reasonable; (f) given andmade after due notice and opportunity for hearing; and (g) a bar to any Debtor asserting any claimor Cause of Action released by the Debtor Release against any of the Released Parties. Theprobability of success in litigation with respect to the released claims and Causes of Action, whenweighed against the costs, supports the Debtor Release. With respect to each of these potentialCauses of Action, the parties could assert colorable defenses and the probability of success isuncertain. The Debtors' or the Reorganized Debtors' pursuit of any such claims or Causes ofAction against the Released Parties is not in the best interests of the Estates or the Debtors' variousCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 156 o of f1 1334516constituencies because the costs involved would likely outweigh any potential benefit frompursuing such claims or Causes of Action30. Holders of Claims and Interests entitled to vote have overwhelmingly votedin favor of the Plan, including the Debtor Release. The Plan, including the Debtor Release, wasnegotiated before and after the Petition Date by sophisticated parties represented by able counseland advisors, including the Consenting Creditors. The Debtor Release is therefore the result of ahard fought and arm's-length negotiation process conducted in good faith.31. The Debtor Release appropriately offers protection to parties thatparticipated in the Debtors' restructuring process, including the Consenting Creditors, whoseparticipation in the Chapter 11 Cases is critical to the Debtors' successful emergence frombankruptcy. Specifically, the Released Parties, including the Consenting Creditors, madesignificant concessions and contributions to the Chapter 11 Cases, including, entering into theLock-Up Agreement and related agreements, supporting the Plan and the Chapter 11 Cases, andwaiving or agreeing to impair substantial rights and Claims against the Debtors under the Plan (aspart of the compromises composing the settlement underlying the revised Plan) in order tofacilitate a consensual reorganization and the Debtors' emergence from chapter 11. The DebtorRelease for the Debtors' directors and officers is appropriate because the Debtors' directors andofficers share an identity of interest with the Debtors and, as previously stated, supported and madesubstantial contributions to the success of the Plan, the Chapter 11 Cases, and operation of theDebtors' business during the Chapter 11 Cases, actively participated in meetings, negotiations, andimplementation during the Chapter 11 Cases, and have provided other valuable consideration tothe Debtors to facilitate the Debtors' successful reorganization and continued operation.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 167 o of f1 133451732. The scope of the Debtor Release is appropriately tailored under the factsand circumstances of the Chapter 11 Cases. In light of, among other things, the value provided bythe Released Parties to the Debtors' Estates and the critical nature of the Debtor Release to thePlan, the Debtor Release is appropriate.v. Release by Holders of Claims and Interests33. The release by the Releasing Parties (the “Third-Party Release”), set forthin Article VIII.D of the Plan, is an essential provision of the Plan. The Third-Party Release is: (a)consensual as to those Releasing Parties that did not specifically and timely object or properly optout from the Third-Party Release; (b) within the jurisdiction of the Bankruptcy Court pursuant to28 U.S.C. § 1334; (c) in exchange for the good and valuable consideration provided by theReleased Parties; (d) a good faith settlement and compromise of the claims and Causes of Actionreleased by the Third-Party Release; (e) materially beneficial to, and in the best interests of, theDebtors, their Estates, and their stakeholders, and is important to the overall objectives of the Planto finally resolve certain Claims among or against certain parties in interest in the Chapter 11Cases; (f) fair, equitable, and reasonable; (g) given and made after due notice and opportunity forhearing; (h) appropriately narrow in scope given that it expressly excludes, among other things,any Cause of Action that is judicially determined by a Final Order to have constituted actual fraud,willful misconduct, or gross negligence; (i) a bar to any of the Releasing Parties asserting anyclaim or Cause of Action released by the Third-Party Release against any of the Released Parties;and (j) consistent with sections 105, 524, 1123, 1129, and 1141 and other applicable provisions ofthe Bankruptcy Code.34. The Third-Party Release is an integral part of the agreement embodied inthe Plan among the relevant parties in interest. Like the Debtor Release, the Third-Party ReleaseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 178 o of f1 1334518facilitated participation in both the Debtors' Plan and the chapter 11 process generally. The Third-Party Release is instrumental to the Plan and was critical in incentivizing parties to support thePlan and preventing significant and time-consuming litigation regarding the parties' respectiverights and interests. The Third-Party Release was a core negotiation point in connection with thePlan and instrumental in developing the Plan that maximized value for all of the Debtors'stakeholders and kept the Debtors intact as a going concern. As such, the Third-Party Releaseappropriately offers certain protections to parties who constructively participated in the Debtors'restructuring process—including the Consenting Creditors (as set forth above)—by, among otherthings, facilitating the negotiation and consummation of the Plan, supporting the Plan and, in thecase of the Backstop Providers, committing to provide new capital to facilitate the Debtors'emergence from chapter 11. Specifically, the Notes Ad Hoc Group proposed and negotiated thepari passu transaction that is the basis of the restructuring proposed under the Plan and provideda much-needed deleveraging to the Debtors' business while taking a discount on their Claims (inexchange for other consideration).35. Furthermore, the Third-Party Release is consensual as to all parties ininterest, including all Releasing Parties, and such parties in interest were provided notice of thechapter 11 proceedings, the Plan, the deadline to object to confirmation of the Plan, and theCombined Hearing and were properly informed that all holders of Claims against or Interests inthe Debtors that did not file an objection with the Court in the Chapter 11 Cases that included anexpress objection to the inclusion of such holder as a Releasing Party under the provisionscontained in Article VIII of the Plan would be deemed to have expressly, unconditionally,generally, individually, and collectively consented to the release and discharge of all claims andCauses of Action against the Debtors and the Released Parties. Additionally, the release provisionsCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 189 o of f1 1334519of the Plan were conspicuous, emphasized with boldface type in the Plan, the DisclosureStatement, the Ballots, and the applicable notices. Except as set forth in the Plan, all ReleasingParties were properly informed that unless they (a) checked the “opt out” box on the applicableBallot or opt-out form and returned the same in advance of the Voting Deadline, as applicable, or(b) timely Filed an objection to the releases contained in the Plan that was not resolved beforeentry of this Confirmation Order, they would be deemed to have expressly consented to the releaseof all Claims and Causes of Action against the Released Parties.36. The Ballots sent to all holders of Claims and Interests entitled to vote, aswell as the notice of the Combined Hearing sent to all known parties in interest (including thosenot entitled to vote on the Plan), unambiguously provided in bold letters that the Third-PartyRelease was contained in the Plan.37. The scope of the Third-Party Release is appropriately tailored under thefacts and circumstances of the Chapter 11 Cases, and parties in interest received due and adequatenotice of the Third-Party Release. Among other things, the Plan provides appropriate and specificdisclosure with respect to the claims and Causes of Action that are subject to the Third-PartyRelease, and no other disclosure is necessary. The Debtors, as evidenced by the VotingDeclaration and Certificate of Publication, including by providing actual notice to all knownparties in interest, including all known holders of Claims against, and Interests in, any Debtor andpublishing notice in international and national publications for the benefit of unknown parties ininterest, provided sufficient notice of the Third-Party Release, and no further or other notice isnecessary. The Third-Party Release is designed to provide finality for the Debtors, theReorganized Debtors and the Released Parties regarding the parties' respective obligations underthe Plan. For the avoidance of doubt, and notwithstanding anything to the contrary, anyparty who timely opted-out of the Third-Party Release is not bound by the Third-PartyRelease.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 290 o of f1 133452038. The Third-Party Release is specific in language, integral to the Plan, andgiven for substantial consideration. The Releasing Parties were given due and adequate notice ofthe Third-Party Release, and thus the Third-Party Release is consensual under controllingprecedent as to those Releasing Parties that did not specifically and timely object. In light of,among other things, the value provided by the Released Parties to the Debtors' Estates and theconsensual and critical nature of the Third-Party Release to the Plan, the Third-Party Release isappropriatevi. Exculpation.39. The exculpation described in Article VIII.E of the Plan (the “Exculpation”)is appropriate under applicable law, including In re Highland Capital Mgmt., L.P., 48 F. 4th 419(5th Cir. 2022), because it was supported by proper evidence, proposed in good faith, wasformulated following extensive good-faith, arm's-length negotiations with key constituents, and isappropriately limited in scope.40. No Entity or Person may commence or continue any action, employ anyprocess, or take any other act to pursue, collect, recover or offset any Claim, Interest, debt,obligation, or Cause of Action relating or reasonably likely to relate to any act or commission inconnection with, relating to, or arising out of a Covered Matter (including one that alleges theactual fraud, gross negligence, or willful misconduct of a Covered Entity), unless expresslyauthorized by the Bankruptcy Court after (1) it determines, after a notice and a hearing, such Claim,Interest, debt, obligation, or Cause of Action is colorable and (2) it specifically authorizes suchEntity or Person to bring such Claim or Cause of Action. The Bankruptcy Court shall have soleand exclusive jurisdiction to determine whether any such Claim, Interest, debt, obligation or Causeof Action is colorable and, only to the extent legally permissible and as provided for in Article XI,CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 201 o of f1 1334521shall have jurisdiction to adjudicate such underlying colorable Claim, Interest, debt, obligation, orCause of Action.vii. Injunction.41. The injunction provisions set forth in Article VIII.F of the Plan are essentialto the Plan and are necessary to implement the Plan and to preserve and enforce the discharge,Debtor Release, the Third-Party Release, and the Exculpation provisions in Article VIII of thePlan. The injunction provisions are appropriately tailored to achieve those purposes.viii. Preservation of Claims and Causes of Action.42. Article IV.L of the Plan appropriately provides for the preservation by theDebtors of certain Causes of Action in accordance with section 1123(b) of the Bankruptcy Code.Causes of Action not released by the Debtors or exculpated under the Plan will be retained by theReorganized Debtors as provided by the Plan. The Plan is sufficiently specific with respect to theCauses of Action to be retained by the Debtors, and the Plan and Plan Supplement providemeaningful disclosure with respect to the potential Causes of Action that the Debtors may retain,and all parties in interest received adequate notice with respect to such retained Causes of Action.The provisions regarding Causes of Action in the Plan are appropriate and in the best interests ofthe Debtors, their respective Estates, and holders of Claims or Interests. For the avoidance of anydoubt, Causes of Action released or exculpated under the Plan will not be retained by theReorganized Debtors.c. Section 1123(d) – Cure of Defaults43. Article V.D of the Plan provides for the satisfaction of Cure Claimsassociated with each Executory Contract and Unexpired Lease to be assumed in accordance withsection 365(b)(1) of the Bankruptcy Code. Any monetary defaults under each assumed ExecutoryCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 212 o of f1 1334522Contract or Unexpired Lease shall be satisfied, pursuant to section 365(b)(1) of the BankruptcyCode, by payment of the default amount in Cash on the Effective Date, subject to the limitationsdescribed in Article V.D of the Plan, or on such other terms as the parties to such ExecutoryContracts or Unexpired Leases may otherwise agree. Any Disputed Cure Amounts will bedetermined in accordance with the procedures set forth in Article V.D of the Plan, and applicablebankruptcy and nonbankruptcy law. As such, the Plan provides that the Debtors will Cure, orprovide adequate assurance that the Debtors will promptly Cure, defaults with respect to assumedExecutory Contracts and Unexpired Leases in accordance with section 365(b)(1) of theBankruptcy Code. Thus, the Plan complies with section 1123(d) of the Bankruptcy Code.d. Section 1129(a)(2) – Compliance of the Debtors and Others with the ApplicableProvisions of the Bankruptcy Code.44. The Debtors, as proponents of the Plan, have complied with all applicableprovisions of the Bankruptcy Code as required by section 1129(a)(2) of the Bankruptcy Code,including sections 1122, 1123, 1124, 1125, 1126, and 1128, and Bankruptcy Rules 3017, 3018,and 3019.e. Section 1129(a)(3) – Proposal of Plan in Good Faith.45. The Debtors have proposed the Plan in good faith, in accordance with theBankruptcy Code requirements, and not by any means forbidden by law. In determining that thePlan has been proposed in good faith, the Court has examined the totality of the circumstancesfiling of the Chapter 11 Cases, including the formation of Intrum AB of Texas LLC (“IntrumTexas”), the Plan itself, and the process leading to its formulation. The Debtors' good faith isevident from the facts and record of the Chapter 11 Cases, the Disclosure Statement, and the recordof the Combined Hearing and other proceedings held in the Chapter 11 CasesCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 223 o of f1 133452346. The Plan (including the Plan Supplement and all other documents necessaryto effectuate the Plan) is the product of good faith, arm's-length negotiations by and among theDebtors, the Debtors' directors and officers and the Debtors' key stakeholders, including theConsenting Creditors and each of their respective professionals. The Plan itself and the processleading to its formulation provide independent evidence of the Debtors' and such other parties'good faith, serve the public interest, and assure fair treatment of holders of Claims or Interests.Consistent with the overriding purpose of chapter 11, the Debtors Filed the Chapter 11 Cases withthe belief that the Debtors were in need of reorganization and the Plan was negotiated and proposedwith the intention of accomplishing a successful reorganization and maximizing stakeholder value,and for no ulterior purpose. Accordingly, the requirements of section 1129(a)(3) of the BankruptcyCode are satisfied.f. Section 1129(a)(4) – Court Approval of Certain Payments as Reasonable.47. Any payment made or to be made by the Debtors, or by a person issuingsecurities or acquiring property under the Plan, for services or costs and expenses in connectionwith the Chapter 11 Cases, or in connection with the Plan and incident to the Chapter 11 Cases,has been approved by, or is subject to the approval of, the Court as reasonable. Accordingly, thePlan satisfies the requirements of section 1129(a)(4).g. Section 1129(a)(5)—Disclosure of Directors and Officers and Consistency with theInterests of Creditors and Public Policy.48. The identities of or process for appointment of the Reorganized Debtors'directors and officers proposed to serve after the Effective Date were disclosed in the PlanSupplement in advance of the Combined Hearing. Accordingly, the Debtors have satisfied therequirements of section 1129(a)(5) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 234 o of f1 1334524h. Section 1129(a)(6)—Rate Changes.49. The Plan does not contain any rate changes subject to the jurisdiction of anygovernmental regulatory commission and therefore will not require governmental regulatoryapproval. Therefore, section 1129(a)(6) of the Bankruptcy Code does not apply to the Plan.i. Section 1129(a)(7)—Best Interests of Holders of Claims and Interests.50. The liquidation analysis attached as Exhibit D to the Disclosure Statementand the other evidence in support of the Plan that was proffered or adduced at the CombinedHearing, and the facts and circumstances of the Chapter 11 Cases are (a) reasonable, persuasive,credible, and accurate as of the dates such analysis or evidence was prepared, presented orproffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c) have not beencontroverted by other evidence; and (d) establish that each holder of Allowed Claims or Interestsin each Class will recover as much or more value under the Plan on account of such Claim orInterest, as of the Effective Date, than the amount such holder would receive if the Debtors wereliquidated on the Effective Date under chapter 7 of the Bankruptcy Code or has accepted the Plan.As a result, the Debtors have demonstrated that the Plan is in the best interests of their creditorsand equity holders and the requirements of section 1129(a)(7) of the Bankruptcy Code are satisfied.j. Section 1129(a)(8)—Conclusive Presumption of Acceptance by UnimpairedClasses; Acceptance of the Plan by Certain Voting Classes.51. The classes deemed to accept the Plan are Unimpaired under the Plan andare deemed to have accepted the Plan pursuant to section 1126(f) of the Bankruptcy Code. EachVoting Class voted to accept the Plan. For the avoidance of doubt, however, even if section1129(a)(8) has not been satisfied with respect to all of the Debtors, the Plan is confirmable becausethe Plan does not discriminate unfairly and is fair and equitable with respect to the Voting Classesand thus satisfies section 1129(b) of the Bankruptcy Code with respect to such Classes as describedCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 245 o of f1 1334525further below. As a result, the requirements of section 1129(b) of the Bankruptcy Code are alsosatisfied.k. Section 1129(a)(9)—Treatment of Claims Entitled to Priority Pursuant to Section507(a) of the Bankruptcy Code.52. The treatment of Administrative Claims, Professional Fee Claims, andPriority Tax Claims under Article II of the Plan satisfies the requirements of, and complies in allrespects with, section 1129(a)(9) of the Bankruptcy Code.l. Section 1129(a)(10)—Acceptance by at Least One Voting Class.53. As set forth in the Voting Declaration, all Voting Classes overwhelminglyvoted to accept the Plan. As such, there is at least one Voting Class that has accepted the Plan,determined without including any acceptance of the Plan by any insider (as defined by theBankruptcy Code), for each Debtor. Accordingly, the requirements of section 1129(a)(10) of theBankruptcy Code are satisfied.m. Section 1129(a)(11)—Feasibility of the Plan.54. The Plan satisfies section 1129(a)(11) of the Bankruptcy Code. Thefinancial projections attached to the Disclosure Statement as Exhibit D and the other evidencesupporting the Plan proffered or adduced by the Debtors at or before the Combined Hearing: (a)is reasonable, persuasive, credible, and accurate as of the dates such evidence was prepared,presented, or proffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c)has not been controverted by other persuasive evidence; (d) establishes that the Plan is feasibleand Confirmation of the Plan is not likely to be followed by liquidation or the need for furtherfinancial reorganization; (e) establishes that the Debtors will have sufficient funds available tomeet their obligations under the Plan and in the ordinary course of business—including sufficientamounts of Cash to reasonably ensure payment of Allowed Claims that will receive CashCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 256 o of f1 1334526distributions pursuant to the terms of the Plan and other Cash payments required under the Plan;and (f) establishes that the Debtors or the Reorganized Debtors, as applicable, will have thefinancial wherewithal to pay any Claims that accrue, become payable, or are allowed by FinalOrder following the Effective Date. Accordingly, the Plan satisfies the requirements of section1129(a)(11) of the Bankruptcy Code.n. Section 1129(a)(12)—Payment of Statutory Fees.55. Article XII.C of the Plan provides that all fees payable pursuant to section1930(a) of the Judicial Code, as determined by the Court at the Confirmation Hearing inaccordance with section 1128 of the Bankruptcy Code, will be paid by each of the applicableReorganized Debtors for each quarter (including any fraction of a quarter) until the Chapter 11Cases are converted, dismissed, or closed, whichever occurs first. Accordingly, the Plan satisfiesthe requirements of section 1129(a)(12) of the Bankruptcy Code.o. Section 1129(a)(13)—Retiree Benefits.56. Pursuant to section 1129(a)(13) of the Bankruptcy Code, and as provided inArticle IV.K of the Plan, the Reorganized Debtors will continue to pay all obligations on accountof retiree benefits (as such term is used in section 1114 of the Bankruptcy Code) on and after theEffective Date in accordance with applicable law. As a result, the requirements of section1129(a)(13) of the Bankruptcy Code are satisfied.p. Sections 1129(a)(14), (15), and (16)—Domestic Support Obligations, Individuals,and Nonprofit Corporations.57. The Debtors do not owe any domestic support obligations, are notindividuals, and are not nonprofit corporations. Therefore, sections 1129(a)(14), 1129(a)(15), and1129(a)(16) of the Bankruptcy Code do not apply to the Chapter 11 Cases.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 267 o of f1 1334527q. Section 1129(b)—Confirmation of the Plan Over Nonacceptance of VotingClasses.58. No Classes rejected the Plan, and section 1129(b) is not applicable here,but even if it were, the Plan may be confirmed pursuant to section 1129(b)(1) of the BankruptcyCode because the Plan is fair and equitable with respect to the Deemed Rejecting Classes. ThePlan has been proposed in good faith, is reasonable, and meets the requirements and all VotingClasses have voted to accept the Plan. The treatment of Intercompany Claims and IntercompanyInterests under the Plan provides for administrative convenience does not constitute a distributionunder the Plan on account of suc

united states america ceo new york director time new year texas europe action law service state new york times russia office failure ny russian board dc plan class professional financial judge congress record security code court supreme court llc employees sweden tx capital rights wall street journal treatments cure consistency euro surrender proof principal acceptance rejection attorney norway agent stock judgment swedish sec markets powers relief motion delivery claim consistent stockholm account parties conditions payments burden claims compliance contracts individuals appeal estate considerations supplements proposal assets releases compromise classes professionals allowed distribution public policy aa lp requirements consent declaration satisfaction trustees launched regulations subject stern file stays interpretation entry map document retention preserving ruling certificates documents bankruptcy d d bb implementation rand lowe counsel disclosure main street purdue confirmation positions effectiveness cc circuit preservation alvarez persons denied object esq cooperation holder affiliate contribution officers lien elimination ee interests 1b agreements schedules findings sas expenses reasonable instruments valid venue rubio securities litigation withdrawal objections interpreting cancellation nominees absent filing assumption cures publication eligibility ff conclusions manner entity ballots nominee clause leblanc rothschild classification voluntary entities sw restructuring proceedings citibank waiver united states supreme court coupled liens llp commencement robert johnson sections amendments objection lender reservation filed lenders termination allocation exchange commission estates successors tex ste latham affiliates district court discharge allowance nw holders neil gorsuch 1a proofs petitions dismissal exemption kroll dismiss liabilities southern district insurance policies united states constitution substantial mailing modification reimbursement insurers modifications purdue pharma memorandum authorization russian federation jurisdiction whitlock reinstated debtors comb liquidation impaired computation remainder heeding defaults sek affidavit good faith feasibility incase specifications insolvency distributions incorporation estimation injunction cir bad faith disputed consummation 70m creditors lindquist third parties fifth circuit debtor reinstate united states district court sio case management confirmation hearing amended reinstatement insurer reorganization fof avianca reversion consummate revocation tranche forthe bankr issuance solicitation article ii ltl best interests eurobonds k street vesting business day article v federal rules rcf exhibit c article iii adequacy applicability civil procedure pursuant third circuit case no injunctions 23f purchase price ahc payable bankruptcy court regulation d 44b securities act capitalized 42k 24a 24b bankruptcy code article iv 27a united states code ad hoc committee business days article vi holdco united states securities 33a 27b final order intrum uniform commercial code insurance carriers 5h oid estoppel subsection exhibit b philippine airlines bloomberg l theunited states this court docket no 48h new york law texas council i10 no discrimination mtns united states bankruptcy court little creek comity i6 quinn emanuel urquhart watkins llp 40f 26c restatements a-class i19
Bankadelic: The colorful side of finance
LIVE FROM MONEY 20/20 EPISODE 9: COMMUNITY BANKS MEET CONSUMMATE TECH

Bankadelic: The colorful side of finance

Play Episode Listen Later Oct 30, 2024 23:34


In a series of podcasts taped live at 2024's Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. Live from the Press Lounge, Kristina Morris -- Director of Innovation for the Independent Community Bankers of America -- talks about how community banks have not only embraced fintech, but have proven willing and energetic partners in pushing the needle forward in tech-banking teamwork.

Elk Grove News
Elk Grove's consummate band waggoneer

Elk Grove News

Play Episode Listen Later Aug 16, 2024 1:00


Two traits of successful politicians are timing and exploiting opportunities. One Elk Grove elected official is proving to be a master of both as they jump on the latest bandwagon. Band Wagonneer is a real word! --- Support this podcast: https://podcasters.spotify.com/pod/show/elk-grove-news/support

Consummate Athlete Podcast
Recovery, Injuries & Stage Racing

Consummate Athlete Podcast

Play Episode Listen Later Aug 6, 2024 52:37


Molly Hurford and Peter Glassford discuss a few listener question around best strategies for recovery, injury prevention and different routines for both while at a stage race. This Episode is brought to you by AG1- drinkAG1.com/MOLLYH – to receive your bonus of a free 1-year supply of Vitamin D and 5 Free Travel Packs   This Episode is brought to you by Consummate Athlete Event and Goal Based Training Plans, available in the Training Peaks Store. This ready to go plans are available to start whenever you are and provide a valuable and proven workouts to guide you to your goal or event. Use Code ‘CAPOD' to get 25% of any of the plans . bit.ly/PGPLANS Download  Find links to your favorite Podcast App (remember to rate and review!) https://pod.link/1100471297   Watch The Consummate Athlete Podcast on Youtube HERE Show Notes Book 'good to go' https://amzn.to/4cjYcKd by Christie Aschwanden   Greg Lehman episodes and posts on Consummate Athlete   Chris Johnson PT Episodes on Consummate athlete   Consummate Athlete Event and Goal Based Training Plans, available in the Training Peaks Store. Use Code ‘CAPOD' to get 25% of any of the plans . bit.ly/PGPLANS   SUPPORT THE SHOW Use this link to support the show (for free!) while you shop: https://amzn.to/3Aej4jl This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate Athlete – These popular plans are made from scratch for you to fit your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/   Connect with Molly & Peter Subscribe to our Newsletter Book a Consultation – https://calendly.com/smartathlete Books By Molly Hurford https://amzn.to/3bOztkN Get The Consummate Athlete Book Follow The Consummate Athlete on Instagram and Facebook Follow Molly Hurford on Instagram Follow @PeterGlassford on Instagram Consummate Athlete Links for Coaching and other services   Past guests: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini, Katerina Nash, Kelly Starrett, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein ,Kelly Starrett, Juliet Starrett, and many more

Dear Future Wifey
Wait to Consummate (Guests: Dre & Breanna Smith)

Dear Future Wifey

Play Episode Listen Later May 29, 2024 117:00


Accountability takes centerstage in this transformative episode with Dre and Breanna Smith. Married less than 4 years, their road to "I do" was a journey of healing, patience, and restorative love. Watch and see how God brought deliverance to their lives and how they made a promise to "Wait to Consummate." CONNECT WITH OUR GUEST https://www.instagram.com/itsdresmith https://www.instagram.com/breannaaponte RESERVE A SPOT AT THE CLARITY RETREAT https://icwtt.com/group-trips/ SIGN UP FOR THE MAILING LIST https://bit.ly/LRWconnection PURCHASE "YOU (Dear Future Wifey)" Theme Song http://itunes.apple.com/album/id/1729993404 DONATE TO KINGDOM ROYALE: "Where foster kids become royalty." https://www.KingdomRoyale.com DEAR FUTURE WIFEY MERCH https://www.DearFutureWifey.com  See omnystudio.com/listener for privacy information.

WTA Insider Podcast
In Conversation: Maria Sakkari is the consummate professional

WTA Insider Podcast

Play Episode Listen Later May 12, 2024 15:57


As the Hologic WTA Tour winds through the clay season, Maria Sakkari joins the podcast to discuss the realities of life as a touring professional. From reviewing invoices to enduring daily performance reviews, sometimes a job is still just a job.

Kansas City's Northeast Newscast
335: SPECIAL EDITION of Arrow Rock: Celebrating Joseph 'Doc' Brown in 'Consummate Showman'

Kansas City's Northeast Newscast

Play Episode Listen Later May 1, 2024 37:51


This week we sit down with Kansas City Museum's Director of Inclusive Learning & Creative Impact Glenn North and discuss his upcoming Reader's Theater production at the Arrow Rock, Missouri schoolhouse as part of the Voices of Arrow Rock series. Entitled “Consumate Showman” it is written by North and features New York based Actor and theater owner Darryl Reuben Hall, the piece profiles the life of champion cakewalker, Arrow Rock native and later Kansas Citian, Joseph “Doc' Brown from his time in Arrow Rock through his rise to prominence as the premier cakewalker in the country. 

Lionel Nation
Fani Willis: The Consummate Liar Thinks She Got Away With Murder

Lionel Nation

Play Episode Listen Later Mar 19, 2024 25:21


Fani Willis: The Consummate Liar Thinks She Got Away With Murder

Yeshiva of Newark Podcast
On Principle Special-Episode 98-Jews You Should Know-The Yiddish Scholar, Political Observer and Consummate Professor: A Conversation with Ruth Wisse

Yeshiva of Newark Podcast

Play Episode Listen Later Mar 4, 2024 78:41


Please click on this link to contribute whatever you can to keep this podcast on the air: https://thechesedfund.com/yeshivaofnewarkpodcast/keeping-the-ark-afloat With downloads approaching the million mark-and an archival library numbering in the thousands, the Yeshiva of Newark Podcast has been striving to continuously upgrade our content, and professionalize our audio sound, along with altering approaches in light of much appreciated listener feedback.  A niche has been carved out that resonates with many on the wide spectrum of Observant Jews.  This explains why we continually rank high in independent on-line lists of top Yeshiva podcasts.  This proud edifice is in real danger of toppling and disappearing. We need the help of our listeners to continue to record and edit, and to promote a product that has been a balm and instructive to so many.  Just 36 dollars, a minimum donation, from a thousand of you out there will keep us afloat as a New Ark of straight, intelligent, and humorous discussion, lectures, debate and inquiry - while the destructive waters of ignorance and politics crash around us. ABOUT THIS EPISODE Ruth Wisse is one of the great modern scholars of Yiddish literature. A distinguished career at McGill and Harvard Universities has now led to her current engagement with Tikvah, a Jewish-conservative think tank and educational outfit. Professor Wisse has authored many books, and written widely on political affairs in addition to her native areas of scholarly expertise. Her extensive ouvre can be reviewed here: https://harvard.academia.edu/RuthRWisse --------------------- ABOUT THIS PODCAST Jews You Should Know introduces the broader community to interesting and inspiring Jewish men and women making a difference in our world. Some are already famous, some not yet so. But each is a Jew You Should Know. The host, Rabbi Ari Koretzky, is Executive Director of MEOR Maryland (www.meormd.org), a premier Jewish outreach and educational organization. MEOR operates nationally on twenty campuses and in Manhattan; visit the national website at www.meor.org. Please visit www.JewsYouShouldKnow.com, follow us on Twitter @JewsUShouldKnow or on Facebook. Have feedback for the show, or suggestions for future guests? E-mail us at JewsYouShouldKnow@gmail.com. A special thank you to Jacob Rupp of the Lift Your Legacy podcast for his invaluable production assistance. This podcast has been graciously sponsored by JewishPodcasts.fm. There is much overhead to maintain this service so please help us continue our goal of helping Jewish lecturers become podcasters and support us with a donation: https://thechesedfund.com/jewishpodcasts/donate

Jews You Should Know
Episode 204 - The Yiddish Scholar, Political Observer and Consummate Professor: A Conversation with Ruth Wisse

Jews You Should Know

Play Episode Listen Later Mar 3, 2024 75:15


ABOUT THIS EPISODE Ruth Wisse is one of the great modern scholars of Yiddish literature. A distinguished career at McGill and Harvard Universities has now led to her current engagement with Tikvah, a Jewish-conservative think tank and educational outfit. Professor Wisse has authored many books, and written widely on political affairs in addition to her native areas of scholarly expertise. Her extensive ouvre can be reviewed here: https://harvard.academia.edu/RuthRWisse --------------------- ABOUT THIS PODCAST Jews You Should Know introduces the broader community to interesting and inspiring Jewish men and women making a difference in our world. Some are already famous, some not yet so. But each is a Jew You Should Know. The host, Rabbi Ari Koretzky, is Executive Director of MEOR Maryland (www.meormd.org), a premier Jewish outreach and educational organization. MEOR operates nationally on twenty campuses and in Manhattan; visit the national website at www.meor.org. Please visit www.JewsYouShouldKnow.com, follow us on Twitter @JewsUShouldKnow or on Facebook. Have feedback for the show, or suggestions for future guests? E-mail us at JewsYouShouldKnow@gmail.com. A special thank you to Jacob Rupp of the Lift Your Legacy podcast for his invaluable production assistance.

Hill-Man Morning Show Audio
Greg braves the big storm and proves he's the consummate professional

Hill-Man Morning Show Audio

Play Episode Listen Later Feb 13, 2024 43:10


HOUR 2 - They Said It: Tiger reveals Sunday Red clothing line Courtney thinks Shanahan should be fired for his players not knowing rules Wiggy lists off all the guys the Kardashians have left in shambles

Pop Tournaments
Ep 187: The Consummate Subsidiary

Pop Tournaments

Play Episode Listen Later Jan 17, 2024 44:26


Jake and Ryan talk more ALBUMS OF 94

Consummate Athlete Podcast
The Consummate Athlete 2024 Goal Setting Episode

Consummate Athlete Podcast

Play Episode Listen Later Dec 26, 2023 49:13


Peter Glassford and Molly Hurford discuss goal setting for the next cycling or running season. They discuss Molly's annual New Year article with Canadian Cycling Magazine, how they are thinking about goal setting for themselves this year. A review of SMART goals and Outcome vs. Process/Practice goals. They also discuss letting go of goals that aren't serving you or have just been 'hanging around' for a few years!   This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate Athlete - These popular plans are made from scratch for you to fit your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/ Get Your Free Bonus from AG1- drinkAG1.com/MOLLYH – to receive your bonus of a free 1-year supply of Vitamin D and 5 Free Travel Packs   Download Find links to your favorite Podcast App (remember to rate and review!) https://pod.link/1100471297 Watch The Consummate Athlete Podcast on Youtube HERE Show Notes Goal Setting Posts on Consummate Athlete Canadian Cycling Magazine Molly's 2024 article 2023 Goal Setting Episode SUPPORT THE SHOW Use this link to support the show (for free!) while you shop: https://amzn.to/3Aej4jl  This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate Athlete - These popular plans are made from scratch for you to fit your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/   Connect with Molly & Peter Subscribe to our Newsletter Book a Consultation - https://calendly.com/smartathlete Books By Molly Hurford https://amzn.to/3bOztkN Get The Consummate Athlete Book Follow The Consummate Athlete on Instagram and Facebook Follow Molly Hurford on Instagram Follow @PeterGlassford on Instagram Consummate Athlete Links for Coaching and other services     Past guests: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini Katerina Nash, Kelly Starrett, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein and many more  

Jimquisition
Podquisition 465: Consummate Professionalism

Jimquisition

Play Episode Listen Later Nov 23, 2023 91:34


We get the job done. Games we played this week include: PS Portal (5:40) Liyla and the Shadows of War (13:40) Karmazoo (17:05) An Arcade Full of Cats (23:40) FlipWitch: The Forbidden Sex Hex (25:55) AMC's The Walking Dead: Destinies (34:45) Quantum Break (49:00) Dave the Diver (59:25) --- News things talked about in this episode: Sexual bias case against Niantic moving forward (1:07:00) https://www.theverge.com/2023/11/22/23972339/niantic-sexual-discrimination-lawsuit-gender-bias-arbitration Epic rollout of age-restricted content in Fortnite has not gone well (1:08:40) https://www.pcgamer.com/epic-admits-fortnites-new-age-ratings-didnt-hit-the-mark-says-a-new-system-is-coming-soon-as-part-of-a-big-in-game-event/ Unity releases early access AI tools for developers (1:17:15) https://www.gamesindustry.biz/unitys-push-for-responsibly-sourced-ai-tools SEGA allegedly threatened its unionized workers with layoffs (1:15:45) https://kotaku.com/sega-sonic-union-layoffs-persona-yakuza-1851026309 --- Buy official Jimquisition merchandise at thejimporium.com Find Laura at LauraKBuzz on Twitter, Twitch, YouTube, and Patreon. All her content goes on LauraKBuzz.com, and you can catch Access-Ability on YouTube every Friday. Follow Conrad at ConradZimmerman on Twitter/Instagram/BlueSky and check out his Patreon (patreon.com/fistshark). You can also peruse his anti-capitalist propaganda at mercenarycreative.com.

SyFy Sistas
3.21 - The Consummate Creator, Brandon Shultz

SyFy Sistas

Play Episode Listen Later Oct 20, 2023 85:41


"Without Star Trek Discovery there is no SyFy Sistas." The Sistas welcomed Brandon Schultz to show. Brandon is the co-founder and Producer of Street Legends Ink. He is the writer of Blade: Blood Thirsty, Blokhedz Mission G, Star Trek Discovery and Short Treks: The Girl Who Made the Stars. He is the consummate creator. Find out more about Brandon Schultz:  https://www.imdb.com/name/nm0776206/ Instagram and Twitter: @bschultzwriting Street Legends Ink: @blokhedz Morehouse University: https://morehouse.edu/academics/majors/cinema-television-and-emerging-media-studies/ Support the SyFy Sistas podcast on Patreon at: https://www.patreon.com/syfysistas Thank you Dena Massenburg for our dope logo: @blackbeanz70 Thank you to our sound engineer DoS, the Anonymous: @dos_theanonymous_1 You can find the SyFy Sistas and our family of podcasts on The Trek Geeks Podcast Network https://trekgeeks.com FANSETS - Our pins...have character. We want to thank our friends at FanSets for being the presenting sponsor of the Trek Geeks Podcast Network. https://fansets.com ALL SYFY SISTAS INFO AT YOUR FINGERTIPS  https://linktr.ee/syfysistas Please Subscribe/Follow/Like!

Trek Geeks Podcast Network
SyFy Sistas 3.21 - The Consummate Creator, Brandon Schultz

Trek Geeks Podcast Network

Play Episode Listen Later Oct 20, 2023 85:41


"Without Star Trek Discovery there is no SyFy Sistas." The Sistas welcomed Brandon Schultz to show. Brandon is the co-founder and Producer of Street Legends Ink. He is the writer of Blade: Blood Thirsty, Blokhedz Mission G, Star Trek Discovery and Short Treks: The Girl Who Made the Stars. He is the consummate creator. Find out more about Brandon Schultz:  https://www.imdb.com/name/nm0776206/ Instagram and Twitter: @bschultzwriting Street Legends Ink: @blokhedz Morehouse University: https://morehouse.edu/academics/majors/cinema-television-and-emerging-media-studies/ Support the SyFy Sistas podcast on Patreon at: https://www.patreon.com/syfysistas Thank you Dena Massenburg for our dope logo: @blackbeanz70 Thank you to our sound engineer DoS, the Anonymous: @dos_theanonymous_1 You can find the SyFy Sistas and our family of podcasts on The Trek Geeks Podcast Network https://trekgeeks.com FANSETS - Our pins...have character. We want to thank our friends at FanSets for being the presenting sponsor of the Trek Geeks Podcast Network. https://fansets.com ALL SYFY SISTAS INFO AT YOUR FINGERTIPS  https://linktr.ee/syfysistas Please Subscribe/Follow/Like!

The Insider Travel Report Podcast
How American Empress Delivers the Consummate River Cruise Experience

The Insider Travel Report Podcast

Play Episode Listen Later Sep 28, 2023 11:39


Terry Lunder, veteran hotel director on American Empress talks with James Shillinglaw of Insider Travel Report about how his paddle wheel river cruise vessel provides great accommodations, locally influenced dining and popular entertainment while sailing the Columbia and Snake Rivers in the Pacific Northwest. For more information on American Queen Voyages, visit www.AQVoyages.com.  If interested, the original video of this podcast can be found on the Insider Travel Report Youtube channel or by searching for the podcast's title on Youtube.

Growing Up Christian
Ep. 145 – The Consummate Catholic's Vacuum Cleaner Wiener w/ A Couple of N3rds

Growing Up Christian

Play Episode Listen Later Aug 29, 2023 108:49


This week we're joined by comedy duo Casey Grim and Adam McLaughlin, who cohost the A Couple of N3rds podcast! This conversation was one of the funniest we've ever had on this show, and it goes in every direction. Topics of discussion include hallmarks of a grandma house, scootering under the influence, teenage caloric intake journals, and a Catholic buyer's guide to feline indulgences. We did a lot of giggling, and you will, too! Follow Adam and Casey on Instagram, TikTok, and Facebook (@acoupleofn3rds), stream their show on all podcast platforms, and if you're in the Buffalo area, check out www.acoupleofn3rds.com for live shows near you!

The JP Emerson Show
The Ultimate Team Player, Elon Werner Is the consummate Public Relations Professional in The World of High Horsepower, Living Legends, and Superstars of Tomorrow

The JP Emerson Show

Play Episode Listen Later Aug 28, 2023 56:37


Elon Werner may be the all-American guy. As easily recognizable for his stature in the pits and broad smile, he's as at home among the giants of motorsports as he is in the kitchen.You only need to mention his first name in the industry to understand why he's held in such high regard and witness a level of admiration and respect among his peers few ascend to.Elon Werner consistently trips the win light. Connect with Elon Here:Werner Communications elon@elonwerner.comTwitter: @elonwerFacebook www.facebook.com/elon.wernerJoin Drag Race Bracket Bonanza here:www.dragracebracketbonanza.comAbout Drag Race Bracket Bonanza:Drag Race Bracket Bonanza is the first dynamic bracket competition for drag racing fans. During the remaining 2023 NHRA Camping World Drag Racing Series events fans will be able to fill out brackets for all four professional categories at the conclusion of professional qualifying. Developed and owned by Werner Communications, Drag Race Bracket Bonanza is the first fan-centric offering from the Dallas-based public relations and media services company.Learn more about Youth Racers of America here:www.youthracersofamerica.com Facebook@YouthRacers on TwitterYouth Racers of America (@youthracersofamerica) • Instagram photos and videosMegan Meyer Racing (motorsportsmarketingtips.com)Connect with JP Emerson: Website: www.jpemerson.com Twitter: @The_JPEmersonEmail: jp@jpemerson.com For more podcasts on cars checkout Ford Mustang The Early Years Podcast at www.TheMustangPodcast.com or atApple Podcasts or anywhere you get your podcastsFor more information aboutsponsorship or advertising on The JP Emerson Show or podcast launch servicescontact Doug Sandler at doug@turnkeypodcast.com or visit www.turnkeypodcast.com

Consummate Athlete Podcast
Long or Fun? Should I change Race Distances?

Consummate Athlete Podcast

Play Episode Listen Later Aug 24, 2023 43:50


Molly and Peter discuss a listener question about changing race distances if concerned about fitness before a race. This relates to changing categories and just generally being unsure before big scary races (or normal races too!)  We discuss the concept of fun races too. Get Your Free Bonus from AG1- drinkAG1.com/MOLLYH - to receive your bonus of a free 1-year supply of Vitamin D and 5 Free Travel Packs This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate Athlete - These popular plans are made from scratch for you to fit your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/ Download or find links in your favorite Podcast App (remember to rate and review!) https://directory.libsyn.com/shows/view/id/consummateathlete     Show Notes Rebecca Rush Episodes of Consummate athlete Overcoming fueling mistakes + planning for next time?   Built to Move book - Kelly Starrett Juliet Starrett Race if you are going to race Can you be fit all year round Tail wind Athletic greens   Links to Our Article Archive & Services: ConsummateAthlete.com SUPPORT THE SHOW WHILE YOU SHOP: https://amzn.to/3Aej4jl to shop amazon Subscribe to our Newsletter the latest podcast, articles and bike skills information each Monday Book a Call to Discuss Your Training - https://calendly.com/smartathlete Books By Molly Hurford https://amzn.to/3bOztkN Get The Consummate Athlete Book - LINK Follow The Consummate Athlete on Twitter and Instagram and Facebook Follow Molly Hurford on Twitter and on Instagram  Follow Peter Glassford Follow @PeterGlassford on Instagram and Twitter   Past guests Include: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini Katerina Nash, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein and many more    

The Hearth of Sap Bush Hollow
The Consummate Gentleman

The Hearth of Sap Bush Hollow

Play Episode Listen Later Aug 17, 2023 16:27


How many times must we circle the sun before we feel comfortable expressing our truth?  And does that make us any less courteous and kind?  Read the story here.Support the show

Locked On Nuggets - Daily Podcast On The Denver Nuggets
The Consummate Nugget, Aaron Gordon | Schedule Talk | Regression Candidates

Locked On Nuggets - Daily Podcast On The Denver Nuggets

Play Episode Listen Later Aug 14, 2023 41:38


Aaron Gordon visits Team USA and Jokic. What does Aaron mean to the Nuggets community, his teammates, and Denver? Plus, we have some early dates for Nuggets games and we talk about what it shows in how the league values the champs. Then, a conversation about possible regression candidates on Denver, and more specifically, Aaron Gordon vs. Kentavious Caldwell-Pope.Support Us By Supporting Our Sponsors!FanDuelMake Every Moment More. Right now, when you bet on a Super Bowl Winner, you can GET BONUS BETS EVERY TIME THEY WIN IN THE REGULAR SEASON! FanDuel.com/LOCKEDON.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Locked On Nuggets - Daily Podcast On The Denver Nuggets
The Consummate Nugget, Aaron Gordon | Schedule Talk | Regression Candidates

Locked On Nuggets - Daily Podcast On The Denver Nuggets

Play Episode Listen Later Aug 14, 2023 45:23


Aaron Gordon visits Team USA and Jokic. What does Aaron mean to the Nuggets community, his teammates, and Denver? Plus, we have some early dates for Nuggets games and we talk about what it shows in how the league values the champs. Then, a conversation about possible regression candidates on Denver, and more specifically, Aaron Gordon vs. Kentavious Caldwell-Pope. Support Us By Supporting Our Sponsors! FanDuel Make Every Moment More. Right now, when you bet on a Super Bowl Winner, you can GET BONUS BETS EVERY TIME THEY WIN IN THE REGULAR SEASON! FanDuel.com/LOCKEDON. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

It’s Always Gameday In Cleveland
Joe Thomas, the consummate professional (with Dan Murphy)

It’s Always Gameday In Cleveland

Play Episode Listen Later Aug 2, 2023 8:08


Daryl talks with Dan Murphy about Joe Thomas' childhood and what he was like growing up, and how he became so good at talking with the media. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Consummate Athlete Podcast
Endurance Nutrition, Power:Weight, Alcohol - Namrita Brooks

Consummate Athlete Podcast

Play Episode Listen Later Aug 1, 2023 58:05


Namrita Brooke, PhD is a Registered Dietician and coach to cyclists, runners, and multisport athletes of all levels. With >10 years coaching experience and a background in human performance research, she uses evidence-based methods to bridge science with the art of coaching.    This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate athlete - These popular plans are made from scratch for you, your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/ This episode is brought to you by the  Payable Forms Add-On for Google Forms - You Can Get Paid in a Google Form!     Download or find links in your favorite Podcast App (remember to rate and review!) https://directory.libsyn.com/shows/view/id/consummateathlete     Show Notes Namrita's Website - http://www.namritakumar.com/   Links to Our Article Archive & Services: ConsummateAthlete.com SUPPORT THE SHOW WHILE YOU SHOP: https://amzn.to/3Aej4jl to shop amazon Subscribe to our Newsletter the latest podcast, articles and bike skills information each Monday Book a Call to Discuss Your Training - https://calendly.com/smartathlete Books By Molly Hurford https://amzn.to/3bOztkN Get The Consummate Athlete Book - LINK Follow The Consummate Athlete on Twitter and Instagram and Facebook Follow Molly Hurford on Twitter and on Instagram  Follow Peter Glassford Follow @PeterGlassford on Instagram and Twitter   Past guests Include: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini Katerina Nash, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein and many more   Get Your 100% Made for You 3-Month Training Plan https://consummateathlete.com/training-plans/

Christ Church Carpinteria
Hebrews 7:26-28 | "Jesus Christ: The Consummate Priest" | July 30, 2023

Christ Church Carpinteria

Play Episode Listen Later Jul 31, 2023 60:30


Lord's Day Service | Dr. Peter Sammons

Other Voices
Arthur Y. Webb, consummate public servant

Other Voices

Play Episode Listen Later Jul 30, 2023 53:14


Hosted on Acast. See acast.com/privacy for more information.

Ask Zac
Steve Gibson - The Consummate Nashville Guitar Chameleon - Ask Zac 128

Ask Zac

Play Episode Play 30 sec Highlight Listen Later Jul 26, 2023 13:39 Transcription Available


To Support the Channel:https://www.patreon.com/AskZacTip jar:  https://paypal.me/AskZacVenmo @AskZac  Or check out my store for merch  - www.askzac.comSteve Gibson has worked with everyone from Beatle George Harrison to Randy Travis. And if you have enjoyed George Strait's work since the early 90s, then that's Steve and Brent Mason covering all of the guitar work on the Texan's hits over the last 3 decades. In today's episode, we spotlight a guitarist whose style has always been to play precisely what the song needs.Spotify Playlisthttps://open.spotify.com/playlist/1EZ...Our Truetone Lounge interview with Steve   • Truetone Lounge |...  Gear Used: 1982 Kubicki body, 2022 Danocaster Neck, Glaser Convertible Bender, 80s Duncan middle, Ron Ellis 50/60 Tele pickup set. Amp:1965 Deluxe Reverb with Celestion Vintage 30 speaker, and bright cap clipped on the vibrato channel.Effects used:amp verb, Boss DD-2#askzac #guitartech #telecasterSupport the show

Consummate Athlete Podcast
Workout Nutrition and Fueling

Consummate Athlete Podcast

Play Episode Listen Later Jul 25, 2023 40:56


Today we discuss fueling workouts and the periods around your workout. While simple to say there are many factors that make fueling optimally for workouts and races tricky to figure out for each athlete.   Download or find links in your favorite Podcast App (remember to rate and review!) https://directory.libsyn.com/shows/view/id/consummateathlete   Get Your Free Bonus from AG1- drinkAG1.com/MOLLYH - to receive your bonus of a free 1-year supply of Vitamin D and 5 Free Travel Packs   This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate athlete - These popular plans are made from scratch for you, your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/     Show Notes Nigel Mitchell posts an podcasts - https://consummateathlete.com/?s=Nigel%20Mitchell  Nigel Mitchell Book - Cyclist's cookbook  https://consummateathlete.com/the-cyclists-cookbook-nigel-mitchell-rd/   Dean Gollich Episode - https://consummateathlete.com/coaching-altitude-powerweight-w-dean-golich-best-of/  Athlete's Gut Episode with Patric Wilson - https://consummateathlete.com/digestion-fueling-and-your-gut-patrick-wilson-phd-rd/  Athlete's Gut Book -  https://amzn.to/3DygCba  RED-S with Traci Carson  https://consummateathlete.com/red-s-and-womens-performance-traci-carlson/ RED-S with Alex Coates - https://consummateathlete.com/relative-energy-deficiency-red-s-alex-coates/    Links to Our Article Archive & Services: ConsummateAthlete.com   SUPPORT THE SHOW WHILE YOU SHOP:  https://amzn.to/3Aej4jl to shop amazon   Subscribe to our Newsletter ->  It's free and brings the latest podcast, post and clinic/event information to you each Monday   Book a Call to Discuss Your Training - https://calendly.com/smartathlete   Books By Molly Hurford  https://amzn.to/3bOztkN   Get The Consummate Athlete Book - LINK Follow The Consummate Athlete on Twitter and Instagram and Facebook Follow Molly Hurford on Twitter and on Instagram Follow Peter Glassford Follow @PeterGlassford on Instagram and Twitter   Past guests Include: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini Katerina Nash, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein and many more

Hops & Spirits
BoomTown Saints

Hops & Spirits

Play Episode Listen Later Jul 25, 2023 52:00


BoomTown Saints is composed of Chris Ramos and Ben Chism. The fusion of Chris' energetic stage presence and broad vocal range with Ben's smooth voice and distinguishable southern drawl yields an undeniable charisma between the two. Consummate entertainers and true road warriors, they have honed their live performance skills playing clubs, frat houses and festivals with the number one objective being “for people to have fun.” They talk (2:30 mark) about how they got into music, becoming a duo, being girl dads, their approach to writing songs, their debut EP, being on the road, what's next and more.Plus, on our 4-Pack, we highlight four duo songs we love right now: Ed Sheeran and Luke Combs, Niko Moon and Zac Brown, James Barker Band and Dalton Dover, and Lewis Brice and Lee Brice.For more on BoomTown Saints, visit https://www.boomtownsaintsmusic.com/ or find them on social media.Don't forget to check out the video on YouTube and our Facebook page. Plus, check out Neat & Mixed and the Hops & Spirits Kentucky podcast, all available at hopsspirits.com.

Behind The Deep State
Behind The Deep State | BlackRock and the Fed: Consummate Conflict of Interest | Part Five

Behind The Deep State

Play Episode Listen Later Jul 18, 2023 17:29


BlackRock is functioning under an unimaginable conflict of interest. Even as far back as the 2008 financial crisis, it was manipulating its ties to the Federal Reserve and central banking cartel to grow into the Goliath it has become. In this episode of Behind the Deep State, Alex Newman continues his exposure of the financial ... The post Behind The Deep State | BlackRock and the Fed: Consummate Conflict of Interest | Part Five appeared first on The New American.

The Best of Car Talk
#2360: Consummate Professionals

The Best of Car Talk

Play Episode Listen Later Jul 11, 2023 36:03


As befits a couple of kuckle-scrapers who were practically dragged into a broadcast studio years ago and plunked down in front of a hot microphone, Click and Clack do their thing unencumbered by notions of broadcasting's 'best practices'. Case in point, the beginning of their chat with Judy on this episode of the Best of Car Talk.

Hill-Man Morning Show Audio
Greg Hill - a man of the people and consummate patriot

Hill-Man Morning Show Audio

Play Episode Listen Later Jul 3, 2023 42:46


HOUR 1 Greg Hill - a man of the people and consummate patriot  Dennis Rodman once broke his penis. Jackson shares his grandfather did same Wiggy says the Celtics need to go after Dame Lillard

Cut The BS
Consummate Your Marriage

Cut The BS

Play Episode Listen Later Jun 30, 2023 86:35


One giant hill for mankind...Life was much simpler when The Miller's lived in Milesburg. More so because we didn't have to walk up or down any hills to get the car. Does Drew get any sleep anymore? Multiple power outages in the last few weeks and one person has the only solution. Pat is finally out as host for the Wheel, did they make the right decision on the next host? Who do you think should be the next host?

Consummate Athlete Podcast
Red-S and Women's Performance - Traci Carlson

Consummate Athlete Podcast

Play Episode Listen Later Jun 20, 2023 62:37


Traci Carson PhD. is a researcher, scientist, professor and (still sometimes) athlete. She is passionate about helping active women fuel their bodies and optimize their menstrual cycles for health, performance, and fertility.       Download or find links in your favorite Podcast App (remember to rate and review!) https://directory.libsyn.com/shows/view/id/consummateathlete   Get Your Free Bonus from Athletic Greens - athleticgreens.com/mollyh - to receive your bonus of a free 1-year supply of Vitamin D and 5 Free Travel Packs   This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate athlete. - These popular plans are made from scratch for you, your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/   Show Notes Traci Carson on Twitter Traci Carson on Instagram    Links to Our Article Archive & Services: ConsummateAthlete.com   SUPPORT THE SHOW WHILE YOU SHOP:  https://amzn.to/3Aej4jl to shop amazon   Subscribe to our Newsletter ->  It's free and brings the latest podcast, post and clinic/event information to you each Monday   Book a Call to Discuss Your Training - https://calendly.com/smartathlete   Books By Molly Hurford  https://amzn.to/3bOztkN   Get The Consummate Athlete Book - LINK Follow The Consummate Athlete on Twitter and Instagram and Facebook Follow Molly Hurford on Twitter and on Instagram Follow Peter Glassford Follow @PeterGlassford on Instagram and Twitter   Past guests Include: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini Katerina Nash, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein and many more

Consummate Athlete Podcast
The How and Why of Bike Packing - Mahshid Hadi

Consummate Athlete Podcast

Play Episode Listen Later Jun 6, 2023 54:06


Mahshid Hadi ( @artventuree)  Now living in Canada, Mahshid left Iran to escape dangerous persecution. Her passion for bikepacking and gravel riding would never have come to fruition in her home country. Download or find links in your favorite Podcast App (remember to rate and review!) https://directory.libsyn.com/shows/view/id/consummateathlete   SHOW SPONSOR:: Get Your Free Bonus from Athletic Greens - athleticgreens.com/mollyh - to receive your bonus of a free 1-year supply of Vitamin D and 5 Free Travel Packs   This episode is brought to you by 3 Month 100% Made for You Training Plans by Consummate athlete - These popular plans are made from scratch for you, your goals, your schedule, your gear, and your goals. https://consummateathlete.com/training-plans/   This episode is brought to you by our Training Peaks Training Plans for cyclists (link) - Use Code " CA25 " to get a discount on any of our plans -    Show Notes Mahshid Hadi on Instagram https://www.instagram.com/artventuree/   Liv Cycling on Mashid https://www.liv-cycling.com/global/mahshid   Links to Our Article Archive & Services: ConsummateAthlete.com   SUPPORT THE SHOW WHILE YOU SHOP:  https://amzn.to/3Aej4jl to shop amazon   Subscribe to our Newsletter ->  It's free and brings the latest podcast, post and clinic/event information to you each Monday   Book a Call to Discuss Your Training - https://calendly.com/smartathlete   Books By Molly Hurford  https://amzn.to/3bOztkN   Get The Consummate Athlete Book - LINK Follow The Consummate Athlete on Twitter and Instagram and Facebook Follow Molly Hurford on Twitter and on Instagram Follow Peter Glassford Follow @PeterGlassford on Instagram and Twitter   Past guests Include: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini Katerina Nash, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein and many more

Kiddush Club - The Podcast
Special - Backstage With 8th Day (Epis 74)

Kiddush Club - The Podcast

Play Episode Listen Later May 14, 2023 46:31


They're one of the hottest artists in the Jewish world today, with blockbuster chart-topping songs spanning over a decade, and we finally got to sit with them for a relaxed chat. And that's when things went haywire... As you'll find out, we had for the first time ever a major tech outage and lost our entire interview. Consummate mensche's that they were, 8th day agreed to give us another hour of their time for what was a most enjoyable and enlightening discussion. These guys are legends! Check out our Sponsor - Jerusalem Cafe in NYC and get 10% off for using our exclusive coupon code: KC10 - http://www.j2nyc.com/ Visit 8th Day on the Web - https://my8thday.com/ Visit https://www.buymeacoffee.com/KiddushClub and buy us a coffee! Follow us: Instagram: https://www.instagram.com/kiddushclubpodcast/ Twitter: https://twitter.com/kiddushclubcast Join our WhatsApp chat: https://chat.whatsapp.com/HTWhnT1WiVFCioXjatEFi6 Send us you thoughts comments and suggestions via email: hock@kiddushclubpodcast.com

Consummate Athlete Podcast
Road Cycling Skills - Lorri Lown

Consummate Athlete Podcast

Play Episode Listen Later Apr 10, 2023 61:19


Lorri Lown is a road cycling coach and virtual bike fitter from California. She discusses transitioning from the indoor bike or Peloton to outdoors and why skills matter when riding on the road.   This episode is brought to you by InsideTracker - use code CONSUMMATE at  insidetracker.com/consummate to get 20% OFF the entire InsideTracker store     Show Notes Check out Lorri Lown and SavvyBike mentioned Van Der Poel winning Paris Roubaix   Links to Our Article Archive & Services: ConsummateAthlete.com   SUPPORT THE SHOW WHILE YOU SHOP:  https://amzn.to/3Aej4jl to shop amazon   Subscribe to our Newsletter ->  It's free and brings the latest podcast, post and clinic/event information to you each Monday   Book a Call to Discuss Your Training - https://calendly.com/smartathlete   Books By Molly Hurford  https://amzn.to/3bOztkN   Get The Consummate Athlete Book - LINK Follow The Consummate Athlete on Twitter and Instagram and Facebook Follow Molly Hurford on Twitter and on Instagram Follow Peter Glassford Follow @PeterGlassford on Instagram and Twitter   Past guests Include: Stacy Sims, Stephen Seiler, Simon Marshall, Frank Overton, Dean Golich, Joe Friel, Marco Altini Katerina Nash, Geoff Kabush, Ellen Noble, Phil Gaimon, David Roche, Matt Fitzgerald, Dr. Marc Bubbs, Christopher McDougall, Rebecca Rusch, Kate Courtney, David Epstein and many more

The Daily Drama Podcast with Steve Burton & Bradford Anderson
The Consummate Gemini, BILLY FLYNN (Chad, DAYS)!

The Daily Drama Podcast with Steve Burton & Bradford Anderson

Play Episode Listen Later Mar 8, 2023 32:16


BILLY FLYNN (Chad, DAYS) joins the guys to talk his circuitous route to Daytime. Is it all due to ASTROLOGY?! This Episode Is Now Available on YouTube! Go to https://youtu.be/TsL2nDMvnVc to watch:) For everything Steve and Bradford go to StoneColdandtheJackal.com THANK YOU!

Jimquisition
Podquisition 414: Consummate Professionals

Jimquisition

Play Episode Listen Later Dec 1, 2022 98:21


Keep your head. Games we played this week include: Pokémon Scarlet and Violet (14:10) Evil West (21:30) Gungrave VR (51:20) Gungrave G.O.R.E. (56:15) Roller Drama (1:00:45) What the Bat? (1:13:40) Among Us VR (1:16:40) --- News things talked about in this episode: Latest Super Mario Bros. movie trailer provides more plot and character details (1:23:45) https://www.youtube.com/watch?v=TnGl01FkMMo Australia now looking to regulate loot boxes (1:30:20) https://www.eurogamer.net/australian-mp-proposes-loot-box-regulation-bill Microsoft likely to make concessions on CoD exclusivity to avoid antitrust concerns (1:31:55) https://www.eurogamer.net/microsoft-likely-to-make-eu-concessions-in-activision-blizzard-deal-soon https://www.politico.com/news/2022/11/23/exclusive-feds-likely-to-challenge-microsofts-69-billion-activision-takeover-00070787 UK gaming startup announces gaming console specifically for dogs (1:34:55) https://www.axios.com/2022/11/28/dogs-video-games-joipaw --- Buy official Jimquisition merchandise from the Jimporium at thejimporium.com Find Laura at LauraKBuzz on Twitter, Twitch, YouTube, and Patreon. All her content goes on LauraKBuzz.com, and you can catch Access-Ability on YouTube every Friday. Follow Conrad at ConradZimmerman on Twitter and check out his Patreon (patreon.com/fistshark). You can also peruse his anti-capitalist propaganda at pinfultruth.com.