Podcasts about Contribution

One decision in your first year of service can make you a military millionaire and most people never make it. In this long-awaited 2026 refresh of their most popular episode ever, Spencer and co-host Jamie break down the Thrift Savings Plan from the ground up: what it is, how the 5% match really works, Roth vs. traditional, the combat zone triple tax benefit, and exactly how much to contribute to retire with seven figures. Whether you just left boot camp or you're 15 years in and think you're too late, this is the no-nonsense TSP playbook for the modern service member. Questions Asked: What is the TSP, and how is it different from a savings account or a civilian 401(k)? How do the TSP and a Roth IRA work together — and why aren't they the same thing? How much can you contribute in 2026, and how much do you actually recommend? When does the government's 5% match kick in, and how do you avoid missing it? Can you contribute to a non-working spouse's IRA? Roth or traditional — which should most military members choose? What are catch-up contributions, and who are they actually for? How does the combat zone tax exclusion (CZTE) supercharge Roth contributions? I'm 10–15 years in under Legacy High-3 — is the TSP still worth it? What happens to my TSP when I separate or retire? How do the G, F, C, S, and I funds work, and what should I pick? What are Lifecycle (L) funds, and are they good enough? Is the TSP still a good deal on cost compared to Fidelity's zero-fee funds? What are your personal allocations? If I'm feeling overwhelmed, what's the one thing I should do? Main Topics Covered: TSP basics: employer-sponsored plan, Blended Retirement System (BRS) vs. Legacy High-3, and the 2018 transition The 5% match explained — 1% automatic + 4% after your 2-year mark — and why it doesn't count against your $24,500 elective deferral limit 2026 contribution limits: $24,500 TSP, $7,500 per person IRA, and the $72,000 combined limit The millionaire math: 20% (officer) or 25% (enlisted) to Roth TSP = a seven-figure account in 20 years Setting it up in myPay and tsp.gov, and why you should spread contributions across all 12 months Roth vs. traditional for military pay, and why Roth wins for ~90%+ of service members The combat zone triple tax benefit and tax-free re-enlistment bonuses New for 2026: Roth in-plan conversions and the military mega backdoor Roth Late to the game? Why it's never too late to start Keeping, rolling over, or consolidating your TSP after separation — and Guard/Reserve combined limits Breaking down all five funds (G, F, C, S, I) — including the I Fund's ex-China index change Lifecycle/target-date funds as the ultimate hands-off solution, and why chasing Facebook-group "gurus" backfires Costs, expense ratios, front-end load fees (looking at you, First Command), and the mutual fund window Rebalancing, interfund transfers, and tax-efficient asset placement Spencer's and Jamie's personal allocations, and why there's no perfect portfolio Resources Mentioned: The Military Money Manual: A Practical Guide to Financial Freedom (Amazon / militarymoneymanual.com) Tools at militarymoneymanual.com: MilTaxCaster: https://militarymoneymanual.com/military-tax-estimator/MilTaxCaster Cost/expense ratio calculator: https://militarymoneymanual.com/costs/ Roth TSP conversion calculator: https://militarymoneymanual.com/roth-tsp-conversion-calculator/ Contribution percentage chart: https://militarymoneymanual.com/military-tsp-match-max/  tsp.gov and FINRA.org (unbiased resources) Related episodes: #2 (original TSP) https://podcast.militarymoneymanual.com/ , #39 (mutual fund window) https://podcast.militarymoneymanual.com/39-2022-changes-to-the-tsp-mutual-fund-window-tsp-app-more/, #211 (Roth in-plan conversions with Brian "Alf" O'Neill) https://podcast.militarymoneymanual.com/roth-in-plan-conversions-tsp-with-brain-alf-oneill-211/  Tax Planning To and Through Early Retirement by Sean Mullaney and Cody Garrett Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Send us a text!Six years, six seasons, and one slightly delayed anniversary later—we're back, baby.After a summer filled with concerts, funerals, psychedelics, work transitions, travel plans, and an unreasonable number of DoorDash bananas, we catch up on everything that's happened during the break.Mike reflects on losing his job after sixteen years, finishing his dissertation proposal, and the strange polarity between newfound freedom and panic about what comes next. We also revisit the tribute concert for Kevin, remember Carolyn Elliott and the lasting impact of Existential Kink, and unpack a psychedelic journey that briefly descended into madness—and may have opened something in Mike's voice before nearly destroying it.Doug opens up about the unexpected death of his soulmate dog, Ozzie Bear, and the grief that followed. His dad offers one of the most beautiful lessons of the episode: “We share our grief with our loved ones so that they can help us carry it.”Finally, we return to our roots with a conversation about Mormonism: friends leaving the Church fourteen years after we did, institutional changes that feel more operational than prophetic, leadership roulette, the contradictions of personal revelation, and the absence of a clear moral voice in a moment that desperately needs one.Season seven begins exactly where it should: somewhere between grief and laughter, Mormonism and mushrooms, madness and meaning.Topics include:Remembering Carolyn ElliottKevin's tribute concert and the healing power of musicPsychedelic madness, ritual containers, and integrationLayoffs, freedom, fear, and life outside the cageWorld Cup withdrawals and Wrexham time-zone confusionGrieving Ozzie Bear and refusing to gatekeep griefWhy more longtime Mormons may be leavingOperational revelation, prophetic silence, and the Church as a businessContent note: This episode includes discussion of death, pet loss, psychedelics, and strong language.Want more? Our full archive of 200+ Mormons on Mushrooms episodes — past conversations, stories, and musical adventures — now lives in on Supercast.

Hybrid warfare Is a can of worms, a fascinating conjoining of kinetic and non-kinetic means of achieving victory or stale between warring nations. This first episode tries to lay the ground work of what it is and in the next two episodes we will examine an historical and a contemporary example of hybrid warfare in meat-space. References: Report to Congress on Russian Hybrid Warfare in Europe 11 August 2026 The Future of Hybrid Warfare Hybrid Warfare: How to Escape the Conceptual Gray-Zone The Evolution of Hybrid Warfare: Implications for Strategy and the Military Profession Richard Feynman Cargo Cult speech at CalTech 1974 RAND wish-casting on drones in 2015. Slaughterbots (2017) Slaughterbots: if human: kill() (2021) How are Drones Changing Modern Warfare? Sun Tzu The Art of War Carl von Clausewitz On War Miyamoto Musashi A Book of Five Rings: The Classic Guide to Strategy H. John Poole The Last Hundred Yards: The NCO's Contribution to Warfare Christian Brose The Kill Chain: Defending America in the Future of High-Tech Warfare Qiao Liang & Wang Xiangsui Unrestricted Warfare: China's Master Plan to Destroy America Email at cgpodcast@pm.me

Your highest-impact employee may not have the biggest title, loudest voice, or most visible role. So why do traditional performance systems keep overlooking them? Nikki sits down with Jacob Chase, founder and CEO of The INFIN, to explore a new way to measure human contribution. Jacob explains how decentralized feedback, collective intelligence, and real-time performance data can reveal who is truly creating value across an organization. They unpack the limitations of traditional reviews, the growing impact of AI on employee performance, and why real meritocracy begins when people are rewarded for the value they create. This conversation challenges people-first leaders to move beyond rigid scorecards, recognize invisible contributions, and build workplaces where serving others drives individual and organizational success.   Additional Resources: Connect with Jacob on LinkedIn Reach out for a free pilot implementation at https://www.theinfin.com/ Watch Gut + Science (and more) on YouTube! Connect with Nikki on LinkedIn Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Nikki's Key Takeaways: Visibility does not equal value. Collective feedback uncovers hidden impact. AI is widening performance gaps. Serving others increases workplace value. Real-time insights personalize development.

WOW!!!

Avec : Jean-Philippe Doux, journaliste et libraire. Baptiste des Monstiers, grand reporter en reconversion dans le paysagisme. Et Yaël Mellul, ancienne avocate. - Accompagné de Clément Gwizdz et sa bande, Charles Magnien s'invite à la table des français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

Pastor Gabriel Hughes continues the series on spiritual gifts by looking at the two gifts of one who gives exhortation and one who contributes with generosity. Visit providencecasagrande.com for more info about our church!

durée : 00:15:05 - Les journaux de France Culture - Le ministre de l'Économie Roland Lescure rouvre l'hypothèse d'un gel partiel des pensions de retraite pour générer des économies dans le budget 2027. Il envisage de concentrer cette mesure sur les pensions de retraite les plus élevées. - équipe : La Rédaction de France Culture, Thomas Cluzel, Aloïs Guérin Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:15:05 - Journal de 12h30 - Le ministre de l'Économie Roland Lescure rouvre l'hypothèse d'un gel partiel des pensions de retraite pour générer des économies dans le budget 2027. Il envisage de concentrer cette mesure sur les pensions de retraite les plus élevées. - équipe : La Rédaction de France Culture, Thomas Cluzel, Aloïs Guérin Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

I can bet you want two things: a thriving team and a thriving culture. For a lot of us, they feel like a mirage — we can see them, but we can't quite get there. In this episode I sit down with Dr. Jamie Shapiro, author of Connected Culture: The New Science for Thriving Teams and Cultures, CEO coach, and organizational psychologist. We dig into why she calls culture an "operating system," her five C's model (with connection — care and trust — at the center), why clarity is a force multiplier and not bureaucracy, the difference between collaboration and teamwork, and how AI shows up differently in cultures built on trust versus fear. If you want more from every podcast episode you listen to, not just this one, grab my free guide, How to Get More from Podcasts, at https://kevineikenberry.com/getmore. Chapters: 0:00 Intro — thriving teams and cultures 1:25 Meet Dr. Jamie Shapiro 2:49 Why she wrote Connected Culture 4:53 Culture as an "operating system" 6:18 The five C's — and why connection is the heart of it 9:18 Candid communication and idea meritocracy 11:27 Clarity and the dog-park metaphor 14:51 Get clear on the what, expansive on the how 16:31 Contribution — the "lowercase y" why 20:36 Collaboration vs. teamwork (and remote work) 23:51 Culture as a competitive advantage in the age of AI 27:29 Solving the "busy badge" with AI 29:05 Connection is the hardest business goal 29:22 What Jamie's reading 30:48 Where to find Jamie and Connected Culture 31:20 Now what? Jamie's Story: Dr. Jamie Shapiro, author of Connected Culture: The New Science for Thriving Teams and Cultures, is a CEO coach and organizational psychologist. She is the founder and CEO of Connected EC, a leadership coaching firm known for its team-based, whole-person approach to developing executives and transforming corporate culture. A Master Certified Executive Coach, professional speaker, researcher, expert facilitator, and certified nutritionist, Jamie brings a deeply integrated lens to leadership. She holds a PhD in Positive Organizational Psychology, an MBA, and a Master of Science in Information Technology, reinforcing her evidence-based, practical approach to executive performance. https://connectedec.com/ https://www.linkedin.com/company/connected-executive-coaching/ https://www.linkedin.com/in/jamie-shapiro/ ---

Travis Hopson talks with COOKIE QUEENS director Alysa Nahmias about her acclaimed Girl Scout Cookie doc, and how Meghan Markle became a key part of it.All of this and more can be found at www.punchdrunkcritics.com!Subscribe to Punch Drunk Critics on YouTube:    / @punchdrunkcritics1  Follow Punch Drunk Critics on Twitter:   / pdcmovies  Follow Punch Drunk Critics on Facebook:   / pdcmovies  You can also subscribe to our podcast Cinema Royale anywhere you get your podcasts!#CookieQueens #meghanmarkle #girlscouts

Dr. Fei-Fei Li, PhD, is a professor of computer science at Stanford University and a pioneer and expert in artificial intelligence (AI). We discuss how AI can be used safely and effectively to extend human capabilities – not just to search for information but specifically to increase human intelligence and creativity. We also discuss how humans collaborating with AI and robots stand to positively transform human health and one's experience of life. And we cover what makes AI fundamentally different from human cognition, and why your intuition and unique experiences are not replicable by AI or machines. Both AI enthusiasts and skeptics are sure to benefit from the information and tools Dr. Fei-Fei Li shares in this episode. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman David: https://davidprotein.com/huberman Lingo: https://hellolingo.com/huberman LMNT: https://drinklmnt.com/huberman Wealthfront*: https://wealthfront.com/huberman Timestamps (00:00:00) Fei-Fei Li (00:03:46) Vision & Intelligence; Human Vision & Contribution to AI (00:12:11) Computer Vision & the AI Revolution (00:18:34) Sponsors: Lingo & Wealthfront (00:21:19) Speech, Sound & AI Development (00:23:36) AI & Contextual Learning, Human Intelligence (00:33:43) Current AI Gaps, Emotion & Creativity (00:45:48) Computers Enhancing Humanity; Tool: Personal Agency & Learning about AI (00:53:04) Sponsors: AG1 & LMNT (00:55:37) Public Discourse about AI (00:57:34) AI to Enhance Scientific Discovery & Healthcare; Human Collaboration (01:07:38) Intuition, Motivation & Human States Beyond AI (01:19:18) Sponsor: David (01:20:37) Social & Ethical Considerations for AI (01:27:38) Kids, Development & AI Tools; Tool: Prompt AI Effectively (01:35:04) Next Frontier for Robotics & AI; Human Agency (01:43:52) Human-Centered AI Future (01:50:10) World Labs, Spatial Intelligence (01:54:12) Concerns about AI & Creativity; Movies, Art, Storytelling (01:59:51) Younger Generation & AI, Teachers (02:05:38) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Andrew Huberman receives cash compensation from Wealthfront Brokerage for paid testimonials in his podcast, creating a conflict of interest. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.05% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Additional terms and conditions apply, which can be found on Wealthfront.com/Huberman. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

A good job is not the same for everyone.Laura Gassner Otting gives us four dials for working out whether a role actually fits: calling, connection, contribution and control.Calling is the force that pulls you forward. Connection is whether your work matters. Contribution is what the work gives your life. Control is the agency you have over your time, decisions and environment.The practical question is not whether all four are high. It is whether the mix matches what matters to you now.Laura is a Wall Street Journal bestselling author, researcher and former executive recruiter. She is the author of *Limitless* and *Wonderhell*.Watch the full conversation: https://www.youtube.com/watch?v=e8Z0nuapNLI Hosted on Acast. See acast.com/privacy for more information.

On today's episode we will cover Charitable Solicitation Registration! If your nonprofit asks people for donations, you probably need to register with state regulators before you make the ask, and the rules are different in every state. We'll break down what charitable solicitation is, how it differs from your IRS tax-exempt status, what the most common misconceptions are, and what organizations should do to stay compliant with these laws. Today we are thrilled to be joined by our BA Summer Legal intern, Lina Zuluaga. On this Episode Brittany Leonard Tim Mooney Lina Zuluaga (Legal Intern) Shownotes: Opening: Intros (, Brittany, ) 1.         - Intro about   a.        Lina's summer internship experience 2.         - Starting with the basics: What is charitable solicitation and why does it exist? a.        Charitable solicitation registration is a state law consumer protection requirement                                                                                              i.         It is not a federal obligation                                                                                           ii.         States require organizations that ask the public for charitable donations to register with a state regulator, usually the Attorney General or Secretary of state, before they begin soliciting b.        The purpose is fraud prevention and transparency, not taxation.                                                                                              i.         States want to know who is asking their residents for money and how those funds are being used. c.        Roughly 40 states, plus D.C. have some form of registration requirement. About 10 states have no general charitable solicitation law. T[LZ1] [BL2] hese states don't have a general pre-registration requirement, though some still impose disclosure or other obligations                                                                                              i.         States with no registration requirements include Delaware, Idaho, Indiana, Iowa, Montana, Nebraska, South Dakota, Vermont, Utah and Wyoming.                                                                                           ii.         States with limited, or conditional registration requirements include Texas and Arizona. Their requirements are triggered by fundraising activities rather than a charitable solicitation act. d.        The key definitions to understand:                                                                                              i.         Solicitation: a request for a contribution for a charitable purpose, through any medium. 1.        Example: sending mail to citizens of a particular state, asking them to donate to your cause!                                                                                           ii.         Contribution: a gift of money or property 1.        Example: receiving a check in the mail from a new donor you've never contacted! 3.        -Three registrations commonly confused: IRS tax exempt status, state business registration, and charitable solicitation registration a.        IRS 501(c)(3) determination – refers to federal tax-exempt status. The organization is exempt from federal income tax, and donors can deduct contributions.                                                                                              i.         Tax exempt status on its own does not authorize fundraising in every state. b.        State business registration – is required when a nonprofit has a presence or does business in another state. It's a corporate filing with the Secretary of State. c.        Charitable solicitation registration – separate, additional obligation triggered by asking for donations. Many states require nonprofits to submit their IRS determination letter as part of the state registration, underscoring that federal status is a prerequisite, not a substitute. d.       Myth #1 – Tax exempt status gives you nationwide solicitation coverage                                                                                              i.         Scenario: A newly formed 501(c)(3) receives its IRS determination letter. The board treasurer says: "Awesome! We're good to fundraise everywhere now!" Is that right?                                                                                           ii.         No! That's a common misconception. The IRS determination letter means the federal government recognizes the organization as tax-exempt. It says nothing about whether you can legally ask for donations in California, New York, or any other state. There are separate state-level obligations with their own applications, fees, and renewal deadlines to be aware of. e.        An IRS determination letter is not a license to fundraise. Federal tax-exempt status and state solicitation registration are separate legal obligations. 4.         - Common misconceptions (FAQs) a.         - Do I need to register in every state we receive a donation from? For example, my nonprofit is based in Florida, and I receive a donation from someone in Indiana.                                                                                              i.         - No. Receiving a donation is not the same as soliciting one. Registration is triggered by making the ask, not by the receipt.                                                                                          ii.         - Also, Indiana is one of the states that doesn't have a charitable solicitation registration requirement. So, in this instance, registration wouldn't be required either way.                                                                                          iii.          – But this analysis would be different if the donation came from New York after you specifically solicited New York residents. Sending fundraising emails to residents there triggers New York's registration requirement. b.       How about if we have a donate button on our website. Do we need to register in all 50 states?                                                                                              i.           - The leading guidance comes from the Charleston Principles, developed in 2001 by the National Association of State Charity Officials, or NASCO.                                                                                           ii.          - Under the Charleston Principles, a nonprofit generally needs to register in a state if its website specifically targets residents of that state, or if it receives contributions from that state on a repeated, ongoing, or substantial basis.                                                                                        iii.          - A purely passive website with a donate button that isn't targeting any particular state generally wouldn't trigger registration everywhere.                                                                                        iv.          – That said, the Charleston Principles are guidance, not law. A small number of states including Colorado, Tennessee, and Mississippi, have enacted administrative regulations that mirror the principles' framework with specific numerical thresholds. In those states, the parallel rules are binding law, but their legal force comes from the state rulemaking process, not from the Principles themselves.                                                                                           v.          – the practical takeaway for organizations is that the Charleston Principles are a useful starting point, but they are not a safe harbor. You cannot point to them as an excuse for not abiding by state regulation. If you're doing active online fundraising, email campaigns to donors in other states, or geo-targeted advertisement seeking donations in another state, that's going to look a lot more like solicitation than a passive donate button on a website. c.         - Do we still need to register if we're a small organization just working with volunteers?                                                                                              i.         - In some states, small organizations may qualify for an exemption based on their revenue.                                                                                           ii.         -Two important points to consider: 1) thresholds for exemptions vary by state, and 2) many exemptions must be affirmatively claimed. Your organization may need to file a form to claim the exemption.                                                                                        iii.         smaller organizations may also wonder about membership dues and conference fees. 5.        Membership Dues and Conference Registration Fees a.        – That's right. One question that came up during a technical assistance request this summer was whether collecting membership dues and conference registration fees would trigger a charitable solicitation registration. b.         - The short answer is generally no, because most states distinguish between charitable solicitations and earned revenue. c.        – The Model Act Concerning the Solicitation of Funds for Charitable Purposes, drafted by the National Association of Attorneys General (NAAG) and NASCO in 1986 defines "contribution" as grant, promise, or pledge of value in response to a solicitation, but expressly excludes bona fide fees, dues or assessments paid by members, provided that membership is not conferred solely as consideration for making a contribution in response to a solicitation. d.         - Conference registration fees are generally treated the same way.  When someone pays to attend a conference and receives programming, materials, and meals of roughly equivalent value, that's program service revenue, not a contribution. e.        There's also instances to distinguish when membership fees may be considered solicitation                                                                                              i.          – One instance to consider is if membership is granted automatically to anyone who donates in response to solicitation. 1.        A membership conferred solely as consideration for a gift may be considered a contribution.                                                                                           ii.          – Another instance is if you have a "supporter" tier priced well above the value of benefits. The excess can start to look like a contribution. 1.        Contributions dressed up as dues risk losing the bona fide dues exclusion.                                                                                        iii.          – Also, if you add an option to donate on a conference registration form, or a 'sponsor and attendee' add-on, you've introduced solicitation into the same transaction. 1.        The conference fee itself is earned revenue, but the donation ask is you asking someone for a gift. 6.        Practical Compliance a.        What does registration actually involve?                                                                                             i.         – registration itself is typically straightforward. An application normally asks you to submit your formation documents, IRS determination letter, most recent Form 990, a list of officers and directors, description of fundraising activities, and a filing fee. 1.        Some states accept the Unified Registration Statement, which is a multi-state form. Colorado, Florida, and Oklahoma do not accept it. Even states that do accept it may require supplemental documents.                                                                                           ii.          – Renewal is also an important compliance consideration. Most states require annual renewal, often tied to the organization's fiscal year-end, with a new Form 990 and fee each cycle. Organizations that miss a renewal may receive noncompliance letters from their state agency for failure to renew. b.       What happens if we don't register?                                                                                              i.          – The consequences are real and can escalate. Regulators can issue cease and desist orders, which means the organization must stop soliciting and take down donate links. In some cases, they may even have to notify donors. Some states issue fines each day until the violation is corrected.                                                                                           ii.         – Beyond direct legal consequences, there's also a reputational impact to consider. Violations can become public record. Some grantors and major donors review registration status as part of due diligence before giving to an organization. c.        When should organizations get help?                                                                                              i.         – it depends, but organizations may consider their size and the number of states they solicit donations in. For example, small, local organizations with smaller footprints in a few states can likely handle their registration and renewals themselves. Organizations that are soliciting in the double-digit states may want to consider outsourcing their compliance.                                                                                           ii.          – Organizations may also consider consulting with their legal counsel. It's helpful to talk to your lawyer when the question stops being "which form do I file" and starts being "what does this statute mean?" Interpreting state definition of contributions, responding to a cease-and-desist letter, structuring a professional fundraiser contract, or navigating a multi-entity fundraising arrangement all entail judgment calls that would be best informed by legal expertise. Resources: ·       https://afj.org/article/does-your-nonprofit-have-a-donation-page-heres-what-you-need-to-know/ ·       https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-solicitation-initial-state-registration ·       2001 EO CPE Text State Charitable Solicitations Statutes, https://www.irs.gov/pub/irs-tege/eotopici01.pdf ·       https://www.councilofnonprofits.org/running-nonprofit/fundraising-and-resource-development/charitable-solicitation-registration ·       https://charitystateregistration.org/ ·       https://www.nasconet.org/resources/state-government

Send us Fan MailThroughout history women have made remarkable and lasting contributions to Black advancement. They have played instrumental roles in advocacy, policy development, community engagement, and the overall advancement of racial uplift. However, a glaring gap exists in the literature and discourse surrounding these women pioneers. In this two part series of ISOBP we hope to contribute to decreasing that gap.Support the showIn Search of Black Power is a Black-owned internet show and podcast.  This podcast is sponsored and produced by Leaders of a Beautiful Struggle (LBS). The internet show is published in collaboration with Black Liberation Media (BLM)

What does living the good life actually require?After sixteen conversations with seventeen guests, Kimberly Henrie steps behind the microphone alone to revisit the ideas that kept surfacing—whether the conversation began with RV travel, wellness, entrepreneurship, creativity, identity or community.The first lesson is to choose it. Patrick Smith, Sarah Jones and Greg Gunter showed how freedom can be designed through travel, work and place. Meghan DeFord, Jeffrey Eisen, Mia Dins and Mari Wuellner took the question inward: Are we living a life that fits, or performing the version of success we inherited?The second lesson is to build it. Brett Jensen, Kelly Freeman, Dane Mulligan, Patty Scallan, Veronica Munoz and Andrea Maxim each demonstrated that reinvention rarely comes with a complete blueprint. It grows through experiments, pauses, unexpected opportunities and small actions taken before certainty arrives.The third lesson is to share it. Jennifer Schillaci, Lynn Harris, Sebastien Samuel and Georgette Beck reminded us that freedom without connection can become lonely. The good life becomes richer through friendship, creativity, encouragement, service and contribution.In this solo recap, Kimberly offers three questions:Am I building the life I genuinely want—or performing the one I was handed?What small, imperfect move could I make before I feel completely ready?Who could I reach toward, encourage or contribute to from the life I am building?The good life is not one destination, lifestyle or final achievement. It is something we choose, build and share.Subscribe to Living the Good Life for more honest conversations about purpose, wellness, creativity, adventure and freedom in every season of life.Join the conversation: Come hang out with us in the Living the Good Life Facebook community for:Episode previewsBonus contentGuest Q&A opportunitiesA community of people choosing to live with more intention and joyJoin the Living the Good Life FB Community: https://www.facebook.com/groups/LTGLCommunityEvery episode proudly sponsored by http://SwitchtoUSAMade.comContact Kimberly Henrie at https://livingthegoodlife.us/If this episode resonated with you, take a moment to leave a review or share it with someone who might need a little nudge toward their own version of the good life.

It's summer!  Time for fun in the sun and extra time with friends and family, which can have an impact on the finances!  In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through a few things that can be helpful during a mid-year financial planning check. Ideas for Summer Planning: Take a moment to review your spending and reflect on whether it matches up with those goals! Spent a lot of money on eating on travel, but travel is important to you? That might be just fine!  Everyone is different. Review progress toward making maximum retirement contributions (if you are able). Are you on track to make the maximum employee deferral contribution of $24,500 to your employer plan? Review your cash on hand to see if you have anything “extra” that can be put toward long-term goals. Can potentially add funds to 529 college savings accounts, 530A (Trump Accounts), or other investment accounts, depending on your goals. Go through your workplace benefits to ensure you are using them! Unused vacation days that may expire? Flexible Spending Account balances that need to be used? Potentially make some strategic tax planning moves depending on your circumstances. Example: Roth conversions add funds to your taxable income in the year converted, but then funds can grow tax free if used for qualified retirement withdrawals. Do a quick risk review – For example do you have adequate insurance and an estate plan drafted? You can review your finances any time of year, but the summer can be a great mid-year reset.  Sit back and relax on your deck with a cold beverage and lots of numbers!  Sounds like fun to us! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. A Roth IRA conversion—sometimes called a backdoor Roth strategy—is a way to contribute to a Roth IRA when income exceeds standard limits. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you're required to take a minimum distribution in the year of conversion, it must be completed before converting. To qualify for tax-free withdrawals, you must generally be age 59½ and hold the converted funds in the Roth IRA for at least five years. Each conversion has its own five-year period, and early withdrawals may be subject to a 10% penalty unless an exception applies. Income limits still apply for future direct Roth IRA contributions. This material is for informational purposes only and does not constitute tax, legal, or investment advice. Please consult a qualified tax professional regarding your individual circumstances. Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.​ Trump Accounts offer tax deferred growth on earnings. Family contributions are made with after tax dollars, and eligible employer contributions may be excluded from the employee's taxable income. A one time $1,000 federal contribution may be available for eligible children born between 2025 and 2028. Distributions are generally prohibited during the child's growth period and, once permitted, are taxable as ordinary income and may be subject to a 10% IRS early distribution penalty if taken before age 59½. Contribution limits and other restrictions apply, and some rules remain subject to future Treasury and IRS guidance. Consult a qualified tax advisor or financial professional before making decisions. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.​ Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. Citations: Internal Revenue Service.  Frequently asked questions on gift taxes. https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes. Internal Revenue Service.  Charitable contribution deductions.. https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-contribution-deductions. Trump Accounts. https://trumpaccounts.gov/. Bart, Susan T. and Connie T Eyster.  What is a Trump Account? Rules, Taxes, and How They Work for Families. https://www.actec.org/resource-center/video/trump-accounts-explained/. 2026. The American College of Trust and Estate Counsel.

The conversation delves into the influence of the Pixies on music, explores the album 'Doolittle,' and discusses the complexity of the Pixies' music. Initial impressions of the album and favorite songs are also analyzed in detail. The conversation methodically explores the unique sound of the Pixies, their impact on listeners, and their influence on other bands. It delves into the concept of verse-chorus-verse, the phenomenon of goosebumps while listening to music, and the comparison between Pixies and Nirvana. Additionally, it discusses the domestication of punk rock, the 'Ozzy Osbourne Bat Head Award,' and the underrated impact of Pixies' music. The conversation also highlights the influence of Pixies' music on other bands and the significant contribution of Kim Deal to the Pixies' sound. The conversation delves into the influence of Smashing Pumpkins on the Pixies, the impact of Doolittle on the music industry, and the importance of Kim Deal's bass playing and harmonies. These themes are explored in-depth, providing valuable insights into the significance of the album and its lasting legacy.TakeawaysInfluence of the Pixies on musicExploring the album 'Doolittle'Complexity of the Pixies' music Pixies' influence on musicThe impact of Pixies' music on listeners Influence of Smashing Pumpkins on the PixiesImportance of Kim Deal's bass playing and harmoniesThe impact of Doolittle on the music industryChapters00:00 Favorite Songs and Album Analysis55:23 Kim Deal's Contribution to Pixies' Sound

8-2-26

What is racism, really?

Hello Interactors,I've long been a fan of “regreening” cities, imagining replacing bits of asphalt and concrete with trees, plants, mini-parks, and green roofs to cool them down. In many cases these are indeed good interventions. But even these celebrated nature-based solutions to the “urban heat island” effect require closer inspection. It turns out any land cover change alters energy, water, and momentum exchanges between the Earth's surface and the atmosphere. Which are the right ones and where?To understand why cookie cutter greening plans can fail and how planners and policy makers can build cities that can handle climate change, we need to understand how land and the air interact. Environments vary from place to place, and this puts limits on what we can do to land to create urban climates that are both beautiful and healthy.To get a handle on what the research says, I found a literature review from 2025 that synthesized findings from 84 peer-reviewed studies. In was published in the journal Climate Risk Management.Let's see what they, and others, found.BEATING HEAT WITH BIOPHYSICAL FEATSWhat better place to start than science. Let's just delve right into how urban green spaces affect temperature. It starts with determining the energy balance at the surface of the earth. This comes from a budget equation found in physical geography. When sunlight hits the Earth's surface, it breaks down into three main fluxes, or ways heat moves around* Sensible heat flux: the heat that directly warms the surrounding air, which we measure as temperature.* Latent heat flux: the heat that's used to turn water from a liquid to a gas, like when we sweat or plants release water vapor (transpiration).* Ground heat flux: the heat stored in building materials, asphalt, and soil.In conventional urban environments dominated by concrete and asphalt, latent heat flux is minimal because we've built cities in ways that rapidly drain water away as ‘waste'. As a result, incoming solar energy is funneled into sensible heat. This raises daytime air temperatures that gets stored as ground heat, which is slowly radiated back into the city at night. Urban greening can reshuffle this thermodynamic budget through three interconnected physical mechanisms: shading, evapotranspiration, and albedo modification.Mechanism 1. Shading: Intercepting Solar RadiationShading — the most immediate and reliable cooling mechanism provided by vegetation — requires precise microclimatic quantification. Vegetative canopies act as physical shields, intercepting incoming shortwave solar radiation before it strikes impervious surfaces like concrete or asphalt. By preventing these dense materials from absorbing heat and emitting sensible heat flux back into the boundary layer, shading dramatically lowers surface temperatures and reduces the baseline thermal energy transferred to the surrounding air. (Bowler, D. E., et al. 2010)The cooling benefit of urban trees is non-linear, accelerating significantly once neighborhood canopy cover crosses a critical threshold of around 40%. Measuring daytime air temperatures across urban gradients, they found that canopy cover above this 40% mark can lower local air temperatures by up to 1.5 to 2.0 degrees Celsius, effectively offsetting the thermal burden created by surrounding roads and impervious surfaces. (Ziter, C. D., et al. 2019)Mechanism 2. Evapotranspiration: Trading Sensible Heat for Latent HeatWhile shading blocks heat absorption, evapotranspiration actively removes heat from the air. Plants absorb soil moisture through their root systems and release it as water vapor through tiny microscopic pores in their leaves called stomata. This process requires thermal energy that turns phase-changing liquid water into gas. This energy transfer absorbs sensible heat and converts it into latent heat.Evapotranspiration from well-watered urban green spaces can lower local air temperatures by 2-4 degrees celsius. (Coutts, et al., 2013) However, physical geographers emphasize a crucial physical prerequisite that is easy to overlook: evapotranspiration is entirely dependent on available water. When the soil is dry or the air is super dry, plants close their stomata to save water. When stomata close, evapotranspiration shuts down. This leaves shading as the sole remaining cooling mechanism.Mechanism 3. Albedo Dynamics: The Surface Reflectivity ParadoxAlbedo measures the reflectivity of a surface on a scale from 0.0 (total absorption) to 1.0 (total reflection). Urban asphalt has a low albedo (0.05 to 0.10), absorbing up to 95% of incoming solar energy. Vegetation's albedo can range from 0.11 to 0.25.In temperate climates, replacing low-albedo asphalt with greenery or reflective surfaces increases surface reflectivity, sending more solar radiation back into space before it can be absorbed as sensible heat. One study documented that increasing urban surface albedo typically lowers peak ambient air temperatures by 0.3 degres Celsius to 1.0 degree Celsius — alongside much larger drops in surface pavement temperatures. While a temperature change under one degree Celsius may sound modest at first glance, a baseline shift of this magnitude across a neighborhood is enough to redefine a local microclimate. (Santamouris, 2014)But swapping out light urban surfaces for dark vegetation can also have a negative effect. Paradoxically, when researchers in 2023 replaced dry, light-colored desert soil with darker vegetation in hot, arid regions it reduced overall surface reflectivity. The drop in albedo caused an increase in daytime surface warming. (Schlaerth, et al., 2023)Furthermore, dense tree canopies inside narrow urban street canyons can act as thermal blankets at night. While trees provide valuable shade during the day, their foliage reduces the sky view factor at street level, trapping outgoing longwave thermal radiation emitted by surrounding building facades and asphalt. When combined with reduced wind permeability, this canopy barrier restricts nocturnal radiative cooling and holds warm air near ground level (Lee et al., 2016).These are the physical realities that can demonstrate how urban greening is not a consistently inherent cooling practice. It is a complex thermodynamic intervention whose success relies entirely on local environmental conditions.PLACEMENT, PATCHES, AND PARK PATTERNSBecause thermodynamic processes happen across physical spaces, cooling urban green space can be uneven. The literature review reveals that a green space's cooling capacity depends on four spatial and biological variables: vegetation density, species selection, spatial configuration, and urban morphology. Let's break them down individually.Cooling Factor 1. Vegetation Density and Species TraitsNot all greenery cools equally. One way to measure this is through a Leaf Area Index (LAI). This is the total leaf area per unit of ground area and is a primary predictor of thermal performance. As you might imagine, dense foliage absorbs more from the sun and then produces higher cumulative transpiration (so long as there's adequate water).Botanical traits also play a big role. Broadleaf deciduous species (like oaks or maples) feature large surface areas that maximize summer transpiration, but that goes away when they drop their leaves in winter. Evergreen coniferous trees, however, maintain continuous canopy coverage through every season.In temperate rainforest environments like Seattle or Vancouver, researchers found that conifers cooled urban surroundings up to 1.7 degrees celsius more effectively than broadleaf trees. Dense needle canopies continuously block incoming solar radiation due to higher LAI and the fact that clusters of spiny needles better trap a stable buffer of calm air which moderates heat exchange with the surrounding urban environment. (Eyster & Beckage, 2022, 2023) Cooling factor 2. Spatial Configuration: Landscape Ecology PrinciplesEcologists and geographers commonly evaluate green spaces through two main attributes: composition (how much green space exists) and configuration (how those green patches are arranged across the landscape). Over 58% of the mechanism-focused studies in the literature review analyzed spatial pattern metrics. The consensus is the spatial layout of green space is just as important as its total area!Other empirical studies consistently demonstrate that cooling effects decay the further you get from green spaces. Research done in 2016 and 2023 shows how urban parks can produce a primary “cooling footprint” that extends typically 100 to 300 meters from the park boundaries. If you're lucky enough to live within this buffer, temperatures drop between 1.9 and 3.1 degrees celsius, but beyond 300 meters, the cooling influence quickly falls off. (Bao, et al. 2016, Shi et al. 2023)This spatial limit leads to a couple spatial layout choices. A few big parks or connected networks of smaller green spaces. Large, consolidated parks (>2 hectares) generate intense, stable “cool islands” at their core, but their benefits remain localized. For example, a study in Xalapa, Mexico, revealed that parks larger than 2.8 hectares with over 21% tree cover provided reliable local cooling of around 2 degrees celsius . (Lemoine-Rodriguez et al., 2022)Connected networks of smaller green spaces distributed across a city create a more equitable cooling effect. Three studies in 2019 and 2021 show that fragmented, isolated green patches — like big parks — perform poorly compared to continuous, linear green corridors. Linear “green belts” or street-tree networks (in the right environment) can act as ventilation channels, allowing cool air generated by vegetation to flow into adjacent built-up neighborhoods. (Masoudi et al., 2019, 2021; Pramanik, 2019)Cooling factor 3. Urban Morphology: The Built Environment MatrixObviously, green spaces don't exist in isolation. They're embedded within a three-dimensional hodge podge of buildings, streets, and other bits of infrastructure. Urban morphologists can quantify this urban morphological cacophony using building height-to-street-width ratio and sky view factor - the extent to which surrounding structures and canopies obstruct a location's view of the open sky.High-density urban cores with tall buildings create deep “urban canyons” that generate their own shade. In these settings, building shade can combine with tree shade during peak daylight hours to significantly lower temperatures.However, studies show that if tree canopies in narrow street canyons are too dense — particularly in humid environments — they can trap anthropogenic heat emitted by vehicle exhaust and air conditioning condenser units. They can also significantly reduce localized wind speeds. As a result, maximizing green space cooling efficiency requires aligning vegetation density and canopy architecture with prevailing wind corridors to preserve urban ventilation channels (Cheung & Jim, 2019; Morakinyo et al., 2019).Nothing is every as easy as it seems.BRIDGING GAPS WITH BETTER MAPSWhile academic literature can offer detailed insights into microclimatic processes, there remains a big gap between academia and urban planning and governmental policy. That gap may be self-fulfilling. The literature review of 84 papers revealed 61% of the papers simply advocate for expanding green space area, whereas only 26% focus on optimizing existing green infrastructure.Recommending that dense, historical cities “add more large parks” ignores real-world urban constraints. In modern, rapidly expanding cities, urban land is expensive, highly contested, and structurally constrained. Space dedicated to a new park often competes directly with housing, transit infrastructure, or commercial development. To move beyond idealistic slogans, urban planning will have to recon with three major implementation challenges.Challenge 1. The Water-Energy-Heat Nexus in Arid CitiesThe most significant implementation challenge facing nature-based solutions occurs precisely where urban heat stress is most severe — in hot, arid regions. Cities like Phoenix, Cairo, Tehran, or Riyadh already suffer from intense summer heatwaves. You don't have to live in or visit these places to know water there is extremely scarce.Maintaining green spaces in places like this requires pumping groundwater or desalinating seawater. Pumping and desalinating water requires massive amounts of electricity, which only increases greenhouse gas emissions if that power is coming from fossil fuels. Furthermore, if irrigation water runs out during a heatwave, non-adapted vegetation dries out, loses its cooling capacity, and can even become a wildfire risk.To solve this dilemma, physical geographers advocate evaluating urban greening through a standardized resource efficiency metric: evapotranspirative cooling per unit of water applied. In plain language, this ratio measures how many degrees of cooling you get for each liter (or gallon) of water that plants and soil release into the air through evaporation and transpiration.In dry climates — where municipal water is already tightly rationed and turfgrass is increasingly discouraged but rarely banned (I'm looking at you Arizona) — urban greening strategies are going to have pivot away from high-water lawns and non-native foliage. These cities have to move from simply prioritizing or incentivizing drought-tolerant species to requiring them. While drought-tolerant plants transpire less water than many other plants and trees — and still require water — when combined with drip-irrigation using treated municipal wastewater (greywater), they can provide a pretty reliable canopy shade and even modest evaporative cooling without draining water reserves.Challenge 2. Environmental Justice and Thermal EquityUrban heat exposure is rarely, if ever, distributed evenly across socio-economic groups. In many cities worldwide, low-income neighborhoods exhibit significantly lower tree canopy cover, higher proportions of impervious asphalt, and higher building densities than the more affluent suburbs and ex-urbs. This imbalance leaves more vulnerable populations exposed to extreme heat hazards.When municipalities undertake uncoordinated “regreening” projects, they risk triggering green gentrification. Installing fancy attractive parks can then inflate surrounding property values, displacing residents while still not reducing their heat related vulnerability.To address this, requires targeted interventions like deploying small-scale, distributed interventions (think pocket parks, vegetated bus stops, and road corridors) directly in high-vulnerability, low-canopy/vegetation neighborhoods. You could focus on functional shading over high-maintenance aesthetics. This could better ensure that at least transit stops, pedestrian walkways, and playgrounds are prioritized for canopy cover. Lastly, combining situated green infrastructure with social policy could create and/or protect more affordable housing around old and new greened public corridors and spaces.Challenge 3. A Multi-Benefit, Context-Specific Design FrameworkNo single cooling intervention works everywhere. Planners and policy makers need to adopt an integrated, multi-tiered approach that combines nature-based solutions with material interventions.In arid and semi-arid environments, planners should prioritize structural canopy shading and end an over-reliance on water-intensive lawn evapotranspiration. It's time to demand drought-tolerant trees with greywater irrigation networks, shade sails, and high-albedo “cool pavements” that can better reflect solar radiation without draining water resources.In contrast, humid and more temperate climates would likely benefit most from maximizing green spatial connectivity. By linking existing parks through linear street-tree corridors — with select broadleaf and/or coniferous species — summer evapotranspiration can be enhanced while maintaining year-round microclimate regulation.Finally, within high-density, built-up cores where ground space for new parks is limited, cities should leverage vertical green walls and green roofs paired with reflective building materials. But they best also preserve prevailing wind corridors while preventing nighttime heat traps through street canyons.“Regreening” is a compelling slogan, but as physical geography demonstrates, simplistic blanket policies can yield unpredictable thermodynamic results. Simply planting trees without considering local climate, available water, species traits, spatial configuration, and urban geometry can lead to unintended consequences.The exhaustive synthesis of decade-long research provided by Hadi Soltanifard and Majid Amani-Beni (2025) offers a clear path forward. Nature-based solutions are not off-the-shelf products that can be copy-pasted across different global cities. They are dynamic, living interventions that alter energy fluxes across urban surfaces.By moving beyond blanket acreage targets and framing urban greening as the strategic reorganization of surface-energy relations, geographers, urban planners, and policymakers will need to work together. When we design green infrastructure that respects local environmental constraints, honors spatial equity, and optimizes microclimatic processes, urban greening moves from a vague policy promise toward tools of experimentation that can pragmatically evolve our cities and megaregions into truly climate-resilient urbanscapes.ReferencesBowler, D. E., Buyung-Ali, L., Knight, T. M., & Pullin, A. S. (2010). Urban greening to cool towns and cities: A systematic review of the empirical evidence. Landscape and Urban Planning, 97(3), 147-155.Cheung, P.K., Jim, C.Y., 2019. Differential cooling effects of landscape parameters in humid-subtropical urban parks. Landscape and Urban Planning 192, 103651.Coutts, A.M., Tapper, N.J., Beringer, J., et al., 2013. Watering our cities: the capacity for Water Sensitive Urban Design to support urban cooling and improve human thermal comfort in the Australian context. Progress in Physical Geography 37(1), 2–28.Eyster, H. N., & Beckage, B. (2022). Conifers may ameliorate urban heat waves better than broadleaf trees: Evidence from Vancouver, Canada. Atmosphere, 13(5), 830.Eyster, H. N., & Beckage, B. (2023). Arboreal urban cooling is driven by leaf area index, leaf boundary layer resistance, and dry leaf mass per leaf area: Evidence from a system dynamics model. Atmosphere, 14(3), 552.Lee, H., Mayer, H., & Chen, L. (2016). Contribution of trees and grasslands to the mitigation of human heat stress in a residential district of Freiburg, Southwest Germany. Landscape and Urban Planning 148:37–50.Lemoine-Rodríguez, R., Inostroza, L., Falfán, I., & MacGregor-Fors, I. (2022). Too hot to handle? On the cooling capacity of urban green spaces in a Neotropical Mexican city. Urban Forestry & Urban Greening, 74, 127633.Masoudi, M., Tan, P.Y., 2019. Multi-year comparison of the effects of spatial pattern of urban green spaces on urban land surface temperature. Landscape and Urban Planning. 184, 44–58.Masoudi, M., Tan, P.Y., Fadaei, M., 2021. The effects of land use on spatial pattern of urban green spaces and their cooling ability. Urban. Clim 35, 100743.Masoudi, M., Tan, P.Y., Liew, S.C., 2019. Multi-city comparison of the relationships between spatial pattern and cooling effect of urban green spaces in four major Asian cities. Ecol. Indic 98, 200–213.Morakinyo, T.E., Ouyang, W., Lau, K.-K.-L., et al., 2020. Right tree, right place (urban canyon): Tree species selection approach for optimum urban heat mitigation-development and evaluation. Sci. Total. Environ 719, 137461.Pramanik, M. (2019). Impacts of urban expansion on land surface temperature and urban heat island in Kolkata Municipal Corporation, India. Environmental Monitoring and Assessment, 191(12), 738.Santamouris, M. (2014). Cooling the cities—a review of reflective and green roof mitigation technologies to fight heat island and improve comfort in urban environments. Solar Energy, 103, 682-703.Schlaerth, Hannah L., et al. "Albedo as a competing warming effect of urban greening." Journal of Geophysical Research: Atmospheres 128.24 (2023): e2023JD038764.Soltanifard, H., & Amani-Beni, M. (2025). The cooling effect of urban green spaces as nature-based solutions for mitigating urban heat: Insights from a decade-long systematic review. Climate Risk Management, 49, 100731.Ziter, C. D., Pedersen, E. J., Kucharik, C. J., & Turner, M. G. (2019). Scale-dependent interactions between tree canopy cover and impervious surfaces reduce daytime urban heat. Proceedings of the National Academy of Sciences (PNAS), 116(15), 7575-7580. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit interplace.io

While we were at last year's Taiwanese American Conference West Coast in July of 2025 which was hosted in San Francisco Silicon Valley, we sat down with Akio Yaita (矢板明夫), the keynote speaker of the conference. As a senior journalist at Sankei Shimbun Akio has covered Beijing and Taipei. He's been a strong advocate for Taiwan. In 2024 Akio obtained citizenship in Taiwan and founded the Indo-Pacific Strategy Thinktank. Related Links: https://talkingtaiwan.com/akio-yaita-%e7%9f%a2%e6%9d%bf%e6%98%8e%e5%a4%ab-outspoken-taiwan-advocate-in-taiwan-i-can-make-a-bigger-contribution-ep-355/ As we were working on translating and editing our interview with Akio we were disturbed to learn that on July 6th Akio was assaulted after a speaking engagement in Taichung. While Akio was in the lobby of a hotel, a Chinese man approached him and punched him in the face. The man, surnamed Liao (廖) was later arrested at the Taichung International Airport. Taiwan's Mainland Affairs Council described the attack as the "first case of transnational repression" in Taiwan since China's Ethnic Unity and Progress Promotion Law took effect on July 1. After the attack Akio has said that he will not be intimidated.   What timing it's turned out to be for us to be sharing our interview with Akio Yaita now. You'll get know about his backstory and how you can follow him and his work.   This episode is sponsored in part by the Pacific Times.   Related Links: https://talkingtaiwan.com/akio-yaita-%e7%9f%a2%e6%9d%bf%e6%98%8e%e5%a4%ab-outspoken-taiwan-advocate-in-taiwan-i-can-make-a-bigger-contribution-ep-355/

Your Contribution Legacy Starts Today! Supersize Your Business Annual Challenge Day 211! Pop in here every day for a dose of different business building perspective! https://facebook.com/supersizebusiness Supersize Your Business (free) Skool link: https://www.skool.com/supersize-your-business-1654/about #supersizeyourbusiness #supersizechallenge #supersizeyourbusinessannualchallenge #contribution #give #dowhatyoucan #supersizeyourbusinesschallenge #givingback #businessimpact #entrepreneurtrap #measure #whatmatters #journalimpact #liveschanged #awesomenessfile #output #rippleeffect #teach #teachwhatyouknow #teachwhatyoulearn #sharestories #experience #beanexample #leavingbehind #legacy #setexample #model #celebrateothers #competition #abundantmindset #rippleeffect #infiniteimpact #identityshift #Iamagiver #fastestchange #contributionlegacy #legacy Can you keep up positive habits after a 30 day challenge ends? This reflection explores the struggle of maintaining consistency. After dedicating a month to making positive contributions, the real test begins. This video examines the common fear of reverting to old behaviors once a structured period of improvement concludes. It is a candid look at the friction between finishing a short-term goal and building a lifestyle of lasting impact. If you have ever struggled with personal growth reflection after completing a specific challenge, this discussion is for you. We break down why the momentum often fades and how to bridge the gap between a temporary experiment and sustainable change. The goal is to move past the initial burst of energy and find a way to make these positive habits stick long-term. Subscribe for daily personal growth breakdowns, and comment below on how you maintain your habits after a challenge ends.

Your Contribution Legacy Starts Today! Supersize You Annual Challenge Day 211! Join us every day in 2026 for a quick challenge that is all about you Improving and creating the life you want! https://www.facebook.com/ThrivingSharon Ask your questions and share your wisdom! #supersize #doonethingeverydaytosupersizeyou #lessonslearned #missedopportunities #decisionmaking #beabetteryou #personalgrowth #developskills #uncoverwhatis #contribution #giving #maketheworldabetterplace #impact #benefitsofgiving #impactofyou #givetoget #breakyourheart #yourmission #yourpurpose #triggersemotions #curious #excited #givetime #giveattention #givevalue #beyou Discover meaningful contribution ideas to improve your daily impact. Learn how to offer your time, energy, and unique skills to others. This video explores the core concepts of contribution as part of the Super Size U annual challenge. If you are looking for practical ways to give back to your community but are unsure where to start, this guide breaks down how to identify your specific strengths. Whether you have resources to share or simply want to offer your time, understanding your unique role is the first step toward effective change. We discuss the various forms that personal contribution can take, from using your professional skills to offering simple acts of service. By the end of this session, you will have a clearer strategy for integrating giving back into your personal growth challenge. Identifying how you can best serve those around you creates a sustainable path for community contribution that aligns with your personal values. Subscribe for daily personal development breakdowns, and comment below with one way you plan to contribute this week. #mentorsomeone #sharewisdom #care #intentionalgiving #giveregularly #whatmatters #mindset #rippleeffect #infiniteimpact #identity #whoyouare #messedup #mistake #fixit #problemsolve #legacy

It's Thursday, July 30. Here are today's top stories around Central Indiana. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org and follow us on social media to get local news every day. WFYI News Now is hosted by Barb Anguiano and produced by Zach Bundy. Subscribe wherever you get your podcasts.

I F'd Up! What's SHE Up To Now Day 3102? Supersize Challenges, Coaching, AI, Contribution...? Join us every day in 2026 for a quick challenge that is all about you Improving and creating the life you want! https://www.facebook.com/ThrivingSharon Ask your questions and share your wisdom! #supersize #lessonslearned #missedopportunities #decisionmaking #beabetteryou #personalgrowth #developskills #uncoverwhatis #giving #coaching #scaling #supersizechallenges #howcanIhelp #contribution #AI #coaching #exhausted #burnout #skoolcommunity #legacy #impact #legacy #whatssheuptonow #documentthejourney #competition #abundancemindset #review #SUPER #rippleeffect #makingwaves #impact #identity #whoyouare #messedup I made a simple date confusion mistake by misreading my computer screen. Learn how I am turning this error into a positive outcome. Visual accessibility issues can happen to anyone, even when just checking the date. This video recounts my experience of thinking it was July 29th, 2026, when it was actually July 28th, 2026, and how that specific moment impacted my day. If you have ever struggled with computer screen reading due to visibility challenges, this story will resonate with you. Facing a minor setback is frustrating, but changing your perspective is possible. I break down why this date confusion occurred and the steps I am taking to find a positive outcome despite the error. We discuss the importance of patience when navigating digital tools and how to handle small blunders with grace. Subscribe for daily personal growth breakdowns, and comment below with a time you turned a small mistake into a better day.

In this episode, Nirit Cohen—founder of Workfutures and former senior global people leader at Intel—explores the shifting boundaries between work and life in an era shaped by technology and automation. Drawing on her expertise in digital workplace transformation, Cohen discusses why uniquely human contributions remain critical, how to uncover hidden value within organizations, and the dangers of viewing people as interchangeable with AI. Listeners will gain new perspectives on nurturing adaptability, collaboration, and human-centered leadership as organizations evolve in the face of automation and changing roles.

Too many producers operate from a place of scarcity - they walk into discovery meetings desperate for the win, giving off an energy that actually repels prospects. If you want to scale your book and become a true industry expert, you have to completely shift your mindset: stop needing the deal, and start making it entirely about the buyer.My guest, Jon Slusser, Chief Growth Officer at Gibson, joins me to discuss how to cultivate this "Elite Mindset." Jon shares his journey from being a self-described "turd" and selfish college soccer forward to becoming an ego-free, collaborative sales leader. We discuss the necessity of "detaching" from a deal, why new producers must operate with a sense of urgency (and avoid the "salary guarantee trap"), and how Gibson uses the "4 C's" to successfully integrate new talent alongside gray-haired veterans. Jon also opens up about his son Leo, a true "one-of-one," and how facing an unprecedented medical journey clarified his ultimate priorities as a father, husband, and professional.▶▶ Sign Up For Your Free Discovery Callhttps://completegameu.com/request-a-callTimestamped Outline(00:00) The Mastodons and Nepotism: How Jon Found His Way to Insurance(04:54) The Worst Teammate: A Harsh Soccer Lesson That Built a Better Leader(07:37) The Necessity of Coachability: Identifying Natural Curiosity and Humility(10:33) Shifting Mindsets: Detaching from the Deal and Leading with Abundance(13:00) The Unseen Force of Sales: How Prospects Feel Your Scarcity Energy(14:50) "If You Can't Be My Friend, You Can't Be in My Book of Business"(16:32) Advice for New Producers: Bring Your Future Forward and Ditch the Waiting Game(18:31) The Trap of Salary Guarantees: Finding the Sweet Spot of Urgency(21:40) Gibson's Training Strategy: Niche Focus, Defined Buyers, and Veteran Support(25:01) The 4 C's of Producer Development: Clarity, Connection, Contribution, and Commitment(26:44) The Tampa Bay Epiphany: Transitioning from Top Producer to "Hero Maker"(31:13) Leo's Story: Controlling the Controllables During a 103-Day NICU Stay(37:34) Jon's Lightning Round: The 4:30 AM Five Pillar Routine, Marathon Training, and The Purple CowCONNECT WITH ANDY NEARY

Acts of kindness feel good, but they are rarely profitable. Ivo Gormley has spent nearly twenty years proving it's possible while creating an incredible community around helping people.We sat down with him to find out how.Since starting GoodGym in 2007 with a single newspaper run, Ivo has built it into a movement of 25,000+ volunteers across 60+ cities. He's been awarded an OBE and made GoodGym the first-ever charity to win the Sky Zero Footprint Fund Grand Prix.Ivo is also a teacher at the Executive Programme at Future London Academy. Learn from him in-person: https://fla.wiki/3TdVYZlIn this video, you'll learn:▶ How an £8 suggestion made over a pint became a reliable, recurring source of income▶ Why he chose to become a charity, not a business, and doesn't regret it▶ How he built what he needed because no one else did▶ Why a genuine, acknowledged role in delivering something beats a frictionless experience of receiving it▶ Why designing for contribution creates more winners than competition0:00 - Who is Ivo Gormley? GoodGym founder introduction1:41 - Anthropology, comedy & service design: Ivo's career path6:03 - The story behind GoodGym: why Ivo started it9:05 - Quitting his job to go full-time on GoodGym (2013)12:14 - Group runs & community volunteering: the GoodGym model14:34 - GoodGym's donation-based business model explained19:29 - How GoodGym got local councils to invest24:55 - GoodGym during COVID: volunteering through the pandemic35:25 - Charity vs social enterprise: why GoodGym chose nonprofit status44:55 - Design, loneliness & human connection52:45 - How AI is eroding human identity (the Stack Overflow effect)1:04:20 - Building a business with AI without losing human connectionSubscribe to our social media channels:Instagram: @futurelondonacademyLinkedIn: Future London AcademyTwitter: @flondonacademyfuturelondonacademy.co.uk

Sometimes life stops looking anything like the picture we carried in our heads. That does not mean the story is over—and it may not even mean we are starting from scratch.In this episode of Living the Good Life, Kimberly welcomes Georgette Beck, author of Junk to Jewels: A Journey From Brokenness and Despair to Beauty and Delight. Georgette reflects on the smiling, high-achieving girl who was quietly carrying shame; the painful adult season she calls her rescue; and the people, practices, and choices that helped her begin recognizing her own value.Their conversation moves through Georgette's four C's—contemplation, community, caring, and contribution—and into the wonderfully ordinary things that can make a life feel like your own again: inviting someone for coffee, walking near the water, buying yourself flowers, painting badly and happily, asking for help, and sharing what you have learned.Georgette also speaks candidly about being a late bloomer, earning a degree while raising her daughter and working, creating a nonprofit from the care she once received, and feeling an urgency to write the stories her family did not get to tell.In this episode:Why healing and confidence arrive in layersThe difference between looking successful and feeling worthyHow community can make courage possibleA simple first step when reaching out feels uncomfortableWhy knowing what you love is part of defining the good lifeHow caring for others can turn survival into contributionSubscribe to Living the Good Life for more conversations with people choosing purpose, wellness, creativity, and adventure in every season of life.Connect with Georgette: Book: https://a.co/d/0etqV85UFacebook: https://www.facebook.com/GeorgetteBeckWriterInstagram: https://www.instagram.com/georgette.beck/LinkedIn: https://www.linkedin.com/in/georgette-beck-7a659387/Join the conversation: Come hang out with us in the Living the Good Life Facebook community for:Episode previewsBonus contentGuest Q&A opportunitiesA community of people choosing to live with more intention and joyJoin the Living the Good Life FB Community: https://www.facebook.com/groups/LTGLCommunityEvery episode proudly sponsored by http://SwitchtoUSAMade.comContact Kimberly Henrie at https://livingthegoodlife.us/If this episode resonated with you, take a moment to leave a review or share it with someone who might need a little nudge toward their own version of the good life.

We are entering an Age of Revolution… and true fulfillment, purpose and literal DESTINY… will come through High Service and Contribution over chasing metrics and cheap dopamine. For show notes, links and transcripts, visit https://oathoracle.com/2026/07/21/aab39  ❤️‍

Please support this podcast by pressing the follow button and support Chinmaya Mission Mumbai projects taken up by Swami Swatmananda, through generous donations. Contribution by Indians in INR can be made online using this link: https://bit.ly/gdswatmanDonors outside India who would like to offer any Gurudakshina/donation can send an email to enquiry@chinmayamissionmumbai.com with a cc to sswatmananda@gmail.com to get further details.These podcasts @ChinmayaShivam are also available on Spotify, Apple iTunes, Apple Podcasts, Podomatic, Amazon music and Google PodcastFB page: https://www.facebook.com/ChinmayaShivampageInsta: https://instagram.com/chinmayashivam?igshid=1twbki0v3vomtTwitter: https://twitter.com/chinmayashivamBlog: https://notesnmusings.blogspot.comLinkedIN: www.linkedin.com/in/swatmananda

Please support this podcast by pressing the follow button and support Chinmaya Mission Mumbai projects taken up by Swami Swatmananda, through generous donations. Contribution by Indians in INR can be made online using this link: https://bit.ly/gdswatmanDonors outside India who would like to offer any Gurudakshina/donation can send an email to enquiry@chinmayamissionmumbai.com with a cc to sswatmananda@gmail.com to get further details.These podcasts @ChinmayaShivam are also available on Spotify, Apple iTunes, Apple Podcasts, Podomatic, Amazon music and Google PodcastFB page: https://www.facebook.com/ChinmayaShivampageInsta: https://instagram.com/chinmayashivam?igshid=1twbki0v3vomtTwitter: https://twitter.com/chinmayashivamBlog: https://notesnmusings.blogspot.comLinkedIN: www.linkedin.com/in/swatmananda

“The Smoak Show” on 365 Sports-YouTube Thursday, July 16th:*Michigan's Board of Regents Meeting (RealTonyGarcia)*Actual Video/Audio Clip from Michigan Board Meeting (RealTonyGarcia)*Cody Campbell's Contribution to Ken Paxton Day Before Lawsuit (Kayla Guo)*Kevin Jennings Recovery Center (CFBAlerts_)*ACC Tiebreaker to Break a Tiebreaker (Nicole Auerbach)*USC 10-Year Extension with Nike (BryanDFischer)*Sun Belt Conference Football Pre-Season Poll (Brett McMurphy) The World Cup:*Spain vs. Argentina in The Final (FIFAWorldCup)*First World Cup Final Featuring Two Spanish Speaking Countries (The Iain Cameron)*Messi's Assist to Game-Winning Goal Fan Camera (Video)*Argentinian Broadcaster Pablo (FOS-Video)*World Cup Final Ticket Prices (Joe Pompliano) *The Open Championship Leaderboard 0:30:00-Sam Khan, TheAthletic.com1:20:00-Dennis Dodd, Athlon's and Lindy's1:45:00-Craig Smoak's “Off the Radar”2:05:00-Phil Longo, Sam Houston State Football Coach2:25:00-Super Chats/Wheel/Quizzes/Polls*Rez, Garrett, Andrew, Logan, Huston Producing *Please Hit Like and/or Subscribe Buttons*365 Sports Tonight at 10:30 on Local CW (Tease Next Day Programming)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There's a reason marketing budgets are the first thing cut when a health system hits a hard quarter, and it's not because the work isn't valuable. It's because most marketing leaders are presenting their results in a language the C-suite doesn't speak.In this week's episode, Hedy & Hopp CEO & Founder Jenny Bristow gets into the specifics of how healthcare marketing leaders can walk into a board meeting and command the room — by ditching the marketing metrics and picking up the financial ones. Here's what's covered:The Three Financial Metrics the CFO Actually Cares About: Patient Acquisition Cost by service line replaces cost-per-lead with something the board can actually act on, like a precise price tag for bringing a new patient through the doors of a specific clinic. Contribution margin takes it a step further, showing the revenue generated by marketing-driven patients after accounting for the variable costs of their care. And service-line ROAS, broken down by high-margin procedures like cardiology, orthopedics, and neurology, replaces blended averages with numbers that actually mean something to a CFO. The shift in language is everything.Building the Executive-Ready Dashboard: The golden rule of board presentations: if a slide takes five minutes to explain, it's already lost. The three-column framework simplifies everything: the input (marketing spend by service line), the output (EHR-verified new patient encounters), and the impact (contribution margin and estimated lifetime value). Anchor it to your organization's current strategic plan and your dashboard becomes a strategic alignment tool.The Defensive Play — Framing the Cost of Inaction: The most powerful thing a marketing leader can do when budgets are on the table is reframe the conversation. A 20% budget cut isn't "saving money,” it's ceding market share to the competitor down the street. Show the historical correlation between reduced ad spend and the downstream drop in high-margin elective procedures, and give leadership a real choice: "We can reduce spend by 20% to hit this quarter's cost-cutting goal, but our models show this will result in a $150k drop in surgical contribution margin next quarter."Connect with Jenny:Email: jenny@hedyandhopp.comLinkedIn: https://www.linkedin.com/in/jennybristow/If you enjoyed this episode, we'd love to hear your feedback! Please consider leaving us a review on your preferred listening platform and sharing it with others.

Please support this podcast by pressing the follow button and support Chinmaya Mission Mumbai projects taken up by Swami Swatmananda, through generous donations. Contribution by Indians in INR can be made online using this link: https://bit.ly/gdswatmanDonors outside India who would like to offer any Gurudakshina/donation can send an email to enquiry@chinmayamissionmumbai.com with a cc to sswatmananda@gmail.com to get further details.These podcasts @ChinmayaShivam are also available on Spotify, Apple iTunes, Apple Podcasts, Podomatic, Amazon music and Google PodcastFB page: https://www.facebook.com/ChinmayaShivampageInsta: https://instagram.com/chinmayashivam?igshid=1twbki0v3vomtTwitter: https://twitter.com/chinmayashivamBlog: https://notesnmusings.blogspot.comLinkedIN: www.linkedin.com/in/swatmananda

Meet Sharon Cho, a two-time breast cancer survivor and head of the dessert table at The Rose's Annual Shrimp Boil. Sharon has been a part of the Shrimp Boil since 1998, baking countless delectable treats like her bestselling pineapple upside-down cakes to raise money for Rose patients. During this conversation, Sharon emphasizes the life-saving importance of getting regular mammograms and not delaying them. Her personal experience illustrates how early detection can make all the difference. Sharon knows exactly why all women need to prioritize their breast health. If you'd like to help uninsured patients access the breast care they need, and enjoy a sweet treat, purchase your ticket to Shrimp Boil today. Make sure to get to the dessert table early though, Sharon's famous cakes are the first to go every year! Get involved by purchasing tickets or tables. Donate auction items or become an event sponsor. With an 80s theme, this year's Shrimp Boil on June 22nd promises a totally awesome time for a great cause. Learn more at therose.org/shrimpboil. Key Questions Answered 1.) What is The Shrimp Boil and how does it raise funds for mammograms and support for uninsured women? 2.) How long has Sharon Cho has been involved with the Shrimp Boil? 3.) What kinds of desserts can attendees of The Shrimp Boil look forward to buying at this year's event? Chapters 00:00 Introduction: Sharon Cho and the Shrimp Boil 03:09 The Importance of Mammograms 05:04 The Shrimp Boil's Expensive Cake 10:25 Pineapple Upside-Down Cakes: A Bestseller 16:38 Advice: Don't Wait, Get MammogramsSee omnystudio.com/listener for privacy information.

Please support this podcast by pressing the follow button and support Chinmaya Mission Mumbai projects taken up by Swami Swatmananda, through generous donations. Contribution by Indians in INR can be made online using this link: https://bit.ly/gdswatmanDonors outside India who would like to offer any Gurudakshina/donation can send an email to enquiry@chinmayamissionmumbai.com with a cc to sswatmananda@gmail.com to get further details.These podcasts @ChinmayaShivam are also available on Spotify, Apple iTunes, Apple Podcasts, Podomatic, Amazon music and Google PodcastFB page: https://www.facebook.com/ChinmayaShivampageInsta: https://instagram.com/chinmayashivam?igshid=1twbki0v3vomtTwitter: https://twitter.com/chinmayashivamBlog: https://notesnmusings.blogspot.comLinkedIN: www.linkedin.com/in/swatmananda

Today is Bastille Day in France, marking the establishment of the French republic, as well as other moments in the country's history, such as the efforts of the French Resistance.So, what role did Irish people like Samuel Beckett have in helping them during WW2?Joining Seán to discuss is Oliver O'Hanlon, Researcher on Franco Irish Relations in the Department of French at UCC.

You can hit every goal you set in January and still be running on empty in the parts of your life the list never thought to measure. That's not a failure story. That's a design flaw in the instrument most of us reach for at the midpoint of the year.Jonathan Fields has spent 14 years exploring what it takes to build a life that genuinely feels like yours. In this solo episode, he gets personal about a stretch that looked, by every external measure, like one of the best runs he'd had in years. A major work transition, real momentum in business, and every morning from 7:30 to 9, writing the first draft of his first novel. A genuinely good season. And one that was quietly drawing down on something no scorecard ever caught.What you'll explore in this conversation:Why grading yourself against January goals in July is the least useful thing you can do at the midpoint of the year, and what to reach for insteadThe three Good Life Buckets framework (Vitality, Connection, Contribution) as a practical audit tool, not an abstract ideaTwo ways a bucket drains that most driven, successful people never see coming: the leak and the missing refillWhy the most dangerous bucket is often not the one that aches, but the one filling and draining at the same timeThree reckoning questions that surface something more honest than any goal list you've ever writtenWhy so many of us would rather stay tired and certain than rested and unsure, and what it actually costs usThis is Part 1 of a two-part series. Part 2 arrives in a few days with the specific actions to take for your mid-year wake-up call.Episode TranscriptIf you LOVED this episode, you can find the 1-page worksheet HERE.Next week, we're coming back for Part 2 of this series with Jonathan to talk about what to actually do once you've named the bucket, and why you don't need a plan for the second half of your year. You need a move. One small, real, repeatable move. And we're going to figure it out together in real time before that episode is over. Be sure to follow Good Life Project wherever you get your podcasts so you don't miss it.Check out our offerings & partners: Join My New Writing Project: Awake at the WheelVisit Our Sponsor Page For Great Resources & Discount Codes Hosted on Acast. See acast.com/privacy for more information.

Everyone's talking about the free $1,000 the government just dropped into Trump Accounts. Almost nobody's talking about the fine print — or the backdoor Roth IRA strategy hiding inside it. In this episode, David breaks down Trump Accounts, 529 plans, UGMA/UTMA custodial accounts, and custodial Roth IRAs side by side: what each one actually does, where the real catches are, and the one advanced move that could turn a modest Trump Account into a six-figure Roth IRA by your kid's mid-20s.The Numbers You Need to Know$1,000 — one-time federal seed deposit for eligible kids born 2025–2028$5,000/year — combined annual contribution cap for a Trump Account (individuals + employer)$2,500/year — max employer contribution, counted within the $5,000 cap0.10% — expense ratio cap on Trump Account investmentsAge 18 — when a Trump Account unlocks and converts to a traditional IRA$7,500 — 2026 contribution limit for a custodial Roth IRA (requires earned income)10% — early withdrawal penalty on taxable IRA distributions before age 59½Episode Timestamps0:00 — Cold open: the free money everyone's talking about2:30 — What a Trump Account actually is8:00 — The 529 comparison12:30 — UGMA/UTMA: the no-restrictions account (and its biggest risk)17:00 — Custodial Roth IRA for kids with earned income23:00 — The backdoor Roth conversion strategy hiding inside a Trump Account27:30 — So which account do you actually use?31:00 — Wrap-up and next stepsWhat Is a Trump Account?A Trump Account (formally a Section 530A account) is a new type of custodial-style traditional IRA for children, available starting July 4, 2026. Any U.S. citizen child under 18 with a valid Social Security number can have one opened on their behalf — and children born between January 1, 2025 and December 31, 2028 qualify for a one-time $1,000 federal seed deposit.After that seed money, parents, grandparents, and other individuals can contribute up to $5,000 combined per year, with no earned-income requirement. Employers can add up to $2,500 of that total, tax-free to the employee. During the account's "growth period" — birth until January 1 of the year the child turns 18 — the money is locked, invested only in low-cost U.S. stock index funds, and cannot be withdrawn for any reason."The Trump Account is not a replacement for a 529. It's not a replacement for a custodial account. And for some of you, it might not even be the best of the four options we're about to walk through."Trump Account Quick FactsNo earned income required to contribute$1,000 government seed for eligible children (does not count toward the $5,000 annual cap)Locked until January 1 of the year the child turns 18Converts to a standard traditional IRA at that point — ordinary income tax + 10% penalty on early withdrawals apply thereafter, with limited exceptionsTrump Account vs. 529 PlanA 529 plan is purpose-built for education. Many states offer a tax deduction for contributions, and—unlike a Trump Account—qualified education withdrawals come out completely tax-free, not just tax-deferred. Contribution ceilings are also far higher than the Trump Account's $5,000 annual cap.The tradeoff: flexibility. If the money isn't used for qualified education expenses, you're facing taxes and penalties to access it for anything else. (Some limited 529-to-Roth rollover options now exist, but they come with their own caps and rules.)Bottom line: Trump Account = flexible use, locked for 18 years. 529 = bigger tax break, locked into education as the purpose.Trump Account vs. UGMA/UTMAUGMA and UTMA custodial accounts offer something neither of the accounts above can: zero restrictions on how the money gets used. Braces, a car, a business — anything.But that flexibility comes with two real costs. First, it's a fully taxable account — no tax-deferred growth, and the "kiddie tax" may apply, sometimes taxing gains at the parents' rate rather than the child's. Second, and more importantly: the money legally belongs to the child from day one. At 18 or 21 (state-dependent), every dollar becomes theirs, with no conditions and no say from the adults who funded it."I've had conversations with clients who funded one of these accounts for a decade and then watched their 18-year-old empty it out for something the parents very much did not sign up for."Trump Account vs. Custodial Roth IRAFor a child with real, documentable earned income — a W-2 job, self-employment, or legitimate pay through a family business — a custodial Roth IRA quietly beats all three other accounts on pure math. Contributions grow completely tax-free, not just tax-deferred, and the contribution ceiling ($7,500 in 2026) is higher than the Trump Account's $5,000 cap.The catch: it only works if the earned-income requirement is met, and the documentation needs to be handled correctly — especially if the income comes through a family business — or it can create a bigger problem with the IRS than it solves.The Backdoor Roth Strategy Hiding Inside a Trump AccountHere's the piece almost nobody talks about: once a Trump Account converts to a traditional IRA at 18, it becomes eligible for a standard Roth IRA conversion — meaning some or all of that balance can be moved into a Roth IRA by paying ordinary income tax on the converted amount today, in exchange for tax-free growth and tax-free withdrawals for life.Because Trump Accounts never required earned income to fund in the first place, this creates something that wasn't possible before: a path to real Roth IRA money for a child who never worked a single job."You could have a kid who never worked a single job, walk into age 18 with real money in that account, and convert it into a Roth IRA — something that was never possible before without earned income. That's the backdoor."The timing matters enormously. Converting during a low-income year — often the late teens through mid-20s — means paying tax on the conversion at a much lower bracket than the money would likely be taxed at later in life. Some financial planners have modeled modest Trump Account balances compounding into six figures in a Roth IRA by a young adult's mid-20s, and well over $1 million by retirement.Landmines to Know Before ConvertingKiddie tax risk: converting while the child is still a full-time student or dependent can trigger taxation at the parents' rate, undercutting the strategyBasis tracking: government seed money, employer contributions, and charitable deposits are fully pre-tax and taxable on conversion; money contributed by parents or grandparents was already after-tax and shouldn't be taxed againThe five-year rule: each conversion starts its own five-year clock before it can be withdrawn tax- and penalty-freeEvolving guidance: the IRS has not finished writing all the rules around this strategySo Which Account Should You Actually Use?The honest answer: it's not "pick one." These accounts serve different goals, and stacking them intentionally — rather than by accident — is where real planning happens.529: earmarked money for a specific outcome — educationUGMA/UTMA: flexible, no-restriction savings, with real loss-of-control riskTrump Account: long-horizon retirement head start, with free seed money and a potential backdoor Roth playCustodial Roth IRA: the strongest long-term math, once a child has earned incomeNone of these are wrong on their own. But four accounts with four different rule books, contribution sources, tax treatments, and control timelines is exactly how families end up with a pile of savings and no actual strategy behind it.Ready to Map It Out?If you've got a Trump Account, a 529, an old UTMA, and a kid with a summer job all in the mix — and you're not sure they're actually working together — that's exactly what a Vision Call is for. We'll map out every account you've got for your kids or grandkids and make sure they're pulling in the same direction, including whether a Roth conversion strategy makes sense for your family.Schedule your free Vision Call →Know a parent or grandparent who just opened a Trump Account without thinking through the other three options? Send them this episode — it might save them from a decision that's hard to undo.Topics covered: Trump Accounts, Section 530A accounts, 529 plans, UGMA accounts, UTMA accounts, custodial Roth IRA, Roth IRA conversion, kiddie tax, IRA contribution limits, saving for kids, tax-free growth, financial planning for children, retirement accounts for minors, backdoor Roth strategy

Ray White speaks to Ali Siddiqi, Chief Financial Officer at ADNOC Distribution, about the company's definitive agreement to acquire Shell Downstream South Africa in a deal valued at approximately $1 billion (R16 billion). The acquisition includes Shell's network of 580 fuel stations, as well as its wholesale fuel, aviation and lubricants businesses, and forms part of ADNOC Distribution's strategy to expand its footprint across Africa. In other interviews, Zareena Camroodien, Divisional Executive of Retirement Funds Supervision at the FSCA, talks about the FSCA’s latest list of more than 6,000 employers behind on retirement fund contributions, the growing R8.33 billion arrears burden affecting over half a million fund members, and what tougher enforcement could mean for defaulting employers. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

I discuss the possibilities of America relinquishing its global ambition to reduce its footprint to a regional hegemon in the Western hemisphere. The new technologies of AI, UAVs and hypersonics rather easily challenge the spending paradigms and mission architecture of the American armed forces. There are no near-peer competitors, every nation on Earth is now a peer to modern western war machines. America boasts a magnificent 20th century war machine is not fit for purpose for 21st century peer warfare. The crossroads is chock-full of landmines. References: Christian Brose The Kill Chain: Defending America in the Future of High-Tech Warfare Qiao Liang & Wang Xiangsui Unrestricted Warfare: China’s Master Plan to Destroy America Martin van Creveld The Transformation of War: The Most Radical Reinterpretation of Armed Conflict Since Clausewitz Fighting Power: German and U.S. Army Performance, 1939-1945 Colin Gray Strategy and History: Essays on Theory and Practice Fighting Talk: Forty Maxims on War, Peace, and Strategy William Lind Maneuver Warfare Handbook John Boyd Patterns of Conflict Michael Weiner Legacy of Ashes: History of the CIA John Prado The Ghosts of Langley: Into the CIA’s Heart of DarknessSun Tzu The Art of War Carl von Clausewitz On War Miyamoto Musashi A Book of Five Rings: The Classic Guide to Strategy H. John Poole The Last Hundred Yards: The NCO's Contribution to Warfare My Substack Email at cgpodcast@pm.me

Reporting from Claremont's Publius fellowship, where rising young conservatives receive instruction on America's founding principles from distinguished scholars, President Ryan P. Williams examines the politics of the Right's youth—and the necessity of the programming. The fellowships equip members to fend off radical progressivism, think about American history, and contribute to the future of the Right in 2028 and beyond. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit claremontinstitute.substack.com/subscribe

Elizabeth Blackwell was born in London in the early 18th century, and was known in her lifetime for her achievements as a botanical illustrator. Research: “A Genuine Copy of a Letter &c.” Stockholm, August 20. H. Carpenter in Fleet Street, 1747. https://books.google.com/books/about/A_Genuine_Copy_of_a_Letter_from_a_Mercha.html?id=EPRbAAAAQAAJ Alexander, Isabella and Cristina S. Martinez. “2. The First Copyright Case under the 1735 Engravings Act: 
The Germination of Visual Copyright?” From Circulation and Control: Artistic Culture and Intellectual Property in the Nineteenth Century. Marie-Stéphanie Delamaire and Will Slauter, editors. https://doi.org/10.11647/OBP.0247 Beharrel, Will. “Elizabeth Blackwell's Curious Herbal.” The Linnean Society. 7/28/2021. https://www.linnean.org/news/2021/07/28/elizabeth-blackwells-curious-herbal Blackwell, Elizabeth (1737). A Curious Herbal. Containing Five Hundred Cuts of the most useful Plants, which are now used in the Practice of Physick. Engraved on folio Copper Plates, after Drawings, taken from the Life. By Elizabeth Blackwell. To which is added a short Description of ye Plants; and their common Uses in Physick. London: Printed for Samuel Harding in St Martin’s Lane, MDCCXXXVII (1737) Rubenstein QK99.A1 B53 1737 folio v.1 c.1. Scan of preface. https://blogs.library.duke.edu/rubenstein/files/2022/10/blackwell-preface-scaled.jpg Bruce, James. “Lives of Eminent Men of Aberdeen.” Aberdeen. The University Press. 1841. https://archive.org/details/b33028722/ Chelsea Physic Garden. “Curious Herbal; Curious Tale.” Newsletter. Spring-Summer 2005. Child, Lydia Maria. “Biographies of Good Wives.” Boston: Munroe & Francis. 1850. https://archive.org/details/biographiesofgoo00chil_0 Elliott, Brent. “The World of the Renaissance Herbal.” Renaissance Studies. Vol. 25, No. 1. February 2011. Via JSTOR. https://www.jstor.org/stable/24420235 Evenden, Doreen A. "Blackwell [née Simpson], Elizabeth (1699–1758), botanical author and artist." Oxford Dictionary of National Biography. August 08, 2024. Oxford University Press. Date of access 18 Jun. 2026, https://www.oxforddnb.com/view/10.1093/ref:odnb/9780198614128.001.0001/odnb-9780198614128-e-2540 Grosjean, A. N. L. "Blackwell, Alexander (bap. 1709, d. 1747), agricultural improver and government agent in Sweden." Oxford Dictionary of National Biography. June 08, 2023. Oxford University Press. Date of access 18 Jun. 2026, https://www.oxforddnb.com/view/10.1093/ref:odnb/9780198614128.001.0001/odnb-9780198614128-e-2539 Huler, Scott. “A Beautiful Find.” Duke Mag. 9/5/2023. https://dukemag.duke.edu/stories/beautiful-find Madge, Bruce. “Elizabeth Blackwell—the forgotten herbalist?” Health Information & Libraries Journal, 18: 144-152. https://doi.org/10.1046/j.1471-1842.2001.00330.x Monroe, Nicky. “Elizabeth Blackwell’s Curious Herbal.” RHS Libraries and Collections. https://www.rhs.org.uk/education-learning/libraries-at-rhs/articles/elizabeth-blackwell Newman, Joyce. “Will The Real Elizabeth Blackwell Please Stand Up?” New York Botanical Garden. 7/1/2013. https://www.nybg.org/blogs/plant-talk/2013/07/exhibit-news/will-the-real-elizabeth-blackwell-please-stand-up/ O’Keeffe, Lynda. “Guest post by Lynda O’Keeffe – A Curious Herbal Elizabeth Blackwell’s Pioneering Masterpiece of Botanical Art.” All Things Georgan. 3/8/2024. https://georgianera.wordpress.com/2024/03/08/guest-post-by-lynda-okeeffe-a-curious-herbal-elizabeth-blackwells-pioneering-masterpiece-of-botanical-art/ Pardoe, Heather and Maureen Lazarus. “Images of Botany: Celebrating the Contribution of Women to the History of Botanical Illustration.” Collections: A Journal for Museum and Archives Professionals, Volume 14, Number 4, Fall 2018, pp. 545–566. RHS Digital Collections. “Elizabeth Blackwell's Curious Herbal.” https://collections.rhs.org.uk/collection/111276 Royal College of Physicians of Edinburgh. “Elizabeth Blackwell: Prison, Plotting and the Curious Herbal.” https://www.rcpe.ac.uk/heritage/heritage-blog/elizabeth-blackwell-prison-plotting-and-curious-herbal Shirk, Henrietta Nickels. “Contributions to Botany, the Female Science, by Two Eighteenth-century Women Technical Communicators.” Technical Communication Quarterly. Vol. 6, No. 3. Summer 1997. Tyson, Janet Stiles. “Introducing Elizabeth Blackwell to Hans Sloane.” British Library Untold Lives Blog. 5/18/2021. Via Archive.org. https://web.archive.org/web/20210619032948/https://blogs.bl.uk/untoldlives/2021/05/introducing-elizabeth-blackwell-to-hans-sloane.html Tyson, Janet Stiles. “The Rubenstein Library’s disruptive copy of A Curious Herbal.” 11/14/2022. https://blogs.library.duke.edu/rubenstein/2022/11/14/a-curious-herbal/ Tyson, Janet. “'A Curious Herbal' as Material Witness.” The Linnean Society. 1/10/2023. https://www.linnean.org/news/2023/01/10/a-curious-herbal-as-material-witness See omnystudio.com/listener for privacy information.

This week, Rayron Gracie, a Brazilian Jiu-Jitsu black belt and four-time world champion from the famous Gracie family, shares his life journey, discussing his influential family background, his love for writing, and the philosophy of living a life based on actions, not words. The conversation explores Rayron's experiences and insights gained from competing at a high level, the importance of selflessness, and his new initiative, Victory of Arts, which aims to help children find their true calling through different forms of art. They also discuss the profound impact of altruism, the value of gratitude in the face of adversity, and the lessons learned from martial arts and philosophy. Episode Highlights: 01:55 The Silent Retreat Experience 06:50 The Legacy of Gracie Jiu Jitsu 18:45 The Art of Teaching and Competing 44:39 Embracing the Muse 46:21 The Reality of Selfishness in Pursuing Greatness 47:22 Balancing Selfishness and Contribution 55:26 The Birth of Victory of Arts 01:06:05 The Importance of Altruism 01:21:24 Recommended Reads for Personal Growth 01:49:33 Building Resilience and Gratitude 02:11:54 The Power of Helping Others Rayron Gracie is a jiu-jitsu athlete and a member of the Gracie Family, arguably the most important family in the history of this martial art, belonging to the 4th generation of the clan’s production of outstanding combat sports competitors. Rayron was officially promoted to the black belt rank by his cousin, Kyra Gracie (June 2023), but also worked extensively with a number of the family’s legendary members such as Renzo, Rolles, Igor, Gregor, and Roger Gracie. Rayron Gracie first made waves in the sport while successfully competing on the International Brazilian Jiu-Jitsu Federation (IBJJF) circuit, particularly in the gi (kimono) ruleset. You can learn more about Rayron here: https://www.rayrongracie.com/ Learn more about the gift of Adversity and my mission to help my fellow humans create a better world by heading to www.marcusaureliusanderson.com. There you can take action by joining my ANV inner circle to get exclusive content and information. See omnystudio.com/listener for privacy information.

You said it would be the last warning. You meant it this time. And somehow you are standing in the hallway with your voice raised, wondering how you ended up here again. If consequences have quietly become your first move, and you are starting to suspect they are not actually working, this conversation is for you. What we cover in this episode Why a consequence is so often the first thing we reach for, and what that reach is usually really about What a quick consequence shuts down: the curiosity, the teaching, and your child's chance to learn what to do instead The difference between a punishment mindset and a loving limits mindset, and how each one handles power How the Faris and Ottinger homes actually deal with mistakes now, including the "consequence" the Faris's friends could not believe was real Small, doable first steps if you want to lean on consequences less, starting with one question you can ask yourself in the moment Resources mentioned Cultivate Connection (the on-demand parenting course where the Collaboration module lives): https://empoweredtoconnect.shop/products/cultivate-connection-on-demand Connecting Practices Handbook (ideas for giving voice, choices, and compromises): https://empoweredtoconnect.shop/products/connecting-practices-handbook-ebook Chapters (00:00:00) - Nick Ferris on Empowered to Connect(00:01:58) - Questions about Consequences in Parenting(00:09:48) - Jesse on Contribution to Consequences(00:15:16) - What Happened When You Changed the Way You Parent Your Kids(00:21:19) - Do Parents Need To Complain About Mistakes?(00:28:46) - What Kind of Consequences Should Parents Have for Their Kids?(00:34:42) - The Limits of Parental Communication(00:37:58) - What is a Punishment Mindset and a Loving Limit Mindset(00:39:36) - The Loving Limits vs Punishment Mindset(00:45:37) - When You Can't Get What You Want(00:46:47) - How to Talk to Your Child About Consequences(00:52:56) - What Do I Want My Children To Remember About Their Childhoods?(00:57:02) - How to Civillate Connection in Parenting(01:00:22) - Closing Thoughts On The Nick Podcast(01:01:38) - Reclaiming the Preciousness of Our Children

How Can Freedom, Faith, and the Fight Beyond A Holiday Shape Us?   Host Curtis Chang talks with sociologist Dr. Angel Adams Parham about the history of Juneteenth, from the 1865 emancipation announcement in Galveston, Texas, to its meaning for American freedom, racial justice, and collective memory. Together, they explore the spiritual resilience of the Black church, its influence on Christian theology and Dietrich Bonhoeffer, and why Juneteenth matters for all Americans. They also consider how Christians can celebrate Juneteenth with both joy and historical honesty.   02:05 - The Historical Story of Juneteenth 05:11 - What Were the Limitations of the Emancipation Proclamation? 09:28 - An American Pattern of Incomplete Freedom 13:34 - How Do We Preserve the Meaning of Juneteenth? 19:24 - The Pain of Historical Erasure & Cultural Setbacks 23:43 - Scripture as a Freedom Narrative Fostering Resilience 29:22 - The Universal Longing To Be Free 32:06 - The Black Church's Contribution to the Christian Story 35:54 - Embodied Practices for Juneteenth 39:09 - The Spiritual Promise of "Swing Low, Sweet Chariot"   Register for our America 250 episode recording with Russell Moore and David French Sign up for the Anxiety Opportunity Course Use the code: Goodfaith   Referenced in the Episode: Transcript of The Emancipation Proclamation Union General Gordon Granger's announcement: General Order No. 3 Claude Atcho's Reading Black Books  Frederick Douglass' "What to the Slave Is the Fourth of July?" (pdf) Transcription of an interview with ex-slave Felix Haywood Reggie L. Williams' Bonhoeffer's Black Jesus  Phillis Wheatley's letter to Rev. Samson Occom James Weldon Johnson's poem Lift Every Voice and Sing Manhattan Harmony Four's recording Lift Every Voice And Sing The Fisk University Quartet's Swing Low, Sweet Chariot   Scriptures Referenced: Exodus 12:31–15:21 (ESV) Isaiah 61 (ESV) Leviticus 25 (ESV) Luke 4:14–30 (ESV)   More From Dr. Angel Adams Parham: Dr. Parham's bio: the University of Virginia Dr. Parham's Website Dr. Parham's book The Black Intellectual Tradition: Reading Freedom in Classical Literature   Follow Us: Good Faith on Instagram Good Faith on X (formerly Twitter) Good Faith on Facebook   The Good Faith Podcast is a production of a 501(c)(3) nonpartisan organization that does not engage in any political campaign activity to support or oppose any candidate for public office. Any views and opinions expressed by any guests on this program are solely those of the individuals and do not necessarily reflect the views or positions of Good Faith.

In 1226 BCE, his sixty-seventh year of rule, the long life of Ramesses II finally ended. We explore his final decades, the difficult life revealed by his mummy, his ascent to status of "living god," and the aftermath of his reign. Music: Luke Chaos. Support the History of Egypt at www.patreon.com/egyptpodcast Select References: Balout, L., Roubet, C., & Desroches-Noblecourt, C. (1985). La momie de Ramsès: Contribution scientifique à l'Egyptologie. Brand, P. (2010). Reuse and Restoration. In W. Wendrich (Ed.), UCLA Encyclopedia of Egyptology online. Brand, P. J. (2023). Ramesses II: Egypt's Ultimate Pharaoh. Demarée, R. J. (2016). Announcement of the passing of Ramesses II. JEOL, 46, 121--125. Academia.edu. Gallet, L. (2013). Karnak: The Temple of Amun-Ra-Who-Hears-Prayers. In W. Wendrich (Ed.), UCLA Encyclopedia of Egyptology online. Hawass, Z. A., & Saleem, S. N. (2016). Scanning the Pharaohs: CT Imaging in the New Kingdom Royal Mummies. Hornung, E., Krauss, R., & Warburton, D. (Eds.). (2006). Ancient Egyptian Chronology. Shehab El-Din, T. (1997). The title, “mdw jAwj”: “the staff of old age” “ 'ukkāza aš-šayḫuḫa.” Discussions in Egyptology, 37, 59--64. Academia.edu. Learn more about your ad choices. Visit megaphone.fm/adchoices