POPULARITY
Categories
Let's talk about giving up your iPhone for days, Decluttering, Naked Doritos, the Mar-a-Lago Face and finding Enchantment!
Enjoy the episode? Send us a text!Is your behavior accidentally destroying your marriage? In this video, Kimberly Beam Holmes reveals one of the top predictors of divorce—second only to affairs—that most people don't even realize they are doing.Control is a silent relationship killer. You might think you are just trying to "help" your spouse, protect your family, or make sure things are done "the right way." But to your partner, it feels like intrusion, intimidation, and a lack of trust.At Marriage Helper, we see thousands of couples in crisis, and control is one of the hardest hurdles to overcome—but it IS possible. In this video, Kimberly breaks down the psychology behind why good people become controlling, the 5 distinct ways control manifests in a marriage, and gives you a 5-question self-assessment quiz to see if you are guilty of these behaviors.In this video, you will learn:The Root Causes: Why fear, low self-esteem, and poor emotional regulation lead to controlling behavior.The 5 Types of Control: Intrusion, Intimidation, Correction, Disempowerment, and Emotional Coercion.The Self-Assessment: 5 honest questions to ask yourself right now.The Solution: Practical steps to stop controlling your spouse and start saving your marriage.If you're struggling in your marriage, don't wait. Get our FREE resource: The 7 Steps to Rescue Your Marriage
TRADCAST EXPRESS - Episode 218 Topics covered: Leo XIV on how the Resurrection of Christ relates to integral ecology. Correction of an error in previous TRADCAST EXPRESS episode. Rev. James Martin, S.J., says he is 'fascinated' by blasphemous heresy that St. Joseph was Christ's biological father. Archdiocese of Hamburg, Germany, issues perverted sex education guidelines for its schools. Mexican Novus Ordo bishops claim Cristero martyrs died for 'conscience'. Links: Leo XIV, General Audience catechesis (Nov. 19, 2025) TRADCAST EXPRESS 217 (Nov. 6, 2025) Rev. James Martin, S.J., "Review: What was Jesus' childhood like?", America (Sep. 11, 2025) Jeromiah Taylor, "Hamburg Archdiocese Issues Educational Guidelines Respecting Sexuality and Gender Diversity", New Ways Ministry (Sep. 4, 2025) David Ramos, "'Christ is King, not the oppressive state': Mexico's bishops recall Cristero legacy", Catholic World Report (Nov. 15, 2025) Full Text of Mexican Novus Ordo Bishop's Message of Nov. 13, 2025 (Spanish) Pope Pius XI, Encyclical Quas Primas (Dec. 11, 1925) Sign up to be notified of new episode releases automatically at tradcast.org. Produced by NOVUSORDOWATCH.org Support us by making a tax-deductible contribution at NovusOrdoWatch.org/donate/
Grace for My Home | Christian Moms, Growing in Faith, Spirit-Led, Hearing from God, Sowing Truth
Grace for My Home's top 5 most popular episodes:Take Care of Yourself So You Can Take Care of Those You LoveHearing the Voice of GodThe Purpose of Marriage7 Pearls of Wisdom From the Parable of the 10 VirginsDiscipline, Correction and Punishment...Oh, My!Text Audrey a message! She would love to hear from you! Support the showGet your copy of my new devotional here: Seek First: 31 Quiet Moments With Jesus ☆ If you would like to give to Grace for My Home and financially support the podcast, you can do so here! -> GIVE HERE ☆ Subscribe to the Grace for My Home Weekly Newsletter SUBSCRIBE HERE ☆ Website: GraceForMyHome.com ☆ Facebook -> https://www.facebook.com/graceformyhome☆ Instagram -> https://www.instagram.com/graceformyhome ☆ Email Audrey at admin@graceformyhome.com.
Scott Wapner and the Investment Committee debate whether a bigger correction in the AI sector is coming as the selloff in tech continues. Plus, CNBC's Mackenzie Sigalos joins us to discuss the latest news on Bitcoin triggering a death cross, the desk discusses how to trade the crypto space. And later, Josh Brown spotlights Health Care in his "Best Stocks in the Market." Investment Committee Disclosures Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this powerful message titled “You Are Not Above Correction,” Pastor Sean Pinder teaches from Hebrews 12:6-11 to remind you that God's correction is not rejection—it's proof of His love. Just as a loving father disciplines his child, God shapes, molds, and guides you through seasons of discomfort so you can grow into the person He destined you to be. His correction is never meant to break you, but to build you, strengthen you, and draw you closer to His perfect will.No matter what you're facing today, God is working for your benefit. Pastor Sean encourages you to embrace God's discipline with humility and trust, knowing that it produces righteousness, maturity, and peace. This message will empower you to see correction not as a setback but as a divine setup for greater spiritual growth and breakthrough in your life.
We're heading out on a global tour to celebrate the incredible animation happening across countries and cultures through the mythos of Star Wars, with Visions: Volume 2. This week, we're traveling to the U.K to cover Episode 4: I Am Your Mother.
WEALTHSTEADING Podcast investing retirement money stock market & wealth
Episode 499 While the S&P 500 is only down a few percent, 65% of its constituents are in a correction, down at least 10%. Similarly, 44% are below their 200 day moving average. So if you're looking for a dip, look no further, there are plenty of bargains. Last week I took an overweight position in the Financial Sector buying KBE, KRE, KIE & Visa. All that and more in this episode. Sign up for free ALERTs & Market Commentary at: https://www.investablewealth.com/subscribe/ ------------------------------------------------------
God gently corrects his children to shape us into the people he wants us to become. Through our life experiences, God changes our hearts as we respond to his correction. Joseph's father, brothers, and Joseph himself needed to change; and God patiently confronted them to help them grow. Together, let's explore how we can respond faithfully to God's correction in our lives.Support the show
Buck Klintworth, senior vice president and portfolio manager at Chase Investment Counsel, says the market isn't looking like it will make dramatic moves before the end of the year, but he does expect a "small correction." Because he believes that the underpinnings for the economy are solid and forces like the artificial intelligence boom are backstopping the market, he expects that correction to be a buying opportunity for investors. Tani Fukui, senior director for global economic and market strategy for MetLife Investment Management, says she expects the Federal Reserve to follow through with rate cuts — even as the market seemed to waver in its confidence in cuts on Thursday — and that the move and the coming rate-cut cycle will help the U.S. economy avoid a recession. Josh Duitz, global head of income for Aberdeen — manager of the Aberdeen Total Dynamic Dividend Fund — talks about where he is finding success in generating elevated income at a time when rate cuts are making it harder for investors to earn easy yields. Duitz discusses international investing and whether the rally overseas can continue in the face of reduced currency impacts, where high-flyers like the Magnificent Seven stocks fit in with his portfolio (or don't), and which sectors he is finding most attractive right now. Beth Pinsker, financial planning columnist at MarketWatch, discusses her recent piece on what the release of new tax brackets for 2026 means for investors who are considering Roth IRA conversions. Pinsker notes that the bracket changes will change the math, especially for people who were on the fence about whether a conversion could be worthwhile.
Vendredi 14 novembre, la question d'une bulle IA a été abordée par Jean-Marc Daniel, éditorialiste BFM Business, Louis de Montalembert, gérant chez Sunny Asset Management, Mary-Sol Michel, directrice de la gestion sous mandat chez Swiss Life Banque Privée, et Emmanuel Lechypre, éditorialiste à BFM Business, reçus par Marc Fiorentino dans l'émission C'est Votre Argent sur BFM Business. Retrouvez l'émission le vendredi et réécoutez-la en podcast.
Today’s Bible Verse:“And have you completely forgotten this word of encouragement that addresses you as a father addresses his son? ‘My son, do not make light of the Lord’s discipline, and do not lose heart when he rebukes you.’” — Hebrews 12:5 God’s discipline isn’t punishment—it’s proof of His love. Hebrews reminds us that when God corrects or redirects us, He’s acting as a faithful Father, shaping our character and guiding us toward what leads to life. Instead of brushing off His correction or sinking into discouragement, we’re invited to see it as care. His discipline is purposeful, gentle, and always meant to strengthen us, not shame us. “Want to listen without ads? Become a BibleStudyTools.com PLUS Member today: https://www.biblestudytools.com/subscribe/ Meet Today’s Host: Reverend Jessica Van Roekel
Midweek Bible Study | Pastor Brad Nave
ABOUT THIS EPISODEYou ever notice how some leaders make everything feel like a Ciara video—energy high, rhythm right, everyone shining in their lane—and others make every day feel like a horror-movie sequel you didn't audition for?
Artificial intelligence is transforming every corner of theinvestment world — but what does that really mean for data, strategy, and decision-making? In this episode of The Alternative Investing Advantage, host Alex Perny welcomes Daniel Nikic, founder of Coras Research, to discuss how AI and machine learning are reshaping financial markets, venture capital, and risk analysis.From cleaning data sets to building machine learning models,Daniel shares his experience evaluating thousands of AI companies and explains what separates real innovation from hype. Tune in to learn how AI impacts investing, cybersecurity, and emerging industries, and what investors should prepare for as automation continues to evolve.00:00 Introduction to AI in Investment Strategies01:55 Daniel Nikic's Journey into AI and Data06:30 The Evolution of AI and Data Utilization16:45 AI's Role in Financial Markets20:28 AI Applications in Various Industries24:01 Integrating AI in Venture Capital Decision Making28:38 The Role of AI in Decision Making30:16 Human Interaction and AI Limitations34:01 Adoption and Correction in AI Implementation36:28 Investment Trends in AI40:03 Data Security and AI45:53 Ancillary Industries in the AI Boom51:25 Concerns and Opportunities in AI's FutureSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com.Learn more about our guest, Daniel Nikic: https://www.linkedin.com/in/daniel-nikic/?originalSubdomain=hrLearn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/The Alternative Investing Advantage is brought to you by Advanta IRA.Advanta IRA does not offer investment, tax, or legal advice nor do we endorse any products, investments, or companies that offer such advice and/or investments. This includes any investments promoted or discussed during the podcast as neither Advanta IRA nor its employees, have reviewed or vetted any investments, persons, or companies that may discuss their services during this podcast. All parties are strongly encouraged to perform their own due diligence and consult with the appropriate professional(s) before entering into any type of investment.#AIInvesting #MachineLearning #Fintech #AlternativeInvesting#DataDrivenDecisions #Cybersecurity #ArtificialIntelligence #AdvantaIRA#InvestmentStrategy #AIFuture
With November being disability awareness month in South Africa and 14 November being the annual day dedicated to recognising those living with diabetes, it seemed an appropriate time to publish this interview. In this special two-part episode, I unpack my journey with chronic kidney disease in conversation with Jeremy Opperman. In episode 138, we discuss my diagnosis with Type 1 diabetes when I was six years old and trace the impact of diabetes on my life, resulting in my blindness at the age of 21. We then turn to my subsequent discovery that I was experiencing chronic kidney disease and track the steps that led to my starting on dialysis in January 2025. In episode 139 we explore how I've adapted to dialysis as a blind woman, trying to offer insights into some of the medical realities. Finally, we discuss what the future holds as I start to discover more about a possible kidney transplant. *Note: this conversation was recorded a few months ago and much has changed since then. I now have a kidney donor and am working my way through the process of preparing for the transplant. Correction: , at one point I refer to the AV graft as an artificial vascular graft. The correct term is arteriovenous Graft, which connects an artery with a vein allowing access for the dialysis to take place. Image Description: A stylised graphic of a woman with a ponytail walking with a white cane, next to an icon of an eye with curved lines suggesting vision or awareness. Below the graphic is the text:A Different Way of Seeing with Lois Strachan I'd love to hear from you – contact me at Web: https://www.loisstrachan.com/ LinkedIn: www.linkedin.com/in/lstrachan Facebook: https://www.facebook.com/loisstrachanspeaker This episode edited by Craig Strachan using Hindenburg PRO – find out more on Hindenburg.com Credits and music by Charlie Dyasi.
Here is Pastor Frank Vargo's sermon on 11/9/25 titled, "Correction With Compassion" from 1 Timothy 5:1-8. Freedom Bible Church is a nondenominational church located at 5550 S. Sumter Blvd in North Port, Florida. The name “Freedom” comes from 2 Corinthians 3:17, "Now the Lord is the Spirit, and where the Spirit of the Lord is, there is freedom." Our desire is to be a God-centered church, not man-centeredFreedom Bible Church is a Bible based church located at 5550 S. Sumter Blvd in North Port, Florida. The name “Freedom” comes from 2 Corinthians 3:17, "Now the Lord is the Spirit, and where the Spirit of the Lord is, there is freedom." Our desire is to be a God-centered church, not man-centered.Website: https://freedombiblechurch.com/Facebook: https://www.facebook.com/freedombiblepcInstagram: https://www.instagram.com/freedombiblechurchOur church members come from North Port, Wellen Park, West Port, Port Charlotte, Punta Gorda, Venice, and Englewood.
From correction to intercession. 2 Thessalonians 3:16-18.
Nov 7, 2025 – Financial Sense welcomes Marc Chandler, chief strategist at Bannockburn Capital Markets, to discuss the outlook for the US dollar, why a gold revaluation to market prices makes sense, and his broader outlook for...
Theme: Restoration, Repentance, and Prophecy — God's Zeal for Zion and His Sovereign Plan Pastor Matthew continued the study in Zechariah chapters 8–9, emphasizing God's zealous love for Jerusalem, His plan to restore His people, and the prophetic revelation of Jesus' triumphal entry hundreds of years before it happened. The message blended historical restoration, end-time prophecy, and personal spiritual application about obedience, repentance, and loving truth. The Context of Zechariah's Message Zechariah ministered to the returning exiles who were rebuilding the temple and city after Babylonian captivity. His message: Repent and rebuild, learning from the failures of their fathers who disobeyed God. “The reason Jerusalem was run over and the walls were down was because their fathers decided not to obey God.” Pastor warned that disobedience in one generation damages the next, but also offered hope: “The Lord will restore everything the cankerworm has eaten… You can start over today because His mercies are new every morning.” God's Zealous Love and Protective Jealousy (Zechariah 8:1–3) God declares: “I am zealous for Zion with great zeal.” Pastor explained the difference between sinful jealousy (possessive, fearful) and God's holy jealousy (protective, loving). He illustrated this with a story of a discerning wife's protective instinct — likening God's jealousy to the kind that protects, not controls. Application: God's jealousy is a shield of love, not suspicion. He guards His people as a husband guards his bride. God's Promise of Restoration and Peace Zechariah's vision shows old men and women in the streets and children playing again — symbols of renewed peace. Pastor noted that this prophecy has a dual fulfillment: Immediate — Israel's physical return and rebuilding under Nehemiah and Zechariah. Future — The millennial kingdom, when Christ reigns and Jerusalem is finally at peace. “There's coming a day when Jerusalem will never be moved again. They'll suffer, but they're there to stay.” The Nations and Israel — God's Sovereign Control Pastor described how world events align with biblical prophecy: nations turning against Israel, yet unable to uproot her. He cautioned that the stage is being set for the end-times conflict when “all nations come against Jerusalem.” “They're not leaving. Russia's not pushing them out. Muslims aren't. America won't compromise them out. They belong to God.” He reminded the congregation that God owns every nation: “Israel belongs to God. So does Saudi Arabia, Iran, Russia, America, and China. The earth is the Lord's.” Key Point: The rise and fall of nations are under divine authority; human plans collapse, but God's purposes stand forever (Psalm 2). God's Call to Integrity and Truth (Zechariah 8:16–17) The Lord calls His people to: Speak truth to neighbors. Give just judgment. Avoid evil and deceit. Pastor explained that while we are no longer “under the law,” the Ten Commandments remain, summed up in Jesus' two greatest commandments: “Love the Lord your God… and love your neighbor as yourself.” He warned against loving lies and gossip, urging believers to love truth even when it hurts: “Love truth when it punches you in the face. It's your protector.” The Value of Correction and Loving Truth Pastor reminded that truth both encourages and rebukes: “One day truth pats you on the back, saying, ‘Keep going.' The next day it slaps you on the shoulder and says, ‘Stop being foolish.' We need both.” Truth guards against deception — echoing Paul's warning that in the last days, God will send strong delusion to those who reject truth (2 Thess. 2:11–12). Application: “Don't just love truth when it makes you feel good — love it when it corrects you. That's what keeps you safe.” Restoration of Joy and the Future Kingdom (Zechariah 8:19–23) God promised that Israel's fasts of mourning would become feasts of joy. People from many nations would say, “Let us go with you, for we have heard that God is with you.” Pastor noted this points to both: Israel's national revival, and The global acknowledgment of God's presence among His people. He reminded the church that God reveals Himself to all nations and that no one is beyond His reach, citing: “The grace of God that brings salvation has appeared to all men.” (Titus 2:11) God's Sovereignty in Judgment and Mercy (Zechariah 9) Pastor transitioned into Zechariah 9, noting it shifts from restoration to prophecy and divine judgment. The Lord declares He will judge the surrounding nations (Tyre, Sidon, Gaza, Ashkelon, Philistia), showing He alone controls history. “Be sensitive to the Holy Spirit. If He tells you to store up, do it. If not, don't worry — just obey Him.” Prophecy of the Messiah — The Triumphal Entry (Zechariah 9:9–10) One of Scripture's clearest messianic prophecies: “Behold, your King is coming to you… lowly and riding on a donkey.” Pastor showed how this prophecy was fulfilled exactly in Luke 19:28–40, 500 years later, when Jesus rode into Jerusalem on a colt. He explained Jesus' deity through this miracle: He knew where the donkey was before the disciples arrived. The unbroken colt didn't resist because its Creator was riding it. “You don't buck the one who made you.” Key Revelation: Even creation recognizes the Creator. When the Pharisees told Jesus to silence His followers, He replied, “If they keep quiet, the stones will cry out.” Closing Reflections — God's Ownership and Faithfulness Everything in creation belongs to God and returns to Him. All life flows from Him — human, animal, or natural — and He sustains it all. Pastor closed personally, thanking the congregation for prayers during his recovery from hip pain, testifying how God used the trial to draw him closer: “If you'll just talk to God and open your life to Him, He'll use it. He knows how to do things right.” He reflected on Jacob's limp and said, like the patriarch, “God weakened my strength in the way” to prepare him for the next phase of ministry. Core Message God's jealousy is protective — His love guards His people. Love truth, even when it hurts. Israel's restoration and Christ's reign are certain. God's Word is precise — prophecy always fulfills perfectly. Every trial, every delay, every pain can be used by God for transformation.
Nov 7, 2025 – AI and market concentration are reshaping Wall Street—and investors should beware. Financial Sense Newshour's Jim Puplava and Jim Welsh at Macro Tides dissect the recent pullback in major indexes, the outsized influence of...
When interest rates tripled in record time, every headline said the same thing… “Housing Crash Is Coming” “Affordability Is Dead” “Buyers Are Toast” But the crash never came. And Jason Hartman knows exactly why. Jason's been through every real estate cycle in the last 40+ years. And on this episode of Cashflow Connections, we go deep into the real reason housing prices stayed high, even as affordability tanked. Inside the episode, we cover: Why millions of would-be homebuyers never bought — and what that means for investors The real flaw in the Housing Affordability Index (most experts miss this) Why rents are about to surge (and how you can position for it) How the “crash bros” got it totally wrong — again Why the next 12–24 months could be a gold rush for multifamily operators If you're sitting on the sidelines waiting for a “big correction”... You'll want to hear Jason's take first. Take Control, Hunter Thompson Resources mentioned in the episode: Jason Hartman Website YouTube Podcast Interested in learning how to take your capital raising game to the next level? Meet us at Capital Raiser's Edge. Learn more here: https://raisingcapital.com/cre
This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comI've been writing so much about gold and silver lately, I need to cover something else.But my quick take: as seemed likely, gold and silver have gone into one of their corrective phases. This is likely to last several months, in the humble opinion of this writer. There'll be false dawns, which catch everyone out, and false deaths too, with the overall trend being sideways.In the event of a broader stock market correction - which is long overdue given the scale of this rally since the Tariff Tantrum™ in the spring - gold and, especially, silver will sell off along with everything else. That doesn't mean gold isn't a safe haven. It just means there is a lot of hot money in gold, which quickly gets liquidated in a sell-off.But, yes, this incredible rally we have seen in the S&P500 since the Tariff Tantrum™ is looking exhausted and seems to be rolling over.Bitcoin is taking a hit too - although not as big a hit as the broader crypto space - and bitcoin is what I want to look at today.Here is one crypto trader's desk, as pictured on Twitter during Tuesday's sell-off.That's what happens when you use too much leverage.What do they say about taking the emotion out of trading?Bitcoin - what gives?So many things have happened this year which have blown winds in bitcoin's favour* A newly elected US administration which very pro crypto* A deliberately weaker dollar and the debasement trade* The launch of the bitcoin ETFs in the US increasing access to much larger flows of capital* Strength in tech stocks generally* A risk-on appetite* The halving cycleAnd moreYet bitcoin feels like it hasn't quite delivered. A new high of ‘only' $125,000.The latest narrative doing the rounds is this idea that the launch of the bitcoin ETFs is like bitcoin's IPO. Just as when a big tech stock IPOs, a lot of early seed money takes the opportunity to exit, so are many early bitcoin investors - so-called OGs - now moving on. That would explain the many coins that have been moved from previously dormant wallets to exchanges over the last six months.Maybe.What can I say?You can either decide that bitcoin's time is done. It's game over. Move on.Or you can treat this like another of the numerous shake-outs that have taken bitcoin in the 16 years since its inception. The story was getting a bit tired. It needs a shake-out to ruffle a few feathers and purge.The moral of every previous correction can be summed up in 4 letters: HODL.It looks like we may have got a bit of a crypto winter to get through. If the winter reflects the previous summer, then this one shouldn't be too bad. But consolidation phases can be frustrating, so the secret is to be quite zen about the whole thing and keep your eye on the bigger picture.Bitcoin bear markets can be painful, but the beauty of them is that, unlike mining bear markets which can go on for a decade or more, they tend to be short lived.Treat bear markets as opportunities. They're a good time to build positions, build businesses and more. Go and watch some Michael Saylor videos and re-indoctrinate yourself.But on no account lose your position. Bull markets come along when you least expect them.Everything is looking a bit red at the moment - gold, silver, the S&P500, bitcoin. It might be the end of this cycle. but it's not the end of the world.I don't know when or where this bitcoin correction ends. My guess is around $90,000 but that's nothing more than a guess. Perhaps we revisit $75,000 - which is the level we hit during the Tariff Tantrum™ earlier this year.But it's just as possible that dip below $100k on Tuesday was a fake-out, and the bear market is already done.I thought this graphic was interesting.There is plenty more room for future buying as governments and corporations try to increase their positions.By the way I get that some readers like bitcoin and others don't. That's fine. Each to their own. However, if you are in the latter camp, you do not need to email me and tell me bitcoin is not real money/quantum computing is going to destroy it/it is an invention of the deep state/ it is a scam. Please also feel no need to regurgitate Peter Schiff tweets either. You do know he is paid to slag bitcoin off?Turning now to the clusterfook that is the UKBuying bitcoin ETFs in the UK - t he hows, whats and whysIt's semantics, but you can't actually buy ETFs in the UK you have to buy ETNs. I'm not even going to bother trying to explain it. It's regulatory bollocks and not worth wasting time or brain power over.October 8th, the date when the FCA decided UK citizens are allowed to buy bitcoin ETNs is now behind us, but the farce is not.I first found out about bitcoin in December 2010 when it was 22c. I was sent my first coins soon after. I wrote the first book on bitcoin from a recognised publisher in 2014. Yet this morning I just attempted to complete the FCA's form to get me approved to buy a bitcoin ETN - so that I understand the risks - and I failed it. The “correct” answer to their questions is actually the wrong answer. Absolute farce of an organisation and accountable to no one, so it will continue.In the US, meanwhile, JP Morgan is in the process of enabling bitcoin to be used as mortgage collateral.It's like being in Spain in 1492, the ship is setting sail to the New World and somebody from the FCA is standing on the gangplank with a clipboard stopping UK citizens from getting onboard.Amongst the plethora of moronic barriers which the FCA has laid down is that bitcoin carries the same risk as any other cryptocurrency - including the latest meme, scam or shitcoin. Bitcoin is not fartcoin, and categorising the two together reveals the scary depths of FCA ignorance.Meanwhile, from next year you won't be able to buy bitcoin ETNs in your ISA, you will have to get a special ISA. They are trying to kill us with bureaucracy, I'm convinced of it.Which broker and which ETN?In terms of enabling their customers to invest, the UK brokers have ranged from excellent - Interactive Investor, which went live on day 1, as boss Richard Wilson proudly tells me - to totally useless - Hargreaves Lansdown and AJ Bellend.Hargreaves Lansdown, apparently trying to give the FCA a run for its brainless money, even put out the following statement.“Bitcoin is not an asset class, and we do not think cryptocurrency has characteristics that mean it should be included in portfolios for growth or income and shouldn't be relied upon to help clients meet their financial goals … Unlike other alternative asset classes, it has no intrinsic value.”Talk about retarded.If you want to be able to invest in these things via your SIPP or ISA, move your account to Interactive Investor is my advice. Use this affiliate link and you get a year for free.I should stress buying bitcoin via a broker negates many of bitcoin's uses. Yes, you get the store-of-value benefits, but you can't send and receive it; you can't use it to make payments or donations; you don't have sovereignty - the fund manager does - and so there is considerable counter-party risk - the coins could be confiscated, the fund could go bust etc. You don't have anonymity either.Still it's better than no exposure at all.But which ETN should you go for? And what about the treasury companies? And, what indeed about Semler Scientific (SMLR)?
California. Meanwhile, the tariff case is about to come before the Supreme Court for oral argument. So it's timely indeed that Vik Amar joins us with expertise on both topics. In fact, Vik has submitted an amicus brief in the tariff case. The “brothers in law” take us deep into the gerrymandering world, the major questions doctrine, and we also pause to reflect on the career of former Vice President Cheney who passed away this week. Insights galore await. CLE credit is available for lawyers and judges at podcast.njsba.com.
Trevor Hall and The Daily Gold's Jordan Roy-Byrne discuss the current state of the gold market, insights from the New Orleans Investment Conference, and the implications of recent market corrections. They analyze the cyclical nature of gold prices, the performance of gold equities, and the overall sentiment in the market, emphasizing the importance of understanding overbought conditions and potential opportunities for investors.
Proverbs 13 invites us into a profound exploration of what it means to live wisely in every dimension of our lives. This chapter unfolds like a roadmap, guiding us through four essential territories: correction, desires and resources, God's Word, and relationships with legacy. We discover that wisdom isn't merely intellectual knowledge—it's Jesus Himself, personified and active in our daily choices. The journey begins with correction, reminding us that growth requires humility to receive rebuke and instruction. We're challenged to guard our mouths, recognizing that words flowing from our hearts shape our reality and either preserve or destroy our lives. The contrast between the diligent and the lazy, the truthful and the deceitful, becomes starkly clear. As we move through this chapter, we encounter the liberating truth that material wealth doesn't equal true richness—some of the poorest people possess the greatest treasures of joy, friendship, and purpose. We're confronted with the reality that pride generates all conflict, while humility opens the door to salvation itself. The fountain of life flows from God's Word, turning us away from death's snares and filling us with hope that sustains even in seasons of waiting. Perhaps most powerfully, we're reminded that wisdom builds legacy—not just financial inheritance, but character, faith, and godly example passed to our children and grandchildren. The companions we choose, the correction we embrace, and the pursuit of righteousness over wickedness determine whether we walk in satisfaction or perpetual emptiness.### Sermon Notes#### Introduction- The speaker acknowledges the joke about being long-winded and expresses gratitude for the church's support and involvement in missions.- Video presentation showcasing the impact of Vessel of Honor Ministries in Myanmar, Kenya, and the Bahamas, highlighting God's faithfulness and the church's annual $10,000 contribution.#### Main Sermon: Proverbs 13 - "The Way of the Wise"1. **Introduction to Proverbs 13** - Proverbs often appears disjointed, but it reveals a moral progression. - Wisdom is personified as Jesus throughout Proverbs.2. **Four Subsections of Proverbs 13** - **Wisdom Begins with Correction (Verses 1-6)** - A wise son listens to correction; a scoffer does not. - The mouth reflects the heart. - Words can preserve or destroy life. - The diligent thrive; the lazy fail. - Righteousness hates falsehood; the wicked seek lies. - **Wisdom Governs Desires and Resources (Verses 7-12)** - Material wealth does not equal true riches. - The rich may be ransomed; the poor are unnoticed. - True hope sustains the heart. - **Wisdom Delights in God's Word and Counsel (Verses 13-19)** - Despising God's Word leads to destruction. - God's Word is life-giving. - Humility is key to wisdom. - Desire fulfilled is sweet to the soul. - **Wisdom Builds Relationships and Legacy (Verses 20-25)** - Walking with the wise leads to wisdom. - Avoiding evil brings good. - A good man leaves an inheritance for descendants. - Discipline shows love to children.### Practical Applications1. **Seek Wisdom in Correction** - Be open to constructive criticism and correction. - Reflect on how you can be more receptive to wise counsel.2. **Evaluate Your Desires and Resources** - Consider where your desires are leading you. - Use your resources wisely for long-term benefits rather than temporary pleasures.3. **Engage Deeply with God's Word** - Make daily Bible reading a habit to understand God's wisdom. - Apply biblical principles to navigate life's challenges.4. **Build Meaningful Relationships and Legacy** - Surround yourself with wise individuals to grow in wisdom. - Think about the legacy you want to leave for future generations.### Discussion Questions1. **Wisdom and Correction:** - How do you typically respond to correction, and how can you improve your openness to it? - What are some practical steps you can take to guard your speech and reflect a heart of wisdom?2. **Desires and Resources:** - How can you align your desires with God's wisdom to ensure they lead to true fulfillment? - In what ways can you better manage your resources to avoid vanity and instead support others?3. **God's Word and Counsel:** - What challenges do you face in making time for God's Word daily, and how can you overcome them? - How has God's Word been a source of life and guidance in a specific situation you've faced?4. **Relationships and Legacy:** - Who are the wise individuals in your life, and how have they influenced you? - What steps can you take to ensure you are leaving a positive legacy for your descendants?These notes, applications, and questions can help individuals reflect on how they can apply the teachings of Proverbs 13 to their lives and encourage meaningful discussions in a group setting.
Leaders with Goldman Sachs (GS) and Morgan Stanley (MS) see a correction between 10% and 20% in the next one to two years, adding pressure to Tuesday morning's tech sell-off. Kevin Hincks makes the case that investors shouldn't fear due to the A.I. trade showing continuing strength. He also points to gold and Bitcoin's downside action adding to the case for volatility to take charge of markets yet again. As for the government shutdown, Kevin says the pressure's on for Congress to reach an agreement before the holiday season.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about
LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured Big firms like Goldman Sachs and Morgan Stanley are sounding alarms about a possible 10–20% market pullback over the next two years — and the financial media is losing its mind over it. But here's the truth: corrections happen. Always have, always will. This isn't panic-worthy news; it's just headlines trying to grab eyeballs. Instead of trying to game the system against high-frequency traders and dark-pool sharks, stick to the fundamentals: invest consistently, stay disciplined, and quit trying to beat Wall Street at its own rigged game. Be an investor, not a gambler.
"Rather, speaking truth in love, we are to grow up in every way into him who is the head, into Christ." Ephesians 4:15
Join us for a special Coffee Conversations, sponsored by Weatherproofing Technologies, Inc. (WTI), a division of Tremco, that highlights the ELEVATE Second Chance Program. Founded in 2019, WTI partners with Departments of Correction to deliver localized training, re-entry support and clear career paths into construction for people previously incarcerated. Participants gain access to competitive wages, benefits, safety gear, OSHA 10 certification and even free tuition opportunities. This conversation explores how second chance hiring restores confidence, supports re-entry into the workforce and helps the roofing industry address labor shortages while building a stronger, more inclusive future. Join us for this revolutionary conversation on October 30, 2025, at 7 a.m. PT / 10 a.m. ET. Learn more at RoofersCoffeeShop.com! https://www.rooferscoffeeshop.com/ Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up Sign up for the Week in Roofing! https://www.rooferscoffeeshop.com/sign-up Follow Us! https://www.facebook.com/rooferscoffeeshop/ https://www.linkedin.com/company/rooferscoffeeshop-com https://x.com/RoofCoffeeShop https://www.instagram.com/rooferscoffeeshop/ https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw https://www.pinterest.com/rcscom/ https://www.tiktok.com/@rooferscoffeeshop https://www.rooferscoffeeshop.com/rss #TremcoRoofing #WTI #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry
The eye is the lamp of the body. If your eyes are healthy, your whole body will be full of light. - Jesus (Matthew 6:22) Faith is the habit of seeing what God sees, but most of us suffer from vision deficiency. In the final chapters of the book of Hebrews, the author urges believers to fix our eyes on Jesus. By seeing Jesus for who he really is - the image of perfection and the pioneer of our faith - we will be able to see ourselves for who we are: imperfect sinners saved by grace through faith. Join us at The Story, Sundays in November, as we fix our eyes to see God's vision for our lives!
Are today's investors psychologically conditioned to buy every market dip—no matter the risk? Lance Roberts explores the “Investor Dilemma” through the lens of Pavlov's classical conditioning, revealing how years of Fed interventions, liquidity injections, and momentum rallies have trained investors to respond to volatility like Pavlov's dogs to a bell...and three Gold Myths you don't want to mith...er, miss. 0:20 - 1st Trading Day of November (w No Gov't Data) 4:06 - Markets' Long Stretch of Gains - Pullback Coming? 8:50 - Markets' Buy the Rumor - Sell the News to Fed Action 11:53 - Two Myths About the Federal Reserve 15:31 - Why the Fed Likely Ended QT 19:29 - The Investors' Dilemma 22:33 - The Definition of Moral Hazard 24:52 - The Change in Liquidity Index 27:36 - If there's No Risk, Why NOT Overpay for Stocks? 32:30 - Fundamentals Still Matter 35:37 - 10% Correction from Current Levels is a Possibility 38:00 - The Buying Part is Easy... 39:46 - The Three Myths About Gold 39:46 - The Three Myths About Gold
"From Correction to Compassion" | Heart For Harvest Week 1 by Faith Promise Church
Are today's investors psychologically conditioned to buy every market dip—no matter the risk? Lance Roberts explores the "Investor Dilemma" through the lens of Pavlov's classical conditioning, revealing how years of Fed interventions, liquidity injections, and momentum rallies have trained investors to respond to volatility like Pavlov's dogs to a bell...and three Gold Myths you don't want to mith...er, miss. 0:20 - 1st Trading Day of November (w No Gov't Data) 4:06 - Markets' Long Stretch of Gains - Pullback Coming? 8:50 - Markets' Buy the Rumor - Sell the News to Fed Action 11:53 - Two Myths About the Federal Reserve 15:31 - Why the Fed Likely Ended QT 19:29 - The Investors' Dilemma 22:33 - The Definition of Moral Hazard 24:52 - The Change in Liquidity Index 27:36 - If there's No Risk, Why NOT Overpay for Stocks? 32:30 - Fundamentals Still Matter 35:37 - 10% Correction from Current Levels is a Possibility 38:00 - The Buying Part is Easy... 39:46 - The Three Myths About Gold 39:46 - The Three Myths About Gold
This "Meet the Guru" episode introduces Alex Naber, a seasoned medical device consultant at Greenlight Guru, offering listeners a deep dive into his background and expertise. Alex shares his journey, beginning in bioengineering and progressing through roles in complaints, field action, design quality, and post-market quality management at a major orthopedic company (Zimmer Biomet). His experience highlights the crucial need for expert guidance in navigating complex MedTech regulations and quality management system (QMS) pathways.Alex and host Etienne Nichols discuss the immense value of having a diverse internal team of consultants to draw from—a collective knowledge base that helps solve complex problems for clients. They emphasize that quality professionals don't need to know "everything" but rather must have the right resources and a "beginner's mindset" to guide companies effectively. The conversation also explores how modern software, like Greenlight Guru's QMS and EDC solutions, eliminates common industry pain points, such as fragmented, error-prone spreadsheet-based design controls by building true, linked traceability directly into the eQMS.Finally, the discussion touches on the philosophical "why" of the medical device industry: the patient. Alex shares a personal story about how orthopedics improved his grandfather's quality of life, underscoring the importance of maintaining a patient-first ethos. They conclude by discussing the upcoming QMSR transition, reassuring listeners that compliance is manageable, especially for those already adhering to ISO 13485.Key Timestamps[01:50] Alex Naber's MedTech Career Path: From Bioengineering to Design Quality and Post-Market Management.[04:30] The Power of Pooled Expertise: Why Greenlight Guru's Consultant Team is a "Sherpa up the mountain."[07:35] The Problem with Spreadsheets: Comparing traditional Design Control methods to modern eQMS traceability.[11:00] Accelerating Compliance: How Greenlight Guru's QMS Templates dramatically cut implementation time.[13:30] The Bloated QMS: Why adopting procedures from large corporations may hinder small-to-midsize companies.[16:00] Design Quality Explained: Marrying R&D/Product Development with QMS compliance.[21:30] The MedTech Ethos: Focusing on the patient and improving quality of life.[27:00] CAPA Management Insights: The critical distinction between Correction and Corrective Action.[30:25] Navigating the QMSR Transition: Reassurance that compliance isn't "that deep" if you are already ISO 13485 compliant.Quotes"It's a rewarding thing to just understand that you don't need to know everything. I think that's a thing that... people should realize and they should reach out to other people that are smarter or more experienced in realms that they don't understand." - Alex Naber"I think what got me into MedTech was more of the ethos behind it... We're creating products to make patients' lives better, to impact our world, our society in a positive manner, to give a better quality of life to individuals." - Alex NaberTakeawaysSeek a Unified Quality Solution: Fragmented quality processes (e.g., design controls in spreadsheets separate from the QMS) introduce significant regulatory risk. Adopting an eQMS, like the Greenlight Guru QMS solution, creates true traceability and dramatically streamlines compliance.Design Quality as a Partner, Not Police: Design Quality Engineers should actively partner with R&D, not...
The Grow From Your Heart Podcast - Hosted by Rasta Jeff of Irie Genetics
This is an update to my auto water episode.
My guest in this episode is Dave Stech. Dave heads up Stech Family Office with his two sons. Their family firm, Purpose Built Investments™ (PBI), is a real estate market timing company that invests exclusively in 3 things: real estate, private lending, and early-stage technology companies, including in their self-directed IRAs.Dave graduated from the London School of Economics and speaks at Harvard University and other conferences where he shares his annual State of the Union for Real Estate Investors and Private Lenders: What's Coming Next? In 2005, Dave spoke at Harvard and predicted the housing market collapse, then sat on the sideline until 2009 when he re-entered and enjoyed the record-breaking run we've been on until 2020. In 2019, Dave predicted a recession in 2020.In this episode, Dave shares why it's the calm before the storm and what every real estate investor should know now.Interview Links:Webinar Access www.accessinsiders.com/mclSubscribe To Our Weekly Newsletter:The Wealth Dojo: https://subscribe.wealthdojo.ai/Download all the Niches Trilogy Books:The 21 Best Cashflow NichesDigital: https://www.cashflowninjaprograms.com/the-21-best-cashflow-niches-bookAudio: https://podcasters.spotify.com/pod/show/21-best-cashflow-nichesThe 21 Most Unique Cashflow NichesDigital: https://www.cashflowninjaprograms.com/the-21-most-unique-cashflow-nichesAudio: https://podcasters.spotify.com/pod/show/21-most-unique-nichesThe 21 Best Cash Growth NichesDigital: https://www.cashflowninjaprograms.com/the-21-best-cash-growth-nichesAudio: https://podcasters.spotify.com/pod/show/21-cash-growth-nichesThe 21 Next Level Cashflow NichesDigital: https://www.cashflowninjaprograms.com/the-21-next-level-cashflow-niches-book-free-downloadAudio: https://podcasters.spotify.com/pod/show/the-21-next-level-nichesListen To Cashflow Ninja Podcasts:Cashflow Ninjahttps://podcasters.spotify.com/pod/show/cashflowninjaCashflow Investing Secretshttps://podcasters.spotify.com/pod/show/cashflowinvestingsecretsCashflow Ninja Bankinghttps://podcasters.spotify.com/pod/show/cashflow-ninja-bankingConnect With Us:Website: http://cashflowninja.comPodcast: http://cashflowinvestingsecrets.comPodcast: http://cashflowninjabanking.comSubstack: https://mclaubscher.substack.com/Amazon Audible: https://a.co/d/1xfM1VxAmazon Audible: https://a.co/d/aGzudX0Facebook: https://www.facebook.com/cashflowninja/Twitter: https://twitter.com/mclaubscherInstagram: https://www.instagram.com/thecashflowninja/TikTok: https://www.tiktok.com/@cashflowninjaLinkedin: https://www.linkedin.com/in/mclaubscher/Gab: https://gab.com/cashflowninjaYoutube: http://www.youtube.com/c/CashflowninjaRumble: https://rumble.com/c/c-329875
This is the final episode in the series Truth in Love: The Courage to Correct and Be Corrected.Over the past five weeks, we've looked at what it means to offer correction in a way that reflects the heart of God—truthful, loving, and wise. But today we're flipping the perspective. What does it look like to receive correction without spiraling into shame, defensiveness, or fear?In this episode, Jill unpacks what Scripture says about feedback, why our bodies and minds react the way they do, and how to stay calm and grounded when correction comes. You'll discover a simple four-part framework to process feedback with grace, curiosity, and resilience.Correction doesn't have to crush you—it can shape you. Tune in to learn how to welcome feedback as an invitation to grow in wisdom, maturity, and deeper trust in Christ.Want to learn how to process emotions with God instead of pushing them down?Join me for my live workshop, From Stuck to Surrendered: Recovering the Lost Art of Feeling—a two-hour experience to help you move from emotional paralysis to peace.
David Morgan of The Morgan Report, discusses the recent market turmoil in gold and silver and tells us why he views the recent pullback as a healthy correction in a strong bull market, noting that silver has shown particular resilience. Don't forget to also follow us on social media for more important precious metals updates! https://www.youtube.com/@Moneymetals | https://www.facebook.com/MoneyMetals | https://instagram.com/moneymetals/ | https://twitter.com/moneymetals | https://www.pinterest.com/moneymetals/
What Fresh Hell: Laughing in the Face of Motherhood | Parenting Tips From Funny Moms
Amy and Margaret discuss why kids become intensely obsessed with the things they love—whether it's dinosaurs, Pokémon, sharks, or Spider-Man—and how those fascinations manifest throughout their childhoods. They explore the developmental benefits of "intense interests," from mastery and comfort to confidence and identity. They break down when an obsession is typical and when it may need gentle guidance. Finally, they discuss how to connect with kids through their intense interests—and then use them as bridges to broaden kids' horizons. Correction! Comedian Sasha Baron-Cohen and psychologist Simon Baron-Cohen are neither siblings (as Amy claims in the episode nor uncle/nephew (as Margaret believed); they are first cousins. Here are links to some of the resources mentioned in the episode: Winnicott, D. W. for The International Journal of Psychoanalysis: Transitional objects and transitional phenomena; a study of the first not-me possession Dr. Judy De Loache et al for Developmental Psychology: Planes, Trains, Automobiles—and Tea Sets: Extremely Intense Interests in Very Young Children Lisa Joseph et al for Autism Research: Repetitive behavior and restricted interests in young children with autism: comparisons with controls and stability over 2 years. Our episode "Dinosaurs and Trains and Superheroes and Nerf Guns: Boy Obsessions" We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on our website: https://www.whatfreshhellpodcast.com/p/promo-codes/ Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/FRESH Ready to raise money-smart kids? Start now with your first month FREE at acornsearly.com/FRESH! Head to GigSalad.com and book some awesome talent for your next party, and let them know that What Fresh Hell sent you. intense interests in children, transitional objects, child psychology, special interests autism, supporting kids interests, mom friends, funny moms, parenting advice, parenting experts, parenting tips, mothers, families, parenting skills, parenting strategies, child development, family activities, family fun, parent child relationship, Learn more about your ad choices. Visit podcastchoices.com/adchoices
Peter Schiff examines gold and silver market volatility, critiques the Fed's misguided policies, and discusses the implications of Trump's influence on the economy.This episode is sponsored by Policygenius. Head to https://policygenius.com/gold to compare free life insurance quotes from top companies and see how much you could save.In this episode of The Peter Schiff Show, Peter Schiff delves into the ongoing volatility in the gold and silver markets, analyzing recent corrections and investor sentiment. He discusses the implications of economic indicators and Federal Reserve actions, as well as the contrasting dynamics between Bitcoin and gold. Schiff critiques media portrayals of market trends, emphasizing the persistent skepticism surrounding gold investments. With insights on Newmont's earnings and a critical examination of government spending, Schiff articulates his perspective on the future of precious metals and the broader economic landscape. Listeners can expect a thought-provoking analysis that challenges mainstream narratives and reinforces Schiff's established views on financial prudence and market realities.Chapters:00:00 Introduction and Opening Remarks00:55 Gold and Silver Market Volatility03:40 Gold's Correction and Market Reactions07:47 Investor Sentiment and Media Coverage13:53 Economic Indicators and Federal Reserve Actions20:54 Newmont's Earnings and Market Skepticism27:38 Bitcoin vs. Gold: Market Dynamics29:45 Trump's Ballroom and Crypto Industry Influence34:20 Trump's Ego and the National Debt35:39 Government Shutdowns and Trump's Legacy37:41 Trade Negotiations and Reagan's Legacy41:34 Government Investments and Market Interference48:15 Crypto Collateral and Market Risks55:57 YouTube Shadow Banning and Subscriber Growth01:03:55 Gold and Silver Investment OpportunitiesFollow @peterschiffX: https://twitter.com/peterschiffInstagram: https://instagram.com/peterschiffTikTok: https://tiktok.com/@peterschiffofficialFacebook: https://facebook.com/peterschiffSign up for Peter's most valuable insights at https://schiffsovereign.comSchiff Gold News: https://www.schiffgold.com/newsFree Reports & Market Updates: https://www.europac.comBook Store: https://schiffradio.com/books#goldmarket #cryptocurrency #investingstrategiesOur Sponsors:* Check out Aeropress and use my code GOLD for a great deal: https://aeropress.com* Check out Boll & Branch: https://boilandbranch.com/SCHIFF* Check out Boll & Branch: https://boilandbranch.com/SCHIFF* Check out Infinite Epigenetics: https://infiniteepigenetics.com/GOLD* Check out Justin Wine and use my code SCHIFF20 for a great deal: https://www.justinwine.comPrivacy & Opt-Out: https://redcircle.com/privacy
Fr. Mike focuses on the theme of disciplining children, reflected in our readings from Sirach and Proverbs today. He clarifies that there is a crucial difference between discipline and destruction, and emphasizes that disciplining children should always be grounded in love and oriented towards their success in the future. Today's readings 1 Maccabees 12, Sirach 30-31, and Proverbs 23:13-16. For the complete reading plan, visit ascensionpress.com/bibleinayear. Please note: The Bible contains adult themes that may not be suitable for children - parental discretion is advised.