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A bitter end to a fun season for my beloved 49ers at the hands of the Seattle Seahawks. One of our most bitter rivals steamrolled the 49ers 41-6 en route the NFC Championship game. Denver eliminates Buffalo after Josh Allen committed 5 turnovers. Costly win for Denver as they lose Bo Nix for the season with a broken ankle. CJ Stroud throws the Texans out of the playoffs and the Rams had just enough to escape cold and snowy Chicago with a win on Sunday Night. s
The Rebel News podcasts features free audio-only versions of select RebelNews+ content and other Rebel News long-form videos, livestreams, and interviews. Monday to Friday enjoy the audio version of Ezra Levant's daily TV-style show, The Ezra Levant Show, where Ezra gives you his contrarian and conservative take on free speech, politics, and foreign policy through in-depth commentary and interviews. Wednesday evenings you can listen to the audio version of The Gunn Show with Sheila Gunn Reid the Chief Reporter of Rebel News. Sheila brings a western sensibility to Canadian news. With one foot in the oil patch and one foot in agriculture, Sheila challenges mainstream media narratives and stands up for Albertans. If you want to watch the video versions of these podcasts, make sure to begin your free RebelNewsPlus trial by subscribing at http://www.RebelNewsPlus.com
Don't forget to grab your free scripture journal at PrayingChristianWomen.com/journal today! What if the "ransom" for your soul is a price so high that no amount of wealth could ever cover it? What if the security you crave can't be found in your bank account, but in a transaction only God could make? In this devotional on Psalm 49, we explore a biblical "riddle" that perfectly foreshadows the redeeming work of Christ. We move beyond the text to discuss the "legal" nature of the spiritual realm and the folly of trusting in riches. Jaime also shares a candid personal reflection on the hidden defenses we often use to avoid facing our true selves. Join host Jaime Hampton on the Praying Christian Women podcast for a session of deep encouragement and honest confession. If you’ve felt stuck in patterns of avoidance or envious of worldly success, this episode offers a fresh perspective on where your true worth lies. Come ready to drop your defenses and accept the freedom of a redeemed life. Discover More: Explore additional episodes of Praying Christian Women, Mindful Christian Prayers, and other Christian podcasts at Lifeaudio.com Check out our new podcast, Christian True-Crime Junkies!, on Apple, Spotify, or anywhere you listen to podcasts! Connect with Us: Stay updated and engage with our community: On Substack @PrayingChristianWomen On Facebook @PrayingChristianWomen On Instagram @PrayingChristianWomen On YouTube: @PrayingChristianWomen Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.
Remodeling your home should make life easier—but for many homeowners, the overwhelm starts long before construction begins. Between endless choices, unclear priorities, Pinterest overload, and fear of costly mistakes, decision fatigue can take over before a single wall comes down. In this episode, I'm joined by Jen Orr, founder of Studio Red Interior Design and host of the podcast Preparing for Your Home Remodel. Jen specializes in helping homeowners slow down, plan intentionally, and design homes that truly support real life—especially in busy, family-heavy households. We talk about why starting with **function—not finishes—**is the key to a smoother, smarter renovation and how having the right systems in place can save time, money, and stress.
PREVIEW FOR LATER TODAY Guest: Joseph Sternberg. Sternberg discusses the conflict between the White Houseand Federal Reserve Chairman Jerome Powell. While the President correctly argues that high interest rates make federal debt service costly, Sternberg contends that Powell previously compromised the Fed's independence by wading into fiscal policy debates during the 2020 pandemic.1927 FEDERAL RESERVE BOARD
Choosing an Ireland vacation package seems simple enough. You find a deal you like- be it self-drive or guided- and make the purchase. Done. Ireland vacation booked and ready. But it may not be so simple. Airline transfers, car rental, accommodations… they all play a role in the success of your vacation to Ireland. This article is also available as the Traveling in Ireland podcast, episode 324. Use the player below to listen or scroll to continue reading the article and get resource links. Ireland Vacation Packages Explained: What's Included, What's Not, and What Matters Ireland vacation deals are designed to be attractive – but what looks good at first glance may not be the vacation of your dreams. Step 1: Determine what attracted you to the deal Use the tips below to help you avoid Ireland vacation package purchase regret. Vacation packages are often marketed as ‘all or mostly inclusive' – but there are always additional costs. Were you attracted by the price? Cheap Ireland vacations may not be the best deal. You will be able to spot this as you break down the package. Were you attracted by the accommodations? A bit of research into the vacation package will reveal more about your lodging. Were you attracted by the images or description? Dig into the details and see if those places are included in the package or are just ‘suggestions'. Keep in mind what appealed to you as you dig into the deal. Step 2: Check the terms of the vacation package Review what is included in the package- and what is extra. Most vacation package deals show the lowest priced dates. If the dates can be changed how does that afftect the price? How is the vacation package priced? Most are based on 2 people, sharing. If you have a larger group how will you be accommodated (transportation, lodging, etc)? If you are a solo traveler are there extra charges? Be sure to read the terms and conditions! What is the cancellation policy? Might trip insurance be a good idea? (Don't purchase the travel insurance offered with the vacation package without doing your research! Read more about travel insurance for your Ireland vacation here.) Most importantly- who do you contact if you encounter a problem? Step 3: Know where the package will take you Does the package have a set itinerary? Does it take you to places you want to visit? If the package doesn't have an itinerary do you know how to plan what to see and do? (hint: I can help with that!)Free Itineraries – Vacation Coaching Calls – Bespoke Itinerary Creation Step 4: Review your transportation Where do flights depart? Can that be changed and, if so, how does that affect the cost? Can you get to the departure airport without further significant cost? Also note that many packages do not allow accrual of frequent flyer points and that children do not receive a special fare. Is car rental included? If so be aware that in most cases you will have to pay for insurance upon arrival in Ireland. Resource: Car Rental & Driving Guide. Pay close attention to Ireland Car Rental Insurance and Yes You Can Rent a Car if You are Over 70 (if applicable). If your tour is guided check all information on pick up, drop off, and how you will be transported. Also be aware that guided tours do not include a gratuity in the package cost. If your tour includes rail be sure to study a rail map and figure out how you will get from the city hubs into the country to visit the sites you want to see. Read more: Traveling Around Ireland: Trains, Buses, and Automobiles Step 5: Check the accommodations Will you be in a single location or will you be switching accommodation during your trip? Check the drive times to your first night's lodging from the airport and your final night's lodging to the airport. That 2 hour drive may not seem like a lot until you realize your flight from Dublin leaves at 9am and you need to arrive 3 hours prior to boarding to clear all the security points. If the accommodations are set are they near places you want to see and visit? For packages offering hotel stays check hotel ratings. Be sure to see if there is an ‘alternate' hotel in case the first hotel isn't available. (Trip Advisor is a great resource for this). If staying at a luxury property check to see if those great resort activities (like a Hawk Walk, horseback riding, or 5* dinner) are included in your package or if they will carry an additional charge. As you review the vacation package you'll easily see if it is as great a deal as it first appeared or if the tour is the right fit for you. The post Ireland Vacation Packages: How to Tell a Great Deal from a Costly Mistake appeared first on Ireland Family Vacations.
Mayor Brandon Johnson has walked away from a $3 billion-plus plan to undo the city's parking meter deal. Crain's politics reporter Justin Laurence discusses with host Amy Guth.Plus: Cardinal Cupich joins rare rebuke of U.S. foreign policy, Chicago-based Protein Bar acquired by the company that owns Dos Toros and Chopt, River North office building teed up for residential conversion and a report finds Illinois wage gap persists despite transparency efforts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Stop gambling with your book budget! The key to successful and affordable publishing is knowing how to preempt the costly errors that plague new authors. Host Juliet Clark delivers a frank breakdown of the crucial steps you must complete before submitting your manuscript. She reveals the expensive reality of skipping a professional editor who stays through formatting, the strict rules on AI-generated content, and the non-negotiable requirement for high-resolution images with commercial licenses. Learn why securing a cover mock-up, a current professional headshot, and edited endorsements a full three months in advance are vital to a professional and timely launch, reminding authors that the book they submit is the book they get back, so get all your ducks in a row.Love the show? Subscribe, rate, review, and share! https://superbrandpublishing.com/podcast/
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 Using your 401(k) for a home down payment may sound like a shortcut to homeownership—but it's a bad idea that could leave buyers worse off. Chris explains why tapping retirement savings won't make housing more affordable and will likely do the opposite by inflating prices even further. As markets begin to cool and home values slowly correct, unlocking trillions in 401(k) capital would pour gasoline on the real estate fire, rewarding sellers and agents while setting buyers back years in retirement savings. It's another well-intentioned policy that misses basic economics—and risks keeping everyday Americans poorer, not better off.
Craig Carton and Chris McMonigle dive deep into the NFL playoff drama, expressing frustration with officiating and rules analysts in the booth. They break down the controversial calls in the Denver-Buffalo game and why Josh Allen's mistakes ultimately cost the Bills their playoff win.
Mitch Dinterman | Christ Community CU
Mike Tomlin resigned this week after nearly 20 years with the Steelers. We're talking about his coaching legacy, what went wrong, and what's next for his career and the franchise. Plus, host Megan Harris and producer Sophia Lo are chatting about the PA Farm Show's butter sculpture, super flu, "The Pitt" at the Golden Globes, a new weekend newspaper, space news, and a very strange case of stolen human remains. Know what happened with the James Street remodel? Call us on our JAMES STREET HOTLINE at 412-212-8893. Notes and references from today's show: PHOTOS: 35th annual Pennsylvania Farm Show Butter Sculpture [WPXI] Who will be the Steelers' next head coach? Possible candidates to replace Mike Tomlin [The Athletic] What to know about the "super flu" in Western Pa. [Axios Pittsburgh] Kindergarten vaccination rates at many Pittsburgh-area schools are below herd immunity [WESA] Park House Is Once Again Packing ‘Em in on the North Side [Pittsburgh Magazine] A Farewell to Hem's: Hemingway's Cafe in Oakland is Closing After 43 Years [Pittsburgh Magazine] ‘The Pitt' Wins Two Golden Globes [Pittsburgh Magazine] Trib expands to fill Pittsburgh's newspaper void [TribLive] More than 40 news sources remain in Pittsburgh's fragmented media landscape [Public Source] ‘Which bone goes with which person?': Costly investigation follows Pa. cemetery thefts [PennLive] Astrobotic secures $17.5M from NASA to test and expand reusable rockets [Technical.ly] PODCAST: Meteor Showers, Moon Launches & Pgh Among the Stars [City Cast Pittsburgh] Learn more about the sponsors of this January 16th episode: AIDS Free Pittsburgh PA Preferred P3R Special Olympics Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news? Sign up for our daily morning newsletter. We're also on Instagram @CityCastPgh! Interested in advertising with City Cast? Find more info here.
Bobby and Eddie start by revisiting their weird Spurs game experience—where they somehow ended up in the middle of a bunch of kids high-fiving players, and it turned into one of those “how did we get here?” moments that still makes them laugh. Then they get into a real debate about the best athlete they’ve ever seen in person, and what stood out when you’re actually in the building versus watching on TV. Plus, Bobby tells the story about the time he was almost fired from his job and what led to it. And Eddie is still mad about his costly Disneyland dinner with “The Beast,” including what it set him back, what he thought he was paying for, and why he’s refusing to let it go. Download the DraftKings Sportsbook App today: https://dkng.co/bobbysports If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA).21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. N/A in NH/OR/ON. New customers only. Valid 1 per new customer. Min. $5 deposit. Min $5 wager. $200 issued as eight (8) $25 free bets. Ends 9/19/22. See http://draftkings.com/sportsbook for details. Follow the Show: @25WhistlesSports Follow the Crew: @MrBobbyBones @ProducerEddie @KickoffKevin @MikeDeestro @BrandonRayMusicSee omnystudio.com/listener for privacy information.
Bobby and Eddie start by revisiting their weird Spurs game experience—where they somehow ended up in the middle of a bunch of kids high-fiving players, and it turned into one of those “how did we get here?” moments that still makes them laugh. Then they get into a real debate about the best athlete they’ve ever seen in person, and what stood out when you’re actually in the building versus watching on TV. Plus, Bobby tells the story about the time he was almost fired from his job and what led to it. And Eddie is still mad about his costly Disneyland dinner with “The Beast,” including what it set him back, what he thought he was paying for, and why he’s refusing to let it go. Download the DraftKings Sportsbook App today: https://dkng.co/bobbysports If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA).21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. N/A in NH/OR/ON. New customers only. Valid 1 per new customer. Min. $5 deposit. Min $5 wager. $200 issued as eight (8) $25 free bets. Ends 9/19/22. See http://draftkings.com/sportsbook for details. Follow the Show: @25WhistlesSports Follow the Crew: @MrBobbyBones @ProducerEddie @KickoffKevin @MikeDeestro @BrandonRayMusicSee omnystudio.com/listener for privacy information.
Most RVers are doing it wrong. They're tripping breakers, wasting propane, and turning out mediocre meals because nobody ever taught them how to actually use their RV kitchen.In this week's conversation, RV Kitchen Expert Evada Cooper cuts through the confusion and delivers the insider knowledge you need. Discover which appliances are actually worth upgrading (and which ones are just marketing hype), learn the proven techniques for cooking restaurant-quality meals in your rig, and finally understand how to manage your electrical system so you can cook without constantly resetting breakers.The game-changer? Evada breaks down exactly why your convection oven is the secret weapon you've been ignoring, and shows you step-by-step how to master it. This isn't theory: it's practical knowledge from someone who's cooked thousands of meals on the road and knows what actually works.Whether you're tired of eating out, frustrated with your current setup, or just want to expand your mobile cooking skills, this episode delivers real solutions. Stop settling for campground cuisine and start enjoying the meals you deserve.Key Topics:The appliance upgrades that actually matterElectrical management strategies for serious cookingConvection oven mastery: techniques and timingCommon RV kitchen mistakes and how to avoid themGourmet meal planning for limited spacePerfect for both new RVers setting up their first kitchen and veterans ready to level up their cooking game.
Climate-driven shocks are rippling across sectors, from rising insurance premiums to lower property prices and tax revenue. With the costs of severe weather rising, Moody's experts share their insights into key themes and possible solutions. Learn more at https://www.moodys.com/outlooks Explore our outlook: https://www.moodys.com/web/en/us/insights/credit-risk/outlooks/global-sustainable-finance.html Want to know more on the sustainable finance trends in 2026? Join us:EMEA/US: https://events.moodys.com/2026-mie26362-sustainable-finance-outlook-emea-usaAPAC: https://events.moodys.com/2026-mip26493-sustainable-finance-outlook-apac Host: Chandra Ghosal, Vice President, Senior Credit Officer, Moody's Ratings Guests: Jennifer Chang, Vice President, Senior Credit Officer, Moody's Ratings; Sarah Hibler, Associate Managing Director, Moody's Ratings Related Research: Sustainable Finance – Global – 2026 Outlook – Transition shifts, extreme weather and AI boom drive credit risks 13 Jan 2026Emerging economies are most exposed to the credit effects of severe weather 30 Oct 2025US Public Finance – Florida – Miami Cat-5 storm would test economy and insurance market even with federal aid 24 Sep 2025Environmental Risk – Global – Adaptation can support credit strength, but faces race to keep up with climate risks 22 Sept 2025 © 2025 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
For the latest Evelyn O'Rourke our Arts and Media Correspondent
Across parts of Appalachia, some people don't trust their water, or their water isn't safe to drink. So they turn to bottled water, even for cooking in some cases. But as a recent study points out, this is costing low-income families a lot of money, as Roxy Todd reports.
How should multifamily deals really be underwritten in 2026?In this live LSCRE podcast, we break down how we are underwriting multifamily real estate today and the critical mistakes investors and sponsors don't realize until years 3–5.This episode covers real-world underwriting decisions we're making right now, including:Why underwriting mistakes don't show up in year oneCash flow vs IRR (and how cash flow can be manipulated)The hidden risk of in-the-money interest rate capsHow location repricing is changing acquisitionsTrue rents, fees, and concessions (what most people miss)Why most “value-add” deals don't work in today's marketLoaded ICR vs DSCR and how we evaluate debt riskWhat real multifamily distress actually looks likeHow LSCRE is positioning acquisitions for long-term cash flowWe also answer live investor questions and explain how these principles apply to a real multifamily acquisition we just closed.Learn more about LSCRE:www.lscre.com
What happens to the house in a divorce? For many homeowners, divorce and real estate collide in painful and expensive ways. The home is often the biggest asset, the biggest debt, and the most emotionally charged part of the divorce process — and it's where people make the most costly mistakes. In this episode of State 48 Homeowner, host Scott Kooiman of Klaus Team Real Estate Solutions sits down with family law attorney Marco Brown, founder of Brown Family Law, to explain what homeowners need to understand about divorce and your house — before emotions and assumptions lead to years of financial fallout. We break down: What really happens to the house in a divorce Common misconceptions about keeping the house after divorce How Arizona community property law treats the marital home Divorce housing options: selling the home, one spouse keeping it, or deferred sale How equity, debt, and property division are handled Why co-ownership, nesting, and "we'll figure it out later" usually fail What happens when one spouse refuses to cooperate or move out Court-ordered home sales and forced resolutions Why walking away emotionally before finances are settled is dangerous You'll also hear a critical mortgage and lending reality check from Steve Farrington of Unity Home Loans, explaining: How divorce affects mortgage qualification Debt-to-income ratio issues during divorce Using spousal support as qualifying income Refinancing after divorce — and what happens when rates are higher Credit risks when you're still tied to the mortgage How missed payments impact both spouses How to protect yourself financially during a divorce Before you make a decision — especially in a moment of stress — it's critical to talk to professionals who understand how family law, divorce mortgages, and real estate intersect. This episode is part of our "When Things Go Wrong" series, covering what happens to your home during divorce, death, disability, and major life transitions — so homeowners can make informed, confident decisions when it matters most.
A new report declares 2025 as one of the costliest years when it comes to climate disasters. Environmental groups are cautiously optimistic about the environmental commitments for the proposed Everett Soccer Stadium. And will YOU add shellfish harvested from Boston Harbor to your dinner table? It's our environmental news roundtable!
Send us a textA bright dashboard can feel like certainty, but certainty is often the first illusion. We sit down with Dr. Mike Orkin, a seasoned statistician who has advised casinos and Fortune 100 leaders, to explore why smart people make bad calls when the numbers look right—and how to prevent it. From margin of error to the myth of tidy causation, Mike breaks down the difference between patterns worth acting on and patterns that will quietly burn your budget.We dig into classic misreads—like soda sales “causing” polio or alcohol “causing” lung cancer—and show how hidden variables twist decisions. Then we step onto the casino floor to see probability without the storytelling: independent trials, house edge, and why betting limits protect profits. If you've ever heard of positive expected value, you'll hear why it still fails without disciplined sizing, and how the Kelly criterion turns winning odds into sustainable advantage. Along the way, we tackle lotteries, survivor bias, and the uncomfortable truth that winners often emerge because enough people played, not because someone discovered a secret.AI enters as both accelerant and trap. Large language models thrive on correlation and can hallucinate when the evidence runs dry. Mike shares practical guardrails for using AI in places like engineering and support—pairing models with domain expertise, testing for failure modes, and resisting the lure of overconfidence. We also zoom out to a leader's mental model: when to think deterministically, when to think probabilistically, and how to blend data with context, incentives, and human will.If you're steering strategy, allocating capital, or building with AI, this conversation offers a clear checklist: respect uncertainty, size your bets, interrogate correlations, and hire experts who can “think with other people's brains.” Subscribe, share with a data-loving friend, and leave a review with one insight you'll apply this quarter.Thanks for tuning in to this episode of Follow The Brand! We hope you enjoyed learning about the latest trends and strategies in Personal Branding, Business and Career Development, Financial Empowerment, Technology Innovation, and Executive Presence. To keep up with the latest insights and updates, visit 5starbdm.com. And don't miss Grant McGaugh's new book, First Light — a powerful guide to igniting your purpose and building a BRAVE brand that stands out in a changing world. - https://5starbdm.com/brave-masterclass/ See you next time on Follow The Brand!
When life feels tight and strength is low, obedience can feel risky or even foolish.In this message from 2 Kings 3, we explore why we hold back from God, and how grace invites deeper trust when we're running on empty.
How do we obey even when it's an example?Reading Plan: Worship - Psalm 6Wisdom - Proverbs 1:28-30Witness - Genesis 21-23Visit https://www.revivalfromthebible.com/ for more information.
The new year is the right time to take a clear look at how taxes, required withdrawals, and income decisions can quietly shape the rest of your retirement. In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through the most common tax and planning issues retirees and near-retirees face—and why understanding them early can help you avoid unnecessary taxes, missed opportunities, and future stress. In this conversation, you'll hear about: How required withdrawals work later in retirement—and why misunderstanding them can create avoidable tax pressure Why the timing of tax decisions matters more than most people realize How portfolio changes can unintentionally trigger taxes if handled without a plan Ways charitable giving fits into an overall income and tax strategy The difference between decisions that must be made during the year and those that can be adjusted later What information your CPA and planning team actually need to help you make better decisions If you're within 5–10 years of retirement, or already retired, this episode provides clarity on how taxes, income, and planning decisions work together—and where many retirees unknowingly go wrong. Learn more: DeckerRetirementPlanning.com Schedule a conversation: 833-707-3030 This content is for informational purposes only and is not tax or legal advice. Investing involves risk, including the potential loss of principal.
there's a reason scripture says to FLEE from the enemy. He's sneaky, he's a snake but he isn't dumb. He watches and sees how you react to circumstances and situations and if he's lucky he'll see how he can trigger you, how he can get you to slip up. You don't just FALL into sin you linger, it trickles, then ripples, then snowballs, and then catastrophe occurs. That's why instead of "bouncing" just once alongside his schemes its best to FLEE automatically, it can't be flirted with, you don't have it "under control" your will power will begin to NOT be enough. Thats where he wants you and thats where he'll get you IF you allow it!
Ash interviews Michael Cobb, exploring how Michael built an international real estate, lending, and development platform across Central and South America by identifying gaps in foreign buyer financing and leaning heavily into community-centric development. Michael shares why legal systems, zoning assumptions, and cultural norms differ dramatically outside the U.S., and how misunderstanding those nuances can derail overseas investments. He also explains his long-term strategy of creating purpose-built expat communities using New Urbanist design principles, why branded resort residences in markets like Belize sit in a “sweet spot” for appreciation, and how thoughtful diversification outside the U.S. can strengthen both lifestyle and portfolio outcomes. Michael CobbCurrent role: Founder and CEO, ECI DevelopmentBased in: Belize / United StatesSay hi to them at: https://ecidevelopment.com Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/ Join the Best Ever Community The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria. Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at www.bestevercommunity.com Podcast production done by Outlier Audio Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textIf you've found yourself thinking, “We really need to communicate better,”but you also feel a quiet tightening inside when you say that…this one is for you.Most couples don't stop talking because they don't care.They stop because talking started to feel costly.Costly emotionally — it leads to reactions that stir more feelings.Costly energetically — you walk away drained, with nothing resolved.Costly relationally — it feels like every attempt pushes you further apart.So avoidance slowly becomes protection.And over time, that protection turns into distance.This week's podcast episode is an invitation to start again —not by pushing harder or having a big talk —but by making communication simpler and safer.
MEDICARE ADVANTAGE MINUTE: THE FUTURE FOR(?) MEDICARE ADVANTAGE! Includes a hint that funding for SHIP may be on the bubble in 2026! Eleven costly Medicare Mistakes you should avoid! These include The Drug plan selection problems, HSA precautions and MA vs Medicare Supplement differences. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers. Official website: https://www.MedicareForTheLazyMan.com.
If you haven't filed for divorce yet but you're spiraling, crying, rage-texting, and panic Googling how to leave your spouse...this episode is your pre-divorce game plan. Andrea walks you through the “invisible work” that protects you before you file: creating a private email, organizing finances, understanding monthly expenses, regulating emotions, interviewing attorneys strategically, protecting kids from adult stress, and avoiding common mistakes that can cost you money (and peace).This is not about being sneaky—it's about being smart.Key Topics CoveredWhat to do before you file for divorceHow to create a private email and start organizing information safelyThe pre-divorce financial lists you need (accounts, debts, passwords, credit score)Why tracking monthly expenses now saves you later (hello, financial affidavits)How to stay emotionally neutral and avoid the “high-high / low-low” spiralHow to interview attorneys and choose the right “business partner”What NOT to do before filing (spending changes, threats, escalating conflict)How to protect your kids (routines, boundaries, therapy support)Bonus: writing down your “why” and what you want on the other sidePractical Pre-Divorce Action Steps (Checklist)Do these before you file:Create a new private email address (separate from anything your spouse can access).Start a Google Doc/Sheet to track:All known accounts (banking, retirement, investments, credit cards, loans)Unknowns you need to identify (accounts you suspect exist, balances you don't know)Passwords/access issuesPull your credit score and document it.List all monthly expenses (mortgage/rent, utilities, insurance, subscriptions, kids' expenses, activities, childcare).Interview at least 3 attorneys before hiring—choose strategy, not vibes.Keep household routines stable (especially if you have kids).Don't threaten, don't escalate, and don't make sudden spending changes.Get a hobby/outlet (something healthy + consistent).Consider lining up a therapist for your kids if you expect the process to hit them hard.
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In this episode, Dr. Saundra unpacks the story of the woman with the alabaster jar and what it teaches us about discernment, courage, and arising to step boldly into God's calling. Learn how to pour out your gifts with confidence, even when it feels costly or misunderstood. Applications are now open for Your Alabaster Season - 9 months of spiritual mentorship, purpose alignment, and calling development with Dr. Saundra Dalton-Smith. Get your copy of Being Fully Known. I Choose My Best Life Podcast is one of the Top 20 Christian Women Podcasts I Choose My Best Life Books: Being Fully Known, Colorful Connections, Sacred Rest, Come Empty, Set Free to Live Free Connect with Saundra: Twitter: @DrDaltonSmith Pinterest: https://www.pinterest.com/drdaltonsmith Facebook: https://www.facebook.com/DrSaundraDaltonSmith
COSTLY MISTAKES OVERSPENDING IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA About This Episode Holding retirement savings in cash may feel safe, but over time inflation erodes purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why too much cash can become a costly mistake—and how to find the right balance for long-term security. You'll also learn why professional planning helps ensure that your money continues to grow, even as your needs and goals evolve. Full DescriptionMany retirees feel comfortable keeping large portions of their retirement plan in cash. It provides stability, avoids market swings, and seems like the safe choice. However, cash alone cannot keep up with inflation. Over the years, rising prices quietly reduce its value, leaving less to cover healthcare costs, everyday expenses, and the retirement lifestyle you planned. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., Tyler Kluge, and Tessa Hall explain why holding too much cash can be risky. While every plan needs liquidity for emergencies, relying on cash at the expense of growth may limit your long-term success. Together, they share insights on how to strike the right balance, ensuring you maintain flexibility today while protecting your future purchasing power. Listeners will also hear how professional financial planning can help determine the right mix of cash, bonds, and equities. With careful guidance, it is possible to feel secure while still allowing your portfolio to grow. At BWFA, we believe retirement is about more than safety—it's about sustainability. This episode offers practical guidance for making smarter decisions, avoiding common pitfalls, and staying on track for the future. By learning how to balance risk and reward, you can create a retirement strategy designed to last. For more retirement strategies, visit BWFA's Financial Planning Services.
In January 1998, freezing rain began to fall along the St. Lawrence River but instead of the system moving on, it hung around. It created one of the most costly natural disasters in Canadian history that is still remembered by many to this day. ORDER MY FIRST HISTORY BOOK! CANADA'S MAIN STREET: https://sutherlandhousebooks.com/product/canadas-main-street/ Donate: buymeacoffee.com/craigu Donate: canadaehx.com (Click Donate) Support: patreon.com/canadaehx Merch: https://www.ohcanadashop.com/collections/canadian-history-ehx Hello Fresh: HelloFresh.ca/CHEHX E-mail: craig@canadaehx.com Twitter: twitter.com/craigbaird Threads: https://www.threads.net/@cdnhistoryehx Tiktok: https://www.tiktok.com/@cdnhistoryehx YouTube: youtube.com/c/canadianhistoryehx Want to send me something? Craig Baird PO Box 2384 Stony Plain PO Main, Alberta T7Z1X8 Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of "The D.O. Show," host Dustin Owen—drawing on his two decades of expertise in the financial and mortgage industries—dives deep into the often misunderstood world of insurance. With his signature "321 format," Dustin breaks down the essentials of disability, term life, and whole life insurance, making complex topics accessible for listeners at every stage of their financial journey. Dustin kicks off the episode by answering real audience questions, addressing common concerns such as: "Do I really need disability insurance if I'm young and healthy?", "How much term life coverage is enough for my family?", and "Is whole life insurance a smart investment or just a sales pitch?" He then transitions into a discussion of recent headlines and trends in the insurance industry, highlighting regulatory changes, new product offerings, and shifts in consumer behavior that could impact listeners' decisions. Throughout the episode, Dustin offers an in-depth perspective on whole life insurance, explaining how it differs from term life, the mechanics of cash value accumulation, and the scenarios where it might make sense—or not—for different individuals. He emphasizes the importance of understanding the true purpose of each insurance product, dispelling myths such as "insurance is only for the wealthy" or "whole life is always a bad deal." Dustin also shares real-life stories from his career, illustrating how proper insurance planning has protected families and individuals during unexpected life events. Importantly, Dustin stresses that insurance should be viewed as a foundational element of a sound financial plan—not as an exciting investment or a way to chase returns. He encourages listeners to approach insurance decisions thoughtfully, focusing on protecting their income, loved ones, and long-term financial stability. By the end of the episode, listeners will have a clearer understanding of how disability, term life, and whole life insurance work, why they matter, and how to evaluate their own coverage needs. Dustin's practical advice and candid insights empower the audience to make informed, confident decisions about their insurance, ensuring they're prepared for whatever life may bring.
THE ATOMIC BOMB AND POST-WAR LEADERSHIP Colleague Craig Symonds. Nimitz and King believed a naval blockade could force Japan's surrender without a costly invasion, which they feared would result in millions of deaths. Nimitz was informed early about the atomic bomb to ensure it wouldn't interfere with operations. After the war, despite resistance from the aviation community and Secretary Forrestal, Nimitz served a two-year term as Chief of Naval Operations. Spruance, denied a fifth star in favor of Halsey, took the high road by leading the Naval War College, ensuring future officers learned from the Pacific war's lessons. NUMBER 8 1945 OKINAWA TEN YEAR OLD SURRENDERS WITH WHITE FLAG
Transferable Concept #5: Teach them to live GRACE FILLED livesA theology of grace1. It's the unmerited and unconditional FAVOR of God toward us - 1 Jn 4:192. It's free to us, but COSTLY to God -1 Cr 6:19-203. The CROSS is God's greatest act of grace -Ro 5:84. SALVATION is a free gift from God -Ro 6:235. It must be received by FAITH -Ep 2:8-96. It produces GRATITUDE toward God and love toward others -Ti 2:11-127. Old Testament roots: Gn 3:21, 6:88. Biblical profiles: David, Peter9. New Testament command: Jn 3:16-18, Ep 2:8-9, 1 Pt 1:13Teach them that failure is never final1. Encourage them to MEDITATE on the lives of David and Peter, a murderer, adulterer, and betrayer among God's most beloved and mightily used servants2. Help them remove the power of the SECRECY and condemnation by practicing repentance and confession with some mature believers you can trust3. Teach them to REFUSE a "performance-orientation" with God; the relationship is always grace-orientation.Life message: You were created to RECEIVE grace and to give grace!Broadcast ResourceDownload Free MP3Message NotesYear End MatchDouble Your Gift TodayMinistry ReportAdditional ResourcesChristmas GiftsConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003
Got a question? Let us know!Made for Mondays | The Christmas PlaylistLight That Can't Be ManufacturedThis week on Made for Mondays, Heather is joined by Jamey, Tyler, and Doug as they lean into the heart of Christmas week and unpack Sunday's message about real joy and real light—the kind that doesn't come from a playlist, a purchase, or pretending everything is fine.After some weekend catch-up and reflections from Revelation 10–15, Psalms 145–157, and Proverbs 30, the conversation turns toward a timely and honest question:✨ What's the difference between manufactured cheer and received joy?As Christmas approaches, the group reflects on the ways we often try to produce joy—through nostalgia, noise, shopping, control, or even religious performance—when what we actually need is to receive joy as the fruit of abiding in Jesus. Jamey shares how Christmas music can sometimes feel like it's trying to convince our souls everything is wonderful, even when life feels dark.The discussion explores:• Chasing a mood vs. staying close to Jesus How do we tell when we're chasing a feeling instead of abiding in Christ? The group shares honest “litmus tests” that reveal when joy has become something we're forcing rather than receiving.• Darkness and light Jamey unpacks the idea that darkness isn't a thing—it's the absence of light. Spiritually, that shifts the battle. Instead of staring at darkness, we're invited to step toward the Light. What does that look like practically? The team offers simple, doable steps—like intentional prayer, confession, community, or a single act of obedience—that help move us closer to Jesus when gloom starts creeping back in.• Shining brighter in real life Rooted in Matthew 5, the BIG IDEA comes into focus: In a world getting darker, we need to shine brighter. Not performative faith—but quiet faithfulness. Reconciliation. Costly generosity. Staying at the table with people we disagree with. The group shares real-life examples of what that kind of light looks like when it shows up in everyday moments.• Light beyond our walls The conversation connects to The Gift and Believers' partners in Cuba, highlighting how faithful believers there are shining the Light of Jesus in powerful, practical ways—and why it's such a gift to be part of what God is doing through them.• Community in the dark seasons Jamey revisits a story from one of his darkest seasons, where isolation played a central role. Doug and Tyler reflect on how deeply they relate—and why community isn't optional for spiritual health. The group also points ahead to Steps and the importance of getting connected to a small group in the New Year.Join Us This Week
Transferable Concept #5: Teach them to live GRACE FILLED livesA theology of grace1. It's the unmerited and unconditional FAVOR of God toward us - 1 Jn 4:192. It's free to us, but COSTLY to God -1 Cr 6:19-203. The CROSS is God's greatest act of grace -Ro 5:84. SALVATION is a free gift from God -Ro 6:235. It must be received by FAITH -Ep 2:8-96. It produces GRATITUDE toward God and love toward others -Ti 2:11-127. Old Testament roots: Gn 3:21, 6:88. Biblical profiles: David, Peter9. New Testament command: Jn 3:16-18, Ep 2:8-9, 1 Pt 1:13Teach them that failure is never final1. Encourage them to MEDITATE on the lives of David and Peter, a murderer, adulterer, and betrayer among God's most beloved and mightily used servants2. Help them remove the power of the SECRECY and condemnation by practicing repentance and confession with some mature believers you can trust3. Teach them to REFUSE a "performance-orientation" with God; the relationship is always grace-orientation.Life message: You were created to RECEIVE grace and to give grace!Broadcast ResourceDownload Free MP3Message NotesYear End MatchDouble Your Gift TodayMinistry ReportAdditional ResourcesChristmas GiftsConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003
This week in Portland, we're looking into why five city council members are lawyering up, the controversial multibillion-dollar idea to revitalize a coastal town, and a check-in on three local labor disputes. Joining host Claudia Meza on this week's Friday news roundup are KBOO news director Althea Billings and our very own senior producer, Giulia Fiaoni. Discussed in Today's Episode: Law Firm That Regularly Sues the City Over Police Misconduct Is Representing Peacock Councilors [Willamette Week] Oregon's Leading Politicians Want To Bet Billions of Dollars on a New Shipping Terminal. Critics Say It's a Costly Mistake. [Willamette Week] Strike Averted: New Seasons Grocery Workers Secure First Labor Contract [Portland Mercury] Legacy Health Strike Grows as 80 Urgent Care, Pediatric Care Providers Plan Walkouts [Oregonian] Starbucks Workers Rally One Month Into Strike [Willamette Week] Become a member of City Cast Portland today! Get all the details and sign up here. Who would you like to hear on City Cast Portland? Shoot us an email at portland@citycast.fm, or leave us a voicemail at 503-208-5448. Want more Portland news? Then make sure to sign up for our morning newsletter and be sure to follow us on Instagram. Looking to advertise on City Cast Portland? Check out our options for podcast and newsletter ads at citycast.fm/advertise. Learn more about the sponsors of this December 19th episode: Portland Spirit PaintCare PGE
Andy and Randy talk about this weekends first round matchups in the College Football Playoffs and how Miami might have the best chance of the 8 teams playing to start a run and win it all.
PREVIEW: Bob Zimmerman questions Amazon's perplexing launch strategy for its LEO constellation, asking why the company is utilizing more costly, non-reusable launch providers like ULA and Blue Origin instead of the more cost-effective SpaceX reusable boosters. He speculates that historical contracts or potential personal conflicts between billionaires may explain the decision. 1958
In hour 2 Andy and Randy bring you an NFL No Huddle as the Falcons pack up for Arizona, and other teams announce major changes. Plus, GA Tech has a chance to win the most practical bowl trophy ever created.
How should Christian faith shape work in an era of pluralism, fear, and systemic inequality? Sociologist Elaine Howard Ecklund (Rice University) is presenting new insights for faith at work through data, theology, and lived experience. "People love to talk about individual ethics … but what was really hard for them to think about was, what would it mean to make our workplace better as a whole?" In this episode, Ecklund joins Mark Labberton to reflect on moving from individual morality toward systemic responsibility, dignity, and other-centred Christian witness at work. Together they discuss faith and work, the gender and race gaps created by systemic injustice, fear and power, religious diversity, rest and human limits, gender and racial marginalization, and the cost of a credible Christian witness. Episode Highlights "People love to talk about individual ethics." "What would it mean to make our workplace better as a whole?" "People are much more apt to take us seriously if we first take them seriously." "Suppression of faith in particular is not the answer." "God is God and I am not." About Elaine Howard Ecklund Elaine Howard Ecklund is professor of sociology at Rice University and director of the Boniuk Institute for the Study and Advancement of Religious Tolerance. She is a leading sociologist of religion, science, and work whose research examines how faith operates in professional and institutional life. Ecklund has led large-scale empirical studies on religion in workplaces and scientific communities, supported by the National Science Foundation, Templeton Foundation, and Lilly Endowment. She is the author or co-author of several influential books, including Working for Better, Why Science and Faith Need Each Other, and Science vs. Religion. Her work informs academic, ecclesial, and public conversations about pluralism, justice, and moral formation in modern society. Learn more and follow at https://www.elaineecklund.com and https://twitter.com/elaineecklund Helpful Links And Resources Working for Better (IVP): https://www.ivpress.com/working-for-better Why Science and Faith Need Each Other (IVP): https://www.ivpress.com/why-science-and-faith-need-each-other Elaine Howard Ecklund website: https://www.elaineecklund.com Rice University Boniuk Institute: https://boniuk.rice.edu Conversing with Mark Labberton: https://comment.org/conversing Show Notes Sociological study of religion, work, and group behavior Christian faith taken seriously at personal and academic levels Ecklund's former research focus on science as a workplace environment Expanding faith-at-work research beyond scientific communities Compartmentalized Christian faith and the fear of offending colleagues Friendship and collaboration emerging from leadership retreats Large-scale data-driven study on religion in changing workplaces Religious pluralism at work and changing workplace demographics Writing for Christian audiences shaped by empirical research From individual ethics toward systemic responsibility at work "People love to talk about individual ethics." Systemic injustice blind spots Moral shorthand focused on time sheets and office supplies Organizational leadership and culture change Difficulty imagining organizational or structural workplace change Fear of retaliation when confronting unjust systems Responsibility for workplace realities Power underestimated by those holding leadership positions Costly examples of speaking up against workplace injustice Christian fear of marginalization in pluralistic environments Suppression of religious expression as common workplace response Suppression versus accommodation: "Suppression of faith in particular is not the answer." Religious diversity as unavoidable reality of modern work Other-centered faith rooted in dignity of every person Imago Dei shaping engagement across religious difference "People are much more apt to take us seriously if we first take them seriously." Racialized religious minorities: the double marginalization of racial minorities of faith Gender inequity and underexamined workplace power dynamics Faith-based employee groups Fear masquerading as anger in cultural and religious conflict Workplaces as rare spaces for meaningful civic encounter Justice beyond activism Rest as theological foundation for justice and leadership Limits, Sabbath, and resisting productivity as ultimate value "God is God and I am not." Human limits in leadership Production Credits Conversing is produced and distributed in partnership with Comment magazine and Fuller Seminary. #FaithAndWork #ElaineHowardEcklund #ChristianEthics #WorkplaceJustice #ReligiousPluralism #RestAndFaith
Jess cannot be trusted in this store... Here are the purchases we feel most guilty about We really hope our kids don't have these interests...
This week on Facts vs Feelings, Liz Loza crashes out with you over some gut-punch moments from the past weekend… but don't worry, Liz also spotlights the players who are cooking up something truly delicious for fantasy managers. Then she shifts into Fantasy Therapy before welcoming Scott Fish, creator of the Scott Fish Bowl and architect of the most diabolical scoring settings in the game.