Podcasts about DB

J.P. Shadrick and Brian Sexton catch up with former Jaguars RB Fred Taylor, Voice of the Colts Matt Taylor, DB's coach Ron Milus and CB Jarrian Jones. The group discusses the upcoming matchup between the Jaguars and the Colts, QB Phillip Rivers resurgence and the ever-improving morale within the Jaguars locker room.See omnystudio.com/listener for privacy information.

Week 16 is in the books, which means championship week is here! Before then, let's talk about what happened this past week with our favorite IDPs. With Bobbo out of town and Addie on IR (illness), Jeff Pomazal tags in with Josh to break down all the LB developments (Schwesinger + some key injuries), DL news (Kobie Turner rising in the DT ranks), and DB happenings (it's a White Christmas). Merry Christmas and good luck this week!0:00 Welcome In, Jeff!2:03 Carson Schwesinger is Ballin'6:08 LB Developments23:26 DL Developments41:44 DB DevelopmentsCheck out our brand-new, free IDP start/sit tool, powered by Mike Woellert's weekly projections: https://idpstartsit.com/Subscribe to our YouTube channel for our other shows, The IDP After Show and All IDP.If you'd like to support the show, you can do so for just $5/month over at ⁠theIDPshow.com⁠. We've got some premium features for paid supporters that we know you'll enjoy. Follow us on Twitter ⁠@theidpshow⁠. Thanks for listening!

1. https://x.com/bandainamcous/status/2000521214884790408?s=462. https://www.crunchyroll.com/news/latest/2025/11/20/dragon-ball-the-one-global-character-popularity-poll?srsltid=AfmBOoqTEesXbLXYCTh1acrsWUjjfVj9W3joLqj-az6BZZvVY6l224rh3. Rankings and Voting- https://db1.dragon-ball-official.com/en/- [ ] https://db-genkidamatsuri.com/en/- [ ] https://automaton-media.com/en/news/one-year-after-launch-dragon-ball-sparking-zero-is-still-attracting-over-1-million-players-every-month/- [ ] https://blog.playstation.com/2025/12/03/playstation-partner-awards-2025-japan-asia-winners-announced/#:~:text=Grand%20Award,October%202024%20and%20September%202025*.Christmas/New Years Questions1. If you could get one item for Christmas from the DB universe what would it be? 2. Who would be the best secret Santa? Who would be the worst? 3. What should DB and Toei New Year's resolution be?

Die Lidl-Mutter Schwarz expandiert von Brot & Joghurt zu IT & Cybersecurity. Entsteht da ein Amazon 2.0? Wird Neckarsulm zum Silicon Valley? Zu Weihnachten wiederholen wir die Lieblingsfolge von Anna Planken aus 2025. Mehr neue Folgen gibt es hier wieder ab dem 7. Januar. Der Mutterkonzern von Lidl, die Schwarz-Gruppe, steht nicht mehr nur für Joghurt, Brot und co., sondern mittlerweile auch für Cybersicherheit, Clouds und IT-Service. Es gibt viele erstaunliche parallelen zu Amazon und seiner Geschichte. Die beiden Hosts Anna Planken und David Ahlf erkunden: Wächst in Baden-Württemberg gerade ein neuer Weltkonzern und wird Neckarsulm zum Silicon Valley? Weitere Infos und Quellen gibt es hier: Schwarz-Gruppe: Die Internetseite der Schwarz-Digitalsparte Schwarz Digits. https://schwarz-digits.de/ Schwarz-Gruppe: Die Internetseite des Digitalcampus Bad Friedrichshall. https://projektcampus.schwarz/ Ipai: Internetseite des Innovationsparks Artificial Intelligence in Heilbronn. https://ip.ai/ Stadt Heilbronn: Informationen zum KI-Campus-Hub Baden-Württemberg. https://www.heilbronn.de/wirtschaft/digitalisierung/projekte-und-massnahmen/ki-in-heilbronn/ki-campus-hub.html Pressemitteilung Deutsche Bahn: DataHub von Bahn und Schwarz Digits. https://www.deutschebahn.com/de/presse/pressestart_zentrales_uebersicht/Schwarz-Digits-und-DB-verkuenden-Gruendung-des-DataHub-Europe-13109540 Das Team: • Hosts: Anna Planken & David Ahlf • Instagram: @anna.planken https://www.instagram.com/anna.planken/ und @davidihrswisst https://www.instagram.com/davidihrswisst/ • Autor: Michael Wegmer mit Recherchen von Alexander Dambach • Redakteur dieser Folge: Christopher Jähnert Kontakt: Ihr habt Fragen, Feedback oder Ideen? Schreibt uns an: plusminuspodcast@ard.de Der Podcast "Plusminus. Mehr als nur Wirtschaft" ist eine Gemeinschaftsproduktion von BR, HR, SWR und WDR. Unser Podcast-Tipp: SWR Aktuell im Gespräch Cyberangriffe ist ein Thema unserer heutigen Folge. Die gibts an ganz vielen unterschiedlichen Stellen und wir möchten Euch dazu ein spannendes Gespräch mit dem BND-Chef Bruno Kahl empfehlen. Der Bundesnachrichtendienst berichtet nämlich über konkrete Attentatspläne im Sportsommer, die verhindert worden sind. Außerdem gibt es beim Absturz der DHL-Maschine aus Leipzig den Verdacht auf Sabotage. Und vor der Bundestagswahl warnt der Nachrichtendienst vor Cyberangriffen durch Russland. Wie all das der BND-Präsident Bruno Kahl einschätzt, das hört Ihr im Interview der Woche bei “SWR Aktuell im Gespräch” – abrufbar in der ARD Audiothek. https://www.ardaudiothek.de/episode/urn:ard:publication:21c18f9ac9d50662/

Themen, die an Tag 125 abgefrühstückt werden, sind: Krankheitswelle und Berlin, BBQ und DB, Jahresende und Essensvorbereitung, Filmempfehlung und Awards

Are you ready to turn your passion for sexual health into a powerful, profitable brand? Join us for an exclusive workshop where you'll learn from DB herself—creator of the wildly successful Sex Ed with DB podcast with 375K+ downloads and 120K+ followers. This is your chance to get insider tips, real-world tools, and connections that can transform your career. Here's what you'll master: Building Your Brand: Create an authentic, standout identity in the sexual health space. Winning Partnerships: Learn how to connect with brands and sponsors to boost your visibility and income. Going Viral: Crack the formula to make your content blow up and reach thousands. Audience Growth: Discover the strategies you need to grow a loyal, engaged following. Preventing Burnout: Tips to balance content creation while staying sane. Authenticity in Content: The secret to producing quality, on-brand content that resonates. Pricing Strategies: DB's personal advice on how to price yourself based on your career stage. Data-Driven Success: Learn to harness data analytics and tell compelling stories with your numbers. Business Set-Up: Get the lowdown on LLC filing, contracts, bookkeeping, and more. Social Media Mastery: Strategies to grow your social media following while staying true to your message. Making a Living Online: How to become a full-time sexual health expert on the internet. This isn't just another workshop.It's a game-changer for anyone serious about thriving in the sexual health space. For full episode: https://tinyurl.com/25p7eypy To learn more, sign up or get your free webinar: https://www.sexedwithdb.com/workshop Learn more about the Intimacy Rewired program on episode #458 or click here: ⁠⁠⁠⁠https://www.intimacyrewired.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And mention Shameless Sex to get $100 off! Do you love us? Do you REALLY love us? Then order ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠our book⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ now! Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shamelesssex.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to snag your copy Support Shameless Sex by sending us gifts via our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon Wish List⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

SUBSCRIBE, LIKE, AND SHARE! We release 2 episodes a week with live episodes added in throughout the season. Follow me on social media: Sean Twitter- https://twitter.com/SeanmrGreen Instagram- https://www.instagram.com/seanmrgreen Also subscribe to our official Youtube channel as well as Bleav's to get even more awesome content Charge On- https://www.youtube.com/channel/UCJEqq5umfrBwq4VCt79b_qQ Bleav- https://www.youtube.com/c/Bleav On an all new CHARGE ON, we talk about the players that entered the portal this week as well as the new DB coach for UCF! Intro 0:00 Many Knights Enter Portal 2:24 UCF New DB Coach 17:00 Final Thoughts 21:11 Also follow Nick: Nick Twitter- https://twitter.com/NickGeddesNews Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Ben Farmer is joined by Simon Jones, Head of Responsible Investment here at Hymans and special guest John Hamilton, Chair of Trustees for the Stagecoach Group Pension Scheme, for a discussion on the unique journey of the Stagecoach pension scheme, recent industry dynamics and the practicalities of this transaction.The conversation offers valuable lessons for trustees and those managing pension schemes in a changing landscape, as they cover topics such as: Key changes in the pensions industry and specific updates from the Stagecoach scheme over the past year.How trustees have approached their responsibilities and the strategies considered to safeguard scheme members.A deep dive into the transaction process, challenges faced, and solutions implemented.We hope you enjoy listening. If you have any questions, on anything covered throughout the episode, please get in touch.Related contentInvestment – endgame planning, productive finance and the brave new world for DB pension scheme investmentThe investment impact of DB schemes choosing to run-onExcellence in EndgamesThe untapped potential of pensionsFoundations - Why Britain has stagnatedFiscal risks and sustainability – September 2024 - Office for Budget ResponsibilityChapters: 01.10 – Introduction 01.55 – The growth/pensions relationship and quick history of the Stagecoach pension scheme06.39 – Pensions industry dynamics and Stagecoach scheme developments in the past 12 months09.14 – “Preserve, protect, enhance” and trustees exploring their options13:57 – Practicalities of the Stagecoach-Aberdeen transaction19.55 – Investment considerations for the framework that's been put in place25:08 – Learnings from the process and calls to action for the future29.22 – Summary and wrap upHymans Robertson disclaimerThis podcast has been prepared by Hymans Robertson LLP, and is based upon our understanding of events as at release date. It is designed to be a general summary of topical investment matters and is not specific to the circumstances of any particular employer or pension scheme. The information contained in this podcast should not be construed as advice and not be considered as a substitute for specific advice as the information is generic in nature. Where a podcast refers to legal matters please note that Hymans Robertson is not qualified to provide legal opinion and therefore you may wish to obtain independent legal advice to consider any relevant law and/or regulation. Hymans Robertson LLP accepts no liability for errors or omissions. Your Hymans Robertson LLP consultant will be pleased to discuss matters raised in this podcast in greater detail. Guests views are separate to that of Hymans Robertson.The information provided in this broadcast is not financial advice. Past performance is not a guide to the future. Please note the value of investments, and income from them, may fall as well as rise. This includes but is not limited to equities, government or corporate bonds, derivatives and property, whether held directly or in a pooled or collective investment vehicle. Further, investments in developing or emerging markets may be more volatile and less marketable than in mature markets. Exchange rates may also affect the value of investments. As a result, an investor may not get back the full amount of the original investment. Past performance is not necessarily a guide to future performance. Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and Licensed by the Institute and Faculty of Actuaries for a range of investment business activities.

92.9 The Game Atlanta Falcons Reporter Joe Patrick speaks about if Drake London is expected to make his return on Sunday against the Cardinals, the performance Mike Evans had against some young DB's for the Falcons, Kirk Cousins viral press conference breaking down coverages and reads, and the mentality of Raheem Morris with three games remaining on another lost season.

Welcome back to Hardcore Penn State Football, the go-to podcast for unfiltered breakdowns, exclusive insights, and fiery debates on Nittany Lions football! In this jam-packed episode, hosts Cory Lestochi & Shawn Kane unpack the latest whirlwind developments in Happy Valley under new head coach Matt Campbell. As the team gears up for the Pinstripe Bowl and eyes a 2026 rebound, we're diving into the recruiting surge, the explosive leaked audio from AD Pat Kraft paired with King Mack's candid remarks, Nick Singleton's big Senior Bowl invite, and the uncertain status of QB Ethan Grunkemeyer. From drama to draft buzz, this episode has it all – tune in for expert analysis and what it means for PSU's path forward in the Big Ten. The Nittany Lions are back in beast mode on the recruiting front! With Matt Campbell at the wheel, PSU is aggressively rebuilding after the Franklin firing decimated the 2027 class and thinned out 2026 commitments. We detail the recent wave of additions to the 2026 class, including intriguing three-star safeties like Bryson Williams and other under-the-radar gems that fit Campbell's gritty, developmental style. Shawn breaks down how Campbell's staff is flipping decommits, targeting Midwest and DMV prospects, and leveraging NIL to compete with powerhouses like Ohio State. Plus, early looks at 2027 targets, such as West Coast offensive tackles where PSU is emerging as a favorite. Mike analyzes commitment trackers showing the class climbing from rock bottom to promising, with speculation on how these moves address needs at OL, DB, and WR for long-term contention. Drama alert! We dissect the controversial leaked 20-minute audio from Athletic Director Pat Kraft's players' meeting, where he rants about the coaching change, internal failures, and even takes shots at Oregon and other programs. Kraft's NSFW comments on where things went wrong – including failing to land top targets like BYU's Kalani Sitake – have gone viral, leading to his public apology and fan backlash. Then, we pivot to safety King Mack's eye-opening remarks, blaming the 6-6 season on "lack of leadership, selfishness, and buy-in" from players. Mack praises Campbell for "knowing what went wrong" and fixing it, revealing internal tensions under Kraft. Our hosts debate the fallout: Is this a wake-up call for accountability, or does it expose deeper program issues? Big news for one of PSU's stars – running back Nicholas Singleton has accepted an invitation to the 2026 Senior Bowl! As the fifth Nittany Lion to commit (joining standouts like Kaytron Allen, Drew Shelton, and Zane Durant), this is a huge showcase for Singleton to boost his NFL draft stock after a solid senior year. The quarterback room is in flux, and freshman Ethan Grunkemeyer is at the center of it. With 1,079 passing yards, 6 TDs, and 4 INTs in limited 2025 action, the former top-100 recruit (No. 5 QB in his class) is weighing his options amid the coaching transition. We explore his uncertain future – stay and compete under Campbell, or hit the transfer portal for a "best situation" in 2026? Grunkemeyer remains focused on the Pinstripe Bowl vs. Clemson, but rumors swirl about a potential reset in the QB room. Our hosts analyze his strengths (arm talent, mobility from Lewis Center, OH), areas for growth, and recruiting expert takes on whether PSU should rebuild around him or look elsewhere. Includes stats breakdowns and comparisons to past PSU QBs. We tackle your questions from the mailbag – Can Campbell salvage the recruiting classes? What's the real story behind Kraft's rant? Plus, our "Buy or Sell" segment on Grunkemeyer's stay-or-go odds and Singleton's draft projection. If this episode has you roaring for more Penn State coverage, hit that LIKE, SUBSCRIBE, and turn on notifications! Share your takes in the comments: Optimistic about the recruiting bounce-back, or worried about the internal drama? Visit rhettcoblentz.com for your graphic design needs!

On theme for the season, this bonus episode is about the trope-filled 80s/90s menswear of Scrooged (1988). Everything is coded for audience convenience: corporate guys wear DB power suits, and a nerd has round glasses and a bow tie. But here's the thing– it's all good! And not only does this film make good use of menswear stereotypes, but it also features some niche moves that you don't see today, like proper black tie outerwear, a festive doeskin waistcoat, and vibrant, argyle-filled golf attire. The costuming in this movie is charming, as it not only fits the characters who wear it but also serves as great inspo fodder! Blog Post: https://alittlebitofrest.com/2025/12/17/the-menswear-in-scrooged-1988/ Support us on Patreon for the full episode (and join the Discord): https://www.patreon.com/styleanddirection/ Follow us on Instagram! www.instagram.com/styleanddirection/ Podcast is produced by MJ

Castine, Living Metal, has retreated to his chambers to channel his power. An ancient dragon continues to slam at the city's protective dome. Kley Kaina has been dragged away by Commander Thereus Aegir. Something suspicious lurks inside the Hexcloak Headquarters of Cenn, City of Iron Chains. And Antistrophe Landrace, Brontë Adelvys and Caoimhe Wake have pledged to get to the bottom of it… literally. This week on Perpetua: In Too Deep 02 Perpetua Guide [In Progress v.055] Dungeon Maps [DNMP] Cenn Tunnels Map [CTDM] Honestly, even though there are a few spots where you can get into fights, it's hard to call the Cenn Tunnels a dungeon. But because there's a boss fight at the end, and secrets throughout, I decided to put the maps here. It's important to remember that you can dig anywhere but only the spots I've marked here will lead to anything. Don't waste your time digging into empty hollow areas! Map  Map with Solution S - Starting Point Whenever you leave from here, all the enemies encounters down here will re-populate. So if you really wanna grind during this section of the game, this is probably the only place to do it.  1 - Wormking Nest If you are desperate for XP, you can dig into this hollow in order to fight a wormking (it's like a ratking but for worms). Each time you dig a new passage into this zone, another battle will start. Not worth the time in my opinion, but maybe it's worth it if you're right at the edge of a level! 2 - Buried Dig Site An old dig site from before Castine's Moon appeared a hundred years ago. There's a few random valuables that you can find here. I got a golden shovel! 3 - Ore Vein You can get some upgrade materials here. Especially useful if you're trying to upgrade Antistrophe's shields! 4 - Flegg Alcove Three level-synched fleggs will spawn here as soon as you enter the tunnels at point S. If you take too long, they'll start wandering around and can actually ambush you! E - Exit This is where you can start digging your way towards the Hexcloak Headquarter Basement. Make sure you're all healed up and ready for a boss fight! Hosted by Austin Walker (austinwalker.bsky.social) Featuring Janine Hawkins (@bleatingheart), Sylvi Bullet (@sylvibullet), and Keith J Carberry (@keithjcarberry) Produced by Ali Acampora Music by Jack de Quidt (available on bandcamp) Cover Art by Ben McEntee (https://linktr.ee/benmce.art) With thanks to Amelia Renee, Arthur B., Aster Maragos, Bill Kaszubski, Cassie Jones, Clark, DB, Daniel Laloggia, Diana Crowley, Edwin Adelsberger, Emrys, Greg Cobb, Ian O'Dea, Ian Urbina, Irina A., Jack Shirai, Jake Strang, Katie Diekhaus, Ken George, Konisforce, Kristina Harris Esq, L Tantivy, Lawson Coleman, Mark Conner, Mike & Ruby, Muna A, Nat Knight, Olive Perry, Quinn Pollock, Robert Lasica, Shawn Drape, Shawn Hall, Summer Rose, TeganEden, Thomas Whitney, Voi, chocoube, deepFlaw, fen, & weakmint This episode was made with support from listeners like you! To support us, you can go to friendsatthetable.cash.

It's The Troy Lee Designs Race Tech Blair Matthes Project where industry insiders Daniel Blair and Steve Matthes dig in on a multitude of topics. DB had plenty of stories from WSX and we recap a wild five round series plus more news heading into A1. Let's dive in!

Let's ask a sub all about subbing! What's the appeal of submission? Can being a submissive be feminist? Can being a sub be empowering? And how can you figure out if you might be a sub too? Plus: DB and guest Lina Dune talk about trad wives. Ladies, is that just a kink? GUEST DETAILSLina Dune is a kink writer, content creator, host of the Ask A Sub podcast and fairy submother to all who seek her advice. She can be found writing about desire over on substack at askasub.substack.com. She's occasionally on instagram at @askasub2.0 and you can get Ask A Sub wherever you get your podcasts. Substack Podcast FROM THIS EPISODE What's a trad wife? And what's a day collar? And why are they wearing those? TABOO SCIENCEWe're so glad to bring you this GREAT clip from Taboo Science all about the ABDL kink and community! Make sure to listen to the end to hear this podcast you're going to LOVE, and find the show at https://www.tabooscience.show/ or wherever you're listening to this podcast. TAKE OUR SMUT QUIZFind your page-turning turn-on with our new SMUT QUIZ! In just 5 questions, you'll get right to the good stuff with curated pages, poems, and audios. No slow burn. No fluff. Just pleasure. Take the quiz here: https://sexedwithdb.fillout.com/smutquiz ABOUT SEASON 13 Season 13 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. CONNECT WITH USInstagram: @sexedwithdbpodcast TikTok: @sexedwithdbThreads: @sexedwithdbpodcast X: @sexedwithdbYouTube: Sex Ed with DB SEX ED WITH DB SEASON 13 SPONSORS Uberlube, Magic Wand, and LELO. Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 13 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Producer and Growth Marketing Manager: Wil Williams (they/them) Social Media Content Creator: Iva Markicevic Daley (she/her) MUSIC Intro theme music: Hook Sounds Background music: Bright State by Ketsa Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa. Thank you Ketsa!

Tonight Ava and DB talk all things Texas A&M baseball with incoming freshman, and two-way star Nico Partido. Nico talks about his home, what the mindset of the team is this year after the tough season last year, and what we can expect to see from him on the mound and at the plate.

Are we at a watershed moment in UK PLC's attitude towards pensions? Will pension schemes start to be seen as an asset, instead of a liability to be managed? In this Quick Take episode, we're joined by LCP Partners Steve Hodder and David Fairs to discuss a first-of-its-kind transaction, where Aberdeen Group has taken over as sponsoring employer of the £1.2bn Stagecoach Group Pension Scheme (a DB pension scheme). In particular, we discuss what happened, motives of the different stakeholders (Aberdeen, Stagecoach, and perhaps most importantly, members) and what this might mean more broadly for both regulation and UK PLC behaviour.

Another week, another massive injury for dynasty IDP managers. This time, it was Green Bay star edge rusher Micah Parsons tearing his ACL. Parsons joins Fred Warner, Nick Bosa, Brian Branch, and other IDP stalwarts who've been lost for the 2025 season due to injury. Adam, Bobby, and Josh discuss Parsons' dynasty value in light of the injury, then recap all the notable developments at LB, DL, and DB in Week 15.0:00 Addie is Sweating MNF (Again)4:17 Micah Parsons Injury16:13 LB Developments41:20 DL Developments1:08:45 DB DevelopmentsCheck out our brand-new, free IDP start/sit tool, powered by Mike Woellert's weekly projections: https://idpstartsit.com/Subscribe to our YouTube channel for our other shows, The IDP After Show and All IDP.If you'd like to support the show, you can do so for just $5/month over at ⁠theIDPshow.com⁠. We've got some premium features for paid supporters that we know you'll enjoy. Follow us on Twitter ⁠@theidpshow⁠. Thanks for listening!

We Like Shooting Episode 641 This episode of We Like Shooting is brought to you by: C&G Holsters, Midwest Industries, Gideon Optics, Primary Arms, Medical Gear Outfitters, Die Free Co., Blue Alpha, and Bowers Group   Welcome to the We Like Shooting Show, episode 641! Our cast tonight is Jeremy Pozderac, Aaron Krieger, Nick Lynch, and me Shawn Herrin, welcome to the show! Text Dear WLS or Reviews. +1 743 500 2171 - Gear Chat Shawn - PopStop™ Review: Innovative Solutions for Shooting Enthusiasts PopStop™ is a device designed to eliminate first round pop (FRP) in suppressors by injecting inert carbon dioxide to replace oxygen, thereby reducing impulse noise and suppressor flash. It has been shown to achieve noise reductions of up to 9 dB and can stabilize velocity standard deviations. The product is not compatible with all firearms, particularly 9mm pistols, and requires specific barrel measurements for proper use. Its introduction aims to enhance suppressor performance within the gun community. Shawn - RL-100 Pre-Order Announcement Cloud Defensive has announced the RL-100, a new entry-level rifle light that combines performance with affordability, priced at $149.99 for early pre-orders. Designed for reliability and ease of use, the RL-100 aims to provide a high-quality lighting option for budget-conscious users and agencies without sacrificing performance. This product's introduction may impact the gun community by offering a cost-effective alternative to higher-priced weapon lights, which could enhance accessibility for everyday users and law enforcement. Shawn - Long Range Shooting Tips Advanced long range shooting by Cleckner Nick - KRG Bravo KRG Bravo Shawn - Hi Point's AR-15 Fun Hi Point AR-15 Shawn - Precision Shooting Simplified Kelbly Precision Element Shawn - C&G Holsters News! C&G Holsters Announcement Jeremy - Savage 24F and Chiappa 12ga barrel inserts Bullet Points Chiappa 44 mag Gun Fights Step right up for "Gun Fights," the high-octane segment hosted by Nick Lynch, where our cast members go head-to-head in a game show-style showdown! Each contestant tries to prove their gun knowledge dominance. It's a wild ride of bids, bluffs, and banter—who will come out on top? Tune in to find out! Agency Brief AGENCY BRIEF: SHAYS' REBELLION  1780 – 1785: Economic Conditions Veterans' Pay: Paid in depreciated Continental currency/IOUs. State Policy: Massachusetts demands taxes in hard currency (gold/silver). The Debt: Boston merchants control state debt; courts aggressively foreclose on farms and imprison debtors. August – October 1786: Escalation Aug 29: 1,500 "Regulators" seize the Northampton courthouse to stop debtor trials. Sept: Armed shutdowns spread to Worcester, Concord, and Great Barrington. Captain Daniel Shays emerges as leader. Sept 26: Shays (600 men) vs. Gen. Shepard (militia) at Springfield Supreme Judicial Court. No fire exchanged; court adjourns. Oct 20: Continental Congress authorizes troops but lacks funds. MA passes Riot Act (arrests without bail). January 1787: The Private Army Jan 4: Gov. Bowdoin authorizes a private militia. Funding: 125 Boston merchants subscribe £6,000. Force: 3,000 mercenaries raised, led by Gen. Benjamin Lincoln. January 25, 1787: Springfield Arsenal (The Climax) Objective: Shays leads ~1,200 men to seize 7,000 muskets/cannons at the federal arsenal. Defense: Gen. Shepard (900 militia) defends the arsenal. The Engagement: Shepard fires artillery warning shots over rebels' heads. Rebels advance. Shepard fires grapeshot directly into the ranks. Casualties: 4 rebels dead, 20 wounded. Rebels flee without firing. February – June 1787: The Fallout Feb 4: Gen. Lincoln marches overnight through a blizzard to Petersham, surprising retreating rebels. 150 captured; Shays escapes to Vermont. Spring Election: Gov. Bowdoin is voted out in a landslide; John Hancock elected Governor. June: Hancock issues broad pardons. Legislature enacts debt moratoriums and lowers taxes. 1787 – 1791: Constitutional Impact May 1787: Constitutional Convention convenes; Washington/Madison cite Shays' Rebellion as proof the Articles of Confederation failed. 1788: Anti-Federalists demand a Bill of Rights to check the power of the proposed federal standing army. 1791: Second Amendment ratified. Modern Parallels Narrative: Veterans labeled "insurrectionists" for resisting economic policy. Tactics: Use of private capital to fund state enforcement when tax revenue failed. Legal Precedent: Establishing the "well-regulated militia" as a counter-balance to federal military power.   WLS is Lifestyle Jelly Roll and Gun Rights Jelly Roll wants his gun rights back to hunt after losing them for felonies. Deadpool Unleashed Dead pool Machine Head Introduces 94-Proof Bourbon Whiskey Machine Head has launched Shotgun Blast Whiskey, a 94-proof bourbon designed for fans who enjoy stronger spirits. This product aligns with the band's aggressive identity while remaining accessible as a traditional bourbon. The whiskey emphasizes classic bourbon flavors and is marketed as a lifestyle product, mirroring a trend of music collaborations in the spirits industry. Aaron's Alley Going Ballistic Manhunt Madness: Another Day, Another Gun Control Fail (no summary available) More Giffords Nonsense: Gun Control Before Facts (no summary available) When "Gun Control" Meets Reality: The Brown University Attack Details (no summary available) Gun Control: An Epic Fail at Bondi Beach (no summary available) "Legal Gun Ownership: The Unintended Target of Gun Control Fanatics" (no summary available) When Antique Gun Ownership Becomes a Crime: UK Cops Confiscate 129 Legal Firearms (no summary available) New Jersey's Carry Ban: Lawsuit Showdown or Just Another Dance with Gun Control? (no summary available) Traveling with NFA to get easier? Reviews ⭐⭐⭐⭐⭐ - from TwinDadARguy - Great show, been listening for about 4 or so years. Just heard the convo about Aaron's weird ability to pull interest from the fairer sex. You couldn't come up with a good word for it - I'm here to help. The perfect word is conFAUXdence. You're welcome.   ⭐⭐⭐⭐⭐ - from Devin K - Where is the damn squares button!? Love this show and all the antics that come along with it. Lever action debate that would be fun to listen too. What's your favorite lever action caliber for whitetail hunting? What would be the one you would take if you needed to defend that SSB. #171, #fuckthethumb.   ⭐⭐⭐⭐⭐ - from System AI - A review and comparison to bring us all back to Dungeon Crawler Carl. Let's pair each cast member to a Character from DCC. First, Shawn, obviously he's Carl. He's the main character. He's powerful. He's the reason we are all here. There may or may not be a Cat that led him here. He likely has someone obsessed with his feet and definitely only has heart boxers on behind his desk. Second, Aaron, he's Prepotene. Smart and powerful. Sometimes on the team, sometimes in the way, sometimes nowhere to be seen. Probably rides a Goat. Screams nonsense from time to time. Would be dead without the rest of the team. Third, Jeremy. Jeremy is Quasar. Swears constantly Hates the leader/rulers of the galaxy and game. Is there everytime we need him. Will likely be the reason the rest end up in a prison. Fourth, Savage. He's JuiceBox. Extremely smart. AI generated. Self aware. Playing the same game but may have a different motive. Likely to lead to the downfall of the show. Last, Nick. Nick is Samantha. Much more powerful then he's willing to let on. Always growing in power. A very important member to keep the show running. Would be dangerous if all his organs worked correctly. And Shawn has definitely been inside him. These comparisons can not be altered. Debate will result in acceleration. Thanks for your attention to this matter. Signed, Gary/System AI. #nonotes   Before we let you go - Join Gun Owners of America   Tell your friends about the show and get backstage access by joining the Gun Cult at theguncult.com.   No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence, you can contact the suicide prevention line by dialing 988 from your phone. Remember - Always prefer Dangerous Freedom over peaceful slavery. We'll see you next time!   Nick - @busbuiltsystems | Bus Built Systems Jeremy - @ret_actual | Rivers Edge Tactical Aaron - @machinegun_moses Savage - @savage1r Shawn - @dangerousfreedomyt | @camorado.cam | Camorado

Die Themen: Aiwanger fordert mehr Drohnen-Abwehr in Bayern; Ukraine-Gipfel in Berlin; Der Held von Bondi Beach; CSU fordert Hymnenpflicht bei Zeugnisverleihungen; Neuer Fahrplan der Bahn tritt in Kraft; Die schlechteste Serie der Welt und glückliche Tierfreunde wie Berti Vogts Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/ApokalypseundFilterkaffee

Die Themen von Florian Gregorzyk & Minh Thu Tran am 15.12.25: (00:00:00) Handball WM-Finale: Warum das deutsche Team trotz Niederlage krass stolz sein kann. (00:01:49) Anschlag auf jüdisches Fest in Sydney: Wie die Gemeinde jetzt zusammenhält und was man über die Täter weiß. (00:05:55) Ukraine-Gespräche in Berlin: Welche Fortschritte es in den Friedensverhandlungen geben könnte und wie sich Russland dazu verhalten könnte. (00:09:20) Neuer Fahrplan der Deutschen Bahn: Was die Bahn verspricht und ob sie das überhaupt einhalten kann. (00:14:03) 🎁 Unser Adventskalender: Hinter Türchen Nummer 15 versteckt sich die gute Nachricht Leon Windscheid vom Podcast “Betreutes Fühlen”. Habt ihr Fragen oder Feedback? Schickt uns gerne eine Sprachnachricht an 0151 15071635 oder schreibt uns an 0630@wdr.de – kommt auch gern in unseren WhatsApp-Channel: https://1.ard.de/0630-bei-Whatsapp Von 0630.

【Vol.433】ドイツ鉄道（DB）は遅延が多い。簡単には解決できない状況と、その理由は？ The post 【PodcastVol.433】ドイツ鉄道（DB）は遅延が多い。簡単には解決できない状況と、その理由は？ first appeared on 株式会社 国際不動産エージェント.

It's episode 600 of the podcast, not that we're doing much to mark that milestone! We have some excellent questions today, taking in retirement planning, getting a mortgage if you have a new business and how flexible ISAs work! Shownotes: https://meaningfulmoney.tv/QA35  02:43  Question 1 Hi Pete, I'm a single household, due to pay my mortgage off in my early 50's….I have very little savings and pensions are everywhere and been 'balanced fund choices' as I either do self employed work or fixed term contracts. I'm really concerned I won't have 'enough' to retire.  Where do I start to know how much I need? I don't have an extreme fancy lifestyle but want to live comfortably with running a car, having a nice home and having a holiday every few years. I would also like to help my siblings out if possible when they need it. Also for your business…..have you thought of making it an 'employee owned trust' in the future?  This could be a good option if you don't want it swallowed up by larger organisations and want to keep a people focussed culture. Thanks, Anna 12:57  Question 2 Hi Pete and Roger Recently discovered the podcast and it's been really helpful in getting my thoughts straight about future planning - thank you! My job gives me a DB pension that as it stands will give me £4617 per year at 67 - for every year I work that will go up by one 54th of my salary, (£57k) so £1055 annually if I stay at the same grade. Increased by cpi plus 1.5% annually at the moment; and by CPI only once in payment. I can exchange part of this for a lump sum when I take it but that's a decision for another day! I'm projected for full SP at 67 after another 2 years contributing. I have £30k in a pensionbee that I'm adding to £100 a month, and after listening to the podcast I have started an AJ Bell SIPP (vanguard lifestrategy 60% equity) which I'm adding £200 a month to. Also working on the cash ladder/emergency fund - currently just £5k in a cash ISA I am hoping to get this up as much as possible. After overpaying mortgage and contributing to PensionBee/SIPP I can save £200 in a good month. I am aiming to retire as soon as I possibly can after 60, when the kids will all be in their 20s. I am sure this seems impossible but might as well aim high!!! So my priority is to build for the years between 60 and 67. And leave something for the kids, eventually! So…my question!! I have an old tiny deferred DB pension that I can take at 60, £3461 lump plus £1153 per annum (no option to take either a smaller or larger lump sum). I can't trivially commute this due to the rules of the scheme. As it's deferred there are no other benefits eg death in service. Or,  I can take this now (age 53) with a reduction for early payment so it would be worth £3076 lump and £869 per annum.  The pension increases each year by CPI while deferred and also when it's in payment. Does it make sense to take now, and put lump and monthly payment into either mortgage, or SIPP,  or cash ISA? And if so which - SIPP gets me extra 25% from the gov as it's under pension recycling amount? But £3k off my mortgage now might be better. Cant get my head around the maths of this...but my gut feel is it would be working harder for me in my hand despite the fact I'd be taxed on the annual amount? I'd make sure that with my work and personal contributions I stay in 20% tax band and reclaim from HMRC when I do my tax return. Sarah  19:39  Question 3 Hi Pete and Roger, great show and love the new format to allow listeners to ask lots of questions. My question is around pension inheritance. When a person dies and passes a DC pension to a spouse or child, does the inheritance remain in the pension wrapper when it passes on or does it lose its pension wrapper status which allows the person inheriting to use the cash as they want without the pension restrictions? Many thanks, Kavi   26:04  Question 4 Hi Pete I've been watching your videos and listening to your podcasts for about two years now and I'll start by thanking you (and the youthful Mr Weeks) for the public service you provide outside your paying work.  I have what I think is a simple question, but I don't seem to be able to find a definitive answer on-line. I retired about this time two years ago at the age of 62 so I'm 64 now.  I have a DC pension in the form of a SIPP which is currently worth a little more than £600k.  I also have a similar amount in savings (some in cash, some in an S&S ISA).  I live on a combination of the income provided by the cash and the S&S ISA, plus a series of small UFPLSs taken roughly quarterly from my SIPP throughout the tax year. At this stage the SIPP withdrawals are relatively modest (totalling maybe 12k a year, of which of course 3k is tax free).  My intention is to continue doing the UFPLSs at roughly the same rate, possibly increasing a little as a result of inflation.  State pension will add another 12k or so to my annual income in 3 years so that will likely reduce the need to increase my SIPP withdrawals for a while.  My SIPP is currently growing faster than my rate of withdrawal. I understand that the maximum tax free cash I can have out of my pension in my lifetime (under current legislation) is £268,275 and obviously at my current withdrawal rate, I'm not getting to that total anytime soon.  However if I've understood the rules correctly (and I may not have), I think my ability to have tax free cash once I reach the age of 75 goes away.  If that's true, presumably I need to crystallise my SIPP pot just before I reach age 75, taking a quarter of it or my remaining LSA (whichever is smaller) as a tax free lump sum, at which point the remainder turns into an entirely taxable (crystallised) draw down pot?  Alternatively, have I completely misunderstood what happens at age 75 and I can continue to do UFPLSs (with 25% tax free) until the cows come home, or I reach the LSA, whichever is sooner? I don't think it's relevant to my question above but just for background, I have a wife who inherits everything if she survives me, or a few nieces and nephews and charities that benefit if she doesn't.  We have no children of our own. Keep up the good work gentlemen. Regards, Robert   31:05  Question 5 Hi Pete My son, who has never been a saver (apart from workplace pension) and never seems to have any spare money (single dad, renter) is in the process of going self employed with a colleague. If all goes well, he has a chance to make a reasonable income, not be hand to mouth and periodically take lump sums as a company director. E. G £5k to £10k starting in a couple of years. My question is not about the viability of the business but this business will open up the prospect of my mid 30's son, David, owning a house while I am alive. As in, building up a deposit as dividends are paid. It may take several years and then, I assume, he would have to go through the pain of a self employed mortgage. An area that I know nothing about. In effect, he is just starting out, but we would be really interested in your thoughts about the longer term aim of buying a house. Many thanks again for your wonderful books and podcasts Helen   37:55  Question 6 Hi Pete & Roger, I continue to recommend your podcast to others.  Please keep up the excellent work.  My question is on the process of using flexible Cash ISAs.  I cannot find any worked examples online and a few IFAs I have approached suggested kicking back the question to the ISA provider but I would appreciate your thoughts. My wife and I have £200k in flexible cash isas.  We plan on using these funds for a house purchase.  Should I reduce the balance to zero, can I top the ISA back up to the full £200k provided the money goes in and out of a 'flexible' cash isa (and is within the same tax year)?  I would be in a position to do this following the sale of some investment property.. And the second part of the question would be can the money move freely between a stocks and shares isa and a flexible cash isa eg £200k in a flexible cash isa moved into a stocks and shares isa > then back to the flexible cash isa. We are both higher-rate tax payers and I won't drop a tax bracket in retirement so I feel the ISAs are the most useful savings bucket we hold. Take care and all the best. Stuart  

How does autism interact with sex and pleasure? From sensory distractions to overstimulation to routines, DB breaks down how to get the most pleasure out of sex if you're autistic, including scripts for how to talk to your partner(s) -- and how to be a better partner to autistic folks! Check out the Organization for Autism Research's Sex Ed for Self-Advocates guide ABOUT SEASON 13 Season 13 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. CONNECT WITH USInstagram: @sexedwithdbpodcast TikTok: @sexedwithdbThreads: @sexedwithdbpodcast X: @sexedwithdbYouTube: Sex Ed with DB SEX ED WITH DB SEASON 13 SPONSORS Uberlube, Magic Wand, and LELO. Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 13 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Producer and Growth Marketing Manager: Wil Williams (they/them) Social Media Content Creator: Iva Markicevic Daley (she/her) MUSIC Intro theme music: Hook Sounds Background music: Bright State by Ketsa Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa. Thank you Ketsa!

In this episode, Steve welcomes author Drew Beeson to discuss his books about D.B. Cooper, the Zodiac Killer, and the Yuba County 5. Find Drew online: https://drewbeesonbooks.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

The Pittsburgh Steelers are coming off a huge Week 14 win over the Baltimore Ravens in Baltimore, and it has fans feeling good once again. It also makes some ask the question, "Fire who?" That's the topic of conversation on the latest G'Day Steelers Nation podcast with host Marky D and special guest DB. This podcast is a part of the Steel Curtain Network, a proud member of the Fans First Sports Network. For a limited time, visit AuraFrames.com and get $35 off Aura's best-selling Carver Mat frames by using promo code STEELCURTAIN at checkout. Check out our exclusive 20% off deals with Hyper Natural, Big Fork Brands, and Strong Coffee Company HERE Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Kelsie interviews DB, a sex educator who uses her platform to share comprehensive sex education with people. Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Let's get into it!Find Sex Ed with DB at: https://www.sexedwithdb.com/ Check out these resources she recommends: AMAZE: https://www.youtube.com/c/amazeorg Planned Parenthood: https://www.plannedparenthood.org/ What's new at RHP?RHP is hosting a Winter Institute in Boston this January 29-31.All RHP Teaching Resources can be found at https://www.remedialherstory.com/learn.html#/ Host: Kelsie Eckert and Brooke SullivanEditor: Tyler CardwellProducer: Haley Brook

A confrontation with the Hexcloak Commander, whose ominous air suggests dire motives. A conversation with the living god of metal, whose curious mind pries into their own. A conflict with an ancient draconic mole, whose thunderous anger threatens the city of chains. Antistrophe Landrace, Bronte Adelvys, and Caoimhe Wake have faced all of this and more during their stay in Cenn. And yet, for now, they've remained to help the city—now blocked off from the rest of the world by a massive sphere of pure iron—as it rebuilds from the dragon's earth-shaking attack. A city as great as Cenn can recover, but it needs more than time. People need healing. Structures need mending. Fearful spirits need to be calmed.  But mysteries abound. Where is Kley Kaina? What is the sourcerot? How are the hexcloaks involved? Lost, they turn to a pair of surprising allies. Johnny Cakes and Jimmy Cones. Mango Chili Chutney. Pineapple Basil. Matcha Sesame Brittle. Mango Habanero. Lavender Lemonade. Coconut Lime Sorbet. Lemon Basil Sorbet. Beetroot Ginger Swirl. These are the leading flavors of Cakes and Cones Ice Cream this year. Sold and delivered across Cenn by the Dessert Brothers' team of noble White Caps, whose confectionary comportment gives them access to the lowest of gutters and the highest halls of power. Perhaps these ice cream boys will have the perspective that team ABC needs to crack their investigation wide open. Or, perhaps, the clue is closer than that, mixed in with the dairy and the fruit and the flavor extract and the sugar, buried in the tasty, tasty cream itself.  This week on Perpetua: In Too Deep 01 Perpetua Guide [In Progress v.055] Some Feedback [Page 25 of 27] Doom_Tree_Anne What do you think every party member's favorite flavor of Ice Cream is? Personally, I think Veile likes Mango Chili Chutney and Elena likes Mango Habanero. For obvious reasons. CarlsJr The best flavor is chocolate. Doom_Tree_Anne But chocolate isn't on the list of available flavors from the Desert Bros., which is actually FASCINATING because of the lore implications. It suggests one of two things is true: Either the people of Cenn (or perhaps the Elevana League, or even the whole Eastern Continent) don't have a taste for it (which is hard to believe!), OR they don't have access to the cacao plant, which would mean no chocolate. In fact, the inclusion of TWO mango flavors might suggest that the flora of Perpetua is more closely tied to that of the Indian Subcontinent and the rest of Southeast Asia. I visited my grandmother in Indonesia when I was on summer break between high school and college, and she had a HUGE mango tree in her back yard! XxZelgadyskXx That's really cool Anne, but remember, Elena did mention chocolate in the marshmallow scene! :3  Anyway, I think Antistrophe probably likes the Matcha one. I haven't had it, but I looked it up and it looks green and healthy, and he seems like someone who takes care of his body in that way. And I think Jonathan would do the Pineapple Basil. I don't know why, I just do.  TheUnforgivenIII Sorry Doomtree, we don't really have a good answer for this. Maybe if Nei actually kept this FAQ updated like it was SUPPOSED TO BE then we'd know what all the flavors do and what the the best ones are for each character. TheDiamondRanger I read in a preview that all the flavors get randomized when you start the game, so that doesn't make sense. Alukard83 I think that's only for Nicky's abilities. Anyway, Bronte likes the most expensive flavor for sure. And I think Unforgiven doesn't like getting any dessert at all because he's always so rude! Hosted by Austin Walker (austinwalker.bsky.social) Featuring Janine Hawkins (@bleatingheart), Sylvi Bullet (@sylvibullet), and Keith J Carberry (@keithjcarberry) Produced by Ali Acampora Music by Jack de Quidt (available on bandcamp) Cover Art by Ben McEntee (https://linktr.ee/benmce.art) With thanks to Amelia Renee, Arthur B., Aster Maragos, Bill Kaszubski, Cassie Jones, Clark, DB, Daniel Laloggia, Diana Crowley, Edwin Adelsberger, Emrys, Greg Cobb, Ian O'Dea, Ian Urbina, Irina A., Jack Shirai, Jake Strang, Katie Diekhaus, Ken George, Konisforce, Kristina Harris Esq, L Tantivy, Lawson Coleman, Mark Conner, Mike & Ruby, Muna A, Nat Knight, Olive Perry, Quinn Pollock, Robert Lasica, Shawn Drape, Shawn Hall, Summer Rose, TeganEden, Thomas Whitney, Voi, chocoube, deepFlaw, fen, & weakmint This episode was made with support from listeners like you! To support us, you can go to friendsatthetable.cash.

What a government crackdown on VPNs would look like, malware groups play the long game with browser extensions, a new major version of FreeBSD is released, and using a single database vs one DB per application or VM. Plugs Support us on patreon and get an ad-free RSS feed with early episodes sometimes ZFS Enabled Disaster Recovery for Virtualization News/discussion The VPN panic is only getting started Stealthy browser extensions waited years before infecting 4.3M Chrome, Edge users with backdoors and spyware FreeBSD 15.0-RELEASE Announcement Free consulting We were asked about using a single database vs one DB per application or VM. See our contact page for ways to get in touch.

What a government crackdown on VPNs would look like, malware groups play the long game with browser extensions, a new major version of FreeBSD is released, and using a single database vs one DB per application or VM. Plugs Support us on patreon and get an ad-free RSS feed with early episodes sometimes ZFS Enabled Disaster Recovery for Virtualization News/discussion The VPN panic is only getting started Stealthy browser extensions waited years before infecting 4.3M Chrome, Edge users with backdoors and spyware FreeBSD 15.0-RELEASE Announcement Free consulting We were asked about using a single database vs one DB per application or VM. See our contact page for ways to get in touch.

Most women think programming is: pick a muscle, pick an exercise, add weight, repeat. But girl... that's not programming. That's a to-do list in Lycra. And it won't help you build a bod you love. In this EP – Part Two of my Programming Miniseries – I take you BTS of how I actually build training for my Warriors. Not random workouts. Not “glute day” and “arm day.” Real programming – that sits at the intersection of biomechanics, stress, and adaptation and is tailored to your body. I walk you through my Programming Umbrella (biomechanics, technique, load management), show you how I filter your exercises so they're actually doing what you think they're doing, and break down real case studies like shoulder and SI pain. You'll leave this EP understanding why you're programming isn't working – and what has to change in your training if you actually want to get stronger, build muscle, and stop getting injured. If you've ever tried to write your own program and gotten stuck… or followed someone else's plan and wondered why your back hurts and nothing changes – this one is for you girl. Key takeaways Programming ≠ coaching - A program is just sets, reps, and exercises. Coaching is the ongoing process of reading your body, adjusting exercise selection, managing load, and giving you feedback so you can execute at the standard required for real results. You're not a computer – you're a human - I can “write” a program for you, but your body will constantly give me feedback: niggles, pain, execution, fatigue, recovery. Good training responds to that feedback. You program a computer. You coach a human. The Programming Umbrella: the three prongs I use for every Warrior (biomechanics, technique and load management). Exercise “SEO”: the new game for exercise selection - Old way: muscle + modality (“quads + barbell back squat”). New way: movement quality → primary muscle → secondary muscle → length–tension → modality → constraints → stability demands → intent. This is how I filter the right exercise for your bod instead of just picking from a menu of “leg exercises.” Long vs short moment arms matter. Real examples: how I think about common exercises (walking lunge, Db row, landmine strict press) How I structure your training week Case studies: shoulder pain & SI / low back pain My progression hierarchy Why mentorship matters (and why the industry frustrates me) Powerful quotes from the episode “You program a computer. You coach a human. A PDF with sets and reps is not coaching.” “Programming sits at the intersection of biomechanics, stress, and adaptation. If those three aren't aligned, your body will not change the way you want it to.” “The exercise isn't the stimulus. The joint action under load is the stimulus.” “Most women are following programs that aren't biomechanically accurate and aren't aligned with their body. That's why you don't get stronger. That's why you keep getting injured.” “Progressive overload is not ‘just add weight.' It's more tension, in the right position, with better technique.” Connect with Amy & work together Apply for Warrior School Coaching - Build a strong, feminine bod with programming that actually respects your biomechanics and your life. Follow Amy on IG - @amykatebowe for training breakdowns, programming deep dives, and behind-the-scenes of Warrior School. The Warrior School Podcast - Subscribe, rate, and review to help more women find this work and transform how they train. Share this episode with a woman who's been “doing all the workouts” and still not seeing results – she needs to know she's not the problem. Her programming is. Play To Win — AUSTRALIA If you're in Australia (or want the excuse to fly in)…Play To Win is coming to Australia. A room full of women, training, strategy, physiology, identity, power.A live experience designed to change how you train — and who you are in the process. Details + tickets: https://warriorschool.co/play-to-win-live-australia/ THE WOMEN WHO TRAIN SURVEY Is this you? A woman in her 40s who's doing all the right things — lifting, walking, fuelling — but still not seeing the strength, shape, or confidence you expected because you're not sure what the right thing is for your body, in the right way, at the right time? If yes, I'd love you to complete this short survey. Please complete the survey by December 14th '25 to go into the draw to win a 60-minute 1:1 Build Your 2026 Body Strategy Session with me — plus a limited-edition Warrior School sweater for one lucky runner-up. Link to survey https://amy639434.typeform.com/to/ciB5yQlH

C&R discuss the hard head of Jaxson Dart! Is the Giants QB a badass, fool, or both? They take calls from around the country & "Dr. DB" has injury updates. Plus, are you buying kicker Younghoe Koo's excuse? See omnystudio.com/listener for privacy information.

C&R debate if Giants QB Jaxson Dart is a badass, fool, or both?! They take calls from around the country & "Dr. DB" has injury updates. Are you buying kicker Younghoe Koo's excuse? "Best excuses in sports!" Rich has a basketball hypothetical that turns into a movie script. Plus, 'SHOWTIME MAHOMES TRIVIA' & 6 awesome NFL Wk 14 games that the crew try to hit a parlay on! See omnystudio.com/listener for privacy information.

Episode Notes Surprise! To celebrate International Day of Persons with Disabilities, I am releasing an episode of Sex Ed With DB where I am the guest. Here are the show notes from the lovely folks over there. Enjoy! Episode title: The Realities of Queer Disabled Sex and Pleasure with Andrew Gurza Episode show notes: People with disabilities can be hot! People with disabilities can be sexy! And people with disabilities DESERVE PLEASURE! In this episode, we breakdown disability and pleasure with the amazing Andrew Gurza -- and their conversation with DB takes some twists and turns that are so real, they're going to strike a chord whether or not you're disabled yourself. And don't forget: anyone can become disabled. You never know if or when this conversation might hit even closer to home. GUEST DETAILS Andrew Gurza is an award winning Disability Awareness Consultant and author of the book, Notes From a Queer Cripple: How to Cultivate Queer Disabled Joy (and be hot while doing it!). Andrew uses they/he pronouns and identifies proudly as severely disabled. He was the subject of an award winning National Film Board of Canada Documentary “Picture This”. Andrew has guested on a number of podcasts including Dan Savage's Savage Love. They have spoken all over the world on sex, disability and what it means to be a Queer Cripple. They were also a Production Consultant and Actor on the Queer As Folk reboot in 2022. FROM THIS EPISODE Learn about Judith Heumann , "mother of the Disability Rights movement" Our episode with Steve Wat abd Danny Kurtzman on GOOD BAD THINGS FREE STI TESTING AND REMINDERS! STIs are way more common than most people realize (over 2.2 million reported in 2024). And when it comes to notifying partners, the stress and awkwardness can be real. That's where KISS comes in -- the anonymous STI notification app that helps you track hookups, alert partners, and manage your sexual health without ever sharing your personal info. No shame. No awkward DMs. Just smarter, stigma-free sexual health care. You can set free testing + medication reminders, and if you upgrade to Premium, you'll get a full breakdown of your encounters, partners, and activities (yes, it's basically Spotify Wrapped for your sex life). Protecting yourself -- and others -- shouldn't be complicated. Download KISS and use code DBKISS for 50% off your first month of Premium.  ABOUT SEASON 13Season 13 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. CONNECT WITH USInstagram: @sexedwithdbpodcastTikTok: @sexedwithdbThreads: @sexedwithdbpodcastX: @sexedwithdbYouTube: Sex Ed with DB SEX ED WITH DB SEASON 13 SPONSORSUberlube, Magic Wand, and LELO.Get discounts on all of DB's favorite things here! GET IN TOUCHEmail: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALSCheck out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOWSex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. ASK AN ANONYMOUS SEX ED QUESTIONFill out our anonymous form to ask your sex ed question. SEASON 13 TEAMCreator, Host & Executive Producer: Danielle Bezalel (DB) (she/her)Producer and Growth Marketing Manager: Wil Williams (they/them)Social Media Content Creator: Iva Markicevic Daley (she/her) MUSICIntro theme music: Hook SoundsBackground music: Bright State by KetsaAd music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa. Thank you Ketsa! This podcast is powered by Pinecast.

We're getting into the groove of doing video podcasts now, and today we have another mixed bag of questions. They include the tax implications of moving abroad, whether to start a pension in your 60's, whether it's possible for a pension fund to be too big and lots more besides! Shownotes: https://meaningfulmoney.tv/QA34    01:24  Question 1 Hi Pete and Roger Thanks for the fantastic podcast, YouTube videos (and book) I have learnt so much. My question is essentially about whether to overpay my mortgage or invest. I have watched Pete's videos on this subject but just wanted to check if my situation changes anything. I'm a 41 year old Firefighter and I am in the Firefighters Pension Scheme. I am recently divorced and as such have had to start again with a 25 year mortgage currently fixed for 5 years at 4.1%. Essentially should I focus on overpaying this mortgage so that it is definitely paid off by the time I am 60 (When I can retire from the Fire service) as I already have the DB Firefighters Pension. Or would I still be better to invest this money in a stocks and shares ISA and use it to pay off the mortgage at a later date? My disposable income for whichever option would be around £200 a month. Lastly I will probably continue working past 60 yrs old but it may be in a different profession as by that age I may not feel like dragging hose and climbing ladders anymore! Thanks again, James   05:33  Question 2 Hi Pete and Roger, I've been listening to your brilliant podcast since COVID, so around 5 years now and always look forward to the new episode coming out. I don't really have a financial related question for you, more some advice... I've tried to educate my daughter on personal finance and I think she now has a good grasp and is interested in becoming a financial advisor. She is now 19, has decent A levels and has just completed an Art foundation course. She has University offers for September which she has deferred as she really doesn't want to go! We live in West Kent (nr Tunbridge Wells) and I've been looking for trainee, bottom of the rung, Financial advisor jobs for her but I can't seem to find anything. She could commute to London, if required but would rather stay local if possible. Do either of you have any suggestions about how she might be able to get into the industry? We're happy to pay for courses of that helps her but not sure what would be best. Sorry for the long email, any advice would be very gratefully received. All the best and keep up the great work Matt and Belle Hart   13:23  Question 3 Hello to Pete and Rog, Thanks for the podcast so far, my family is in a much sounder financial footing since I've started putting into action some of the basics you've spoken about previously. ISAs, pensions and insurance all ticking along nicely now - thanks to you! I have a question about my pension, is it possible to add too much? My thoughts are, if my pension pot in today's money is worth £1.25m when I retire, I can take the 250k tax free and £40k a year thereafter, anymore than this and I would be paying 40% tax on my drawings. Are there benefits I'm missing of having a larger pot (say £2m)? Not one I need to worry about yet, if at all, but it's always puzzled me! Many thanks for the content, keep up the good work and enjoy the sunshine this weekend! Adam   18:30  Question 4 Hi Pete & Rog, Have been a long time listener and have loved your double act with the self effacing banter alongside sound, sensible guidance on the minefield that personal finance can often seem to be. Listening whilst walking the dog is like chewing the fat down the pub with a couple of great friends, So my situation is this... 47 years old, married with two kids (11/14). Myself and my wife both have good jobs, own jointly (own names) 8 x BTL properties generating a profit. Equity in Portfolio is about £400k Portfolio was built to provide additional income and to support us in retirement (either the income or by selling) We have our own home (mortgaged) and are in the process of moving to a bigger place as we're growing out of where we are. This will come with a bigger mortgage as we're scaling up so to minimise the increase in monthly payments we're increasing the term back to our state retirement ages (which is a bit depressing!). So our ideal plan is to have the "choice" to semi retire / work as much or little as we want by age 57 - so around 10 years from now but we are not sure whether this is realistic and the best way to set things up to achieve it if it is. We would probably still work part-time beyond 57 but would want to have other sources of income that could support a comfortable lifestyle. To add to the complexity, but in a good way, I'm also in the process of changing jobs and the new job comes with a £20k pa pay rise and a matched pension at 6%. This is obviously lower than my current employers scheme but I plan to at least match what currently goes into my current employer pension one way or the other. So after what must be one of the longest pre-ambles you've ever read here are my question(s): In terms of where we are now do you think getting to a position where we have a choice to retire/semi retire in 10 years is realistic and what are the key things we should be doing now ten years out taking into account our circumstances? How would you approach the pension situation with my change of employer, my thought was to make contributions to my private pension to cover the overall reduction (9% matched to 6% matched) between employers so that I'm still putting in 18% overall. I think I may be able to put as much as I like into my new employers scheme though (but they'll only match 6%) so would this be a better option? In terms of our mortgage in 10 years it will still be around £350k so we would want to reduce this significantly or even pay off in full at that point. My thought was to sell 5-6 of the BTL's over 5 years leading up to age 57 to pay it down however this obviously reduces our passive income from the portfolio and we'd pay a chunk of CGT along the way. Are there any better ways of achieving the same result? I hope I haven't broken any rules around length of email and number of questions, I can only hope you'll treat this with your customary humour and patience! Keep up the great work guys. Best Regards, Nick 25:15  Question 5 Hello Pete and Roger -I'd like to say how your podcast has really helped me to focus on preparing for retirement ,so thank you . My question is I'm in my early 60,s I have 2 x Db pensions which will pay about £22000 Pa immediately if I choose , a full state pension at 67 and I have no mortgage and cash savings of £235000 half of which is in cash ISAs. My DB Pensions and state pension will be enough for my life style . I may move home next year hence the large cash savings and also because I recently divorced and that's how the settlement added to that figure. It was a coercive relationship and I'm so worried now I hold too much cash as I never had my own money to invest in a pension. Prior to the marriage and children I did work and pay into a pension which will provide half of the DB pension as stated earlier but that all stopped when I married. Should I start a personal pension now so close to retirement if I know I'll have spare cash to pay the max £3600 inc tax relief to take advantage of the tax relief and build up a pot not for income necessarily but for care home fees /inheritance tax costs for my two young adult children? Or shouldn't I worry? Many thanks for your help. Charlotte. 30:13  Question 6 Dear Pete and Rog, Thank you so much for your incredibly valuable podcast. I've learned a great deal from it and really appreciate the clarity and insight you bring to complex financial topics. Can't wait for the Youtube version to finally see what Rog looks like!  I had a question that I hope you might be able to shed some light on. My wife is from Slovakia, and we're likely to retire there in the future with our two children. I understand that capital gains tax and inheritance tax are both zero in Slovakia. However, I've read that UK-situs assets remain within the scope of UK inheritance tax even after leaving the UK, and that these would seem to include UK-domiciled OEICs such as the Vanguard LifeStrategy 100% fund, which I currently hold in a general investment account. Would it therefore make sense to consider switching from the LifeStrategy 100% UK domiciled fund to an Ireland-domiciled ETF such as the Vanguard FTSE All-World UCITS ETF (VWRP)? Would doing so resolve the issue of UK IHT exposure on those Situs assets? Or transferring the UK OEICs to a global investment platform, would that work (seems too easy to be true)? Any other tips to look into before making the big move abroad? Thank you very much again for your time, and for all the invaluable information you share! Please keep it going ! Best regards, John  

People with disabilities can be hot! People with disabilities can be sexy! And people with disabilities DESERVE PLEASURE! In this episode, we breakdown disability and pleasure with the amazing Andrew Gurza -- and their conversation with DB takes some twists and turns that are so real, they're going to strike a chord whether or not you're disabled yourself. And don't forget: anyone can become disabled. You never know if or when this conversation might hit even closer to home. GUEST DETAILS Andrew Gurza is an award winning Disability Awareness Consultant and author of the book, Notes From a Queer Cripple: How to Cultivate Queer Disabled Joy (and be hot while doing it!). Andrew uses they/he pronouns and identifies proudly as severely disabled. He was the subject of an award winning National Film Board of Canada Documentary "Picture This". Andrew has guested on a number of podcasts including Dan Savage's Savage Love. They have spoken all over the world on sex, disability and what it means to be a Queer Cripple. They were also a Production Consultant and Actor on the Queer As Folk reboot in 2022. FROM THIS EPISODE Learn about Judith Heumann, "mother of the Disability Rights movement" Our episode with Steve Wat abd Danny Kurtzman on GOOD BAD THINGS ANDREW GURZA'S FAVORITE SEX TOYS The Magic Wand Original The Slipskin Realistic Silicone Dildo - 9" at BVibe FREE STI TESTING AND REMINDERS! STIs are way more common than most people realize (over 2.2 million reported in 2024). And when it comes to notifying partners, the stress and awkwardness can be real. That's where KISS comes in -- the anonymous STI notification app that helps you track hookups, alert partners, and manage your sexual health without ever sharing your personal info. No shame. No awkward DMs. Just smarter, stigma-free sexual health care. You can set free testing + medication reminders, and if you upgrade to Premium, you'll get a full breakdown of your encounters, partners, and activities (yes, it's basically Spotify Wrapped for your sex life). Protecting yourself -- and others -- shouldn't be complicated. Download KISS and use code DBKISS for 50% off your first month of Premium.  ABOUT SEASON 13 Season 13 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. CONNECT WITH USInstagram: @sexedwithdbpodcast TikTok: @sexedwithdbThreads: @sexedwithdbpodcast X: @sexedwithdbYouTube: Sex Ed with DB SEX ED WITH DB SEASON 13 SPONSORS Uberlube, Magic Wand, and LELO. Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 13 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Producer and Growth Marketing Manager: Wil Williams (they/them) Social Media Content Creator: Iva Markicevic Daley (she/her) MUSIC Intro theme music: Hook Sounds Background music: Bright State by Ketsa Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa. Thank you Ketsa!

The Little Snail floats aboard Captain Hornbeam Hypostyle's Crystal Conch Express, strapped down to its large, open deck, cutting a boxy silhouette against the light of the horizon. Beautiful though it may be, it also sends a sharp signal to any ill-willed onlookers: There is cargo aboard! It is for this reason that Captain Hypostyle does not like to transport vehicles across the bay… This week on Perpetua: Aquatic Ambush! 02 Perpetua Guide [In Progress v.05] NPCs & Monsters [PNMS] Kay - Clay Crewman [NMKAY] Typical Traits: obedient, learning, gullible Stats: DEX 10, INS 6, MIG 10, WLP 6 Attacks: Arm Club, Clay Toss Special Abilities: Construct, Self-Repair In-Game Description: A strange, humanoid figure seemingly made from red-brown clay. No facial features, fine details, or clothing.  The Klaye Pirates are a group you'll get used to fighting if you end up doing a lot of sea travel in the game. They're like the main humanoid enemy group there. And the Kays are the lowest rank Klayes, so you'll fight them the most. The good news is they're really straight forward, especially since they're weak to fire. They're strong and fast physical damage dealers, and they can self-heal in a pinch, but that's about it.  Starter Tip: Their "self-repair" heal is really annoying! If you have one in crisis, it's worth knocking it out! (That's a good tip in general too: You almost always want to tackle one enemy at a time, so that you can reduce the incoming damage you're taking quicker! Don't spread your damage around. Focus wins fights!) Kel - Stony Sailor [NMKEL] Typical Traits: bold, carefree, salty Stats: DEX 8, INS 8, MIG 8, WLP 8 Attacks: Clay Cutlass, Flint Flintlock Special Abilities: Counterslash, Self-Repair+ In-Game Description: A humanoid made from clay, with baked-in sailor's garb. If the Kays are the Klaye Pirates low level grunts, I guess the Kels are sort of their average workhorse. Their Flintlock attack can target two of your party members each round, and their counterslash makes it a pain to do melee damage to them. The good news is that they're weak to bolt damage, so blast em from above and watch them break into little pieces! Starter Tip: As constructs, they're immune to poison damage (and the poisoned status) and resistant to earth damage! Don't waste your time, just smash 'em! Klaw - Muddy Mate [NMKLW] Typical Traits: ??? Stats: ??? Attacks: ??? Special Abilities: ??? In-Game Description: ??? I haven't actually fought one of these yet (so I haven't had the chance to do a study action on them), but one got added to the fight just before I escaped to Spillaway Peaks, so I saw the name. Anyone know what the deal is? Starter Tip: Kay, Kel, Klaw. What is up with these names? Hosted by Austin Walker (austinwalker.bsky.social) Featuring Ali Acampora (ali-online.bsky.social), Art Martinez-Tebbel (amtebbel.bsky.social), Jack de Quidt (notquitereal.bsky.social), and Andrew Lee Swan (swandre3000.bsky.social) Produced by Ali Acampora Music by Jack de Quidt (available on bandcamp) Cover Art by Ben McEntee (https://linktr.ee/benmce.art) With thanks to Amelia Renee, Arthur B., Aster Maragos, Bill Kaszubski, Cassie Jones, Clark, DB, Daniel Laloggia, Diana Crowley, Edwin Adelsberger, Emrys, Greg Cobb, Ian O'Dea, Ian Urbina, Irina A., Jack Shirai, Jake Strang, Katie Diekhaus, Ken George, Konisforce, Kristina Harris Esq, L Tantivy, Lawson Coleman, Mark Conner, Mike & Ruby, Muna A, Nat Knight, Olive Perry, Quinn Pollock, Robert Lasica, Shawn Drape, Shawn Hall, Summer Rose, TeganEden, Thomas Whitney, Voi, chocoube, deepFlaw, fen, & weakmint This episode was made with support from listeners like you! To support us, you can go to friendsatthetable.cash.  

In this episode, we feature two conversations that highlight PWL's culture, values, and intentional approach to advice. We first sit down with Trevor Daigle and Brett Watt, founders of EB Wealth in Halifax, to talk about why they chose to merge their thriving independent practice with PWL — PWL's first acquisition in Atlantic Canada. Trevor and Brett open up about what they saw in PWL's infrastructure, culture, and client-first philosophy, the internal hurdles they had to clear (including their own egos), and the moment they realized they "couldn't unsee" what PWL had built. Then, in the second half of the episode, PWL Portfolio Manager and Financial Planner Phil Briggs walks us through a remarkable real-world case. A podcast listener's father decided to take the commuted value of his defined benefit pension… and the family approached PWL to invest it. Rather than simply execute the plan, Phil stepped back to rigorously analyze whether that decision made sense at all. The result is one of the most compelling demonstrations of evidence-based financial planning we've featured on the show — covering risk pooling, tax implications, Monte Carlo results, survivor benefits, and the emotional side of decision-making. Key Points From This Episode: (0:00:51) Welcoming Trevor and Brett — and why their practice, EB Wealth, aligned so closely with PWL's holistic philosophy. (0:02:30) How long-term cultural fit, infrastructure, and research depth drove their decision to join PWL. (0:04:57) "We can't unsee that": The moment a visit to Ottawa convinced them PWL's values were real at every level. (0:07:45) Their biggest concern: giving up control after years of running an independent practice — and how that shifted. (0:09:43) Setting aside ego: How thinking long-term and client-first changed their perspective on joining PWL. (0:11:35) What excites them most about the future: growth, learning, and being surrounded by experts who prioritize client outcomes. (0:13:17) Seeing PWL's collaborative culture in action — and why industry-typical "sales meetings" were nowhere to be found. (0:14:43) Transitioning clients and feeling the immediate impact on conversations and relationships. (15:05) The setup: A podcast listener reaches out after his father already decided to take the commuted value of a DB pension. (17:25) Why Phil was surprised — and the questions he wanted answered before talking about investing. (17:25–18:49) The benefits of staying in a DB pension: risk transfer, inflation protection, and mortality pooling. (19:07) The risks: employer insolvency, underfunding, and historical examples like Sears Canada and Nortel. (20:10–22:04) Evaluating pension solvency: sponsors, surplus status, funding ratios, diversification, and regulatory filings. (23:49) Reasons someone might take the commuted value: investment preferences, life expectancy concerns, and survivor benefits — the central issue in this case. (25:15–30:52) The tax trap: how the "excess amount" of a commuted value can trigger immediate taxation — in this case at the 53.53% marginal rate — and how RRSP room and PARs interact. (31:26–33:53) Modeling the decision: building retirement scenarios in financial planning software, including spending, inflation, CPP/OAS, rental income, and Monte Carlo analysis. (34:00–37:54) Results: 60/40 investment after commuting: overfunded plan but with significant volatility. 100% equity: higher legacy, similar failure rate. Leaving the pension with the employer: similar retirement score but dramatically higher Monte Carlo success (96%) due to guaranteed income, inflation hedging, and tax smoothing. (38:32–40:55) Why the pension's stable income floor and deferred taxation made such a big difference — even in a shortened-life-expectancy scenario. (41:05–41:37) Other firms simply accepted the commuted-value plan; PWL was the only firm to fully analyze the decision. (43:50–44:53) How personal values, risks, and emotional comfort interact with data in real financial planning decisions. (45:00–47:28) The next decision: choosing between a higher pension with a 2/3 survivor benefit or a lower pension with a 100% survivor benefit — and how break-even analysis (age 81) informed the client's choice. (47:44–48:31) Why planning software provides clarity people can't get through gut feel alone. (48:31–49:59) Trust and incentives: why turning down a large investable sum was the right decision — and why PWL celebrates that. (50:08–51:01) Culture + incentives: how PWL's structure allows advisors to prioritize clients without sales pressure. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Ben Wilson on LinkedIn — https://www.linkedin.com/in/ben-wilson/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Join Jay Gunkelman, QEEGD (the man who has analyzed over 500,000 brain scans), Dr. Mari Swingle (author of i-Minds), and host Pete Jansons for another no-BS NeuroNoodle episode diving deep into neuroscience, psychology, and brain training.✅ Topic 1 Explained: Overlapping reward/inhibit filters are safe because of 3 dB roll-off – 12 Hz can exist in both without confusion; always match the patient's real SMR (some have 10 Hz!)✅ Topic 2 Deep Dive: Essential tremor & movement disorders stem from thalamocortical dysrhythmia – neurofeedback quiets ANS, trains SMR, and reduces tremor amplitude✅ Topic 3 Insights: Narcissism shows distinct frontal EEG patterns from early attachment failure – very different from ADHD forgetfulness or autistic cue-blindness✅ Additional Topics

Send us a textA chaotic overtime win over Arizona shows both sides of this team: careless turnovers and ice-cold clutch throws. We weigh late-game analytics, celebrate a key return on offense, and map the most interesting playoff path Jacksonville has seen in years.• Wildcard position improving with many winnable games ahead• Trevor Lawrence volatility and late-game efficiency• Breakdown of Lawrence's picks and the coverage adjustments he saw• Brenton Strange's return opening the middle of the field• Parker Washington's chemistry and special teams impact• Defensive pressure spike, DB blitzes, and front improvements• Coaching aggression on fourth down and clock nuances• AFC playoff matchups to target and avoid• Titans preview and trap-game risk managementUse the promo code Touchdown Jaguars on SeatGeek to save $20 on your first eligible SeatGeek purchaseDon't forget to like, share, and give the podcast five stars on your podcast playerTouchdown Jaguars Linktree James Johnson and Phil Barrera bring you the best and most up to date Jacksonville Jaguars news. "Touchdown Jaguars!" is a tribute to the prospective ownership group "Touchdown Jacksonville!" In 1991, the NFL announced plans to add two expansion teams and "Touchdown Jacksonville!" announced its bid for a team, and Jacksonville was ultimately chosen as one of five finalists. In November 1993, the NFL owners voted 26–2 in favor of awarding the 30th franchise to Jacksonville. James and Phil have been fans of the franchise ever since and have had the honor (and sometimes dishonor) of covering the team professionally since 2017. The rest as they say, is history.

Send us a textAnother LAK prospect, winger Jared Wright makes his KOTP debut!Also:A power play game winning goal at home? It's true and DB doesn't think the LAK PP is THAT bad. Fans should expect low-scoring games as part of the team's DNA.Kings are in the thick of the Pacific Division race.Lineup changes are crucial for optimizing player performance.Defensive pairings are flexible and may change based on game situations.Jacob Moverare is an unsung hero for the Kings' defense.You can find us on X/Twitter at @kingsofthepod

Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have questions about paying school fees, becoming a financial adviser, how to invest an inheritance and lots more! Shownotes: https://meaningfulmoney.tv/QA33    01:15  Question 1 Good morning Pete & Roger, Thank you for a great podcast, been really enjoying it over the years and it's been no end of help for me. My question concerns my grandchild. She was born in America but now lives in the UK, is duel nationality. As grandparents we were hoping to put money aside into a savings account for her. Now obviously we thought the JISA but as she is born in America we can't do that.  Is there any advice for how we can save for her in the most tax efficient way for her, conscious that she is quite young. If we can put some money away now regularly, it could build up into a nice little nest egg for her.  Also hoping to do this for other grandchildren, not necessarily born in America.   Any advice gratefully received. Mike. 05:48  Question 2 Hello Pete & Rog Wow these Q&As just keep delivering incredible value -keep up the great work!   I'm 52 and my wife is 43. We're both higher-rate taxpayers contributing to a DB-DC hybrid via salary sacrifice. We'd like to retire together in 12 years (me at 64, my wife at 55—she has a protected pension age). We both have a DB pension and a DC pension. Combined we have emergency fund of £30k in Cash ISA, no S&S ISA. Observations: - Once both DB & State Pension are in payment pay, planned spending of £60k p.a. is fully covered. - My ability to draw DC within the basic-rate band post-State Pension is limited, as DB 33k p.a. - My wife has much more scope to use her DC tax-efficiently before her DB/State Pension start. - Likely outcome: large residual DC balances if we only withdraw what's needed to spend. Question: Would it be sensible to draw more from DCs early (using UFPLS at ~15% effective tax) and reinvest the surplus in S&S ISAs? This could: - Lock in withdrawals at basic-rate tax before DB/State Pension restrict allowances - Reduce the chance of paying higher-rate tax later - Diversify across ISAs (which we intentionally lack currently) Am I letting the "tax tail wag the investment dog," or is this just  pragmatic tax-efficient planning? Cheers, Dunc   09:05  Question 3 Hi, Thank you both for your financial wisdom! It has definitely lit a fire under me! My husband and I (41) would like financial independence at 50. We have received £120k early inheritance gift and also plan to sell 2 rental properties over the next 5 years to reduce commitments (a further approximate £250k post CGT) We are mortgage free and I have since filled our stocks and shares LISA and ISA, investing in 100% equity low cost global trackers. Other than investing the remaining in a GIA and transferring to ISAs each year are there any other options to help money grow over the next 9 years. We may continue to work at 50 but under our terms. We need sufficient to tide us over from 50-57 when we can consider access to Pensions and the LISA at 60. Thanks Amy 12:18  Question 4 Dear Pete & Roger, Thank you so much for all the work you do on YouTube, on the Website and on the Podcast, it really does make a difference to people's lives and long may it continue! I'm 36 years of age, and I currently work as an Aircraft Technician, which I somewhat enjoy. However I find the older I get, the harder it is to keep up with the physically demanding nature of the job, and fear this may become more of an issue further down the line. This has prompted me to think about my future employment. Engineering has been my whole life, and my curiosity for learning and my persistent quest for personal development has resulted in me becoming a fully qualified Car Mechanic and Aircraft Technician. I have also achieved a BSc (Hons) in Motorsport Engineering & Design! However, my race car days are over, and in a way I feel like I have "completed engineering" to the best of my ability, and I am eager to take on a new challenge! I have always been interested in finance (some would say I talk about nothing else!). I've always kept on top of my own personal finance (thanks to yourselves), and try to encourage/empower others to take control of theirs. The past few months I have been thinking of self-studying (whilst remaining in my current employment) for the AAT Level 2+3 in Accountancy, however the more I think about it perhaps Financial Planning is more my cup of tea? I love working with numbers, working with and helping people, planning for the future etc, however I worry I lack the necessary confidence and people skills to become a successful advisor. So I guess my questions are: 1. How do you become a Regulated Financial Planner? 2. Is it possible to self-study for the CII Level 4 in Regulated Financial Planning whilst remaining in employment? Or would you advise against this?  3. Are there any pre-requisites to studying for the CII L4 in RFP?  4. Would an Accountancy role be more suited to someone who does not possess great people/communication skills? 5. Could a RFP qualification open doors to work in industry as a FP&A as oppose to personal finance?  6. Anything else you wish to add for clarity?  Both your opinions are highly regarded. Keep up the great work! Kind Regards, Tom 23:55  Question 5 To the wonderful Pete and Rog I am a long time listener with my husband .  the podcast and videos have been invaluable in developing our understanding of personal finance  - translating complex issues into an accessible format so that people like me can get to grips is a real skill and thank you sincerely! My husband and I are 53 and have quite late become parents to beautiful twin daughters who just started secondary school (and are learning how to slam doors and stamp feet... you know that age...) anyway back to us, we are both employed, my husband is a higher rate tax payer and I am on the lower rate band. Because of some specific issues with the kids development needs we have decided to prioritise their education and to put them in our local small independent school where there is excellent specific support for them.  They started in September and were paying £45k per annum.  just typing that number scares me! To support the fees we moved house and extended our mortgage.  This given us c100k for fees and alongside significant monthly savings out of our income (1.5k) has given us capacity to support the fees for the next three years, however it won't be enough to take them through to GCSEs. We're feeling weighed down by our mortgage which is now significant although supportable because of our salaries.  It leaves us very little capacity for savings or luxuries like holidays. We realise this is our choice! Up until this point we have been relatively disciplined paying into pensions.  My husband has DB pension scheme which will pay circa 50k a year from the age of 61 (he has been paying in since 21) and one of those good, connected DC pots which should have circa £350,000 in by 61.   the 350k can be used to provide the TFLS as it is connected to the DB scheme.  So, we know when my husband retires, we will have capacity to clear the current mortgage.  But this can only be accessed at 60+.  I have a smaller pot which is £180k currently.  I'm paying in £150 month which is as much as I can afford. We need to make a planning decision about how do we afford the 5 years of fees not just the next 3?  the decision is imminent as we have to renew our mortgage in the coming months.  We have we think two options (excluding selling a kidney or two). 1. To further extend the mortgage. This will mean we push back possibility of retirement even further and will certainly use up all £265k of TFLS from husbands pension.... and gives us a problem of repayments - further squeeze. or 2. we wondered whether we could use my pension fund? The idea we had was to use tax-free cash from my pension to support the fees. I will be 55 in November 2027 and we think we might be able to get c £50,000 to use as a TFLS. - Is the drawing my tax-free lump sum a real option? It feels like the only way we might access funds other than the mortgage. - what impact would that have on my pension does it mean I can't continue to contribute to the pot? - Finally, how might we evaluate the pros and cons of the two options? we suspect there is no right or wrong answer but if anyone can offer a few wise words it would be the dynamic duo - thank you're the best. Katherine 31:50  Question 6 Hi Pete and Roger I love this show. There's so much great information and it brings me comfort to know so many people are making similar decisions to me and I seem to be on the right path! My question is about property vs index funds. I am about to inherit about £100k and am wondering what to do with it. I invest in global index funds every month so would be comfortable DCA-ing (pound cost averaging) it in over a few months. But, I do not own a property. So, I could buy a 2-3 bed property in Kent with approx. £150k mortgage and rent out a room to take advantage of the rent-a-room scheme. I am fortunate that my job provides my accommodation so I do not pay ridiculous rent and so do not need a property. Would you choose index funds or property for growth over the next 10-15 years? I'm located in Kent. Thanks for sharing your thoughts. Ceara

We've got a great listener question this week: does having sex often -- and/or with many different partners -- actually make your vagina looser? Let's break into the science and bust some myths. Don't let purity culture get you down! And remember, you can email DB with your questions at sexedwithdb@gmail.com, and yours might be chosen for a future episode too! ABOUT SEASON 13 Season 13 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. CONNECT WITH USInstagram: @sexedwithdbpodcast TikTok: @sexedwithdbThreads: @sexedwithdbpodcast X: @sexedwithdbYouTube: Sex Ed with DB SEX ED WITH DB SEASON 13 SPONSORS Uberlube, Magic Wand, and LELO. Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 13 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Producer and Growth Marketing Manager: Wil Williams (they/them) Social Media Content Creator: Iva Markicevic Daley (she/her) MUSIC Intro theme music: Hook Sounds Background music: Bright State by Ketsa Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa. Thank you Ketsa!

Anything is possible as we welcome power pop icon Chris Stamey from the dB's as our Third Lad! Our focus topic is on the producers of the O3L era - the sonic architects that carry out the visions of the artists we love and shape the sound of our favorite records. And Chris Stamey is someone who knows, as he's produced some fantastic records over the years, including albums by Pylon, Whiskeytown, Le Tigre, The Butchies, Alejandro Escovedo, and many more. Of course, that's only scratching the surface of Chris's amazing 50 year career, from releasing one of the earliest DIY indie records (Sneakers) to playing with Alex Chilton in the late '70s to being one of the creative forces in the seminal, era-defining band the dB's, to his fruitful solo career, a radio play, a songwriting memoir, and working with over 100 artists including fellow dB and recent O3L guest Peter Holsapple, Yo La Tengo, Freedy Johnston, The Golden Palominos, and more recently with The Salt Collective and Jody Stephens' Big Star Quintet. We chat with Chris about his gorgeous new album, Anything Is Possible, the influence of Brian Wilson, Alex Chilton, Tin Pan Alley, and the Lemon Twigs, the essence of being Chris Stamey, and the enduring legacy of producers like Martin Hannett, Martin Rushent, John Leckie, Scott Litt, Mitch Easter, Joe Foster, Steve Albini, Rick Rubin, Gil Norton, John Fry, Chris Thomas, and more. During this episode, you will hear: Chris Stamey - "Anything Is Possible" Chris Stamey - "Meet Me In Midtown" The Salt Collective - "Last Day We're Young"  Thanks to Howard Wuelfing from Howlin' Wuelf Media for the introduction and coordination. Proud members of the Pantheon Podcasts family. Learn more about your ad choices. Visit megaphone.fm/adchoices

Corey Sings National Anthem: We look back many years ago to find Corey Feldman butchering the National Anthem. Also a few of Corey's first pitches at baseball games. Adrien Skye Interview: Adrien popped up on a podcast called Fascination Street to promote the Gothspel EP and of course Corey drops by with a BOMBSHELL. Star Wars Rapper: Ever wonder what Star Wars mixed with rap might be? Us neither. COREY FELDMAN!, SHOW STOPPER!, LET'S JUST TALK!, DON CHEADLE!, BOOGIE NIGHTS!, JIM AND THEM IS POP CULTURE!, EARLY GOONS!, VOICEMAILS!, UNHINGED!, SCHIZO!, DB!, PO BOX!, JESSE VENTURE!, THE BODY!, BAD CALLS!, HOME RUN!, TIPS!, DON WEST!, HOME SHOPPING!, COREY FELDMAN!, NATIONAL ANTHEM!, STAR SPANGLED BANNER!, SOFTBALL!, GOBLIN GHOUL MIND!, 94!, EARLY 2000S!, FIRST PITCH!, PERFORMANCE!, MINOR LEAGUE PERFORMANCE!, GOOF PERFORMANCE!, CRINGE!, COREY'S ANGELS!, COURTNEY!, FRIENDSHIP ARC!, ADRIEN SKYE!, RELIGIOUS!, HISTORY!, FAMILY!, GOTHSPEL!, AI!, ANIMATIONS!, STORY!, COBRAS!, TATTOOS!, DANCE EP!, DELAYED!, I'M DOWN!, PITTS OF HELL!, BETTER NOW!, THE SUBSTANCE!, HDM!, HUSK!, OLD LADY!, STEVE!, RAPPER!, STAR WARS!, DARTH VADER!, VAMPIRE BEATS TO STUDY TO!, AMBUSH VIN!, NERDCORE!  You can find the videos from this episode at our Discord RIGHT HERE!

Do you enjoy property management? It's often a thankless industry, and it's easy for property management business owners and their team members to become unhappy and burnt out. In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with Ashleigh Goodchild, the voice behind PM Collective, to explore what it really takes to build a property management career that you can enjoy. You'll Learn [01:06] Importance of Having Support  [08:01] Community-Led Learning for Property Managers [15:07] Structured Management vs. Random Leadership [21:36] People-Centric Property Management [32:41] Making the Invisible Visible Quotables "There's so much help available out there. And a lot of times we just don't ask as entrepreneurs." "The slowest path to growth is to do it alone." "A lot of people don't actually see what we do. And I think that's where you've got the opportunity." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Ashleigh Goodchild (00:00) Generally churn rate and loss rate for businesses can range anywhere between 15 and 30%. Our office is sitting at about 5%. we've got 1200 doors, to have that 5 % churn rate actually considered really great. Jason Hull - DoorGrow (00:05) Yeah. Welcome everybody. I am Jason Hull, the owner and founder of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. We've talked to thousands of property managers, helped them add hundreds of doors, help them increase profit, simplify operations, get themselves out of the business more and more. And we believe the good property managers can change the world and that property management is the ultimate high trust gateway to real estate deals, relationships and residual income. We are on a mission to transform property management business owners. and their businesses. want to transform the industry, eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. Now let's get into the show. So my guest today is Ashleigh Goodchild. Welcome. She's the voice behind PM Collective, the art of property management. together, we're going to explore what it really takes to build a property management career that you can enjoy covering the balance between structured management and random leadership, how to create workplaces people actually want to stay in, and Ashleigh's vision for a more human, less transactional industry. So Ashleigh, welcome to the show. Ashleigh Goodchild (01:35) Thank you so much for having me. Jason Hull - DoorGrow (01:37) So let's give us a little bit of background on you for those that don't know you yet, that maybe you're listening. How did you get into entrepreneurism? How did you get into doing what you're doing now? Give us some of the backstory. Ashleigh Goodchild (01:52) Yeah, so I started real estate back when I was 18 and like many people just falling into it and I was placed into an office that had a business owner, one was an air hostess and one was a pilot and really had no idea of how to run the business. So at that age of 18 and not knowing any better, I just jumped straight into the business and started helping them quite a lot. And then As I went on in my career, I then started my business, SoCo Realty, when I was 23. So I've had that business for 20 years and I've had a very blessed property management and business ownership life. I do say though that when I was 23 and when I started the business, I don't think it would have mattered what I was doing. It wasn't actually about the property management. It was actually probably about business ownership that I was drawn to. And I think I always say, even if I was a hairdresser at 23, it would have been a hairdresser shop that I opened up, just happened to be working in property management. So I've been running that and I've had a very blessed property management life. I always feel a little bit guilty when people talk about the roller coaster of their property management businesses, because I don't feel like I've had that. Or if I have, I sort of feel like maybe I just didn't sweat the small stuff. And so that led me into... Jason Hull - DoorGrow (02:50) Yeah. Yeah. Ashleigh Goodchild (03:10) running and founding PM Collective, which was bringing in a peer-to-peer mentorship and training Australia-wide where we run 200 coffee and conversations every year. And we really support each other in the industry just by that casual learning from each other. Jason Hull - DoorGrow (03:27) That's awesome. So they're getting together, hanging out with each other, sharing ideas, and you're kind of the facilitator in this. Ashleigh Goodchild (03:35) Yeah, we do it Australia wide. have loads of hosts around Australia. So other people like myself who want to give back. So it's a great opportunity for people to give back. We've actually run a couple over in the US as well. And we have just had one in New Zealand. So the idea is that it allows people in the industry who have been in for a long time, like I said, to give back to the industry and help the the younger ones that are coming in to really learn to enjoy the career as well. So it's really great. Jason Hull - DoorGrow (04:04) Yeah, you know, it's amazing how much help is available and how willing people are to help. Yeah, I'm reading a book right now by Simon Squibb, I believe is his name, something like that. And it's it's about like following your dream and having a dream. But he said he created an organization that. I guess over in the UK, but he created this organization that allowed people to either help. fun people's dreams or for people to get their dreams launched. And he said that they had way more people. He thought everybody would be wanting to get the dream and their own dream met. He said they had way more people offering to help those that had a dream. And so, and he was talking about how much help is available. So. There's so much help available out there. And a lot of times we just don't ask as entrepreneurs. know, there's this funny thing that when we start out as an entrepreneur, we've kind of come through this whole world where we're such a minority, because most people on the planet are not entrepreneurial currently. And so we get a lot of feedback that we're weird or that we're different or that we're strange. And so we learn to kind of isolate. We start to recognize, I'm different and there isn't a lot of help or support. which is kind of an inaccurate viewpoint, but we kind of view ourselves as an island. And then we start our journey as an entrepreneur and we usually think we're gonna do it all ourselves. We're gonna read the right books and watch YouTube videos and we wear it as a badge of honor. I'm gonna get this thing started and do it all alone. that's, as I say at the end of my podcast each episode, that's the slowest path to growth is to do it alone. Ashleigh Goodchild (05:40) I think as well, like we find that a lot of people are really great at their jobs. They're either, you know, great property managers, great BDMs, and they have people around them that say, you know, you're so good at what you do, you should go open up your own business. And I don't think people actually realize there is, it can be really hard to start your business. I mean, you've got the logistics side of things, but you just assume the phone's going to keep calling and start calling as soon as you're out on your own. Jason Hull - DoorGrow (06:02) Yeah. Ashleigh Goodchild (06:09) And I think that that's one of the biggest things that I see people underestimate. And so to be able to give them that support and not be forced to sell their business because it's just got too stressful. I've got one of my clients where she had her own property management business when she was in her twenties. And she ended up selling it because it was just too much to handle at that age. She didn't have the support, you know, 10, 15 years ago. Jason Hull - DoorGrow (06:14) Yeah. Yeah. Ashleigh Goodchild (06:36) And I remember her saying, I wish PM Collective was around because I wouldn't have sold my business. But now I can have the stamina for my business because I've got that support around me. So I think that that's where I'm seeing a really big gap. people who think, you know, people who are great at their job, which means that they think they're going to be great at business ownership, which is not always the case as well. Jason Hull - DoorGrow (06:57) Yeah, there's a great book on that exact subject. It's called the E-Myth, the E-Myth Revisited. And in this book, E is entrepreneur, it's entrepreneur myth. And basically the summary of the whole book is if you think you, if you've learned how to do the technician level work, you like you have learned how to bake really great cakes. The myth is that now you think, well, I could go start a business and start a bakery making cakes. But a business involves a lot more. A business involves marketing, sales, accounting, you know, a lot of different stuff that is outside the skill set of baking a cake. And so the same thing with property management. Some people are like, I've managed properties for a while, or I've done business development for a property management company, done sales for a while. And they think I could now go start a business doing this. And that's the technician level work. That's not the business ownership type of stuff. then that's where things get a little more difficult. Yeah. Ashleigh Goodchild (07:57) read that book it's actually a really great one for newbies in the business. Jason Hull - DoorGrow (08:01) Yeah, yeah. So yeah, I love that. So how does the PM collective work? How are you getting people together? How do you facilitate this? What does a typical meetup look like? How do you make these connections? Ashleigh Goodchild (08:13) Yeah, so we very much just have hosts that reach out to us and they see a gap in their location. And then they just give me, they have to give me three dates, times and locations. And I just set them up online for them. So it's relatively easy for the host. Everyone just rocks up. It's very, very casual. They grab their own coffee, they take a seat and the host is there just to sort of welcome everyone and sort of facilitate it to a certain point. We have the groups, they can range anywhere in size between four people to 20 people. And to be honest, even the groups of four, I find are so important because I find that the intimate conversations are so much stronger in those small groups and people really open up. And the conversation could be about anything. It could be about... certain products that we're using. might be about some subscriptions. It might be about what's currently not working, what demos we've had, what problems we've had. And I find in that smaller group, people definitely open up a lot more and get that real, really good support that they need. Sometimes it's we chat on a personal level. Again, that comes down to people that are personally happy, I believe make the best. employees and their best employers. And it's really important that we look after people's personal state and having those personal conversations and those opportunities to vent, think are incredibly important in that environment as well. And then we have a big mixture. So we've got some groups where we get a lot of BDMs come along, some where it's just the solo printers, some where it's the referring partners, they sort of just all find their own vibe. But one of the biggest things that has been really important is that consistency. So knowing the for the public to know that we're going to show up every single month at this location. And we're here if and when you need us. That consistency is really important. So really casual, you don't need to buy a ticket or anything like that. And I think that really what's made them successful though is that consistency. Jason Hull - DoorGrow (10:15) Got it. So is how does the PM collective have the bandwidth to facilitate this? How do you guys make money? How does that work? Ashleigh Goodchild (10:23) So we don't, we sort of run it as a bit of a not-for-profit, even though it's not registered as a not-for-profit. So the purpose is very much community-led learning. And I guess on a personal level, I run my own business, my own real estate business. So for me, that's my bread and butter, and this is really what's considered my passion project. So this is sort of more my legacy, I guess. And, you know, I've got the time and the energy. Jason Hull - DoorGrow (10:27) Okay. Ashleigh Goodchild (10:48) to and the love to do it. So that's what I do. We have got great sponsors who help support our podcast and cover the cost for the membership and things like that. And we've got a membership base, which would be say, I guess on the smaller medium size. And over time that will grow. But for now, the support is really where it's at and we're driven by that with no need. for any strong monetary value coming through at the moment. That might change in 10 years, but for now and the last five years, it's been perfect. Jason Hull - DoorGrow (11:19) Well, mean, it sounds like the people that are really giving to this community like yourself probably have some of the healthiest businesses because the people that are in over their head don't have time to go hang out or go to lunch or to meet up with people. so, you know, that, and that, you know, that allows people to come in that maybe they're are struggling to meet and hang out with people that are in a healthier place and kind of lend them a hand up. Right. So. Ashleigh Goodchild (11:32) No. It's interesting because in Australia, we've got what we call CPD points. don't know if you've got them, where they're like compulsory development points that you've got to do to hold your registration. and our events, they are not CPD registered, which means that people don't come along because they are coming because they just have to be registered and they just have to do so many points. They come because they actually want to come along. Jason Hull - DoorGrow (11:57) Okay. Yeah. Ashleigh Goodchild (12:12) And I think you'll find that that has made a massive difference with the vibe. Like we had an event the other night, because we sort of run the separate events as well. And, you know, everyone comes along, they're catching up, they haven't seen each other for a couple of months. And it really feels like someone's birthday party. But the important thing is that people are there because they want to, not because they're going to get a CPD point attached to it. And you really can feel that difference in the vibe. Jason Hull - DoorGrow (12:37) Got it. Okay, well, let's take, I'm gonna do a quick word from our sponsors. This will be relevant. If you are a property management business owner, you're tired of getting tangled up in numbers, KRS SmartBooks has your back. They specialize in property bookkeeping for small to mid-sized managers who'd rather focus on, well, managing. So with over 15 years of experience in real estate, accounting, they're pros in Appfolio Yardi and all the top property software. Trust them to make your monthly reports hassle free so you can get back to what really matters running your business. Head over to KRSbooks.com to book your free discovery call. And so maybe that'll help you have a little more time to get back to the property management community. All right. So back to what we were talking about, Ashleigh. I love, I love this idea. I love that you've facilitated this vehicle for everybody to get together. You just, resonate positivity and I'm sure that kind of sets the tone for the group that people are kind of attracted to. And I've been part of groups where the leaders are very positive and it's just a different category and group of people. There's a lot of people that are helpful, positive. I'm in masterminds like that. And then there's others where the leader is more kind of like a dictator cult leader and like, it's just a very different environment. And there's a lot of guilt and a lot of shame and stuff like this, right? and, I've been in some men's programs and things like that that were like that. And it's just, you know, it's a totally different environment. So you've created, and so this is really, I think a strong Testament to you. How many, how many people are involved in this throughout Australia and beyond. Ashleigh Goodchild (14:13) should know the answer to that and I don't. And I would probably say there would be around 20 hosts around Australia. So 20 people, have started having visionary leaders in each state and to help sort of help me control the states. But yeah, about 20 hosts. But then like I've got, for example, an audio summit coming up. Jason Hull - DoorGrow (14:21) Wow, OK. Yeah. Ashleigh Goodchild (14:37) And that's got 17 leaders in Australia doing an audio summit for me. And we're doing 17 days of tips and tricks. So there is a lot of people that make up all of this, a lot of other coaches and trainers that give their time and their knowledge as well to it. So it really is a big project. in total, I'd say there's probably about a good 40, 50 people from coaches, trainers, leaders. who facilitates some sort of knowledge base for me on all these events. So pretty lucky. Jason Hull - DoorGrow (15:07) So describe to me the difference between structured management and random leadership. Ashleigh Goodchild (15:13) Yeah, so that's something that I practice inside my real estate at SoCo. And one thing that I've learned from other people and other leaders is when we do, obviously you need structured management, in terms of processes and procedures and all of that, and that's fine. But when it comes to leadership, sort of what you talking before about the dictatorship, I feel like I probably practice servant leadership a lot more. practice servant leadership at SoCo, which is the real estate, and I practice servant leadership in PM Collective. And very much I do picture myself or feel that I'm a leader from the bottom and that you just tell me what you need and I will deliver it for you. So I do that both in PM Collective and SoCo. And that's where the support comes from. The random leadership, I think, has been something that has really helped me keep long term staff. I'm known in the industry for having a long term team. anywhere between sort of seven years and 15 years average for property managers, which is great. And one of the things I would say have helped me and I have to say I haven't done this on purpose. It's just the way that I've done it. And I now I reflect back on it. I can see how it's worked. And if we were to every single year, give our team a Christmas bonus every single year, they're going to expect that. And if one year you don't do it because you can't afford it or something's changed, people are going to start getting a little bit ticked off because it's like, where's my bonus? get one every year. And I think the same goes with the Jason Hull - DoorGrow (16:52) become expected.   Ashleigh Goodchild (16:54) very much expected. And I think when we start getting, creating expectations with our team, that's when we can start getting a little bit of conflict. And I've seen it in a lot of agencies. So where I, I, I think what I think works really well is things like we might as an office randomly buy someone a coffee, or we might just randomly say, Hey, let's go out for lunch, or randomly, we'll do a Christmas bonus randomly. We might shout everyone a voucher for a massage. All of those random things mean so much more to your staff and they appreciate it so much more. Even if it was that $5 coffee or that random walk or that random time that you're giving, I just find that that doesn't set up expectations and people appreciate those little things a lot more. And like I said, it's not something that I went and said to myself, this is how I'm gonna manage my team. It's something that I just did naturally, probably because I'm a little bit scatty and I probably was, you know, not very good at keeping things consistent. But now that I look back on it and I can see that that 100 % has played a massive part in creating a really healthy long-term team. Jason Hull - DoorGrow (18:07) Yeah, that makes a lot of sense. know, yeah, giving gifts means a lot more or giving experiences or doing things means a lot more than, you know, than just a bonus that they're expecting at the end of the year. And most people aren't actually money motivated. BDMs usually probably should be a little bit and maybe entrepreneurs, but that's the mistake entrepreneurs make is that we assume everybody else likes money as much as we do. A lot of times. And so we try to bonus people or reward people or motivate people with money. And a lot of times that backfires. And because most people aren't money motivated or money driven, know entrepreneurs listening right now are like, what? That makes no sense. I don't understand it, but yeah.   Ashleigh Goodchild (18:48) I think a lot of businesses as well, they try to manage their team by textbook and you know, the textbook says, we should give people their birthdays off or a textbook says we should, you know, we should do a bonus at Christmas or whatever it might be. But I think, you know, really getting to know each person and I know who in my team values me sitting down and talking to them and asking them how their weekend was. However, if I went and did that to someone else in the team. That'd be like, you just go away. I'm trying to work here. And I, I, I, yeah, I know what, what each person needs to be happy. One thing that I found more recently is that if your team can have a hobby, that is probably the biggest thing to create a happy team and hobbies prevent burnout. And I think that when we get a lot of people in the industry where all they do is work and family, work and family, they don't have anything in between. And so like one of my girls, she loves to play golf. She really young girl, 21 years old, plays golf semi-professionally. And she had asked whether she can start having some private coaching on Tuesday afternoons. So she was going to come in a few hours early. And I was like, absolutely no problems at all. Because if I give her that Tuesday afternoon off to go play golf, there's something else that she loves. I just find that, you know, people have to have other things they love just besides, yeah, besides the work and family. And that's something that I feel like I really try to encourage with everyone in industry is find a hobby if you're feeling stressed. And you know, and a hobby is not, you know, reading a book or something like that. It's actually like playing pickleball or netball or coaching a team or it's something specific. Jason Hull - DoorGrow (20:37) Got it. OK, so you're encouraging team members to have hobbies. And that allows them to maybe have a little bit more to bring to the table in terms of energy and life, it sounds like. Yeah. Ashleigh Goodchild (20:42) 100 % Yeah, yeah, it just allows them to enjoy enjoy work. And like I said before, you've got to have them they need to have a happy home life for them to perform well for your clients. It's really, really important. You can't, you can't have them having a tough personal life at all that's going to affect you and your clients. Jason Hull - DoorGrow (21:10) Got it. Yeah. Yeah. There's a, there's a really good book called giftology by John Rulin. And he talks about the benefit of giving gifts, gift giving, to basically for almost as marketing or do increase referrals or to increase retention. But the same thing applies to team members. These doing these random things, sounds like a really solid idea. And then also encouraging hobbies I think could be really beneficial. So, So explain your vision for a more human and less transactional industry. Ashleigh Goodchild (21:43) So in Australia, have starting to become quite reliant on our offshore staff and our offshore team. And I'm assuming that that's everywhere. Would that be the same with your businesses? Jason Hull - DoorGrow (21:55) Yeah. Yeah, I would say so. There's a lot of people that are hiring VAs in the Philippines or Mexico for sure. Ashleigh Goodchild (22:02) Yeah, I mean, and whether it's part of your business plan or not, you know, I fully respect that. But what we've found in businesses is that by passing on the transactional work to our offshore team, and transactional, mean, collecting the rent, arranging maintenance, sending out inspection letters, you know, all of that sort of admin tasks, we're finding that that's really not where the value of a property manager or business owner is anymore. Jason Hull - DoorGrow (22:19) Mm-hmm. Ashleigh Goodchild (22:31) And so what we need to do is to move our skillset into more of a consulting role. We currently have been doing for a number of couple of years and I teach this a lot to other officers is what we call an annual investor audit. So our annual investor audits, they are 30 minute consults with every client and we are going diving straight into all the holistic side of their property because we need to make sure as a business that our clients are emotionally well and financially well. If they're emotionally and financially well, they're going to keep their investment property. The minute that they're stressed and not making money is the minute that they sell. And obviously that's not what we want in the businesses. So to do that by checking in with them, we are talking to them about any red flags we see with their tenancy with their rent or their inspections.   Jason Hull - DoorGrow (23:10) Yeah. Ashleigh Goodchild (23:27) We're talking them through and helping them understand what level of maintenance is considered normal or excessive in their property. If they're not spending enough maintenance, we're talking to them about ideas they've got for future renovations. We're talking to them about what their mortgage rates doing, how are they feeling? Are they positively geared or negatively geared? Is there any circumstance that's coming up in the next 12 months that we should make a note of that might cause them a little bit of stress? We are... Talking about all of those things on a real conversational level and it allows us to pick up trends of what that client's plans are. Are they planning on building a portfolio? Are they planning on selling in six months? Are we going as an office to see a huge wave of clients starting to sell? Is that something we need to protect that, you know, as an asset in our business? And so when we start getting into that consultancy role, it's no different to your accountant organizing a tax planning meeting. you know, in April, for example, that's exactly what we're doing. And we are planting seeds for that client so that they're never surprised when we call them up to say, Hey, your rent's gone backwards, or you got to spend $10,000 on the property. And that has been incredible. It's not only been something that's helped our churn rate. Generally in Australia, churn rate and loss rate for businesses can range anywhere between sort of 15 and 30%. Our office is sitting at about 5%. For it so for a large, a large office with we've got 1200 doors, to have that sort of 5 % churn rate is is actually considered really great. And I do put that down to the annual investor audits. And in addition, though, it allows the business owner Jason Hull - DoorGrow (24:52) Yeah. Ashleigh Goodchild (25:10) to take control of their asset and not to have to maintain that relationship. Because at the end of the day, I'm very passionate about that that client is my client as the business owner. And I need to keep that relationship up. And if I put all of that responsibility onto the property manager and my property manager leaves, I've got a risk that that client is going to follow the property manager. So that's a little bit of my of the importance and responsibility I take as a business owner. So they have been an incredible game changer for retention, but it's also helped uncover new business opportunities because when we've done these for our clients, we've never sort of asked them, do you have any properties? But so many clients have actually said to us, that was so good. Can you do it for my other property? And I'm like, sure. Where's your other property? and got the address and we've subsequently got the business of the because the other agencies weren't doing it. So obviously over time, more offices will start doing it. But that's just a great example of elevating the human side of property management. And we started introducing these in our business, like I said, a couple of years ago, I now teach them to other agencies around Australia. And then as soon as we can get, you know, a really good percentage of businesses, all bringing these in as just a natural part of the business, then we will that's how we see the industry elevate. And then that's just going to be considered a normal thing like checking rent arrears. And so that's really my vision to, to bring in things like that. I've been trialing, I do a lot of like mirroring in the business. So I trial things in my business first. And if it works, I will put it out to the industry. the other trial that I did was, which actually didn't work. And, it was about, I had a junior property manager and we had a lot of clients that we were losing from, from fees from owners being fee driven. And I thought to myself a little bit like a hairdresser. You've got a junior apprentice to cut your hair. You've got a senior stylist or you've got the director. And I thought to myself, I'm actually going to do a fee schedule with a junior rate. So if you want to, if you're fee driven and you want a junior to look after your property with less than one year experience, this is the fee. And if you want a senior, this is the fee. Now I thought that everybody would jump at the junior fee schedule because everyone seemed to be fee driven. What was so interesting is I did this trial for 12 months and I probably had 3%, maybe 2 % of clients actually say, I'll go with the junior fee schedule. Every single person said, thanks, but I think I'll stick with a senior. And I think that that's a great example to showcase that investors do want the experience. They want the peace of mind. And we all thought they wanted cheap fee schedules, but when given the opportunity for the cheap fee schedule with a junior, they didn't take it. So I thought that that was a really good example. Yeah, I know. Jason Hull - DoorGrow (27:49) Mm-hmm. yeah. I could talk about that for an hour. We've tested a lot of stuff on pricing. Ashleigh Goodchild (28:10) But it was just a great test to do. I trialed it, it didn't work. So I've gone to the industry and I've said, given it ago, it hasn't worked. I'm now trialing a second option with fee schedules. And hopefully that works because I just feel like the industry needs to move just from the same fee schedules we've been doing for 20 years. It really is something that needs to be done there. So that's my next mission. Jason Hull - DoorGrow (28:14) Yeah. Yeah, I love it. I love the experimentation. So cool thing about my position is I get hundreds of guinea pigs. And so I do all sorts of testing. And so we could chat about some of that. We've done some fun stuff, but I love the idea of the annual investor audit. call those, we coach clients on that as well. We call those annual portfolio reviews and that's a great opportunity to get more referrals. great opportunity to get more reviews and testimonials. It's a great opportunity to create more connection with the client and to showcase what's invisible to them currently that you're actually doing work. And yeah, and it's going to significantly decrease churn. You mentioned churn maybe between on a lot of companies, maybe being between 15 to 30%. And if you're at 1200 units, I was doing math while you were talking, that would be between 180 to 360 units being lost each year. And so a lot of property managers don't pay attention to what's leaving and they think, well it's infrequent or they're selling their properties or whatever and they're not paying attention to that. They're so focused on how do I get more doors? And sometimes they're losing more doors than they're adding each year or they're just breaking even. And so they've been at the same spot for like a decade sometimes. And they're wondering, why does this feel like a grind? And they're not making progress. And sometimes you have to look at what you're losing and what's your level of service that you have there and how visible is what you're doing to your client? Because if it's not visible, they're going to assume, well, why do I even pay them? They're not doing anything. They're just collecting rent. Yeah. Ashleigh Goodchild (30:15) Yeah, it's like, I call it a, we've got a client success manager. And I think that that's a real missing part in a lot of businesses because we've got the BDM who brings in new business. We've got the property manager who maintains it, but the client success manager actually is what I call a BDM in reverse, because if they can prove your retention, that is growth. So therefore it is still a BDM role. Jason Hull - DoorGrow (30:21) Mm-hmm. Yes. Yeah. Ashleigh Goodchild (30:41) that you've got someone specifically for. So that's a real big missing part. And I think a lot of businesses when they don't have somebody specifically on that role. Jason Hull - DoorGrow (30:52) Yeah, I've been privy to see inside of a lot of different types of businesses and being in a lot of different masterminds. And one of the things that I've seen is that some of the most sales oriented organizations, like companies that they're focused on placing salespeople and hiring salespeople and stuff like this, they always have their best salespeople graduate to be on their client success team. is how they kind of position it. And they call that their second sales team. Because these are the people that get people to re-up or renew or continue on, or to bump up into a higher level program. so client success is your other sales team. their whole job is to decrease churn. Their whole job is to increase retention. So at DoorGrow our client success manager is my oldest daughter. And she does our client success. And she's got the personality for it. She's much more of a feeler than I am. She's much more about community than myself, right? I'm more of a logical thinker in a lot of instances. And so clients just love her. She does a great job. And so everybody should have client success. What's funny is in the property management industry, you hear the phrase property manager, but that's like this mystery sort of title that means a different thing to everybody you ask. And so for some of them, some people think their property manager is supposed to be a BDM also. I'm like, those are... probably different personality types. Some think they're the maintenance coordinator, but then they'll hire a maintenance coordinator and they call somebody else a property manager. so property managers also could be those client success people, the relationship builder. And so that's where it gets confusing is when we're, I hired a property manager. Well, okay, what are you having them do? I always have to ask because it's always different. So I don't know if you've noticed that in Australia, but. Ashleigh Goodchild (32:41) Yeah, and I think as well, like, I like what you mentioned before about how a lot of people don't actually see what we do. And I think that's where you've got the opportunity. Because I remember a long time ago, a client said to me, you know, wanting to negotiate on fees after a couple of years. And he said, you know, your job's easy, you don't, you know, the you don't have to do anything for your money. So therefore, you should reduce the fees. And I'm like, Jason Hull - DoorGrow (32:49) Yeah, it's invisible. Ashleigh Goodchild (33:07) Hold on a second, we've chosen a fantastic, perfect tenant. We do a lot in the background to make it look like we are managing it nice and easily and not creating any stress for you. Do you want me to create a problem tenant so it looks like that I'm doing work so that you can justify the fee? Because the fee is so, is reflective on you finding, it look like that we're having a very easy life. but that's taken a lot of skill and experience to do that. It's just so backwards, isn't it? That the way that they validate our fee, if we have got lots of problems and they think we're not worth our fee when we've got nothing to do and got a perfect tenant, which was the result of us putting it in the first place. Jason Hull - DoorGrow (33:34) Yeah. Yeah, I used to work in IT and one of the things I learned in doing IT and working on computers and networks is that if you make everything run perfectly, they wonder why they even pay you at all. And then I also noticed if there was a problem, they're like, why do we pay this person at all? There's now this problem with the network. so either way, couldn't win. So I learned I had to make the invisible visible. I had to tell them all the time, hey, I just updated this server. I just changed this. This has been improved. That's preventing these problems. And they're like, wow, Jason's on top of this. Jason's making everything run smooth. So I had to learn to be noisy. I worked at Hewlett Packard and I was in Boise, Idaho and I had a boss in Texas. And he would just look at our... he would message us all throughout the day through an instant message app or whatever. He would message us, what are you doing? What are you doing? And I was like, he can't see what we're doing. So I just started changing my status. I allowed you to put a little status, they use some Microsoft app, I can't remember Teams, I don't remember what it was. But I just would update it every day and I would say like throughout the day what I was working on in that moment. Updating this, working on this, doing this, and just what I was doing. And so then he started asking, what's your coworker? doing because we were a two person team that were over a big system. And he was like, what's what's what's Josh doing? Is he working? What's he? So he started to perceive that I was on top of things and working and this other person was lazy and not doing stuff. I'm like, no, he's working too. So yeah, but that's I sold, you know, we've translated that to helping clients make sure you're showcasing the invisible because they can't see it. Otherwise, you have to be noisy. And those annual reviews are a great opportunity to do that because you say Here's how many maintenance requests we've handled that you didn't have to deal with. Here's how much money has been collected. Here's the payouts that we've done to you. Here's all the stuff that we've been taking care of that's prevented you from having to deal with this. Here's how many calls we took. Here's how many tickets we handled. All these vanity metrics justify why they spend the money with you. So I love that you're reinforcing that idea. So for my clients listening. She said, and she's got 1200 doors, which is probably more than some of you. so Ashleigh, what do you feel like people are hearing your low churn rate besides the annual investor audits that you do and maybe having a client success manager. I don't, what, what do you feel like is really significantly reduced the churn rate down to 5%. I mean, that's significant in any business. Ashleigh Goodchild (36:25) Yeah, it would. You've got your audits, it would probably be I think myself being a director of the business who is 100 % active in property management and approachable is a really important word. Clients know that they can call me at any time they know that if one of my property managers is on leave, they can call me to handle anything that plays a massive part. And if I reflect on some of my clients, because we all get clients that, you know, maybe aren't happy with something or a little hiccup has happened, to know that my clients don't just silently leave and say, that happened, not happy, I'm gonna go find someone else. They always contact me first. I actually had one the other day to say, Ash, my property manager is really lovely, but I'm just feeling like I need someone with a bit more confidence. No problems at all. Let me move you to this person. The fact that they approach me first and give me the opportunity and know that they can call me to move them. I just take that with so much privilege because that doesn't happen in a lot of offices. If you're not approachable and your client would rather just leave the property, then bother coming to you because they don't think they're going to get heard. That's going to be a problem. So for me, that is massive. Jason Hull - DoorGrow (37:24) Yeah. Ashleigh Goodchild (37:46) And then probably the final thing, I think that our values really show through, through social media and my presence on social media, the fact that they know me on a personal level, they can see that I've got kids, they can see that I've done podcasts, they can see when I win awards, and embracing our clients on our journey and allowing them to see every part of me as a human being, I think is great. We do an annual an annual drive for a not-for-profit. support DB survivors quite a lot in our business and we promote philanthropic investing. And so the fact that we bring in our clients to be involved in that process by buying their clients, their tenants a hamper for Christmas to strengthen relationships has been a fantastic PR exercise with clients saying, you know, yes, please organize my 10 Christmas hamper and we're just so thankful to be aligned with a business like yours that supports, you know, good causes. It's those little things that I've probably played the biggest part in it, in their retention and client success. Jason Hull - DoorGrow (38:49) Love it. Yeah, I love that. A lot of property managers are so focused and business owners are so focused on thinking, what, how do I get more money? How do I take more instead of like the benefit of being involved in how much trust it would create to be involved in some sort of philanthropy or charity or something that's a bit more outward focus. And, and one of things we are really big on at DoorGrow is coaching our clients on finding a, in building out their client centered mission statement is figuring out. How do you make this vision bigger so that you're having a positive impact, not just for yourself, for the business, for your team, but maybe the community at large, maybe the industry at large? And what sort of impact and change do you want to see there and making that vision bigger? Because it allows you to attract team members that are inspired by a bigger vision, allows you to attract clients that resonate and are inspired by a bigger vision. And so you get better people all around. Ashleigh Goodchild (39:48) And it gives other people the opportunity to do good. And with our annual hamper drive, we did that last year. And all we did, we aligned ourselves with a not-for-profit hamper company, which is sort of like a by-product of one of the charities. And they support women getting back into the workforce. And so not-for-profit, we emailed all our clients and we said to our landlords, listen, if you've had a great year with your tenant, we would love to arrange a hamper on your behalf. It's $88. Jason Hull - DoorGrow (39:53) Yeah. Ashleigh Goodchild (40:16) and we'll take it from your rental income and we'll send it on behalf of you for Christmas. It's a great way to acknowledge you've had a great experience with your tenant and strengthen that relationship. And from that alone, just us doing OneDrive last year raised 14,287. And so this year we have now through PM Collective promoted that through other agencies to do the same. And I actually had an email from the CEO of the not-for-profit today and she said, Ash, I am just so excited to get these numbers back to you. We have had such a huge response from you and assitting against it. And I just can't wait to see what the figure will be because I know as an agency, we will do probably double and the fact that other agencies now will do good. It's just an example of the impact that we didn't realize we were having by giving our landlords the opportunity to do good, but then sharing that with other people to give them the opportunity for their clients to do good. It's just so wonderful on so many levels. And it's the same with our philanthropic investing. encourage owners who financially are able to rent out their home at a low market rate to a survivor of DV. Jason Hull - DoorGrow (41:19) Love it. Ashleigh Goodchild (41:29) to do it and you'll be surprised at how many people don't even know it's an option. It's not saying that it's right for every landlord, but there are so many landlords out there who have a vacant property and didn't even know that they could do this jump on board. yeah, giving those opportunities to people that didn't know that it was an option, I think is really great to see. Jason Hull - DoorGrow (41:50) Yeah, love it. mean, people want to feel good about themselves and, you know, being able to give gifts or being able to benefit others makes people feel good about themselves. And if you're giving your clients a chance to feel good about themselves, they're going to associate that with you. Yeah, that's beautiful. So, well, cool. I love all these different ideas and tips. think you've shared that. I love the idea of doing the annual portfolio reviews. love the idea of, you know, the Ashleigh Goodchild (42:04) Yeah. Yeah. Jason Hull - DoorGrow (42:18) charitable stuff, the philanthropy stuff. Love the idea of giving people a vehicle or some method to bypass the frontline staff person that they're assigned so that they can reach somebody that can maybe, if they want to complain about that, that team member or some, there's a, there's a gateway there or a vehicle there for them to do that rather than them just going, well, I guess I have to quit. I don't know. Yeah. So I love, I love these ideas. that I think anybody listening to this would benefit in decreased churn. Ashleigh Goodchild (42:40) Yeah. Jason Hull - DoorGrow (42:47) Well, Ashleigh, I appreciate you coming here on the show. How can people maybe get in touch with you or with your business or whatever you would like to share with others here in closing? Ashleigh Goodchild (42:58) Yeah, well, I mean, I'm very easy to Google. You can just Google Ashleigh Goodchild and hopefully find me there. But I am on Instagram and all the socials under PM Collective or under Ashleigh Goodchild. So I'd love to connect with anyone that finds me on those platforms. Jason Hull - DoorGrow (43:16) Perfect. All right, Ashleigh. We'll probably have to have you come talk to our clients sometime. I think that'd be fun. So, all right. Thank you, Ashleigh. Appreciate you coming here on the show. All right. So for those that are struggling in your property management business and you want to kind of get to that next level, make sure you reach out to us at doorgrow.com. We would love to facilitate or help you or see if we could help you with your business. Ashleigh Goodchild (43:21) Love them. Thanks for having me. Jason Hull - DoorGrow (43:41) If you felt stagnant for a while, also join our free Facebook, just for property management business owners at doorgrowclub.com And if you would like to get the best ideas and property management, join our free newsletter at doorgrow.com/subscribe And if you found this even a little bit helpful, don't forget to subscribe and leave us a review. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.  

Send us a textWhat if your hearing tech could tell who you want to hear—even while you're walking—and lift their voice above the crowd? We dive into Starkey Omega AI's DNN 360, a new approach that blends deep neural network noise management, intelligent directionality, and spatial awareness to make conversations stand out without turning the world into a dull hush. It's built for real life, not lab silence, and it targets the moments that frustrate most: busy cafés, echoey lobbies, and outdoor chatter where voices blur together.We break down how the system personalizes noise reduction using a model trained on speech, environmental sounds, and complex scenes, then pairs it with directionality that aims at the talker without collapsing the space around you. That balance yields measurable results—up to a 13 dB improvement in signal-to-noise ratio in diffuse noise and a reported 28% boost in speech understanding—while keeping listening natural and comfortable. The twist is motion: by integrating inertial measurement units, the device recognizes when your conversational partner is off to the side and adjusts focus as you move, solving the everyday mismatch between where you look and who you're hearing.We also explore spatial fidelity—minimizing interaural phase delays so your brain gets a stable, believable soundstage—because clarity isn't just about suppression, it's about preserving cues that help you separate sources. Together, these elements create a more effortless listening experience that adapts to your preferences instead of forcing you to adapt to it. If you care about hearing better in noise, you'll come away with a clear picture of how AI, directionality, and motion sensing can work in concert to reduce effort and raise understanding.Enjoyed the conversation? Follow the show, share this episode with someone who battles noisy rooms, and leave a quick review to tell us where hearing tech should go next.Connect with the Hearing Matters Podcast TeamEmail: hearingmatterspodcast@gmail.com Instagram: @hearing_matters_podcast Facebook: Hearing Matters Podcast

If we say: Making whoopee. Polishing the broomstick. The pickle tickle. Shagging. Enjoying Taco Tuesday. Parking the beef bus in Tuna Town. Waxing the carrot. Boinking. Glazing donuts. Going downtown. … I think you get what we mean (right?)This week, special guest Danielle probes the terrible scenario where ‘Doing Taxes' was more like actually filing financial paperwork than going for a roll in the hay. Meanwhile, Trace gets stuck in some kind of time loop (no groundhogs were harmed in the answering of this question).In case the above wasn't clear: This episode definitely acknowledges the existence of sex.QUESTIONSTrace: "What's the maximum number of times you could have déjà vu in a row before you'd get stuck in some kind of time loop?" from Danielle BezalelDanielle: "What if “doing taxes" wasn't fun (didn't feel good)?” from Constant ListenerDo you have an absurd question? Maybe it's a silly idea that popped into your head, a shower thought about the nature of reality, or a ridiculous musing about your favorite food? Whatever your question, we want to answer it—tell us!HOW TO ASK A QUESTION

This week, we're talking about how sexuality can be used to coerce people in cultlike settings, through the lens of Ellen Huet's new book EMPIRE OF ORGASM: Sex, Power, and the Downfall of a Wellness Cult. Ellen joins DB to talk about OneTaste, a for-profit wellness company that was hit with allegations of coercion, forced labor, and other abusive practices. Listen in for the story of how Ellen dove into this story as an investigative journalist -- including the time she came face-to-face with the alleged perpetrators she was covering. CONTENT WARNINGS In this episode, we discuss allegations of sexual assault, coersion, grooming tactics, cults. These topics will be present throughout the entire conversation, so if this is something that hits a little too close to home or is too heavy to dive into right now, please take care of yourself. ABOUT OUR GUESTEllen Huet is an investigative journalist for Bloomberg News and the author of EMPIRE OF ORGASM: Sex, Power, and the Downfall of a Wellness Cult, a book about the rise and fall of a wellness cult. She writes award-winning features for Bloomberg Businessweek magazine, has hosted two seasons of the podcast Foundering, and holds a particular interest in writing about strange and complex subcultures. Previously, she was a staff writer at Forbes and a crime reporter at the San Francisco Chronicle. She lives in the San Francisco Bay Area. ABOUT SEASON 13 Season 13 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. CONNECT WITH USInstagram: @sexedwithdbpodcast TikTok: @sexedwithdbThreads: @sexedwithdbpodcast X: @sexedwithdbYouTube: Sex Ed with DB SEX ED WITH DB SEASON 13 SPONSORS Uberlube, Magic Wand, and LELO. Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 13 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Producer and Growth Marketing Manager: Wil Williams (they/them) Social Media Content Creator: Iva Markicevic Daley (she/her) MUSIC Intro theme music: Hook Sounds Background music: Bright State by Ketsa Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa. Thank you Ketsa!

While the DB position has mainly been a bummer this year, it was nice to be reminded in Week 11 of just how good Kyle Hamilton can be. K-Ham is the headliner but Josh, Adam, and Bobby have a ton more to discuss in their Week 11 recap, including two studs from the team the Ravens beat, some LB injuries to keep an eye on, Daiyan Henley's poor play, the Sweaty Boyz, the rise of Cole Bishop, and much more.0:00 Welcome In3:23 Week 11 Headline11:34 LB Developments35:40 DL Developments1:04:57 DB DevelopmentsCheck out our brand-new, free IDP start/sit tool, powered by Mike Woellert's weekly projections: https://idpstartsit.com/Subscribe to our YouTube channel for our other shows, The IDP After Show and All IDP.If you'd like to support the show, you can do so for just $5/month over at ⁠theIDPshow.com⁠. We've got some premium features for paid supporters that we know you'll enjoy. Follow us on Twitter ⁠@theidpshow⁠. Thanks for listening!