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In this very different -- and very difficult -- episode, DB sits down with Mia Schachter of Consent Wizardry to talk all about consent. But what DB gets is not what she expected. Please note that this episode contains difficult and potentially triggering conversations around consent. This episode touches on discussions and experiences of consent violations, as well as a perspective that might trigger feelings or memories of victim blaming for some listeners. Be sure to listen through the Pleasure Preview and Afterglow of this episode, where DB talks about her perspectives on consent and this conversation, as well as giving some vital resources. Please do not seek out our guest from this episode for any form of harassment or criticism based on this episode or on behalf of Sex Ed with DB. Online or not, harassment, bullying, and dogpiling are never okay, and we don't condone it. This episode is an invitation for discussion and internalization -- not an invitation to discredit, disparage, or defame anyone involved. FROM THIS EPISODE The Planned Parenthood FRIES model of consent 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 Defenders — Philip K. Dick Story Humanity believes it wages endless war underground while robots fight above. When the truth surfaces, the machines reveal they have quietly preserved Earth—and manipulated humans into survival through comforting lies. Dick probes reality, trust, and whether salvation still counts if it's engineered deception. First appearance Published in Galaxy Science Fiction (1953). Author bio Philip K. Dick (1928–1982) was a visionary American science-fiction writer obsessed with reality, paranoia, authority, and false worlds. His work explores fragile identities and manufactured truths, influencing philosophy, cyberpunk, and countless films despite his chaotic, troubled life. Check out this link to buy DB's Books[link]
The Defenders — Philip K. Dick Story Humanity believes it wages endless war underground while robots fight above. When the truth surfaces, the machines reveal they have quietly preserved Earth—and manipulated humans into survival through comforting lies. Dick probes reality, trust, and whether salvation still counts if it's engineered deception. First appearance Published in Galaxy Science Fiction (1953). Author bio Philip K. Dick (1928–1982) was a visionary American science-fiction writer obsessed with reality, paranoia, authority, and false worlds. His work explores fragile identities and manufactured truths, influencing philosophy, cyberpunk, and countless films despite his chaotic, troubled life. Check out this link to buy DB's Books[link]
Breaking news during BMitch & Finlay that the Cowboys have cut the star DB - should Washington take a look, or is he definitely not a culture fit?
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 Coffin Cure — Alan E. Nourse Story A bleak medical future where burial becomes therapy. The “coffin cure” is a sanctioned psychological treatment—patients sealed away to shock them back into compliance. Nourse uses clinical calm to expose how medicine, stripped of empathy, can become ritualized cruelty dressed up as care. First appearance Published in April 1957 issue of Galaxy magazine. Author bio Alan E. Nourse (1928–1992) was both a physician and science-fiction writer. His fiction obsessively interrogates medicine, ethics, and institutional power, often predicting bioethical debates decades early with unsettling clarity and professional precision. Death Wish — Robert Sheckley Story A man casually wishes for death—and gets exactly what he asked for, via a perfectly legal, perfectly absurd system. Sheckley skewers consumer logic and bureaucratic literalism, showing how desire, once formalized and monetized, becomes a trap engineered to fulfill you to death. First appearance Published in the November 1952 issue of Galaxy Science Fiction. Author bio Robert Sheckley (1928–2005) was a master of satirical science fiction. Famous for short stories, he specialized in ironic twists, legalistic futures, and social systems that collapse under their own logic—funny, fast, and quietly savage. Check out this link to buy DB's Books[link]
The Coffin Cure — Alan E. Nourse Story A bleak medical future where burial becomes therapy. The “coffin cure” is a sanctioned psychological treatment—patients sealed away to shock them back into compliance. Nourse uses clinical calm to expose how medicine, stripped of empathy, can become ritualized cruelty dressed up as care. First appearance Published in April 1957 issue of Galaxy magazine. Author bio Alan E. Nourse (1928–1992) was both a physician and science-fiction writer. His fiction obsessively interrogates medicine, ethics, and institutional power, often predicting bioethical debates decades early with unsettling clarity and professional precision. Death Wish — Robert Sheckley Story A man casually wishes for death—and gets exactly what he asked for, via a perfectly legal, perfectly absurd system. Sheckley skewers consumer logic and bureaucratic literalism, showing how desire, once formalized and monetized, becomes a trap engineered to fulfill you to death. First appearance Published in the November 1952 issue of Galaxy Science Fiction. Author bio Robert Sheckley (1928–2005) was a master of satirical science fiction. Famous for short stories, he specialized in ironic twists, legalistic futures, and social systems that collapse under their own logic—funny, fast, and quietly savage. Check out this link to buy DB's Books[link]
Dave talks about ultraterrestrials. Check out this link to buy DB's Books[link]
Dave talks about ultraterrestrials. Check out this link to buy DB's Books[link]
Dave talks about the monsters in Cabin in the woods. Check out this link to buy DB's Books[link]
Dave talks about the monsters in Cabin in the woods. Check out this link to buy DB's Books[link]
Buiten koud en guur… maar in dB's is het warm en gezellig!De laatste De Loodzware Jongens show van dit jaar komt eraan! Met als gast: Subspectral uit de regio Alblasserdam/Rotterdam!Over Subspectral Subspectral is een Nederlandse prog-metal band die speelt met chunky riffs, verrassende ritmes en melodische passages — van zwaar en grof naar melodieus en dynamisch, zonder ooit het echte metal-gevoel los te laten. Hun debuutalbum I kreeg veel lof en werd regelmatig gedraaid op metal-zenders, maar nu is er een nieuwe tweede EP genaamd Drift. Dus genoeg te vertellen over wat de bandleden zoal bezielt om tot hier te komen en wat zijn de wensen voor hierna.
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/
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.
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.
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 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
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