Podcasts about DCS

In today's Down in the DM breakdown DCS talks to listeners about how they hooked up and debate wether its best to have love at first site or should you be friends first. 

In dieser Folge erwarten euch die News aus der Branche über die frisch eingetroffenen Elac 807 Concentro, über einen neuen Kopfhörerverstärker von Luxsin und Streamingkomponenten von Lumin. Dazu gibt es interessante Berichte aus den letzten Vorführungen, z.B. mit siegreichen Drachen, Vorstufenvergleichen von Accuphase und dCS und vielem mehr! Die Songs: Christian: Preservation Hall Jass Band - That's it Peter: Mike LeDonne, Eric Alexander, Jeremy Pelt - That's whats up Hier findet ihr die Playlisten zu unserem Podcast. Immer aktualisiert - einmal auf Qobuz und einmal auf Tidal: Qobuz: https://open.qobuz.com/playlist/13181317 Tidal: https://tidal.com/browse/playlist/794fc949-7d62-44d4-9c8c-3ede893e3a02

Annie McDonough, senior City Hall reporter at City & State New York, talks about Mayor Mamdani's plans for a Department of Community Safety to send social workers instead of police officers to respond to mental health crises.

Welcome back to WithSONAR! In this episode we're diving into Supply Chain Intelligence (SCI)—our shipper-focused network analysis tool designed to help you cut costs, reduce risk, and gain more control over your transportation network. What you'll learn in this episode: Where to find SCI in SONAR and how to get access A walkthrough of the Summary View with spend, market comparison, risk, and opportunity insights How to use the Network View to identify challenging DCs and priority markets Lane-level analysis with rate comparisons, lane scores, and market difficulty Multi-modal insights with intermodal volume trends (when available) Risk & efficiency quadrants to guide procurement and carrier strategy Exporting network and lane views for RFPs and custom analysis How SCI supports smarter decisions in fragile market conditions SCI is available as an add-on under Applications in SONAR. If you don't currently have access, reach out to your Account Manager to learn more. We also have exciting updates planned this year—if you're interested in joining our Shipper Consortium, we'd love to chat.

DCS is talking everything Super Bowl besides the actual game. From Halftime with Bad Bunny to the funny commercials and even the national anthem. DCS breaks down the big game. 

Welcome back to WithSONAR! In this episode we're diving into Supply Chain Intelligence (SCI)—our shipper-focused network analysis tool designed to help you cut costs, reduce risk, and gain more control over your transportation network. What you'll learn in this episode: Where to find SCI in SONAR and how to get access A walkthrough of the Summary View with spend, market comparison, risk, and opportunity insights How to use the Network View to identify challenging DCs and priority markets Lane-level analysis with rate comparisons, lane scores, and market difficulty Multi-modal insights with intermodal volume trends (when available) Risk & efficiency quadrants to guide procurement and carrier strategy Exporting network and lane views for RFPs and custom analysis How SCI supports smarter decisions in fragile market conditions SCI is available as an add-on under Applications in SONAR. If you don't currently have access, reach out to your Account Manager to learn more. We also have exciting updates planned this year—if you're interested in joining our Shipper Consortium, we'd love to chat.

Our guest on this week's episode is Jake Heldenberg, director of sales engineering, Warehouse Solutions, North America at Vanderlande. We are only a bit more than a month into 2026 and it is hoped that automation companies will see a glimmer of hope after a somewhat uneven 2025. Our guest today offers insight into the automation market and he shares trends and predictions for the remainder of the year.Finding and retaining warehouse talent is a challenge these days. However, this week, Gartner released research about what companies are doing to address that challenge—and they found that warehouse and distribution center leaders are focused on developing better employee engagement strategies. And “gamification” is at the top of the list. Victoria Kickham reports.This week, Ben Ames took a deep dive this week into retail logistics when he attended the Retail Industry Leaders Association (RILA) annual Link trade show, held in Orlando. That's a show where you have a lot of the nation's biggest shippers and biggest carriers, all packed into the same convention center to talk about the retail industry. And with all those interests side by side, you get some really interesting conversations. Ben shares about some of the more interesting things he heard affecting the retail industry.Supply Chain Xchange  also offers a podcast series called Supply Chain in the Fast Lane.  It is co-produced with the Council of Supply Chain Management Professionals. A new series is now available on Top Threats to our Supply Chains. It covers topics including Geopolitical Risks, Economic Instability, Cybersecurity Risks, Threats to energy and electric grids; Supplier Risks, and Transportation Disruptions  Go to your favorite podcast platform to subscribe and to listen to past and future episodes. The podcast is also available at www.thescxchange.com.Articles and resources mentioned in this episode:VanderlandeReport: 40% of large warehouses and DCs to adopt gamification tools by 2028Tractor Supply finds more speed with less automationVisit Supply Chain XchangeListen to CSCMP and Supply Chain Xchange's Supply Chain in the Fast Lane podcastSend feedback about this podcast to podcast@agilebme.comThis podcast episode is sponsored by: WernerOther linksAbout DC VELOCITYSubscribe to DC VELOCITYSign up for our FREE newslettersAdvertise with DC VELOCITY

DCS is talking dating when they couple has a big age difference! Plus DCS talks Otters invading America, houseguests and why Dana and Auto have been fighting. 

DCS is talking about an alarming skin care trend that's happening with kids on Tik Tok. Plus DCS talks the Grammys, spending money without telling your partner, and the new trend with hotels that Dana does not like at all. 

DCS is breaking down the best new shows for kids while getting nostalgic about all the shows they watched growing up. 

This hour we had an important conversation with the director of DCS.

You have to hear today's "Crazy Crime of Passion" story! A woman is saved by her ex husband but the twist in the story is gonna have you saying WTF! Plus DCS talks Bella Hadid's break up, embarrassing moments, and plays "Who's Lying" w/ a DCS listener. 

DCS is venting today! Both men and women are getting it! Plus DCS talks your keeping kids safe on the internet, a woman giving birth and she didn't know she was pregnant, and Kanye's written apology. 

Maybe you knew they had another person in your their life, maybe you didn't and you found out later. DCS hears from listeners that were that started as the side piece and it all worked out. Plus DCS talks to Seer Mari, hears what ASAP Rocky has to say about Rihanna and this weather!!!

DCS and listeners discuss a couple that is going through a tough time because he's spending money on adult internet sites. Plus DCS talks about the long term health benefits of getting married and Auto sings some iconic commercial jingles.

Somewhere in the multiverse, a cleric just whispered "I prepared Bless," and three dice immediately rolled higher out of pure fear. Because clerics aren't "the healbot," they're the divine Swiss Army knife: buffer, debuffer, front-liner, artillery, investigator, walking lie detector, and occasionally the person who politely asks a demon to leave and the demon actually does. Today we're building clerics from levels 1–10: how to pick your domain, what to prepare, how to stop wasting actions, and how to make your table say, "Wait… clerics can do that?" Show notes Cleric identity at levels 1–10: You're a full caster with armor, a strong action economy toolkit, and some of the best "party-wide value per spell slot" in the game. Choosing a Domain (Subclass) with intent What each domain wants to do in combat (frontline, blaster, controller, support, utility). How domain spells shape your "default prep list." The hidden question: "Do I want to solve problems with my action, my bonus action, or my reaction?" Ability scores and build priorities Wisdom as your engine (save DCs, prepared spells, key features). Constitution for concentration survivability. Strength vs Dexterity depending on armor and weapon plans. Armor, weapons, and "being accidentally hard to kill" Light/medium/heavy armor considerations. Shield math and when it's worth it. Weapon use: when it's a trap, when it's correct, and how cantrips change the calculus. Cantrips that actually matter Core combat cantrips (and why "I guess I'll swing my mace" is usually a cry for help). Utility cantrips that quietly win sessions. Spell preparation that doesn't make you cry Your "always-good" staples (buffs, heals, control, utility). How to prep for unknown adventuring days without over-prepping niche tools. Concentration discipline: the real cleric skill. Channel Divinity: use it early, use it often Turning Undead and its situational dominance. Domain Channel Divinity options as mid-tier power spikes. How Channel Divinity changes your "resource rhythm" between short rests. Level-by-level power spikes (1–10) L1: Domain + armor + Bless = "party performance enhancement plan" L2: Channel Divinity arrives (and suddenly your subclass has teeth) L3: 2nd-level spells broaden your problem-solving L5: 3rd-level spells are the "cleric becomes a headline" moment L6–8: subclass features + improved survivability + cantrip/weapon upgrades L9–10: 5th-level spells and consistent encounter impact Table role: how to be a cleric without becoming the babysitter Healing as a tool, not a lifestyle. Preventing damage and ending fights faster as the "real healing." Coordinating with your party so your buffs land where they matter. Key Takeaways  Start with your cleric job description Pick one primary role and one secondary role: Support/Buffer (primary) + Controller (secondary) Frontline (primary) + Support (secondary) Blaster (primary) + Utility/Support (secondary) Most clerics get in trouble when they try to be all of these every round. Concentration is your true hit point total A cleric who keeps concentration up is a force multiplier. A cleric who drops it every other round is a very polite person wearing armor. Practical habits: Don't stack concentration spells in your head like a wishlist—pick one plan per fight. Invest in Con saves/survivability decisions early. Position like you're important (because you are). Your "default fight plan" should fit on an index card Example templates: Support opener: Concentration buff → sustain/position → emergency heal only when it flips the encounter. Control opener: Concentration control → maintain distance/cover → punish clustering. Frontline opener: Concentration buff/control → stand where enemies hate it → force bad choices. Healing is strongest when it changes the math right now In-combat healing shines when it: Prevents an ally from going down before they lose their next turn, Buys a crucial round of actions, Keeps a key damage dealer online, Or pairs with control/positioning to stop the "down-up-down" cycle. Otherwise, healing between fights (and prevention during fights) is often more efficient. Domain spells and Channel Divinity are your build's "signature moves" If you're not using your domain's unique tools regularly, you may have picked a domain whose play pattern you don't actually enjoy. Levels 1–10 clerics win by being the most consistent person at the table You don't need perfect optimization to be great—clerics reward: Reliable concentration, Smart positioning, Prepared spells that solve common problems, And knowing when to spend resources to swing an encounter. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

Somewhere in the multiverse, a cleric just whispered "I prepared Bless," and three dice immediately rolled higher out of pure fear. Because clerics aren't "the healbot," they're the divine Swiss Army knife: buffer, debuffer, front-liner, artillery, investigator, walking lie detector, and occasionally the person who politely asks a demon to leave and the demon actually does. Today we're building clerics from levels 1–10: how to pick your domain, what to prepare, how to stop wasting actions, and how to make your table say, "Wait… clerics can do that?" Show notes Cleric identity at levels 1–10: You're a full caster with armor, a strong action economy toolkit, and some of the best "party-wide value per spell slot" in the game. Choosing a Domain (Subclass) with intent What each domain wants to do in combat (frontline, blaster, controller, support, utility). How domain spells shape your "default prep list." The hidden question: "Do I want to solve problems with my action, my bonus action, or my reaction?" Ability scores and build priorities Wisdom as your engine (save DCs, prepared spells, key features). Constitution for concentration survivability. Strength vs Dexterity depending on armor and weapon plans. Armor, weapons, and "being accidentally hard to kill" Light/medium/heavy armor considerations. Shield math and when it's worth it. Weapon use: when it's a trap, when it's correct, and how cantrips change the calculus. Cantrips that actually matter Core combat cantrips (and why "I guess I'll swing my mace" is usually a cry for help). Utility cantrips that quietly win sessions. Spell preparation that doesn't make you cry Your "always-good" staples (buffs, heals, control, utility). How to prep for unknown adventuring days without over-prepping niche tools. Concentration discipline: the real cleric skill. Channel Divinity: use it early, use it often Turning Undead and its situational dominance. Domain Channel Divinity options as mid-tier power spikes. How Channel Divinity changes your "resource rhythm" between short rests. Level-by-level power spikes (1–10) L1: Domain + armor + Bless = "party performance enhancement plan" L2: Channel Divinity arrives (and suddenly your subclass has teeth) L3: 2nd-level spells broaden your problem-solving L5: 3rd-level spells are the "cleric becomes a headline" moment L6–8: subclass features + improved survivability + cantrip/weapon upgrades L9–10: 5th-level spells and consistent encounter impact Table role: how to be a cleric without becoming the babysitter Healing as a tool, not a lifestyle. Preventing damage and ending fights faster as the "real healing." Coordinating with your party so your buffs land where they matter. Key Takeaways  Start with your cleric job description Pick one primary role and one secondary role: Support/Buffer (primary) + Controller (secondary) Frontline (primary) + Support (secondary) Blaster (primary) + Utility/Support (secondary) Most clerics get in trouble when they try to be all of these every round. Concentration is your true hit point total A cleric who keeps concentration up is a force multiplier. A cleric who drops it every other round is a very polite person wearing armor. Practical habits: Don't stack concentration spells in your head like a wishlist—pick one plan per fight. Invest in Con saves/survivability decisions early. Position like you're important (because you are). Your "default fight plan" should fit on an index card Example templates: Support opener: Concentration buff → sustain/position → emergency heal only when it flips the encounter. Control opener: Concentration control → maintain distance/cover → punish clustering. Frontline opener: Concentration buff/control → stand where enemies hate it → force bad choices. Healing is strongest when it changes the math right now In-combat healing shines when it: Prevents an ally from going down before they lose their next turn, Buys a crucial round of actions, Keeps a key damage dealer online, Or pairs with control/positioning to stop the "down-up-down" cycle. Otherwise, healing between fights (and prevention during fights) is often more efficient. Domain spells and Channel Divinity are your build's "signature moves" If you're not using your domain's unique tools regularly, you may have picked a domain whose play pattern you don't actually enjoy. Levels 1–10 clerics win by being the most consistent person at the table You don't need perfect optimization to be great—clerics reward: Reliable concentration, Smart positioning, Prepared spells that solve common problems, And knowing when to spend resources to swing an encounter. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

New HCs, OCs, DCs, why nobody wants Philly, and CG predictions

DCS discusses how you handle a break up/divorce when it comes to the kids. Plus DCS is talking the new J. Cole album!

It's another Meaningful Money Q&A, taking in the £100k tax trap, splitting pensions on divorce, safely switching investment platforms and much more! Shownotes: https://meaningfulmoney.tv/QA38    01:59  Question 1 Hi Roger and Pete, Long time listener, first time questioner. My wife and I have both earned in excess of £100k for a few years now, meaning I am acquiring a peculiar set of skills on the various ways to use pension contributions, rollover allowances, gift aids, etc to keep us both below the (entirely bananas) £100k cliff-edge each year. My question is on the £60k pension annual allowance. Does it only apply to the amount of pension savings in a given year which can be made without paying a tax charge, or does it also count as the maximum amount of pension deduction which can be taken to calculate net adjusted income as part of completing our tax returns? The (slightly over-simplified) situation in my mind is that if I earned £160,500 in a given year, I would prefer to pay £61k into a pension, thereby reducing my net adjusted income to £99,500 to stay below the cliff-edge, even if I had to pay 40% tax on the extra £1000 above the pension annual allowance. As a fun aside, I asked this to my preferred AI - and I leave a link to see if you agree with it's answer or not  - https://g.co/gemini/share/8c23e91cb658 Stephen 07:58  Question 2 Hello Pete & Roger Listen and enjoy all your podcasts regularly but every now and again you get one that addresses specific points to the individual listener. For me it was Podcast QA18. A really great podcast. 1. The 2015 changes to pensions made  significant differences to pensions and most financial experts have rightly advised using your pension as one of the best places to put savings. It does seem unfair that you plan your savings and pensions well in advance for retirement based on government rules. and then you you find you are likely to have a sizeable IHT bill. At 78 it is difficult to turn the ship around quickly. Many more people will be affected by this over the next decade. The main reason however for my question relates to ways to reducing the effects of this IHT change. The general allowances and the 7 year rule are all clear. However the main exemption that could help is the little used Gifts form Excess Income. I have read up as much as I can and the whole system seems rather vague and many things open to interpretation, even by financial experts. There is no clear and precise set of rules whereby you can be certain something is capital or income. Your executor will have to understand all this and have all the back up documentation to convince HMRC that the gifts are justified.  I do have excess income and spent significant time over the past weeks analysing all our expenditure and income sources ending up totally confused and with a severe migraine. Any advice on how best to handle this can of worms would be appreciated. 2) So many of us these days have children living in different countries with their families. All with different citizenship and residency situations in different countries. There seems to be very little information about  IHT and general tax issues in relation to gifts and inheritance of money and pensions for children and grandchildren in this situation.  Best regards, Peter   16:52  Question 3 Hello Roger and Pete, Thanks for a great series of podcasts. Some of them confirm what I already know and some give me insights, ideas and an understanding I didn't have. You provide a great service. My wife and I are 54 and 55. We are getting divorced. The divorce is amicable and we want to share everything evenly. I take home £5k/month and she takes home £2.3k. We will split this evenly as long as we both work. Our pension funds are not of equal value. I have DCs and SIPPs worth £800k and ISAs worth £100k. I also have a small DB pension that will pay out about £3k/year in today's money at age 67. My wife has a DC pension worth £210k and ISAs worth £220k. She has a DC pension that will pay about £2.5k/year in today's money at age 67. As you can see, the majority is in my name. This makes sense as I have worked whereas she has taken time off to raise our children. We have equal claim to the money in my mind. I think the ISAs are straight forward. We can balance the value by selling some of hers and investing more in my name. The DC pensions are more difficult. By right I should give her £295k to make them of equal value but how do we do this? We want to avoid expensive solicitors and accountants but are not sure if we can DIY this. Please share any advice you can give. Regards, Jay   25:43  Question 4 Hi Pete and Roger, Thanks so much for what you do with the podcast. It's completely changed my approach to my finances, especially over the last year which has felt even more important after the birth of my son. I have a question about investment platforms. I currently have about £70,000 invested in passive world index trackers via a platform. I estimate my total annual fees including fund and platform fees to be about 0.66% pa. I don't think this is terrible but I think it could be less. I'm considering transferring my investments (which is a mixture of stocks and shares ISA, LISA and (very small) SIPP) to a cheaper platform. Do you have an advice on the transfer process, especially in whether to transfer all the funds in one go or is there a strategy you'd recommend to avoid falling foul of market fluctuations? Thanks, Jack 30:47  Question 5 Hi Pete and Roger, You guys are the best. You've given me my only financial education. Never underestimate what a difference you are making to ordinary people's lives. THANK YOU. I am 42 years old saving into my workplace DC pension. I have a bit of a gap because I started late and then freelanced for a few years, so playing catch up, but thanks to you both, seeing the positives in this, rather than beating myself up. I am basing the 'gap' on not quite having 3x salary saved by age 42 - is that a decent rule of thumb? As you both say, arming people with knowledge can be a good thing and a bad thing, because armed with this new knowledge we can go off and overcomplicate things. I decided to pull my pension from the default fund and pick 6 funds. What's the best route for working out if I am paying too much in fees, if I have got too much crossover across funds, and if the more pricey ones are worth it?  Do I need to get financial advice or could I do this myself (being a complete layman obvs)?  Do you have any tips on the process of comparing, finding inefficiencies and consolidating? What's a reasonable number of funds would you say? 3? 1?  BTW I've done the same thing with my ISAs since they let us have more than one. How do you just pick one and stick with it, and not get distracted by the new shiny providers? It seems like newer, better products and platforms come out all the time. Or am I worrying unnecessarily and might it be ok to have fingers in many pies? Thanks again for all you do. Hayley 37:47  Question 6 Thanks for all the content, I listen to every episode and often share the pod with others to share the good word! My partner will soon be able to get her NHS pension. While we were looking at the numbers, I began to wonder whether there is any benefit in taking the maximum lump sum and investing it outside of the pension. My thinking was that she would probably be able to generate the same amount of income from investing it in the stock market, but that when she dies she will be able to pass the capital on, whereas her pension will just stop paying out. I think the maximum she can take is about £70k. Presumably she could put this in a GIA and feed it into an ISA over a few years, accepting that any gains in the GIA would be subject to tax. I just wondered if there were any other tax implications that I hadn't considered? If not, then presumably it's just a case of comparing the drop in the annual pension payment against the expected returns (after tax) from investing outside the pension? Would love to know your thoughts on this. Thanks again, and keep up the good work. Tim

Yes that FOREVER was in the voice of Squints from the Sandlot. DCS brings on a woman that has been married happily for the past 44 years and she's giving us all they keys to a great marriage. 

In today's "Down in the DM" breakdown DCS talks about a woman who is being left by her boyfriend because he doesn't feel right about her leaving her kids at her Moms all the time. 

In today's "Crazy Crime of Passion" story DCS talks about a woman who found out her man was cheating and decided to burn it all down. You have to hear this! 

DCS is talking addiction today. When does it just become to much to take any more? Plus DCS talks Lizzo in a swimsuit, asking for favors and eating plastic. 

Loaning out anything especially money can go badly, DCS has some stories to tell. Plus DCS is going to marry a couple that has been together for 15 years!

In today's "Crazy Crime of Passion" DCS breaks down a tragic 911 call made by the daughter of a couple fighting. DCS also plays "Who's Lying" with a listener and talks Kanye West's album Graduation. 

David and Ryan react to the 2026 schedule shake-up, then dig into Georgia State's new defensive setup with Cam Clark (Duke) and John Haneline (Youngstown State)—what co-DCs could mean on game day, recruiting, and identity. On the hardwood, they ask whether the Panthers are turning a corner after a 64-point second half and an 11-threes heater, and preview the home stand vs App State and Marshall (plus a lookahead to the NIU date). There's portal and NIL reality, a kicker heading SEC-ward, and the usual fan-experience notes—all wrapped in a “Schedule Bomb” kind of week.Follow usWeb: http://stateofatlanta.comFacebook: http://facebook.com/STATEofAtlantaTwitter: http://twitter.com/STATEofAtlantaYouTube: https://www.youtube.com/@STATEofAtlantaSupport the showPatreon: http://patreon.com/STATEofAtlantaRock our swagMerch: http://merch.STATEofAtlanta.com

Ten-year-old Rebekah Baptiste was so desperate to escape abuse that she ran away from home and begged strangers for help months before her death, according to police. Now, her father Richard Baptiste and stepmother Anicia Woods face murder and child abuse charges. Law&Crime's Jesse Weber is joined by former prosecutor Marian Braccia to analyze the fatal mistakes authorities made in returning Rebekah to her abusers and the push for accountability in Arizona's DCS.PLEASE SUPPORT THE SHOW:Take your personal data back with Incogni! Use code SIDEBAR at the link below and get 60% off an annual plan: https://incogni.com/sidebarHOST:Jesse Weber: https://twitter.com/jessecordweberLAW&CRIME SIDEBAR PRODUCTION:YouTube Management - Bobby SzokeVideo Editing - Michael Deininger, Christina O'Shea, Alex Ciccarone, & Jay CruzScript Writing & Producing - Savannah Williamson & Juliana BattagliaGuest Booking - Alyssa Fisher & Diane KayeSocial Media Management - Vanessa BeinSTAY UP-TO-DATE WITH THE LAW&CRIME NETWORK:Watch Law&Crime Network on YouTubeTV: https://bit.ly/3td2e3yWhere To Watch Law&Crime Network: https://bit.ly/3akxLK5Sign Up For Law&Crime's Daily Newsletter: https://bit.ly/LawandCrimeNewsletterRead Fascinating Articles From Law&Crime Network: https://bit.ly/3td2IqoLAW&CRIME NETWORK SOCIAL MEDIA:Instagram: https://www.instagram.com/lawandcrimeTwitter: https://twitter.com/LawCrimeNetworkFacebook: https://www.facebook.com/lawandcrimeTwitch: https://www.twitch.tv/lawandcrimenetworkTikTok: https://www.tiktok.com/@lawandcrimeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode I discuss the following: ⭐️ The Spin: Happy New Year & New Years Rockin Eve traditions / Stranger Things finale Dragon season card ranks! ⭐️ marvel snap Best & Worst of 2025 - my personal best things in the game and the things I disliked that happened through 2025 ⭐️ my favorite season pass card of the year ⭐️ my current spot on ladder and the deck I'm playing ⭐️ Fantomex in comics (origin/ first appearance & comics you can find him in). Also my book picks of the week ⭐️ MCU minute .. review of the second Doomsday trailer (THOR) And looking forward to all the marvel stuff coming in 2026 along with other films I'm excited for and DCs slate of films and shows ⭐️ PIxel Perspective .. video games I'm playing ⭐️ Lyric challenge .. were you paying attention?

DCS is waring/talking scamming stories and plus a listener calls in with his story of cheating with his boss. 

In this episode, we explore the C-130J DCS Module, diving into its development, features, and the unique experiences it offers. Scott "Roger" Chafian, Brian "Sunshine" Sinclair, Baltic Dragon join Matt Delaney to discuss the aircraft's history, its tactical capabilities, and the challenges Matt faced during the DCS module's creation. Matt provides a comprehensive look at what it took to make the C-130J a standout module in DCS.The Airplane Simulation Company: https://www.airplanesimulations.com/Digital Combat Simulator: https://www.digitalcombatsimulator.com/en/Brian Sunshine Sinclair: https://www.3-wire.com/Baltic Dragon: https://www.baltic-dragon.net/C-130 EXPERIENCE NOTES:Blue Angels “Fat Albert”The U.S. Navy's Blue Angels flight demonstration team operates a support C‑130J nicknamed “Fat Albert.” At airshows around the United States, Fat Albert opens the show with a high‑energy routine, demonstrating the Hercules' STOL capabilities and surprising agility. The aircraft performs steep take‑offs, power climbs, tight turns and tactical descents. Until 2009, JATO (jet‑assisted take‑off) rockets added extra spectacle. Today's Fat Albert uses modern six‑blade propellers and continues to thrill crowds.Several museums allow visitors to step inside or operate replicas of the Hercules:Hill Aerospace Museum (Utah) – Their “C‑130 Experience” turns a retired fuselage into an interactive classroom. Visitors climb into the cargo bay and cockpit, interact with real controls and experience mission scenarios such as hurricane hunting, Antarctic landings and Fulton recovery. The exhibit reproduces sights, sounds and vibrations, giving a taste of being on a missionAir Mobility Command Museum (Delaware) – Houses a C‑130E that visitors can tour on open‑cockpit days, with veterans providing guided walkthroughsMuseum of Aviation (Georgia) – Hosts an annual C‑130 Day where attendees explore a Hercules with former crew explaining systems.These experiences contextualise the aircraft's history and allow people to appreciate the complexity of its cockpit and the scale of its cargo bay.Several aviation museums around the world display C‑130s and sometimes permit visitors to tour the interior. Notable examples include:MuseumLocationDisplay HighlightsHill Aerospace MuseumUtah, United StatesThe C‑130 Experience—interactive fuselage exhibit with mission simulations.Air Mobility Command MuseumDover Air Force Base, DelawareC‑130E walk‑through tours on open cockpit days, guided by veterans.Museum of AviationWarner Robins, GeorgiaAnnual C‑130 Day event allowing visitors inside a Hercules.Pima Air & Space MuseumTucson, ArizonaDisplays a retired HC‑130 used by the U.S. Coast Guard.Royal Air Force Museum CosfordShropshire, United KingdomHouses a former RAF C‑130K.Royal Australian Air Force MuseumPoint Cook, AustraliaDisplays a C‑130A, illustrating early Hercules service.Many other museums worldwide—such as the Canadian Warplane Heritage Museum, the Italian Air Force Museum (Vigna di Valle) and the Egyptian Air Force Museum—exhibit retired C‑130s. Visitors can appreciate the size of the cargo bay, the complexity of the cockpit and the wear from decades of service. Hosted on Acast. See acast.com/privacy for more information.

DCS is making some changes, after reports of the child abuse hotline missing calls.

Its that time of year and like it or not you're probably gonna have to interact with the Ex cause of Christmas. DCS talks those parking lot exchanges. 

DCS talks weight gain and the effects it can have on a relationship. Plus DCS talks rappers stepping up for the holidays, a person that had to ride next to a dead body on a plane and are you eating an egg salad sandwiches from the convenience store?

DCS is talking the words of the year and would you take your animal on an airplane?

On today's EXTRA episode, MinistryWatch President Warren Smith explains our Donor Confidence Score and answers some of the most frequently asked questions about the DCS and about the MinistryWatch 1000 database. Some of the links mentioned in today's program include: You can find the ministry you're looking for by clicking here. A growing number of Christian ministries do not file a Form 990. I have written about this trend here. We welcome feedback from donors and ministry leaders regarding individual ministry ratings, or regarding our overall rating system. We have made adjustments over the years based on this feedback. If you have comments, concerns, or questions, please email me at wsmith@ministrywatch.com

In todays "Crazy Crime of Passion" story DCS talks Daniel Villegas and his struggle to prove his innocence. Plus DCS talks Ja Rule coming at 50 Cent over Diddy, a drunk racoon and minimum wage going up in 19 states. 

DCS is talking all the hottest toys the kids want from Santa. Did you're kids favorite toy make the list this year? Plus DCS talks Diddy Mom making a statement about the new documentary, cyber Monday numbers and Tyler the creator getting the Vanity Fair innovator award. 

In this episode of the DCS Podcast, we unpack a pattern that shows up over and over again with students inside DCS and in the journey of so many coaches: taking breaks from your business without even realizing it.You'll learn the difference between intentional and unintentional breaks in your coaching business, and why unintentional breaks quietly erode your confidence, consistency, and results. You'll hear a personal story about a season where the business looked “consistent” on the outside—posts were going up, clients were being coached—but the energy, leadership, and enthusiasm were completely offline. That was actually an unknown, unintentional break.Using simple analogies (like a clothing store that says “Open” but has no merchandise inside), this episode helps you see where this might be happening in your own business and how to get back into aligned, belief-shifting action. You'll also get a practical “break diagnostic” you can use right now to identify what kind of break you're in and how to convert an unintentional break into a healthy, intentional one.If you've ever felt guilty for needing rest, or confused about why you're “doing all the things” but not seeing the results you want, this episode will feel like a deep breath and a reset.In This Episode, You'll Learn:The three types of breaks in your business:Intentional breaksKnown unintentional breaksUnknown unintentional breaksWhy intentional breaks are not only healthy but necessary when your brain is the primary “equipment” in your coaching businessHow unintentional breaks:Often start as “just procrastination”Quietly become emotional avoidanceLead to more shame, guilt, and avoidance over timeThe powerful analogy of:A store with a “Closed” sign (known unintentional break)A store that says “Open” but has no clothes inside (unknown unintentional break)The three core thoughts that usually fuel unintentional breaks:“This isn't working.”“This should be easier.”“No one wants what I have to offer.”How these thoughts, when avoided, harden into beliefs and start to define your identity as a coachWhat it looks like to be:Busy and “doing all the things”But not actually selling, leading, or shifting beliefsThe Break Diagnostic:How to scan your behavior (Are you actually showing up? Are you selling?)How to scan your story (Are you grounded, or stuck in confusion/blame?)How to scan your self-coaching (Are you going deep, or only asking surface strategy questions?)How to convert an unintentional break into an intentional one, build clean boundaries around it, and return to your business feeling grounded, clear, and refreshed instead of ashamed or behindIf you realized you might be on an unintentional break, or you want to lead your coaching business with more clarity, mastery, and emotional congruence — make sure you're subscribed to the DCS Podcast and share this episode with another physician coach who needs it. Let's Connect: On Instagram On Facebook On LinkedIn On TikTok On my website

In today's "Crazy Crime of Passion" story David and Sharon Shoos went to Mexico and left behind their kids ages 9 and 4 unsupervised! You have to hear this story to believe it! Plus DCS talks Diddy response to the 50 Cent documentary on his life, cold remedies for Anthony and DCS plays "Who's Lying" with a listener. 

In this episode, we sit down with Grinnelli, Sunshine, Roger, Rob, and JNelson to talk about the in-development DCS F-100 Super Sabre module. The conversation focuses on what it's like bringing the Hun into DCS, the aircraft's defining characteristics, and how the team is approaching its behavior in the sim. Grinnelli discusses his experience being welcomed into the F-100 community and what he's learned from the people who know the jet best. Sunshine and JNelson add a brief look at how the game engine handles some of the aircraft's unique flight traits, and Roger provides historical context that helps frame the F-100's place in aviation.It's a practical, honest discussion about the aircraft, the module, and what sim pilots can expect as development continues. https://www.digitalcombatsimulator.com/en/https://grinnellidesigns.com/f-100/https://supersabresociety.org/ Hosted on Acast. See acast.com/privacy for more information.

Guest: Kathryn (Kati) C. R. Knudsen, PT, MPT, CNT, PCS, DCS, CLEEarn 0.1 ASHA CEU for this episode with Speech Therapy PD: https://www.speechtherapypd.com/courses/pts-and-feeding-in-the-nicuDid you know Physical Therapists can play a vital role in feeding and PO readiness in the NICU? They sure can! If you're curious about the unique expertise they bring to the table, this episode is for you.Join Michelle Dawson, MS, CCC-SLP, CLC, BCS-S, as she chats with Kathryn C. R. Knudsen, PT, MPT, CNT, PCS, DCS, CLE—affectionately known as “Kati”—a NICU PT with more than 25 years of experience. Kati shares her journey into neonatal care, explores the specialized training PTs receive to support oral readiness, and offers insight into how they help caregivers who are learning to chest feed or bottle feed their little ones.You'll also hear about the effects of Neonatal Opioid Withdrawal Syndrome (NOWS) on feeding development and how collaborative care between SLPs and PTs can make a real difference. This episode is a powerful example of interprofessional teamwork, with the shared goal of helping babies and caregivers thrive.Show Notes:Find Local Assistance: https://www.findhelp.org"Welcome to Holland" Poem: https://www.emilyperlkingsley.com/welcome-to-hollandAbout the Guest: Kati Knudsen has practiced as a pediatric physical therapist since 1996 and as a therapist in the NICU since 1999. Kati served as lead therapist for two NICUs at sister hospitals in Portland, Oregon for 10 years, and continues to work per diem for these hospitals while serving as an account manager for Dr. Brown's Medical. She has obtained certifications in neonatal therapy, pediatric physical therapy, lactation education, neurodevelopmental treatment, infant massage, developmental care, and transportation of children with special needs to better support infants and families. Kati has published articles about support for preterm and medically fragile infants and spoken nationally and internationally on improving the care of infants in the NICU. Kati serves as the therapy representative on the Vermont Oxford Network Multidisciplinary Advisory Council and is a founding member, past co-chair, and past treasurer of the Neonatal Therapy Certification Board. Kati saw patients in NICU follow-up clinic for more than 25 years where she also helped to redesign care to make it more accessible to families. Kati's overall goal with her professional activities is to support improved long-term outcomes for medically fragile infants and their families.Follow First Bite: https://linktr.ee/FirstBitePodcast?utm_source=linktree_profile_share<sid=1571047e-c5cf-4d4a-8cc6-08ec5871aeb5Spotify: https://open.spotify.com/show/36kfA1xbU156vHPilALVoJ?si=c187e347d3984b45Apple Podcasts: https://podcasts.apple.com/us/podcast/first-bite/id1399630680

It's the holiday season and you're probably wasting your time waiting around for you ex! DCS talks to a man that needs to move on! Plus DCS talks to Seer Mari who gives a listener a reading and gives the rest of us a spiritual forecast for the week. 

Randy Haines ⁠⁠⁠⁠and I continue our team previews with the Toronto Blue Jays. The pods are not meant to be a deep dive into each and every player on each team, but more so identifying some interesting ADP's (Draft Champions), items of importance on their depth charts - either with paths for players in playing time or vice versa- any how some recent news may dictate some player interest. TorontoJeff Hoffman is not draftable at current ADP with recent rumors ? Whats the price where it becomes comfortable to take a shot?Gausman/Bieber/Yesavage all going within a round of each otherEarly drafters not buying Nathan Lukes Berrios post 400 in DCs is appealingLouie Varland starter or reliever?⁠⁠⁠⁠⁠⁠PullHitter merch is here! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Welcome to the PullHitter Podcast, your destination for actionable resources and tools to grind your way to ultimate fantasy baseball success.Support my work and join the Pull Hitter Patreon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-Access to lively Discord with highly active members sharing player evaluations, draft boards and strategies..get a leg up on your league mates!-Player Breakdowns series in audio and video form-Draft recaps from me-additional Launch Angle episodes-additional Guest episodes-ad free listening-Much more!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patreon.com/user?u=32383693&utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow on twitter: @pullhitterpod ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/PullHitterPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @deadpullhitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/deadpullhitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email : pullhitterpodcast@gmail.com Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠pullhitter.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠My link tree with all of my links in one spot:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/pullhitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Also check out me cohosting the Launch Angle Podcast with Rob Silver!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://anchor.fm/robe

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

Its almost Turkey day so DCS is debating whats the best side dish! Plus DCS talks grocery costs and deals, Auto getting scammed and Eminem is suing!

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