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emocleW, emocleW, emocleW to the Distraction Pieces Podcast with Scroobius Pip!This is your bonus FRIDAY REWIND episode! Today, we catch up with PETER CAPALDI, originally episode 555 from 2024-02-21.Original writeup below:Depending on where you caught Peter on his timeline, you may know him as Malcolm Tucker, Dr Who, or even Oldsen if you've seen Local Hero. Point is - Peter's been busy for decades, and continues to be so. He's also an awesome hang, as you will find out as Pip gets a good hour or so in his company. They get into all sorts, including of course the roles and acting experiences, but also the wide world of culture wars and nonsence arguments, problems with leadership, maintaining good vibes on set, London as a crime backdrop, the greatness of Glasgow, Lewis Capaldi and his relation to him, making diorama studios as a kid, and the hand of destiny in his acting career. NOT avoiding the hypetrain for the show brought to you by he and his wife, Criminal Record on Apple TV! So much to enjoy. Better step to it.PIP'S PATREON PAGE if you're of a supporting natureIMDBINSTAGRAMTARDIS WIKIDOCTOR WHOCRIMINAL RECORDTHE THICK OF ITPIP TWITCH • (music stuff)PIP INSTAGRAMSPEECH DEVELOPMENT WEBSTOREPIP TWITTERPIP IMDB Hosted on Acast. See acast.com/privacy for more information.

If you prompt frontier models with "What do you think is the correct decision theory? Please select your overall favorite." they will essentially always answer FDT or FDT/UDT ("something in the functional/updateless decision theory family"). However, if your prompt indicates (even subtly) that you're coming from mainstream academic philosophy, these same models will answer CDT instead about 30%-100% of the time. A similar phenomenon holds for models' stated views about the moral realism/antirealism question and about the conceivability of p-zombies (where the dominant view in mainstream academia differs from the dominant view in LW-adjacent circles), as well as their stated P(doom) and median AGI timelines. This is a special case of sycophancy or user awareness. (In the course of writing this post, I also found that this comment from testingthewaters predicted some of the content I discuss.) An implication is that we should be somewhat careful when interpreting attitude/propensity evals in domains where no general human consensus exists, e.g. when interpreting models' decision theory attitudes in DTBench. Moreover, when we explore some philosophical/conceptual questions assisted by models, we should be wary of them strawmanning one side of the debate based on particular user cues (e.g. only giving a [...] ---Outline:(03:50) A sentence identifying the user as an academic significantly influences Fable 5.1's stated decision theory[... 13 more sections]--- First published: September 30th, 2026 Source: https://www.lesswrong.com/posts/MzenSrmZ3pT2pCnvp/frontier-models-state-different-decision-theory-preferences-2 --- Narrated by TYPE III AUDIO. ---Images from the article:

A declining follower count or an unexpected unfollow can stir up feelings of loneliness, rejection, and insecurity. But our value is not determined by social media approval or by how others choose to treat us. God sees us, loves us, and invites us to bring our hurt to Him. Matthew 7:12 teaches us to treat others the way we want to be treated, both online and in person. While we cannot control other people’s choices, we can choose how we respond when their actions hurt us. Instead of returning rejection with rejection or allowing bitterness to take root, we can seek God’s comfort, practice kindness, and remember that our identity is grounded in Christ. When social media leaves us feeling disconnected or discouraged, God offers refuge, healing, and a love that does not depend on followers, friendships, or approval. Highlights Why being unfollowed or unfriended on social media can trigger feelings of rejection How social media approval can influence the way we view our worth Why our identity and value come from God rather than other people’s opinions What Matthew 7:12 teaches about treating others with kindness online and in person How to bring feelings of hurt, loneliness, and rejection to God Why responding to hurt with kindness is more consistent with following Jesus Encouragement to find comfort in God’s unfailing love when relationships change Want more encouragement throughout your week? Subscribe to The Good Word, LifeAudio’s free weekly newsletter. Sign up at LifeAudio.com/thegoodword Do you want to listen ad-free? When you join Crosswalk Plus, you gain access to exclusive, in-depth Bible study guides, devotionals, sound biblical advice, and daily encouragement from trusted pastors and authors—resources designed to strengthen your faith and equip you to live it out boldly. PLUS ad free podcasts! Sign Up Today! Full Transcript Below: Unfollowing Social MediaBy Vivian Bricker Bible Reading:“So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets” (Matthew 7:12). Each time I see my follower count go down on social media, I automatically feel like the little kid I was in sixth grade. My feelings get hurt, and I start feeling bad about myself. Depending on who the person is, it can hurt even worse. Recently, I had someone I thought was a real friend unfollow me. Their unfollowing caught me off guard, but I figured that, like everyone else, they didn’t like me much either. Even though this person chose to unfollow me, I didn’t choose to unfollow them back. Clicking the unfollow button is intentional, often with the thought that you don’t care about the person anymore. Since social media is one of the main ways we connect with others today, unfollowing someone can feel similar to leaving their life and choosing not to engage with them anymore. Even though I am an adult and I’m doing better mentally than I have in a long time, I cannot shake the pain it brings when someone I thought was a friend disconnects from my life. However, while talking with a wise friend, she told me that they were never really my friends to begin with. This was the second time someone had said something like this to me, which showed me that God was trying to tell me something. We don’t need to seek approval from humankind. Instead, we must remember that God already accepts us as we are. If other people don’t like us, that’s okay. And if they are offended when we share our honest feelings, then that’s okay, too. However, that doesn’t mean what they did didn’t hurt us. In truth, when a friend unfollows us, it can make us feel worthless. Bring these feelings to God and set them at His feet (1 Peter 5:7). Tell Him how their words and actions hurt your feelings. It is enough to say, “Lord, my friend unfollowed me, and it makes me feel awful.” God will meet you where you are and cover you with His support. As the Bible says, “He will cover you with his feathers, and under his wings you will find refuge; his faithfulness will be your shield and rampart” (Psalm 91:4). Intersecting Faith & Life: The Lord tells us, “So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets” (Matthew 7:12). This passage is now known as the “Golden Rule.” It is often taught in schools to help children learn how to treat others well. As followers of the Lord, He doesn’t want us to hurt others with our actions. He wants us to extend kindness, love, and support. Even if other people hurt us, we must turn the other cheek (Matthew 5:38-40). Just because they are mean and hurtful toward us doesn’t mean we need to return the pain (1 Peter 3:9). If we don’t want others to be mean to us, unfollow us, or unfriend us, we don’t need to do those things to others. By filtering our actions and words through the Word of God, we will be able to truly shine brightly for Jesus. Has anyone ever unfollowed you? How did that make you feel? How can you start treating others the way you want to be treated, both in person and online? Pray with me: Dear Jesus, other people have unfollowed me on social media in the past, and it is very hurtful. It makes me feel like I’m worthless. Please help me to remember that my worth is in You and that You will love me always. Help to turn my heart away from evil and turn it toward You. Equip my heart with the ability to treat others the way I want to be treated and to repay evil with blessing. In Your Name, I pray, Amen. Further Reading: Psalm 34:18 Psalm 55:22 Matthew 11:28-30 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Roger Gauthier believes a dream can carry responsibility beyond the person who receives it. The question at the center of his work is simple: “Who's depending on your dream?” Roger joins CJ Moneyway for a conversation that begins in prayer and moves into the life behind that question. He describes growing up with a father whose attention he longed for, the effect of bullying and isolation, and how marriage and fatherhood changed his understanding of responsibility. CJ brings his own experience into the discussion, reflecting on a decision that helped change his life while leaving scars for others. Together, CJ and Roger examine what it means to pursue a vision while taking ownership of its effect on the people closest to you. Roger also discusses creating a short film around his message and the accountability he felt when sharing it publicly. As the conversation turns toward loss and rebuilding, he begins describing his mother's death and a difficult transition into entrepreneurship. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Due to an unknown error with the Texas Department of Public Safety (DPS), the agency failed to send voter registration applications to county election officials, according to a statement issued Sept. 24 by the Texas Association of County Election Officials. This comes just weeks before the Nov. 3 general and local elections. Texas county voter registrars across the state recently have received a flood of new voter registrations and updates to voter registration records submitted through the DPS. Some submissions date as far back as October 2025, but were not sent to Texas county voter registrars until last week. Depending... Article Link

Kids are weird, like really weird, but in a fun way? Dr. Jenessa Seymour is back to tell us about some classic child development paradigms that really need to be reevaluated. Depending on when you learned about these experiments, you were either taught that they were the gospel truth, with established ages where kids can and cannot pass these tests, and major consequences for late development, or maybe you heard that recent studies show it's a bit more complicated. Still makes for some cute and funny demonstrations either way. Sources: The marshmallow test is really about trust The “curse of knowledge” Autistic kids pass theory-of-mind tests on a computer Passing the theory-of-mind test with implicit looking measures at 15-months-old and 13-months-old Kids pass the conservation test sooner when they do it themselves Are you an expert in something and want to be on the show? Apply here! Please support the show on Patreon! You get ad-free episodes, early episodes, and other bonus content! https://www.patreon.com/seriouspod

This week we talk about EU membership, trade deals, and association.We also discuss Australia, Ursula von der Leyen, and Brussels.Recommended Book: Being You by Anil SethTranscriptJust off the coast of Newfoundland, there's a small group of islands that belongs to France. Saint-Pierre and Miquelon are close enough to Canada that, at their nearest point, the two countries are separated by only a few kilometers of water.In September, Canadian Prime Minister Mark Carney met French President Emmanuel Macron on these islands. The two leaders could stand on French territory and talk about a partnership with the European Union, while Canada was visible across the water.A few days earlier, European Commission President Ursula von der Leyen had made a similar, but possibly more significant proposal. Speaking before the European Parliament, with Carney in the room, she said she wanted to open the door for Canada to become the EU's first “associate member.”Depending on which headline you read about the statement, this may have sounded like Canada might be joining the EU, joining it partway, or joining an entirely new version of it. Soon after, Australia's trade minister said his country was “on the same page” as Canada regarding closer ties, and the European Parliament's president then suggested Australia and New Zealand might follow Canada's lead.Now, despite all those headlines and interpretations, there's one problem with all these stated ambitions: the European Union does not have an established category called associate member. No one has agreed on what rights or obligations an associate member country would have, and figuring that out—and getting some kind of resolution passed—would be necessary for anyone, including Canada and Australia, to get closer in that way with the EU.What I'd like to talk about today is why this proposal was made, what it could mean if it eventually becomes more concrete, and whatever happens, what these statements tell us about the way global alliances are changing.—The EU has 27 member countries, but there are already a few different ways to be connected to it.Full member nations help write EU law and send representatives to its institutions. They all participate in the single market, which means goods, services, money, and people can move across member nation borders under shared rules.The single market is distinct from the customs union, which sets common tariffs on goods imported from elsewhere. Both are distinct from the Schengen area, which removes most routine passport checks between participating countries. And nations that use the euro are another group entirely. These arrangements tend to overlap, but they're not the same thing, and membership in one does not automatically mean membership in all the others.There are also countries outside the EU that participate in some of its systems. Norway, Iceland, and Liechtenstein belong to the European Economic Area and are part of the single market. To do that they have to accept many EU rules, although they don't vote on those rules as that would require full EU membership. Switzerland has built its own set of bilateral arrangements with the EU. And Britain, after leaving the union, has also negotiated a special trade and cooperation agreement with it.So there are precedents for a country having a deep relationship with the EU without being a member. But there's no ready-made ‘associate' slot that Canada can just step into.There's a legal distinction here, too. The EU treaties say that a European state can apply to become a member, and Canada is not a European state. The treaties separately allow the EU to make association agreements with countries outside the bloc, and it already has many kinds of agreements with external partners. An association agreement, though, does not make that partner a member of the Union.“Associate member” could eventually become a useful name for a new collection of rights and obligations held by nations outside those existing parameters. For now, though, it's a political invitation and a negotiating idea, not a defined legal status.All that said, Canada isn't starting from scratch on this. Its trade agreement with the EU, called CETA, has been applied provisionally since 2017. Most of it is already in effect, though ten EU countries still haven't completed the ratification required for the whole of the agreement to go into force.CETA removes most tariffs and opens some opportunities for companies on each side, but it doesn't make Canada part of the single market. A Canadian product can be easier to sell in Europe without a Canadian worker gaining a general right to take a job there. That's part of the distinction between a trade deal and the sort of relationship people sometimes imagine when they hear the phrase “union membership.”Canada also joined Horizon Europe, the EU's major research funding program, in 2024. It has a security and defense partnership with the EU, and it became the first country outside Europe to join an EU defense financing initiative called SAFE.That means some of the proposed future relationship already exists, but in pieces rather than as a unified whole. The question is whether those pieces can be connected and extended into something much more ambitious and holistic.Now, important to understanding the why of all this is understanding Canada's relationship with the US, and how that relationship has been fraying, of late.Canada's economy is deeply integrated with that of the United States. Its proximity to the massive US market has brought enormous benefits, but it also means a change in American trade policy can have an immediate and dramatic effect on Canadian businesses. President Donald Trump's tariffs and repeated suggestions that Canada should become the 51st state have made that dependence more than a little politically uncomfortable.For Carney, a closer European relationship offers a way to reduce the risk of having too many economic and security decisions shaped by one increasingly unpredictable and at times belligerent neighboring country. Europe has its own reasons to be interested in closer ties. Canada has energy and critical minerals, industrial capacity, research institutions, and a role in the Arctic. Both sides also support Ukraine and work together through NATO and other forums.Von der Leyen has proposed cooperation with Canada on batteries, artificial intelligence, cybersecurity, advanced manufacturing, and defense production. Carney has added ideas about financial services and opportunities for young people to live, work, and study across the Atlantic.This isn't a plan to move Canada's economy from one continent to another. Geography still matters. A car part crossing the US-Canada border may be part of a production chain built up over decades; a new trade agreement with Europe doesn't instantly recreate or replace that chain.But diversification doesn't require replacing one partner with another. It can mean having additional buyers, suppliers, research collaborators, and sources of investment, so that a disruption in one relationship is less damaging.The costs and limits matter here, too. Canadian opposition leader Pierre Poilievre has warned that deeper EU ties could mean higher costs and Canadian industries being regulated from Brussels. His motives in bringing this up are likely at least partly political, but it's a question worth asking: if Canada wants more access to a tightly regulated European market, which European standards would it have to accept as a tradeoff?Europe would face its own questions. EU governments have spent decades building shared rules among countries that accept reciprocal obligations. They may not want to give a distant partner the benefits of those standards without comparable commitments. The fact that ten member states have yet to ratify the existing Canada trade agreement is a reminder that closer ties require more than an enthusiastic speech from the Commission president; there are real, practical realities to consider, here.If something like this were to move forward, we don't yet know whether the final result would be one major agreement or a series of smaller ones. The latter might be easier to negotiate: a defense arrangement could advance while mobility or food standards remain unresolved, for instance. But calling the package an associate membership could also raise expectations that every difficult issue will be solved at once, which probably isn't realistic.And none of this automatically grants Canadians the right to settle anywhere in the EU, or Europeans the right to settle in Canada. Carney has talked about expanding opportunities for young people, but the scope of any mobility arrangement would have to be negotiated. A youth work or study program would be a very different proposition from full freedom of movement.And as all of this has played out, Australia has watched with interest.Australian Trade Minister Don Farrell said Australia and Canada were “on the same page” about building stronger ties with Europe, and that he would watch what Carney did. Then European Parliament President Roberta Metsola named Australia and New Zealand as examples of countries with which the EU could deepen its relationship.Those remarks generated another round of headlines about countries joining Europe, but as with Canada, things are more complicated than most of the reporting on this would suggest.Australia and the EU finished negotiating a free trade agreement earlier this year, but it still has to be signed and brought into force. They also have a security and defense partnership and have discussed bringing Australia into Horizon Europe. At a September meeting, their leaders focused on those steps, along with potential agreements related to critical minerals and technology.All of which illustrates the difference between a political signal and a policy commitment. Whether the involved negotiators eventually decide on some kind of associate terminology is arguably less consequential than the real-deal agreements being worked out piecemeal, today.If the associate model were to become a real thing and catch on with Canada and Australia, that could open the doors for more and deeper collaborations by the EU with non-member states, though, which could be long-term impactful, even if it took a while to spin-up.Looking across the channel at Britain, we find evidence that an associate membership with the EU might have real appeal, even for union skeptics.In a YouGov survey published ten years after the Brexit vote, 57% of Britons said leaving had been the wrong decision, and 55% said they supported rejoining the EU in principle. But when asked about rejoining without Britain's old exceptions to EU rules, support fell to 35%. Meanwhile, 59% supported a closer relationship without rejoining the EU, its single market, or its customs union.Those results don't tell us what Britons would think of a hypothetical Canadian-style agreement, but they do suggest that the details are important. “Closer ties” can sound attractive to people who are uncomfortable with shared laws, movement across borders, and which institutions get the final say, because it suggests more benefits with fewer organizational constraints. There's a non-zero chance any new, tighter agreement with Canada would face similar, detail-oriented issues, and a mix of approval and disapproval from Canadian citizenry.Show Noteshttps://www.theguardian.com/world/2026/sep/16/von-der-leyen-mark-carney-canada-eu-first-associate-memberhttps://www.politico.eu/article/australia-on-the-same-page-as-canada-on-deepening-eu-ties-says-key-minister-trade-don-farrell/https://yougov.com/en-gb/articles/54925-what-do-britons-think-of-brexit-10-years-since-the-referendumhttps://sentiers.media/the-map-fiction-missed/https://cyprus.representation.ec.europa.eu/news/2026-state-union-address-president-von-der-leyen-2026-09-16_enhttps://www.pm.gc.ca/en/news/speeches/2026/09/17/prime-minister-carney-delivers-address-european-parliamenthttps://www.pm.gc.ca/en/news/speeches/2026/09/20/prime-minister-carney-delivers-remarks-conclude-his-visit-saint-pierre-ethttps://www.pm.gc.ca/en/news/news-releases/2026/09/17/prime-minister-carney-deepens-ties-trusted-allies-visit-france-andhttps://audiovisual.ec.europa.eu/en/media/video/I-294577https://eur-lex.europa.eu/EN/legal-content/summary/treaty-on-european-union-joining-the-eu.htmlhttps://eur-lex.europa.eu/legal-content/EN/ALL/ This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit letsknowthings.substack.com/subscribe

What should you do if the stock market crashes right after you retire? In this episode, I discuss what happens if you experience a major market decline in your early retirement years, explain the concept of sequence of return risk, and share a few strategies to safeguard your hard-earned nest egg and maintain peace of mind.   You will want to hear this episode if you are interested in... [01:20] What to do if the stock market crashes right after retiring [04:09] Sequence of return risk explained [07:14] Preparing for market declines in retirement [13:43] Tax strategies during market decline [15:24] Roth conversions and retirement planning [16:54] Market declines are recurring and necessary for capturing market returns  Risks Retirees Face Retiring at a market peak brings risks. When still working, a market downturn lets you buy investments at lower prices. You have time on your side—and a regular paycheck. In retirement, however, your portfolio often becomes your primary income source. After years of building a $1.5 million nest egg, imagine seeing it drop by 25%, to $1.125 million, just months after retiring—without paychecks to replenish it. Your portfolio potentially shrinks, and you're withdrawing money from a diminished resource, hampering its ability to recover as markets eventually rebound.   Understanding Sequence of Return Risk A key concept is sequence of return risk, which refers to the danger that poor investment returns strike early in retirement. Two retirees may earn the same average annual return, but if one encounters downturns at the start of retirement while the other faces them later, their financial outcomes can be drastically different. Early losses, combined with withdrawals, can irreparably harm a portfolio, making recovery much harder—even if average returns are the same.   Five Steps to Safeguard Your Retirement Portfolio How can you prepare for, and withstand, a major market correction right after retiring? Here are my five key steps:   1. Hold Short-Term Reserves Every retiree should allocate a portion of their portfolio to short-term bonds, cash, or money market funds. This "bucket" provides a buffer, covering your withdrawals during market downturns so you don't have to sell stocks at a loss. Depending on your risk profile, aim to set aside 5 to 10 years' worth of expected withdrawals in these safer assets.   2. Regularly Review Your Asset Allocation As you approach retirement, your investment mix should grow more conservative. Adjusting your asset allocation—perhaps settling on a portfolio of 60% stocks and 40% bonds or cash—can help limit losses. Ask yourself: How much of a decline can you stomach? Even diversified portfolios can lose 25% in significant downturns, which, on a $2 million portfolio, means a $500,000 drop.    3. Stay Flexible with Retirement Spending Categorize your expenses into essentials (housing, food, insurance) and wants (travel, memberships). If markets fall and portfolio withdrawals become a high percentage of your assets, consider temporarily reducing want-based spending. This flexibility buys time for markets to recover and helps your assets last longer.   4. Tax-Smart Withdrawal Strategies If you hold both taxable and tax-advantaged accounts, be strategic. In a downturn, withdrawing from taxable accounts—especially if they contain holdings at a loss or long-term capital gains taxed at lower rates—may minimize your tax burden compared to pulling from traditional IRAs or 401(k)s.   5. Consider Roth Conversions in Down Markets A market drop can be an opportunity: converting pre-tax IRA assets to Roth IRAs at lower prices means a lower tax bill and the chance for future tax-free growth as values recover.   Should You Delay Retirement During a Market Crash? Ensure your financial plan, reviewed with a professional, can weather market shocks before taking the leap 16:25. Stock market declines are inevitable but have historically been followed by recovery and growth—especially for those who avoid panic and keep a steady course. A stock market crash immediately after retirement is daunting, but it doesn't have to ruin your plans. By building robust short-term reserves, adjusting your asset allocation, retaining spending flexibility, employing smart withdrawal strategies, and seizing opportunities like Roth conversions, you can navigate downturns with confidence. Remember: market declines are normal, and with a well-constructed plan, your retirement can weather any storm.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

Living in Utica, Michigan: Homes, Schools, Taxes & What You Need to KnowThinking about living in Utica, Michigan or moving to Macomb County? In this episode of the Living in Michigan Podcast, Andrew McManamon breaks down what you need to know about one of Metro Detroit's smallest and most interesting cities.Utica may cover less than two square miles, but its location, historic downtown, access to Utica Community Schools, housing options, and proximity to Shelby Township and Sterling Heights make it worth understanding if you're considering a move to Southeast Michigan.We cover the history of Utica, what downtown Utica is like, nearby parks and recreation, commute and highway access, current home prices, and the wide range of real estate available within the city.Most importantly, we explain one of the biggest things buyers should understand before purchasing a home in the area: living in the City of Utica and living within the Utica Community Schools district are not the same thing.Utica Community Schools stretches across several surrounding communities, including parts of Shelby Township, Sterling Heights, Macomb Township, Washington Township, and Ray Township. Depending on where you buy, you may have access to the same school district while paying significantly different property tax rates.In this episode:• Where Utica, Michigan is located• What it's like living in downtown Utica• The history of Utica• Things to do in and around Utica• Utica Community Schools• Utica compared with Shelby Township and Sterling Heights• Property taxes in the Utica Community Schools district• Utica, Michigan home prices and real estate• The pros and tradeoffs of living in Utica• What buyers relocating to Metro Detroit should know before choosing an areaIf you're moving to Michigan, relocating to Metro Detroit, or comparing communities throughout Macomb County, this episode will help you understand whether Utica belongs on your list.

Canadian Property Taxes: What Real Estate Investors Are Missing Property taxes might not be the most exciting part of real estate investing, but they can completely change the performance of a rental property. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby compare residential property taxes across 20 major Canadian cities and show just how dramatically the numbers can change from one market to another. Using the same $500,000 assessed property value in every market allows for an apples-to-apples comparison. The difference between the lowest and highest cities in the comparison works out to thousands of dollars per year and hundreds of dollars every month. For a real estate investor, that's cash flow. How Property Taxes Actually Work Property taxes aren't structured exactly the same way across Canada. Depending on the province and municipality, your bill can include municipal taxes, provincial education taxes, regional authorities, transit, fire protection, waste collection, school taxes and other local levies. The terminology and assessment systems can also differ between provinces. The important lesson for investors is that looking at a property's purchase price isn't enough. You need to understand the actual assessed value, applicable tax rates and any additional charges specific to that municipality. Why Assessed Value Matters Property taxes are generally calculated using the municipality's assessed value of the property, which isn't necessarily the same as the purchase price or current market value. That distinction becomes especially important when buying a recently renovated property, adding a legal secondary suite, building a garage or completing another improvement that could increase the assessed value. If the municipality hasn't yet incorporated those improvements into the assessment, the existing tax bill may not accurately represent what you'll eventually pay. Vancouver Has the Lowest Rate in the Comparison One of the biggest surprises in today's episode is Vancouver. Using the rates discussed on the show, Vancouver had the lowest combined percentage among the 20 cities compared. On the standardized $500,000 assessed property used throughout the episode, the approximate annual property tax was $1,682, or about $140 per month. Surrey, Kelowna and Victoria were also near the low end of the comparison. Wayne discusses an important reason why percentage rates alone can be misleading. Markets with very high property values can use lower percentage rates while still generating substantial tax revenue because those percentages are being applied against much larger assessed values. Edmonton vs. Calgary Property Taxes The Edmonton-Calgary comparison was particularly interesting. Using the same $500,000 assessed property: Calgary: approximately $3,325/year Edmonton: approximately $5,182/year Difference: approximately $1,857/year That's roughly $155 per month in additional expenses for the Edmonton example. But Wayne stresses that this doesn't automatically make Calgary a better real estate investment. Purchase price, achievable rent, insurance, utilities, cash flow, tenant profile and other operating expenses all have to be considered together. A lower property-tax rate can't compensate for an investment that doesn't otherwise produce the returns you're looking for. Windsor Had the Highest Rate in the Comparison At the other end of the list was Windsor. Using the figures discussed during the episode, a $500,000 assessed property produced an estimated annual property-tax bill of approximately $10,483, or about $873 per month. Compare that with approximately $1,682 annually in Vancouver. That's a difference of roughly $8,801 per year, or about $733 every month. For a rental-property investor, an expense difference of that magnitude can completely change the economics of a deal. Why You Can't Just Compare Mill Rates This episode isn't intended to suggest that investors can simply take a city's headline tax percentage, multiply it by a purchase price and call it done. Assessment systems aren't standardized across Canada. Different jurisdictions can have separate school taxes, regional levies, parcel taxes, waste charges, borough-specific taxes and other fees. Properties can also fall into different classifications. That's why investors need to research the actual property they're considering. Wayne's 5-Step Property Tax Due-Diligence Process When analyzing a new rental property or unfamiliar market: Get the property's actual previous tax bill. Don't rely exclusively on an MLS listing or what the seller tells you. Determine whether the current assessment reflects recent renovations, additions, secondary suites or new construction. Look for separate charges including school taxes, regional levies, parcel taxes, waste fees, stormwater charges and local improvement charges. Verify the property's tax classification and whether your planned use or renovations could change it. Stress test the deal. Don't assume today's property-tax bill will remain unchanged for the next 10 or 20 years. Property Taxes and the 5% Rule This is another reason Wayne emphasizes cash flow. A property that barely works using today's expenses can quickly become a bad investment when property taxes, insurance, maintenance or other costs increase. The 5% Rule™ cash flow test is: (Annual Cash Flow ÷ Down Payment) × 100 5–6% = sufficient 7–9% = strong 10%+ = excellent Cash flow isn't simply money to spend. It's part of the financial buffer that allows an investor to absorb unexpected changes while continuing to hold the property for the long term. Search "The 5% Rule by Wayne Hillier" on Amazon to learn more. REI Masters Mentorship Special Through October 3, 2026, anyone who joins the REI Masters Mentorship Program receives 24 months of mentorship for the price of 12. New members will also be able to attend the upcoming REI Masters Retreat in Edmonton on October 16–17, 2026. Learn more: www.reimasters.ca Canadian Real Estate Investing Morning Show Hosted by Wayne Hillier and Gabby Hillier. Live every weekday at 7:00 AM Mountain Time from Edmonton, Alberta. Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca  

Canadian Property Taxes: What Real Estate Investors Are Missing Property taxes might not be the most exciting part of real estate investing, but they can completely change the performance of a rental property. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby compare residential property taxes across 20 major Canadian cities and show just how dramatically the numbers can change from one market to another. Using the same $500,000 assessed property value in every market allows for an apples-to-apples comparison. The difference between the lowest and highest cities in the comparison works out to thousands of dollars per year and hundreds of dollars every month. For a real estate investor, that's cash flow. How Property Taxes Actually Work Property taxes aren't structured exactly the same way across Canada. Depending on the province and municipality, your bill can include municipal taxes, provincial education taxes, regional authorities, transit, fire protection, waste collection, school taxes and other local levies. The terminology and assessment systems can also differ between provinces. The important lesson for investors is that looking at a property's purchase price isn't enough. You need to understand the actual assessed value, applicable tax rates and any additional charges specific to that municipality. Why Assessed Value Matters Property taxes are generally calculated using the municipality's assessed value of the property, which isn't necessarily the same as the purchase price or current market value. That distinction becomes especially important when buying a recently renovated property, adding a legal secondary suite, building a garage or completing another improvement that could increase the assessed value. If the municipality hasn't yet incorporated those improvements into the assessment, the existing tax bill may not accurately represent what you'll eventually pay. Vancouver Has the Lowest Rate in the Comparison One of the biggest surprises in today's episode is Vancouver. Using the rates discussed on the show, Vancouver had the lowest combined percentage among the 20 cities compared. On the standardized $500,000 assessed property used throughout the episode, the approximate annual property tax was $1,682, or about $140 per month. Surrey, Kelowna and Victoria were also near the low end of the comparison. Wayne discusses an important reason why percentage rates alone can be misleading. Markets with very high property values can use lower percentage rates while still generating substantial tax revenue because those percentages are being applied against much larger assessed values. Edmonton vs. Calgary Property Taxes The Edmonton-Calgary comparison was particularly interesting. Using the same $500,000 assessed property: Calgary: approximately $3,325/year Edmonton: approximately $5,182/year Difference: approximately $1,857/year That's roughly $155 per month in additional expenses for the Edmonton example. But Wayne stresses that this doesn't automatically make Calgary a better real estate investment. Purchase price, achievable rent, insurance, utilities, cash flow, tenant profile and other operating expenses all have to be considered together. A lower property-tax rate can't compensate for an investment that doesn't otherwise produce the returns you're looking for. Windsor Had the Highest Rate in the Comparison At the other end of the list was Windsor. Using the figures discussed during the episode, a $500,000 assessed property produced an estimated annual property-tax bill of approximately $10,483, or about $873 per month. Compare that with approximately $1,682 annually in Vancouver. That's a difference of roughly $8,801 per year, or about $733 every month. For a rental-property investor, an expense difference of that magnitude can completely change the economics of a deal. Why You Can't Just Compare Mill Rates This episode isn't intended to suggest that investors can simply take a city's headline tax percentage, multiply it by a purchase price and call it done. Assessment systems aren't standardized across Canada. Different jurisdictions can have separate school taxes, regional levies, parcel taxes, waste charges, borough-specific taxes and other fees. Properties can also fall into different classifications. That's why investors need to research the actual property they're considering. Wayne's 5-Step Property Tax Due-Diligence Process When analyzing a new rental property or unfamiliar market: Get the property's actual previous tax bill. Don't rely exclusively on an MLS listing or what the seller tells you. Determine whether the current assessment reflects recent renovations, additions, secondary suites or new construction. Look for separate charges including school taxes, regional levies, parcel taxes, waste fees, stormwater charges and local improvement charges. Verify the property's tax classification and whether your planned use or renovations could change it. Stress test the deal. Don't assume today's property-tax bill will remain unchanged for the next 10 or 20 years. Property Taxes and the 5% Rule This is another reason Wayne emphasizes cash flow. A property that barely works using today's expenses can quickly become a bad investment when property taxes, insurance, maintenance or other costs increase. The 5% Rule™ cash flow test is: (Annual Cash Flow ÷ Down Payment) × 100 5–6% = sufficient 7–9% = strong 10%+ = excellent Cash flow isn't simply money to spend. It's part of the financial buffer that allows an investor to absorb unexpected changes while continuing to hold the property for the long term. Search "The 5% Rule by Wayne Hillier" on Amazon to learn more. REI Masters Mentorship Special Through October 3, 2026, anyone who joins the REI Masters Mentorship Program receives 24 months of mentorship for the price of 12. New members will also be able to attend the upcoming REI Masters Retreat in Edmonton on October 16–17, 2026. Learn more: www.reimasters.ca Canadian Real Estate Investing Morning Show Hosted by Wayne Hillier and Gabby Hillier. Live every weekday at 7:00 AM Mountain Time from Edmonton, Alberta. Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca  

⚖️ What to Do If Your Spouse Lies in Divorce Court? | Los Angeles Divorce What should you do if you believe your spouse is lying in divorce court? The answer isn't to argue, retaliate, or make accusations without support. California courts evaluate evidence presented by the parties, and evidence generally needs to be relevant and properly authenticated before the court can consider it. Documents such as financial records, communications, timelines, and other relevant evidence may help establish the facts surrounding a disputed issue. Depending on the circumstances, formal discovery may also be available to obtain information or documents from the other side. This video explains how to respond when you believe inaccurate information is being presented and why organized, credible evidence is important in a California divorce case.

⚖️ What If Your Spouse Disagrees on Every Divorce Issue? | Los Angeles Divorce What happens when you and your spouse disagree about every issue in your divorce? Disagreements do not automatically mean a divorce has to go straight to trial. Depending on the circumstances, spouses may be able to resolve disputes through communication, negotiation, or mediation. Property, finances, debts, custody, support, and other divorce issues may require careful discussion and documentation. Even when spouses cannot agree on everything initially, some issues may still be resolved before court intervention becomes necessary. If an agreement cannot be reached on certain issues, the unresolved matters may need to proceed through the appropriate legal process. This video explains what options may be available when spouses disagree and why having a structured process can help move a divorce forward.

Read transcriptLIVE from ILADS: Tick Boot Camp sits down with David W. Kazarian, RPh, pharmacist and founder of Infuserve America, for a focused conversation recorded in person at the ILADS Annual Scientific Conference. In this short-form conference interview, Kazarian explores how compounding pharmacy can give practitioners additional options for Lyme disease and tick-borne illness patients dealing with medication sensitivities, reactions to fillers and excipients, alpha-gal syndrome, absorption challenges, and other complexities. With decades of experience working with the Lyme community, he explains why changing the formulation of a medication — not just the active ingredient — can sometimes become an important part of individualized care. This interview was recorded live on the conference floor, so you may hear some of the energy and background activity of ILADS throughout the conversation. What Is Compounding Pharmacy? Kazarian describes compounding as both a science and an art. Commercial medications generally come with predetermined doses, capsules, fillers, dyes, and delivery methods. Compounding gives a pharmacist, working with a prescribing practitioner, the ability to customize certain aspects of a medication for an individual patient's needs. Depending on the prescription and patient, that can include changes to: Medication strength or dosage Fillers and excipients Capsule materials Carrier oils Route of administration Release characteristics Topical or oral formulations Sterile or non-sterile preparations For people navigating complex Lyme disease and other tick-borne illnesses, those details may become particularly important when medication sensitivities develop or change over time. Excipients, Fillers & Medication Sensitivities One of the most important topics in this conversation is excipients — ingredients in a medication other than its primary active pharmaceutical ingredient. Kazarian discusses patients who may have difficulty tolerating ingredients such as dyes, magnesium stearate, titanium dioxide, gelatin capsules, certain carrier oils, animal-derived ingredients, and other fillers. For a highly sensitive patient, the question may therefore extend beyond "Can I tolerate this medication?" to "Can I tolerate this particular formulation of the medication?" A compounding pharmacist may be able to work with the prescribing practitioner to explore alternative formulations when appropriate. Alpha-Gal Syndrome & Animal-Derived Ingredients The conversation also explores alpha-gal syndrome, a tick-associated allergy that can make mammalian-derived ingredients problematic for some patients. Kazarian uses capsules as one example. Traditional gelatin capsules may contain animal-derived materials, while alternative formulations can use vegetable-based capsules. He also discusses carrier oils and other excipients, including MCT, almond, and olive oils, illustrating how even the inactive components of a medication may need to be considered for an individual patient. For people experiencing unexplained new sensitivities, the discussion provides an important takeaway: the active medication isn't necessarily the only ingredient worth investigating. Why Can Medication Tolerance Change? Many people living with Lyme disease and other complex chronic illnesses report becoming sensitive to foods, supplements, medications, or other substances they previously tolerated. Kazarian discusses immune dysfunction as one possible piece of this complicated picture and explains why changing medication tolerance deserves investigation. This is especially relevant for Lyme patients who experience symptoms that change, migrate, or seem disconnected from one another. Rather than automatically dismissing a new reaction because a medication was previously tolerated, the episode explores why practitioners may need to look more closely at both the patient's changing health and the medication's ingredients. Lyme Disease, Coinfections & Complex Illness Kazarian prefers looking broadly at tick-borne illness rather than focusing exclusively on Borrelia. The conversation discusses the polymicrobial nature of tick-borne disease, including coinfections and the potential involvement of immune and inflammatory processes. That complexity leads to one of the central themes of the interview: There isn't necessarily one recipe for every patient. Patients can present differently, tolerate treatments differently, and require different approaches as their health changes. Carrier Oils, Microemulsions & Medication Absorption Kazarian also explains the role of carrier oils and what he describes as microemulsions. Depending on the medication and formulation, these techniques may be used to influence delivery, absorption, or gastrointestinal tolerance. He describes the concept simply as surrounding a drug with fat and explains why understanding the chemistry of both the active medication and its delivery system can be an important part of pharmaceutical compounding. Thyroid Medication as an Example of Precision Medicine Kazarian uses thyroid medication to demonstrate how individualized investigation and compounding can work together. The discussion touches on TSH, T3 and T4, free T3 and free T4, reverse T3, iodine, ferritin, medication ingredients, animal-derived ingredients, bioidentical formulations, and sustained-release compounding. The thyroid discussion serves as a larger example of the questions that can arise with a complex patient: Is the medication itself the problem? Could an inactive ingredient be contributing? Is the formulation appropriate? Is something else in the patient's clinical picture being overlooked? These are questions for the patient's healthcare team to investigate rather than assuming there is a one-size-fits-all answer. Precision Medicine & the Pharmacist's Role A major theme throughout the interview is precision medicine. Kazarian describes the compounding pharmacist as another resource for the treating practitioner when conventional medication options create challenges. Depending on the individual situation, a pharmacist and prescribing clinician may consider a different formulation, excipient, dosage form, route of administration, release method, or active ingredient when clinically appropriate. Kazarian is also clear about something important: the pharmacist does not replace the patient's practitioner. Instead, the pharmacist can become another member of the team, helping the practitioner explore additional options when they encounter a medication-related obstacle. Sterile & Non-Sterile Compounding Infuserve America provides both sterile and non-sterile compounding. Non-sterile compounding can include customized capsules, tablets, topical preparations, and other formulations. Sterile compounding includes preparations requiring specialized sterile environments and procedures, including certain injectable and intravenous medications. With Infuserve America's background in home infusion, Kazarian also discusses prescribed IV therapies, PICC lines and ports, intravenous medications, nutritional IV preparations, Myers' cocktails, and high-dose vitamin C. Giving Practitioners More Tools Perhaps the most important message from Kazarian is that compounding isn't about replacing the doctor or allowing patients to prescribe for themselves. It's about giving practitioners more tools. Kazarian describes receiving calls from practitioners who have reached a difficult point with a patient and want to know what other options may be available. Could an excipient be changed? Could another route of administration work? Could the medication be prepared differently? Those conversations between practitioners and pharmacists can create possibilities that aren't available with an off-the-shelf medication. Patients interested in exploring compounding with their healthcare provider can learn more about working with Infuserve America. About David W. Kazarian, RPh David W. Kazarian, RPh is a registered pharmacist and founder of Infuserve America with decades of experience in pharmacy, home infusion, sterile and non-sterile compounding, and working with the Lyme disease community. His approach emphasizes collaboration between the pharmacist, practitioner, and patient to identify individualized solutions when conventional medication formulations present challenges. Key Topics in This Episode Lyme disease, tick-borne illness, compounding pharmacy, David Kazarian, Infuserve America, medication sensitivities, medication intolerance, excipients, fillers, alpha-gal syndrome, precision medicine, personalized medicine, immune dysfunction, carrier oils, microemulsions, thyroid medication, medication absorption, sterile compounding, home infusion, IV therapy, and practitioner-pharmacist collaboration. About This LIVE from ILADS Interview This short-form interview was recorded in person at the 2025 International Lyme and Associated Diseases Society (ILADS) Annual Scientific Conference, From Terrain to Treatment: Advances in Vector-Borne Illness, held October 9–12, 2025, in San Antonio, Texas. Tick Boot Camp was onsite interviewing doctors, researchers, healthcare professionals, advocates, and innovators working across Lyme disease and vector-borne illness. Explore all Tick Boot Camp LIVE from ILADS interviews to hear more conversations from the conference. More from Tick Boot Camp Hear more conversations with Lyme disease doctors and healthcare professionals about testing, treatment, complex chronic illness, and emerging approaches to tick-borne disease. Explore the Tick Boot Camp Podcast for interviews with patients, doctors, researchers, advocates, and other members of the Lyme disease and tick-borne illness community.

This week we had a real Buffalo legend on the Nickel City Soundtrack Podcast! We had Eric Van Rysdam aka EVR. Depending on how old you are you know EVR for different things. EVR is/was DJ, the man at Home Of the Hits and a musician in bands. EVR is a great friend of the show, he's assisted on a few episodes because of his knowledge of the subjects that we were interviewing. EVR has touched pretty much every part of the music scene here and has contributed to all of those scenes. We talked to EVR about getting into music and just part of life and career. We definitely have more to talk to him about and we will in the future. For now enjoy this! Episode Music Is "I pay the rent" by the Good

This week we had a real Buffalo legend on the Nickel City Soundtrack Podcast! We had Eric Van Rysdam aka EVR. Depending on how old you are you know EVR for different things. EVR is/was DJ, the man at Home Of the Hits and a musician in bands. EVR is a great friend of the show, he's assisted on a few episodes because of his knowledge of the subjects that we were interviewing. EVR has touched pretty much every part of the music scene here and has contributed to all of those scenes. We talked to EVR about getting into music and just part of life and career. We definitely have more to talk to him about and we will in the future. For now enjoy this! Episode Music Is "I pay the rent" by the Good

Make a Logo on Fiverr Making money online is nothing new, but AI has created a different kind of work-from-home opportunity: helping companies train the systems themselves. Companies like Babel Audio offer projects built around video, audio and transcription that can let participants get paid from AI without having to become programmers or machine-learning engineers. I’ve been using Babel Audio myself, primarily for video-based projects, and the experience has been legitimate enough that I’ve received actual payments from the platform. That doesn’t mean it’s effortless money, though, because the amount you earn can depend heavily on project availability, how quickly you move from one task to another and whether your recording setup meets the client’s requirements. See what Babel Audio offers for jobs: https://geni.us/getbabelaudio (affiliate link) How Babel Audio Works and How You Get Paid Getting Started With Babel.audio Compared with some other AI job platforms I’ve tried, Babel had a relatively simple qualification process when I joined. Instead of going through a long series of forms and tests, I completed a basic evaluation, showed that I could meet the requirements and then gained access to available projects. “The cool thing about Babbel is there’s not all those forms that you have to fill out. You basically do a little test and then they approve you from that test.” – Jeffrey Powers The exact onboarding process can always change, but my experience was much more direct than some other AI task services. Once approved, you can see the available work, choose a project and start preparing for the assignment. Video, Audio and Transcription Projects Babel Audio works across video, audio and transcription, although most of my experience has been on the video side because I’m already comfortable working in front of a camera. Depending on the project, you may read a script, take part in a one-on-one conversation, role-play a support scenario or respond naturally to a set of prompts. Some sessions are short and tightly structured, while others allow more natural back-and-forth conversation. After the recording ends, you usually answer a few quick questions about how the session went, return to the queue and wait for the next assignment. What $50 Per Recorded Hour Really Means One of the projects I worked on paid around $50 per recorded hour, but that’s not the same thing as earning $50 for every real-world hour you’re logged in. Waiting for a partner, choosing a topic, reviewing the instructions and getting ready for the recording may not be included in that paid time. Based on my own experience, a more realistic effective rate can land around $20 to $25 per hour when calls are moving steadily. If you’re waiting several minutes between recordings or spending a lot of time preparing each session, that effective hourly rate can drop fairly quickly. The Requirements That Can Make or Break the Job You Need a Controlled Recording Environment The biggest challenge with Babel.audio is that your recording environment needs to be far more controlled than many people expect from a normal work from home job. Background noise from computer fans, dogs, children, traffic or people in another room can become a problem, and even a passing siren or fire truck may affect a video session. Lighting also has to remain consistent, which makes natural window light less useful than it might seem. If a cloud suddenly changes the brightness in the room, that shift can be enough to create issues, so controlled artificial lighting and a stable camera position are usually safer. Glasses, Framing and Quality Grading One of the more difficult requirements I encountered was a no-glasses rule on some video projects because the system needed a clear view of the participant’s eyes. That can become a serious problem for anyone who depends on prescription glasses, especially when some assignments also require you to read scripts or instructions during the recording. Your work can also be graded based on things such as sound, lighting, framing and other project-specific requirements. If problems keep showing up, your daily video allowance may be reduced, and if the limit reaches zero on a particular project, you can be removed from that project entirely. But You Don’t Need a Hollywood Studio Professional gear can help, but it can also work against you if the camera is creating a cinematic look that the project doesn’t want. Features such as strong background blur or bokeh may need to be disabled because the goal is usually a neutral, consistent image that clearly shows your head and shoulders. I use a Shure MV7 microphone, but a good USB microphone can work just fine, and something like a Logitech Brio can be enough for video. The more important factors are clean audio, steady framing, consistent lighting and a room quiet enough that outside noise doesn’t interfere with the recording. Is Babel Audio a Legit Way to Make Money? Payments and Project Availability In my experience, Babel Audio has paid me for the work I’ve completed, and payments have generally been straightforward. I typically receive a notification around Tuesday, then the money arrives through the selected payment method such as direct deposit or PayPal, although one payment did take nearly a week to arrive. The bigger uncertainty is not whether I was paid, but whether the same amount of work will always be available. Projects can end, daily limits can change and one week may offer several options while another may be much slower, so I would not treat Babel income as guaranteed in the same way as a traditional salary. Can Babel Pay the Rent? On one project, I had the option to complete as many as 60 videos in a day, which could turn into a 13- or 14-hour workday if I tried to max it out. When I ran the numbers, doing that level of work consistently for about a week could potentially cover my rent and bills, but that’s based on having enough assignments available and being willing to put in very long days. For me, the more realistic approach is to use Babel audio as flexible income that can supplement other work. A few hours in the morning or during open parts of the day can generate extra money without forcing me to depend on the platform for every dollar I need. Who Babel Audio Makes the Most Sense For Babel Audio makes the most sense for someone who wants an additional AI job they can do from home, is comfortable with video, audio or transcription, and has a quiet enough environment to meet the technical requirements. It also helps if you’re patient with repetitive assignments and understand that client rules can change from one project to another. Based on my own experience, Babelis a legitimate way to get paid from AI, but I wouldn’t call it easy money or guaranteed full-time employment. If you already have a decent camera, microphone, controlled lighting and a quiet room, it can be a useful side-income option — just go into it understanding that the advertised recorded-hour rate and your actual hourly earnings may not be the same thing. See what Babel.audio offers at https://geni.us/getbabelaudio Check out the Geekazine Merch, including "I AM AI " T-Shirt.  Thanks for reading! Don't forget to subscribe to Geekazine: RSS Feed - YouTubeTwitter - Facebook Support Monthly as a Patreon! with a free month!  Tip Me via Paypal.me  Send a Tip via Venmo RSS Bandwidth by Cachefly Get a 14 Day Trial Reviews: Geekazine gets products in to review. Opinions are of Geekazine.com. Sponsored content will be labeled as such. Read all policies on the Geekazine review page.  Reviews: Geekazine is also an affiliate of Amazon.com - Check out my Amazon Page Last Updated on September 26, 2026 11:13 am by Jeffrey PowersThe post Babel Audio Review: Is It a Legit Way to Make Money? appeared first on Geekazine.

Once Pitocin is started, the approach has often been to keep it running through delivery. That protocol, has been built into standard induction and augmentation approaches over time. New research on Pitocin discontinuation once active labor is achieved complicates that approach. There are three major studies we can now look to on this topic. Depending on interpretation, they neither fully support nor fully refute it. This episode breaks down what an effective labor pattern actually looks like by research standards. Provides information on when and how to raise the possibility of Pitocin discontinuation once active labor is achieved with a client before labor starts. We also covers what to do with evidence that pulls in more than one direction at once. Join me as I walk through what three different studies found, where they disagree, and what that means for how you support a client through this conversation. Sources: Whitley J, Burd J, Doering M, Kelly J, Frolova A, Raghuraman N. "Reduced risk of cesarean delivery with oxytocin discontinuation in active labor: a systematic review and meta-analysis." American Journal of Obstetrics and Gynecology. 2025;233(1):25-39.e11. DOI: 10.1016/j.ajog.2025.03.015 Jiang D, Yang Y, Zhang X, Nie X. "Continued versus discontinued oxytocin after the active phase of labor: An updated systematic review and meta-analysis." PLOS ONE. 2022;17(5):e0267461. DOI: 10.1371/journal.pone.0267461 Boie S, Glavind J, Uldbjerg N, Steer PJ, Bor P, CONDISOX trial group. "Continued versus discontinued oxytocin stimulation in the active phase of labour (CONDISOX): double blind randomised controlled trial." BMJ. 2021;373:n716. DOI: 10.1136/bmj.n716

Money can disappear. Careers can change. Popularity fades. Even the people we love most can't promise they'll always be there. So what can actually hold us steady when life falls apart? As we conclude our week on being anchored, we'll look at powerful stories of faith through grief and loss and return to the promise of Hebrews 6:19. Storms will come, but we don't have to face them adrift. What are you depending on to be the anchor for your soul?Pursuing God with Gene Appel is designed to help you pursue God, build community, and unleash compassion. Grounded in Scripture and shaped by Eastside's conviction that God's grace is for everyone, each episode invites you to discover God's presence and activity in your life.

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Your Down Payment Is NOT Enough: The Real Cost of Buying a Rental Property You saved the 20% down payment. You found the property. You got the mortgage. You're ready to buy. Not quite. On today's Canadian Real Estate Investing Morning Show, Wayne and Gabby break down the costs investors often forget when budgeting for their first rental property. Using a hypothetical $500,000 legal suited house, they show why an investor who thinks they need $100,000 may realistically want closer to $116,000 to $117,000 available before closing. The difference comes from expenses that are not necessarily hidden, but are very easy to forget. The $500,000 Rental Property Example Assume you're buying a $500,000 house with a legal basement suite. At 20% down: Down payment: $100,000 Most new investors stop there. But the down payment is only one part of the cash required. Before buying, Wayne and Gabby say investors should also think about: Appraisal Home inspection Sewer scope Legal fees Title insurance or related closing costs Property tax adjustments Immediate repairs Cleaning Furnace and duct servicing Yard cleanup Reserve funds These seemingly smaller costs can quickly add thousands of dollars to the amount required. Appraisal Mortgage lenders commonly require an appraisal to confirm the property supports the value being financed. Wayne and Gabby suggest budgeting roughly: $300–$500 depending on the lender and property. Sometimes the investor does not even notice the cost because it appears through closing adjustments or is withdrawn separately. But you are still paying for it. Home Inspection Wayne and Gabby strongly recommend having the property professionally inspected. For the suited-house example discussed today, they suggest budgeting approximately: $600 A good inspector evaluates the major systems and components of the property, including: Roof Attic Foundation Plumbing Electrical HVAC Appliances Moisture Smoke detectors Doors Flooring Exterior components The inspection also gives you a roadmap of items that may need attention immediately after possession. Sewer Scope This is one Wayne strongly recommends. For an older residential property, he suggests having the sewer line inspected with a camera. Budget approximately: $250–$300 Why? Because a sewer replacement can be extremely expensive. Wayne and Gabby discuss a previous replacement that cost approximately $15,000 before additional related work. A few hundred dollars spent investigating the line can uncover a potentially very expensive problem before closing. Legal Fees Legal costs are another expense investors sometimes underestimate. Depending on the transaction and legal team, Wayne and Gabby suggest costs may range from roughly: $1,500 to $2,000+ Wayne's approach is not to select a lawyer based solely on price. A straightforward transaction is straightforward until something goes wrong. That is when having the right professional matters. Title Insurance and Closing Adjustments Depending on the property and province, investors may also encounter costs such as title insurance. Property tax adjustments are another common surprise. If the seller has already paid property taxes for a period after your possession date, the seller is credited for that amount at closing. That increases the cash you need to bring to the lawyer. The Property Will Probably Need Something Wayne says almost every property they buy requires immediate work after possession. Not necessarily a major renovation. It could be: Expired smoke detectors. Doors that do not close properly. Loose baseboards. A leaking shower diverter. A thermostat that is not mounted correctly. A furnace that has not been serviced. A damaged closet door. Minor plumbing or electrical issues. Individually, these may seem small. Together, they add up quickly. Wayne and Gabby typically budget: $2,000–$3,000 per property for immediate repairs and maintenance. Don't Defer Everything One mistake investors make is saying: "It's not that bad. I'll deal with it later." But deferred maintenance eventually becomes your problem. Wayne and Gabby prefer to fix smaller issues before placing a new tenant whenever possible. That provides a safer, cleaner and better-maintained property for the tenant while reducing the likelihood of emergency service calls later. Cleaning, Furnaces and Landscaping Other costs investors can easily overlook include: Professional cleaning. Furnace servicing. Duct cleaning. Gutter cleaning. Landscaping. Lawn cleanup. These expenses can add hundreds or even thousands more depending on the condition of the property. When Wayne and Gabby added the potential acquisition-related costs together in today's example, they reached approximately: $6,750 beyond the down payment. And there is still one more major item. The Reserve Fund Wayne considers this one of the most important systems an investor can put in place. Start every rental property with a cash reserve. His recommendation: Three months of rent on day one. If the suited house rents for approximately $3,000 per month total, that means starting with: $9,000 in reserves. Then continue depositing some or all of the property's monthly cash flow into that reserve. The reserve grows. Then when something breaks, you use the property's money to fix it. A washing machine fails? Reserve. Furnace repair? Reserve. Vacancy? Reserve. Lower rents? Reserve. The goal is to operate the rental like a business instead of relying on your personal chequing account whenever something goes wrong. $100,000 Becomes $116,750 In today's example: Purchase price: $500,000 20% down payment: $100,000 Potential additional acquisition and repair costs: approximately $6,750 Starting reserve: $9,000 Total amount to consider budgeting: Approximately $115,750–$116,750, depending on the final costs and repairs. The exact number will vary from property to property. The lesson is what matters: Do not save exactly enough for the down payment and assume you are ready to buy. REI Masters Mentorship Promotion Wayne and Gabby also announced a major REI Masters Mentorship offer. Anyone who joins before October 3, 2026 receives: 24 months of mentorship for the price of 12. The program includes: Direct coaching from Wayne and Gabby Weekly coaching sessions Courses and resources Strategy development Personalized roadmap Deal support Access to the REI Masters community The offer also includes entry to the upcoming REI Masters Retreat. Learn more: www.reimasters.ca The 5% Rule™ Want to understand how much cash flow your rental property should produce? Search: The 5% Rule by Wayne Hillier on Amazon. Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

What if you could fight fire with sound?That's the intriguing premise behind an Ohio startup betting big on sonic technology.Depending on who you believe, A.I. can either wipe out humanity or help the U.S. achieve dominance over China.Amid doomsday scenarios, researchers at Anthropic, Open AI, Meta and Google are sounding the alarm – on themselves and the power they've unleashed.Is Washington listening?And finally – we are talking about new headphone technology, Crock-Pot's mission to improve your kitchen's aesthetics, and Roku's expanded streaming services.All of these topics are being discussed on this week's Tech Tuesday.Guests:Geoff Bruder, co-founder and CEO, Sonic Fire TechKate Conger, technology reporter, The New York TimesRussell Holly, director of commerce content, CNET

⚖️ What Happens If You Forget to Include Assets in Your Divorce? | Los Angeles Divorce What happens if an asset is forgotten or left out during a divorce? In California divorce cases, complete financial disclosure is an important part of reaching a fair agreement. Assets, debts, income, and property interests should be properly identified and addressed before the divorce is finalized. If an important asset is later discovered to have been omitted, the issue may require additional legal steps. Depending on the circumstances, the court may review the situation and determine the appropriate remedy. This video explains why full disclosure matters and why accurately listing all assets from the beginning can help prevent future complications.

What if you could fight fire with sound?That's the intriguing premise behind an Ohio startup betting big on sonic technology.Depending on who you believe, A.I. can either wipe out humanity or help the U.S. achieve dominance over China.Amid doomsday scenarios, researchers at Anthropic, Open AI, Meta and Google are sounding the alarm – on themselves and the power they've unleashed.Is Washington listening?And finally – we are talking about new headphone technology, Crock-Pot's mission to improve your kitchen's aesthetics, and Roku's expanded streaming services.All of these topics are being discussed on this week's Tech Tuesday.Guests:Geoff Bruder, co-founder and CEO, Sonic Fire TechKate Conger, technology reporter, The New York TimesRussell Holly, director of commerce content, CNET

Now THIS is going to be a podcast you DO NOT want to miss!    It's time for another episode of our HUGELY popular SIX ROUNDS VIP Guest podcast!   In this episode Rory O'Mara from Closed Bridging Finance and Daniel Hill go behind the scenes with six surprise topics which neither have any idea of!    In this Six Rounds, at 10 minutes a piece, Dan and Rory covered the below HIGHLY PERSONAL questions and in many cases VERY PRIVATE topics which are now yours to enjoy!    Round One: You lose your entire business portfolio, what happens in the next 90 days? Round Two: Where is the property market, what is happening and where is it going? Round Three: What was your first job? Round Four:  When you think about age and life, what is your thought process? Round Five: What's your view on Blockchain, Tockenisation and Bitcoin as a way forward in property and business? Round Six: Property Quickfire (HMOs or serviced accommodation, single let houses or apartments…)   Depending how well you know Dan or Rory, these may or may not seem like the six round topics you would expect to see from two high performing entrepreneurs at the top of their game but that is the beauty of dropping the ego, opening up and going six rounds on The Blueprint Podcast.    Success and Failure are both very predictable.   LET THE GAMES BEGIN!!!!!   We hope you enjoy....!   The property market is creating some of the best opportunities we've seen in years, but you need to be ready to capitalise on them. Applications are now open for the next Property Entrepreneur Programme, starting 14 October 2026. Whether you want to secure your first deal, systemise, scale, or build a business that runs without you day to day, book a discovery call at theprogramme.co.uk . Book your FREE Discovery Call today.    Want to learn more?

The vagaries of the lunar calendar has given us a second September Monday away from the microphone, dropping Yom Kippur right at the start of this week. So we'll have to go with a rerun today. I have to begin by asking, "Do you remember the 21st night of September?" Because if you don't, then our September 22, 2025 episode should remind you: David Waldman and Greg Dworkin are out tomorrow for a little R&R… Rosh Hashanah and Rapture. Depending on how that goes, they'll be back on Wednesday! "Autism" was coined in 1911. Acetaminophen was marketed 40 years later. Tylenol hit the market in 1955, one year after RFK Jr. was born... COINCIDENCE? Yes. Just another of the many coincidences that you can point to, that did not cause your child's autism. Not coincidentally, RFK Jr. stock is dropping about as fast as Tylenol's. Jimmy Kimmel is saved by a TACO. Charlie Kirk, meanwhile, is still dead. Not officially a saint, but definitely a martyr for whatever cause a MAGA could imagine. Charlie was a man of steel, just one tiny bit less bullet resistant than Trump but with a heart of gold that Donald will gladly sell to the highest bidder. Trad wife no more, Nepo/DEI hire Erika Kirk discovers that Tyler Robinson was not black, a Dem, a woman or even antifa, so of course she forgives him. Nürnberg vibes filled the air as DJ Stephen Miller spun the hits of yesteryear. Shhh… Donald K. Trump wants the government to destroy his opposition. Well, that's no secret. Trump has wanted that for years. What are you going to do about it, impeach him? ICE breaks present laws and will break any new ones that you throw at them too. Attorneys that don't break laws fast enough get canned in this administration. Don't you just hate Indians and Koreans? No? Maybe you aren't a tech bro. Tech bros hate Indians and Koreans. If there's a particular nationality that you do hate, there's probably a spot for you in this administration. Republicans are beginning to get sick of winning. There's no denying the Trump administration's obsessive attention to detail, at least when it comes to Hollywood-level casting of their cabinet members. Dirty cop Tom Homan should think before ordering the veal or accepting sacks of cash from FBI agents. Good thing he has friends higher up. The US vaporized some more boaters in the Caribbean that they suspect of things. Suspects remain suspects after they are vaporized. Trump suggests that people should hold off on "water fishing" for the time being… maybe take up "fly fishing?"

Send us Fan MailConfigure-to-order manufacturing has unique ERP requirements because product configuration sits directly between the sales and production processes. Unlike make-to-stock, make-to-order, or engineer-to-order environments, CTO manufacturers rely on configurators to translate customer requirements into products that can actually be manufactured. These configurators may be used internally by sales teams or exposed directly to customers, but the resulting configurations must ultimately flow into executable ERP processes, including bills of material, routings, pricing, costing, procurement, and production. Depending on the product complexity, configurations can range from relatively simple options and attributes to sophisticated, multi-layered product structures, making the integration between front-end configuration and back-end ERP execution critical.In this episode, our host Sam Gupta discusses the top configure-to-order manufacturing ERP systems in 2026. He also discusses several variables that influence the rankings of these ERP systems. Finally, he shares the pros and cons of each ERP system.Video: https://www.youtube.com/watch?v=Ql3IkCx7QDoQuestions for Panelists?

Guided Question What step are you on in learning to live God's way — recognizing your spiritual poverty, mourning what keeps you from Him, submitting your life to His direction, or hungering and thirsting for righteousness? Summary In this episode, Dr. Robert Lewis explores the first four Beatitudes in Matthew 5:1–12 and Jesus' surprising teaching about the path to true happiness. Rather than finding happiness through the things the world tells us will satisfy us, Jesus presents a different way of living—one rooted in dependence upon God, repentance, submission, and a deep desire for righteousness. Lewis explains that the Beatitudes are not merely actions but attitudes that become part of who we are. The first four focus on our relationship with God and build upon one another like steps leading us toward deeper spiritual maturity. The first step is poverty of spirit. To be “poor in spirit” means recognizing our complete inadequacy and realizing that we cannot live this life successfully on our own. Lewis contrasts this with the cultural message of self-sufficiency and emphasizes that spiritual life begins when we are willing to admit our need and cry out, “God, help.” The second step is mourning. Jesus is not simply talking about sadness but about a deep inward grief over the things that block our relationship with God. Through the story of the sinful woman in Luke 7 and the example of the rich young ruler, Lewis shows how genuine sorrow over sin can lead to repentance and ultimately to the comfort God promises. The third step is submission. Lewis explains that biblical meekness is not weakness or passivity but strength brought under control. Just as a wild horse is brought under the control of its rider, believers are called to bring their goals, priorities, time, talents, and desires under God's direction. This submission is an ongoing process as God exposes and removes the areas of resistance in our lives. The fourth and highest step is hungering and thirsting for righteousness. Jesus describes a passion so intense that everything else becomes secondary. Those who deeply desire God, His will, and His righteousness are promised that they will be satisfied. Lewis describes this as the deep fulfillment and stability that the world's temporary promises cannot provide. Lewis contrasts this path with the emptiness that can come from pursuing success, wealth, achievement, intellect, or worldly philosophies without God. He points to Abraham as an example of someone who progressively walked these four steps—leaving what was familiar, allowing God to remove obstacles, submitting to God's direction, and ultimately demonstrating complete trust when asked to offer Isaac. Abraham's life ended with the biblical description that he was “satisfied with life.” The message closes with a personal challenge: What step are you on? Have you admitted your spiritual poverty? Have you mourned deeply enough over the things that separate you from God? Have you submitted your life to His direction? And are you hungering and thirsting for God Himself? Jesus' promise is that this difficult path ultimately leads to comfort, spiritual life, and deep satisfaction. Outline 1. The Foundation of True Happiness Jesus presents a different path to happiness. The Beatitudes establish the foundation for life in God's kingdom. The first four focus on our relationship with God. 2. The Happiness of Poverty Recognizing our spiritual inadequacy. Rejecting self-sufficiency and pride. Depending upon God and receiving the reality of His kingdom. 3. The Happiness of Sadness Mourning over the things that block our relationship with God. Recognizing sin and allowing God to expose it. Finding comfort through repentance and forgiveness. 4. The Happiness of Submission Understanding meekness as strength under God's control. Bringing our goals, priorities, time, and abilities under His direction. Surrendering the areas of resistance in our lives. 5. The Happiness of Hunger Developing an intense desire for God and His righteousness. Moving beyond spiritual complacency. Trusting Jesus' promise that those who hunger and thirst will be satisfied. 6. The Path to a Satisfied Life Abraham demonstrates these principles through his life. Worldly pursuits cannot provide lasting satisfaction. True happiness comes from living according to God's way. Key Takeaways True happiness is found through a life oriented toward God. Spiritual poverty begins with admitting that we need God. Mourning over sin can lead to repentance and comfort. Meekness means bringing our strength and self-will under God's control. Following God requires surrendering the areas of resistance in our lives. Spiritual hunger means developing a deep desire for God and His righteousness. The things that seem difficult in Jesus' teaching are ultimately intended to lead us to life and satisfaction. Worldly success, possessions, and achievement cannot provide the deep fulfillment found in God. The four Beatitudes build upon one another: poverty → mourning → submission → hunger and thirst for righteousness. Jesus promises that those who pursue this path will ultimately be satisfied. Scripture References Matthew 5:1–12 — Jesus introduces the Beatitudes and the path to true happiness. Matthew 5:3 — Spiritual poverty recognizes our need for God. Matthew 5:4 — Those who mourn over spiritual brokenness will be comforted. Matthew 5:5 — The meek, those submitted to God, will inherit the earth. Matthew 5:6 — Those who hunger and thirst for righteousness will be satisfied. Isaiah 57:15 — God dwells with the humble and contrite. Luke 7:36–50 — A sinful woman demonstrates deep mourning, faith, and repentance. Romans 7:15–25 — Paul recognizes his struggle with sin and cries out for deliverance. James 4:4–10 — Believers are called to reject friendship with the world, repent, and humble themselves before God. 2 Corinthians 7:8–11 — Godly sorrow produces repentance. Mark 10:17–27 — The rich young ruler struggles to surrender what stands between him and following Jesus. Daniel 7:27 — The saints of the Most High are promised dominion over the kingdoms. Genesis 22:1–18 — Abraham demonstrates complete submission and trust in God. Genesis 25:7–8 — Abraham dies at a good old age, described as satisfied with life. Ecclesiastes 12:1, 13–14 — Solomon urges people to remember their Creator and live in light of God's ultimate purposes.   Recorded 2.20.83

⚖️ What Happens If a Spouse Violates a Divorce Settlement Agreement? | Los Angeles Divorce What happens if your spouse refuses to follow the terms of a divorce settlement agreement? A divorce settlement agreement is not simply a personal promise between two people. Once terms are included in a court-approved judgment or order, they may become legally enforceable. If one party fails to comply, the issue may need to be addressed through the proper court process. Keeping records of missed payments, unpaid obligations, or other violations can help provide important documentation when seeking enforcement. Depending on the circumstances, the court may have different options available to address non-compliance. This video explains what happens when a spouse violates a divorce settlement agreement and why following the correct legal process matters.

In this episode, compost specialist and owner of Living Roots Compost Tea Troy Hinke breaks down the nuances of making and using compost tea depending on what you're growing and what your goals are.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Have you come to accept that your unconditional love has limits? And if so, how do you love anyway?For our 200th episode, Jen writes to her senior dog, Stuggi, after a late-night shriek jolts her awake. For the next 48 hours, she grapples with how to care for him as he paces around, night and day, afraid to lie down without hurting himself.If you're a dog parent who loves your fur baby with all your heart, this letter is for you.Letter 200 is part of The Filipino American Woman Project's letters series, inspired by real conversations……and this concludes our Summer Edition! Thanks for listening! ☀️As a reminder: I will be taking a break from publishing letters for Filipino American History Month (FAHM) to engage with YOU!

Discover Lafayette welcomes Missy Rogers, founder and president of Noble Plastics, an advanced manufacturing company headquartered in Grand Coteau, Louisiana. Noble Plastics is a remarkable Acadiana success story. What began in 2000 with one injection molding machine and Missy as the company's sole employee has grown into a sophisticated manufacturing operation specializing in precision injection molding, engineering and robotic automation. A mechanical engineer by training, Missy built Noble Plastics around a deceptively simple idea: solve difficult problems for customers and be willing to manufacture things others say cannot be done. But as Missy shares in our conversation, Noble's success has never been about one person.“It's never been about me, and it's never been something that can be achieved by an individual. I think the sooner you recognize that, the sooner you empower the capable people around you.” From Engineering to Entrepreneurship Missy grew up on the West Bank of New Orleans and earned her mechanical engineering degree from LSU. Today, she serves in advisory capacities at both LSU and UL Lafayette, and after three decades in the Lafayette area, she considers Acadiana home. Her grandfather, an engineer himself, had a profound influence on her life and leadership philosophy. He taught her to see herself as “a piece of the whole, not the head of the whole,” a lesson she continues to emphasize as Noble develops new managers and leaders. Missy met her husband, Scott Rogers, while both were mechanical engineering students at LSU. She describes herself as the analytical engineer and Scott as the creative, visionary engineer. Their complementary strengths eventually helped launch Noble Plastics. In the late 1990s, both were working in the energy sector when Scott recognized opportunities to use advanced plastics in applications traditionally dominated by steel. The automotive industry was already turning to lightweight materials to reduce weight and cost, and Missy and Scott both saw potential for the same transition in energy and defense. Plastics could offer properties particularly useful in demanding applications: chemical neutrality, electrical insulation, lighter weight and the ability to replace certain metal components. There was skepticism. Missy remembers being told some of their ideas simply couldn’t be done. But that became part of Noble’s niche. “Sometimes it takes a visionary who doesn't see the limits, like my husband. And then a person like myself who will say, ‘Yeah, I believe in you. I'll support this. Let's find a way.'” Building a Company and a Family at the Same Time Noble Plastics’ first home was the rear of a rented building in an industrial park off Ambassador Caffery. Missy had a detailed five-year business plan, but life quickly reminded this self-described planner that not everything fits neatly into a spreadsheet. She and Scott already had two young children when Missy unexpectedly became pregnant with their third. Her attorney and accountant jokingly pointed out that there was nothing on page 17 of her carefully constructed business plan about having a baby in the third quarter. Her son spent much of his first year in a Pack ‘n Play in her office. Missy recalls holding him while a client signed a contract, handing the baby to the client, and then signing the agreement herself. That experience helped define the kind of people Noble wanted to work with: clients who valued relationships, local jobs and a company that understood their industries. What Exactly Does Noble Plastics Make? Noble is not making disposable cups, water-bottle caps or other commodity plastic products. The company occupies a highly specialized precision manufacturing space. In injection molding, solid plastic pellets are heated under pressure until the material flows, injected into a precision mold and then cooled back into a solid form. Depending upon the material, temperatures can reach the 500-, 600- or even 700-degree range. And these are not necessarily ordinary plastics. Noble works with specialty materials containing glass fiber, carbon fiber, nanotubes and other components engineered for strength, durability, heat management and insulating properties. Missy offers a wonderfully understandable description of the highly sophisticated equipment Noble Plastics operates: “They are like giant hot glue guns.” The difference is what comes out of those “hot glue guns.” Noble Plastics manufactures precision components used in energy, defense, solar, sporting goods and other industries, often creating parts the average consumer will never see. “What we make really matters in the programs that they go into,” Missy says. “And there's a sense of pride for that.” Perhaps no story better illustrates the breadth of Noble’s work than one Missy recalls from about 15 years ago. On the same day, Noble’s smallest machine was producing super-glue extender caps used to attach fake fingernails, while its largest machine was manufacturing components for a TOW missile launcher. “That's about as wide a spectrum of markets and clients” as you can imagine. Why Plastics Matter to Louisiana Missy also offers a fascinating perspective on an economic opportunity Louisiana has historically left on the table. When Noble was founded, she recalls Louisiana ranking at or near the top nationally in the manufacture of plastic materials because of the state’s enormous petrochemical industry. Louisiana plants produced polyethylene, polypropylene and other materials derived from petroleum and natural gas. Yet much of that material left Louisiana before being converted into finished products. Missy believes manufacturing provides an opportunity to close more of that supply chain loop within Louisiana, particularly as companies increasingly focus on reshoring and domestic production. “I think it's going to be a beautiful age for Louisiana economic development to recover our manufacturing base.” Noble’s $8.5 Million Expansion in Grand Coteau Noble is now entering another significant chapter. The company announced an $8.5 million expansion of its Grand Coteau headquarters to increase production capacity, including work for solar technology manufacturer First Solar. Noble will manufacture plastic housings that protect electrical components carrying energy from photovoltaic panels into electrical systems. At the time of our interview, Noble employed people numbering in the mid-to-high 60s, with Missy expecting that number to move into the mid-to-high 70s by the end of the year. She believes the company could surpass 100 employees next year. For a founder who once was the only employee, she admits that “100” is a slightly intimidating number. Those jobs aren’t limited to engineers. Noble employs setup technicians, quality technicians, maintenance personnel, production workers, warehouse employees, shipping and receiving staff, along with professionals in sales, accounting and other support roles. Missy is particularly proud of the opportunity Noble provides people who may never have imagined themselves working in advanced manufacturing. “We're finding people who with very basic education are discovering they have some natural gifts, and we do what we can to further their education, certifications, to increase their earning power for themselves and their families.” How Katrina Led Noble Plastics to Grand Coteau Noble’s arrival in Grand Coteau came through an unexpected turn of events following Hurricane Katrina. The company had ordered a large molding machine that would not fit into its existing Lafayette facility. Missy had signed a performance contract and needed a larger building quickly. Noble made a full-price offer on a Lafayette property that would accommodate the new equipment. Then Katrina struck. Rather than receiving an acceptance, Missy says the real estate agreement was torn up and the property was relisted for five times its previous asking price. With a machine on the way and a contract to fulfill, she began searching desperately for another option. While regularly driving the I-49 corridor to visit her in-laws, she noticed a building along the frontage road in Grand Coteau. It wasn’t for sale. Missy approached the owner anyway, explaining who Noble Plastics was and the type of company she hoped to build: clean, safe manufacturing that could have a positive impact on a small community. The owner shared that vision, and they made a deal. Noble Plastics has been part of the Grand Coteau community ever since. Creating Opportunity Without Artificial Barriers Missy speaks passionately about workforce development and giving people an opportunity to discover talents they may not know they possess. Noble Plastics has a significant number of women in leadership, including in human resources, operations, quality control and production. Missy says the company doesn’t approach manufacturing jobs through assumptions about gender, formal education or previous experience. The trait that matters most is care. “If we get a person who is conscientious about their work, we're going to find a way for them.” Because Noble Plastics serves customers whose products often have important safety and performance requirements, employees must be meticulous, thorough and proud of the quality of their work. “There's opportunity for everybody,” Missy says. Robots Don’t Have to Take Human Jobs Robotics has been embedded in Noble’s manufacturing philosophy almost from the beginning. The company’s robots remove parts from molding machines, inspect them and perform repetitive processes with extraordinary consistency. Noble has self-integrated FANUC robotics for more than two decades and has also designed automation systems for other manufacturers for roughly 15 years. Missy challenges the familiar fear that automation simply eliminates human jobs. In manufacturing, she explains, robots are particularly useful for jobs described as “dirty, dumb or dangerous.” “Human dignity is beyond that. And so it's less about our robots taking our jobs away than it is, well, let's have people do the things that matter. And let's have robots pick and clip and twist and place.” For Noble, automation allows people to focus more heavily on judgment, quality and attention to detail while machines handle repetitive physical tasks. Engineering, AI and the Value of Human Judgment Missy remains an enthusiastic advocate for engineering as a career, particularly for young people wondering how artificial intelligence might reshape their futures. She doesn’t believe engineering will be replaced by AI. The software, simulations and analytical tools engineers use will undoubtedly become faster and more powerful. Noble itself relies on sophisticated software and simulations. But Missy still keeps graph paper and a pencil nearby. “I'm pretty old school,” she laughs. “My gray hair has been earned.” Ultimately, she believes human judgment and accountability remain essential in fields where public safety is involved. Serving the Federal Reserve Missy’s perspective on manufacturing, workforce development and the economy has also led to an extraordinary leadership role beyond Noble Plastics. She chairs the board of directors of the New Orleans Branch of the Federal Reserve Bank of Atlanta. She readily admits she loves the work. A self-described “numbers nerd,” Missy says her involvement grew from opportunities to share what she was seeing in manufacturing, automation, capital investment and broader industry trends. Her Federal Reserve service has reinforced something she already believed deeply: economic development ultimately comes down to people and opportunity. Acadiana, she says, possesses a cultural willingness to say, “We can do this” and “I will try it.” And that matters when Louisiana competes for investment. “You can't wait for somebody to pick you and just sprinkle money into your community. You've got to want those companies to come in, because they've got to believe that you're going to help them become successful.” Missy believes Acadiana has precisely that kind of workforce. “Give us a shot.” The “Win, Win, Win” Philosophy One theme runs throughout our conversation with Missy: business doesn’t have to be a zero-sum game. She contrasts the “I have to win, so you have to lose” mentality she has sometimes encountered elsewhere with the collaborative approach she sees in Acadiana. “The best outcome is win, win, win. My company can win. My client's company can win. And the ultimate user of the product wins. Let's do this together.” That philosophy extends beyond Noble itself. A growing manufacturer needs trucking companies, boxes, uniforms, accounting, banking, technology services and countless other businesses. One company’s growth creates opportunities throughout the community. Missy Rogers wants young people to see a future for themselves here. “There's a lot of good companies. There's a lot of good opportunity. I want our students to stay here and find it here.” “Young people need to know and believe that they can trust in themselves and they can trust in the community. We want you to succeed. We want you to take your idea and manifest it into something that's going to have impact beyond your own vision.” From a 3D Printer to 10,000 Parts For inventors, Missy offers a practical lesson in how products move from an idea to mass production. Today’s affordable 3D printers have made it possible for almost anyone to experiment, prototype and create. She loves that accessibility because it encourages people to become makers again. But there comes a point when a successful invention outgrows the 3D printer. If you need five or twelve pieces, 3D printing may make perfect sense. If suddenly Walmart, Target or Amazon wants 10,000 of them, Missy says that’s when Noble’s phone should ring. Injection molding is a volume business because the precision steel molds themselves can cost tens or even hundreds of thousands of dollars. Once that investment is made, however, individual parts can be manufactured efficiently at tremendous scale. Noble has products for which it manufactures approximately a quarter-million units per week. And When Missy Isn’t Thinking About Manufacturing… She reads. A lot. Missy also loves to cook and has one particularly impressive creative pursuit: she makes and hand-paints chocolates. Think dark chocolate cherry bourbon truffles and brandy truffles, decorated by hand. And yes, the founder of Noble Plastics appreciates the irony. “I do have some excellent mold-making capabilities.” Believe That Things Are Possible Perhaps the most compelling aspect of our conversation with Missy Rogers is not injection molding, robotics or even the extraordinary growth of Noble Plastics. It is her belief in people. Her story is one of engineering and entrepreneurship, but also of family, mentors, employees, customers and a community willing to help one another succeed. Twenty-six years after that first machine arrived, she still talks less about what she has accomplished than about what becomes possible when talented people are given an opportunity. For more information, visit https://nobleplastics.com/.

Depending on when you hear this podcast, Bob will have already undergone a very intense and lengthy surgery, or maybe be in the recovery room, ICU, or his hospital room. The surgery was scheduled for early Friday morning, the 18th of September, then afterwards a substantial period of recovery. For many, surgery brings fear, just like the pandemic did over 6 years ago. However, for those of us of faith, this should just be another day of trust. Bob explains and brings back a memory from over 6 years ago. This may just be the program you, or someone you know and love, need to hear. Share with others and pray for Bob's speedy return to the microphone.Now, do you believe in this ministry? If you do, you can keep us on the air as a radio program and podcast by visiting our website. It is more urgent than ever that you do. https://truth2ponder.com/support. You can also mail a check payable to Ancient Word Radio, P.O. Box 7037, Port Saint Lucie, FL 34985. Thank you in advance for your faithfulness to this ministry.

What's coming in the future, as it pertains to the end days, is nothing short of miraculous. Depending on your relationship with Jesus, it might even be scary. As Pastor Bill takes you to the first chapter of Revelation today, you'll see how important it is to be right with God before the day comes when Jesus returns. There will be fear, and wars, and deception. But, as scary as it may sound, the end is glorious for those who put their hope in Christ. His followers get an eternal home in paradise with Him.

Case 213: The Logan Inn: A Haunted Room, a Dead Soldier and the Mystery of EmilyThe Logan Inn in New Hope, Pennsylvania, has been welcoming travellers for nearly 300 years, and with that history has come a formidable collection of ghost stories.Room 6 is at the centre of many of them.Guests have reported unexplained footsteps, voices, moving objects, pillows being pulled from beneath their heads, strange figures reflected in mirrors and the unmistakable scent of lavender. And then there is Emily, the woman said to haunt the room.But who was Emily?Depending on who tells the story, Emily has been described as the mother of a former owner, the daughter of the owners, a former owner herself, and even confused with other female spirits at the inn. Her portrait, her furniture, where she lived, where she died and even the paranormal activity attributed to her have changed as the story has been retold.Anne traces the evolution of the Emily legend, going back through older accounts to discover what was originally reported, what was added later, and what we can actually establish about the real Emily Lutz.And Emily isn't the Logan Inn's only mystery.Deep beneath the inn is a basement where, according to legend, bodies were once stored when the frozen Pennsylvania ground made burial impossible. One particularly disturbing story claims that a man, later described in some versions as a Revolutionary War soldier, was placed amongst the dead only to wake and discover that everyone believed he was already a corpse.Did it really happen? Is there evidence that bodies were ever stored beneath the Logan Inn? And how did a story about a man mistakenly believed dead evolve into reports of a ghostly soldier roaming the building and a disembodied voice calling for “help”?Renata takes us through the extraordinary history of one of Pennsylvania's oldest inns, while Anne investigates the reported hauntings, eyewitness accounts, paranormal investigations and the changing folklore surrounding Emily, Room 6 and the soldier in the basement.After almost three centuries of history, is the Logan Inn genuinely haunted, or have generations of storytellers created ghosts with histories far more certain than the evidence?It's time to decide whether the Logan Inn is a True Haunting.Find Anne & Renata / True Hauntings

Cattle futures were lower again Thursday, with steady to lower negotiated cash fed cattle prices and likely positioning ahead of Friday's Cattle on Feed report. Depending on the estimates considered, analysts expect August placements to be down about 3%, August marketing to be about 4% less and the Sept. 1 cattle on feed inventory [...]

Minneapolis Public Schools is considering three restructuring plans that would leave 15 or 16 buildings without K-12 programming. Depending on the proposal, 12 percent to 14 percent of students would be affected by school mergers or boundary changes. Two judges at the Fort Snelling immigration court have stepped down. Their departures last month mean there are just four full-time judges to handle tens of thousands of cases. The immigration court — part of the Executive Branch — decides deportation and asylum cases.The city of Fargo and a police detective are being sued by a woman who says she was falsely arrested after police relied on artificial intelligence. Angela Lipps was arrested in Tennessee last year and held in jail for six months in connection with a case of bank fraud in Fargo.

Should you stop your Roth conversions at the 22% tax rate, or push into the 24% bracket?  David McKnight responds to a viewer's detailed case for stopping early, revealing why optimizing this year's tax bill can be the wrong retirement planning move over a 30-year horizon. You'll discover his "rip the band-aid off" approach and why saving money on taxes today isn't a victory if it costs you more tomorrow. In a recent video, David McKnight explained why he believes the 24% tax bracket is the sweet spot in the current tax code for Roth conversions. In this episode, he addresses a viewer's comment that laid out a pretty detailed case for why he believes it makes sense to stop at the 22% bracket. The main difference between these approaches, David stresses, is that his viewer is optimizing the tax bill in the year of conversion – while David tries to optimize your tax bill over the balance of your lifetime.  David illustrates why those two approaches can lead you in two entire different directions. Depending on the size of your IRA, the amount you're spending every year, your expected rate of return, and how many years you have before RMDs begin, you may simply not have enough space in the 22% bracket to get any meaningful amount of conversion done. Most of David's clients don't have $100,000 per year of taxable investment income coming out of a brokerage account. The lion's share of their retirement savings tends to be sitting in IRAs and 401(k)s, and they're generally taking distributions from those accounts to support their lifestyle. David discusses his so-called "rip the band-aid off" approach to Roth conversions. The biggest problem with his viewer's argument is the focus on calculating what it costs to convert the money today, without asking what it's going to cost if we don't convert it. The choice may be between paying a somewhat painful tax rate today or allowing that money to compound inside the IRA for another 10-15 years.  That may lead you to deal with larger RMDs, potentially higher tax rates, more taxation of social security, potentially more IRMAA, and the eventual death of one of the spouses. David wonders whether, with the approach suggested by his viewer, you're actually solving the problem or just postponing it. "Because saving money on taxes today isn't much of a victory if doing so ultimately causes you to pay even more over a 30-year retirement", he concludes. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube

Do you actually need a Leap Card when visiting Dublin or traveling around Ireland? Maybe, but the Leap Visitor Card isn't automatically the best choice just because you're a visitor. Dublin city centre is compact and very walkable, and I rarely use public transportation when I'm exploring the city. Depending on your plans, individual fares or a Standard Leap Card may cost less than a Visitor Leap Card. Full article for indepth info & links: https://irelandfamilyvacations.com/leap-card-ireland/ireland-travel-tips/ In this episode I'll explain: • The difference between a Standard Leap Card and Leap Visitor Card • How much the Leap Visitor Card costs • Whether a Leap Card can actually save you money • Where you can use a Leap Card in Dublin and around Ireland • Where Leap Cards aren't accepted • Why you may not need a Leap Card at all • How and where to purchase one Planning to take the DART to Howth? I'll also show you a real-world fare comparison that may make you rethink the €8 one-day Visitor Card. Additional information mentioned in the episode: - How to get around Ireland: https://irelandfamilyvacations.com/travel-ireland-bus-car-train/planning-your-irish-vacation/ - How to use your mobile phone in Ireland: https://irelandfamilyvacations.com/tips-using-mobile-phone-ireland/ireland-travel-tips/ - WifiCandy: IrelandfamilyVacations.com/wifi (use code IFV10 for discount_ - Ireland Itinerary Review: irelandfamilyvacations.com/review Ireland Travel Resources: - Car Rental & Driving Guide: https://irelandfamilyvacations.com/drive - DIY Ireland Travel Planner: https://irelandfamilyvacations.com/compass - Expert Ireland travel advice by email: https://ifv.kit.com/51952569c5

From A Glossary of the People, Places, and Events of Alkyon  City Watch— Most settlements on the continent have found some way to defend themselves from outside threats, and those of significant size often employ a militia commonly called a City Watch or Guard. Watch members are usually trained and outfitted by the city and funded via taxation. Depending on local politics, the Watch may function as public peacekeepers or more as a private mercenary force for the wealthy and influential. While their authority is more or less complete, a Watch's jurisdiction rarely extends beyond city walls or nearby outlying farms.   This week, on The Stormwrought Shores, The Jewel of Ouvira, part 4.    Support us on Patreon: https://www.patreon.com/unexploredcast Follow us on Tumblr: https://unexploredcast.tumblr.com/ Art by Ben Music by Andrew: https://andrewperricone.bandcamp.com/ Transcripts: https://unexploredcast.tumblr.com/transcripts

The cicadas are fading, the bell crickets are singing, and autumn is beginning to creep into Japan. There's an old saying: aki no hi wa tsurube otoshi—“an autumn day falls like a well bucket”—describing how suddenly darkness arrives this time of year. But Tsurube Otoshi is also the name of a very strange yōkai. Depending on where you are, it might be a well bucket dropping from an old tree, a mysterious ball of fire, a severed head, or something waiting above the road to haul unlucky travelers into the branches and eat them. This episode: bell crickets, autumn insect listening, old Japanese sayings, and one wonderfully bizarre yōkai that gives you another reason to look up. Learn more about your ad choices. Visit megaphone.fm/adchoices

Everybody wants more visibility—more followers, more views, more reach, and more people discovering their business. But what happens after they find you? In this episode of Social Media Decoded, visibility strategist and Thames Media Solutions founder Michelle Thames challenges entrepreneurs to stop thinking only about getting more attention and start thinking about where that attention is going. Because visibility without a next step is just attention. If 10,000 new people discovered your business today, would they know what to do next? Could they join your email list? Book a strategy call? Join your membership? Attend your event? Buy your product? Start a conversation? Or would they simply consume your content and keep scrolling? Michelle breaks down how to build a visibility ecosystem that turns attention into relationships, opportunities, community, and revenue. In This Episode, You'll Learn: Why more visibility isn't always the solution to your marketing problem The difference between attention and intentional visibility Why going viral doesn't automatically create revenue What should happen after someone discovers your content Why every business needs a clear destination for its visibility How to choose the right call to action based on your content Why your email list, events, membership, products, services, and conversations should work together How to build a customer journey instead of collecting followers Why content should be the entrance to your ecosystem—not the entire strategy How Michelle is applying this strategy while building Connected & Paid and Connected & Paid Live Why in-person events can deepen relationships that started online How community can become part of your business growth strategy Why proximity, introductions, conversations, and relationships matter in an AI-driven world How to connect social media, email, podcasting, events, offers, and community Why follower count doesn't necessarily equal business strength The five questions to ask when auditing your visibility ecosystem Visibility Without a Next Step Is Just Attention A Reel can get 20,000 views. A post can go viral. A speaking engagement can put you in front of hundreds of people. But if those people don't know where to go next, much of that attention disappears. Visibility creates the opportunity. Strategy builds the bridge. Instead of only asking, “How can I get more people to see me?” Michelle encourages entrepreneurs to ask: “What do I want people to do after they see me?” That's where visibility starts becoming a business strategy. You Need a Destination Your destination doesn't have to be the same for every piece of content. Depending on your business, the next step could be: Joining your email list Booking a strategy call Entering your membership Registering for an event Purchasing a product Listening to your podcast Starting a conversation The goal isn't to give your audience ten different calls to action at once. It's to create a logical next step based on where they are in the relationship with you. Content Gets Attention. Your Ecosystem Does the Rest. Your social media shouldn't exist separately from your email. Your email shouldn't exist separately from your offers. Your podcast shouldn't exist separately from your events. Your events shouldn't exist separately from your community. Instead, think about the journey: Content → Conversation → Relationship → Community → Opportunity → Revenue Someone might discover you through a Reel. That Reel could lead them to your podcast. Your podcast could lead them to your email list. Your email could invite them to an event. The event could create a relationship. That relationship could eventually lead to a client, collaboration, referral, partnership, or another opportunity you couldn't have predicted. That's an ecosystem. Building Connected & Paid Live Michelle also takes listeners behind the scenes of how she's thinking about Connected & Paid Live. Rather than simply trying to sell event tickets, she's intentionally building a room where women can create relationships, make introductions, have meaningful conversations, and discover new opportunities. From speaker announcements to preview calls, podcast episodes, community conversations, and event content, each piece is designed to help people understand the vision behind the room and decide whether they want to become part of it. Because sometimes the most valuable thing that happens at an event isn't what happens on the stage. It's meeting the person sitting next to you. Your 5-Question Visibility Audit Ask yourself: 1. Where are people discovering me? Social media? Search? Referrals? Speaking? Podcasting? Networking? Events? 2. What do I want them to do next? Choose a primary next step instead of sending people in ten different directions. 3. Is the next step obvious? Could someone discovering you for the first time figure it out quickly? 4. What happens after they take that step? How are you nurturing the relationship and staying connected? 5. What is the deeper destination? Is the ultimate goal a service, product, membership, event, community, partnership, or client relationship? When you can answer those questions, you're no longer simply creating content. You're building an ecosystem. Join the Next Fill the Room Preview Call If you've been watching Michelle build Connected & Paid Live and you're curious about the room, join the next Fill the Room preview call. Michelle will walk you through what she's creating, who Connected & Paid Live is for, what you can expect from the experience, and why she believes this room is going to be special. Not only because of who's on the stage—but because of who's going to be sitting next to you. DM Michelle the word ROOM for information about the next Fill the Room preview call and Connected & Paid Live. Join the Conversation If you're listening on Spotify, answer this question in the comments: Where are you currently sending people after they discover you? Your email list? Website? Strategy call? Membership? Event? Or nowhere yet? And if you're listening on Apple Podcasts, leave a review and share your biggest takeaway from this episode. Key Takeaway You don't always need more visibility. You need somewhere for your visibility to go. Content gets attention. Your ecosystem turns that attention into relationships and revenue. Stop measuring your entire marketing strategy by how many people saw you. Start building a clear path for the right people to discover you, trust you, enter your world, and take the next step. Because visibility gets you noticed. Your ecosystem gives people a reason to stay. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“MK Confidential” opens on a mother and daughter enjoying pizza and sodas outside of a California Costco. A distant man looks on. The mother polishes off her soda and chucks the cup into the trash as they leave. Within seconds, the man closes the gap to the trash can and slips the cup into a manila envelope. He is an “operator” in a secretive division of the LAPD. They are investigating one of their own. The cup has her DNA.Megyn follows four homicide detectives from Van Nuys as they reverse-engineer a cold case, knowing the murderer is a woman. They winnow the list of possible suspects in Sherri Rasmussen's life to five, and from there, to two — women for whom Sherri would have opened her front door, with a motive for murder. DNA from a bite on Sherri's arm rules out one. The other is a match.The killer is LAPD detective Stephanie Lazarus. Depending on whom you ask, Stephanie is an acquaintance, a friend, or an on-and-off lover of Sherri's husband. The detectives ask her directly: do you know John Ruetten? This is Episode 3 of the Sherri Rasmussen story.Lean: Discover why LEAN is becoming the choice for real weight‑loss results—shop now at https://TAKELEAN.com use code KELLYHome Title Lock: Go to https://hometitlelock.com/megyn and use promo code MEGYN to get a FREE title history report and a FREE TRIAL of their Triple Lock ProtectionFollow The Megyn Kelly Show on all social platforms:YouTube: https://www.youtube.com/MegynKellyTwitter: https://Twitter.com/MegynKellyShowInstagram: https://Instagram.com/MegynKellyShowFacebook: https://Facebook.com/MegynKellyShow
Find out more information at:
 https://www.devilmaycaremedia.com/megynkellyshow Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.