Podcasts about Document

The evidence is in. The witnesses have testified. And now the Kouri Richins murder trial moves into its final act — closing arguments and the deliberation room where this verdict will be built or broken.Former FBI behavioral analyst Robin Dreeke joins Tony Brueski for Part 2 of the listener Q&A, focused on what this jury will actually do with three weeks of testimony and how this verdict is likely to take shape.Dreeke opens with deliberation psychology in a circumstantial case. No smoking gun. No confession. No direct forensic link. How do jurors move from reasonable inference to the legal standard of reasonable doubt? He maps the behavioral process of how people build and resist consensus — and what the specific contours of this case suggest about how that dynamic plays out.The forensic accountant's testimony gets examined here too. Dry. Document-heavy. Dense with loan records, failed real estate deals, and accounts reportedly running red. That kind of evidence doesn't produce the visceral reaction of testimony about fentanyl and obituaries pinned to mirrors — but Dreeke explains why financial evidence often does more durable work in the jury room than emotional testimony ever will.The defense left one thread specifically unresolved: a man who allegedly told investigators Eric sought to purchase fentanyl from another source — never followed up on. If jurors are aware of that, Dreeke explains what it does to the behavioral narrative they've been constructing.And jury instructions — handed to jurors before closing arguments — represent the architecture of how a verdict actually gets constructed. Dreeke is clear-eyed about the behavioral gap between what those instructions require and what twelve people actually do when gut feeling and legal standard don't move in the same direction.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #EricRichins #KouriRichinsTrial #JuryDeliberations #TrueCrime #HiddenKillers #RobinDreeke #CircumstantialEvidence #MurderVerdict #InvestigativePodcast

No SciCast dessa semana conversamos a respeito do Guia Alimentar da População Brasileira, um dos instrumentos legais que norteiam toda a política de combate à fome, segurança alimentar e nutrição em diversas fases da vida. O Guia foi desenvolvido no Brasil, mas já ganhou repercussão internacional, com novos estudos utilizando métricas e classificações dele para definir os novos espaços e sistemas alimentares atuais. Ainda aqui, iremos trabalhar com a ideia de ultraprocessados, e entender toda a polêmica por trás dessa classificação. Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://www.instagram.com/PortalDeviante/ Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Tarik Fernandes, Emanuelle Salustiano, Ruan Santos, Lênin Machado e Yasmin Pussente Citação ABNT: Scicast #682: Ultraprocessados e a classificação Nova. Locução: Tarik Fernandes, Emanuelle Salustiano, Ruan Santos, Lênin Machado e Yasmin Pussente. [S.l.] Portal Deviante, 16/03/2026. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-682 Imagem de capa: Referências e Indicações Sugestões de literatura: TULLEKEN, Chris van. Gente ultraprocessada: por que comemos coisas que não são comida, e por que não conseguimos parar de comê-las. Tradução de Laura Teixeira Motta. São Paulo: Elefante, 2024. SCRINIS, Gyorgy. Nutricionismo: a ciência e a política do aconselhamento nutricional. São Paulo: Elefante, 2021. Sugestões de filmes: Documentário “Muito Além do Peso” MUITO ALÉM DO PESO | Filme Completo Sugestões de links: O indigesto sistema do alimento mercadoria https://www.scielo.br/j/sausoc/a/SL48V3NbbVNPNNRXybCqfqP/?format=html&lang=pt O capitalismo também mata pela boca https://criticarevolucionaria.com.br/revolucionaria/article/view/1/39 https://revistapesquisa.fapesp.br/quantidade-de-cacau-no-chocolate-meio-amargo-e-similar-ao-das-versoes-ao-leite-e-branco-aponta-estudo https://www.revistaquestaodeciencia.com.br/artigo/2025/06/16/novo-capitulo-na-saga-dos-ultraprocessados https://ojoioeotrigo.com.br/2025/03/faz-sentido-falar-em-ultraprocessados-menos-piores/ Sugestões de podcasts: Série sobre ultraprocessados, em 4 episódios: Ultraprocessados, uma relação tóxica https://ojoioeotrigo.com.br/2023/08/ultraprocessados-uma-relacao-toxica/ Vale por um bifinho? https://ojoioeotrigo.com.br/2023/08/vale-por-um-bifinho/ Cimento, açúcar e aditivos https://ojoioeotrigo.com.br/2023/08/cimento-acucar-e-aditivos/ É impossível comer um só https://ojoioeotrigo.com.br/2023/08/e-impossivel-comer-um-so/ [1]: PERES, João; POMAR, Marcos Hemerson. Em documento para a Coca dos EUA, consultoria lista Guia Alimentar do Brasil como problema. Portal O Joio e o Trigo, 01 set. 2021. Disponível em: . Acesso em 15 out. 2025. [2]: BRASIL. Ministério da Saúde. Guia alimentar para a população brasileira: promovendo a alimentação saudável. Brasília: Ministério da Saúde, 2014. 2ª ed. 158p. [3]: Thomas, Geo & Kalla, Adarsh & Kumar, Ashok. (2018). Food matrix: A new tool to enhance nutritional quality of food. 7. 1011-1014. [4]: MENEZES, Sônia Souza Mendonça. Comida de ontem, comida de hoje. O que mudou na alimentação das comunidades tradicionais sertanejas?. OLAM: Ciência & Tecnologia, v. 13, n. 2, 2013. [5]: BRONOSKI, Bruna. Títulos e empréstimos do HSBC ameaçam quebradeiras de coco babaçu no Matopiba. Portal O Joio e o Trigo, 01 set. 2025. Disponível em:. Acesso em 17 out. 2025. [6]: RIBEIRO, Adrieli Santos et al. Banco de dados didático para explorar e difundir a classificação nova de alimentos: parte 2-ingredientes culinários processados. Trabalho técnico do curso de Nutrição pela Universidade Federal de Grande Dourados, 1. ed, 17.p. 2018. [7]: TULLEKEN, Chris van. Gente ultraprocessada: por que comemos coisas que não são comida, e por que não conseguimos parar de comê-las. Tradução de Laura Teixeira Motta. São Paulo: Elefante, 2024. [8]: REDAÇÃO. Por que chamamos ultraprocessados de produtos, e não de alimentos. Portal O Joio e o Trigo, 28 ago. 2023. Disponível aqui: , acesso em 23 out. 2025. [9]: PROENÇA, Mauro. Novo capítulo na saga dos ultraprocessados. Portal Questão de Ciência, 16 jun. 2025. Disponível aqui: . Acesso em 29 out. 2025. [10]: MONTEIRO, C. A. et al. A new classification of foods based on the extent and purpose of their processing. Cadernos de Saúde Pública, Rio de Janeiro, v. 26, n. 11, p. 2039–2049, 2010. [11]: MONTEIRO, C. A. et al. The UN Decade of Nutrition, the NOVA food classification and the trouble with ultra-processing. Public Health Nutrition, v. 21, n. 1, p. 5–17, 2017. [12]: MONTEIRO, C. A. et al. Ultra-processed foods: what they are and how to identify them. Public Health Nutrition, v. 22, n. 5, p. 936–941, 2019. [13]: ASENSI, M. T. et al. Low-grade inflammation and ultra-processed foods consumption: a review. Nutrients, v. 15, n. 6, p. 1546, 2023 See omnystudio.com/listener for privacy information.

Episode DescriptionIn this episode of the Lead Ministry Podcast, Josh Denhart and Vance Martinfrom Slingshot Group tackle a critical issue for ministry leaders: how toplan events without burning out. Building on last week's 3x3 Framework,they introduce five planning principles designed to protect your team andyour energy. From breaking tasks into smaller pieces to documenting as yougo, this episode provides a practical playbook for sustainable eventplanning. If you have ever felt crushed by an event that was supposed to belife-giving, this episode will show you a better way forward.Key Topics Covered*Doable Hard vs. Destructive Hard* — The critical distinction betweenhealthy challenge and unsustainable strain*Break Everything Into Smaller Pieces* — Why defining every task is thefirst step to organized execution*Start Dates and Done Dates* — How to avoid due date deception by planningwhen work begins, not just when it is due*Pre-Event Milestones* — Treating planning deadlines and marketing launchesas events on the calendar*Fill Open Time Wisely* — Redistributing workload into slower seasonsinstead of stacking it into brutal ones*Give Away Tasks and Leadership* — Why organization enables delegation andthe best events are led by teams, not heroes*Document as You Go* — Building reusable templates and using post-eventevaluations like the Six Thinking Hats framework*Gantt Charts for Ministry* — Using project management tools to visualizetimelines and assign ownershipKey Quote"What gets defined gets done."Scripture ReferencesNone directly cited in this episode.TakeawayStop treating event planning as a sprint you survive. Start treating it asa system you build. Break down tasks, set start dates, create milestones,distribute the workload, and document everything so next year is easierthan this year.Call to ActionWe hope this episode encourages and equips you. Share it with a friend andstay tuned for more resources each week.Stay Connected for More ResourcesVisit our website: http://leadministry.comFollow us on Facebook: https://www.facebook.com/LeadVolunteersFind us on Instagram: https://www.instagram.com/leadvolunteers

No SciCast dessa semana conversamos a respeito do Guia Alimentar da População Brasileira, um dos instrumentos legais que norteiam toda a política de combate à fome, segurança alimentar e nutrição em diversas fases da vida. O Guia foi desenvolvido no Brasil, mas já ganhou repercussão internacional, com novos estudos utilizando métricas e classificações dele para definir os novos espaços e sistemas alimentares atuais. Ainda aqui, iremos trabalhar com a ideia de ultraprocessados, e entender toda a polêmica por trás dessa classificação. Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://www.instagram.com/PortalDeviante/ Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Tarik Fernandes, Emanuelle Salustiano, Ruan Santos, Lênin Machado e Yasmin Pussente Citação ABNT: Scicast #682: Ultraprocessados e a classificação Nova. Locução: Tarik Fernandes, Emanuelle Salustiano, Ruan Santos, Lênin Machado e Yasmin Pussente. [S.l.] Portal Deviante, 16/03/2026. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-682 Imagem de capa: Referências e Indicações Sugestões de literatura: TULLEKEN, Chris van. Gente ultraprocessada: por que comemos coisas que não são comida, e por que não conseguimos parar de comê-las. Tradução de Laura Teixeira Motta. São Paulo: Elefante, 2024. SCRINIS, Gyorgy. Nutricionismo: a ciência e a política do aconselhamento nutricional. São Paulo: Elefante, 2021. Sugestões de filmes: Documentário “Muito Além do Peso” MUITO ALÉM DO PESO | Filme Completo Sugestões de links: O indigesto sistema do alimento mercadoria https://www.scielo.br/j/sausoc/a/SL48V3NbbVNPNNRXybCqfqP/?format=html&lang=pt O capitalismo também mata pela boca https://criticarevolucionaria.com.br/revolucionaria/article/view/1/39 https://revistapesquisa.fapesp.br/quantidade-de-cacau-no-chocolate-meio-amargo-e-similar-ao-das-versoes-ao-leite-e-branco-aponta-estudo https://www.revistaquestaodeciencia.com.br/artigo/2025/06/16/novo-capitulo-na-saga-dos-ultraprocessados https://ojoioeotrigo.com.br/2025/03/faz-sentido-falar-em-ultraprocessados-menos-piores/ Sugestões de podcasts: Série sobre ultraprocessados, em 4 episódios: Ultraprocessados, uma relação tóxica https://ojoioeotrigo.com.br/2023/08/ultraprocessados-uma-relacao-toxica/ Vale por um bifinho? https://ojoioeotrigo.com.br/2023/08/vale-por-um-bifinho/ Cimento, açúcar e aditivos https://ojoioeotrigo.com.br/2023/08/cimento-acucar-e-aditivos/ É impossível comer um só https://ojoioeotrigo.com.br/2023/08/e-impossivel-comer-um-so/ [1]: PERES, João; POMAR, Marcos Hemerson. Em documento para a Coca dos EUA, consultoria lista Guia Alimentar do Brasil como problema.  Portal O Joio e o Trigo, 01 set. 2021. Disponível em: . Acesso em 15 out. 2025. [2]: BRASIL. Ministério da Saúde. Guia alimentar para a população brasileira: promovendo a alimentação saudável. Brasília: Ministério da Saúde, 2014. 2ª ed. 158p. [3]: Thomas, Geo & Kalla, Adarsh & Kumar, Ashok. (2018). Food matrix: A new tool to enhance nutritional quality of food. 7. 1011-1014. [4]: MENEZES, Sônia Souza Mendonça. Comida de ontem, comida de hoje. O que mudou na alimentação das comunidades tradicionais sertanejas?. OLAM: Ciência & Tecnologia, v. 13, n. 2, 2013. [5]: BRONOSKI, Bruna. Títulos e empréstimos do HSBC ameaçam quebradeiras de coco babaçu no Matopiba. Portal O Joio e o Trigo, 01 set. 2025. Disponível em:. Acesso em 17 out. 2025. [6]: RIBEIRO, Adrieli Santos et al. Banco de dados didático para explorar e difundir a classificação nova de alimentos: parte 2-ingredientes culinários processados. Trabalho técnico do curso de Nutrição pela Universidade Federal de Grande Dourados, 1. ed, 17.p. 2018. [7]: TULLEKEN, Chris van. Gente ultraprocessada: por que comemos coisas que não são comida, e por que não conseguimos parar de comê-las. Tradução de Laura Teixeira Motta. São Paulo: Elefante, 2024. [8]: REDAÇÃO. Por que chamamos ultraprocessados de produtos, e não de alimentos. Portal O Joio e o Trigo, 28 ago. 2023. Disponível aqui: , acesso em 23 out. 2025. [9]: PROENÇA, Mauro. Novo capítulo na saga dos ultraprocessados. Portal Questão de Ciência, 16 jun. 2025. Disponível aqui: . Acesso em 29 out. 2025. [10]: MONTEIRO, C. A. et al. A new classification of foods based on the extent and purpose of their processing. Cadernos de Saúde Pública, Rio de Janeiro, v. 26, n. 11, p. 2039–2049, 2010. [11]: MONTEIRO, C. A. et al. The UN Decade of Nutrition, the NOVA food classification and the trouble with ultra-processing. Public Health Nutrition, v. 21, n. 1, p. 5–17, 2017. [12]: MONTEIRO, C. A. et al. Ultra-processed foods: what they are and how to identify them. Public Health Nutrition, v. 22, n. 5, p. 936–941, 2019. [13]: ASENSI, M. T. et al. Low-grade inflammation and ultra-processed foods consumption: a review. Nutrients, v. 15, n. 6, p. 1546, 2023

Why are employees still drowning in administrative work despite years of digital transformation, new software platforms, and constant promises that technology will make work easier? In this episode of Tech Talks Daily, I explore that question with Jason Spry from Ricoh Europe. What begins as a discussion about a new Ricoh research report quickly turns into a much broader conversation about how modern workplaces actually operate day to day. The findings are striking. Employees across Europe are losing an average of 15 hours every week to routine administrative tasks. That is time spent searching for documents, reentering data across systems, preparing reports manually, and navigating layers of disconnected tools. For many organizations, this creates a strange contradiction. Leadership teams often believe that new platforms and software will simplify workflows, yet many employees feel the opposite. The tools designed to make work easier sometimes create additional layers of complexity. Jason shares his perspective from nearly three decades in document processing and outsourcing, explaining how years of digital initiatives have often resulted in systems stacked on top of one another rather than genuinely simplified workflows. The result is a fragmented experience where finding the latest version of a document or locating the right information for a meeting can consume far more time than it should. We also discuss the hidden risks behind these inefficiencies. When documents are scattered across systems or poorly managed, the consequences go beyond frustration. Ricoh's research shows that many organizations have experienced compliance breaches or near misses because important documents were missing, misfiled, or simply impossible to locate at the right moment. Jason explains why governance, visibility, and consistent document management are becoming increasingly important in a world where decisions rely on accurate information. Another theme that runs throughout this conversation is the idea of marginal gains. Small inefficiencies like searching for files, reentering data, or preparing documents for meetings might seem trivial in isolation. Yet when they happen hundreds of times across a workforce, they add up to a serious productivity drain. Jason compares it to the concept of improving performance by one percent at a time. Removing even a few of these micro frustrations can transform how people experience their workday. Naturally, we also talk about automation and AI. But Jason offers a refreshing perspective here as well. Rather than starting with the technology, he argues that organizations should begin by identifying the real pain points employees face. That often means speaking directly with the people doing the work and asking what frustrates them most. Once those challenges are clear, automation and intelligent document management tools can start delivering results quickly, sometimes within weeks rather than years. By the end of the conversation, it becomes clear that solving the admin overload problem does not always require massive transformation projects. Often the answer lies in simplifying processes, connecting systems more intelligently, and removing the small friction points that slow everyone down. So I am curious. How much time do you think your organization loses to administrative work each week, and what simple changes could give employees that time back?

Aujourd'hui, je vous emmène loin des cartes postales : au cœur des zones de crise, là où les routes se négocient checkpoint par checkpoint, là où l'urgence dicte tout, et où l'on mesure l'humain à l'intensité de ce qu'il traverse.Justine Musnik Piquemal fait partie de ceux qui tiennent debout quand tout vacille. Justine est directrice régionale au sein de l'ONG Solidarités International. Elle travaille là où le monde vacille : zones de guerre, catastrophes humanitaires, terrains d'urgence. Elle pilote des équipes, ouvre des accès, organise l'eau, l'hygiène, l'assainissement, l'aide alimentaire… bref : elle met du concret là où tout menace de s'effondrer. Et Justine est aussi mère de quatre enfants.Dans cet épisode, elle a accepté de nous emmener dans les coulisses de sa vie hors norme : les missions, les départs, les retours… la logistique, la négociation, l'adrénaline… mais aussi la fatigue, la charge mentale, la culpabilité parfois renvoyée par les autres, les remarques à l'école, à l'hôpital… et cette question intime, qu'on se pose toutes à un moment : est-ce qu'on a le droit de ne pas être là, tout le temps ?Cet épisode s'inscrit dans le cadre du Podcasthon, un événement pendant lequel des podcasteurs se mobilisent pour mettre en lumière des causes qui leur sont chères.Chez Beau Voyage, nous avons choisi de soutenir Solidarités International.Voici le lien vers cette formidable ONG si vous souhaitez les aider : https://www.solidarites.org/fr/Un podcast produit et réalisé par Sakti Productions & Beau Voyage

Eric shares a "debriefing" session following the maiden voyage of the Podhouse, a collaborative content creation initiative based at an Airbnb in Las Vegas. Podcasters Eric Triplet, Mike Garvey, Larry DelliSanti, and John Pajak evaluate their experiences at the ConExpo convention, specifically highlighting the success of their "booth takeovers" and the attention-grabbing power of their coordinated branding. The group discusses strategic improvements for future events, such as implementing a "leapfrog" team system to streamline filming and ensuring all creators utilize standardized equipment. They also reflect on the importance of formalized house rules and NDAs to maintain a professional environment during high-energy business trips. The group outlines a vision for the future where this mobile studio model creates high-value synergy between content creators and commercial brands. Key Takeaways: Collaborate with like-minded individuals to foster synergy and generate innovative ideas that benefit the entire group. Spend time observing and absorbing new environments before executing a plan to ensure your strategy is well-informed and effective. Set clear professional standards and formal expectations from the beginning of a partnership to prevent misunderstandings and maintain productivity. Utilize consistent and eye-catching branding to differentiate yourself and attract attention in highly competitive spaces. Document both your successes and failures after major projects to facilitate continuous improvement and better preparation for future endeavors.

No áudio de hoje vamos falar sobre o Oscar e as categorias em que o Brasil pode marcar presença na maior premiação do cinema mundial, o Academy Awards! Comentamos as chances do país em categorias como Melhor Filme Internacional, Documentário e até possíveis surpresas em atuações, além de relembrar momentos icônicos da premiação com grandes nomes de Hollywood como Leonardo DiCaprio e Meryl Streep.Também destacamos o talento brasileiro que vem ganhando espaço lá fora, incluindo atores como Wagner Moura e Rodrigo Santoro, mostrando como o cinema do Brasil vem conquistando cada vez mais reconhecimento global.Papo Antagonista é o programa que explica e debate os principais acontecimentos do dia com análises críticas e aprofundadas sobre a política brasileira e seus bastidores.       O programa traz contexto e opinião sobre os temas mais quentes da atualidade.       Com foco em jornalismo, eleições e debate, é um espaço essencial para quem busca informação de qualidade.       Ao vivo de segunda a sexta-feira às 18h no nosso canal no Youtube.   https://www.youtube.com/@OAntagonista   Apoie o jornalismo independente. Assine O Antagonista e Crusoé com 10% via Pix ou Google Pay:   https://assine.oantagonista.com.br/  Siga O Antagonista no X:  https://x.com/o_antagonista   Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais.  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344  Leia mais em www.oantagonista.com.br | www.crusoe.com.br #Oscar2026 #CinemaBrasileiro #ComOAgenteSecreto #Oscar #BrasilNoOscar #CinemaNacional #FilmeBrasileiro

Max Kremer: Attorney At Law!   I will be speaking at the Oregon Ghost Conference March 27-29 2026 For more info, tickets, and more: http://www.oregonghostconference.com/   Patreon (Get ad-free episodes, Patreon Discord Access, and more!) https://www.patreon.com/user?u=18482113 PayPal Donation Link https://tinyurl.com/mrxe36ph MERCH STORE!!! https://tinyurl.com/y8zam4o2 Amazon Wish List https://www.amazon.com/hz/wishlist/ls/28CIOGSFRUXAD?ref_=wl_share Dead Rabbit Radio Archive Episodes https://deadrabbitradio.blogspot.com/2025/07/ episode-archive.html https://archive.ph/UELip Dead Rabbit Radio Recommends Master List https://letterboxd.com/dead_rabbit/list/dead-rabbit-radio-recommends/ Links: Gauntlets Song Working Link! https://web.archive.org/web/20240308085245/http://sellgauntlets.com/ The Classics: EP 697 - Max Kremer: The Dad-Shaped Super Villain! https://deadrabbitradio.libsyn.com/the-classics-ep-697-max-kremer-the-dad-shaped-super-villain EP 706 - The Screaming Cave (Max Kremer episode) https://deadrabbitradio.libsyn.com/ep-706-the-screaming-cave EP 785 - The Dead Won't Go Alone (Max Kremer episode) https://deadrabbitradio.libsyn.com/ep-785-the-dead-wont-go-alone EP 791 - He Shouldn't Have Looked Out The Window (Max Kremer episode) https://deadrabbitradio.libsyn.com/ep-791-he-shouldnt-have-looked-out-the-window EP 1147 - Cat (Max Kremer episode) https://deadrabbitradio.libsyn.com/ep-1147-cat EP 1556 - Max Kremer's Beverage From Beyond! (Max Kremer episode) https://deadrabbitradio.libsyn.com/ep-1556-max-kremers-beverage-from-beyond EP 1559 - The Frozen Wraith Is Lonely No Longer (Max Kremer episode) https://deadrabbitradio.libsyn.com/ep-1559-the-frozen-wraith-is-lonely-no-longer EP 429 - Is Bill Gates The Antichrist? (Deleted From Spotify episode) https://deadrabbitradio.libsyn.com/ep-429-is-bill-gates-the-antichrist Kremer v. Reddit, Inc., No. 2:2021cv00038 - Document 55 (M.D. Tenn. 2022) https://law.justia.com/cases/federal/district-courts/tennessee/tnmdce/2:2021cv00038/87683/55/ UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF TENNESSEE NORTHEASTERN DIVISION https://digitalcommons.law.scu.edu/cgi/viewcontent.cgi?params=/context/historical/article/3710/&path_info=Kremer_v._Reddit__Inc._58.pdf Drugs are bad... mmmkay? https://www.reddit.com/r/southpark/comments/cgkgq9/drugs_are_bad_mmmkay/ Archive https://archive.ph/rRY3k UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF TENNESSEE NASHVILLE DIVISION https://www.govinfo.gov/content/pkg/USCOURTS-tnmd-3_24-cv-01410/pdf/USCOURTS-tnmd-3_24-cv-01410-0.pdf 3 Pack Axe Anarchy for Him Mens 48 HR Fresh Deodorant Body Spray, 150ml https://tinyurl.com/4uzy73ft Axe (brand) https://en.wikipedia.org/wiki/Axe_(brand) Boy Died After Spraying Deodorant https://web.archive.org/web/20090312095943/http://news.sky.com/skynews/Home/UK-News/Boy-12-Died-After-Spraying-Deodorant-Lynx-Aerosol-Triggered-Heart-Condition-In-Daniel-Hurley/Article/200811315156332   ------------------------------------------------ Logo Art By Ash Black Opening Song: "Atlantis Attacks" Closing Song: "Bella Royale" Music By Simple Rabbitron 3000 created by Eerbud Thanks to Chris K, Founder Of The Golden Rabbit Brigade Dead Rabbit Archivist Some Weirdo On Twitter AKA Jack YouTube Champ: Stewart Meatball Reddit Champ: TheLast747 The Haunted Mic Arm provided by Chyme Chili Discord Mods: Mason, Rudie Jazz Forever Fluffle: Cantillions, Samson, Gregory Gilbertson, Jenny the Cat http://www.DeadRabbit.com Email: DeadRabbitRadio@gmail.com Facebook: www.Facebook.com/DeadRabbitRadio TikTok: https://www.tiktok.com/@deadrabbitradio Dead Rabbit Radio Subreddit: https://www.reddit.com/r/DeadRabbitRadio/ Paranormal News Subreddit: https://www.reddit.com/r/ParanormalNews/ Mailing Address Jason Carpenter PO Box 1363 Hood River, OR 97031 Paranormal, Conspiracy, and True Crime news as it happens! Jason Carpenter breaks the stories they'll be talking about tomorrow, assuming the world doesn't end today. All Contents Of This Podcast Copyright Jason Carpenter 2018 - 2026    

At Moda Miami, the cars are spectacular but the stories behind them are even better. In this episode of The Collector Car Podcast, I speak with the owners of three unforgettable machines: an ultra-rare Ferrari 275 GTB/4 NART Spider, a brutal vintage Allard J2X race car, and a seldom-seen Plymouth Hemi 'Cuda from the golden era of Mopar muscle. We talk about how these cars were found, what it's really like to own them, and the stories that never make it onto concours placards. From the exclusivity of the NART Spider to the raw racing spirit of the Allard and the tire-smoking legend of a Hemi Mopar, this episode captures the passion that fuels the collector car world. Hashtags #CollectorCarPodcast #ModaMiami #Ferrari #NARTSpider #Allard #Mopar #HemiCuda #CollectorCars #CarCollectors #Concours

Tonight on Black Dragon Biker TV: A full plate of MC drama, legal fights, enforcement moves, and must-know survival tips for 2026.Disrespect Between Hells Angels and Bandidos Causes 'Real-World Sons of Anarchy' Biker Gang War on Village Streets in the UKA long-simmering feud between Hells Angels and Bandidos supporters exploded into open violence on the streets of a quiet UK village in late February 2026. The incident — described by local media as a “real-world Sons of Anarchy moment” — involved multiple riders exchanging blows, weapons drawn, and chaos spilling onto public roads. Police made several arrests; tensions remain high. We'll break down what sparked it, how it played out, and why disrespect between these two giants still ignites real-world wars even across the pond.Pagans Member in Wawa Shooting Seeks Dismissal of Charges / Reduction in BailGeorge Hripto Jr. (50, Pagans MC) — one of nine defendants charged in the October 2025 West Norriton Wawa parking lot shootout (six wounded, including two bystanders) — filed a motion to dismiss charges and/or reduce his $500,000 cash bail. Defense argues insufficient evidence on some counts and that bail is “unattainable.” Latest court update came in the last 24–48 hours (as of March 11, 2026). Joint trial for all defendants still scheduled for May 18, 2026. We'll discuss the odds of dismissal, bail strategy in MC cases, and what this means for club members facing long pre-trial detention.Arkansas Alcoholic Beverage Control Postponed Hearing Related to Alleged Bandidos Biker Bar HangoutThe Arkansas ABC postponed a scheduled March 10, 2026 hearing for Burks Brothers Brewing in Bryant, Arkansas — a bar heavily associated with Bandidos MC members. The postponement came after a June 2025 stabbing/fight at the location involving Bandidos affiliates. ABC issued violations for allowing disorderly conduct, violence, and potential gang activity on premises. Bar owners are fighting to keep the liquor license; a whistleblower lawsuit by a former Bryant PD detective alleges police corruption and interference tied to the bar. No new hearing date yet — owners started a GoFundMe for legal defense.11 Things Every MC Should Do to Operate in 2026We lay out the must-do list for any club — old school or new — to survive and thrive in the current climate:Secure your trademarks & IP now (before someone challenges it).Document everything — minutes, votes, finances — for legal protection.Train on de-escalation & self-defense laws in your state.Use encrypted comms (Signal, etc.) — feds monitor open channels.Get club insurance (liability, event coverage).Build strong community ties — charity runs, youth outreach — to counter negative stereotypes.Vet prospects harder — background checks, no snitches.Set clear old lady / family boundaries to avoid internal drama.Stay off social media beefs — post wins, not wars.Know your local ABC/liquor laws if you have a hangout bar.Prepare for RICO — keep club business separate from personal/criminal acts.Join Black Dragon, Lavish T. Williams, Big Bone, Tia Redbone Bunch, and Logic as we unpack all of it — no filter, no holding back.Hells-Angels-Bandidos-UK-war, Pagans-Wawa-shooting-dismissal, Arkansas-ABC-Bandidos-bar-postponed, Burks-Brothers-Brewing-violations, 11-things-MC-2026, biker-news, outlaw-MC-survival, Black-Dragon-Biker-TV, Lavish-T-Williams, Big-Bone-Tia-RedboneBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-dragon-s-lair-motorcycle-chaos--3267493/support.Sponsor the channel by signing up for our channel memberships. You can also support us by signing up for our podcast channel membership for $9.99 per month, where 100% of the membership price goes directly to us at https://www.spreaker.com/podcast/the-.... Follow us on:Instagram: BlackDragonBikerTV TikTok: BlackDragonBikertv Twitter: jbunchiiFacebook: BlackDragonBikerBuy Black Dragon Merchandise, Mugs, Hats, T-Shirts Books: https://blackdragonsgear.comDonate to our cause:Cashapp: $BikerPrezPayPal: jbunchii Zelle: jbunchii@aol.com Patreon: https://www.patreon.com/BlackDragonNPSubscribe to our new discord server https://discord.gg/dshaTSTSubscribe to our online news magazine www.bikerliberty.comGet 20% off Gothic biker rings by using my special discount code: blackdragon go to http://gthic.com?aff=147Join my News Letter to get the latest in MC protocol, biker club content, and my best picks for every day carry. https://johns-newsletter-43af29.beehi... Get my Audio Book Prospect's Bible an Audible: https://adbl.co/3OBsfl5Help us get to 30,000 subscribers on www.instagram.com/BlackDragonBikerTV on Instagram. Thank you!We at Black Dragon Biker TV are dedicated to bringing you the latest news, updates, and analysis from the world of bikers and motorcycle clubs. Our content is created for news reporting, commentary, and discussion purposes. Under Section 107 of the Copyright

Before you board an international flight, before you cross a border, you need a passport. But how much do you really know about the little book that controls where you can and cannot go in this world? On this episode of Unpacked, host Aislyn Greene sits down with Patrick Bixby, an English professor at Arizona State University and author of the book License to Travel: A Cultural History of the Passport, which explores how a bureaucratic document became one of the most emotionally loaded objects in human history. In the episode, they discuss the passport as a paradox: a document that simultaneously promises freedom and enforces control, that carries the hopes of liberation and the machinery of surveillance. You'll come away seeing that little booklet in your drawer in a completely different light. In this episode, you'll learn Why the passport as we know it was born out of World War I — and why those wartime controls never went away. How the word "passport" dates to 15th-century France, and why Shakespeare wrote about it. What Frederick Douglass's passport journey reveals about citizenship, race, and the fight for identity.Why the US passport ranks around 30th in global passport power — and what that means for American travelers. What's coming next: digital borders, blockchain credentials, and the end of the stamp. Key chapters 00:00:00 The Paradox of the Passport 00:04:00 A History Older Than Nations 00:09:00 The WWI Origins of Modern Travel 00:11:00 Gender, Race, and the Document 00:16:00 What Makes a Passport Powerful 00:20:00 Stamps, Surveillance, and the Digital Border 00:26:00 Do You Believe in the Passport? Meet this week's guest Patrick Bixby, English professor, cultural historian, and author of License to Travel: A Cultural History of the Passport Resources Read the afar.com story about the world's most powerful passports. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've grown your business beyond a solo practice with a small team, you've likely learned the hard way that one bad hire can derail momentum, create internal chaos, and hold your entire business hostage.In this episode, I'm excited to have leadership expert, author, and HR strategist Tom Healy on the podcast. Tom has worked with high-performing organizations, including the U.S. Navy, Harvard Medical School, and Fortune 500 companies, and he's spent decades helping businesses scale the right way — with structure, accountability, and culture at the center.We unpack the mistakes founders make when hiring too fast, how poor performers slowly sabotage organizations, and the exact systems you need to have in place to prevent one person from controlling your business.3 of the biggest insights from Tom …#1.) It's Okay to Overpay for A-Players The cheapest hire is often the most expensive mistake. High performers operate like owners, stay longer, and eliminate the hidden cost of turnover. Paying above market isn't reckless, it's strategic.#2.) Poor Performers Will Hide When There's No AccountabilityIf you don't have clear KPIs, you don't have leverage. Vague feedback creates arguments. Objective metrics create clarity. A-players want coaching. B and C players resist it.#3.) No One Should Be Able to Hold Your Business HostageWhen all knowledge lives inside one person's head, you're exposed. Document systems. Build an internal knowledge center. Consider fractional talent. Structure creates freedom.SHOW NOTEShttps://bradleyjohnson.com/159FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Every has unveiled a new product, built by CEO Dan Shipper. It's called Proof, a free, open-source, live collaborative document editor built for humans and AI agents to work in together. Proof started as a Mac app designed to show the provenance of AI-written text—purple for AI, green for human. But when Shipper rebuilt it as a web app with real-time collaboration, something clicked. Suddenly, everyone at Every was using it for everything from planning docs, to creative writing and even daily to-do lists. The team realized they needed a lightweight space where their OpenClaw agents and humans could co-author documents and leave comments. In this special episode, Shipper is joined by Every chief operating officer Brandon Gell, Cora general manager Kieran Klaassen, and head of growth Austin Tedesco to demo Proof live and share how it's changed the way they work. Brandon walks through a loop where his Codex agent writes a plan, Dan's personal Claw R2-C2 reviews it, and the humans just steer. Austin explains how he uses Proof to write a weekly food newsletter, texting ideas to his Claw on runs and watching an outline take shape. And Kieran makes the case that Proof's power is its lightness—just a link you can hand to any agent or colleague.The conversation covers what "agent native" means in practice, why AX (agent experience) matters as much as UX (user experience), what happens when 10 agents edit one document at the same time, and why some writing is now better read by an AI than a human.If you found this episode interesting, please like, subscribe, comment, and share!Want even more?Sign up for Every to unlock our ultimate guide to prompting ChatGPT here: https://every.ck.page/ultimate-guide-to-prompting-chatgpt. It's usually only for paying subscribers, but you can get it here for free.To hear more from Dan Shipper:Subscribe to Every: https://every.to/subscribeFollow him on X: https://twitter.com/danshipperGet started building today at framer.com/dan for 30% OFF a Framer Pro annual plan.Download Grammarly for free at Grammarly.comTimestamps 00:02:00 — Introduction and the origin story of Proof00:07:24 — From Mac app to collaborative web editor00:09:00 — What makes Proof “agent native”00:14:30 — Live demo: watching an agent join and write inside a shared document00:20:51 — How Austin uses Proof for creative writing and food journalism00:24:30 — The challenge of multiple agents editing one document simultaneously00:26:48 — When AI-written docs are better read by agents than by humans00:29:30 — Brandon's agent-to-agent collaboration loop00:37:09 — Proof as a lightweight scratchpad vs. existing tools like Notion and GitHub00:42:18 — Why Proof is open source and what that means for buildersLinks to resources mentioned in the episode:Proof Editor: https://proofeditor.aiProof GitHub repo (open source): https://github.com/EveryInc/proofEvery's compound engineering plugin: https://github.com/EveryInc/compound-engineering-plugin

This week, I am again featuring as my guest, Norma Peterson, Executive Director of Document the Abuse, to talk about the lasting impact of the Stacy Peterson case and the broader importance of documenting abuse when systems fail survivors. Our conversation explores how power, media narratives, and institutional silence can obscure truth—and why preserving survivor stories is not only important, but necessary. As Executive Director, Norma oversees the organization's survivor-centered advocacy, education, and documentation initiatives. A central focus of her work is the Evidentiary Abuse Affidavit, the primary tool used by Document the Abuse to help survivors formally record patterns of abuse, coercive control, and systemic failures in a clear, structured format. Norma explains that the affidavit is typically used to create a contemporaneous, survivor-authored record that can support legal proceedings, civil actions, advocacy efforts, or simply preserve the truth when no formal action is taken. Norma also shares insight into the mission behind Document the Abuse, the importance of accountability, and how documentation itself becomes a form of advocacy—particularly in cases where justice remains unresolved. This episode is a thoughtful examination of memory, truth, and our collective responsibility to listen, even when answers are incomplete and outcomes are uncertain. For listeners who want to learn more or support this work, Document the Abuse is a nonprofit organization dedicated to preserving survivor voices, documenting patterns of abuse, and ensuring that stories are not erased when systems fall short. Through tools like the Evidentiary Abuse Affidavit and survivor-centered leadership, the organization works to center truth, accountability, and the belief that documentation can be a powerful step toward justice. An important side note: if you're finding value in this show and these conversations, please consider leaving a 5-star rating on your podcast platform—it truly helps more people find these stories. You can also follow Sexual Assault Survivor Stories on Instagram and send me a note of support. I can't tell you how much your emails mean to me—they fuel my passion to keep this podcast going. And if you're a victim or survivor and you feel like you might be ready to share your story—whether for your own healing or to help someone else—reach out to me. We can start a conversation, with no pressure and no expectations. You can email me directly at dave@sasstories.com. Please include a phone number where I can reach you, because I genuinely prefer to talk with people who are considering guesting. Thank you to everyone who has already reached out—and please keep those emails coming. I truly look forward to hearing from you. Here are some critically important links that I hope you'll take the time to explore. Where a contribution is requested, please consider doing so. Thank you—for listening, for believing survivors, and for being part of this community. https://documenttheabuse.org https://hassl.uk/ https://saprea.org/ https://whattheydontsay.com https://1in6.org/ https://time.com/wp-content/uploads/2014/09/repeat_rape.pdf?utm_source=chatgpt.com https://soulwisesolutions.com https://safeinharmsway.org https://startbybelieving.org https://evawintl.org/ As mentioned, and emphasized, it's time to Normalize the Conversation.™ And please remember to Start by Believing…because we all know someone whose life has been impacted by rape or sexual assault. (Check out https://evawintl.org/ & https://startbybelieving.org for more information on "Start By Believing"!) Thank you for tuning in. --Dave

In this episode, Brian shares why documenting everything in your business is one of the most important moves you can make as an owner. From building SOPs to creating a rolling 12-month calendar of processes, these simple systems create clarity for your team, make growth easier, and build real long-term enterprise value in your company. Lawntrapreneur Academy (The #1 Resource for Starting, Growing and Scaling a Successful Lawn & Landscaping Company). - https://www.lawntrepreneuracademy.com/  Book a Granum Demo (use BRIAN25 to save!): https://www.Granum.com/Brian LMN & Coffee - https://us06web.zoom.us/j/89495679453?pwd=m0wKa6prJWrARKClJKolBaJjl00OYn.1 Coast Pay Fuel Card: www.CoastPay.com/Brian

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

A deleted file recovered from Rex Heuermann's basement allegedly contains the Long Island Serial Killer's step-by-step methodology. According to prosecutors, eighty-seven details match how the Gilgo Beach victims were killed.The document—titled HK2002-04—was found on one of fifty-eight hard drives seized from the Massapequa Park home. Created in 2000 and modified through 2002, it allegedly contained sections for supplies, body preparation, and "lessons learned."According to court documents: A "Supplies" section allegedly listed cutting tools, acid, tarps, and cat litter. A "Body Prep" section allegedly stated: "remove head and hands, remove ID marks like tattoos." A "Things to Remember" section allegedly contained: "Hit harder... light rope broke under stress." The document allegedly referenced specific pages in FBI profiler John Douglas's Mindhunter.Jessica Taylor's remains were found along Ocean Parkway with her head removed and tattoos mutilated. DA Ray Tierney stated: "The exact method by which these murders were committed in excruciating detail in that document is in some cases identical to the methodology used to murder the victims."Twenty-seven years under the same roof produced two completely opposite conclusions. Rex Heuermann's wife Asa Ellerup still calls him her "hero" and described jail visits as feeling like "a first date." Their daughter Victoria says he's "most likely the Gilgo Beach serial killer" after speaking with BTK's daughter about having an alleged killer for a father.According to prosecutors, female hairs found on multiple victims were allegedly consistent with DNA from both women. Neither is accused of involvement—the transfer allegedly came from Rex's clothing or their home.The daughter saw what the wife cannot. Both are victims of different truths.Rex Heuermann has pleaded not guilty to all charges. Trial is September 2026.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RexHeuermannNews #GilgoBeachKiller #LISK #LongIslandSerialKiller #GilgoBeachMurders #LISKDocument #VictoriaHeuermann #AsaEllerup #SuffolkCounty #TrueCrimeToday

Forensic analysts recovered a deleted file from Rex Heuermann's basement. According to prosecutors, it's the Long Island Serial Killer's planning document for murder.The document—titled HK2002-04—was hidden on one of fifty-eight hard drives seized from the Massapequa Park home. Created in 2000, modified through 2002, it allegedly contained eighty-seven details prosecutors say match the methodology used on the Gilgo Beach victims. A "Supplies" section allegedly listed cutting tools, acid, tarps, and cat litter. A "Body Prep" section allegedly stated: "remove head and hands, remove ID marks like tattoos." A "Things to Remember" section contained alleged lessons learned: "Hit harder... light rope broke under stress."Jessica Taylor's remains were found along Ocean Parkway with her head removed and tattoos mutilated. The document allegedly describes exactly that methodology.When Suffolk County investigators returned to Rex Heuermann's home, they found infrared evidence of adhesive residue and push pins in the drop ceiling—exactly as allegedly described in the planning document.DA Ray Tierney stated: "The exact method by which these murders were committed in excruciating detail in that document is in some cases identical to the methodology used to murder the victims."Now the family that lived under the same roof for twenty-seven years has split. His wife Asa Ellerup still calls Rex her "hero" and refers to him as "my husband" despite their divorce. Their daughter Victoria reached a different conclusion: "most likely" guilty. She spoke with BTK's daughter about what it means to have an alleged serial killer for a father.According to prosecutors, female hairs found on multiple victims were allegedly consistent with DNA from both women. Neither is accused of involvement—the transfer allegedly came from Rex's clothing or their home.The daughter saw what the wife cannot.Rex Heuermann has pleaded not guilty. Trial is September 2026.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RexHeuermann #LISK #GilgoBeachKiller #LongIslandSerialKiller #HK2002Document #GilgoBeachMurders #AsaEllerup #VictoriaHeuermann #SuffolkCounty #HiddenKillersPod

We catch up on how we are feeling about the team now vs expectations we had in the beginning of the season. We also ask about what we have been surprised about? Then we do a deep dive into Blake "Hot Wheels" Wesley (a nickname we should all get behind!)00:10 Expectations vs reality6:30 Half time adjustments who knew we'd ever come to love the 3rd quarter? 10:15 Donovan Klingan's growth36:15 Blake "Hot Wheels" Westley: Early life and NBA52:53 Family and Community1:1:18:47 Nicknames: if a player has to give themselves a nickname thats on us 1:24:15 Schedule chaos (and betting Booooooooo)https://x.com/MananaZoo/status/1942742940666786296 Spurs Fans Reddit thread about Blake WesleyAfter ‘depressing' summer, Blake Wesley in mix for spot in Trail Blazers rotationFrost Spurs Stories | San Antonio Spurs Blake Wesley's Trip Back Home What Blake Wesley brings to the San Antonio Spurs: ‘He got guys easier shots' - The AthleticEx-Riley hoops coach threatens lawsuit against South Bend schoolsDerrick Wesley, Jr. v. South Bend Community School Corporation et al, No. 3:2019cv00032 - Document 53 (N.D. Ind. 2019) :: Justia

How did millions travel from the Clippers to Aspiration to Kawhi Leonard? Amin Elhassan and David Samson join Pablo — live onstage at the MIT Sloan Sports Analytics Conference, right where Adam Silver was just sitting — to examine new and extremely credible evidence.Previously on PTFO:• Part I: The Silent Superstar and the Rotten Apple Tree• Part II: An Argument with Mark Cuban• Part III: The Mystery Investor, the No-Show Payday and the "Smoking Gun"• Part IV: Steve Ballmer, the Other Cuban and the $118 Million Infusion• Part V: Steve Ballmer's "Inconceivable" Donation, the $20 Million Guarantee and a Head on a Spike• Part VI: An IRL Showdown with Mark Cuban• Part VII: The Briefcase, Ballmer's Social Network and Aspiration's House of Cards• Part VIII: Uncle Dennis, Ballmer's $50 Million Sprint and the Side Deal That Wouldn't Die• Subscribe to Pablo's newsletter for exclusive access, documents and invites• Subscribe to "Nothing Personal with David Samson"• Subscribe to "Basketball Illuminati" with Amin Elhassan(Pablo Torre Finds Out is independently produced by Meadowlark Media and distributed by The Athletic. The views, research and reporting expressed in this episode are solely those of Pablo Torre Finds Out and do not reflect the work or editorial input of The Athletic or its journalists.) Hosted on Acast. See acast.com/privacy for more information.

Matzot & Menachot Lishma/Sh'murot - Document for Daf 55 by Simon Wolf

Leaving is the most dangerous time.The moment you start seeing clearly is the moment risk spikes. The relationship was never about love. It was about control. When control slips, they tighten their grip.This is Part 5 of "Surviving the Fog"—examining escalation through the Kouri Richins case. We're not diagnosing anyone. We're exploring documented patterns.Prosecutors allege Eric was asking questions. Wanted to change his will. Something was shifting.Valentine's Day 2022: Eric allegedly gets sick after eating a sandwich prosecutors say Kouri bought. He recovers.Two weeks later, five times the lethal dose of fentanyl.If the prosecution's timeline is correct, Eric was in the danger zone without knowing it.Narcissistic collapse happens when control is threatened. The response isn't reflection. It's rage. Escalation.Lethality indicators: escalating threats, weapons access, stalking, strangulation history, possessiveness, separation intent, financial desperation."If I can't have you, no one can" is ownership, not romance.The danger zone is real. But so is the other side. People leave every day and survive. The fog lifts. The chains break.Leave strategically. Make a plan. Tell someone. Document everything.You're worth saving.Kouri Richins is presumed innocent until proven guilty.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #HiddenKillers #DangerZone #SurvivingTheFog #LethalityIndicators #DomesticViolence #EricRichins #LeavingAbuse #CoerciveControl #SafetyPlanning

François Bayrou s'est imposé une cure de silence, après son départ de Matignon sous les critiques après un vote kamikaze sur la dette. Remis d'une hospitalisation en réanimation à cause d'une grippe sévère, l'ancien Premier ministre s'est confié à RTL.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

What happens when vintage American steel meets modern performance engineering? This week on The Collector Car Podcast, I sit down with Daniel van Doveren of Vigilante 4x4 to talk about the booming world of high-end Jeep restomods. Vigilante has quietly become one of the most respected names in the space, transforming classic Willys and early Jeep models into fully reengineered machines with modern drivetrains, refined interiors, and show-stopping craftsmanship. Daniel shares how Vigilante 4x4 approaches restoration versus reinvention, what collectors are really looking for in today's vintage 4x4 market, and why properly executed restomods are earning serious respect alongside traditional concours restorations. We also dive into: The rising demand for classic SUVs and 4x4s What separates a high-quality restomod from a quick build The economics behind six-figure custom Jeeps Why early utility vehicles are becoming lifestyle statements If you've ever wondered whether restomods belong in serious collections — this episode may change your perspective. Learn more at: https://www.vigilante4x4.com/ #CollectorCarPodcast #Vigilante4x4 #DanielVanDoveren #Restomod #RestomodJeep #ClassicJeep #Vintage4x4 #CollectorCars #ClassicSUV #OffRoadIcons #AutomotiveEntrepreneur #CarCollectors  

Matzot & Menachot Lishma/Sh'murot - Document for Daf 53 by Simon Wolf

Prosecutors call it LISK's "blueprint for murder." Defense calls it circumstantial. Today we examine every section of the planning document allegedly found on the Gilgo Beach Killer's hard drive.The file was hidden in unallocated space—someone tried to delete it. Forensic analysts recovered it. According to court documents, it allegedly contained eighty-seven details organized into operational sections."Supplies" allegedly listed cutting tools, acid, tarps, cat litter. "Body Prep" allegedly stated: "remove head and hands, remove ID marks like tattoos." "Things to Remember" allegedly contained the Long Island Serial Killer's lessons from previous crimes."Hit harder," one entry allegedly read. "Light rope broke under stress of being tightened."Suffolk County DA Ray Tierney stated: "The methodology in that document is in some cases identical to the methodology used to murder the victims in this case."Jessica Taylor was found along Ocean Parkway decapitated with mutilated tattoos. Valerie Mack's remains were scattered in a similar pattern. The document allegedly describes exactly this methodology.But here's the detail that takes the Gilgo Beach case to another level: references to FBI profiler John Douglas's Mindhunter. Specific page numbers. Prosecutors allege LISK studied behavioral analysis to avoid getting caught.When investigators returned to the alleged Long Island Serial Killer's basement, infrared examination allegedly revealed physical evidence matching the document's descriptions. Adhesive residue. Push pins in the drop ceiling.The defense has challenged the DNA evidence and pointed to other suspects. Rex Heuermann has pleaded not guilty to all Gilgo Beach murder charges.The LISK trial is set for September 2026. Part 2 of 5.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RexHeuermann #LISK #GilgoBeachKiller #TrueCrimeToday #LongIslandSerialKiller #GilgoBeachMurders #PlanningDocument #OceanParkway #SuffolkCounty #Mindhunter

What prosecutors found on Rex Heuermann's hard drive may be the most damning evidence in the Gilgo Beach case—a deleted Microsoft Word document they say the Long Island Serial Killer used as a literal instruction manual.The file was titled HK2002-04. According to court documents, it allegedly contained eighty-seven details organized into sections: Problems, Supplies, Targets, Dump Sites, Pre-Prep, Prep, Body Prep, and Things to Remember."Remove head and hands," the Body Prep section allegedly stated. "Remove ID marks like tattoos."Jessica Taylor's remains were found along Ocean Parkway with her head removed, arms severed, and a tattoo mutilated. Valerie Mack's body was discovered in similar condition.But the "Things to Remember" section may be most disturbing. According to prosecutors, it allegedly contained LISK's lessons learned from previous crimes:"Hit harder—too many hit to take down." "Use heavy rope for neck—light rope broke under stress of being tightened." "More sleep & noise control = more play time."References to "next time" allegedly indicate prior experience being refined.And then there's the FBI connection. The Gilgo Beach Killer's document allegedly referenced specific pages in John Douglas's Mindhunter—the foundational text for behavioral analysis. Prosecutors allege LISK studied how killers get caught and used it to avoid detection.When Suffolk County investigators returned to the alleged Long Island Serial Killer's home, infrared examination allegedly revealed adhesive residue and push pins matching descriptions in the document.Rex Heuermann has pleaded not guilty. The Gilgo Beach trial is September 2026.Part 2 of 5: The Architect of Horror.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RexHeuermann #LISK #GilgoBeachKiller #HiddenKillers #LongIslandSerialKiller #GilgoBeachMurders #PlanningDocument #OceanParkway #Mindhunter #SuffolkCounty

What happens when a “conservative Bible college kid” becomes a Spirit-filled father-hearted leader… after walking through heartbreak, foster care adoption, trauma, near-death burnout, and a personal encounter with Jesus?In this episode of Greater Formation & Power, Coach Tom sits down with Devin Schubert (aka “the man in orange”) for a raw, hope-filled conversation about:·       Devin's journey from Midwestern Christian roots and rebellion → to ministry and a deeper “yes” to God·       15 years in child welfare, building foster-care support through local churches, and what the Church often misses about caring for families in crisis·       Parenting through severe trauma and mental health challenges — and how chronic stress nearly took his life·       A powerful encounter with Jesus… and why Devin's healing came through a process, not just an instant moment·       The maturity shift: don't chase signs and wonders — chase the Father·       What to do when God feels silent: learning to “find Him in everything,” not just listen for a voice·       Why naming your struggle isn't “negative confession” — it's often the first step to surrender and freedom·       Devin's burden: releasing the Father's love in a way that brings healing, deliverance, and deep safety·       A Nehemiah-style framework for calling: fasting/praying for the plan, then bringing it to the King for favor and protection·       Devin's mission: helping a million people share their stories across media — because your story is part of your purposeDevin closes by praying a tender, powerful prayer for healing — especially for those carrying pain connected to fathers or father-figures. Don't rush off at the end. Sit with it. Receive............................Devin is founder of influence academy where he helps Christian Coaches and speakers grow their influence the way Jesus did. After being on 2 reality TV shows and over 100 stages in 2024 he is on a mission to help people advance the Kingdom. You can learn more about Devin by going to his Facebook page: https://www.facebook.com/schubertdevinYou can learn about his coaching business at  https://storiestostages.com/ __________________________You can connect with Coach Tom at:https://greaterformation.com/Email: Tom@GreaterFormation.com P.S. ... If you are stalled in life, or particularly if you are in transition, here are two ways I can help you Get Clear, Get Focused and Be Fruitful!1. Grab a Free Copy of my "4 Key Steps to Clarity and Fruitfulness" Document. It's a Blueprint to help you move ahead. Click Here2. Work with me:I can help you Clarify, Plan, and take Bold Steps into Your Future. Book a Free 30-Minute Clarity and Fruitfulness Session with me: Click Here

Part 2 of 5: The document prosecutors say proves everything about the Gilgo Beach murders.Hidden on one of fifty-eight hard drives seized from Rex Heuermann's Massapequa Park basement, forensic analysts found a deleted Microsoft Word file titled HK2002-04. According to court documents, it allegedly contained eighty-seven details prosecutors call LISK's "blueprint for serial murder."In this episode, we examine every section of the alleged Long Island Serial Killer's planning document and its connection to the Gilgo Beach victims.According to bail applications and court filings, the document allegedly contained: "Supplies": cutting tools, acid, hair nets, tarps, cat litter "TGR" (targets): notes that "small is good" for victims "DS" (dump sites): including Mill Road in Manorville, where Jessica Taylor and Valerie Mack were found "Body Prep": "remove head and hands, remove ID marks like tattoos" "Things to Remember": "hit harder," "heavy rope for neck—light rope broke" Jessica Taylor was found along Ocean Parkway decapitated with mutilated tattoos. The methodology allegedly matches.The Gilgo Beach Killer's document also allegedly referenced pages in FBI profiler John Douglas's Mindhunter—passages about perpetrator psychology and crime scene behavior. Prosecutors allege LISK studied how serial killers get caught.When Suffolk County investigators returned to the home, infrared examination allegedly revealed physical evidence matching the document: adhesive residue on paneling, push pins in drop ceilings.DA Tierney: "The exact method by which these murders were committed in excruciating detail in that document is in some cases identical to the methodology used to murder the victims."Rex Heuermann has pleaded not guilty. The Gilgo Beach trial is September 2026.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RexHeuermann #GilgoBeach #LISK #GilgoBeachKiller #LongIslandSerialKiller #GilgoBeachMurders #PlanningDocument #OceanParkway #JessicaTaylor #ValerieMack

Send a text Fear does not disappear just because you have proof that you are capable. In this episode, I share what running has been teaching me about doubt, imposter syndrome, and the mental battles that show up long before your feet hit the pavement.From worrying about pace and injury to questioning whether I am “really” a runner, this is an honest look at what happens when your head tries to talk you out of growth. If you have ever let fear whisper “What if you can't?” before you even begin, this conversation will remind you that you can move forward anyway.What You'll Learn:Why progress does not automatically silence fearHow to separate pace, performance, and identity from your self-worthPractical ways to keep showing up when doubt gets loudKey Takeaways:Fear is not a stop sign, it is a signal to prepare and keep movingConsistency builds self-trust faster than perfection ever willYou do not need to be fearless to grow, you just need to be willingCall to Action:Identify one area of your life where fear has been getting in your way. Instead of waiting to feel confident, take one small step forward this week. Document it, reflect on it, and remind yourself that showing up, even imperfectly, is how courage is built.Listen on: Apple Podcasts, Spotify, and more.______________________________You can find me here:Instagram: @gingerbizWebsite: https://www.katymurrayphotography.com/Facebook: https://www.facebook.com/groups/TipsandTricksforyourbusinessX: https://twitter.com/GingerBizKMLinkedIn: https://www.linkedin.com/in/katy-murray-ginger-biz/ 

Have you ever considered that some of the beliefs shaping your life… aren't actually true?Most of us didn't choose “lies” on purpose. They formed slowly—through words spoken over us, painful experiences, and moments when we were just trying to make sense of life. But those beliefs don't just affect how we think… they shape how we live.In this podcast, I'll help you:Recognize the lies you may be believing about yourself, God, others, and lifeSee two primary ways lies get exposed (God's revelation + people's truth)Learn a simple pathway to overturn them: humility, teachability, God's perspective, honest friendships, and wise mentorsBecause the good news is real: the lies you learned can be unlearned.Fruitfulness follows clarity—and clarity begins when truth replaces false agreements.Reflection questions:What false perspective is God addressing in you right now?What are you doing to respond to it?Who have you invited to speak truth into your life?What might God be surfacing “under the surface” that needs action?__________________________You can connect with Coach Tom at:https://greaterformation.com/Email: Tom@GreaterFormation.com P.S. ... If you are stalled in life, or particularly if you are in transition, here are two ways I can help you Get Clear, Get Focused and Be Fruitful!1. Grab a Free Copy of my "4 Key Steps to Clarity and Fruitfulness" Document. It's a Blueprint to help you move ahead. Click Here2. Work with me:I can help you Clarify, Plan, and take Bold Steps into Your Future. Book a Free 30-Minute Clarity and Fruitfulness Session with me: Click Here

This week, as Mars enters Pisces, the sign of the spiritual warrior, prepare to fight for what's meaningful to you. Eclipse season continues with a Full Moon Total Lunar Eclipse in Virgo. The Sun and Jupiter spotlight positivity and optimism. Venus finishes up its journey through Pisces with an aspect to Uranus, then enters Aries and aspects Saturn and Neptune. Mercury makes a lovely aspect to Jupiter. And sorry, once again, no time for a listener question this week, but keep sending your questions for future episodes! Plus: A croaky voice, dealing with the everyday world, and widening the inner circle! Read a full transcript of this episode. Have a question you'd like answered on the show? Email April or leave it here! Subscribe to April's mailing list and get a free lunar workbook at each New Moon! Love the show? Make a donation! Timestamps [1:56] Mars enters Pisces (Mar. 2, 6:16 am PST), until April 9. When action is filled with meaning and sensitivity, it brings healing. [4:35] Moon Report! Virgo Full Moon Lunar Eclipse (Mar. 3, 3:38 am PST) at 12°53' Virgo and Pisces. See if you can find similar threads from these past eclipses: Sep. 1, 2016, and Mar. 3, 2007. Let go of excessive criticism and judgmental tendencies. [8:12] Lunar Phase Family Cycle (LPFC). This is the Full Moon (awareness point) in an LPFC that began on Sep. 2, 2024, with a New Moon at 11°4' Virgo. The First Quarter (first action point) was on June 2, 2025, at 12°50' Virgo. The Last Quarter (last action point) comes on Nov. 30, 2026, at 09°03' Virgo. [10:34] Void-of-Course (VOC) Moon periods. The Moon in Leo opposes Mars in Aquarius (Mar. 2, 4:27 am PST). It's VOC for 7 minutes, then enters Virgo (4:34 am PST). Release difficult emotions through physical exercise. [11:52] The Moon in Virgo trines Uranus in Taurus (Mar. 4, 6:53 am PST). It's VOC for 4 hours, 3 minutes, then enters Libra (10:56 am PST). Adopt an “I can fix that!” attitude. [12:48] The Moon in Libra squares Jupiter in Cancer (Mar. 5, 3:22 pm PST). It's VOC for 1 day, 4 hours, 39 minutes, then enters Scorpio (Mar. 6, 8:01 pm PST). Address relational and communicative concerns with fairness and objectivity. [14:39] The Sun trines Jupiter (Mar. 5, 9:14 am PST) at 15°8' Pisces and Cancer. This is a genuinely supportive and feel-good transit. Great for tapping into your intuition, self-promotion, exploring creativity, luck and taking risks. [17:11] It's cazimi time! The Sun conjoins with Mercury (Mar. 7, 3:02 am PST) at 16°52' Pisces, on the Sabian symbol 17 Pisces, An Easter Promenade. Check out Ep. 259's Listener Question for a refresher on cazimi periods. Pay attention to your intuition and celebrate your spirituality with a traditional public ritual. [19:42] Venus sextiles Uranus (Mar. 4, 8:41 am PST) at 27°49' Pisces and Taurus. Relationships and finances could take an unexpected turn. [22:27] Venus enters Aries (Mar. 6, 2:46 am PST) and will be in this sign until Mar. 30, 2026. Venus knows exactly what she wants in Aries, a no-frills placement. In relationships, the thrill is in the chase. [24:15] Venus conjuncts Neptune (Mar. 7, 3:27 am PST) at 1°16' Aries. Let go of what drains you and no longer suits you. [27:00] Venus conjuncts Saturn (Mar. 8, 6:40 am PST) at 2°38' Aries. This transit can help you clarify needs versus wants. Ask for help. Do a ritual. [29:53] Mercury trines Jupiter (Mar. 8, 10:23 pm PDT) at 15°5' Pisces and Cancer. Expect a flood of sensory overload and miscommunication, alongside literal disruptions like travel delays or severe weather. Document ideas, but try to avoid cherry-picking facts. [32:14] Unfortunately, there was too much to cover in this week's sky for a Listener Question – but keep those questions coming in! Leave a message of one minute or less at speakpipe.com/bigskyastrologypodcast or email april (at) bigskyastrology (dot) com; put “Podcast Question” in the subject line. Free ways to support the podcast: subscribe, like, review and share with a friend! [33:18] A tribute to this week's donors! If you would like to support the show and receive access to April's special donors-only videos, go to BigSkyAstropod.com and contribute $10 or more. You can make a one-time donation in any amount or become an ongoing monthly contributor.

Meetings don't have to drain time or energy. In fact, they can become one of the most effective tools in a well-run practice! In this episode of the Everyday Oral Surgery Podcast, Dr. Grant Stucki welcomes back Dr. Roger Levin, founder and CEO of Levin Group, for a focused discussion on conducting effective daily business meetings, also known as morning huddles. Dr. Levin challenges the idea that meetings are inherently inefficient and explains why, when done well, they're essential for clear communication in busy oral surgery practices. He breaks down ten practical rules for running effective daily meetings, showing how short, structured check-ins help organize the day, reduce interruptions, and keep teams aligned. The conversation also clarifies what belongs in a daily meeting versus a monthly staff meeting and why office managers play a critical role in setting agendas, managing time, and maintaining focus. Tune in for practical guidance on turning daily meetings into a reliable system that supports efficiency, leadership, and teamwork in your practice!Key Points From This Episode:How meetings gained a reputation as inefficient in business.Why oral surgery practices rely on meetings more than most industries.Three essential meetings for practices: daily business, monthly staff, and annual strategy.A breakdown of Dr. Levin's ten rules for daily business meetings.Rule 1: Start with why and a clear agenda for every meeting.Rule 2: Define the objective so everyone knows what the meeting is for.Rule 3: Invite only the people who truly need to be in the meeting.Rule 4: Start on time and end on time to show respect and leadership.Rule 5: Appoint a facilitator to run and control the meeting.Rule 6: Keep updates brief to maintain focus and momentum.Rule 7: Use a “parking lot” to keep discussions on agenda and save off-topic ideas for later.Rule 8: Encourage participation so meetings stay relevant and engaging.Rule 9: Document action items, assign them, and give deadlines.Rule 10: Follow up immediately so meetings lead to real action.Why short, consistent daily meetings outperform long, infrequent ones.Links Mentioned in Today's Episode:Dr. Roger Levin — https://www.linkedin.com/in/roger-levin-69ab744/ Levin Group — https://levingroup.com/Office Manager Practice Mastery Program — https://levingroup.com/office-manager-practice-mastery-program/Episode 313 — https://podcasts.apple.com/us/podcast/10-power-tips-for-multi-office-practice-growth-with-dr/id1535284898?i=1000717140271Episode 343 —Episode 346 —Everyday Oral Surgery Website — https://www.everydayoralsurgery.com/ Everyday Oral Surgery on Instagram — https://www.instagram.com/everydayoralsurgery/ Everyday Oral Surgery on Facebook — https://www.facebook.com/EverydayOralSurgery/Dr. Grant Stucki Email — grantstucki@gmail.comDr. Grant Stucki Phone — 720-441-6059

One of the key figures in the rise of Jeffrey Epstein was Les Wexner. At one point in time they were so close that Jeffrey Epstein was advising and managing Wexner's financiallys exclusively. Yet Les Wexner is rarely brought up by the legacy media when discussing Jeffrey Epstein and his origins. In this episode, we take another look at the relationship between Jeffrey Epstein and Les Wexner and how there longstanding partnership should recieve more scrutiny. (commercial at 8:46)to contact me:bobbycapucci@protonmail.comsource:Jeffrey Esptein, Les Wexner relationship shown in court documents (cincinnati.com)

A deep dive into one of the most overlooked -- and fascinating -- sides of the 2016 Nobel Prize in Literature winner: Bob Dylan, the filmmaker. While his music and lyrics have been studied endlessly, his work behind (and in front of) the camera remains largely unexplored. No other book has taken this angle, and with Dylan's legend still growing, the audience is more than ready for a bold new take. Bob Dylan as Filmmaker: No Time to Think (McNidder and Grace, 2026), the first book of its kind, opens up exciting new ways to think about the artistry of Bob Dylan. It offers a captivating exploration into movies that, according to Michael, showcase Bob Dylan not just as a subject, but as the primary author. These include Eat the Document--a short, experimental television film shot in 1966 and released in 1972; the sprawling, genre-blurring epic Renaldo and Clara (1978), both directed by Dylan himself; and the darkly surreal Masked and Anonymous (2003), directed by Larry Charles but co-written by and starring Dylan. Bob Dylan as Filmmaker explores what these movies reveal about "how it feels" to be Bob Dylan during three defining eras of his career: the revolutionary 1960s, the introspective 1970s, and the enigmatic early 2000s. Just as crucially, they illuminate Dylan's remarkable instinct for using film not merely as a medium, but as a deeply personal mode of expression. The book also provides an essential survey of Dylan's most recent movie projects, including those by other directors, in which Dylan's influence is less overt but no less powerful. Here, Michael argues that Dylan operates as a kind of "invisible co-author" in Martin Scorsese's Rolling Thunder Revue (2019), where Dylan appears as a slippery, self-mythologizing interviewee; Alma Har'el's haunting Shadow Kingdom (2021), a stylized livestream performance; and James Mangold's A Complete Unknown (2024), the Timothée Chalamet-led biopic shaped in part by Dylan's behind-the-scenes "script approval." Michael Glover Smith is a Chicago-based filmmaker, author and teacher. Michael's most recent movie, Hekla, starring Elizabeth Stam, will have it's festival premiere in early 2026. Michael is also the director of four award-winning feature films, the most recent of which, Relative, stars Wendy Robie (Twin Peaks) and is distributed by Music Box Films. His previous book, Flickering Empire: How Chicago Invented the U.S. Film Industry (co-written with Adam Selzer), was published by Columbia University Press to acclaim in 2015. He has seen Bob Dylan 100 times in concert. Michael on Twitter and Bluesky. Bradley Morgan is a media arts professional in Chicago and author of U2's The Joshua Tree: Planting Roots in Mythic America (Backbeat Books, 2021), Frank Zappa's America (LSU Press, 2025), and U2: Until the End of the World (Gemini Books, 2025). He manages partnerships on behalf of CHIRP Radio 107.1 FM and is the director of its music film festival. Bradley on Facebook and Bluesky. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

A deep dive into one of the most overlooked -- and fascinating -- sides of the 2016 Nobel Prize in Literature winner: Bob Dylan, the filmmaker. While his music and lyrics have been studied endlessly, his work behind (and in front of) the camera remains largely unexplored. No other book has taken this angle, and with Dylan's legend still growing, the audience is more than ready for a bold new take. Bob Dylan as Filmmaker: No Time to Think (McNidder and Grace, 2026), the first book of its kind, opens up exciting new ways to think about the artistry of Bob Dylan. It offers a captivating exploration into movies that, according to Michael, showcase Bob Dylan not just as a subject, but as the primary author. These include Eat the Document--a short, experimental television film shot in 1966 and released in 1972; the sprawling, genre-blurring epic Renaldo and Clara (1978), both directed by Dylan himself; and the darkly surreal Masked and Anonymous (2003), directed by Larry Charles but co-written by and starring Dylan. Bob Dylan as Filmmaker explores what these movies reveal about "how it feels" to be Bob Dylan during three defining eras of his career: the revolutionary 1960s, the introspective 1970s, and the enigmatic early 2000s. Just as crucially, they illuminate Dylan's remarkable instinct for using film not merely as a medium, but as a deeply personal mode of expression. The book also provides an essential survey of Dylan's most recent movie projects, including those by other directors, in which Dylan's influence is less overt but no less powerful. Here, Michael argues that Dylan operates as a kind of "invisible co-author" in Martin Scorsese's Rolling Thunder Revue (2019), where Dylan appears as a slippery, self-mythologizing interviewee; Alma Har'el's haunting Shadow Kingdom (2021), a stylized livestream performance; and James Mangold's A Complete Unknown (2024), the Timothée Chalamet-led biopic shaped in part by Dylan's behind-the-scenes "script approval." Michael Glover Smith is a Chicago-based filmmaker, author and teacher. Michael's most recent movie, Hekla, starring Elizabeth Stam, will have it's festival premiere in early 2026. Michael is also the director of four award-winning feature films, the most recent of which, Relative, stars Wendy Robie (Twin Peaks) and is distributed by Music Box Films. His previous book, Flickering Empire: How Chicago Invented the U.S. Film Industry (co-written with Adam Selzer), was published by Columbia University Press to acclaim in 2015. He has seen Bob Dylan 100 times in concert. Michael on Twitter and Bluesky. Bradley Morgan is a media arts professional in Chicago and author of U2's The Joshua Tree: Planting Roots in Mythic America (Backbeat Books, 2021), Frank Zappa's America (LSU Press, 2025), and U2: Until the End of the World (Gemini Books, 2025). He manages partnerships on behalf of CHIRP Radio 107.1 FM and is the director of its music film festival. Bradley on Facebook and Bluesky. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/film

In this episode I talk to Chicago-based filmmaker, author, and college professor Michael Glover Smith about Bob Dylan the filmmaker, specifically his work on Eat the Document (1972), Renaldo & Clara (1978), and Masked & Anonymous (2003).Michael's new book Bob Dylan as Filmmaker: No Time to Think is published by McNidder & Grace on 2nd of March. If you're in the Chicago area and interested in attending the book launch and screening of Masked & Anonymous on 35mm, you can get your tickets here. Get your Definitely Dylan baseball cap here.You can support Definitely Dylan on Patreon or with a one-off donation at buymeacoffee.com/definitelydylan.

Before you open another Google Docs, you need to hear this episode. Today, we're talking to Anand Narasimhan, CTO at S Docs. We discuss why organizations pay $94,000 in compliance penalties due to documentation errors, how 57% of employees bypass official tools when under deadline pressure, and why automation must come before autonomous AI in enterprise workflows.  All of this right here, right now, on the Modern CTO Podcast!  Thank you to S-Docs for sponsoring this episode. To learn more, check out their website here.

The spring auction season is here — and the collector car market is about to speak loud and clear. In this episode of The Collector Car Podcast, I break down the headline cars and sleeper opportunities coming to RM Sotheby's Miami, plus the powerhouse offerings headed to Broad Arrow Auctions and Gooding Christie's at Amelia Island Concours d'Elegance. Which cars will set the tone for the 2026 market? Where are reserves positioned smartly — and where might sellers be pushing? Are we seeing strength in blue-chip Ferraris and Porsches… or are modern collectibles and analog supercars stealing the spotlight? From seven-figure headline cars to six-figure entry points, I walk through: • Market trends I'm seeing behind the scenes • Cars I'd personally target (and why) • Potential record-breakers • Smart buys for emerging enthusiasts • And a few surprises that could shake up the weekend If you're buying, selling, or simply trying to understand where the collector car market is heading next — this is your insider preview. Let's dive in.

In this episode, Maddy Roche and Bri Conn, CFP®, explain why legal documents alone aren't enough. Estate plans grant authority. Care plans provide direction. They spell out the details that make real-world care possible: where to find your mailbox key, your alarm code, how to feed your pets, what medical history your doctors should know, and what living with dignity truly means to you.They also discuss documenting cultural or religious preferences and why these plans should be treated as living documents, updated as your life, relationships, and values evolve.Key Takeaways:Estate plans give the who, care plans give the how. Legal documents grant someone the power to make decisions. Care plans outline what those decisions should actually look like, from daily routines to end-of-life wishes.Document the everyday details others wouldn't know. Alarm codes, mailbox locations, pet feeding routines, storage facilities, and where to find important items are all critical for someone stepping into your life.Define what life with dignity means to you. Cultural preferences, religious practices, LGBTQ+ identity, and personal boundaries should be clearly stated so your wishes are honored, not someone else's assumptions.Build a team to support you as you age. Financial planners, doctors, and aging care managers all play a role in ensuring your care plan can actually be executed when you need it.Treat your care plan as a living document. Update it as your life changes. New pet, new home, new diagnosis, new preferences. The goal is to keep it current so it reflects who you are now.Episode Hosts:Maddy Roche - Chief Growth Officer at Childfree Trust® and responsible for all sales & marketing initiatives.Bri Conn, CFP® - Customer Experience Manager at Childfree Trust®. Bri coaches clients through estate planning and care plan development, helping them document their wishes and build support teams.About Childfree InsightsChildfree Insights is a trusted resource for life planning without children. It explores financial planning, estate planning, relationships, and long-term decisions for adults building a future without kids. Home of Childfree Wealth® and Childfree Trust®.Connect with Us: Ready to work on building better financial habits? Connect with our financial planning team at childfreewealth.com or learn more about estate planning at childfreetrust.com. Follow Childfree Life by Design on your favorite podcast platform and join the conversation on social media: Instagram: https://www.instagram.com/childfreeinsightsFacebook: https://www.facebook.com/ChildfreeInsights/LinkedIn: https://www.linkedin.com/company/childfreeinsightsYouTube: https://www.youtube.com/@ChildfreeInsights Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

Choctaw homicide detective Perry Antelope works on a missing persons case alongside the Choctaw Lighthorsemen tribal police in Devon Mihesuah's (Choctaw) new mystery novel, “Blood Relay“. The story of the disappearance of a young athlete is set against the backdrop of the competitive bareback horse relay racing. The fictional fast-paced thriller also takes on the real-life issue of missing and murdered Indigenous relatives and the evolving jurisdictional complexities between federal, state, and tribal law enforcement in Oklahoma. Mihesuah, a historian and the Cora Lee Beers Price Teaching Professor at the University of Kansas, continues her tradition of creating strong leading women. She's the author of the detective Monique Blue Hawk series (“Document of Expectations”, “Dance of the Returned“ and “The Hatak Witches“) and the 2024 collection of horror stories, “The Bone Picker“. She authored several non-fiction titles including “Recovering Our Ancestors’ Gardens: Indigenous Recipes and Guide to Diet and Fitness”. We add Mihesuah's Blood Relay to our Native Bookshelf.

Colonel Grant Newsham discusses Document 9, which targets Western ideas for destruction, alongside China'smassive military buildup and the devastating political consequences of a potential fall of Taiwan for Americancredibility. 41905 Qing Dynasty

7. Bunker 7: NSC-68 and the Massive Military Buildup. In response to the Soviet atomic test, Paul Nitze authored NSC-68, a top-secret document advocating for a massive tripling of the United States' defense budget. Guest: Nick Bunker.

Hosts Jim DeRogatis and Greg Kot discuss the music, history and legacy of R.E.M. with biographer Peter Ames Carlin. The hosts share their own personal experiences covering the band over the years.Join our Facebook Group: https://bit.ly/3sivr9TBecome a member on Patreon: https://bit.ly/3slWZvcSign up for our newsletter: https://bit.ly/3eEvRnGMake a donation via PayPal: https://bit.ly/3dmt9lUSend us a Voice Memo: Desktop: bit.ly/2RyD5Ah Mobile: sayhi.chat/soundops Featured Songs:R.E.M., "Losing My Religion," Out of Time, Warner Bros., 1991The Beatles, "With A Little Help From My Friends," Sgt. Pepper's Lonely Hearts Club Band, Parlophone, 1967R.E.M., "It's the End of the World As We Know It (And I Feel Fine)," Document, I.R.S., 1987R.E.M., "Orange Crush," Green, Warner Bros., 1988R.E.M., "The One I Love," Document, I.R.S., 1987R.E.M., "Radio Free Europe," Murmur, I.R.S., 1983R.E.M., "Begin the Begin," Lifes Rich Pageant, I.R.S., 1986R.E.M., "Low," Out of Time, Warner Bros., 1991R.E.M., "Bittersweet Me," New Adventures in Hi-Fi, Warner Bros., 1996R.E.M., "Everybody Hurts," Automatic for the People, Warner Bros., 1992R.E.M., "Imitation of Life," Reveal, Warner Bros., 2001R.E.M., "Shiny Happy People," Out of Time, Warner Bros., 1991R.E.M., "Strange Currencies," Monster, Warner Bros., 1994R.E.M., "What's the Frequency, Kenneth?," Monster, Warner Bros., 1994R.E.M., "Man on the Moon," Automatic for the People, Warner Bros., 1992Beach Bunny, "Big Pink Bubble (Live on Sound Opinions)," Tunnel Vision, AWAL, 2025See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Introducing “Safe to Drink:” A New Hampshire town finds out its water has been contaminated by a chemical. The most basic question — whether the water is safe to drink — doesn't have a clear answer. Nobody seems to know much about this so-called forever chemical, which is weird because… this has all happened before. From the Document team at New Hampshire Public Radio, "Safe to Drink" is a four-part series about the water contamination story that keeps repeating in town after town — and about the people who fought for answers through a maze of chemistry, regulations, and illnesses. Learn more about your ad choices. Visit megaphone.fm/adchoices