Podcasts about Document

What happens when your voice is built through visuals, not volume? In this Unstoppable Mindset episode, I talk with photographer and storyteller Mobeen Ansari about growing up with hearing loss, learning speech with support from his family and the John Tracy Center, and using technology to stay connected in real time. We also explore how his art became a bridge across culture and faith, from documenting religious minorities in Pakistan to chronicling everyday heroes, and why he feels urgency to photograph climate change before more communities, heritage sites, and ways of life are lost. You'll hear how purpose grows when you share your story in a way that helps others feel less alone, and why Mobeen believes one story can become a blueprint for someone else to navigate their own challenge. Highlights: 00:03:54 - Learn how early family support can shape confidence, communication, and independence for life. 00:08:31 - Discover how deciding when to capture a moment can define your values as a storyteller. 00:15:14 - Learn practical ways to stay fully present in conversations when hearing is a daily challenge. 00:23:24 - See how unexpected role models can redefine what living fully looks like at any stage of life. 00:39:15 - Understand how visual storytelling can cross cultural and faith boundaries without words. 00:46:38 - Learn why documenting climate change now matters before stories, places, and communities disappear. About the Guest: Mobeen Ansari is a photographer, filmmaker and artist from Islamabad, Pakistan. Having a background in fine arts, he picked up the camera during high school and photographed his surroundings and friends- a path that motivated him to be a pictorial historian. His journey as a photographer and artist is deeply linked to a challenge that he had faced since after his birth.  Three weeks after he was born, Mobeen was diagnosed with hearing loss due to meningitis, and this challenge has inspired him to observe people more visually, which eventually led him to being an artist. He does advocacy for people with hearing loss.  Mobeen's work focuses on his home country of Pakistan and its people, promoting a diverse & poetic image of his country through his photos & films. As a photojournalist he focuses on human interest stories and has extensively worked on topics of climate change, global health and migration. Mobeen has published three photography books. His first one, ‘Dharkan: The Heartbeat of a Nation', features portraits of iconic people of Pakistan from all walks of life. His second book, called ‘White in the Flag' is based on the lives & festivities of religious minorities in Pakistan. Both these books have had two volumes published over the years. His third book is called ‘Miraas' which is also about iconic people of Pakistan and follows ‘Dharkan' as a sequel. Mobeen has also made two silent movies; 'Hellhole' is a black and white short film, based on the life of a sanitation worker, and ‘Lady of the Emerald Scarf' is based on the life of Aziza, a carpet maker in Guilmit in Northern Pakistan. He has exhibited in Pakistan & around the world, namely in UK, Italy, China Iraq, & across the US and UAE. His photographs have been displayed in many famous places as well, including Times Square in New York City. Mobeen is also a recipient of the Swedish Red Cross Journalism prize for his photography on the story of FIFA World Cup football manufacture in Sialkot. Ways to connect with Mobeen**:** www.mobeenansari.com Facebook: www.facebook.com/mobeenart  Linkedin: https://www.linkedin.com/in/mobeenansari/ Instagram: @mobeenansariphoto X: @Mobeen_Ansari About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us. Michael Hingson  01:20 Well, hi everyone, and welcome to another episode of unstoppable mindset. I am your host. Michael Hingson, we're really glad that you are here, and today we are going to talk to Mobeen Ansari, and Mobeen is in Islamabad. I believe you're still in Islamabad, aren't you? There we go. I am, yeah. And so, so he is 12 hours ahead of where we are. So it is four in the afternoon here, and I can't believe it, but he's up at four in the morning where he is actually I get up around the same time most mornings, but I go to bed earlier than he does. Anyway. We're really glad that he is here. He is a photographer, he speaks he's a journalist in so many ways, and we're going to talk about all of that as we go forward. Mobin also is profoundly hard of hearing. Uses hearing aids. He was diagnosed as being hard of hearing when he was three weeks old. So I'm sure we're going to talk about that a little bit near the beginning, so we'll go ahead and start. So mo bean, I want to welcome you to unstoppable mindset. We're really glad that you're here. Mobeen Ansari  02:32 It's a pleasure to be here, and I'm honored to plan your show. Thank you so much. Michael Hingson  02:37 Well, thank you very much, and I'm glad that we're able to make this work, and I should explain that he is able to read what is going on the screen. I use a program called otter to transcribe when necessary, whatever I and other people in a meeting, or in this case, in a podcast, are saying, and well being is able to read all of that. So that's one of the ways, and one of the reasons that we get to do this in real time. So it's really kind of cool, and I'm really excited by that. Well, let's go ahead and move forward. Why don't you tell us a little about the early Beau beam growing up? And obviously that starts, that's where your adventure starts in a lot of ways. So why don't you tell us about you growing up and all that. Mobeen Ansari  03:22 So I'm glad you mentioned the captions part, because, you know, that has been really, really revolutionary. That has been quite a lifesaver, be it, you know, Netflix, be it anywhere I go into your life, I read captions like there's an app on my phone that I use for real life competitions, and that's where I, you know, get everything. That's where technology is pretty cool. So I do that because of my hearing does, as you mentioned, when I was three weeks old, I had severe meningitis due to it, had lost hearing in both my ear and so when my hearing loss were diagnosed, it was, you know, around the time we didn't have resources, the technology that we do today. Michael Hingson  04:15 When was that? What year was that about? Mobeen Ansari  04:19 1986 okay, sorry, 1987 so yeah, so they figured that I had locked my hearing at three weeks of age, but didn't properly diagnose it until I think I was three months old. So yeah, then January was my diagnosis, okay. Michael Hingson  04:44 And so how did you how did you function, how did you do things when you were, when you were a young child? Because at that point was kind of well, much before you could use a hearing aid and learn to speak and so on. So what? Mobeen Ansari  05:00 You do. So my parents would have a better memory of that than I would, but I would say that they were, you know, extra hard. They went an extra mile. I mean, I would say, you know, 100 extra mile. My mother learned to be a peace therapist, and my father. He learned to be he learned how to read audiogram, to learn the audiology, familiarize himself with hearing a technology with an engineer support. My parents work around me. David went to a lot of doctors, obviously, I was a very difficult child, but I think that actually laid the foundation in me becoming an artist. Because, you know, today, the hearing is it fits right into my ear so you cannot see it, basically because my hair is longer. But back then, hearing aids used to be almost like on a harness, and you to be full of quiet, so you would actually stick out like a sore thumb. So, you know, obviously you stand out in a crowd. So I would be very conscious, and I would often, you know, get asked what this is. So I would say, this is a radio but for most part of my childhood, I was very introverted, but I absolutely love art. My grandmother's for the painter, and she was also photographer, as well as my grandfather, the hobbyist photographer, and you know, seeing them create all of the visuals in different ways, I was inspired, and I would tell my stories in form of sketching or making modified action figures. And photography was something I picked up way later on in high school, when the first digital camera had just come out, and I finally started in a really interacting with the world. Michael Hingson  07:13 So early on you you drew because you didn't really use the camera yet. And I think it's very interesting how much your parents worked to make sure they could really help you. As you said, Your mother was a speech you became a speech therapist, and your father learned about the technologies and so on. So when did you start using hearing aids? That's Mobeen Ansari  07:42 a good question. I think I probably started using it when I was two years old. Okay, yeah, yeah, that's gonna start using it, but then, you know, I think I'll probably have to ask my parents capacity, but a moment, Mobeen Ansari  08:08 you know, go ahead, I think they worked around me. They really improvised on the situation. They learned at the went along, and I think I learned speech gradually. Did a lot of, you know, technical know, how about this? But I would also have to credit John Troy clinic in Los Angeles, because, you know, back then, there was no mobile phone, there were no emails, but my mother would put in touch with John Troy center in LA and they would send a lot of material back and forth for many years, and they would provide a guidance. They would provide her a lot of articles, a lot of details on how to help me learn speech. A lot of visuals were involved. And because of the emphasis on visuals, I think that kind of pushed me further to become an artist, because I would speak more, but with just so to Michael Hingson  09:25 say so, it was sort of a natural progression for you, at least it seemed that way to you, to start using art as a way to communicate, as opposed as opposed to talking. Mobeen Ansari  09:39 Yeah, absolutely, you know, so I would like pass forward a little bit to my high school. You know, I was always a very shy child up until, you know, my early teens, and the first camera had just come out, this was like 2001 2002 at. It. That's when my dad got one, and I would take that to school today. You know, everyone has a smartphone back then, if you had a camera, you're pretty cool. And that is what. I started taking pictures of my friends. I started taking pictures of my teachers, of landscapes around me. And I would even capture, you know, funniest of things, like my friend getting late for school, and one day, a friend of mine got into a fight because somebody stole his girlfriend, or something like that happened, you know, that was a long time ago, and he lost the fight, and he turned off into the world court to cry, and he was just sort of, you're trying to hide all his vulnerability. I happened to be in the same place as him, and I had my camera, and I was like, should I capture this moment, or should I let this permit go? And well, I decided to capture it, and that is when human emotion truly started to fascinate me. So I was born in a very old city. I live in the capital of Islamabad right now, but I was born in the city of travel to be and that is home to lots of old, you know, heritage sites, lots of old places, lots of old, interesting scenes. And you know, that always inspired you, that always makes you feel alive. And I guess all of these things came together. And, you know, I really got into the art of picture storytelling. And by the end of my high school graduation, everybody was given an award. The certificate that I was given was, it was called pictorial historian, and that is what inspired me to really document everything. Document my country. Document is people, document landscape. In fact, that award it actually has in my studio right now been there for, you know, over 21 years, but it inspired me luck to this day. Michael Hingson  12:20 So going back to the story you just told, did you tell your friend that you took pictures of him when he was crying? Mobeen Ansari  12:32 Eventually, yes, I would not talk. You're familiar with the content back then, but the Catholic friend, I know so I mean, you know everyone, you're all kids, so yeah, very, yeah, that was a very normal circumstance. But yeah, you know, Michael Hingson  12:52 how did he react when you told him, Mobeen Ansari  12:56 Oh, he was fine. It's pretty cool about it, okay, but I should probably touch base with him. I haven't spoken to him for many years that Yeah, Michael Hingson  13:08 well, but as long as Yeah, but obviously you were, you were good friends, and you were able to continue that. So that's, that's pretty cool. So you, your hearing aids were also probably pretty large and pretty clunky as well, weren't they? Mobeen Ansari  13:26 Yeah, they were. But you know, with time my hearing aid became smaller. Oh sure. So hearing aid model that I'm wearing right now that kind of started coming in place from 1995 1995 96 onwards. But you know, like, even today, it's called like BDE behind the ear, hearing it even today, I still wear the large format because my hearing loss is more it's on the profound side, right? Just like if I take my hearing, it off. I cannot hear but that's a great thing, because if I don't want to listen to anybody, right, and I can sleep peacefully at night. Michael Hingson  14:21 Have you ever used bone conduction headphones or earphones? Mobeen Ansari  14:30 But I have actually used something I forgot what is called, but these are very specific kind of ear bone that get plugged into your hearing it. So once you plug into that, you cannot hear anything else. But it discontinued that. So now they use Bluetooth. Michael Hingson  14:49 Well, bone conduction headphones are, are, are devices that, rather than projecting the audio into your ear, they actually. Be projected straight into the bone and bypassing most of the ear. And I know a number of people have found them to be useful, like, if you want to listen to music and so on, or listen to audio, you can connect them. There are Bluetooth versions, and then there are cable versions, but the sound doesn't go into your ear. It goes into the bone, which is why they call it bone conduction. Mobeen Ansari  15:26 Okay, that's interesting, I think. Michael Hingson  15:29 And some of them do work with hearing aids as well. Mobeen Ansari  15:34 Okay, yeah, I think I've experienced that when they do the audio can test they put, like at the back of your head or something? Michael Hingson  15:43 Yeah, the the most common one, at least in the United States, and I suspect most places, is made by a company called aftershocks. I think it's spelled A, F, T, E, R, S, H, O, k, s, but something to think about. Anyway. So you went through high school mostly were, were your student colleagues and friends, and maybe not always friends? Were they pretty tolerant of the fact that you were a little bit different than they were. Did you ever have major problems with people? Mobeen Ansari  16:22 You know, I've actually had a great support system, and for most part, I actually had a lot of amazing friends from college who are still my, you know, friend to the dead, sorry, from school. I'm actually closer to my friend from school than I am two friends of college difficulties. You know, if you're different, you'll always be prone to people who sort of are not sure how to navigate that, or just want, you know, sort of test things out. So to say, so it wasn't without his problems, but for most part of it's surprisingly, surprisingly, I've had a great support system, but, you know, the biggest challenge was actually not being able to understand conversation. So I'm going to go a bit back and forth on the timeline here. You know, if so, in 2021, I had something known as menus disease. Menier disease is something, it's an irregular infection that arises from stress, and what happens is that you're hearing it drops and it is replaced by drinking and bathing and all sorts of real according to my experience, it affects those with hearing loss much more than it affects those with regular, normal hearing. It's almost like tinnitus on steroids. That is how I would type it. And I've had about three occurrences of that, either going to stress or being around loud situations and noises, and that is where it became so challenging that it became difficult to hear, even with hearing it or lip reading. So that is why I use a transcriber app wherever I go, and that been a lifesaver, you know. So I believe that every time I have evolved to life, every time I have grown up, I've been able to better understand people to like at the last, you know, four years I've been using this application to now, I think I'm catching up on all the nuances of conversation that I've missed. Right if I would talk to you five years ago, I would probably understand 40% of what you're saying. I would understand it by reading your lips or your body language or ask you to write or take something for me, but now with this app, I'm able to actually get to 99% of the conversation. So I think with time, people have actually become more tired and more accepting, and now there is more awareness. I think, awareness, right? Michael Hingson  19:24 Well, yeah, I was gonna say it's been an only like the last four years or so, that a lot of this has become very doable in real time, and I think also AI has helped the process. But do you find that the apps and the other technologies, like what we use here, do you find that occasionally it does make mistakes, or do you not even see that very much at all? Mobeen Ansari  19:55 You know it does make mistakes, and the biggest problem is when there is no data, when there is no. Wide network, or if it runs out of battery, you know, because now I kind of almost 24/7 so my battery just integrate that very fast. And also because, you know, if I travel in remote regions of Pakistan, because I'm a photographer, my job to travel to all of these places, all of these hidden corners. So I need to have conversation, especially in those places. And if that ad didn't work there, then we have a problem. Yeah, that is when it's problem. Sometimes, depending on accidents, it doesn't pick up everything. So, you know, sometimes that happens, but I think technology is improving. Michael Hingson  20:50 Let me ask the question. Let me ask the question this way. Certainly we're speaking essentially from two different parts of the world. When you hear, when you hear or see me speak, because you're you're able to read the transcriptions. I'm assuming it's pretty accurate. What is it like when you're speaking? Does the system that we're using here understand you well as in addition to understanding me? Mobeen Ansari  21:18 Well, yes, I think it does so like, you know, I just occasionally look down to see if it's catching up on everything. Yeah, on that note, I ought to try and improve my speech over time. I used to speak very fast. I used to mumble a lot, and so now I become more mindful of it, hopefully during covid. You know, during covid, a lot of podcasts started coming out, and I had my own actually, so I would, like brought myself back. I would look at this recording, and I would see what kind of mistakes I'm making. So I'm not sure if transcription pick up everything I'm saying, but I do try and improve myself, just like the next chapter of my life where I'm trying to improve my speech, my enunciation Michael Hingson  22:16 Well, and that's why I was was asking, it must be a great help to you to be able to look at your speaking through the eyes of the Translate. Well, not translation, but through the eyes of the speech program, so you're able to see what it's doing. And as you said, you can use it to practice. You can use it to improve your speech. Probably it is true that slowing down speech helps the system understand it better as well. Yeah, yeah. So that makes sense. Well, when you were growing up, your parents clearly were very supportive. Did they really encourage you to do whatever you wanted to do? Do they have any preconceived notions of what kind of work you should do when you grew up? Or do they really leave it to you and and say we're going to support you with whatever you do? Mobeen Ansari  23:21 Oh, they were supportive. And whatever I wanted to do, they were very supportive in what my brother had gone to do I had to enter brothers. So they were engineers. And you know what my my parents were always, always, you know, very encouraging of whatever period we wanted to follow. So I get the a lot of credit goes to my my parents, also, because they even put their very distinct fields. They actually had a great understanding of arts and photography, especially my dad, and that really helped me have conversations. You know, when I was younger to have a better understanding of art. You know, because my grandmother used to paint a lot, and because she did photography. When she migrated from India to Pakistan in 1947 she took, like, really, really powerful pictures. And I think that instilled a lot of this in me as well. I've had a great support that way. Michael Hingson  24:26 Yeah, so your grandmother helps as well. Mobeen Ansari  24:32 Oh yeah, oh yeah. She did very, very ahead of her time. She's very cool, and she made really large scale painting. So she was an example of always making the best of life, no matter where you are, no matter how old you are. She actually practiced a Kibana in the 80s. So that was pretty cool. So, you know. Yeah, she played a major part in my life. Michael Hingson  25:05 When did you start learning English? Because that I won't say it was a harder challenge for you. Was a different challenge, but clearly, I assume you learned originally Pakistani and so on. But how did you go about learning English? Mobeen Ansari  25:23 Oh, so I learned about the languages when I started speech. So I mean to be split the languages of Urdu. You are, be you. So I started learning about my mother tongue and English at the same time. You know, basically both languages at work to both ran in parallel, but other today, I have to speak a bit of Italian and a few other regional languages of Pakistan so and in my school. I don't know why, but we had French as a subject, but now I've completely forgotten French at Yeah, this kind of, it kind of helped a lot. It's pretty cool, very interesting. But yeah, I mean, I love to speak English. Just when I learned speech, what Michael Hingson  26:19 did you major in when you went to college? Mobeen Ansari  26:24 So I majored in painting. I went to National College of Arts, and I did my bachelor's in fine arts, and I did my majors in painting, and I did my minor in printmaking and sculpture. So my background was always rooted in fine arts. Photography was something that ran in parallel until I decided that photography was the ultimate medium that I absolutely love doing that became kind of the voice of my heart or a medium of oppression and tougher and bone today for Michael Hingson  27:11 did they even have a major in photography when you went to college? Mobeen Ansari  27:17 No, photography was something that I learned, you know, as a hobby, because I learned that during school, and I was self taught. One of my uncles is a globally renowned photographer. So he also taught me, you know, the art of lighting. He also taught me on how to interact with people, on how to set up appointments. He taught me so many things. So you could say that being a painter helped me become a better photographer. Being a photographer helped me become a better painter. So both went hand in hand report co existed. Yeah, so photography is something that I don't exactly have a degree in, but something that I learned because I'm more of an art photographer. I'm more of an artist than I am a photographer, Michael Hingson  28:17 okay, but you're using photography as kind of the main vehicle to display or project your art, absolutely. Mobeen Ansari  28:30 So what I try to do is I still try to incorporate painting into my photography, meaning I try to use the kind of lighting that you see in painting all of these subtle colors that Rembrandt of Caravaggio use, so I tried to sort of incorporate that. And anytime I press my photograph, I don't print it on paper, I print it on canvas. There's a paint really element to it, so so that my photo don't come up as a challenge, or just photos bottles or commercial in nature, but that they look like painting. And I think I have probably achieved that to a degree, because a lot of people asked me, Do you know, like, Okay, how much I did painting for and create painting. So I think you know, whatever my objective was, I think I'm probably just, you know, I'm getting there. Probably that's what my aim is. So you have a photography my main objective with the main voice that I use, and it has helped me tell stories of my homeland. It has helped me to tell stories of my life. It has helped me tell stories of people around Michael Hingson  29:49 me, but you're but what you do is as I understand you, you're, you may take pictures. You may capture the images. With a camera, but then you put them on canvas. Mobeen Ansari  30:05 Yeah, I just every time I have an exhibition or a display pictures which are present in my room right now, I always print them on Canvas, because when you print them on Canvas, the colors become more richer, right, Michael Hingson  30:22 more mentally. But what? But what you're doing, but what you're putting on Canvas are the pictures that you've taken with your camera. Mobeen Ansari  30:31 Oh, yeah, yeah, okay. But occasionally, occasionally, I tried to do something like I would print my photos on Canvas, and then I would try to paint on them. It's something that I've been experimenting with, but I'm not directly quite there yet. Conceptually, let's see in the future when these two things make properly. But now photographs? Michael Hingson  31:02 Yeah, it's a big challenge. I i can imagine that it would be a challenge to try to be able to print them on cameras and then canvas, and then do some painting, because it is two different media, but in a sense, but it will be interesting to see if you're able to be successful with that in the future. What would you say? It's easier today, though, to to print your pictures on Canvas, because you're able to do it from digital photographs, as opposed to what you must have needed to do, oh, 20 years ago and so on, where you had film and you had negatives and so on, and printing them like you do today was a whole different thing to do. Mobeen Ansari  31:50 Oh yeah, it's same to think good yesterday, somebody asked me if I do photography on an analog camera, and I have a lot of them, like lots and lots of them, I still have a lot of black and white film, but the problem is, nobody could develop them. I don't have that room. So otherwise I would do that very often. Otherwise I have a few functional cameras that tend to it. I'm consciously just thinking of reviving that. Let's see what happens to it. So I think it's become very difficult. You know also, because Pakistan has a small community of photographers, so the last person who everybody would go to for developing the film or making sure that the analog cameras became functional. He unfortunately passed away a few years ago, so I'm sort of trying to find somebody who can help me do this. It's a very fascinating process, but I haven't done any analog film camera photography for the last 15 years now, definitely a different ball game with, you know, typical cameras, yeah, the pattern, you could just take 36 pictures, and today you can just, you know, take 300 and do all sorts of trial and error. But I tried, you know, I think I'm a bit of a purist when it comes to photography, so I kind of try and make sure that I get the shots at the very first photograph, you know, because that's how my dad trained me on analog cameras, because back then, you couldn't see how the pictures are going to turn out until you printed them. So every time my dad took a picture, he would spend maybe two or three minutes on the setting, and he would really make the person in front of him wait a long time. And then you need to work on shutter speed or the aperture or the ISO, and once you would take that picture is perfect, no need to anything to it, Michael Hingson  34:09 but, but transposing it, but, but transferring it to from an analog picture back then to Canvas must have been a lot more of a challenge than it is today. Mobeen Ansari  34:24 No back then, working canvas printing. Canvas printing was something that I guess I just started discovering from 2014 onwards. So it would like during that this is laid up, Michael Hingson  34:38 but you were still able to do it because you just substituted Canvas for the the typical photographic paper that you normally would use is what I hear you say, Mobeen Ansari  34:50 Oh yeah, Canvas printing was something that I figured out much later on, right? Michael Hingson  34:59 Um. But you were still able to do it with some analog pictures until digital cameras really came into existence. Or did you always use it with a digital camera? Mobeen Ansari  35:11 So I basically, when I started off, I started with the handle camera. And obviously, you know, back in the 90s, if somebody asked you to take a picture, or we have to take a picture of something, you just had the analog camera at hand. Yeah. And my grandparents, my dad, they all had, you know, analog cameras. Some of it, I still have it Michael Hingson  35:36 with me, but were you able to do canvas painting from the analog cameras? No, yeah, that's what I was wondering. Mobeen Ansari  35:43 No, I haven't tried, yeah, but I think must have been possible, but I've only tried Canvas printing in the digital real. Michael Hingson  35:53 Do you are you finding other people do the same thing? Are there? Are there a number of people that do canvas painting? Mobeen Ansari  36:02 I lot of them do. I think it's not very common because it's very expensive to print it on canvas. Yeah, because you know, once you once you test again, but you don't know how it's going to turn out. A lot of images, they turn out very rough. The pictures trade, and if can, with print, expose to the camera, sometimes, sorry, the canvas print exposed to the sun, then there's the risk of a lot of fading that can happen. So there's a lot of risk involved. Obviously, printing is a lot better now. It can withstand exposure to heat and sun, but Canvas printing is not as common as you know, matte paper printing, non reflective, matte paper. Some photographers do. It depends on what kind of images you want to get out? Yeah, what's your budget is, and what kind of field you're hoping to get out of it. My aim is very specific, because I aim to make it very Painterly. That's my objective with the canvas. Michael Hingson  37:17 Yeah, you want them to look like paintings? Mobeen Ansari  37:21 Yeah? Yeah, absolutely, Michael Hingson  37:23 which, which? I understand it's, it is a fascinating thing. I hadn't really heard of the whole idea of canvas painting with photograph or photography before, but it sounds really fascinating to to have that Yeah, and it makes you a unique kind of person when you do that, but if it works, and you're able to make it work, that's really a pretty cool thing to do. So you have you you've done both painting and photography and well, and sculpting as well. What made you really decide, what was the turning point that made you decide to to go to photography is kind of your main way of capturing images. Mobeen Ansari  38:12 So it was with high school, because I was still studying, you know, art as a subject back then, but I was still consistently doing that. And then, like earlier, I mentioned to you that my school gave me an award called pictorial historian. That is what inspired me to follow this girl. That is what set me on this path. That is what made me find this whole purpose of capturing history. You know, Pakistan is home to a lot of rich cultures, rich landscapes, incredible heritage sites. And I think that's when I became fascinated. Because, you know, so many Pakistanis have these incredible stories of resilience entrepreneurship, and they have incredible faces, and, you know, so I guess that what made me want to capture it really. So I think, yeah, it was in high school, and then eventually in college, because, you know, port and school and college, I would be asked to take pictures of events. I'll be asked to take pictures of things around me. Where I went to college, it was surrounded by all kinds of, you know, old temples and churches and old houses and very old streets. So that, really, you know, always kept me inspired. So I get over time. I think it's just always been there in my heart. I decided to really, really go for it during college. Well. Michael Hingson  40:00 But you've, you've done pretty well with it. Needless to say, which is, which is really exciting and which is certainly very rewarding. Have you? Have you done any pictures that have really been famous, that that people regard as exceptionally well done? Mobeen Ansari  40:22 I Yes, obviously, that's it for the audience to decide. But right, I understand, yeah, I mean, but judging from my path exhibitions, and judging from system media, there have been quite a few, including the monitor out of just last week, I went to this abandoned railway station, which was on a British colonial time, abandoned now, but that became a very, very successful photograph. I was pretty surprised to see the feedback. But yes, in my career, they have been about, maybe about 10 to 15 picture that really, really stood out or transcended barriers. Because coming out is about transcending barriers. Art is about transcending barriers, whether it is cultural or political, anything right if a person entered a part of the world views a portrait that I've taken in Pakistan, and define the connection with the subject. My mission is accomplished, because that's what I would love to do through art, to connect the world through art, through art and in the absence of verbal communication. I would like for this to be a visual communication to show where I'm coming from, or the very interesting people that I beat. And that is that sort of what I do. So I guess you know, there have been some portraits. I've taken some landscapes or some heritage sites, and including the subjects that I have photography of my book that acting have probably stood out in mind of people. Michael Hingson  42:14 So you have published three books so far, right? Yes, but tell me about your books, if you would. Mobeen Ansari  42:24 So my first book is called Harkin. I will just hold it up for the camera. It is my first book, and what is it called? It is called turken, and the book is about iconic people of Pakistan who have impacted this history, be it philanthropist, be it sports people, be it people in music or in performing arts, or be it Even people who are sanitation workers or electricians to it's about people who who have impacted the country, whether they are famous or not, but who I consider to be icons. Some of them are really, really, really famous, very well known people around the world, you know, obviously based in Pakistan. So my book is about chronicling them. It's about documenting them. It's about celebrating them. My second book without, okay, most Michael Hingson  43:29 people are going to listen to the podcast anyway, but go ahead. Yeah. Mobeen Ansari  43:35 So basically it's writing the flag is about the religious minorities of Pakistan, because, you know, Pakistan is largely a Muslim country. But when people around the world, they look at Pakistan, they don't realize that it's a multicultural society. There's so many religions. Pakistan is home to a lot of ancient civilizations, a lot of religions that are there. And so this book document life and festivities of religious minorities of Pakistan. You know, like I in my childhood, have actually attended Easter mass, Christmas and all of these festivities, because my father's best friend was a Christian. So we had that exposure to, you know, different faiths, how people practice them. So I wanted to document that. That's my second book. Michael Hingson  44:39 It's wonderful that you had, it's wonderful that you had parents that were willing to not only experience but share experiences with you about different cultures, different people, so that it gave you a broader view of society, which is really cool. Mobeen Ansari  44:58 Yeah. Absolutely, absolutely. So your third book? So my third book is a sequel to my first one, same topic, people who have impacted the country. And you know, with the Pakistan has a huge, huge population, it had no shortage of heroes and heroines and people who have created history in the country. So my first book has 98 people, obviously, which is not enough to feature everybody. So my second book, it features 115 people. So it features people who are not in the first book. Michael Hingson  45:41 Your third book? Yeah, okay, yeah. Well, there's, you know, I appreciate that there's a very rich culture, and I'm really glad that you're, you're making Chronicles or or records of all of that. Is there a fourth book coming? Have you started working on a fourth book yet? Mobeen Ansari  46:05 You know in fact, yes, there is. Whenever people hear about my book, they assume that there's going to be landscape or portraits or street photography or something that is more anthropological in nature. That's the photography I truly enjoy doing. These are the photographs that are displayed in my studio right now. So, but I would never really study for it, because Pakistan had, you know, we have poor provinces. And when I started these books, I hadn't really documented everything. You know, I come from the urban city, and, you know, I just, just only take taking pictures in main cities at that time. But now I have taken pictures everywhere. I've been literally to every nook and cranny in the country. So now I have a better understanding, a better visual representation. So a fourth book, it may be down the line, maybe five years, 10 years, I don't know yet. Michael Hingson  47:13 Well, one thing that I know you're interested in, that you've, you've at least thought about, is the whole idea behind climate change and the environment. And I know you've done some work to travel and document climate change and the environment and so on. Tell us, tell us more about that and where that might be going. Mobeen Ansari  47:36 So on tape, note, Michael, you know there's a lot of flooding going on in Pakistan. You know, in just one day, almost 314 people died, but many others you had missing. You had some of the worst flooding test time round. And to be reeling from that, and we had some major flooding some teachers back in. Well, climate change is no longer a wake up call. We had to take action years ago, if not, you know, yesterday and till right now, we are seeing effects of it. And you know, Pakistan has a lot of high mountain peaks. It has, it is home to the second highest mountain in the world, Ketu, and it has a lot of glaciers. You know, people talk about melting polar ice caps. People talk about effects of climate change around the world, but I think it had to be seen everywhere. So in Pakistan, especially, climate change is really, really rearing space. So I have traveled to the north to capture melting glacier, to capture stories of how it affects different communities, the water supply and the agriculture. So that is what I'm trying to do. And if I take pictures of a desert down south where a sand dune is spreading over agricultural land that it wasn't doing up until seven months ago. So you know climate change is it's everywhere. Right now, we are experiencing rains every day. It's been the longest monsoon. So it has also affected the way of life. It has also affected ancient heritage sites. Some of these heritage sites, which are over 3000 years old, and they have bestowed, you know, so much, but they are not able to withstand what we are facing right now. Um, and unfortunately, you know, with unregulated construction, with carbon emissions here and around the world, where deforestation, I felt that there was a strong need to document these places, to bring awareness of what is happening to bring awareness to what we would lose if we don't look after mother nature, that the work I have been doing on climate change, as well as topics of global health and migration, so those two topics are also very close To My Heart. Michael Hingson  50:40 Have you done any traveling outside Pakistan? Mobeen Ansari  50:45 Oh, yeah. I mean, I've been traveling abroad since I was very little. I have exhibited in Italy, in the United States. I was just in the US debris. My brother lives in Dallas, so, yeah, I keep traveling because, because my workshop, because of my book events, or my exhibition, usually here and around the world. Michael Hingson  51:14 Have you done any photography work here in the United States? Mobeen Ansari  51:19 Yeah, I have, I mean, in the US, I just don't directly do photography, but I do workshop, because whatever tool that I captured from Pakistan, I do it there. Okay, funny thing is, a funny thing is that, you know, when you take so many pictures in Pakistan, you become so used to rustic beauty and a very specific kind of beauty that you have a hard time capturing what's outside. But I've always, always just enjoyed taking pictures in in Mexico and Netherlands, in Italy, in India, because they that rustic beauty. But for the first time, you know, I actually spent some time on photography. This year, I went to Chicago, and I was able to take pictures of Chicago landscape, Chicago cityscape, completely. You know, Snowden, that was a pretty cool kind of palette to work with. Got to take some night pictures with everything Snowden, traveling Chicago, downtown. So yeah, sometimes I do photography in the US, but I'm mostly there to do workshops or exhibitions or meet my brothers. Michael Hingson  52:34 What is your your work process? In other words, how do you decide what ideas for you are worthwhile pursuing and and recording and chronicling. Mobeen Ansari  52:46 So I think it depends on where their story, where there is a lot of uniqueness, that is what stands out to me, and obviously beauty there. But they have to be there. They have to be some uniqueness, you know, like, if you look at one of the pictures behind me, this is a person who used to run a library that had been there since 1933 his father, he had this really, really cool library. And you know, to that guy would always maintain it, that library would have, you know, three old books, you know, a philosophy of religion, of theology, and there was even a handwritten, 600 years old copy of the Quran with his religious book for Muslims. So, you know, I found these stories very interesting. So I found it interesting because he was so passionate about literature, and his library was pretty cool. So that's something that you don't get to see. So I love seeing where there is a soul, where there is a connection. I love taking pictures of indigenous communities, and obviously, you know, landscapes as well. Okay? Also, you know, when it comes to climate change, when it comes to migration, when it comes to global health, that's what I take picture to raise awareness. Michael Hingson  54:33 Yeah, and your job is to raise awareness. Mobeen Ansari  54:41 So that's what I try to do, if I'm well informed about it, or if I feel that is something that needed a light to be shown on it, that's what I do. Took my photograph, and also, you know. Whatever had this appeal, whatever has a beauty, whatever has a story that's in spur of the moment. Sometimes it determined beforehand, like this year, particularly, it particularly helped me understand how to pick my subject. Even though I've been doing this for 22 years, this year, I did not do as much photography as I normally do, and I'm very, very picky about it. Like last week I went to this abandoned railway station. I decided to capture it because it's very fascinating. It's no longer used, but the local residents of that area, they still use it. And if you look at it, it kind of almost looks like it's almost science fiction film. So, you know, I'm a big star. Was that Big Star Trek fan? So, yes, I'm in port the camps. So I also like something that had these elements of fantasy to it. So my work, it can be all over the place, sometimes, Michael Hingson  56:09 well, as a as a speaker, it's, it's clearly very important to you to share your own personal journey and your own experiences. Why is that? Why do you want to share what you do with others? Mobeen Ansari  56:28 So earlier, I mentioned to you that John Tracy center played a major, major role in my life. He helped my mother. They provided all the materials. You know, in late 80s, early 90s, and so I will tell you what happened. So my aunt, my mom's sister, she used to live in the US, and when my hearing loss were diagnosed, my mother jumped right into action. I mean, both my parents did. So my mother, she landed in New York, and to my aunt would live in New Jersey. So every day she would go to New York, and she landed in New York League of hard of hearing. And a lady over there asked my mom, do you want your child to speak, or do you want him to learn? Frank Lacher and my mother, without any hesitation, she said, I want my child to speak and to see what put in touch with John Troy center and rest with history, and they provided with everything that needed. So I am affiliated with the center as an alumni. And whenever I'm with the US, whenever I'm in LA, I visit the center to see how I can support parents of those with hearing loss, and I remember when I went in 2016 2018 I gave a little talk to the parents of those with hair in glass. And I got to two other place as well, where I spent my childhood joint. Every time I went there, I saw the same fears. I saw the same determination in parents of those with hearing loss, as I saw in my parents eyes. And by the end of my talk, they came up to me, and they would tell me, you know, that sharing my experiences helped them. It motivated them. It helped them not be discouraged, because having a child hearing loss is not easy. And you know, like there was this lady from Ecuador, and you know, she spoke in Spanish, and she see other translators, you know, tell me this, so to be able to reach out with those stories, to be able to provide encouragement and any little guidance, or whatever little knowledge I have from my experience, it gave me this purpose. And a lot of people, I think, you know, you feel less lonely in this you feel hurt, you feel seen. And when you share experiences, then you have sort of a blueprint how you want to navigate in one small thing can help the other person. That's fantastic. That's why I share my personal experiences, not just to help those with hearing loss, but with any challenge. Because you know when you. Have a challenge when you have, you know, when a person is differently able, so it's a whole community in itself. You know, we lift each other up, and if one story can help do that, because, you know, like for me, my parents told me, never let your hearing loss be seen as a disability. Never let it be seen as a weakness, but let it be seen as a challenge that makes you stronger and that will aspire to do be it when I get it lost all of my life, be it when I had the latest or many years, or anything. So I want to be able to become stronger from to share my experiences with it. And that is why I feel it's important to share the story. Michael Hingson  1:00:56 And I think that's absolutely appropriate, and that's absolutely right. Do you have a family of your own? Are you married? Do you have any children or anything? Not yet. Not yet. You're still working on that, huh? Mobeen Ansari  1:01:10 Well, so to say, Yeah, I've just been married to my work for way too long. Michael Hingson  1:01:16 Oh, there you are. There's nothing wrong with that. You've got something that you Mobeen Ansari  1:01:22 kind of get batting after a while, yeah. Michael Hingson  1:01:26 Well, if the time, if the right person comes along, then it, then that will happen. But meanwhile, you're, you're doing a lot of good work, and I really appreciate it. And I hope everyone who listens and watches this podcast appreciates it as well. If people want to reach out to you, how do they do that? Mobeen Ansari  1:01:45 They can send me an email, which is out there for everybody on my website. I'm on all my social media as well. My email is being.ansarima.com Michael Hingson  1:01:57 so can you spell that? Can you Yeah, M, o b e n, dot a do it once more, M O B, E N, Mobeen Ansari  1:02:07 M O B, double, e n, dot, a n, S, A R, i@gmail.com Michael Hingson  1:02:17 at gmail.com, okay, and your website is.com Mobeen Ansari  1:02:26 same as my name. Michael Hingson  1:02:27 So, okay, so it's mo bean.ansari@our.www.mo Michael Hingson  1:02:35 bean dot Ansari, or just mo Bean on, sorry, Mobeen Ansari  1:02:41 just moving on, sorry. We com, no.no. Michael Hingson  1:02:44 Dot between mobien and Ansari, okay, so it's www, dot mobile being on sorry, yeah, so it's www, dot, M, O, B, E, N, A, N, S, A, R, i.com Yes. Well, great. I have absolutely enjoyed you being with us today. I really appreciate your time and your insights, and I value a lot what you do. I think you represent so many things so well. So thank you for being here with us, and I want to thank all of you who are out there listening and watching the podcast today, I'd love to hear your thoughts. Please email me at Michael H, i@accessibe.com that's m, I, C, H, A, E, L, H, I at accessibe, A, C, C, E, S, S, i, b, e.com, and we appreciate it if you would give us a five star rating wherever you are observing the podcast. Please do that. We value that a great deal. And if you know anyone else who ought to be a guest, please let me know. We're always looking for people and mobeen you as well. If you know anyone else who you think ought to be a guest on the podcast, I would appreciate it if you would introduce us. But for now, I just want to thank you one more time for being here. This has been absolutely wonderful. Thank you for being on the podcast with us today. Mobeen Ansari  1:04:08 Thank you so much. It's been wonderful, and thank you for giving me the platform to share my stories. And I hope that it helps whoever watching this. Up to date. Michael Hingson  1:04:26 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

The Day the “Emergency Fund” Met Real Life Rachel here. Many tell us the same story: “I saved the emergency fund, but I'm worried I'm losing ground to inflation and missed opportunities.” https://www.youtube.com/live/T7O8abZDKw8 Because for most people, the “emergency fund” is a lonely pile of cash—stuck in a corner doing next to nothing. It feels safe, until inflation and opportunity cost quietly erode it. Today Bruce and I want to reframe that pile into something far better: emergency fund alternatives that give you liquidity and momentum. What You'll Get From This Guide If you've ever wondered how to stay liquid for the unknown without parking money in low-yield accounts, this is for you. We'll show you how to: Design liquidity that protects your family and keeps compounding intact Think “emergency and opportunity,” not either/or Decide how much liquidity you actually need Compare storage options (banks, brokerage, HELOCs, and emergency fund alternatives like cash value life insurance) Understand policy loans, interest, IRR, and why control and flexibility often beat chasing the “best rate” By the end, you'll have a practical blueprint to keep cash ready for life's surprises—without stalling your long-term growth. The Day the “Emergency Fund” Met Real LifeWhat You'll Get From This Guide1) Why Most People Misunderstand “Emergency Funds”Emergency Fund Alternatives vs. Cash-in-the-Bank2) How Much Liquidity Do You Actually Need?Emergency Fund Alternatives for Real Estate Investors3) Liquidity from Cash-Flowing Assets4) Where to Store Liquidity: A Practical Comparison5) Cash Value as an Emergency–Opportunity FundEmergency Fund Alternatives Using Whole Life Insurance6) “But What About Loan Rates vs. Policy IRR?”7) Real Estate, HELOCs, and Policy Loans—How They Compare8) Early-Year Liquidity & Design Reality9) The Two Big Mindset ShiftsEmergency Fund Alternatives That Keep You in Control10) Implementation Steps You Can Start This WeekWhy This MattersListen In and Go DeeperFAQWhat's the best place to keep an emergency fund?Are whole life policies good emergency fund alternatives?How much liquidity should real estate investors keep?Do whole life policy loans hurt compounding?Policy loan rate vs. policy IRR—what matters most?HELOC or whole life policy loan for emergencies?Book A Strategy Call 1) Why Most People Misunderstand “Emergency Funds” Most picture a rainy-day stash: a fixed dollar amount “just in case.” The problem? That mindset narrows your field of vision to only bad events. You end up over-saving in idle cash, under-preparing for real opportunities, and missing compound growth. The better frame is liquidity for emergencies and opportunities—capital that can pivot quickly, without losing momentum. Emergency Fund Alternatives vs. Cash-in-the-Bank Savings accounts provide easy access but pay little, expose you to inflation, and interrupt compounding when you withdraw. Emergency fund alternatives aim to keep liquidity and let your money continue working. 2) How Much Liquidity Do You Actually Need? Rules of thumb (3–6 months) don't account for your real situation: expenses, income volatility, business ownership, real estate cycles, and your emotional comfort. Bruce and I coach clients to answer three questions: Cash flow cushion: If your income paused, how long until you're back on track? Asset mix & access: Where is your capital now, and how liquid is it (including taxes/penalties)? Personal margin: What amount helps you sleep at night without freezing progress? The right number blends math and emotion. Peace of mind matters because you'll only stick with a plan you believe in. Emergency Fund Alternatives for Real Estate Investors Great operators earmark a percent of rents for vacancies, repairs, and cap-ex—plus a broader, flexible reserve. Emergency fund alternatives make that reserve productive while keeping it accessible. 3) Liquidity from Cash-Flowing Assets One overlooked “emergency fund” is consistent cash flow. If assets deposit $5K–$20K/mo. into your checking account regardless of your job, you may need less static cash. Let the monthly stream cover life's bumps—while your capital base keeps compounding. Cash flow accumulates → periodically deploy to premium (more on that next) Short-term bank buffer exists, but money doesn't linger there You stay positioned for both emergencies and deals 4) Where to Store Liquidity: A Practical Comparison VehicleLiquidityGrowth/DragTaxes on AccessProsConsBank savings/HYSAInstantLow; inflation dragNo capital gains on principalSimplicity, FDICOpportunity cost; interrupts compoundingBrokerage (cash/short-term)High–moderateVariesPossible gains taxesOptional yieldMarket risk; sale can trigger taxesHELOCOn-demand (if open)House appreciates regardlessLoan (not income)Flexible; common for investorsBank approval; can be frozenCash Value Whole Life3–5 days via policy loansUninterrupted compoundingLoan (not income)Control, guarantees, death benefitMust qualify; early-year liquidity is lower Bottom line: Banks are fine for swipe-ready cash. But for meaningful reserves, emergency fund alternatives that preserve compounding and add optionality often fit better. 5) Cash Value as an Emergency–Opportunity Fund This is where Infinite Banking principles shine. Premium dollars build cash value (guaranteed growth + potential dividends) and a rising death benefit. When you need liquidity, you borrow against cash value. Your cash value keeps compounding uninterrupted while the insurer's general fund provides the loan. Result: Capital keeps working; you gain flexibility Mindset: Be both the producer and the banker in your life Governance: Treat loans like a bank would—repay with intention to restore capacity Emergency Fund Alternatives Using Whole Life Insurance Liquidity in days (not months) Access via loan documents—not a bank underwriter If you pass away with a loan outstanding, it's simply deducted from the death benefit; your heirs still receive the net 6) “But What About Loan Rates vs. Policy IRR?” Bruce said it well: I care less about a single rate and more about the system—control, flexibility, and volume of interest over time. IRR reflects long-term, policywide performance. Loan rate is what you pay while capital continues compounding inside the policy. Volume matters: The faster you repay, the less interest volume you pay—at the same rate. Meanwhile, rising death benefits and dividends work in your favor. Chasing the perfect spread can stop you from using a system designed to keep your compounding intact and your options open. 7) Real Estate, HELOCs, and Policy Loans—How They Compare A helpful analogy: a policy loan works like a HELOC on your house—the property can keep appreciating whether a lien exists or not. With cash value, your “property” is the policy: growth continues by contract, and you place a lien to access cash. Differences: Access: Policy loans are paperwork-simple; HELOCs require bank re-approval and can be frozen. Speed: Policies often fund in 3–5 business days; HELOC timing varies. Control: With a policy, you set repayment terms; with banks, they do. For investors, combining a small bank buffer, a HELOC, and cash value creates layers of redundancy—plus uninterrupted compounding. 8) Early-Year Liquidity & Design Reality Honest trade-off: in the first year(s), you won't have access to 100% of premium dollars. That early drag buys you guarantees, long-term compounding, and a growing death benefit. Design matters (base + paid-up additions) and expectations matter. Ask: Do I really need every dollar back in 30 days? Most don't. By years 3–4, well-designed policies are commonly close to dollar-for-dollar access on new premium—and rising. 9) The Two Big Mindset Shifts From Emergency to Emergency–OpportunityStop saving only for the worst. Start storing capital that can respond to anything—repairs, vacancies, investments, giving, tuition, tithing, trips. From Saver to BankerDon't just hold capital; govern it. Design rules. Repay loans. Value your capital at least as much as a bank would. This shifts you from scarcity to stewardship. Emergency Fund Alternatives That Keep You in Control The aim isn't a magic product; it's a governed system that preserves compounding, widens options, and serves your family for decades. 10) Implementation Steps You Can Start This Week Clarify your true liquidity need. Calculate 90–180 days of net cash flow needs, not just expenses. Segment reserves: Keep a thin swipe-ready bank buffer; move the rest to emergency fund alternatives (e.g., cash value). Document loan rules: When you borrow, how will you repay? From what cash flow? On what rhythm? Automate funding: Set recurring transfers to build capital consistently. Review quarterly: Check buffer size, upcoming premiums/PUAs, deal pipeline, and family needs. Think generationally: Policies on multiple family members expand access, diversify insurability, and strengthen your long-term plan. Why This Matters Your “emergency fund” shouldn't be a deadweight expense. With emergency fund alternatives, you can keep liquidity, protect your family, and maintain uninterrupted compounding. Cash-flowing assets provide monthly cushion. Cash value provides controlled access, contractual growth, and a rising death benefit. Together, they create a resilient system that handles storms and seizes sunshine. Listen In and Go Deeper Want the full conversation—including examples, loan mechanics, and our candid takes on rates, IRR, and real-world trade-offs? Listen to the podcast episode on Emergency Fund Alternatives to hear how we actually apply this with clients and in our own families.

In this episode, Charu Navatia, Associate Vice President of Automation at Infinx, walks through the Document Capture AI Agent platform and how it classifies, extracts, and routes high-volume fax and digital documents like orders, authorizations, and insurance cards. She explains the human-in-the-loop safety net, LLM-based accuracy tuning, and integration patterns that turn messy inbound documents into clean, system-ready data for downstream revenue cycle workflows.

Amy and Lisa take a closer look at how USPAP is structured.

zevachim091_Pasik_Reishei.pdf - Document for Daf 91 by Simon Wolf

The Grand Remonstrance and Popular Politics: Colleague Jonathan Healey explains the "Grand Remonstrance," a document used by the Junto to rally public support against the King, highlighting how rising literacy and the printing press fueled popular politics in London, while also discussing Queen Henrietta Maria's political acumen and Catholic faith amidst the growing conflict. 1650

BONUS: Swimming in Tech Debt — Practical Techniques to Keep Your Team from Drowning in Its Codebase In this fascinating conversation, veteran software engineer and author Lou Franco shares hard-won lessons from decades at startups, Trello, and Atlassian. We explore his book "Swimming in Tech Debt," diving deep into the 8 Questions framework for evaluating tech debt decisions, personal practices that compound over time, team-level strategies for systematic improvement, and leadership approaches that balance velocity with sustainability. Lou reveals why tech debt is often the result of success, how to navigate the spectrum between ignoring debt and rewriting too much, and practical techniques individuals, teams, and leaders can use starting today. The Exit Interview That Changed Everything "We didn't go slower by paying tech debt. We went actually faster, because we were constantly in that code, and now we didn't have to run into problems." — Lou Franco   Lou's understanding of tech debt crystallized during an exit interview at Atalasoft, a small startup where he'd spent years. An engineer leaving the company confronted him: "You guys don't care about tech debt." Lou had been focused on shipping features, believing that paying tech debt would slow them down. But this engineer told a different story — when they finally fixed their terrible build and installation system, they actually sped up. They were constantly touching that code, and removing the friction made everything easier. This moment revealed a fundamental truth: tech debt isn't just about code quality or engineering pride. It's about velocity, momentum, and the ability to move fast sustainably. Lou carried this lesson through his career at Trello (where he learned the dangers of rewriting too much) and Atlassian (where he saw enterprise-scale tech debt management). These experiences became the foundation for "Swimming in Tech Debt." Tech Debt Is the Result of Success "Tech debt is often the result of success. Unsuccessful projects don't have tech debt." — Lou Franco   This reframes the entire conversation about tech debt. Failed products don't accumulate debt — they disappear before it matters. Tech debt emerges when your code survives long enough to outlive its original assumptions, when your user base grows beyond initial expectations, when your team scales faster than your architecture anticipated. At Atalasoft, they built for 10 users and got 100. At Trello, mobile usage exploded beyond their web-first assumptions. Success creates tech debt by changing the context in which code operates. This means tech debt conversations should happen at different intensities depending on where you are in the product lifecycle. Early startups pursuing product-market fit should minimize tech debt investments — move fast, learn, potentially throw away the code. Growth-stage companies need balanced approaches. Mature products benefit significantly from tech debt investments because operational efficiency compounds over years. Understanding this lifecycle perspective helps teams make appropriate decisions rather than applying one-size-fits-all rules. The 8 Questions Framework for Tech Debt Decisions "Those 8 questions guide you to what you should do. If it's risky, has regressions, and you don't even know if it's gonna work, this is when you're gonna do a project spike." — Lou Franco   Lou introduces a systematic framework for evaluating whether to pay tech debt, inspired by Bob Moesta's push-pull forces from product management. The 8 questions create a complete picture:   Visibility — Will people outside the team understand what we're doing? Alignment — Does this match our engineering values and target architecture? Resistance — How hard is this code to work with right now? Volatility — How often do we touch this code? Regression Risk — What's the chance we'll introduce new problems? Project Size — How big is this to fix? Estimate Risk — How uncertain are we about the effort required? Outcome Uncertainty — How confident are we the fix will actually improve things?   High volatility and high resistance with low regression risk? Pay the debt now. High regression risk with no tests? Write tests first, then reassess. Uncertain outcomes on a big project? Do a spike or proof of concept. The framework prevents both extremes — ignoring costly debt and undertaking risky rewrites without proper preparation. Personal Practices That Compound Daily "When I sit down at my desk, the first thing I do is I pay a little tech debt. I'm looking at code, I'm about to change it, do I even understand it? Am I having some kind of resistance to it? Put in a little helpful comment, maybe a little refactoring." — Lou Franco   Lou shares personal habits that create compounding improvements over time. Start each coding session by paying a small amount of tech debt in the area you're about to work — add a clarifying comment, extract a confusing variable, improve a function name. This warms you up, reduces friction for your actual work, and leaves the code slightly better than you found it. The clean-as-you-go philosophy means tech debt never accumulates faster than you can manage it. But Lou's most powerful practice comes at the end of each session: mutation testing by hand. Before finishing for the day, deliberately break something — change a plus to minus, a less-than to less-than-or-equal. See if tests catch it. Often they don't, revealing gaps in test coverage. The key insight: don't fix it immediately. Leave that failing test as the bridge to tomorrow's coding session. It connects today's momentum to tomorrow's work, ensuring you always start with context and purpose rather than cold-starting each day. Mutation Testing: Breaking Things on Purpose "Before I'm done working on a coding session, I break something on purpose. I'll change a plus to a minus, a less than to a less than equals, and see if tests break. A lot of times tests don't break. Now you've found a problem in your test." — Lou Franco   Manual mutation testing — deliberately breaking code to verify tests catch the break — reveals a critical gap in most test suites. You can have 100% code coverage and still have untested behavior. A line of code that's executed during tests isn't necessarily tested — the test might not actually verify what that line does. By changing operators, flipping booleans, or altering constants, you discover whether your tests protect against actual logic errors or just exercise code paths. Lou recommends doing this manually as part of your daily practice, but automated tools exist for systematic discovery: Stryker (for JavaScript, C#, Scala) and MutMut (for Python) can mutate your entire codebase and report which mutations survive uncaught. This isn't just about test quality — it's about understanding what your code actually does and building confidence that changes won't introduce subtle bugs. Team-Level Practices: Budgets, Backlogs, and Target Architecture "Create a target architecture document — where would we be if we started over today? Every PR is an opportunity to move slightly toward that target." — Lou Franco   At the team level, Lou advocates for three interconnected practices. First, create a target architecture document that describes where you'd be if starting fresh today — not a detailed design, but architectural patterns, technology choices, and structural principles that represent current best practices. This isn't a rewrite plan; it's a North Star. Every pull request becomes an opportunity to move incrementally toward that target when touching relevant code. Second, establish a budget split between PM-led feature work and engineering-led tech debt work — perhaps 80/20 or whatever ratio fits your product lifecycle stage. This creates predictable capacity for tech debt without requiring constant negotiation. Third, hold quarterly tech debt backlog meetings separate from sprint planning. Treat this backlog like PMs treat product discovery — explore options, estimate impacts, prioritize based on the 8 Questions framework. Some items fit in sprints; others require dedicated engineers for a quarter or two. This systematic approach prevents tech debt from being perpetually deprioritized while avoiding the opposite extreme of engineers disappearing into six-month "improvement" projects with no visible progress. The Atlassian Five-Alarm Fire "The Atlassian CTO's 'five-alarm fire' — stopping all feature development to focus on reliability. I reduced sync errors by 75% during that initiative." — Lou Franco   Lou shares a powerful example of leadership-driven tech debt management at scale. The Atlassian CTO called a "five-alarm fire" — halting all feature development across the company to focus exclusively on reliability and tech debt. This wasn't panic; it was strategic recognition that accumulated debt threatened the business. Lou worked on reducing sync errors, achieving a 75% reduction during this focused period. The initiative demonstrated several leadership principles: willingness to make hard calls that stop revenue-generating feature work, clear communication of why reliability matters strategically, trust that teams will use the time wisely, and commitment to see it through despite pressure to resume features. This level of intervention is rare and shouldn't be frequent, but it shows what's possible when leadership truly prioritizes tech debt. More commonly, leaders should express product lifecycle constraints (startup urgency vs. mature product stability), give teams autonomy to find appropriate projects within those constraints, and require accountability through visible metrics and dashboards that show progress. The Rewrite Trap: Why Big Rewrites Usually Fail "A system that took 10 years to write has implicit knowledge that can't be replicated in 6 months. I'm mostly gonna advocate for piecemeal migrations along the way, reducing the size of the problem over time." — Lou Franco   Lou lived through Trello's iOS navigation rewrite — a classic example of throwing away working code to start fresh, only to discover all the edge cases, implicit behaviors, and user expectations baked into the "old" system. A codebase that evolved over several years contains implicit knowledge — user workflows, edge case handling, performance optimizations, and subtle behaviors that users rely on even if they never explicitly requested them. Attempting to rewrite this in six months inevitably misses critical details. Lou strongly advocates for piecemeal migrations instead. The Trello "Decaffeinate Project" exemplifies this approach — migrating from CoffeeScript to TypeScript incrementally, with public dashboards showing the percentage remaining, interoperable technologies allowing gradual transition, and the ability to pause or reverse if needed. Keep both systems running in parallel during migrations. Use runtime observability to verify new code behaves identically to old code. Reduce the problem size steadily over months rather than attempting big-bang replacements. The only exception: sometimes keeping parallel systems requires scaffolding that creates its own complexity, so evaluate whether piecemeal migration is actually simpler or if you're better off living with the current system. Making Tech Debt Visible Through Dashboards "Put up a dashboard, showing it happen. Make invisible internal improvements visible through metrics engineering leadership understands." — Lou Franco   One of tech debt's biggest challenges is invisibility — non-technical stakeholders can't see the improvement from refactoring or test coverage. Lou learned to make tech debt work visible through dashboards and metrics. The Decaffeinate Project tracked percentage of CoffeeScript files remaining, providing a clear progress indicator anyone could understand. When reducing sync errors, Lou created dashboards showing error rates declining over time. These visualizations serve multiple purposes: they demonstrate value to leadership, create accountability for engineering teams, build momentum as progress becomes visible, and help teams celebrate wins that would otherwise go unnoticed. The key is choosing metrics that matter to the business — error rates, page load times, deployment frequency, mean time to recovery — rather than pure code quality metrics like cyclomatic complexity that don't translate outside engineering. Connect tech debt work to customer experience, reliability, or developer productivity in ways leadership can see and value. Onboarding as a Tech Debt Opportunity "Unit testing is a really great way to learn a system. It's like an executable specification that's helping you prove that you understand the system." — Lou Franco   Lou identifies onboarding as an underutilized opportunity for tech debt reduction. When new engineers join, they need to learn the codebase. Rather than just reading code or shadowing, Lou suggests having them write unit tests in areas they're learning. This serves dual purposes: tests are executable specifications that prove understanding of system behavior, and they create safety nets in areas that likely lack coverage (otherwise, why would new engineers be confused by the code?). The new engineer gets hands-on learning, the team gets better test coverage, and everyone wins. This practice also surfaces confusing code — if new engineers struggle to understand what to test, that's a signal the code needs clarifying comments, better naming, or refactoring. Make onboarding a systematic tech debt reduction opportunity rather than passive knowledge transfer. Leadership's Role: Constraints, Autonomy, and Accountability "Leadership needs to express the constraints. Tell the team what you're feeling about tech debt at a high level, and what you think generally is the appropriate amount of time to be spent on it. Then give them autonomy." — Lou Franco   Lou distills leadership's role in tech debt management to three elements. First, express constraints — communicate where you believe the product is in its lifecycle (early startup, rapid growth, mature cash cow) and what that means for tech debt tolerance. Are we pursuing product-market fit where code might be thrown away? Are we scaling a proven product where reliability matters? Are we maintaining a stable system where operational efficiency pays dividends? These constraints help teams make appropriate trade-offs. Second, give autonomy — once constraints are clear, trust teams to identify specific tech debt projects that fit those constraints. Engineers understand the codebase's pain points better than leaders do. Third, require accountability — teams must make their work visible through dashboards, metrics, and regular updates. Autonomy without accountability becomes invisible engineering projects that might not deliver value. Accountability without autonomy becomes micromanagement that wastes engineering judgment. The balance creates space for teams to make smart decisions while keeping leadership informed and confident in the investment. AI and the Future of Tech Debt "I really do AI-assisted software engineering. And by that, I mean I 100% review every single line of that code. I write the tests, and all the code is as I would have written it, it's just a lot faster. Developers are still responsible for it. Read the code." — Lou Franco   Lou has a chapter about AI in his book, addressing the elephant in the room: will AI-generated code create massive tech debt? His answer is nuanced. AI can accelerate development tremendously if used correctly — Lou uses it extensively but reviews every single line, writes all tests himself, and ensures the code matches what he would have written manually. The problem emerges with "vibe coders" — non-developers using AI to generate code they don't understand, creating unmaintainable messes that become someone else's problem. Developers remain responsible for all code, regardless of how it's generated. This means you must read and understand AI-generated code, not blindly accept it. Lou also raises supply chain security concerns — dependencies can contain malicious code, and AI might introduce vulnerabilities developers miss. His recommendation: stay six months behind on dependency updates, let others discover the problems first, and consider separate sandboxed development machines to limit security exposure. AI is a powerful tool, but it doesn't eliminate the need for engineering judgment, testing discipline, or code review practices. The Style Guide Beyond Formatting "Have a style guide that goes beyond formatting to include target architecture. This is the kind of code we want to write going forward." — Lou Franco   Lou advocates for style guides that extend beyond tabs-versus-spaces formatting rules to include architectural guidance. Document patterns you want to move toward: how should components be structured, what state management approaches do we prefer, how should we handle errors, what testing patterns should we follow? This creates a shared understanding of the target architecture without requiring a massive design document. When reviewing pull requests, teams can reference the style guide to explain why certain approaches align with where the codebase is headed versus perpetuating old patterns. This makes tech debt conversations less personal and more objective — it's not about criticizing someone's code, it's about aligning with team standards and strategic direction. The style guide becomes a living document that evolves as the team learns and technology changes, capturing collective wisdom about what good code looks like in your specific context. Recommended Resources Some of the resources mentioned in this episode include:  Steve Blank's Four Steps To Epiphany The podcast episode with Bernie Maloney where we discuss the critical difference between "enterprise" and "startup". And Geoffrey Moore's Crossing the Chasm, and Dealing with Darwin.   About Lou Franco   Lou Franco is a veteran software engineer and author of Swimming in Tech Debt. With decades of experience at startups, as well as Trello, and Atlassian, he's seen both sides of debt—as coder and leader. Today, he advises teams on engineering practices, helping them turn messy codebases into momentum.   You can link with Lou Franco on LinkedIn and learn more at LouFranco.com.

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15 octobre 1942, Vichy, Hôtel du Parc. Le maréchal Pétain reçoit un jeune homme de 26 ans, François Mitterrand. Un photographe immortalise ce moment. Cette image restera secrète pendant cinquante-deux ans. Comment ce document explosif est-il resté si longtemps dans l'ombre ? Pourquoi ni Charles de Gaulle, ni Georges Pompidou, ni Valéry Giscard d'Estaing, ni Jacques Chirac n'ont-ils voulu utiliser cette arme politique fatale contre François Mitterrand ? Patrice Duhamel révèle l'incroyable histoire de cette photo qui aurait pu changer le cours de la Ve République. À travers des témoignages inédits et des archives jusqu'ici secrètes, l'auteur nous plonge dans les coulisses du pouvoir. Tous ces hommes d'État disposaient de cette photo dévastatrice. Pourquoi ont-ils préféré le silence à la révélation ? Leur choix en dit long sur le poids du secret et le sens des responsabilités de ces grands dirigeants. De Vichy au palais de l'Élysée, cette enquête historique nous fait revivre ces moments décisifs où le destin politique de la France aurait pu basculer.Patrice Duhamel est notre invité en partenariat avec le Salon du Livre d'Histoire de Versailles, pour les Interviews HistoireHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Da er det endelig fredag igjen, og dermed klart for de to distingverte herrer John Martin Johansen og Yan Friis.Det blir som vanlig et skråblikk på den siste ukens nyheter, litt nytt, litt gammelt, litt musikk og litt tull og tøys da.Ha kaffen klar og sørg for å ha YouTube, X eller Rumble på i bakgrunnen, for der sender vi nemlig direkte fra klokken 9 på morgenen. I ettertid vil sendingen også bli lagt ut på Spotify og PodBean.Da gjenstår det kun å ønske alle hjertelig velkomne til en underholdende time her på Document media.

Documentário Três Atos de Moisés, de Eduardo Boccaletti, conta a história de Moisés Mattos, que começou na música praticando em teclas desenhadas em um banco de madeira. Hoje ele conquista palcos na Europa. Para alcançar o sucesso, o músico enfrentou o racismo, a pobreza e a homofobia. No documentário, após anos morando na Alemanha, Mattos retorna a Juiz de Fora para que seus pais assistam ao seu recital ao vivo, pela primeira vez. O filme está em cartaz nos cinemas.Reportagem: Guilherme FelicianoEdição: Gabriel Savelli

Pool Pros text questions hereThis week, Steve flies solo again — but with good news: Wayne is on the mend and expected back very soon. Until then, Steve brings a full toolbox of stories, lessons, and a deep dive into one of the most-requested topics from pool pros: leak detection as a service.

O documentário mostra como o Brasil pode dobrar a produção de alimentos sem desmatamento e reforça o protagonismo da pecuária sustentável na agenda climática da COP30.

"I just want to focus on what I love doing, what lights me up, what brings me joy."  Buying back your time begins with understanding the true value of your hours. When you separate high-value strategic work from low-value administrative tasks, it becomes clear how much freedom can be reclaimed by eliminating, automating, or delegating what weighs you down. The core principle is simple: focus on the activities that move the needle, and build systems for everything else so time becomes an asset—not a burden.  George Rivera & Michael Santonato explore how real transformation happens when you stop being the hero of your business and start becoming its architect. George shows how documenting tasks, creating SOPs, and hiring smartly allows founders to spend more time in their genius. Michael shares how clearing administrative clutter elevates his ability to educate clients and close high-value opportunities. Together, they show that buying back your time is a mindset long before it becomes a system.  George is an entrepreneur with over $400M in career sales who now teaches founders how to reclaim their hours and reconnect with what matters most. Michael is a financial advisor and thought leader who helps people become financially indestructible. Both bring decades of mastery into a practical conversation for entrepreneurs ready to level up their time, income, and lifestyle.   Expert action steps:  Eliminate  Remove tasks that don't genuinely matter. If a task doesn't move the business forward or support your highest-value work, cut it completely.  Automate  Create systems or use tools that handle repetitive work for you. Anything predictable, rule-based, or formula-driven should run on autopilot instead of consuming your mental bandwidth.  Delegate  Hand off everything that someone else can do at a fraction of your value. Document the process, give clear instructions, and assign ownership so you never have to touch that task again.  Learn more & connect:  You can find more info about Geroge's book Buy Back Time Formula at https://buybacktimeformula.com/.  Learn more about Michael as a financial coach and educator at https://michaelsantonato.com/.  Visit https://www.eCircleAcademy.com and book a success call with Nicky to take your practice to the next level. 

The US plan for peace between Russia and Ukraine; what Putin wants out of a settlement; the wider effects of the war on Europe; Jared Kushner is back; what AI is actually good for (according to a new study); gifts for the IR enthusiast in your life; and Marcus would like a map for ChristmasThe opinions expressed on this podcast are solely our own and do not reflect the policies or positions of William & Mary.Please subscribe to Cheap Talk on Apple Podcasts, Spotify, or your podcast player of choice to be notified when new episodes are posted.Further Reading:Tejal Patwardhan et. al. 2025. “GDPval: Evaluating AI Model Performance on Real-World Economically Valuable Tasks.” OpenAI White Paper. IR books that make perfect holiday gifts:Signing Away the Bomb, by Jeffrey M. Kaplow Face to Face Diplomacy, by Marcus Holmes Inside the Situation Room, edited by Hillary Rodham Clinton and Karen Yarhi-Milo (featuring a chapter by Marcus Holmes)Featured items from the Cheap Talk shop:Cheap Talk Live commemorative t-shirtCeding Human Control mug Cheap Talk holographic sticker setAnd many more great IR gifts at the Cheap Talk shop!Jeff's other gift suggestions for the IR enthusiast:International News/Analysis: The Economist (discounted for teachers & faculty and for students), Foreign Affairs (discounted for students and teachers), War on the RocksScratch-off world mapUN Peacekeeper toy helmet International Spy Museum Store CIA Mug with George H.W. Bush signatureSee all Cheap Talk episodes

From motivational speaker myths to five-figure gigs: Why public speaking isn't about motivation anymore - and the brutal truth about knowledge commodification, listening as power, and the voice registers that command presidential authority. In this explosive episode of Konnected Minds, a transformative conversation dismantles the dangerous delusion keeping African entrepreneurs trapped in motivational speaking fantasies while the real money flows to subject matter experts who solve specific problems. This isn't inspirational talk from conference stages - it's a systematic breakdown of why the public speaking industry pays thousands per presentation to business technicians, innovation consultants, and futurists who deliver structured knowledge, why Tony Robbins can charge 2,200 euros and fill 9,000-seat arenas while generic motivational speakers struggle to fill rooms, and why the person who becomes the leading voice on protecting kids online will make more money than a thousand "you are amazing" speakers combined. Critical revelations include: • Why public speaking pays based on what you're speaking about - not how eloquently you speak • The knowledge asymmetry principle: when nobody knows what to do with new platforms, the person who contextualizes and teaches makes money • How to elevate above industry noise: when everyone's doing podcasts, pivot toward community building and premium content • The Blue Ocean Strategy reality: find spaces where competition is irrelevant instead of fighting in crowded markets • Why results command price - if you built a podcast from scratch to 100K subscribers, people will pay $1,000 for your masterclass • The Lamborghini principle: when your results speak, you don't need advertising - demand finds you • How mentorship is cheaper than experimentation: the money you pay an expert is far less than the money you lose trying to figure it out yourself • The listening revolution: the greatest skill in public speaking that nobody teaches is the skill of listening • Why 46 million people want to be listened to but only 4.6 million want to learn how to listen - people 10x want to be heard more than they want to hear • The four voice registers every speaker must master: whistle register (Mariah Carey), falsetto (chipmunks), head register (decisions), chest register (trust and confidence) • Why politicians with deeper voices get more votes - chest register voice exhausts trust, confidence, and authority • The daily discipline: two hours of practice in front of the mirror, two vocabulary pickups daily, Google alerts for every major topic, 30 articles consumed before bed • Why the education system focuses on reading and writing but graduates hundreds of thousands who can't speak or listen - the four fundamental pillars are read, write, speak, listen • The application crisis: people consume information over and over again but there's no transformation because there's no implementation • The execution velocity effect: when you work with people who execute fast, it ignites something in you - speed becomes contagious The conversation reaches its uncomfortable peak with a truth that destroys generic public speaking dreams: you can be eloquent, great, amazing - but has anyone flown you to 15 countries to speak? Are you a subject matter expert on anything? Does your name come up in conversations when people need knowledge distilled? Those are the things that separate paid professionals from unpaid talkers. The person who teaches parents how to protect kids online and then sells them the software, the Netflix plugins, the 24-hour monitoring systems - that person makes money. The person who says "you are amazing" to a room full of people who already know they're amazing gets polite applause and goes home broke. For the African entrepreneur, content creator, and aspiring public speaker seeking to build a legitimate speaking career that commands five-figure fees instead of begging for conference slots, this conversation offers the unfiltered blueprint: become a subject matter expert on something specific that people desperately need to understand. Master the four voice registers. Practice two hours daily in front of the mirror. Consume 30 articles nightly. Set Google alerts for your domain. Learn to listen - it's the greatest public speaking skill nobody teaches. Document your results. Sell your knowledge. And remember - the money you charge for mentorship is cheaper than the money people lose experimenting alone. That's why people pay $1,000 to learn from someone who built a podcast to 100K subscribers in a country where people complain about data. Results speak. Results command price. The only question is whether you have results worth paying for. Host: Derrick Abaitey IG: https://www.instagram.com/derrick.abaitey YT: https://www.youtube.com/@DerrickAbaitey Join Konnected Academy: https://konnectedacademy.com/

Co-host Tiffany Eslick sits down at Mishkah with author (and clown) Hisham Assaad during his visit for the Sharjah Book Fair  a couple of weeks ago. Hisham shares his journey in food that traces back to his childhood growing up in a refugee camp in Lebanon, how he wants to record and preserve recipes that are fading away, and. how he got started with clowning! Hisham started his food blog,  ⁨cookin5m2⁩ , in 2013 and has since published two books—'Bayrut The Cookbook' in 2021 and 'Taboon' in 2024 celebrating his heritage and amazing recipes from Lebanon, Palestine and Syria. Chapters 0:00 Coming up... 3:53 Clowning 5:58 Cultural Identity through Cuisine 11:29 From Blog to Cookbook 13:39 Documenting Lesser-Known Dishes 16:52 The Impact of Tragedy 19:29 The Journey to Taboon 27:53 Sharjah Book Fair and Dinner at Mishkah

Many people make more money and somehow feel more afraid. Afraid to decide. Afraid to lose. Afraid to look foolish. Afraid to miss out. https://www.youtube.com/live/00ErZ7MiuEM This isn't a fringe problem. It's everywhere.And it's solvable. Bruce and I recorded this episode to hand you a simple tool you can use to reframe fear and build the kind of financial life that runs on clarity, certainty, and stewardship. Overcoming financial fear starts hereWhat Financial Fear Really IsMake Financial Fear Work For YouScarcity vs Abundance With MoneyWhy Typical Financial Planning Fuels AnxietyTraditional Planning Builds CertaintyPut Money Back In Its PlaceHow Media and Culture Feed FearThe Practical System To Overcome Financial FearTypical Planning vs Traditional PlanningTypical PlanningTraditional PlanningOvercoming Financial Fear: From scarcity to abundance – your next stepBuild certainty, not anxiety – listen in and take your next stepBook A Strategy CallFAQ – Overcoming Financial FearWhat causes financial fear?How do I overcome financial fear fast?What is the abundance mindset with money?Is money good or evil?Why does typical retirement planning increase anxiety?How do cash flowing assets reduce financial fear?How does whole life insurance help with financial fear?What is traditional financial planning? Overcoming financial fear starts here If you've ever hesitated before a money decision, second guessed yourself after signing the paperwork, or stayed stuck because the “what ifs” grew louder than your purpose, you've met financial fear. This article will help you: Understand what financial fear really is, and why even high net worth families feel it. Swap a scarcity mindset for an abundance mindset without pretending fear disappears. See why typical planning fuels anxiety and how traditional planning builds certainty. Put money back in its place as a neutral tool and elevate stewardship. Take practical steps today to move from reaction to intentional design. If fear has been in the driver's seat, it's time to move it to the passenger side and make it serve your mission. What Financial Fear Really Is Let's start at the root. Fear is not your enemy.  It's a God-given alarm for imminent danger. As Bruce says, fear can save your life when a car barrels toward you. You don't want to pause and philosophize. You jump. The problem is when that same survival response starts running your money decisions. You either freeze and hoard, or you sprint from shiny object to shiny object because you're afraid to miss out. Different behaviors. Same scarcity. I've watched fear show up in two common ways: Fear of running outThe miser mindset. White knuckles. No generosity. No strategic investment. Just “hold on or else.” Fear of missing outThe constant upgrader. Bigger house, better boat, newer thing. Always chasing, never satisfied. Both are scarcity. Neither is abundance. Abundance isn't reckless. It's not denial. It's a settled conviction that value creation is limitless, and that you can make wise, long range decisions because you are a producer, not just a consumer. Make Financial Fear Work For You The most successful people don't lack fear.They refuse to let fear set the agenda. They put emotions under the leadership of a renewed mind. They use fear as a prompt to prepare, to do the work, to practice courage, and to move anyway. Here's a quick loop Bruce and I use: Name the fear. Say it out loud. Interrogate it. What's the real risk, the real timeline, the real magnitude? Reframe it. What productive action can this fear fuel today? Act. Small, specific steps beat ruminating every time. Review. Talk to yourself like you talk to a friend. Record wins. Build evidence. Courage is a muscle.Train it. Scarcity vs Abundance With Money I like to picture a continuum with scarcity at the bottom and abundance at the top. On both ends of the bell curve, scarcity looks different but feels the same. On one end, scarcity hoards and hides. On the other, scarcity spends to soothe and signal. Abundance sits at the top and does something else entirely. It designs a system where money can be saved, used, enjoyed, replenished, and directed toward a bigger mission. It recognizes that money follows value, and value flows from serving people well. Abundance knows this truth: Money is neutral.It's a magnifier of the soul. Put money in the hands of a wise steward and it multiplies blessing. Put money in the hands of a fool and it multiplies damage. Money did not change the heart. It revealed it. This is why character formation, family culture, and clear guidance are not side notes in finance. They are the engine. Why Typical Financial Planning Fuels Anxiety Typical planning was built to end your productivity.Work until X. Stop. Spend down the pile. Hope you don't outlive it. Because the goal is “stop,” the math has to guess a thousand variables. Guess your lifespan. Guess returns. Guess inflation. Guess taxes. Run a Monte Carlo and call it “certainty.” It's not certainty. It's a string of guesses. When your entire strategy rests on projections you can't control, you feed fear. You start managing to the simulation instead of managing to your mission. You also fragment your financial life into compartments that don't talk to each other. Save a little here, speculate a little there, and pray it nets out. No wonder so many feel anxious. Traditional Planning Builds Certainty Traditional planning doesn't ask, “When can I stop being productive?”It asks, “How do I keep producing, stewarding, and compounding value for generations?” That one shift changes everything. Traditional planning prioritizes: Cash flowing assets over pure appreciationThink businesses and investments that spin off usable cash today and tomorrow. Liquidity and control so you can seize opportunitiesDry powder matters. Optionality reduces fear. Properly designed whole life insurance as a foundational assetGuaranteed cash value, contractual certainty, and a death benefit that refills the family bucket. This is family banking and a reliable backstop that turns risk setbacks into recoverable chapters. Integrated estate design that includes guidanceA will and trust are the shell. A string family culture, Memorandum of Trust, clear roles, and love letters are the substance. Don't just transfer assets. Transfer wisdom and intent. A producer mindsetWe don't retire from purpose. We refine it. We build the family enterprise and train the next generation to steward it. Traditional planning removes guesswork where you can and embraces guarantees where they exist. That is how you replace fear with confidence. Put Money Back In Its Place Many people carry a hidden belief that money is bad. Movies preach it. Social feeds imply it. And if you've absorbed “money is evil,” you will sabotage your own success and feel guilty about every win. I love the picture Bruce learned on the football field. Football didn't build character. It revealed it. Money is the same. It shows what is already true in your heart and in your habits. When money is your god, it runs your life and ruins your relationships. When God is first and people are second and you include yourself in the command to love your neighbor as yourself, money becomes a powerful means to bless, build, and multiply good. Order brings peace. Peace calms fear. How Media and Culture Feed Fear Fear sells. Whether it's the markets, politics, or the latest doom headline, your attention is the product. If you feed fear 24 hours a day, fear will set your financial thermostat. We do something very simple in our family. We curate inputs. We stay informed without bathing in anxiety. Perspective is your most valuable asset. Guard it. The Practical System To Overcome Financial Fear Let's translate this into steps you can take this week. Audit your mindset.Write down three places fear is currently driving your decisions. Name whether it's fear of running out or fear of missing out. Clarify your long-range vision.Lift your eyes. Where do you want your family to be in 25, 50, 200 years? What values do you want embedded in your lineage? Your vision pulls you forward better than fear pushes you around. Strengthen liquidity and cash flow.Increase savings. Build or acquire cash flowing assets. Stop relying solely on appreciation and projections. Add guarantees where they belong.Evaluate properly structured whole life insurance as part of your base. Use it to store capital, access liquidity, and provide a guaranteed death benefit that refills the bucket and de-risks the plan. Integrate your estate design with guidance.Build or update your will and trust. Write your Memorandum of Trust. Clarify roles. Draft love letters to your heirs. Do not leave interpretation to chance. Build producer habits.Study. Create. Serve. Keep solving real problems. Producers attract opportunities. Opportunities expand options. Options reduce fear. Practice the self-talk you'd give a friend.Review wins. Document what worked. Speak to yourself with the same encouragement you offer others. This widens your capacity to choose faith over fear. Typical Planning vs Traditional Planning Use this quick contrast to evaluate your current path. Typical Planning End date focus Spend down a pile Reliant on projections Fragmented accounts Rate of return obsession High anxiety, low control Traditional Planning Ongoing production Cash flow focus Guarantees where possible Integrated system Value creation obsession High certainty, higher control Choose your operating system. Choose your outcomes. Overcoming Financial Fear: From scarcity to abundance – your next step

Every trial tells a story — but what happens when the storyteller becomes the judge? The honorable Judge Richard Franklin Boulware II speaks with Anora Wang and Jeny Maier on his remarkable journey from public defender to federal judge, lessons on persuasion, fairness, and the fine art of trial craft, and what it really means to keep score in the pursuit of justice. Along the way, we'll talk about competition on the field and in the courtroom, the evolving role of lawyers in upholding trust in the judiciary, and how the legal profession can help protect the judiciary from rising threats. With special guest: Judge Richard Franklin Boulware II, United States District Court for the District of Nevada Related Links: Le et al v. Zuffa, LLC, No. 2:2015cv01045 - Document 839 (D. Nev. 2023) Hosted by: Anora Wang, Arnold & Porter and Jeny Maier, Axinn, Veltrop & Harkrider

The house looks perfect from the street—until you step inside and feel the air shift. We sit with survivor, campaigner and author David Challen to trace the shape of coercive control through a child's eyes: a mother's world shrinking, a father's rules governing every room, and a son trying to earn love by molding himself to a script that never fit. This is not a tidy true-crime arc. It's the long echo of control on identity, mental health, and the stories boys are told about how to be men.David unpacks how “small” acts—who can visit, when dinner is served, how money is spent—stack into a total system of power. He names what many miss: economic abuse as a lever, isolation as a tactic, gaslighting as the daily weather. We talk about the man box and the costs of belonging, from silence to self-erasure. We tackle the hard part too: accountability that goes beyond time served. Real repair means naming strategy and impact, especially on children who lived the consequences, and measuring change by consistent, relational behavior over time.For practitioners, we get specific. Speak to children separately. Document patterns, not just incidents. See acting out, addiction, or stoicism as possible signals of exposure to domestic abuse. For schools, use relationship education to decode media, practice empathy, and give boys language without shame. For survivors—especially adult child survivors—claiming identity and community can turn a private burden into shared understanding and support.Search terms like coercive control, boys' mental health, domestic abuse, economic abuse, restorative justice, and healthy masculinity thread through this conversation for a reason: they're the keys to earlier recognition and real change. If this resonates, share it with someone who needs language for what they've lived. Subscribe, leave a review, and tell us: what does real accountability look like to you?Find David's book here: https://www.goodreads.com/book/show/93021229-the-unthinkableSend us a text Now available! Mapping the Perpetrator's Pattern: A Practitioner's Tool for Improving Assessment, Intervention, and Outcomes The web-based Perpetrator Pattern Mapping Tool is a virtual practice tool for improving assessment, intervention, and outcomes through a perpetrator pattern-based approach. The tool allows practitioners to apply the Model's critical concepts and principles to their current case load in realCheck out David Mandel's new book Stop Blaming Mothers and Ignoring Fathers: How to Transform the Way We Keep Children Safe from Domestic Violence. Visit the Safe & Together Institute website.Start taking Safe & Together Institute courses. Check out Safe & Together Institute upcoming events.

Episode Summary In this episode, AMSE CEO and Founder Moni sits down with Megan Harless, founder of PCS Like A Pro, to discuss everything military spouse business owners need to know about moving their businesses during a PCS. From maximizing reimbursements to managing the stress of relocation, Megan shares insider knowledge on regulations, documentation, and strategies that can save military families thousands of dollars. This conversation covers the often-overlooked financial benefits available to spouses, common costly mistakes, and practical tools for making your next PCS smoother for both your family and your business. Key Takeaways Money & Reimbursements: Military spouses can get reimbursed for licenses, certifications, equipment moving, permits, registrations, and technology upgrades Each service branch offers up to $1,000 for business costs and $1,000 for licensing (up to $2,000 total) These reimbursements are IN ADDITION to regular PCS moving expenses You must have established your business at your current or previous duty station to qualify Documentation Essentials: Keep all receipts and invoices (set up email filters to auto-sort into folders) Required documents: service-specific verification form, PCS orders, current/previous licenses, new state licenses, fee payment receipts, and marriage certificate Use apps like Stride or Google Drive to organize and store documentation Document everything as you go—don't wait until tax season Tax Implications: You CANNOT double-dip—if the military reimburses an expense, you cannot claim it on your taxes Consider Schedule C for self-employed individuals for non-reimbursed expenses Contact a tax professional as soon as you know you're moving Keep business and personal expenses separate and well-documented Timeline Strategy: Before the Move: Research requirements for establishing business in your new state Print and prepare reimbursement forms Get quotes for moving specialty equipment Notify clients as soon as possible about your moving timeline During the Move: Communicate with clients about service interruptions Share your journey on business social media (humanizes your brand) Set expectations for response times and availability Create a "last chance" promotion if applicable After the Move: Re-register your business in the new state Update tax information (city, state, IRS) Submit reimbursement packet immediately Network in local military and civilian communities Join Facebook groups for your new area We love how our listeners support the mission of AMSE and the Owning Up podcast. As we continue to grow, advocate, and support military spouse entrepreneurs, we wanted to offer that same chance to you, our listeners. For only $5 - you can increase our reach within our community - locally, nationally, and globally. Visit Glow.fm/owningup to become an Owning Up supporter today!  We'd love to have you join our fantastic community! Join the ASSOC. OF MILITARY SPOUSE ENTREPRENEUR COMMUNITY: https://www.amsemembers.com/ Learn more about AMSE at www.amseagency.com Follow Monika Jefferson on Instagram, LinkedIn, Facebook  Follow us on Twitter, Instagram, LinkedIn, and Facebook "Once a spouse, always a spouse" - Supporting military spouse entrepreneurs in every season of their journey.

An international group of Mariologists has respectfully responded to the Nov 4, 2025, Vatican document on Mary, calling for "substantive changes" due to the document's straying from previous papal teachings on Our Lady. Listen and pass on the following summation of the International Marian Association's Theological Commission by Dr. Mark Miravalle.

I interviewed Khalil Ashawi, Sami Sultan, & Hail Khalaf about Under the Same Sky on Saturday, November 15, 2025 at IDFA DocLab in Amsterdam, Netherlands. This is a listener-supported podcast through the Voices of VR Patreon. Music: Fatality

Welcome to Episode 208 of Freedom In Five Minutes! Kevin from the Pro Sulum team takes the mic to deliver a no-BS breakdown of what's REALLY happening in the Managed Service Provider world as we head into 2026. Your MSP is about to pitch you a lot of "AI solutions" in the coming year. But here's the uncomfortable truth: most of it might be snake oil. Kevin reveals how to spot the difference between genuine AI transformation and expensive experiments being conducted on YOUR dime. If you're a business owner paying for IT services, this episode will save you thousands of dollars and countless headaches. Plus, you'll discover the ONE thing that must happen BEFORE you automate anything with AI (spoiler: almost everyone gets this wrong). What You'll Learn: ✅ The AWS MSP Pressure Cooker - Why Amazon is throwing "steroid-level" money at MSPs to sell you AI services (and what that means for your wallet) ✅ The One Question to Ask Your MSP - A simple test to determine if they're truly using AI or just practicing on your business ✅ Agentic AI: The Terminator of IT - The next-level automation that either becomes your best employee or your worst nightmare ✅ The "Intelligent Garbage" Problem - Why automating broken processes just creates chaos at 100x speed (and how to avoid it) ✅ Why QBRs Are Dead in 2026 - Stop accepting boring activity reports and start demanding Strategic AI Reviews that show real outcomes ✅ The Hidden Gap Your MSP Can't Fill - Why even the best IT providers can't systemize your operations (and who can) Key Quotes:

The White House has released a controversial new National Security Strategy (NSS) that marks a major realignment of U.S. foreign policy under the "America First" banner. The document lays out Trump's vision for ensuring America's "dominance" in the Western Hemisphere, cultivating "resistance" within Europe, reestablishing "strategic stability" with Russia, and accepting Middle Eastern leaders "as they are." Current and former European officials are already pushing back against the strategy's assertions regarding European alliances and demographics. SPONSOR: AURA Frames: Exclusive $35 off Carver Mat at https://on.auraframes.com/FIVEMIN. Promo Code FIVEMIN Independent media has never been more important. Please support this channel by subscribing here: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g?sub_confirmation=1 Join this channel with a membership for exclusive early access and bonus content: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g/join Five Minute News is an Evergreen Podcast, covering politics, inequality, health and climate - delivering independent, unbiased and essential news for the US and across the world. Visit us online at http://www.fiveminute.news Follow us on Bluesky https://bsky.app/profile/fiveminutenews.bsky.social Follow us on Instagram http://instagram.com/fiveminnews Support us on Patreon http://www.patreon.com/fiveminutenews You can subscribe to Five Minute News with your preferred podcast app, ask your smart speaker, or enable Five Minute News as your Amazon Alexa Flash Briefing skill. CONTENT DISCLAIMER The views and opinions expressed on this channel are those of the guests and authors and do not necessarily reflect the official policy or position of Anthony Davis or Five Minute News LLC. Any content provided by our hosts, guests or authors are of their opinion and are not intended to malign any religion, ethnic group, club, organization, company, individual or anyone or anything, in line with the First Amendment right to free and protected speech. Learn more about your ad choices. Visit megaphone.fm/adchoices

Speed is winning deals, but speed is also feeding fraud. We sit down with CRC Specialty Professional Lines Broker Mark Waldeck to unpack the messy middle where e‑signatures, legacy policy language, and decentralized bank controls collide. From the difference between a simple e‑signature and a cryptographically protected digital signature to why underwriters hesitate when controls vary by department, we map the risk pathways that turn convenience into claims friction.We examine a headline‑grabbing fraud where a bank funded a multimillion‑dollar loan to an impersonator despite notary involvement and remote verification. The dispute with the insurer highlights a wider issue: policy forms born in the era of signature cards are being stretched to cover today's remote closings, and the gaps show up at the worst time. If you work with financial institutions, you'll get a practical checklist to help ensure your banking clients are protected, from enforcing MFA and encryption to tightening scrutiny as transaction size grows. Tune in to understand how small cracks in verification can become multimillion-dollar failures—and what you can do right now to help clients stay ahead of emerging fraud risks. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Choice Classic Radio presents Escape, which aired from 1947 to 1954. Today we bring to you the episode titled “The Shanghai Document.” Please consider supporting our show by becoming a patron at http://choiceclassicradio.com We hope you enjoy the show!

This episode is for anyone staring down the end of the year wondering if they "succeeded"—comparing themselves to external markers, measuring their worth by what didn't happen, or feeling behind despite doing the work. We explore how to define success on your own terms, celebrate what actually matters, and set yourself up for meaningful progress ahead.The Big QuestionHow do I define success as I reflect on the past year and plan for the next?What We CoverGround yourself in your actual goals – Compare yourself to what you originally set out to do, not what others achieved or external markers say you should have done.Account for pivots – Document when your plans changed. Those adjustments often represent good leadership, not failure.Balance input and output goals – Focus on what you control (inputs like sending weekly newsletters) alongside desired outcomes (outputs like business growth). Input goals give you agency and realistic measures of success.Get specific with your vision – "Getting a job" isn't enough. Define the job you want, at the company you want, doing work you want to do.Give yourself grace – Sometimes success is showing up through a hard year. No one else knows the battles you fought.Key TakeawaySuccess isn't just about hitting January's goals. It's about acknowledging what shifted, celebrating the inputs you controlled, and defining what matters to you—not what external markers say should matter.Resources MentionedRuchika Malhotra, Uncompete: Rejecting Competition to Unlock SuccessResources:Navigating a big transition? Check out our Pivot Plan: 8 Questions to Ask Yourself Before Your Next Big Move.Think coaching might be right for you? Schedule a free consultation to explore how we can help you step into your next level of leadership.Interested in going deeper in your own leadership and building your network? Join the waitlist for The CoCreate Work Leadership Book Club to explore the themes from this episode in community—through powerful reads, reflection prompts, and live conversations.Our last session of the Culture Crash Course just ended, but if you're interested in a Culture Crash Course for your organization or team, please contact us at support@cocreatework.com.Interested in leadership development for your team? Our Workshops are a great wait to develop your team's skills and connection.At CoCreate Work, we believe in asking great questions. Click here to receive our guide to 40 Powerful Questions to accelerate your growth.We would love to connect with you!CoCreate Work on LinkedInCoCreate Work on InstagramLa'Kita on InstagramChloe on InstagramVisit our Podcast PageQuestions you would like us to answer on the podcast? Email us at podcast@cocreatework.com

Send us a textWe aren't just whacking off!  We do take this seriously!

The first episode of KeyMark's new podcast series - Mostly Unstructured explores a range of topics related to intelligent document processing for the strategic transformation of unstructured data. In E01 - Intelligent Document Processing - The Keystone Tech, Ed is joined by Colin Toomey to lay some foundational groundwork for IDP as a fundamental necessity for data pipelines, workflows, and artificial intelligence systems.

This short teaching is actually an exercise to help you be still.You will encounter GodReceive His healing in your bodyRenew your identity in HimReconnect with your Placement, Calling and Kingdom AssignmentBe Still ... Connect ... Receive ... and Stand Up in Faith!__________________________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

In this episode of The Insuring Cyber Podcast, Kasey Roh, U.S. CEO of Upstage AI, discusses how AI is transforming some of the most complex and time-consuming workflows … Read More » The post EP. 110: Solving Insurance's ‘Document Chaos' with Agentic AI appeared first on Insurance Journal TV.

In this episode of The Insuring Cyber Podcast, Kasey Roh, U.S. CEO of Upstage AI, discusses how AI is transforming some of the most complex and time-consuming workflows … Read More » The post EP. 110: Solving Insurance's ‘Document Chaos' with Agentic AI appeared first on Insurance Journal TV.

This week, The Trek Files returns to one of our most personal corners of Trek history. Reinelda Estupinian,known lovingly as Reina, joins us again to share rare family photos and her firsthand memories of life inside the Roddenberry household. Hired in 1974 as a nanny for six-month-old Rod Roddenberry, Reina became a trusted part of the family for over three decades, eventually working closely with Majel Barrett Roddenberry at Lincoln Enterprises. Reina shares candid and touching stories of those years: traveling with the family, managing Majel's whirlwind convention life, and offering emotional support through Gene's declining health and Majel's final days. With affection and a few sitcom-worthy anecdotes, she paints a vivid picture of the private lives behind Star Trek's public legacy.

Chris and Daniel unpack how AI-driven document processing has rapidly evolved well beyond traditional OCR with many technical advances that fly under the radar. They explore the progression from document structure models to language-vision models, all the way to the newest innovations like Deepseek-OCR. The discussion highlights the pros and cons of these various approaches focusing on practical implementation and usage.Featuring:Chris Benson – Website, LinkedIn, Bluesky, GitHub, XDaniel Whitenack – Website, GitHub, XSponsors:Shopify – The commerce platform trusted by millions. From idea to checkout, Shopify gives you everything you need to launch and scale your business—no matter your level of experience. Build beautiful storefronts, market with built-in AI tools, and tap into the platform powering 10% of all U.S. eCommerce. Start your one-dollar trial at shopify.com/practicalaiFabi.ai - The all-in-one data analysis platform for modern teams. From ad hoc queries to advanced analytics, Fabi lets you explore data wherever it lives—spreadsheets, Postgres, Snowflake, Airtable and more. Built-in Python and AI assistance help you move fast, then publish interactive dashboards or automate insights delivered straight to Slack, email, spreadsheets or wherever you need to share it. Learn more and get started for free at fabi.aiFramer – Design and publish without limits with Framer, the free all-in-one design platform. Unlimited projects, no tool switching, and professional sites—no Figma imports or HTML hassles required. Start creating for free at framer.com/design with code `PRACTICALAI` for a free month of Framer Pro.Upcoming Events: Register for upcoming webinars here!

This week, The Trek Files returns to one of our most personal corners of Trek history. Reinelda Estupinian,known lovingly as Reina, joins us again to share rare family photos and her firsthand memories of life inside the Roddenberry household. Hired in 1974 as a nanny for six-month-old Rod Roddenberry, Reina became a trusted part of the family for over three decades, eventually working closely with Majel Barrett Roddenberry at Lincoln Enterprises. Reina shares candid and touching stories of those years: traveling with the family, managing Majel's whirlwind convention life, and offering emotional support through Gene's declining health and Majel's final days. With affection and a few sitcom-worthy anecdotes, she paints a vivid picture of the private lives behind Star Trek's public legacy.

Lindsay A L Bazydlo, Maximo J Marin, Anna E Merrill, Louise M Man, Olajumoke O Oladipo, Neil S Harris. ADLM Guidance Document on Coagulation Testing in Patients Using Direct Oral Anticoagulants. The Journal of Applied Laboratory Medicine, Volume 10, Issue 6, November 2025, Pages 1675–1690. https://doi.org/10.1093/jalm/jfaf155

This week, The Trek Files returns to one of our most personal corners of Trek history. Reinelda Estupinian,known lovingly as Reina, joins us again to share rare family photos and her firsthand memories of life inside the Roddenberry household. Hired in 1974 as a nanny for six-month-old Rod Roddenberry, Reina became a trusted part of the family for over three decades, eventually working closely with Majel Barrett Roddenberry at Lincoln Enterprises. Reina shares candid and touching stories of those years: traveling with the family, managing Majel's whirlwind convention life, and offering emotional support through Gene's declining health and Majel's final days. With affection and a few sitcom-worthy anecdotes, she paints a vivid picture of the private lives behind Star Trek's public legacy.

       5/8. Thoreau, Extinction Denial, and the Destruction of America's Beaver Engineers — Dan Flores — Nineteenth-century intellectuals including Henry David Thoreau lamented the systematic extermination of iconic American fauna. Flores documents that the concept of species extinction was initially incomprehensible to European ideology, which posited a divinely perfect creation precluding permanent species loss. Flores emphasizes that beavers, functioning as immense ecological engineers reshaping aquatic and riparian landscapes, exemplified catastrophic loss; their pelts became commodity targets for the emergent global market economy, driving enterprises like the American Fur Company and precipitating near-total beaver annihilation throughout continental North America.

A MAIOR REVELAÇÃO DA HISTÓRIA?Prepare-se para mergulhar no episódio mais explosivo do Bunker X até agora. Affonso Solano e Afonso 3D analisam o impactante documentário The Age of Disclosure (2025), que pode ser o gatilho para a revelação definitiva de que não estamos sozinhos no universo.Com base em dezenas de depoimentos de insiders do governo americano — ex-militares, agentes da CIA e cientistas envolvidos em programas secretos — este episódio traz um resumo completo e comentado das denúncias mais bombásticas sobre:✅ Tecnologia alienígena em posse dos EUA desde 1947✅ A existência do ultra-secreto Programa Legacy✅ O caso Tic Tac UFO e objetos que violam as leis da física✅ A teoria da propulsão por warp bubble (dobra espacial)✅ A possibilidade real de vida extraterrestre e contato com múltiplas espécies✅ Efeitos biológicos colaterais em humanos que se aproximaram dos UAPs✅ Rumores de que Donald Trump pode fazer um pronunciamento oficial sobre alienígenasTeorias da conspiração? Guerra Fria cósmica? Ou o próximo passo da evolução da nossa civilização?Seja você um cético curioso ou um ufólogo veterano, este episódio é para você. A dupla do Bunker X mistura informação pesada com o humor ácido e crítico que já virou marca registrada do canal.Palavras-chave:OVNIs, UFOs, UAPs, aliens, The Age of Disclosure, documentário, governo americano, Área 51, Projeto Legacy, Donald Trump, revelação alienígena, conspiração, engenharia reversa, Warp Drive, Tic Tac UFO, Roswell, Disclosure, vida extraterrestre, ufologia 2025, tecnologia alien, Bunker X, Affonso Solano, Afonso 3DEste programa foi um oferecimento de:INSIDERGaranta descontos incríveis usando o cupom BUNKERX:https://www.insiderstore.com.br/BunkerX#insiderstoreCOMPRE o livro "Sob as Ruínas das Luzes"amazon.com.br/dp/B0FFTGNBMT

Pool Pros text questions hereIn this week's episode of Insurance Interludes, host Steve Sherwood teams up once again with Pat Grignon, Vice President of the California Pool Association (CPA), to tackle a real-world scenario hitting every service tech's nightmare list:A failing shell. A leaking pool. Conflicting opinions. And YOU stuck in the middle.Steve brings the audience behind the scenes of his own route — a client with a structural crack that keeps reopening, “experts” claiming they can fix it, and the big question:“How do I protect myself while still trying to do good business?”Pat breaks down exactly how pool pros can keep themselves legally covered, insured, and sane when structural failures, hillside homes, cracked shells, and desperate customers collide.What You'll Learn in This Episode

Inside the leaked Majestic-12 papers: UFO crashes, presidential secrets, and the greatest hoax—or cover-up—in UFO history. From Truman to the FBI, unravel the conspiracy that changed ufology forever. Learn more about your ad choices. Visit megaphone.fm/adchoices

Even the popesplainers were left scratching their heads with this document. Its not overtly heretical, just puzzling.Sources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Contact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

Even the popesplainers were left scratching their heads with this document. Its not overtly heretical, just puzzling.Sources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Contact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

Mickey Osterreicher of NPPA Discusses Photojournalism in the Modern Era: Legal Rights, AI Challenges, and How to Protect Your Work The 10 Frames Per Second podcast episode featuring Mickey Osterreicher, General Counsel for the National Press Photographers Association (NPPA), uncovers the toughest challenges facing today's visual journalists: Shrinking newsrooms & the rise of freelancers Legal battles over copyright, AI‑generated images, and fair use Police confrontations, arrests, and deportations of journalists The vital role of the NPPA in advocacy and education If you're a photojournalist, visual storyteller, or anyone who relies on images to inform the public, the insights from this episode are essential reading. A past guest on 10FPS (Episode 20) Mickey's career arc illustrates how photojournalism and law intersect: Phase Highlights Early Years Started with a 35 mm camera in college, photo‑edited the school newspaper, then worked for the Buffalo Courier‑Express (10 years). TV Transition Moved to WKBW‑TV, covered sports, and realized visual storytelling mattered more than column space. Law School Inspired by covering the Attica prison uprising and escorting attorneys William Kunstler & Ramsey Clark, he enrolled in law school while still working nights at the TV station. NPPA Legal Counsel Joined the NPPA in the early 1970s, later became its volunteer legal counsel, handling copyright, First Amendment, and police‑training issues. Key takeaway: A solid legal background can turn a photojournalist into an advocate for the entire visual‑journalism community. The State of the NPPA Why the NPPA Is Still Critical Founded 1946 – the “voice of visual journalists.” Membership shift: From staff photographers at newspapers/TV to freelancers & independent contractors. Financial pressure: Dues are modest, but staff salaries have been cut; board members now perform many staff functions pro‑bono. Advocacy priorities: Protect First Amendment rights. Provide legal training for journalists and law‑enforcement agencies. Fight AI‑related copyright infringement. NPPA's Current Initiatives Legal hotline – direct access to counsel for members. First‑Amendment training – delivered to police departments nationwide (e.g., Minnesota, Chicago). Copyright small‑claims court – a low‑cost venue for photographers to enforce their rights. Writing with Light (WwL) Coalition – developing standards for image provenance and authenticity. First Amendment & Police Encounters: What Every Visual Journalist Should Know 1. Know Your Rights Public spaces: You have the right to photograph and record, subject only to reasonable time, place, and manner restrictions. “Indicia” of journalist status: Press credentials, professional gear, and a clear “press” identifier help officers recognize you as a journalist. 2. Prepare Before You Go Contact local police ahead of time to introduce yourself. Work in pairs or a small team—the “buddy system” improves safety and documentation. Carry a written list of emergency contacts (phone numbers inked on your arm or stored offline). 3. If You're Detained Step Action Stay calm Do not resist; comply with lawful orders. Identify yourself Show press credentials, explain you're exercising First Amendment rights. Document the encounter Keep an audio/video record if safe to do so. Call the NP hotline (or the Reporters Committee for Freedom of the Press at 800‑336‑4243) as soon as possible. Notify a trusted contact (family, lawyer, editor). Ask for a copy of the arrest report and any charges filed. AI & Generative Images: The New Copyright Battlefield Why AI Threatens Photojournalism AI‑generated images can be indistinguishable from reality (e.g., deepfakes, synthetic disasters). Massive ingestion of photographers' work to train AI models, often without permission or compensation. Legal Landscape (U.S. Focus) Copyright registration is required before you can sue for infringement. Statutory damages: Up to $150,000 per image for willful infringement (as illustrated by the Daniel Morrel case). Fair‑use defense is fact‑intensive; courts evaluate purpose, nature, amount used, and market effect. Practical AI Safeguards Register every image you intend to license (or that has high news value). Add a visible watermark or embed metadata indicating ownership. Use tools from Adobe's Content Authenticity Initiative (CAI) to embed provenance data. Monitor platforms for unauthorized use; send a cease‑and‑desist using NPPA's model letters (available on their website). Practical Steps to Safeguard Your Images {#practical-steps-to-safeguard-your-images} Register Your Work File a registration with the U.S. Copyright Office within 90 days of first publication to get retroactive protection. Maintain a Documentation Log Date, location, equipment, and a brief description for each shoot. Store original RAW files in an offline, encrypted backup. Use Model Release & License Agreements Clearly outline permitted uses, fee structures, and attribution requirements. Leverage NPPA Resources Model cease‑and‑desist letters – copy, personalize, and send. Small‑claims court filing kit – for disputes under $10 k, no attorney needed. Educate Your Audience Publish a short note on your site about image authenticity (e.g., “This photo was captured on location with a Sony A7R IV; not AI‑generated”). Resources, Hotlines & Tools for Photojournalists Resource What It Offers Link NPPA Legal Hotline Pro‑bono legal advice for members nppa.org/legal‑assistance Reporters Committee for Freedom of the Press 24/7 emergency hotline (800‑336‑4243) rcfp.org Adobe Content Authenticity Initiative Metadata for image provenance contentauthenticity.org Small Claims Court Guide (NPPA) DIY filing checklist nppa.org/small‑claims Writing with Light (WwL) Coalition Standards for visual journalism ethics wwlight.org U.S. Copyright Office Register images, view guidelines copyright.gov Final Takeaways & Call to Action Your camera is a legal instrument. Understanding copyright, First Amendment rights, and AI implications protects both your livelihood and the public's right to truthful information. Join the conversation. If you're not already a member, consider joining NPPA to access training, legal support, and a network of advocates. Stay prepared. Keep your emergency contacts handy, register your work promptly, and use provenance tools to signal authenticity. Ready to protect your images? Register your latest photo series today. Download NPPA's model cease‑and‑desist letter (link above). Add the Reporters Committee hotline to your phone – it could be a lifesaver. If you found this guide useful, share it with fellow visual journalists and subscribe to 10 Frames Per Second for more expert insights. Keywords: photojournalism, NPPA, copyright, generative AI, visual literacy, First Amendment, police training, legal rights, arrests, deportation, threats to journalists, copyright registration, cease and desist, small claims court, AI training data, fair use, public domain, litigation, settlement, statutory damages, Daniel Morrel, visual journalism, body armor, journalist safety, situational awareness, protest coverage, media advocacy, NPPA membership, legal counsel, media law, AI image authenticityThe post Episode 165: Mickey Osterreicher (Legal Protections For Photojournalists) first appeared on 10FPS A Photojournalism Podcast for Everyone.

Little Rooms: Why Scrappy Starts Create Standout Cash PT Clinics In this episode, Doc Danny Matta unpacks a simple but powerful idea inspired by Andre 3000's Rock & Roll Hall of Fame speech: "Little rooms. Great things start. Little rooms." He connects Outkast's legendary basement studio—The Dungeon—to the tiny subleased spaces where most cash PT clinics begin, and shows why those gritty starts are not a disadvantage, but an asset that sharpens your skills, your story, and your impact. Quick Ask If this episode encourages you to see your "little room" differently, share it with another clinician who's thinking about starting or growing a practice—and tag @dannymattaPT so he can reshare it. Episode Summary AI scribe advantage: Clair saves staff clinicians ~6 hours per week, freeing up time for patient visits and revenue growth. Math of time: Even 3 extra visits per week at $200/visit adds roughly $30,000/year in revenue per clinician. Little rooms concept: Inspired by Andre 3000's "little rooms" quote and Outkast's early days recording in The Dungeon. Outkast's origin: Teenagers making music in a carpet-lined basement in a rough Atlanta neighborhood, with no funding and no guarantees. Clinic parallels: Most cash PT clinics start in tiny, imperfect subleased spaces with limited resources. Danny's first space: A sketchy CrossFit sublease with break-ins, rats, building shutdowns, and bad client experience—but strong outcomes. Skill as your differentiator: In a little room, you can't hide behind fancy equipment or build-outs—your outcomes are the product. Art, not just career: Obsessing over outcomes, studying cases, seeking mentorship, and treating PT like your craft is what gets you out of the small room. Word-of-mouth "virality": When your results are unique, people can't help but talk about you—just like people shared Outkast's early music. Growth phases: Start gritty & clinical, then evolve into a real business owner—leader, hirer, systems builder, and operator at scale. Lessons & Takeaways Everyone starts small: Basements, garages, subleases, apartment gyms—"little rooms" are the norm, not the exception. Your environment doesn't define you: A rough space does not limit your upside if your outcomes are excellent. Constraints create creativity: Limited resources force you to get scrappy, sharpen your craft, and focus on what really matters. Obsess over outcomes: Losing sleep over stalled cases, studying, and improving is part of turning PT into your art. Your story is an asset: The weird, stressful, funny early days become the part of your story people remember and root for. New phase, new skills: Once you're busy, the game shifts from being a great clinician to becoming a strong owner and leader. Mindset & Motivation Don't be ashamed of your "shitty little room": No windows, rats, sketchy parking lots—it's all part of your origin story. Treat PT like art: Outcomes and the way you care for people should matter to you at a deeper level than "just a job." You can't hold talent down: Great outcomes and care are like a beach ball underwater—eventually they pop to the surface. Respect the grind: The start is hard and scary—but also fun, intense, and memorable. Remember where you came from: If you're in a bigger clinic now, don't forget to tell the story of your little room—it makes you relatable. Pro Tips for Clinic Owners Leverage an AI scribe: Use tools like Clair to pull 5–6 hours/week off your clinicians' plates and reinvest that time into patients or higher-level work. Focus on outcomes first: Before worrying about decor and equipment, make sure your results are undeniably better than the clinic down the street. Document your story: Take photos, jot notes, and remember the early days—you'll use this later in marketing, branding, and leadership. Invest in yourself: Study, read, get mentorship, and ask for help on tough cases—your skill set is your first real "marketing budget." Level up as you grow: Once your schedule is full, actively learn hiring, leadership, finance, systems, and SOPs. Notable Quotes "Little rooms. Great things start. Little rooms." – Andre 3000 "If you're in a little room, you can't hide your skill set. You have to be really good at what you do." "Your product is you. You need to obsess over it. It's got to be your art, not just your career." "You can't hold talent down. It's like trying to push a beach ball underwater—it's going to pop up eventually." "Don't be ashamed of your shitty little room with no windows and a rat above your head. Everybody's got to start somewhere." Action Items Run the math on your time: how many extra visits could you add with an AI scribe like Clair? Audit your outcomes: are your results meaningfully better than your local competition? Write down your "little room" story: where did you start, and what did you have to overcome? Commit to one learning action this week: a course, article deep dive, or mentor conversation about a tough case. If you're on the fence about starting, accept that your first space will be small—and start planning anyway. Programs Mentioned PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Get crystal clear on how much money you need to replace, how many people you need to see, and the strategies to go from side hustle to full-time. Join here. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge MeetClair AI — Free 7-day trial for PTs About the Host: Doc Danny Matta — physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He has helped over 1,000 clinicians start, grow, scale, and sometimes sell their cash practices, and is passionate about helping PTs turn their craft into true time and financial freedom.

Vatican Releases Document on Polygamy – Here’s What You Need To Know!

What happens when fans learn their beloved Star Trek is returning, but not the way they expect? This week on The Trek Files, we take a mid-season dive into the pre-internet letter-writing era of fandom with a look at Interstat #109, a Star Trek "LOC-zine" published just after the announcement of The Next Generation in late 1986. With Mission Log host and producer John Champion joining Larry, we revisit that first wave of passionate, skeptical, and sometimes prophetic reactions from fans adjusting to the idea of Star Trek without Kirk, Spock, or the original cast. From fears about recasting to early excitement about a new crew, these letters reveal a fandom both resistant to change and deeply hopeful for Trek's future. And while the tone may be more thoughtful than today's drive-by social media culture, the underlying emotions haven't changed. Together, John and Larry reflect on how fandom evolves, why backlash often masks deep investment, and how publications like Interstat helped shape the Trek we know today—slowly, one stamp at a time.

“Operation Night Cat” is a special three-part series from NHPR's Document team and Outside/In.Episode 3: A Duck's a DuckTwo sets of potential crimes, investigated by more than five sets of law enforcement agencies. Why most of them never took a shot at accountability.News audio clip credit: WMUR. For a full list of credits and transcript, visit outsideinradio.org.  SUPPORTOperation Night Cat is made possible with listener support. Click here to support independent, investigative journalism. To hear more of Document's investigative journalism, including their three-part series on New Hampshire's YDC scandal, subscribe wherever you get your podcasts. Follow Outside/In on Instagram or join our private discussion group on Facebook. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today, we're talking about the fallout from Wednesday's release of new Epstein documents; Trump's rollback of tariffs on hundreds of imported food products; Disney and YouTube TV reaching a deal to end a two-week channel blackout; and other top news for Monday, November 17th. Stay informed while remaining focused on Christ with The Pour Over. Looking to support us? You can choose to pay here Check out our sponsors! We actually use and enjoy every single one. Cru Safe House Project Upside Mosh Life Application Study Bible LMNT She Reads Truth Quince CCCU Surfshark Theology in the Raw Holy Post Not Just Sunday Podcast The Pour Over's Newsletters: The Pour Over Decaf News Health Praying the News