Podcasts about Ethos

The Payton Tolle era is upon us and Coley is making a huge statement coming off a sweep of the O's. -Tolle Mick -Sox Sweep Orioles -Anthony TWO Leadoff Homers -Gio, Bello, Crochet 3-Headed MONSTER -Reevaluating Craig's Moves -Ketchup Big In Boston -95.7% Playoff Odds NEW MERCH: https://section10merch.com SECTION 10 NIGHT TICKETS: https://redsox.com/section10 Use promo code “Jared” to get up to $1000 in bonus credits AND a special pick on Underdog! PLAY HERE: https://play.underdogfantasy.com/pc-d2PyPbHAPu Get Blue Moon Light delivered by visiting https://get.bluemoonbeer.com/JARED for delivery options. Get your free quote today at https://Ethos.com/SECTION10 #ad For simple, online access to personalized and affordable care for Hair Loss, ED, Weight Loss, and more, visit https://Hims.com/SECTION10 #ad This episode is sponsored by BetterHelp. Our listeners get 10% off their first month at https://BetterHelp.com/ROCKET Download the Gametime app, create an account, and use code SECTION10 for $20 off your first purchase. Terms apply. 0:00 - Intro 3:30 - Coley Live Beard Shave 17:30 - https://section10merch.com 19:01 - Schwarber 4-Homer Game 24:00 - Back To The Stache 27:30 - Mike Singletary 29:52 - Sox Sweep Orioles 46:10 - Taikus 51:20 - Game 1, Brennan Bernardino 56:40 - Game 2, Lucas Giolito 1:04:00 - Everything Coming Up Craig? 1:22:00 - Defensive Alignment 1:26:00 - Skubal Gets Shelled But 1 Earned Run 1:27:30 - Narváez In Pain 1:31:35 - Game 3, Brayan Bello 1:39:00 - Game 4, Garrett Crochet 1:39:32 - Nextel Call Of The Series 1:46:00 - T Messes Up 1:47:45 - Lou's Stand Up Technique 1:49:13 - Red Sox Win 3-2 1:50:18 - MLB/Red Sox Social 1:55:17 - Coley Is A Dick Now 1:57:45 - Parade 2:01:35 - Bon Jovi Invite Out 2:05:00 - Outlook Over The Next Month 2:28:30 - KKSMVP 2:50:50 - Roman Ketchup Interview 2:55:30 - Commercials 2:56:55 - Jared & Coley Fight 2:58:45 - Stop & Shop Look Ahead 3:08:50 - Weather Look Ahead 2:16:28 - Predictions 3:21:50 - Final Thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

Los Angeles artist Ethos Fain

In today's pod we breakdown the 2025 Baltimore Ravens. This is a very complete team. They have no real weaknesses. This team is the definition of super bowl or bust. I hope you enjoy! Also please check out Ethos life insurance! Protect your family with life insurance from Ethos. Get your free quote at https://Ethos.com/GFB TWITTER: https://mobile.twitter.com/FBallAnalysisYT   Welcome to the Football Analysis Podcast! Subscribe for all NFL related content! Please drop 5 star rating if you enjoyed the pod as all support is very much appreciated! Thanks for listening!     #nfl #nflfootball #football #nfldraft #baltimoreravens #ravens     Support Us By Supporting Our Sponsors!   Arena Club: 20% off your first Slab Pack or card purchase by going to https://arenaclub.com/GFB and use code GFB.    Bear Mattress: Click here https://bearmattress.com/analysis and use analysis to get 40% off your mattress + 2 free pillows. Offers are subject to change.   Gametime: Download the Gametime app (https://gametime.co/) and redeem code ANALYSIS for $20 off your first purchase (terms apply)  

David Pollack joins the show to break down his predictions for Week 1 of College Football. Let us know your thoughts on these matchups in the comments! Ep.845 - - - Today's Sponsor: Ethos - Get your free quote at https://Ethos.com/BOOSTER BAERSkin Tactical Supply Co. - Text CRAIN to 36912 and get 60% off BAERSkin today. - - - Privacy Policy: https://www.dailywire.com/privacy Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Clayton | 08.24.25 | ethoschurch.org

Gentry Wigginton | 08.24.25 | ethoschurch.org

A seemingly simple question about Godzilla sparked an engaging conversation between Ryan and his son. Ryan shares how he approached explaining complex concepts in a way that his son can understand and the importance of seizing moments to connect and explore complicated ideas together.Give yourself the ultimate gift of parenting tools, structure, and community. Join The Daily Dad Society here: https://dailydad.com/societyProtect your family with life insurance from Ethos. Get your free quote at Ethos.com/STOIC✉️ Sign up for the Daily Dad email: DailyDad.com

By focusing on the problems other people's egos are causing we excuse ourselves from looking in the mirror at our own.

Michael Cohen and Ben Meiselas discuss Trump's disaster in Alaska and showdown at the White House yesterday with European leaders and Zelensky. This and more on a NEW Episode of Political Beatdown. CookUnity: Go to https://www.cookunity.com/beatfree for Free Premium Meals for Life. Thanks to CookUnity for supporting the show! Wild Alaskan: Get seafood you can trust. Go to https://wildalaskan.com/BEAT for $35 off your first box of premium, wild-caught seafood. Ethos: Get your free quote at https://Ethos.com/BEATDOWN Subscribe to Michael Cohen's NEW Channel for daily episodes! https://www.youtube.com/@TheMichaelCohenShow/featured Join us on Patreon: https://www.patreon.com/PoliticalBeatdown Add the NEW Mea Culpa podcast feed: https://linktr.ee/meaculpapod Support Michael's Legal Fund: http://donald4prison.com Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices

The Red Sox suffered their worst loss of the season and lost both games to the Orioles. -Ok Boom -Struggling With RISP -No Tag From Eaton -Nate Lowe Impact -Playoff Picture Outlook -Need To Lock In Vs Yanks -Staying Optimistic NEW MERCH: https://section10merch.com SECTION 10 NIGHT TICKETS: https://redsox.com/section10 Use promo code “Jared” to get up to $1000 in bonus credits AND a special pick on Underdog! PLAY HERE: https://play.underdogfantasy.com/pc-d2PyPbHAPu Get Blue Moon Light delivered by visiting https://get.bluemoonbeer.com/JARED for delivery options today!  This episode of Section 10 is sponsored by BetterHelp. Our listeners get 10% off their first month at https://BetterHelp.com/ROCKET #ad Protect your family with life insurance from Ethos. Get your free quote today at https://Ethos.com/SECTION10 Learn more about your ad choices. Visit megaphone.fm/adchoices

Rutger Bregman, international bestselling author, joins John Maytham to discuss his new book called “Moral Ambitions: Stop wasting your time and start making a difference”. Bregman calls this ethos moral ambition: the drive to be among the best Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

President Trump is set to host Ukrainian President Zelensky and European allies, Meta is under scrutiny over the conversations of their chatbots, and three states answer Trump's call for more National Guard to D.C. Get the facts first with Morning Wire. - - - Wake up with new Morning Wire merch: https://bit.ly/4lIubt3 - - - Today's Sponsor: Ethos - Get your free quote at https://Ethos.com/WIRE - - - Privacy Policy: https://www.dailywire.com/privacy morning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Clayton | 08.17.25 | ethoschurch.org

Joshua Solowey | 08.17.25 | ethoschurch.org

Section 10 Podcast Episode #572 It was disappointing 2-4 road trip but there's light at the end of the tunnel. -Everyone Else Lost / Easy Schedule -Crochet's Worst Start -Hicks Bad Again -Dustin May Looked Great -Campbell When? -Mayer's Status -Yoshida Adorable, Not A Great Hitter -Happy Birthday Feitelberg NEW MERCH: https://section10merch.com SECTION 10 NIGHT TICKETS: https://redsox.com/section10 Use promo code “Jared” to get up to $1000 in bonus credits AND a special pick on Underdog! PLAY HERE: https://play.underdogfantasy.com/pc-d2PyPbHAPu Get Blue Moon Light delivered by visiting https://get.bluemoonbeer.com/JARED for delivery options today!  This episode of Section 10 is sponsored by BetterHelp. As the largest online therapy provider in the world, BetterHelp can provide access to mental health professionals with a diverse variety of expertise. Our listeners get 10% off their first month at https://BetterHelp.com/ROCKET #sponsored  Protect your family with life insurance from Ethos. Get your free quote today at https://Ethos.com/SECTION10 Start your free online visit today at https://Hims.com/SECTION10 0:00 - No Ok Boom 1:40 - Jared & T On The Baseball Hour 8:09 - Sox Took The L 12:03 - Bregman Out On Ketchup Too 13:30 - We Gotta Get Our Sh*t Together 17:33 - T At Fenway For Interview? 24:26 - https://section10merch.com 25:15 - https://redsox.com/section10 27:47 - Game 1, Garrett Crochet / Series L 34:00 - Jordan Hicks 49:00 - Walker Buehler 56:30 - Dustin May 1:03:50 - Kyle Harrison 1:13:00 - Kristian Campbell 1:20:00 - Yoshida 1:27:30 - Raffy Getting Hot 1:32:43 - Mayer's Status 1:37:00 - More Down On The Farm 1:44:10 - DH Talk / Yoshida Again 1:49:40 - Roster Construction 1:52:55 - Trevor Story Escapes Injury 2:00:05 - Trying To Stay Positive 2:04:55 - BAGZ2K @jbagz_jbonez 2:09:30 - Nervous T 2:14:40 - Happy Birthday John Feitelberg 2:16:30 - Happy Birthday Dallas Braden 2:18:00 - Jovi Out? 2:18:50 - Bad Since Ketchup News 2:19:50 - Stop & Shop Look Ahead 2:27:50 - Predictions 2:31:02 - Final Thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

What up party people. Welcome back for another episode of the Bonk Bros podcast and I hope you're not sick of Leadville talk just yet because we've got plenty more of that packed in this week. There's crashes, there's course records, there's controversial DQs, and Dylan's giant bag of emotions, plus plenty more so stay tuned for it.   Shout out to everyone we ran into this past weekend while out in Cloud City, it's always so fun and cool to mingle with the fans and hear about some of your favorite takes from the show. Speaking of running into people, DJ and I also got to meet Adam Barker, founder of Bolt Skin + Shave, for the first time in person at their expo booth and he was stoked about how many of y'all mentioned hearing him guest appear on the show last week and stop by the booth to check out their products after. So thank y'all for that. And if you did stop by then you know that we weren't joking about how heavy those razor handles are (in a good way) so hopefully you picked one up so you too can get level up your shave game.   Another big shout out to the Silca folks, always good catching up with them at the events, and I was even lucky enough to bring home some new hardware in the form of their Ultimate shock pump. Now, if y'all have been listening to this show for a while then you'll know I'm a pretty die hard SRAM boy so I was a little hesitant at first to step away from my trust Rockshox shock pump but let me tell you, this Ultimate shock pump is just a thing of beauty. Head over to Silca.cc today and use the code "BonkBrosAug15" for 15% off!   For updates on any and all of our supporting partners including the latest discount codes for y'all, check out the show notes each week so you can get access to some of our favorite items from partners like Silca and Bolt Skin+Shave, Bike Tires Direct, KetoneAid, or those amazing and intelligent lawyer folks over at Scarborough Bicycle Accident Law.   Alright, enough business chat for now. If you have any questions or feedback you can always email us at bonkbrospodcast@gmail.com or hit us up on Instagram. Or you can sign up for Patreon. If you haven't made your way over to our sister show then what the hell are you waiting  for but seriously, go check out the Bonk Babes Podcast who's killing it on their first few episode. SO yeah, go ahead and like and subscribe to their channel too so you can get double the BONK action each week. Alright, let's get this party started.     FOR UPDATED DISCOUNT CODES CHECK THE LATEST EPISODE: Silca (10% discount code: "BonkBrosAug15"): https://silca.cc/?utm_source=Bonk+Bros&utm_medium=podcast&utm_campaign=stripchip&utm_id=Bonk+Bros+Podcast   Bike Tires Direct (10% discount code: bonkbros): https://www.biketiresdirect.com/?utm_source=bonkbros&utm_medium=banner&utm_campaign=bonkbros2025   Bolt Skin + Shave (BROS15): https://www.boltshave.com    Scarborough Bicycle Accident Law: https://www.bicycleaccidentlaw.com   KetoneAid: https://ketoneaid.com/?utm_source=BonkBros   Dynamic Cyclist (10% discount code: BONKBROS): https://new.dynamiccyclist.com/a/43703/xkYViFV8     Patreon: http://patreon.com/patreon_bonkbros    For more Dylan Johnson content: https://www.youtube.com/channel/UCIf1xvRN8pzyd_VfLgj_dow   Listener Question Form: https://docs.google.com/forms/d/1T37wGRLk6iYTCF6X_DQ9yfcaYtfAQceKpBJYR5W7DVA/edit?ts=642eb6d6   MERCH: T-SHIRTS ARE HERE! Get your Bonk Bros swag below. https://bb5a73-20.myshopify.com/    IGNITION: Hire a coach. Get faster. It's that simple. https://www.ignitioncoachco.com/   MATCHBOX PODCAST: Check out our more serious training focused podcast.  https://www.ignitioncoachco.com/podcast      The Following Was Generated Using AI And Should Not Be Held To The Higher Standards Of Sentient Beings - Riverside.:    Summary This conversation explores various themes surrounding flight delays, race experiences, and the dynamics of gravel racing. The speakers share personal anecdotes about airline experiences, discuss the challenges of the Leadville race, and delve into the impact of media on racing narratives. They also address professionalism in gravel racing, safety concerns when amateurs and pros race together, and the crucial role amateurs play in the success of professional events. The discussion concludes with thoughts on the future of gravel racing events and potential changes to enhance safety and participant experience. In this conversation, the hosts delve into the emotional experiences of racing, particularly focusing on the Leadville race and its record-breaking performances. They discuss the controversy surrounding a disqualification in the women's race, exploring the ethics of calling out rule violations and the implications of such actions. The conversation also touches on the evolution of drop bars in racing, highlighting how they have become more mainstream and accepted over time. In this episode, the hosts delve into various topics surrounding cycling performance, particularly focusing on tire technology, race standings, and strategies for improvement. They discuss the recent performance of riders, the impact of tire choices on race outcomes, and engage with listener questions that highlight community insights and experiences. The conversation flows from technical discussions about tire performance to personal anecdotes and community engagement, creating a dynamic and informative episode for cycling enthusiasts.   Chapters 00:00 Flight Delays and Travel Woes 05:31 Leadville Race Experience 08:29 The John Gaston Incident 11:21 Feed Zone Chaos and Professionalism in Gravel Racing 20:18 The Intersection of Pros and Amateurs in Gravel Racing 21:44 Safety Concerns in Mixed Racing Events 23:40 The Epic Rides Model: A Blueprint for Success 26:17 The Need for Change in Race Structures 29:07 The Ethos of Leadville and Its Evolution 29:58 Racing Perspectives: Insights from the Live Event 34:20 Emotional Connections to Racing Experiences 38:39 The Weight of Victory 39:15 Record Breakers and Race Highlights 39:58 Controversies in Competition 43:14 Intent and Integrity in Racing 45:48 The Aftermath of Disqualification 48:49 The Ethics of Calling Out Cheating 53:17 Comparative Penalties in Sports 56:42 Future of Athletes in Competitive Racing 01:00:00 Upcoming Races and Training Focus 01:02:01 Race Strategies and Performance Insights 01:04:53 The Evolution of Drop Bars in Racing 01:06:37 Tire Technology and Performance Discussion 01:12:48 Race Experiences and DNF Decisions 01:14:39 Listener Questions and Community Engagement 01:16:48 The Evolving Landscape of Gravel Racing 01:18:32 Tire Choices and Race Strategies 01:19:29 Listener Questions and Insights 01:21:16 The Impact of Social Media on Cyclists 01:22:57 Health and Performance: Personal Experiences 01:24:35 Aerodynamics and Racing at Altitude 01:26:23 Wrap-Up and Future Races      

On this episode of "The Founder's Sandbox", Brenda speaks with Donovan Ryckis; CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in mid- -large market employers. Ethos Benefits was founded in 2016, after a chance request from a client of Donovan when he operated as a financial advisor--the client was faced with an increase in the companies' health insurance bill for the companies' employee plan that would have had a financial burden that threatened the sustainability of the company.   ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose.   Through Donovan's origin story we will have our eyes opened as business owners to the potential risks of employer sponsored healthcare plans and how to mitigate these risks. You can find out more about Donovan and Ethos at: www.linkedin.com/in/donovanryckis Upcoming master class on August 14th https://ethosbenefits.com/ https://businessofbenefitspodcast.com/ For a limited time only access the documentary: It's not personal, it's just  healthcare. https://ethosbenefits.com/documentary/     Transcript:  00:04 Welcome back to the Founder's Sandbox. I am Brenda McCabe, your host on this monthly podcast. It reaches  business owners and entrepreneurs who learn about building resilient, scalable, and 00:32 purpose-driven companies, all with great corporate governance. I am Brenda McCabe, and I am your host. And the guests that come to the podcast are not only those founders and business owners who are sharing their experiences, but also corporate directors,  investors,  and professional service providers who, like me, want to use the power of the private enterprise, small, medium, and large, to create change for a better world. 01:00 Through storytelling here and a recreated  sandbox,  my goal is to equip  one startup founder or one business owner at a time to build a better world through great corporate governance. Today, my guest is Donovan Rikas.  He is joining the podcast as CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in the mid to large market employer space. 01:29 So I'm absolutely delighted to bring in a professional service provider in  the employer benefits area, which  we're going to  unpeel  this  sector  today in the podcast. it's fascinating. So thank you, Donovan, for joining me today. Thank you, Brenda. Thanks for having me. Excellent. So  the company you and Chelsea, your wife and president of Ethos Benefits, 01:59 was founded in 2016, which wasn't that  long ago.  But it happened serendipitously.  You got a chance request because at that time, you were a financial advisor, right? Yes. When  your client was faced with an increase  in the company's health insurance bill for their employee plan,  pardon me, that would have had such a financial burden,  it would have threatened the sustainability of 02:27 the company and that's your client. So what did you do Donovan? What was the origin  of Ethos Benefits? Thank you. Yeah, so that's exactly right. I started as a financial advisor.  So Ethos Benefits was formerly a registered investment advisory, which was Jay Donovan Financial.  And one of the interesting things that are a little bit different on the security side versus the insurance world is 02:56 the ability to  license and designate yourself as a fiduciary advisor to your clients.  So that's really important and that's kind of where we started as financial advisors. So that essentially means that you're not gonna be commission-based with variable commissions based on what you wanna sell and the client doesn't really understand, right? You're gonna be  transparent with how you earn any compensation. 03:23 and you're not gonna have any conflicts of interest that might change  the recommendations or advice that you're giving them. So it's gonna be flat fee and you get to work with them directly instead of working for the financial institutions and the insurance companies kind of in the background that are actually the ones incentivizing. Cause  it's this odd relationship where it's like you think the financial advisor is working for you but they're actually incentivized by the institutions  that they're representing. Very important clarification because we do have a question 03:53 further on, which is, you know, what, what, how does the 401k management, right about employers 401 plan, mirror that of healthcare benefits? Yeah, for sure. You'll start to see some of those. So that's how we're working as financial advisors. And that's an important distinction as we get into an explanation of 04:22 the whole healthcare industry and how that works. So you're exactly right. I was working as a financial advisor, working with business owners  because they had more kind of complicated planning and tax structures and things that I could do to really make a difference.  And what I realized is when most of them had commission-based advisors, they'd rush to sell a product, mutual funds  with upfront loads and REITs that had  proprietary commissions and all this kind of stuff. And then they would leave without worrying about any of the 04:52 tax consequences,  you know, islets or trusts or even wills, right? Like all these extra things that business owners needed to set up their own personal wealth, but also their company, their 401k, maybe combining a defined benefit plan. So that was kind of the niche I chose.  And it was incredibly lucrative. I loved it.  Was doing exactly what I wanted to do until that client kind of asked me for that help, like you alluded to. 05:21 And it was 40 % increase on his health insurance. He said, my broker says, this is it. There is nothing else. Can you help? And I didn't know any idea. Like I had no idea about health insurance or what I do. But yeah, just- No, no. problem. 05:39 And certainly as a financial advisor, it kind of seemed like going backwards and beneath me. didn't really want to do it, but I was like, I could hear the panic in his voice. And I was like, yeah, absolutely. Just send me everything you have. And after about three weeks, basically making as many connections in the industry and learning as much as I could and trying different things, we basically mitigated that increase entirely. 06:05 And he actually came three points under where he was currently today before that increase. And we didn't take away any benefits from employees. We didn't put them in smaller  HMO networks. We didn't increase deductibles or increase their premiums. None of the usual tricks.  So this was a like for like solution. We actually improved the plan a bit and came in under.  And it really made me realize in that moment, it wasn't my experience or my education or my smarts that 06:34 may be able to do this,  it was a lack of conflicts  in compensation and incentives,  right? Because his broker does about $7 billion a year annually.  I didn't come in with more market knowledge, leverage, or experience. I just didn't have conflicts of interest and compensation. That's what  started me down this path.  And  back then,  you hadn't yet  created Ethos Benefits with that name. 07:03 So when I did a little bit of research,  I couldn't have been more delighted that you actually reached out to to be featured on the founder sandbox because of two reasons, you the word fiduciary, right?  It was in  your basically your call to action, right? Or your or the definition of company. So,  you know, you  are  the governance of a company goes way beyond making a profit for shareholders. 07:32 the duty of care, the duty of loyalty and the duty of obedience is really the underpinning elements of  fiduciary duty. And on your website, you say our ethos is simple fiduciary first. So we're going to appeal that in here in a minute here. So act in the best interest of those we serve,  no matter the cost. You also on the website,  you you had a purpose ethos represents the guiding principle. 08:01 character or spirit of an organization or a person is the why that drives decision making and feels purpose. So I,  I looked like I was reading what next act advisors may consult a firm is about is just really finding those purpose driven. So  with that, I wanted to just, you know, ask you,  what was that you had that first client that first aha moment, and 08:29 How long did it take you and did when did you realize that this could be a a career change for you, right? Rather than a financial advisor, you were actually actually a health care benefits advisor, right? Yeah, I mean, I think I think the first moment is, you know, being being a financial advisor was very lucrative. And I like the people I was working with. I liked working with entrepreneurs and business owners and and, you know, just 08:58 I found them inspiring and I was curious about the things they're doing. And  I think that kind of lifts everybody up when you keep a circle like that, right? Like you  push yourself harder, you learn, educate and do different things.  So I love the clients I was working with. Like I said,  maybe  working on personal wealth for individuals though, isn't the most rewarding thing you could be doing. seeing that... 09:25 Don't get me wrong, I was paid well enough. It would have took me a long time to figure out that it wasn't very personally fulfilling.  But seeing that first case, mean, the first thing I did when I got that successful proposal back, before I presented it to the clients is I was looking at the math  of what does this cost? What difference does this make per paycheck to all the individuals in this planet? And then I'd look at somebody, my God, this person's got a wife and two kids. Look at the difference in premium there. 09:54 I was calculating my work in return to the average American worker and realizing like me putting myself aside to  proactively, strategically go after this problem instead of making a decision for my own personal commission, looking at how much that impacted everybody. And that was powerful. 10:20 I'm going on 20 years in financial services and every aspect of it, I've seen people who prioritize commissions over, you know, a better product, a better outcome for an individual. But the idea that that could be done on scale to where you're now making that decision for yourself over 200, 500, 2000, 3000 employees, like that's pretty disgusting, right? So seeing that that kind of impact could be made. 10:49 I mean, it was  it was really not a question after that I knew I was transitioning my business. Excellent. Excellent. So  my own path  after 25 years in Europe  was quite an eye opening experience when I came back to the United States, I am a US citizen, but I had to get you know, I've been working for myself and I had to get self insured. So  I got back this is like 11:18 12 years ago, I got the Affordable Care Act for dummies from my local library.  I had not yet transferred my tax certification to the United States takes quite a few years when you've been gone so long.  So you because you do have to sub venture tax returns and all that. And then  I ran into I met Marshall Allen, the author of never pay the first bill and the other ways to fight the healthcare system and when 11:46 Marshall Allen actually spoke at  a graduate or alumni event of University Chicago. And  I was, you know, reading these books. And you know, eventually,  I got my own broker to help me get onto the exchange. But it every year has been  an experience.  I'm fortunate to be part of a  membership organization through which  for small  and medium sized businesses and I get  PPO through 12:14 I won't mention names, but  I was  blessed because just  and I'm 12 years in the United States, you have to knock on a lot of doors to actually get health care when you are a small business  owner  and really  understand what  you are paying for,  not only your premiums of what are the services  that are provided. So can you talk about  the average 12:44 premium for a family of four and some of the  numbers that you discovered  and believe  we as a country could actually improve  on the outcomes, healthcare outcomes with the actual spend we have today, right? Yeah, we're getting the numbers are pretty wild. mean, I feel like we're really kind of getting to a breaking point with it.  You know, 13:12 For what I work on, employer-sponsored healthcare, 186 million Americans are covered under employer-sponsored healthcare plan. These plans can average increases anywhere from seven to 10 % annually. We see a lot of reports that come out that kind of measure these things. Kaiser Family Foundation does one, Milliman Index is another one. So there's a lot of studies that kind of measure this annually and changes for employers across the board. 13:41 What we saw this year for 2025 was the average cost for a family of four under employer sponsored health care plan is $35,119, which is just an astonishing number. That is unaffordable for an employer. That's unaffordable for an employee. And it's unaffordable for them to split that cost as well, which is how these, yeah, that's how they're structured in some way or another. 14:11 And another number to know that kind of governs this is the ACA affordability percentage, which is essentially where employers have to contribute, they have to contribute enough to keep the premium under this amount, which is 9.02 % this year. So premium for one of your employees cannot exceed 9.02 % of their take-home pay. 14:39 And this is updated on an annual basis, correct? Correct. Yeah, it fluctuates a little bit, but it's always right at 9, 8.5, 9.2, it's balanced up and down. But that's a pretty astonishing number too. And I see a lot of companies that are basically designing their contribution just to stay under that. it's, obviously they'd love to do more, but with the way these costs increase annually, sooner or later, they get to that point. 15:07 where they're kind of designing it just to be under 9 % of the employee's income. Okay, that's  astonishing.  And I'm happy that you  are working nationwide now with employer benefits with companies that, what's the size of the companies that you typically sell to? So we only work with large employers these days. And if we have somebody come in a little bit under, we have some associate agencies that we can kind of refer them to. 15:36 I'd say our minimum is usually like 250 eligible employees all the way up to 5000. Yeah, so anywhere in that mix. Excellent. So when again, I first met you was unaware because you've basically become nationwide in the last what two, three years, right? I'd say around COVID. Yeah, I took off right. So when I was speaking with you spent some time on the website. 16:06 I was trying to understand the sales alignment. So how you reach customers, those employees that have 250 between 250 and 5,000 employees, right? My first reaction was, OK, Donovan, go in with either of these benefits. You do a cost down, right? You've done, you basically work yourself out of the job. You corrected me. So for my audience, so how? 16:32 does ethos benefits work for a company, right?  What is that?  Is it is it an annual  engagement  talk walk me through the work you Yeah, I mean, things are happening on a daily like when we break down our scope of services, we'll actually show them like,  these are daily, these are weekly tasks, these are monthly, quarterly and annual because there's so much happening.  So  we're talking about the employee benefit space. Yes, it's  the 17:01 kind of designing consulting for the annual premium for a 12 month period. I think that's what people first consider.  But there's also a ton of compliance factors that have to happen throughout the year that that company has to fill out, right? Could be anything from section  125s,  5,500s,  wrap documents, all kinds of notices and disclosures  that need to be done.  Also, you know, we deal with benefits administration. So that's... 17:29 How are the employees making elections, seeing premiums? Is that integrating into payroll?  So functions like that with eligibility in and out of the company  adjusting that.  But also we kind of discussed and talked about the fact that health care is incredibly complex. So all the same market influences, where the market's at, interest rates,  inflation, all that kind of stuff affects  health care rates just like any other company in the market. 17:58 but it also gets as granular as  new medical procedures, new drugs, new generic drugs that are now an option.  It can even go down, you know, locally or regionally to where we get a new CFO in a hospital group and that starts changing the reimbursement rates that they're requesting from the insurance. So we see that where kind of a CFO comes in and they start flexing, making life difficult in a particular region or with a hospital group. 18:28 So all these things are kind of coming together and changing every single day.  Also the fact of the sheer amount of bills,  claims that come through.  So what we see on average,  this is a pretty crazy number, but  what we see on average is 18 claims  per employee per year. Okay, that's a lot.  That's a lot. So if we had just a hundred employees, that'd be 1800. 18:56 basically accounts payable  into the company. And that's part of our job too, because as you might imagine, hospitals make tons of mistakes on the bills, about 80 % of the bills have mistakes.  And then we also have to make sure that those are coming in at fair reimbursement rates to the company, because what hospitals bill is a spectrum for the exact same procedure. And the only difference is the payer. It's not the patient, it's not the complexity, it's not the physician, like it's literally 19:25 just the insurance card that can affect that difference in reimbursement rates. So all these things kind of come together where, yes, it  very much is a daily  task for me and my team on different things that we're working on. And- Are you an advocate in any way for the employees? Yes,  very much. So, you know, it's two, there's two complicated ecosystems at the same time that we're trying to navigate. 19:52 One is certainly the healthcare finance, which is what we're working with the company. But healthcare delivery for employees and members is just as complicated and confusing as far as where do I go? What is this gonna cost? What's the next step? Can I get a second opinion? How would that work? Right? And also helping navigate them to their highest cost or their lowest cost, highest quality and understanding what that is and giving them options to seek care at. 20:21 at lower prices if that's available. Excellent.  So your  delivery platform, is it like a customer success team  that  is assigned solely to that client? How does it work? Yeah, so it's kind of different. every employer is starting at a different place. They also have different ideas of where their end place or where their goal is. 20:49 healthcare delivery, kind of working on some things like that, there might be a couple of different ways we handle it. One might be having a direct  primary care provider. So the idea of a direct  primary care provider is basically same day, next day appointments with your primary care physician  and 30 to 60 minute visit times, not the average, which is seven minutes with a PCP, which is what most people get across the country.  And  with that DPC provider, you can also do things like 21:18 stitches,  blood work, get generic meds. So we're talking about more of a comprehensive service when you actually need it, not  the 14, 18 day  primary care. So that might be one of the ways we help with healthcare delivery.  It might be a nurse concierge where they have a nurse that they can help find providers,  navigate them. That might be a part of it.  So it kind of depends. then also  a lot of the times are 21:47 Our team will basically act as a care coach, where if they have anything going on, they can just call us. We'll help them set appointments, navigate them towards care, help them with their ID problems. Fantastic. Anything else you'd like to share or shed some light on the service offering of ETHOS benefits? So we're going to jump into a legal question in a minute here. 22:13 Yeah, I mean, it always just depends on the employer.  what I would say is generally they find everything we do to be  more comprehensive. And I think that's just the nature of the fact that we're not seeking compensation from the insurance providers or working with the client, because  it's my belief that we don't have a single thing to sell to an employer.  Employers have a health care problem. And we're here to solve that and work through that in any 22:42 way that they need at that given time.  So we're not,  you know, pushing those solutions are having those conflicts.  It's an excellent segue down into  current lawsuits  that are popping up with respect to,  first of all 401k, lawyer, and now healthcare benefits. So before we jump into that some specific cases, you know, for my listeners, what does fiduciary mean? 23:12 in your business model, right? Please. Yeah. So fiduciary for us is certainly always acting in the best interest of those that you represent. It's the highest standard of care.  So you mentioned a couple of things  earlier, loyalty, obedience. I think the biggest thing where companies may think they're acting as a fiduciary and they're not, because while we carry that duty to our employers and our clients, 23:40 Employers have that duty to all of their employees. And that's something that are kind of educating them because a lot of them don't realize it. But  I think the big duty that is  left out or misunderstood is the duty of prudence.  Okay. So did they go far enough in investigating solutions and understanding the problem and working through it and having a committee within the company to kind of help go through that? Because what I mean, in a compensation package, there is nothing more important 24:10 than the cost of health care and the options in health care, right? And how those decisions are being made.  So I see the duty of  prudence being the kind of  most 24:23 I, the duty with the most opportunity, let's say, maybe, maybe the most misunderstood because  the employer sometimes think, well, you know, the broker came in and he showed me one or two other options.  This is the least worst option. Therefore that's what we're doing. And I think that's enough. Right.  And that is not the case.  And it's only until there's a 40 % increase due, right. It doesn't employer say  my business is not sustainable. 24:51 So actually healthcare is what not the number two or number three expense  in the company's PNL today. Correct. Right. So walk me through some of these  recent lawsuits.  Yeah, I think we have companies like J &J and JP Morgan. Speak to me about that. 25:14 Yeah, J. J. J. P. Morgan, Wells Fargo. A lot of them are almost they're copied and in some parts of the complaint,  because it's very much the same thing. the first one we saw was  Lewandowski versus Johnson and Johnson. And this is for their health care plan. You know, they're a Fortune 50 company.  I think they somewhere around 160,000 employees. 25:42 and they have a benefits committee and a benefits team of 16 or 18 people. So a big team of people to help make these decisions, understand them and vet them. And the lawsuit is basically for their decision of pharmacy benefit manager. So a pharmacy benefit manager essentially sets the price for any drugs that employees could get within the plan. And it lays out 35 or so specific examples of drugs 26:12 but basically they agreed to pay  up to  13,000 times  the cost of the drug that's available, just cash pay.  employee and employer funds are agreeing to pay that kind of multiple on a drug that's available without insurance, much, much cheaper.  And the  lawsuit is brought by the plaintiffs, who are they? 26:40 am Lewandowski. So she's she's the plaintiff. And then I believe as it's developed, other employees have kind of came on. So 13,000 was it do you know, I know that you're not directly involved in this case. Nor should you speak to it if that is the case. But is the transparency of the data? Can you get that data if you were an employee to then understand the 27:09 multiples that your employer plan has agreed to pay to the pharmacy benefit. I'm aghast. 13, I think the number is 13,226. So when this came out last January, the first thing I did is I read through the whole complaint. It was like 130 pages went through all these. So for all the drugs that were mentioned, I ran 27:40 J &J's prices, again, Fortune 50, 150, 160,000 employees. So you would assume they're getting leveraged prices, they're making great decisions, all those kinds of things. I ran those prices against what my clients were paying. And in the smallest, like I think our smallest in my book of business, like 100 insured employees somewhere around there, they were paying 94 % less. 28:06 for the same, for one fill of all the same drugs. So the math worked out to be like 135,000 for J &J for one fill of each of those. And my clients were like 3000 or 4000, don't know, it's all my LinkedIn. posted the public letter as soon as it came out. But I basically price referenced them. So it's not a question of leverage or buying power, know, all the ridiculous things you hear. 28:34 when you're talking to  an insurance broker for these types of decisions,  it's literally, it comes down to that question of prudence. Like,  how did you vet these decisions?  Do you know how the pharmacy benefit manager is getting paid? Do you know what these drug benchmarks are against the cash price?  And that's  where I think this lawsuit is gonna be a slam dunk. Like, there is no reason for a company that size with that big of a benefits committee to hire such a conflicted PBM, is what they call it. 29:04 You heard it here on the founder sandbox. So stay tuned for  any other  lawsuits that are  worthy of mention. Do all of them? Are they all related to the pharmacy benefit manager conundrum?  There's there's all kinds of lawsuits. I think the PBMs are the lowest hanging fruit because it's so easy to benchmark. But certainly the same arguments exist with  hospital reimbursement rates. 29:33 And we're starting to see those as well. Excellent. Well, thank you  for sharing  a bit more  details on  the  recent,  I guess,  health care benefits in the news, right? Lawsuits.  Going to get a little bit technical here. 29:57 because you allowed me to.  the framework of the CAA of 2020 and 2021, that's the minimum set of standards for activities to benchmark health care plans.  And so  what are they?  Because it then leads into  some of the common sense strategies  that employers can deploy immediately.  So can you walk? Because this is just as yesterday, it's actually during the pandemic. What's the CAA? 30:27 of 2020, 2021. Thank you. Yeah. So that's the interesting part of this. So the reason I said a decade ago, over a decade ago, I was waiting for these health care lawsuits to happen. It's because Arissa has always stated that  employers have this fiduciary responsibility, just like they had with  401k. The problem has been, and the reason these lawsuits didn't come sooner, is that health insurance companies  make this data hard to access. 30:56 different carriers were released different amounts.  And there was no set of compliance standards for employers to understand this is how I go about making it, making these decisions and benchmarking these decisions, right? Like  it was all just too vague, too opaque. The data was too gagged and withheld from the employers.  So the starting point of how do I know I'm being prudent or not, that's kind of what wasn't known prior to the  CAA of 2021. 31:27 So  the CAA  basically defined a set of minimum standards  that you have to do to even pretend like you're being a prudent fiduciary for your healthcare plan. So there's four things, but there's three main things. I'll mention the fourth thing as well, because there's funny stuff about that.  So the first one  should be the most obvious, and  it's kind of our founding story, which is understanding 31:53 your broker compensation before you enter into any arrangement or agreement for your upcoming plan. So that should not only be how much,  it should be when, what type of bonus is there. If you're looking at carrier A, B, and C, really what it says is you should know what is their compensation for carrier A, B, and C before you make an arrangement, because they will be different. And that will change the recommendation, the advice, the conversation that you're having with that broker. 32:23 is critical. That is so critical. And  in reading these transparency commission  disclosures from  brokers, it is wild, the stuff that they put in there and how conflicted their advice is.  One of them that I looked at last week said, broker acknowledges that their parent company has equity in the insurance carriers that they're recommending. Oh my gosh. So they're essentially saying, 32:52 We are an insurance company that's going to bias our recommendations to the own companies we have equity in. It's like, that's no longer a party you should take advice from, right? 33:07 Okay, so that's part one.  Yeah, no, this is this is  and you know,  I without it's gonna get too technical because the gag clause and  the prescription DC reporting so that you know, basically CAA has provided the set of benchmarks, right, which  you need to at least checkmark right before you actually do. 33:35 engage or decide on your employer benefit plan.  Yeah. To be in compliance with your fiduciary duty, particularly that of prudence. Yeah.  Yeah. And I think companies shouldn't look at as a checkmark. I think if they apply it with a good faith effort, they'll see like, oh,  it's not compliance. This is a framework  for making better decisions.  Right.  And that's what it's meant to do. It's meant to say, 34:05 Know your compensation, know your drug benchmarks,  and  eliminate any gag clauses to your data because you need your data to make decisions. So I think if companies make a faith effort, they'll automatically get better outcomes. That's the way here. Excellent. Well, thank you, Donovan. I want to give me this time to actually  speak about  how to contact you,  your company. But more importantly, 34:34 There is  you're hosting a webinar on August 14, which is right around the corner. Can you  give us some more details?  The details will be in the show notes,  but speak to the event that ethos benefits is hosting on August 14 2025. Thanks. Yeah, thank  you.  Yeah. So on the 14th, we're doing a fiduciary workshop masterclass, which is basically understanding what your 35:03 what your duties are, how to get through them, how to navigate them, how to have this framework for decision making and document that process as well. And it's all geared towards just achieving those better outcomes for your company, eliminating any of these risks and really creating positive results for your people. Excellent. And any information with respect to how to reach out to you beyond the- Yeah, sorry. the registration is on a banner on the top of our 35:33 on our homepage. So ethos benefits.com. If you connect with me on LinkedIn, LinkedIn,  Donovan, ragas, you can find it there as well.  Great. Well, I'm coming to the  part of my podcast, which  brings us back to the sandbox.  In my work, I'm all about working with purpose driven, scalable, and resilient companies. 36:00 And so I ask my guest, what is the meaning of each of those terms? What does purpose mean to you? 36:08 Purpose, what does it mean to you? That's such a big question that you can go a lot away from. You know, I feel like purpose should be almost like a hidden driver. It's almost not like a well-considered thing. It's just kind of driving you forward.  I think our purpose  is progress,  right? Like if something can be done better, it should be and just kind of moving forward with that. 36:35 We're trying to move one company at a time, but also the industry and better outcomes  for the country. 36:43 And that good feel factor when you get up in the morning and know that you're doing good, right? Yeah, absolutely. Let's just sleep well at night. Right? Yes. Amazing. How about resilience? You did share with me off  camera that yeah, while you abandoned the financials,  advisory role, it took almost five years, right to really find product market fit, right  and build this because it's a very unknown right industry. 37:12 unknown service within a very, very  complex industry, right? Yeah. So resilience for you, what does that mean?  Yeah, I think you're right. You know, it took us a while because we were sharing such a wildly different message than what people were hearing from their brokers. And sometimes they look at you and be like, well, you're small, they're big, that must mean they're right, right.  So I think resilience is being able to go from 37:42 failure to failure without any loss in energy, right? So when something doesn't go your way and you have an obstacle, an outcome that is less than desired, it's about being able to push on still without losing any of your optimism or energy. And that's all we do. So. Thank you for what you do. And scalable. What does scalable mean? 38:07 Scalable is certainly about having an actual documented process. I think when you're getting into something new as a company or a new system or procedure process, if it's not something that everybody in the company could repeat in the same way that I do, just inherently the way I do it because of my background and education, if it's not repeatable for everybody and everybody doesn't understand the purpose for those steps, 38:36 the outcomes from those steps, like the end result, it's definitely not gonna be scalable. Thank you. Final question. Did you have fun on the sandbox today? I did. Thank you so much for having  me. Thank you, Donovan.  So to my listeners, if you liked this episode with Donovan Rikas from Ethos Benefits,  sign up for the monthly release of founders, business owners, corporate directors, and professional service providers that share their experiences. 39:06 and how to build with strong governance a resilient, scalable, and purpose-driven company to make profits for good. Signing off for this month, thank you very much. Have a great day.  

On this episode of The Table with Anthony ONeal, we're exposing 7 things quietly destroying your wealth, and how you might be doing them without even knowing it. These aren't just “bad money habits”; they're financial landmines keeping you broke, stressed, and stuck. We'll uncover the choices, mindsets, and everyday behaviors that silently drain your bank account and rob you of your future. If you've been working hard yet still feel like you're falling behind, this is your wake-up call. It's time to plug the leaks, protect your money, and finally start building lasting wealth.In this episode, you'll discover:The everyday habits quietly robbing your future wealthHow small money leaks snowball into massive financial drainsPractical steps to stop the bleeding and start creating generational wealth

Car Insurance Companies HATE This $800 Savings Trick

Back pain is one of the biggest issues keeping golfers from playing their best—or from playing at all. In this episode, back pain expert Gavin Routledge unpacks why so many golfers suffer, the biggest myths about back injuries, and how you can build a plan to play golf without pain. We cover: • The “Cliff of Pain” concept and how to stay far away from it • Why your back pain may not be coming from where you think • Practical exercises and lifestyle changes that make the biggest difference • The role of mental resilience in recovery and prevention Learn more about Gavin's programs and download his free resources on his website here: https://golf.painfreeandconfident.com/ Use promo code THESWEETSPOT15 for 15% off his program Thank you to our show sponsors DeleteMe, Ethos, and LMNT: DeleteMe makes it easy, quick, and safe to remove your personal data online at a time when surveillance and data breaches are common enough to make everyone vulnerable. Take control of your data and keep your private life private by signing up for DeleteMe. Now at a special discount for our listeners. Get 20% your DeleteMe plan by texting SWEET to 64000. Message and data rates apply. • Ethos is an online platform that makes getting life insurance fast and easy There is no complicated process and it's 100% online No medical exam required. You just answer a few health questions Get a quote in as little as 10 minutes You can get same-day coverage without ever leaving your house Get your free quote today at https://www.ethos.com/sweetspot⁠https://www.ethos.com/sweetspot • If you want to take your hydration to the next level without sugar and all of the other dodgy ingredients in sports drinks, then you need to try LMNT. They just released a limited edition lemonade blend for the summer months. Visit ⁠⁠⁠https://drinklmnt.com/sweetspot⁠⁠⁠ to claim your free gift. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textAmir Nathoo is CEO of Outschool, a marketplace for live online classes for K-12 learners, and an advocate for expanding education access.  Previously, he led product development at Square and co-founded Trigger.io, a platform for creating native mobile apps. Amir holds an MEng in Electrical and Information Sciences from The University of Cambridge and lives in San Francisco with his wife and two children.Justin Dent is the founding Executive Director of Outschool.org. Justin was previously the Founder and Executive Director of Ethos, a nonprofit that provided career education to 18,000 low-income, first generation, or minority students annually. An active voice in the dialogue around education equity, Justin's writing has been featured in the Wall Street Journal and he's appeared on Fox Business, CNBC and Cheddar.

Brandon Steele | 08.10.25 | ethoschurch.org

Joshua Solowey | 08.10.25 | ethoschurch.org

The Red Sox locked up Roman Anthony for 8 years and we're spamming the horn. -ANNOUNCEMENTS -Breaking Down Roman's Contract -Credit To Breslow -Crochet Cy Young Campaign -Horny For Duran -Dustin May Was Bad -T's Printer For Sale NEW MERCH: https://section10merch.com Use promo code “Jared” to get up to $1000 in bonus credits AND a special pick on Underdog! PLAY HERE: https://play.underdogfantasy.com/pc-d2PyPbHAPu Get Blue Moon Light delivered by visiting http://get.bluemoonbeer.com/JARED for delivery options today! As the largest online therapy provider in the world, BetterHelp can provide access to mental health professionals with a diverse variety of expertise. Our listeners get 10% off their first month at https://BetterHelp.com/ROCKET Protect your family with life insurance from Ethos. Get your free quote today at https://Ethos.com/SECTION10 Download the Gametime app, create an account, and use code SECTION10 for $20 off your first purchase. 0:00 - ANNOUNCEMENTS 7:00 - Vibes Still Up 8:51 - Taikus 15:23 - Roman Anthony Extension 34:59 - Credit To Breslow 40:00 - “YoU sWiTcHeD uP” 48:00 - More On Anthony Deal 59:00 - Boston Is In On The Sox 1:03:20 - Game 1, Bello Start 1:18:00 - Duran TikToks 1:28:02 - Game 2, Crochet Start 1:46:30 - Jerry On The Territory 1:49:30 - Shoutout The Team 1:53:05 - Formula To Get To 90 Wins 1:58:20 - Win Predictions 1:59:44 - Nextel Call Of The Series 2:01:30 - Duran's New Swing 2:03:44 - Bon Jovi At Pats Camp 2:05:36 - Game 3, Dustin May 2:33:00 - KKSMVP 2:55:15 - Stop & Shop Look Ahead 3:01:13 - Weather Look Ahead 3:08:45 - Predictions 3:12:50 - Final Thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Table with Anthony ONeal we're breaking down why letting money control your life is not only unwise, it's dangerous. It's time to flip the script and start telling your money what to do, not the other way around. With most Americans unable to save even $1,000, we're showing you how to hit that goal in 30 days or less, starting right where you are.In this episode, you'll learn:The mindset shift that breaks the paycheck-to-paycheck cycleSimple daily habits to make saving automaticHow to uncover hidden money in your current budgetPractical ways to earn extra income without burnoutMentioned On Today's Show:**This video is kindly sponsored by Ethos!**

Show DescriptionIt's time for a ShopTalk GearTalk segment on video and audio upgrades, a chat about better YouTube thumbnails, buying the $200 Yamaha guitar (or equivalent in other areas of life), Chris and Dave riff on CSS modules, and what's your social media ethos in 2025? Listen on Website →Links how to make a killer thumbnail (for the 2025 algorithm) - YouTube Facecam 4K | Elgato Before I go: Always buy the $200 Yamaha - daverupert.com The $200 Yamaha – Chris Coyier 668: Jake Archibald on Native HTML Includes – ShopTalk 668: Jake Archibald on Native HTML Includes - YouTube 605: Jim Nielsen on Subversive URLs, Blogging + AI, and Design Engineers – ShopTalk 504: Jim Nielsen Blogging, App Icons, Color, and Images – ShopTalk A social media ethos - daverupert.com Sponsors

Dave Clayton | 08.03.25 | ethoschurch.org

Gentry Wigginton | 08.03.25 | ethoschurch.org

The Red Sox survived their flight and won another series. -Trade Rumors -Duran On Fire -Rays/Yanks Play-By-Play -Flemming In Hot Water -T Vs Tsunami -Pod Announcements -WE GOT MATZ -Suárez Dealt Use promo code “Jared” to get up to $1000 in bonus credits AND a special pick on Underdog! PLAY HERE: https://play.underdogfantasy.com/pc-d2PyPbHAPu Get Blue Moon Light delivered by visiting https://get.bluemoonbeer.com/JARED for delivery options today! Download the Gametime app, create an account, and use code SECTION10 for $20 off your first purchase. Fetch a FREE Jumpstart Trial Bag for your Dog Today. Go to https://RuffGreens.com. Just use promo code “SECTION10” Protect your family with life insurance from Ethos. Get your free quote today at https://Ethos.com/SECTION10 0:00 - Intro 1:20 - Should've Swept But Good Recovery 2:30 - Announcements 6:45 - Trade Deadline 21:00 - Scoops 34:30 - HOLY SHIT 43:00 - Rays/Yanks Play-By-Play 1:00:00 - Game 1, Dick Fitts Start 1:07:00 - Plane Ride 1:19:44 - Game 2, Giolito Start 1:25:15 - Flemming Gets Nailed 1:30:00 - Game 3, Bello Start 1:44:30 - Taikus 1:47:58 - KKSMVP 2:09:08 - Stop & Shop Look Ahead 2:21:23 - Weather Look Ahead 2:25:17 - Predictions 2:33:45 - Steven Matz 2:50:00 - Suárez To The Mariners 2:51:35 - Final Thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Table with Anthony ONeal, we're getting real about what it means to be one emergency away from broke. If you're living paycheck to paycheck, struggling to make ends meet, or just unsure what to do when money's tight, this show is for you! AO shares his personal story of being broke at 25 and the exact 9 money moves that helped turn his life around.In this episode, you'll discover:The money rules they never taught you in schoolHow to activate Financial Survival Mode (without panic)A step-by-step plan to stack your first emergency fund fastMentioned On Today's Show:**This video is kindly sponsored by Ethos!**

Brandon Steele | 07.27.25 | ethoschurch.org

In S6E10 I sit down with returning guest, author, speaker, and host of Aeon Byte Gnostic radio, Miguel Conner to discuss his latest book, The Occult Elvis: The Mystical and Magical Life of the King, which has critical acclaim and mainstream recognition. BUY The Occult Elvis:https://www.innertraditions.com/the-occult-elvis (from Publisher)https://a.co/d/gSzeHae (Amazon)Miguel:https://thegodabovegod.com/SUBSCRIBE to the ARCANVM Newsletter:⁠https://ikebaker.com/newsletter⁠For all things Ike be sure to visit/message him at: ⁠https://ikebaker.com⁠SUPPORT ARCANVM for $5/MONTH: ⁠https:patreon.com/arcanvm ⁠ FOLLOW on Facebook: ⁠https:facebook.com/arcanvvm ⁠ FOLLOW on Instagram: @a.r.c.a.n.v.m#elvis #occult #popculture

Section 10 Podcast Episode #566 The Red Sox salvaged another series finale to wind up 2-4 out of the break. -Surviving The Cubs & Phillies -Romy Grand Slam, Caption 2-Run HR -Deadline Approach -Dick & Boobs? -Buehler Solid Again -Marcelo Injury -We Miss Kyle From Waltham Use promo code “Jared” to get up to $1000 in bonus credits AND a special pick on Underdog! PLAY HERE: https://play.underdogfantasy.com/pc-d2PyPbHAPu Get Blue Moon Light delivered by visiting https://get.bluemoonbeer.com/JARED for delivery options today!  Download the Gametime app, create an account, and use code SECTION10 for $20 off your first purchase. Fetch a FREE Jumpstart Trial Bag for your Dog Today. Go to RuffGreens.com and use promo code “SECTION10”  Get $10 Off at BRUNT with code SECTION10 at https://www.bruntworkwear.com/SECTION10 #Bruntpod  Protect your family with life insurance from Ethos. Get your free quote today at Ethos.com/SECTION10 0:00 - Ok Boom. 6:30 - 2-4 Is Okay 8:10 - They're Gonna Do Stupid Sh*t 13:30 - Concessions Strike? 15:05 - Deadline Wants 31:00 - Dick & Boobs? 34:00 - Buehler's Pitching Lab Visit 39:00 - Who Could Be On The Way Out? 41:50 - No Update On Patrick Sandoval 43:30 - Other Trade Options 49:30 - Scoop Shop Update 51:30 - Compiling Reports 58:30 - Wilyer Abreu 1:06:00 - T In Pittsburgh 1:10:00 - Deadline Stream 1:12:30 - Trade Predictions 1:16:30 - Get Schwarber Back 1:20:30 - We Miss Kyle From Waltham 1:40:00 - Celebrate At Papa's? 1:44:00 - Spiders 1:49:10 - Marcelo Mayer Injury Update 1:51:35 - Bregman At 80% 1:57:00 - Mayer IL Stint? 2:02:30 - Catcher's Interference 2:07:15 - Jordan Hicks 2:10:33 - Stop & Shop Look Ahead 2:20:10 - Weather Look Ahead 2:24:47 - Predictions 2:28:15 - Final Thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

Trump accuses Obama of treason as Congress subpoenas Ghislaine Maxwell, Democrats attempt to shake off Hunter Biden's foul-mouthed interview, and a major surge in business investment bodes well for the American economy. Get the facts first with Morning Wire. - - - Today's Sponsors: Balance of Nature - Go to https://balanceofnature.com and use promo code WIRE for 35% off your first order as a preferred customer PLUS get a free bottle of Fiber and Spice. Ethos - Get your free quote at https://Ethos.com/WIRE - - - Privacy Policy: https://www.dailywire.com/privacy

Wednesday's 7am hour of Mac & Cube started off with the guys being said, but understanding, that the Stallions could be relocated away from Birmingham; then, Greg has harsh words for Tony Pettiti & Curt Cignetti after they take shots at the SEC and their scheduling; later, we go over how the Big Ten has some quality teams, but lacks the depth of the SEC; and finally, Greg reveals why Wisconsin might be in for a world of hurt this year. "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Fortitude and resilience seem to be words of a forgotten Ethos, a long-ago kingdom. Resilience is defined as the capacity to recover quickly from difficulties, the ability of a substance, or object to spring back into shape. Resilience is the ability to cope with and recover from setbacks. Does that sound like anything you know? Like…Life? It has been said, “We cannot control what happens TO US. WE do, however, have absolute control over what happens in us. Today, Mr. Black will be joined by author and friend, Kate Hamberger to promote her new book, “Dances with Fire”. In Dances with Fire, Kate relates the specifics of such infamous fires as the Yellowstone Fires of ’88 and the Dude Fire of ’90. In this riveting memoir, Kate recounts the fires she and her crewmates worked to control while often calling upon their physical reserves to survive. With great honesty and eloquence, she also shares the experience of falling in love, and the missteps made when you realize life has only prepared you for so much. She credits her faith with getting her through times of fear, loneliness, and uncertainty as she becomes a veteran firefighter herself. Today’s listeners will learn how to grow, and it is always, OUTSIDE, our comfort zone! Be sure to Like and Follow us on our facebook page!www.facebook.com/limradio Instagram @likeitmattersradioTwitter @likeitmatters Get daily inspiration from our blog www.wayofwarrior.blog Learn about our non profit work at www.givelikeitmatters.com Check out our training website www.LikeItMatters.Net Always available online at www.likeitmattersradio.comSee omnystudio.com/listener for privacy information.

Mo Obayomi | 07.20.25 | ethoschurch.org

In today's episode, Ryan sits down with Olga Khazan, Atlantic staff writer and author of Me, But Better, to explore how parenting forces you to grow in ways you never expected. Olga shares why she had doubts about having a child, what it really means to be an “agreeable” parent, and how she let go of the pressure to parent like the moms on Instagram. Olga Khazan is a staff writer at The Atlantic and author of Me, But Better. You can follow Olga on Instagram and X @Olganator and read more of her work on Substack: https://olgakhazan.substack.com/ Grab signed copies of her book Me, But Better  at The Painted Porch! 

They are not stupid. They can handle more than entertainment and silliness. In fact, they're hungry for meaning, for beauty, for depth. 

Download your FREE $10k Savings Tracker: https://www.anthonyoneal.com/free-tool/the-52-rule-savings-trackerOn this episode of The Table with Anthony ONeal, we're flipping the script. You don't need more money, you need a plan that actually works. We'll show you how saving your first $10K can be a total game changer for your financial future. That's why we created the 52-Week Savings Tracker, a simple, powerful tool designed to help you stack over $10,000 in just one year, starting with as little as $50 a week.In this episode, you'll learn:A clear, week-by-week savings plan you can actually stick toHow to stay motivated and consistent even when life gets busyThe power of using a visual tracker to stay focused and hit your goalMentioned On Today's Show:**This video is kindly sponsored by Ethos & Dovly AI!**

Andrew Smith | 07.13.25 | ethoschurch.org

-Gerry blasts Democrats for defending a marijuana farm in California where ICE found illegal child labor and faced gunfire. -The Epstein cover-up continues to unravel as Alan Dershowitz claims knowledge of suppressed names and documents. -Callahan mocks the climate change narrative, labeling it a failed scam, and notes the collapse of public concern despite persistent mainstream media efforts. Today's podcast is sponsored by : ETHOS LIFE INSURANCE: Protect your family with life insurance from Ethos. Get your free quote at http://ethos.com/newsmax Listen to Newsmax LIVE and see our entire podcast lineup at http://Newsmax.com/Listen Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at http://NewsmaxPlus.com Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : http://nws.mx/shop Follow NEWSMAX on Social Media:              • Facebook: http://nws.mx/FB              • X/Twitter: http://nws.mx/twitter             • Instagram: http://nws.mx/IG             • YouTube: https://youtube.com/NewsmaxTV              • Rumble: https://rumble.com/c/NewsmaxTV              • TRUTH Social: https://truthsocial.com/@NEWSMAX             • GETTR: https://gettr.com/user/newsmax             • Threads: http://threads.net/@NEWSMAX              • Telegram: http://t.me/newsmax               • BlueSky: https://bsky.app/profile/newsmax.com             • Parler: http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices

- More on the Trump missteps handling the Epstein files. - Prominent right leaning media figures are downplaying the importance of the coverup. - Jasmine Crockett continues to prove why she is not fit for office. - Biden's doctor pleads the 5th. Today's podcast is sponsored by :    ETHOS LIFE INSURANCE: Protect your family with life insurance from Ethos. Get your free quote at ⁠⁠⁠⁠http://ethos.com/newsmax⁠⁠⁠⁠ Listen to Newsmax LIVE and see our entire podcast lineup at ⁠⁠⁠⁠http://Newsmax.com/Listen⁠⁠⁠⁠ Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at ⁠⁠⁠⁠http://NewsmaxPlus.com⁠⁠⁠⁠ Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : ⁠⁠⁠⁠http://nws.mx/shop⁠⁠⁠⁠ Follow NEWSMAX on Social Media:              • Facebook: ⁠⁠⁠⁠http://nws.mx/FB⁠⁠⁠⁠              • X/Twitter: ⁠⁠⁠⁠http://nws.mx/twitter⁠⁠⁠⁠             • Instagram: ⁠⁠⁠⁠http://nws.mx/IG⁠⁠⁠⁠             • YouTube: ⁠⁠⁠⁠https://youtube.com/NewsmaxTV⁠⁠⁠⁠             • Rumble: ⁠⁠⁠⁠https://rumble.com/c/NewsmaxTV⁠⁠⁠⁠             • TRUTH Social: ⁠⁠⁠⁠https://truthsocial.com/@NEWSMAX⁠⁠⁠⁠             • GETTR: ⁠⁠⁠⁠https://gettr.com/user/newsmax⁠⁠⁠⁠             • Threads: ⁠⁠⁠⁠http://threads.net/@NEWSMAX⁠⁠⁠⁠              • Telegram: ⁠⁠⁠⁠http://t.me/newsmax⁠⁠⁠⁠               •BlueSky: ⁠⁠⁠⁠https://bsky.app/profile/newsmax.com⁠⁠⁠⁠             • Parler: ⁠⁠⁠⁠http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices

- Criticizing the Trump administration for dismissing questions about the Jeffrey Epstein case. - There's an investigation in to John Brennan and James Comey that is coming off like an Epstein coverup. - Mayor Wu and the Chinese Communist Party. - A look inside Alligator Alcatraz. Today's podcast is sponsored by :    ETHOS LIFE INSURANCE: Protect your family with life insurance from Ethos. Get your free quote at ⁠⁠⁠http://ethos.com/newsmax⁠⁠⁠ Listen to Newsmax LIVE and see our entire podcast lineup at ⁠⁠⁠http://Newsmax.com/Listen⁠⁠⁠ Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at ⁠⁠⁠http://NewsmaxPlus.com⁠⁠⁠ Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : ⁠⁠⁠http://nws.mx/shop⁠⁠⁠ Follow NEWSMAX on Social Media:              • Facebook: ⁠⁠⁠http://nws.mx/FB⁠⁠⁠              • X/Twitter: ⁠⁠⁠http://nws.mx/twitter⁠⁠⁠             • Instagram: ⁠⁠⁠http://nws.mx/IG⁠⁠⁠             • YouTube: ⁠⁠⁠https://youtube.com/NewsmaxTV⁠⁠⁠             • Rumble: ⁠⁠⁠https://rumble.com/c/NewsmaxTV⁠⁠⁠             • TRUTH Social: ⁠⁠⁠https://truthsocial.com/@NEWSMAX⁠⁠⁠             • GETTR: ⁠⁠⁠https://gettr.com/user/newsmax⁠⁠⁠             • Threads: ⁠⁠⁠http://threads.net/@NEWSMAX⁠⁠⁠              • Telegram: ⁠⁠⁠http://t.me/newsmax⁠⁠⁠               •BlueSky: ⁠⁠⁠https://bsky.app/profile/newsmax.com⁠⁠⁠             • Parler: ⁠⁠⁠http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Table with Anthony ONeal, we're exposing the truth your bank doesn't want you to know about debt. This isn't another “cut the coffee” or “just budget better” conversation, you've heard that. And while those tips aren't wrong, they're not the reason you're still stuck in debt.In this episode, you'll learn:The hidden ways debt keeps you trappedWhy banks profit off your confusionHow to take back control, starting todayMentioned On Today's Show:**This video is kindly sponsored by Ethos!**

- The absence of an Epstein client list, contradicting prior claims. - Reports on violent attacks against ICE agents in Texas, linking them to Democratic rhetoric. - The tragic Texas flood that killed 104 people, debunking claims that Trump or DOGE cuts caused the disaster. - Mamdani caught lying about his race to gain college admission. Today's podcast is sponsored by :     ETHOS LIFE INSURANCE: Protect your family with life insurance from Ethos. Get your free quote at ⁠⁠http://ethos.com/newsmax⁠⁠ Listen to Newsmax LIVE and see our entire podcast lineup at ⁠⁠http://Newsmax.com/Listen⁠⁠ Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at ⁠⁠http://NewsmaxPlus.com⁠⁠ Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : ⁠⁠http://nws.mx/shop⁠⁠ Follow NEWSMAX on Social Media:              • Facebook: ⁠⁠http://nws.mx/FB⁠⁠              • X/Twitter: ⁠⁠http://nws.mx/twitter⁠⁠             • Instagram: ⁠⁠http://nws.mx/IG⁠⁠             • YouTube: ⁠⁠https://youtube.com/NewsmaxTV⁠⁠             • Rumble: ⁠⁠https://rumble.com/c/NewsmaxTV⁠⁠             • TRUTH Social: ⁠⁠https://truthsocial.com/@NEWSMAX⁠⁠             • GETTR: ⁠⁠https://gettr.com/user/newsmax⁠⁠             • Threads: ⁠⁠http://threads.net/@NEWSMAX⁠⁠              • Telegram: ⁠⁠http://t.me/newsmax⁠⁠               •BlueSky: ⁠⁠https://bsky.app/profile/newsmax.com⁠⁠             • Parler: ⁠⁠http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Table with Anthony ONeal, we're diving into Money Personalities, because how you naturally think, feel, and behave with money could be the reason you're winning… or staying stuck. Understanding your money personality is the first step to building better habits, stronger relationships, and lasting wealth.In this episode, you'll learn:The 6 key money personality types and how they impact your financial decisionsHow to stop sabotaging your money based on emotion and start building smarter strategiesWhy knowing your money personality can transform how you budget, save, and investMentioned On Today's Show:**This show is sponsored and brought to you by Better Help & Ethos!**

Auburn head coach Hugh Freeze is receiving some backlash for "playing too much golf." We break down what is going on with Auburn and Alabama's football recruiting, and what we think you can expect this season. Ep.803 - - - Today's Sponsor: Good Ranchers - Visit https://goodranchers.com and subscribe to any box using code BOOSTER to claim $40 off + free meat for life! Ethos - Get your free quote at https://Ethos.com/BOOSTER BAERSkin Tactical Supply Co. - Text CRAIN to 36912 and get 60% off the best rain jacket on the market. - - - Privacy Policy: https://www.dailywire.com/privacy

- It has been one year since the debate that ended Joe Biden's presidency. - Alarm over the potential election of a controversial figure as New York City's mayor. - Critiquing the climate change agenda! Today's podcast is sponsored by :   INCOGNI - Take your personal data back with Incogni! Use code CALLAHAN at the following link and get 60% off an annual plan: ⁠⁠⁠⁠https://incogni.com/CALLAHAN⁠⁠⁠⁠   CB Distillery – Control your stress levels with CBD products and save 25% on your first order with promo code CALLAHAN at ⁠⁠⁠⁠http://CBDistillery.com⁠⁠⁠⁠   ETHOS LIFE INSURANCE: Protect your family with life insurance from Ethos. Get your free quote at ⁠⁠⁠⁠http://ethos.com/newsmax⁠⁠⁠⁠ Listen to Newsmax LIVE and see our entire podcast lineup at ⁠⁠⁠⁠http://Newsmax.com/Listen⁠⁠⁠⁠ Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at ⁠⁠⁠⁠http://NewsmaxPlus.com⁠⁠⁠⁠ Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : ⁠⁠⁠⁠http://nws.mx/shop⁠⁠⁠⁠ Follow NEWSMAX on Social Media:              • Facebook: ⁠⁠⁠⁠http://nws.mx/FB⁠⁠⁠⁠              • X/Twitter: ⁠⁠⁠⁠http://nws.mx/twitter⁠⁠⁠⁠             • Instagram: ⁠⁠⁠⁠http://nws.mx/IG⁠⁠⁠⁠             • YouTube: ⁠⁠⁠⁠https://youtube.com/NewsmaxTV⁠⁠⁠⁠             • Rumble: ⁠⁠⁠⁠https://rumble.com/c/NewsmaxTV⁠⁠⁠⁠             • TRUTH Social: ⁠⁠⁠⁠https://truthsocial.com/@NEWSMAX⁠⁠⁠⁠             • GETTR: ⁠⁠⁠⁠https://gettr.com/user/newsmax⁠⁠⁠⁠             • Threads: ⁠⁠⁠⁠http://threads.net/@NEWSMAX⁠⁠⁠⁠              • Telegram: ⁠⁠⁠⁠http://t.me/newsmax⁠⁠⁠⁠               •BlueSky: ⁠⁠⁠⁠https://bsky.app/profile/newsmax.com⁠⁠⁠⁠             • Parler: ⁠⁠⁠⁠http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices

In a massive legal victory for conservatives, the Supreme Court upholds Tennessee's ban on transgender medical procedures for minors, Trump ramps up the pressure on Iran to surrender and the deportation of illegal immigrants continues while Democrats seek arrest. Get the facts first with Morning Wire. Balance of Nature: Go to https://balanceofnature.com and use promo code WIRE for 35% off your first order as a preferred customer PLUS get a free bottle of Fiber and Spice. Ethos: Get your free quote at https://Ethos.com/WIRE - - - Privacy Policy: https://www.dailywire.com/privacy