Podcasts about everything you always wanted

In deze aflevering praat ik bij met Owen Lichtenberg over de situatie Rusland vs Oekraïne en hoe het toch kan dat dit conflict niet alleen letterlijk in loopgraven wordt uitgevochten, maar ook in de digitale werkelijkheid alleen in de twee loopgraven van de cultuuroorlog lijkt te kunnen worden bezien...Audio nabewerking: Jasper Cremers Mecenas Patreon / sponsors : Josha Sietsma, Sietske's Pottery, Cartoon BoxSteun Open Geesten / Zomergeesten / Boze Geesten Podcast

Does your City recycle? Conserve water? Congratulations! You're engaging in Sustainability in its most common form. This edition of COMMCAST welcomes noted author and sustainability expert, Anna Clark, to talk about what "sustainability" really means and how you can undertake communicating it effectively.

Does your City recycle? Conserve water? Congratulations! You're engaging in Sustainability in its most common form. This edition of COMMCAST welcomes noted author and sustainability expert, Anna Clark, to talk about what "sustainability" really means and how you can undertake communicating it effectively.

Our celebration of Masturbation Month continues with questions from listeners who want to know about our Mistress masturbation. Yes, your lovely Femdom hosts thoroughly enjoy self-love all the time, not just in Masturbation May. Duh! In this episode we answer questions like:What are your favorite topics or themes you get off to?        Dominating men? Women? Straight sex? Prior hot encounters? Switching?FOLLOW UP to that question: Is there anything new and exciting that gets you going these days that's different from the usual?Do you ever fantasize/think about members of the Enchantrix Empire, Mistresses or subs? Do you ever masturbate thinking about famous people? What media, if any - do you prefer? Porn? Audio Porn? Books or erotica? Still images or thoughts and the throbbing buzz of a toy?   What's your favorite way to enjoy yourself when you have unlimited time? Setting? How about when you need to rub out a quickie? Do you ever like to be watched or listened to while masturbating - could be face-to-face or long distance?When do you get the urge the most to masturbate?Does Ms. Olivia ever masturbate while watching baseball?How frequently do you masturbate? Did you ever limit or test yourself? Female edging? Number of consecutive orgasms?Or maybe it works completely differently? Squirting experience? Ever got caught?What or who do you think of most frequently/regularly, like a famous person, significant other, sexual activity / something different every time?Favorite place to masturbate? You'll hear personal stories, lots of laughter and surprises galore!Our free adult social networking site: Enchantrix EmpireHow to get a private session with your sexy Femdom podcast hosts.Mistress Olivia's blog: Experienced MistressMistress Erika's blog: Intelligent Phone Fantasy

Last week, we went through a 101 of globalisation: the first principles, why it rocks, why tariffs are terrible. We also did a potted history of how it spread and almost unravelled. Now, it's time to come to these current times.Is globalisation doomed?Welcome to Episode 96 of Everything is Everything, a weekly podcast hosted by Amit Varma and Ajay Shah.In this episode, Ajay brings the narrative up to the present times. What GATT and the WTO achieved, why they weren't enough, where the fault lines lie, the problem of China, and the damage the Trump tariffs can cause.TABLE OF CONTENTS: 00:00 Packaging00:13 Intro: The Need for a 10102:43 Chapter 1: The Aftermath of Smoot-Hawley10:34 Chapter 2: Everything You Always Wanted to Know About GATT (But Were Afraid to Ask)20:28 Chapter 3: Some Wrinkles to Consider55:43 Chapter 4: The Trumpist Arguments1:05:41 Chapter 5: The Trump Tariffs1:14:54 Chapter 6: What Next?1:18:11 Chapter 7: India's Opportunity1:25:29 Chapter 8: RecommendationsFor magnificent, detailed, juicy show notes, ⁠⁠click here⁠⁠.

Tenshin Roshi talks about the koan system used in the White Plum Asanga.

01-25-25See omnystudio.com/listener for privacy information.

The whimsical title of this blog post is based on the 1969 book by David Reuben entitled Everything You Always Wanted to Know about Sex* (*But Were Afraid to Ask). I chose the title because although the Church has its own teaching about sexuality, many young Orthodox Christians are afraid to inquire diligently about it for fear the Church will give unwelcome advice. Which of course it will.

Are you ready for an entertainment experience more invasive than Feel-Around? More devastating than bespoke porn? More transcendent than live organ transplants? Marty and Scott return to the omniverse of film with four sketch comedy anthologies. That's, like, 60 movies for the prize of... well, it's all free!Sketchy flicks we excoriate:Everything You Always Wanted to Know About Sex * But Were Afraid to Ask (1972, Dir. Woody Allen) at 2:00Kentucky Fried Movie (1977, Dir. John Landis) at 19:00Monty Python's The Meaning of Life (1983, Dir. Terry Jones) at 34:20Amazon Women on the Moon (1987, Dir. Joe Dante, Carl Gottlieb, Peter Horton) at 47:50Followed by a bajillion omniverse connections, and a lightning round that will send your afro flying in all directions!Follow us on Spotify, Apple Podcasts, Google Podcasts, or Amazon Music.Visit us at slackandslashpod.comEmail us at slackandslash@gmail.com

Ep #296 - Hope in the Uncertainty - An Interview with Medium, Hollister Rand  I am so excited to share this fun and insightful conversation of Empowering Chats with my guest Hollister Rand. All of my circuits are lit up. Hollister is a medium and the author of, "Everything You Always Wanted to Know About the Afterlife but were Afraid to Ask.” In this chat, Hollister and I dive into interesting topics and this new state of awareness of how we live, not only here but in the afterlife.  I received Hollister's book as a gift from one of my students and after reading it I knew I had to have her on Empowering Chats. She describes the difference between Mediums and Psychics as follows: Mediums and Psychics can often get the same kinds of information but the source is different. Psychics get their information from people, places and things here on this earth plan. Whereas Mediums connect with spirits, spirit guides, angels, pets and those that have passed on to the other side. Hollister believes that more of our ancestors are making themselves known to people now because we are reaching out more and doing the ask. And having organizations like Ancestry.com and 23 and Me gives us the tools we need to reach out. And for this reason, Hollister believes tribes and more ancestors are showing up in the spirit world and making themselves known to loved ones on earth's plane. Hollister also shares that when you are aligned with spirit you don't have to figure out your life. The strategy for your life changes. Her direct quote is to “Live in confidence of the next step.” It's not about knowing it's about having the confidence to take the next step. Hope lies in the uncertainty. This is a direct message that Hollister received from spirit.  This is where the best can happen by allowing the possibilities to present themselves and not limiting ourselves by our own self-doubt. Hollister calls this place of all possibilities “The Place of No Fragments.” And I'd like to share a quote from her book that supports the place of no fragments: “A place where everything fits together, where it all makes sense, where we not only see the big picture but are also an integral part of it. Sounds as though this oneness is what spirits want to share with us. One puzzle piece at a time.” Ultimately Hollister feels that love is the answer. We have heard it so many times. And this is a love that we are only beginning to understand, the love of self. Because only from that spring of self-love can we spread love to everyone else on this planet. To learn more about Hollister Rand visit: HollisterRand.com To purchase her book on Amazon, Everything You Always Wanted to Know About the Afterlife visit: https://a.co/d/9lgNwRl To help you get in touch with your Spirit Guides I invite you to listen to my guided meditation entitled, “Meeting Your Spirit Guides” by following this link: InsightTimer.com/SusanBurrell/guided-meditations/meeting-your-spirit-guide To learn more about how I show up in the world please visit: SusanBurrell.com

One of the most exciting and revolutionary topics in health right now is also one of the least sexy: gut microbiome. So, in this final part of the Nutrition 101 series, we'll be talking about ways to improve gut health and reap the rewards of a flourishing microbiome without expensive supplements. Listen Now! 

Sometimes the strongest food cravings hit when you're at your weakest point emotionally. In part 3 of this nutrition series, Ted will be talking about how emotional eating can sabotage your weight-loss efforts, and give you strategies to get control of your eating habits. Listen Now!

Everything You Always Wanted To Know About The Godfather (But Don't Ask)By The Crazy Gang.This performance was recorded with a live audience on May 11, 1972.

Unless you've been living in a cave, you've probably been bombarded with news about “superfoods” and “functional foods”. You might be wondering how can I fit “healthy” in my busy life? In this Part 2 episode of the Nutrition 101 series, Ted will teach you how to set your body up for many decades ahead. Listen now! 

We all want to eat healthier and see real results, but with so much conflicting advice out there, it's tough to know what really works. That's why Ted decided to launch this nutrition series. It's designed to answer your burning nutrition questions, clear up the confusion, and help you finally build a nutrition plan that delivers results.  Listen now! 

This week's show is with Be Mythical co-founders, Lian Brook-Tyler and Jonathan Wilkinson. In this conversation, a special 10-year episode of the podcast, Lian and Jonathan reflect on their journey, including the deep unfolding of the show itself, and answer listener questions posed to each of them. They discuss the organic and spontaneous nature of starting the podcast and the importance of trusting their intuition, the dedication and vision it has taken to be consistent over so many years. The personal and thought-provoking questions they asked and answered were: If you had to drop all your different practices and only keep one - what would it be and why? Looking back on the past 10 years, what are you most proud of? And is there anything you regret or would like to have done differently? If you could give one piece of guidance to a young man who is struggling with life, what would it be? What is something about you that you've rarely or never spoken about publicly before that you feel ready to speak about now? If you could go back in time 10 years ago and tell yourself something at the outset of this podcasting journey what would that be? If you could whisper into everyone's ear in the world at the same time in whatever their language is what would that be? What was the most powerful experience of your life? Where is the most magical place you have been? If you were trapped on a desert island what one item, spiritual or not, would you bring? In responding to these questions, Jonathan and Lian talked about the power of vision quests and the impact they can have on personal growth and maturity, the concept of mirrors and how they can provide deep self-reflection, finding beauty in suffering, and the magic of the English land. The conversation concludes with a powerful message of love and self-discovery. We'd love to know what YOU think about this week's show. Let's carry on the conversation… please leave a comment wherever you are listening or in any of our other spaces to engage. What you'll learn from this episode: Looking back on the reason the podcast began shows the importance of trusting intuition and following the organic and spontaneous nudges that show up along the way. Many of their answers came back to the importance of self-discovery and the different ways we can walk the path of knowing thyself And now a question for you, the listener, imagine if you could be transported in time to a decade into the future and take a look at your future self, living your own soul's truth… What would you see? And what does that require of you now? Resources and stuff that we spoke about: Join UNIO, the Academy of Sacred Union. This is for the old souls in this new world… Discover your kin & unite with your soul's calling to truly live your myth. Be Mythical Join our mailing list for soul stirring goodness: https://www.bemythical.com/moonly UNIO: The Academy of Sacred Union: Discover your kin & unite with your soul's calling to truly live your myth Go Deeper: https://www.bemythical.com/godeeper Follow us: Facebook Instagram TikTok YouTube Thank you for listening! There's a fresh episode released each week here and on most podcast platforms - and video too on YouTube - if you subscribe then you'll get each new episode delivered to your device every week automagically (that way you'll never miss an episode).  

In the aftermath of Donald Trump's felony conviction for fraud, his followers scrambled to be first to reaffirm their fealty to the twice-impeached Republican. But for some reason, Trump's new status as a convict also was accompanied by a resurgence of stories about another right-wing figure—Elon Musk—and their warming relationship.  Bloomberg has reported on how Musk is advising the presumptive GOP presidential candidate on all things crypto (maybe Dogecoin?), and the Wall Street Journal has related details about their time together in Florida—as well as the Tesla chief executive's potential role in a second Trump administration. Bloomberg's national politics correspondent Nancy Cook joins Max Chafkin and Kurt Wagner to talk about all of this. Also, the panel looked at some recent legal issues. See omnystudio.com/listener for privacy information.

Here to answer the questions you always wanted to ask is Esther Gallagher, long-time birth and postpartum doula.Top questions on this episode include:Are Doulas Worth It? How Much Do they Cost and how do I get the service paid for?Can doulas bill my insurance / is it covered?What about workplace incentives like Carrot and Hello Cleo?Do doulas charge differently for virtual support?What about Medicaid paying for doulas?I'm someone who has had past trauma and I need special kind of support from my doula. Can they help? What is Trauma Informed Care?In terms of advocacy, can you advocate with more than my medical team? Can [you/doula] speak with my [partner, parents, therapist, dr…..]Links and resources: fourthtrimesterpodcast.com (all resources below can be found here)Learn more Doula Medicaid Project | Birth Doula 101 | What To Expect From A Postpartum Doula | The Dos & Don'ts Of Being A Respectful & HELPFUL Visitor To A New Parent | Knowledge is Power: Safer Childbirth Advice from Birth Trauma Attorney Gina MundyRecommended Mindfulness Childbirth and Parenting Courses | Somatic Experiencing

*Or maybe Greg was afraid to ask....or was he just intrigued? Certainly curious.The dark feminine energy is rampant in this episode and it'll draw you in, make you feel electric from head to toe, and you'll wake up from this sacred erotic trance podcast conversation with a much deeper appreciation for the divinity in hedonism (and in yourself).Moon-Rose Magick is a tantric, shamanic goddess, eros, lover, mistress, priestess, speaker, teacher, performer, healer, facilitator, host, awakener, creative and erotic artist.......we promise this is much less lame than Burning Man.Moon-Rose Magick joins Greg to talk the taboo, Illuminati rituals, kink, devotion, mastery, alchemy, eroticism and how it all intertwines with the spiritual realm as a pathway towards personal transformation.No, this isn't just an invitation for you and your husband to stare each other in the eyes again for a very uncomfortable period of time. It's a conversation of play, tapping into Jungian shadows and archetypal depths through sensuality, exploration, and the human connection.Ready to navigate the intricate relationship between the sacred and the profane? Between the sensual and spiritual? Between the naughty, the nice, and lots of other toys that hopefully aren't on Santa Claus's request list?Love yourself.Treat yourself.Play with...your headphones.It's Open Loops. Moon-Rose's Links: https://linktr.ee/moonrose.magick   Let Greg know how you like the show. Write your review, soliloquy, Haiku or whatever twisted thoughts you want to share at https://ratethispodcast.com/openloops

In this episode, we dive into Dr Reuben's 1969 bestseller, Everything You Always Wanted to Know (But Were Afraid to Ask).   Until next time...   The Deeply Disturbing Things podcast discusses a wide range of topics, including suicide, rape, and child abuse. If you are struggling with these themes, this may not be the podcast for you. The content of the Deeply Disturbing Things podcast is intended for entertainment purposes only and is not intended or considered to be professional advice.    Support our podcast on Patreon and get access to exclusive content!   https://patreon.com/DeeplyDisturbingThingsPodcast?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link   Follow us wherever you listen to podcasts! https://www.instagram.com/deeplydisturbingthingspodcast/?hl=en https://www.facebook.com/deeplydisturbingthings/

*Not really EVERYTHING but it sure made you look! Disclaimer: Any views or opinions presented in this podcast are personal and belong to the content creator. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company or individual. Disclaimer: The passage of Scripture read out loud in the beginning of each podcast episode will be in Hebrew followed by the direct translation in English from the Complete Jewish Study Bible. Come listen to something different. Welcome Honduras!

Rethinking Hell contributors William Tanksley and Darren Clark interview J. Webb Mealy about his book, The Bad Place. In this part 1 of their discussion, Mealy summarizes the chapters of his book and then outlines his five principles of interpreting the Book of Revelation. Links: J. Webb Mealy's book The Bad Place: Or, Everything You Always Wanted to Know About Hell, but Were Afraid to Ask, on Amazon: https://www.amazon.com/Bad-Place-Everything-always-wanted-ebook/dp/B09NKJ2XNB/ Mealy's Amazon author's page: https://www.amazon.com/stores/J.-Webb-Mealy/author/B00J8VOI4G Mealy's presentation, "In Christ All Will Be Made Alive: Jesus Ransom Every Human Being from Death," given at the sixth annual Rethinking Hell Conference: https://www.youtube.com/watch?v=-Z1dWx4tLSs Mealy's presentation, "Five Principles for Determining Literalness in the Book of Revelation," given at the eighth annual Rethinking Hell Conference: https://www.youtube.com/watch?v=1kcNYx7aESs  

The Government's landmark auto-enrolment scheme for pensions has moved closer to being a reality with the Department of Social Protection now saying that the process of finding a company to build and run the system will begin in earnest.But after years of delay and missed deadlines, will the scheme be up and running by the second half of 2024? What will the impact be for SMEs across the country? And is this a major step towards eventually eradicating the State pension?To tease out the details of the scheme, host Ciarán Hancock is joined on the podcast by CEO of the Irish Association of Pension Funds, Jerry Moriarty, and Barra Roantree, Assistant Professor & Programme Director of MSc in Economic Policy at Trinity College Dublin.Produced by John Casey, with JJ Vernon on sound. Hosted on Acast. See acast.com/privacy for more information.

A Fresh Story, season 5, episode 1 We're so excited about Season 5 of A Fresh Story: Women's Voices Making Change! On this sister episode, we introduce Season 5 and what's to come. We chat about our new Ambitious Woman: Female Founder Networking Group, and chat about our own journey in the world of Venture Capital. We discussed why we're so excited to introduce the world to these 11 women making change in the world with their voice this season, and what's coming on on Season 6 of A Fresh Story in January (Season 6 is “Everything You Always Wanted to Know About Divorce But Were Afraid to Ask”). So, without further adieu, please remember to rate, review, and certainly subscribe to this season of A Fresh Story so you can hear from the below women! Take a quick listen to this episode to hear more about them and why we're so excited to share these conversations. Lindsay White, founder of The Little Milk Bar Cole Kazdin, author of What's Eating Us? Amanda Montei, author of Touched Out: Motherhood, Misogyny, Consent, and Control Nikki Pebbles, founder of RYB Fitness Liz Brunner, founder of Brunner Communications Rebecca Lee, podcast host, artist, actress, writer Minna Dubin, author of Mom Rage Jane Kramer, singer-songwriter Kathryn Janicek, 3x Emmy Winner and Entrepreneur Becca Murray, Body-Positive Photographer and Creator Ella Dawson, author of the upcoming novel But How Are You, Really? Interested in attending our Ambitious Woman: Female Founder Networking Call? Click here for more info!

THE sex manual of 1969 (yeah baby) is also one of the all time best selling books EVER in America. Yeah, if you were breathing in 1969, odds are: YOU READ THIS BOOK. But is it a radical, liberal education on "fun sex" or a truly disturbing attack on women, aging, and homosexuality that you cannot even FIND in libraries today?We have award-winning podcast host and best-selling author DAN SAVAGE (instagram.com/dansavage/?hl=en) on the cast to help us find out. Spoiler: We find out VERY quickly. Kind of like, page two...This is a great one, so tune in! And check out Dan's podcast and column!https://savage.love/lovecast/https://savage.love/savagelove/Mean Book Club is four ladies (UCB, BuzzFeed, College Humor, Impractical Jokers) who read, discuss and whine about NYT bestselling books that have questionable literary merit. It's fun. It's cathartic. It's perfect for your commute. New podcast (almost) every Tuesday! Here's the Season 16 reading list:Red, White & Royal Blue by Casey McQuistonThe Book Woman of Troublesome Creek by Kim Michele RichardsonRomantic Comedy by Curtis SittenfeldRun Rose Run by James Patterson and Dolly PartonEverything You Always Wanted to Know About Sex by David ReubenThe House in the Cerulean Sea by TJ KluneSupermarket by LogicBrooklyn by Colm ToibinSend any future book suggestions to meanbookclub@gmail.com! Follow us on the socials @meanbookclub! Rate, like, subscribe, and check out our Patreon page at patreon.com/meanbookclub to become a true patron of the mean arts. CREDITS: Hosted by Sarah Burton, Clara Morris, Johnna Scrabis, & Sabrina B. Jordan. This episode was produced and edited by Johnna Scrabis. Special thanks to FSM Team for our theme song, "Parkour Introvert." You can get it here: https://www.free-stock-music.com

From healthcare technologies to cybersecurity through renewable energies: when it comes to investment, Carlos Espinal, author of "A Field guide to Fundraising", has it covered. As well as being smart and hard-working, Carlos is an outstanding team member and mentor. He is the one person company founders call for advice. His goal-oriented mindset and extensive venture capital experience led him to write a book to help entrepreneurs raise funds, which he continually updates as the market evolves. Every day at SeedCamp, where he has been a VC partner for the past six years, he embodies this human-centered, community-focused mindset when it comes to choosing a company to invest in. And it certainly seems to be working. SeedCamp has made over 470 investments since its creation in 2007. Today, it is leading its sixth round of seed investments, distributing between 500,000 and 1 million euros, sometimes more, for a 5-8% share. In this episode, Carlos not only gives us a masterclass on fundraising, he also shares an inspiring vision of his role as an investor. Spoiler: this episode may contain an embarrassing amount of beatboxing and ASMR. Carlos and I also talked about: His book, A Field Guide to Fundraising. His journey from Honduras to the UK How he set up WiFi on the first floor of Wall Street AI, health, the climate crisis and cybersecurity The creator economy TIMELINE : 00:00:00 - Some beatboxing and discussion of tech trends 00:08:58 - Carlos Espinal's career in a nutshell 00:44:06 - How SeedCamp operates 01:01:55 - Intuition, expectations, reality: building the right mindset for raising 01:43:06 - Artificial Intelligence 02:12:28 - The Creator Economy 02:27:27 - Cybersecurity 02:29:38 - Carlos' lowest point 02:33:55 - Where to keep in touch with Carlos 02:35:44 - Carlos' favorite books 02:39:10 - A word for young Carlos still living in Venezuela Carlos and I quoted several old GDIY episodes: #344 - Robert Plomin #158 Edgar Grospiron #228 Nicola Julia #74 Romain Raffard #305 Paul Mouginot Carlos and I talked about : SeedCamp Carlos Espinal's Fundraising Field Guide (latest ed. coming out end of 2023) Carlos recommends you read : 3 books about our civilization's challenges Ha Joon Chang's 23 Things They Don't Tell You About Capitalism Yuval Noah Harari‘s Sapiens Ray Dario's Principles And 2 to survive them Marcus Aurelius' Meditations Ryan Holiday's The Daily Stoic If you enjoyed this episode, leave a comment on our LinkedIn or Instagram posts. If you'd like to share this episode, tag a friend. How do you like the theme music? We owe it all to Morgan Prudhomme! Contact him at: https://studio-module.com. You want to sponsor Génération Do It Yourself or suggest a partnership? Contact my label Orso Media via this form. You can contact Carlos on Linkedin, follow him on Twitter, listen to him on the SeedCamp podcast This Much I Know, and read his works on carlosespinal.com

Part 1 of our interview with Russell Sbriglia on his book Everything You Always Wanted to Know about Literature but Were Afraid to Ask Žižek. We're talking Lacanian psychoanalysis as a way to interpret literature, Žižek's bad taste in novels, toilets, the object from inner space, why Beckett is better than Joyce, and what Tony Soprano's major was. Join our ⁠Patreon⁠ for extra episodes, and the back catalogue of dozens of extra episodes. Buy Russell's book here!

"You've now seen one, then you do one, and then after a year of being President, you get to teach one." Past President Miriam Patanian answers everything you always wanted to know about how UUMAN is governed but were (maybe!) afraid to ask. She also shares how she came to "find our tribe" here in Georgia, why she felt called to this three year tour of duty, and what it how it was to be "unchurched" as an adult, after some years of being "Christmas and Easter-type Catholics." And, of course, some thoughts on how her experience with the Our Whole Lives program shapes her vision of the future for what we call "sex education" in the public sphere. Were her kids' experience with GA Public Schools' attempts to educate about sexual health quite as cringeworthy-slash-ignorant as one might imagine? Sorry, no spoilers here, you'll have to listen to find out. Intro and outro background music by Tim Moor at Pixabay. UUMAN is a welcoming congregation and we thank you for taking the time to get to know us a bit better. You can learn more about us by visiting our website at www.UUMAN.org Unitarian Universalism is a religion based on seven moral principles which promote the inherent worth of all people and each individual's search for truth and meaning. Learn more at uua.org UUMAN is a 501(c)3 organization under the Internal Revenue Code. Your contribution is deductible to the full extent provided by law. https://www.uuman.org/donate/ UUMAN - Unitarian Universalist Metro Atlanta North 11420 Crabapple Rd, Roswell, GA 30075 (770) 992-3949 YouTube https://www.youtube.com/channel/UCcRwJlKGVhksTvxKeCXhxeQ Facebook https://www.facebook.com/UUMAN.ATL Instagram https://www.instagram.com/uuman_atl/ https://twitter.com/UUMAN_ATL #UUMAN #Unitarian #Universalist #Universalism #UU

Ever wished for a way to bring your D&D adventures online? We've scoured the realms of technology and are excited to share our favorite platforms and tools, such as Roll20 and DM Helper, that have transformed our online campaigns into thrilling adventures. We've discovered that digital dice rolling and virtual maps can create a unique camaraderie, similar to face-to-face gaming sessions. Imagine being able to craft your dream character, with the perfect blend of race, class, and backstory. We're here to guide you through the labyrinth of character creation, shedding light on everything from official source books to user-generated content. We'll also discuss how to adjust encounters based on your party's size and skill level, ensuring your adventures are challenging, but not impossible. Remember, a well-rounded party and consultation with your Dungeon Master are key elements to creating the perfect character!But D&D isn't only about the game mechanics and character stats. It's about the emotional journey, the shared stories, the camaraderie, and the all-encompassing joy of playing. We'll touch on the profound experience of character death, and how DMs can help players navigate through this emotional terrain, allowing them to continue the adventure with fresh characters or even taking on the roles of NPCs. We'll delve into the social implications of D&D, exploring why people are drawn to the game and how it brings different people together. So, adventurers, ready your gear and join us for this unforgettable journey through the realms of Dungeons and Dragons! Support the show1. Visit our website! www.legendslootandlore.com2. Support the Podcast! Help us do what we love and bring you more great D&D content. legendslootandlore.supercast.com3. Follow us on social!InstagramFacebookTikTok4. Join our Discord Server!Music by June WestfieldApple MusicSpotifyLogo design by Ryan Denorahttps://www.ryandenora.com/

Have you ever been intrigued by the fascinating world of Dungeons and Dragons (D&D)? Do you crave the thrill of a choose-your-own-adventure game where your creativity determines your character's fate? Welcome to our latest episode of Legends, Loot, and Lore where we untangle the complexities of D&D and guide you on your journey into this fantastical realm. We explore the role of the dice rolls and how they inject unpredictability into the game, creating a unique landscape of opportunities and challenges.Here's a tantalizing teaser for all you dice enthusiasts out there - ever heard of the "dice goblin effect"? Trust us, once you get a taste of dice collecting, it becomes a thrilling, addictive hobby. We delve into the myriad of dice options, from the allure of sea glass to the sparkle of Cubic Zirconia sets. We also share personal memories associated with our favorite dice, revealing how they have shaped our gaming experiences.Finally, we help you take your first steps in the world of D&D. Whether you're a total newcomer or a seasoned player in need of a refresher, we've got you covered. We discuss key skills, including the vital role of the Dungeon Master and the invaluable Player's Handbook. We also explore the world of solo play and introduce D&D Beyond, an essential tool for beginners. So, don't be afraid to roll the dice and start your own adventure! Tune in to our episode and immerse yourself in the captivating world of D&D.Links:Legends, Loot, & Lore DiscordD&D BeyondDungeon Masters GuildSea Foam Lagoon Sea Glass Dice Set - Dice Dungeons ($65)Cubic Zirconia Dice Set with Display Box - Dice Dungeons ($350)Polyhedral Dice - Amazon (various prices) Support the show1. Visit our website! www.legendslootandlore.com2. Support the Podcast! Help us do what we love and bring you more great D&D content. legendslootandlore.supercast.com3. Follow us on social!InstagramFacebookTikTok4. Join our Discord Server!Music by June WestfieldApple MusicSpotifyLogo design by Ryan Denorahttps://www.ryandenora.com/

Texas senators met yesterday to talk about two divisive issues: property taxes and the impeachment trial of suspended Attorney General Ken Paxton. So where do things stand? Can Texas’ power grid withstand the heat? We’ll get detailed on supply and demand. A new book from journalist Dan Solomon, ‘The Fight for Midnight,’ reimagines Wendy Davis' […] The post Everything you always wanted to know about the Texas energy grid appeared first on KUT & KUTX Studios -- Podcasts.

⁠Get early access, exclusive content, and so much more "It's one of the worst movies I've ever seen in my entire life" - Austin Lugo Show Notes In this podcast episode, Andrew and Austin discuss their recent movie-watching experiences, including Star Trek and their use of MoviePass. They also review the new film "Beau Is Afraid" by Ari Aster, with Austin giving a positive review of the film.  The conversation then shifts to their disappointment with the current state of movies, with both expressing their frustration with the lack of good movies in theaters and on streaming platforms.  They also discuss Woody Allen movies, the movie "Rumor Has It," and the TV show "Beef." The episode ends with a discussion of Seinfeld and the importance of creating original content for smaller audiences. Things We Talked About Armageddon: 00:17:44 Michael Clayton: 00:17:44 The Insider: 00:18:31 The Great (Hulu show): 00:22:31 Renfield: 00:21:00 and 00:24:13 John Wick 3 and 4: 00:21:17 Woody Allen movies:   Annie Hall: 00:25:49   Bananas: 00:25:49   Everything You Always Wanted to Know About Sex: 00:25:49   Love and Death: 00:26:11   Stardust Memories: 00:26:52 Letterbox: 00:35:10, 00:38:38, 00:39:55, 00:41:48 "Nothing But Trouble": 00:35:10-00:38:38 "Beef" TV show: 00:39:55-00:43:23 Netflix: 00:39:55-00:43:23 Dan Akroyd: 00:37:47 Larry King: 00:37:47 Ali Wong: 00:40:47 Steven Yun: 00:40:47 Time Stamps Transcript

Stonehenge is Tony's favourite piece of archaeology – he's had so many adventures there over his long and varied career digging up history, so the second of two Cunningcast launch episodes is all about Stonehenge.Around 5,000 years ago, ancient people began construction on this Neolithic monument and Stonehenge has been a mystery ever since - the big questions of why did they do it and how still leave us guessing. Whoever built it left no written record and few clues for us to piece together, but clues there are. In this episode, Tony is inviting some old friends onto the podcast - fellow Time Team presenter Raksha Dave, Professor Mike Parker Pearson and archaeologist Alison Sheriden - to find out more about the world's most famous stone circle, which never stops surprising us. Hosted by Tony Robinson @Tony_Robinson Featuring:Raksha Dave @Raksha_DigsField Archaeologist, Public Archaeologist and Broadcaster, recently appointed as President of the Council for British Archaeology London. Raksha's experience spans prehistoric times to the Second World War with primetime documentaries and series on BBC, Channel 5 and Channel 4. Mike Parker PearsonProfessor of British Later Prehistory, University College London. Mike specialises in British and European prehistory from the Neolithic to the Iron Age; Stonehenge and the British Neolithic; the Beaker people of Bronze Age Europe; the archaeology of the Western Isles (Outer Hebrides); the archaeology of Madagascar and the Indian Ocean; the archaeology of death and burial; public archaeology and heritage. Dr. Alison SheridenResearch Associate, Department of Scottish History and Archaeology, NMS; Honorary Research Fellow in Archaeology, University of Edinburgh; Vice President, Archaeology Scotland.CreditsSeries Producer: Melissa FitzGerald Exec Producer: Dominic de TervilleCover Art: The Brightside A Zinc Media Group production Follow:Twitter: @cunningcastpodInstagram: @cunningcastpodYouTube If you enjoyed my podcast, please leave us a rating or review.Thank you, Love Tony x Hosted on Acast. See acast.com/privacy for more information.

On this episode of The Author Factor Podcast  I am having a conversation with intellectual property attorney and author, Nick Guinn.Nick focuses his practice by advising clients on trademark issues and manages their trademark portfolios.He is the author of the short, helpful book, Everything You Always Wanted to Know About Trademarks: The Essential Guide For All Online Businesses, which I helped him published in the spring of 2022.Learn more about Nick by visiting NickGuinn.com.

Episode: 0026 Title:  Everything you always wanted to know about missing persons but were afraid to ask Release Date:  23rd of February  Podcast Writer: Paige Keningale  Theme Song: Wolf Moon- Unicorn Heads.  Voice overs: Dr Susanne Knabe-nicol aka the Police Science Dr Podcast Email: podcasts@acia.org.uk  Podcast Webpage: https://www.acia.org.uk/Podcasts ,  https://www.leapodcasts.com/  Podcast Social Media: Twitter: ACIA_org,  LinkedIn: Association of Crime and Intelligence Analysts (UK).  My name is Tanja Conway-Grim. I work in a variety of roles across the NHS, with police services and charities, especially in the field of autism, ADHD, neurodiversity, co-production, missing people, and suicide prevention. I sit on various strategic autism boards. I am a qualified trainer, a mentor for a clinical leadership programme for doctors as well as for The Girls Network. As a specialist coach I support neurodivergent people in the workplace. I am the Neurodiversity Lead for the charity Locate International. I have an HND (Dist) in Animal Science, BSc (Hons) Biological Sciences, and an MRes in Forensic Investigation. Developing training is one of the aspects I enjoy most in my work. I am on the autistic spectrum & have ADHD, and I have lived experience of going missing and growing up in care. In my free time, I enjoy spending time with my flock of rare breed, primitive sheep, and my many plants. During 36 years with the Police and then at CEOP and the National Crime Agency as the Manager for Missing and Abducted Children, Charlie Hedges has amassed a wealth of practical and theoretical experience, nationally and internationally and was also responsible for writing national guidance for the UK Police on missing persons and search procedures. Since 2015 he has operated independently as Charlie Hedges Advisory, continuing to work in the UK and other countries. His focus is on finding new and better ways to safeguard children and adults, then sharing and implementing the solutions. This has led to the creation of the Missing Persons Information Hub (MPIH), providing a link to all aspects of missing persons. 

What's a balance sheet and why is it important for a pest control company? On this episode, Dan and Donnie cover the components of a balance sheet, how it's different from a P&L, and smart ways to use a balance sheet in your business.    Hosts:  Dan Gordon, PCO Bookkeepers & M&A Specialists Donnie Shelton, Triangle Home Services   For detailed show notes and more information, visit PMPIndustryInsider.com or follow us on social media: YouTube.com/@pmpindustryinsiders Facebook.com/PMPIndustryInsiders LinkedIn.com/company/pmp-industry-insiders   Thank you to this episode's sponsor, Coalmarch by WorkWave!

Notice how our guests are always leaving to go get chicken fingers with Shakespeare? We wanted to know more! See omnystudio.com/listener for privacy information.

This week's show is Lian's All The Everything where she jams on an eclectic mix of topics, including questions from listeners. This is where you can get up close and personal with Lian, get inside her head and see what's she's up to and thinking about. The making of this show airs live in our Facebook group, usually on the first Thursday at 5pm (UK time) every month.  In this episode, Lian  dived deep into the topic: All The Everything You Always Wanted to Know About X* (But Were Afraid to Ask) Lian answered these questions: What is True Will and who/what chooses to be in or out of alignment with that Will? Why do some people have their desires realised and others don't? What's at play for someone repeating the same pattern over and over and over again that doesn't look to be in service to them or anyone else? Why might we have resistance to ritual and ceremony and what real difference does ritual and ceremony make in our lives and to living more fully and actualising our gifts? Resources and stuff that I spoke about: How to make offerings as a conversation with spirit with guest Jez Hughes A practical guide to a day in the life of the Feminine with Lian Brook-Tyler How we banish Fox Woman… and the price we all pay for doing so

Discussion with TSRA Executive Director - Dianna Greenwood on the topic of the origin and history of the Texas State Rifle AssociationSupport the show

Halloween is an odd event—very odd, in a way, because in its origins it was not evil; it was actually good. A number of you probably know that “Halloween” is “All Hallows Even”; in other words, All Hallows Eve—the evening before All Hallows. And “All Hallows” is All Saints day. And, originally, All Saints Day (November 1st) was the day when all the saints were honored. In other words, it's a time that the Church had set aside to honor those people who had lived exemplary lives, who had blessed others by their lives, and were considered saints by the Church at that time.October 31st, though, among non-Christian Celtic people, was a different matter altogether. It was the festival of Samhain. What you may not know is the fact it was also New Year's Eve in Celtic and Anglo-Saxon England at that time. It was actually the end of the old year and the beginning of the new. It took place in the autumn, as a matter of fact. It was an occasion for fire festivals, they lit huge bonfires on top of hills to frighten off the evil spirits, and also it was a time when laws and land tenures were renewed.It harkens back, in a way, to the Old Testament. You'll recall where, in the year of release, all the captives were released. People who have been enslaved because of having been a thief and caught and sold into slavery were turned loose, in the seventh year. That was always in the autumn, not in the spring. In that Jubilee year, all the land again went back to its original family owner—the one who received it by lot. Here they had, in the autumn, a time when all the laws and land tenures were renewed.In the Celtic religions, the dead were supposed to visit their homes on this night. As a consequence, you get the sinister aspects of the festival. And, of course, you had the Celtic Church right alongside of the Roman Church; and the gradual melding that took place in these things over time created something along the lines of Halloween. And though it really became in later times a secular holiday, at the same time it has also retained a lot of those sinister overtones.“Halloween was thought to be the most favorable time for divinations, for marriage, for health, for death, and for luck. And it was the only day when the help of the devil was invoked in such matters.” I think that is fascinating. For people who call themselves Christians—who are believers in Christ, people who try to serve God—you can almost see how it would be tempting, in certain circumstances (and I want to talk about that a little later), to get some guidance from that side of the spirit world.Halloween is a night of great evil. But really, it's a night of great evil only because the devil is invoked in some of the customs and some of the practices. If it were nothing but a harvest festival, it probably wouldn't amount to much. The question is: Is there really a devil, and are there demons in a spirit world that come out on Halloween or at other times? I recently received a letter from a long-time correspondent, and he had what I think is easily the most comprehensive set of questions about the spirit world and the paranormal that I have ever received in my life. I mean, to answer it would require me to write a book, “Everything You Always Wanted to Know About the Spirit World But Were Afraid To Ask”. And he gave me a really good list. He asked me about spirit sightings, dreams that come true, UFOs, abductions, strange lights, hauntings, healings, psychics, miracles that seem to have nothing to do with God and yet are miracles, and a whole long list. And he asked that, somewhere along the line, I would do a sermon or a tape or something on the subject. And so you owe this sermon today to my friend who wrote to me about this.

“Does Medicare cover assisted living?” is a common question Lori Williams gets as a senior living professional. Since Medicare functions as health insurance and doesn't cover senior living, she welcomes an expert back to the show to share what it does cover. You'll get a simple overview of the Medicare puzzle from June Kim, a community relations specialist with BlueCross BlueShield of Texas. With Medicare enrollment October 15 through December 7, it's a great time to learn - though it's always helpful to understand what you're getting into! She'll answer common questions like: ·What is Medicare Part A, B, C and D? · What's a Medicare supplement? What about Medicare Advantage? · I'm still employed - should I enroll in Medicare? · How much does it cost? · Where do I enroll? If you need to learn the basics of Medicare or just need a refresher, this is a great place to start. Plus, you'll also be aware of what changes are coming. Takeaways from this episode: -Enroll for Medicare Part A (hospital insurance) once you turn 65 - even if you're still employed. You've already paid into it, so it's free. -Only enroll in Part B when you're fully retired because your employer may already offer health insurance coverage. -You can't be on Medicare Part A and B (traditional Medicare) without a drug plan - Part D. -Medicare covers 80% of the costs, and you'll have to pay the last 20% out of pocket unless you have Medicare Supplement insurance. -Medicare Part C is an “all in one” plan run by private insurance companies. You wouldn't get Part A, B or D if you already have Medicare Advantage, nor could you get a supplement. -You must be reasonably healthy to qualify for a Medicare supplement, and costs vary according to lifestyle. The older you get, the more expensive it is. -Medicare Part C is like an HMO health insurance plan; whereas Medicare A and B are like a PPO. - If you have Medicare Part A, B and D, and supplement insurance, you can use your Medicare in all 50 states - any doctor and any hospital that takes Medicare, with little to no out-of-pocket expenses. -Choosing the plan for you comes down to many factors including network and resources. What's most important is that you understand the plan you choose. Resources mentioned in this episode: Medicare details about enrollment for 2023: *Note: Part B premiums may increase Open enrollment period is 10/15/22 - 12/7/22 New Plan is effective on 1/1/23 12. Medicare 101 https://www.loriwilliams-seniorservices.com/aging-in-style-podcast/episode/794eb1c8/012-medicare-101 For more information about plans and the brochure mentioned in this episode, please visit: www.Thinkbluetx.com https://static.wixstatic.com/media/2c62c2_5fdf7b18b96d45639040f7972bf54fc8~mv2.jpeg https://static.wixstatic.com/media/2c62c2_ea7e019a7a9a4becae1d3bbbe025e9a2~mv2.jpeg To contact June Kim: June_kim@bcbstx.com 214-783- 7901 For more detailed and up to date information please go to: www.medicare.gov Or call at 1-800-633-4227; available 24/7 And for social security: www.ssa.gov Enroll for Medicare with Social Security: 1-800-772-1213, Monday through Friday 7 a.m. - 7 p.m. To suggest a topic, be a guest or to support the podcast please email Lori@Loriwilliams-seniorservices.com For more senior resources and to sign up to the newsletter please visit: https://www.facebook.com/LoriWilliamsSeniorServices/ https://www.instagram.com/theloriwilliams/ https://www.linkedin.com/in/theloriwilliams/ https://loriwilliams-seniorservices.com/aging-in-style-podcast/ __ Topics discussed: -Navigating Medicare -Medicare Advantage -Medicare supplement insurance -Choosing the right Medicare plan -Medicare FAQs -Medicare enrollment

LS Power Senior Vice President Sharon Segner discusses the multibillion-dollar stakes involved in the arcane dispute before the Federal Energy Regulatory Commission over ROFR, or right of first refusal. FERC has proposed to allow incumbent monopoly utilities first crack at building the vast new network of transmission lines that must be constructed in order to transition to a clean-energy grid and economy. There would be no competing bids to determine if the utility build is the least-cost option, and under monopoly regulation the utility receives the full cost of the build, plus a generous rate of return. Then when the utility build goes grossly over budget, the monopoly utility goes back to the state regulatory commission for full cost recovery plus that generous rate of return. There's no opportunity for a competitive process to determine if the utility build  is the least-cost option.Or, as Segner notes, "What FERC has teed up here is, should the clean-energy transition be a clean-energy monopoly or should it be competitive?"Segner's company is the plaintiff in one of two conflicting U.S. appeals court rulings directly addressing the concept of ROFR under FERC regulation. LS Power was rebuffed by the 8th Circuit U.S. Court of Appeals in its constitutional challenge to ROFR in Minnesota. But utility giant NextEra Energy prevailed in its challenge to ROFR in Texas, where the 5th Circuit U.S. Court of Appeals strongly supported NextEra's and LS Power's assertion that such laws are unconstitutional due to a legal principle known as the Dormant Interstate Commerce clause. The conflicting court opinions would appear to make the issue ripe for appeal to the Supreme Court with its newly dominant conservative supermajority in place.We try to unpack it all for you.Support the show

Episode SummaryCannabis is booming. Whether for medicinal or recreational purposes, more and more US states have legalized the business. How did we get here and where are we going next? A conversation with cannabis insider Chris Walsh on regulation, public policy, market growth, and which established industries will be the first to enter the game.Sydney Finkelstein Syd Finkelstein is the Steven Roth Professor of Management at the Tuck School of Business at Dartmouth College. He holds a Master's degree from the London School of Economics and a Ph.D. from Columbia University. Professor Finkelstein has published 25 books and 90 articles, including the bestsellers Why Smart Executives Fail and Superbosses: How Exceptional Leaders Master the Flow of Talent, which LinkedIn Chairman Reid Hoffman calls the “leadership guide for the Networked Age.” He is also a Fellow of the Academy of Management, a consultant and speaker to leading companies around the world, and a top 25 on the Global Thinkers 50 list of top management gurus. Professor Finkelstein's research and consulting work often relies on in-depth and personal interviews with hundreds of people, an experience that led him to create and host his own podcast, The Sydcast, to uncover and share the stories of all sorts of fascinating people in business, sports, entertainment, politics, academia, and everyday life.Chris Walsh Chris served as the founding editor of Marijuana Business Daily during the company's launch in 2011, becoming the first journalist in the United States to focus exclusively on covering the business of cannabis. As CEO, he now guides the company's strategic vision and its sister publication – Hemp Industry Daily – while educating mainstream industries about the marijuana and hemp sectors. Chris has been quoted as one of America's foremost cannabis industry analysts by dozens of media outlets, including Harvard Business Review, NPR, CNBC, and the New York Times. He earned an MBA in international business from Regis University.Insights from this episode: How Chris got involved in the cannabis industryInsights into the cannabis industryThe evolution of the cannabis industryDifferences between the U.S and Canadian marketsThe biggest companies in the US marketDifferences in the growing and development of cannabisQuotes from the show:“When it comes to cannabis, every state in the US has done it (regulations) completely differently” —Chris Walsh [8:18]“For many years, when the industry first started to flourish 10/11 years ago, you couldn't really expand out of state, and you couldn't really expand outside your city. A lot of the companies were very locally based” —Chris Walsh [9:57]“That variety of mechanisms to grow and create a national footprint completely depends on ways to deal with the various state regulations” —Syd Finkelstein [12:22]“The U.S market is still growing and is growing rapidly. It actually hit records during COVID” —Chris Walsh [15:12]“This industry has professionalized because it's regulated. It's still very controversial the types of regulation, but it's professionalized now, and the latest wave is mainstream professionals coming into the industry” —Chris Walsh [20:49]“As an industry gets bigger, and certainly as it becomes more national and there are more choices for consumers, it's hard to figure out what the right one is. If a doctor is prescribing it, it's one thing, but if it is recreational, it's a whole another story” —Syd Finkelstein [25:38]“There is plenty of research that shows that in states that have legalized cannabis, opioid abuse has gone down” —Chris Walsh [38:18]“It has created hundreds of thousands of jobs. It creates business opportunities, it creates tax money, that if used effectively, can go to schools and roads, and we've seen that in many states, and can revive communities” —Chris Walsh [54:09]Stay connected:Sydney FinkelsteinWebsite: http://thesydcast.comLinkedIn: Sydney FinkelsteinTwitter: @sydfinkelsteinFacebook: The SydcastInstagram: The SydcastChris Walsh LinkedIn: Chris Walsh MJ Biz Twitter: MJBiz (@MJBizDaily) Subscribe to our podcast + download each episode on Stitcher, iTunes, and Spotify.This episode was produced and managed by Podcast Laundry.

You know the benefits of wise investing, but what about your friends? One way to introduce them to investing and help educate them is through an investment club. What exactly is involved in overseeing an investment club? And how do you go about creating one? In this podcast, Kim Lisa Taylor tells you how.Contact: emailSyndication Attorneys WebsiteInvestor Marketing Materials

September is Vikings month on Gone Medieval, as Dr. Cat Jarman presents a mini-series about her favourite, specialist subject. Over her next four episodes, Cat will be taking a deep dive into the Viking age, looking at how it all started, how it all ended, and the stories we tell about those people from the north in between.In this first episode, Cat addresses all of the burning questions about the Vikings that you sent in via Twitter, Instagram, Facebook and the Medieval Monday newsletter. Asking the questions are Gone Medieval's producers Elena and Rob.The Senior Producer on this episode was Elena Guthrie. It was edited and produced by Rob Weinberg. For more Gone Medieval content, subscribe to our Medieval Monday newsletter here.If you'd like to learn even more, we have hundreds of history documentaries, ad free podcasts and audiobooks at History Hit - subscribe today! To download, go to Android or Apple store. Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.

Robert Johnston was a Marine and that is where he honed his skills at waging war in the cyber dimension - and you better believe that is where a lot of warfare now happens, from Russia knocking out ATMs in neighboring countries through nation state hackers targeting financial institutions, both to fuel widespread anxiety and simply to plunder others' money.Johnston has a pedigree at this. He led the investigation into the Russian Intelligence Service breach of the Democratic National Committee in 2016 and before that he worked on the hack of the Joint Chiefs of Staff email in 2015. That is cyber war at its highest levels.Nowadays Johnston and Adlumin, the company he co-founded and where he serves as CEO, is an active player in helping credit unions in particular bolster their cyber security and that means dealing with everything from Denial of Service Attacks (DDos) through Ransomware, which is today's flavor of the moment. Along the way Johnston also works with helping credit unions stay compliant with cybersecurity requirements set out by the regulator and they are voluminous.It's a fast changing field and in this podcast Johnston gives a glimpse into its challenges and its excitement.Think of this podcast's subtitle as Everything You Always Wanted to Know About Cybersecurity But Were Afraid to Ask.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Having been in the financial services industry since 2000, I've noticed that almost all investment product companies (mutual funds, ETFs, stock market indices, variable annuities, closed-end funds, REITs) love to cite their “average annual rate of return” figures which always inflate what the particular investment actually returned to its investors. And it really bothers me. 2+2 always equals 4...except on Wall St. This problem isn't complicated nor is it really nuanced in any particular way,(as the investment industry would have you believe) it really comes down to basic math. Average annual return, as is always stated in investment literature, (marketing pieces, prospectuses, etc.) is simply a deliberate shell game meant to confuse your perception of the returns by stating simple arithmetic mean calculations when the only return that matters is the compound annual growth rate (CAGR). Now, I know it sounds like I'm splitting hairs here but hang with me through an example and you'll understand my beef. Example :  Let's say that Bill invests $100,000  into his investment account at J.T. Marlin (some of you may get the Boiler Room reference) and for the 1st year  his account grew by 25%  but the account  returned a negative 25% the second year. The stock market muppets would say your average return is 0%...and they'd be telling the truth…in the same vain that President Clinton swore he did not have sex with that woman. But they are clouding the truth with nonsense--because who cares what your average rate of return was? Year 1—   100,000 x     25% =    125,000 Year 2—  125,000 x (-25%) =    93,750 If Bill started with 100k and now at the end of year two his account is worth $93,750 his actual compound annual growth rate (cagr) was -6.25%. But didn't I prove in the example that his average annual rate of return was 0%? Then, how can Bill have less money than what he started with? Welcome to the wonderful world of investments and the Imagineers of Wall St. I actually found this little tidbit online when looking around to see what others were talking about in regard to CAGR. Investopedia.com says: “CAGR isn't the actual return in reality. It's an imaginary number that describes the rate at which an investment would have grown if it grew at a steady rate. You can think of CAGR as a way to smooth out the returns.” Honestly, I'm speechless. The Enron accountants have obviously taken up residence on Wall Street and are firmly rooted in content publishing for the financial media. I beg to differ with Investopedia… ___________________________________ We are in the business of helping our clients find the right cash value life insurance to fit their financial goals, if you'd like to discuss that with us, please click here and send us a message. 

In Part I, CERN physicist Steven Goldfarb attempted to explain to Bob the difference between leptons, muons, and quarks. In Part II, Goldfarb tackles a thornier question: In this age of so much disinformation, when scientific fact seems to carry no more weight than opinion, does science even matter? Plus: A very special epilogue. Get full access to Bully Pulpit at bullypulpit.substack.com/subscribe

Do you know what a lepton is? A muon? A quark? A boson? Bob can't even grasp the Facebook terms of service, but he found a particle physicist who both understands the nature of matter and was willing to explain it to him. Or try, anyway. Joining Bob for the first of a two-part conversation is Steven Goldfarb, a physicist at the University of Melbourne working on the ATLAS Experiment at CERN — the European particle physics consortium that operates the world's biggest particle accelerator near Geneva, Switzerland. Get full access to Bully Pulpit at bullypulpit.substack.com/subscribe