Podcasts about FAI

Tonight's Newsround centres on Ireland's squad being announced for next week's crunch playoff with Czechia, as QPR's Harvey Vale is called up fo the first time. The FAI also announced today that the Icelandic coach will be keeping the reigns for the Euro 2028 campaign. Viagra Connect 50mg film-coated tablets. Contains sildenafil. For adult men with erectile dysfunction. Subject to suitability. Maximum dosage one 50mg tablet per day. Always read the label.

Sei pronto a metterti alla prova? Fai subito il QUIZ: https://bit.ly/40BAKF7In italiano basta una lettera per cambiare completamente il significato di una parola. Per questo molti studenti si confondono!In questo podcast scoprirai 9 coppie di parole molto simili, come: pena / penna, casa / cassa, stazione / stagione, filo / figlio, banca / panca, fiume / fumo.Impara a riconoscere queste differenze e evita errori comuni quando parli italiano.Capitoli del podcast:0:00 - Introduzione1:37 - pena/penna2:38 - casa/cassa4:39 - stazione/stagione5:11 - imparare/insegnare6:43 - filo/figlio7:16 - porta/porto7:40 - lente/lento8:05 - banca/panca8:32 - fiume/fumo8:58 - Conclusione

Vuoi parlare italiano in modo fluido e naturale? Allora devi smettere di tradurre nella tua testa dalla tua lingua madre all'italiano e iniziare a pensare direttamente in italiano. In questo articolo scoprirai perché tradurre è un problema e come cambiare questa abitudine con strategie pratiche. Come Smettere di Tradurre e Iniziare a Pensare in Italiano Il Rallentamento della Comunicazione Pensaci un attimo. Se sei come la maggior parte degli studenti, probabilmente fai così: vuoi dire qualcosa, hai un'idea nella tua lingua, la traduci in italiano, cerchi la grammatica giusta, cerchi il vocabolario corretto, magari anche la pronuncia e poi finalmente parli. Questo processo mentale crea un passaggio inutile, un ostacolo tra te e la comunicazione spontanea. Il primo grande problema della traduzione mentale è che ti rallenta enormemente. Stai creando un passaggio extra, un ostacolo tra te e la comunicazione. Dovresti essere in grado di parlare istantaneamente, senza pensare alla parte meccanica della lingua. Devi eliminare quel passaggio extra perché non è naturale. Pensaci: tu non fai questo nella tua lingua madre! Quando parli la tua lingua, non pensi nemmeno alla lingua stessa. Le parole fluiscono automaticamente, senza sforzo conscio. Perché dovrebbe essere diverso con l'italiano? L'Incompatibilità tra le Lingue C'è un altro problema fondamentale: la grammatica di alcune lingue è completamente diversa dalla grammatica italiana. Alcune parole in altre lingue non hanno una traduzione diretta in italiano. Quindi sì, tradurre ti rallenta, ma in alcuni casi potrebbe non essere nemmeno possibile tradurre correttamente. Il risultato potrebbe essere totalmente sbagliato, portandoti a costruire frasi innaturali o incomprensibili per un madrelingua. Quindi, dimentica la traduzione. Devi pensare direttamente in italiano, senza preoccuparti della meccanica della lingua. Come Pensare Direttamente in Italiano Adesso parliamo di come puoi farlo concretamente. Come si pensa direttamente in italiano? Come si rende l'italiano qualcosa di naturale, di comodo, qualcosa a cui non devi pensare? Il Principio del "Fingi Finché Non Diventa Realtà" In italiano c'è un'espressione che si usa spesso: "fingi finché non diventa realtà" (in inglese dicono "fake it till you make it"). Significa: fai finta di saper fare qualcosa, e alla fine, dopo averlo fatto tante volte, ce l'avrai fatta davvero. Quello che devi fare è questo: fingi di essere madrelingua italiano. Fai finta di essere italiano. Questo cambio di mentalità è fondamentale per il tuo progresso linguistico. Perché la Lingua Madre è Così Naturale? Perché la tua lingua madre è così naturale per te? Perché tutto il tuo mondo, quando sei cresciuto, era in quella lingua. Tutto il tuo ambiente era nella tua lingua madre. Eri completamente immerso in essa fin dalla nascita. Quando impari una seconda lingua, come l'italiano, improvvisamente l'ambiente è diverso. I tuoi genitori probabilmente non parlano italiano, i tuoi amici probabilmente non parlano italiano, tu fai ancora molte cose nella tua lingua madre. Ma se fingi di essere madrelingua italiano, e vivi la tua vita come farebbe un italiano, tutto cambia. Circondati dell'Italiano Pensa a cosa farebbe un italiano la mattina quando si sveglia. Questo esercizio mentale ti aiuterà a capire come immergere completamente la tua vita nella lingua italiana. La Routine Mattutina di un Italiano Un vero italiano: Si sveglia, spegne la sveglia e prende il telefono: il telefono è in italiano. Metti il tuo telefono in italiano! Questo semplice cambiamento ti esporrà a centinaia di parole italiane ogni giorno, dalle notifiche alle impostazioni. Si prepara, magari guarda un video su YouTube mentre si lava i denti: il video è in italiano. Guarda video in italiano per italiani! Puoi scegliere contenuti che ti interessano, rendendo l'apprendimento piacevole e naturale. Accende la radio mentre prepara la colazione: la radio è in italiano. Ascolta podcast o radio in italiano! L'ascolto passivo durante le attività quotidiane è incredibilmente efficace per abituare l'orecchio ai suoni della lingua. Tutto nella sua vita è in italiano, perché è la sua lingua madre. E siccome è circondato dalla lingua, siccome è immerso nella lingua, l'italiano per lui è naturale. Non deve pensarci. Parla e basta. La Chiave della Fluenza Questa è la chiave per diventare fluente: fare della lingua una parte di te, della tua vita. L'immersione totale trasforma l'apprendimento da uno sforzo conscio a un processo naturale e automatico. Se non fai questo, l'italiano sarà sempre solo una materia scolastica. Sarà sempre qualcosa che devi studiare, a cui devi pensare. Non sarà mai parte di te, non diventerà mai un'estensione naturale del tuo pensiero. Il Problema del Sistema Scolastico Sai qual è un grande problema? Il sistema scolastico tradizionale. A scuola, probabilmente hai imparato l'italiano in modo molto poco naturale. Probabilmente dividevi la giornata in "un'ora di italiano": ti sedevi, leggevi un libro di testo, facevi degli esercizi per quell'ora. E poi, finita la lezione, tornavi alla tua lingua madre. Il Problema della Compartimentalizzazione Questo metodo di compartimentalizzare l'italiano, di isolarlo in un blocco separato della giornata, non ti aiuterà a diventare fluente. Perché non permette alla lingua di entrare in tutta la tua vita. La lingua rimane confinata in uno spazio mentale limitato, separato dalla tua esistenza quotidiana. Se vuoi davvero diventare fluente, devi permettere all'italiano di invadere la tua vita, di essere parte di tutto quello che fai, il più possibile. Ovviamente, alcune cose puoi farle solo nella tua lingua madre. Ma il punto è: devi fingere di essere madrelingua e massimizzare l'esposizione all'italiano. Esempi Pratici per Integrare l'Italiano nella Vita Quotidiana Diciamo che ti piace cucinare, domandati: "In che lingua leggo le ricette? Nella mia lingua madre?". Ecco un cambiamento semplice: Leggile in italiano! Stai cucinando, stai facendo qualcosa che ami, e allo stesso tempo stai migliorando il tuo italiano. È un modo efficacissimo per combinare passione e apprendimento. "Prendere Due Piccioni con Una Fava" In italiano diciamo: "prendere due piccioni con una fava". Fai due cose contemporaneamente e ottieni il doppio dei benefici nella metà del tempo. Questa espressione idiomatica rappresenta perfettamente l'approccio che dovresti adottare. Non si tratta di creare tempo extra. Non si tratta di trovare ore in più nella giornata. Si tratta di usare il tempo che hai già e sostituire alcune cose che fai nella tua lingua madre con cose in italiano. Attività Quotidiane da Fare in Italiano Ecco altri esempi pratici che puoi implementare immediatamente: Sei sull'autobus e scorri le notizie sul telefono? Leggi le notizie in italiano! Esistono numerosi siti di notizie italiani facilmente accessibili online. Ti piace ascoltare podcast? Ascolta podcast in italiano! Ci sono podcast per tutti i livelli e su qualsiasi argomento immaginabile. Scrivi una lista delle cose da fare prima di andare a dormire? Scrivila in italiano! È un esercizio semplice ma efficace per praticare il vocabolario quotidiano. Hai un'agenda dove segni gli appuntamenti? Scrivili in italiano! Ogni piccola nota diventa un'opportunità di pratica. Tabella Riassuntiva: Sostituzioni Quotidiane Attività nella Lingua MadreSostituzione in ItalianoBeneficioLeggere notizie onlineLeggere giornali italiani (Repubblica, Corriere)Vocabolario attuale e formaleAscoltare musicaAscoltare cantanti italianiPronuncia e espressioni colloquialiGuardare serie TVGuardare serie italiane o doppiateComprensione orale e slangScrivere liste e noteScrivere tutto in italianoPratica di scrittura quotidianaUsare i social mediaSeguire account italianiLinguaggio informale e modi di direLeggere ricetteCercare ricette su siti italianiVocabolario culinario specificoImpostazioni del telefonoCambiare lingua in italianoEsposizione costante e passiva Devi Anche Parlare Una volta che hai permesso all'italiano di entrare nella tua vita, devi anche parlare. È fantastico circondarti della lingua, ma devi anche praticare la produzione orale. L'ascolto e la lettura sono fondamentali, ma senza la pratica attiva del parlato, la fluenza rimarrà incompleta. Parlare con Se Stessi Se non hai nessuno con cui parlare, puoi parlare con te stesso. Descrivi quello che stai facendo, pensa ad alta voce in italiano. Questo esercizio può sembrare strano all'inizio, ma è incredibilmente efficace per sviluppare l'automatismo nel parlato. Puoi commentare le tue azioni quotidiane: "Adesso preparo il caffè", "Devo andare a fare la spesa", "Oggi fa molto caldo". Questi semplici monologhi interiori allenano il tuo cervello a formulare pensieri direttamente in italiano. Risorse Online per la Pratica Ci sono anche tantissime risorse online per trovare persone con cui praticare. App di scambio linguistico, comunità online, tutor virtuali: le possibilità sono infinite. L'importante è trovare opportunità regolari di conversazione reale. Quanto Tempo Ci Vuole? Adesso, quando fai di questo un'abitudine — e attenzione: non farlo per una settimana, non farlo per due settimane, devi farlo per uno, due, tre, quattro mesi per vedere davvero una differenza — ma se lo fai, se permetti all'italiano di entrare nella tua vita, parlare diventerà molto più naturale. La Costanza è la Chiave La costanza è fondamentale. Non si tratta di fare grandi sforzi sporadici, ma di piccoli cambiamenti costanti nel tempo. È meglio fare 15 minuti al giorno che 3 ore una volta alla settimana.

Trascrizione (PI Club, livello oro)In questo episodio di "Riflessioni", parlo con Irene, la presentatrice di Podcast Italiano Principiante, della vita a Roma: i suoi contrasti, la sua bellezza unica, il turismo e il giubileo.Scarica l'ebook: "Come raggiungere il livello avanzato in italiano"Altri link e risorse utili:Fonetica Italiana Semplice, il mio corso di pronuncia italianaIl mio ebook gratuito, "50 modi di dire per parlare come un italiano"Fai una lezione di italiano su Italki e ricevi 10 $ in creditiIl mio canale YouTubeDai un'occhiata al merchandiseInstagramFacebook

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On Tuesday's Football Daily, Phil Egan brings you news of the FAI Strategy plan, the pathways plan, action in the League of Ireland, the FA Cup and a look ahead to tonight's Champions League action.FAI CEO David Courell tells David Wilson the latest update around the Israel game, and what the vision is for the FAI over the next four years.Shelbourne FC surrender a two-goal lead as Shamrock Rovers FC fight back for a 2–2 draw in the League of Ireland Premier Division clash at Tolka Park.Early goals from Harry Wood and John Martin put Shels in control before Rovers hit back.John McGovern and Dylan Watts level the game as the Hoops salvage a point.Reaction from managers Stephen Bradley and Joey O'Brien after a dramatic Dublin derby.Preview of our live commentary as St Patrick's Athletic FC host Drogheda United FC at Richmond Park.West Ham United FC reach the FA Cup quarter-finals after a penalty shoot-out win over Brentford FC.Managers Nuno Espírito Santo and Keith Andrews react to a dramatic cup tie and a controversial Panenka attempt.Quarter-final draw details as Chelsea FC face Port Vale FC while Manchester City FC meet Liverpool FC.Arne Slot expects a “wall of sound” in Istanbul as Liverpool face Galatasaray SK in the UEFA Champions League.Big European nights also for Newcastle United FC against FC Barcelona and Tottenham Hotspur FC away to Atlético Madrid.Kevin Kilbane joins the Football Show to discuss online abuse in football and the importance of staying in the Premier League.Become a member and sign up at offtheball.com/join

FAI CEO David Courell sat down with OTB's David Wilson to speak about the new FAI strategy plan for 2026-29, the Player Pathway Plan, the Aligned Calendar and the prospect of the Israeli football team coming to Dublin later this year.Republic of Ireland football on Off The Ball with Cadbury | #PaintMarchGreen #CadburySupporterAndAHalfBecome a member and sign up at offtheball.com/join

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

OPEN HEAVENSMATALA LE LAGI MO LE ASO SA 8 MATI 2026(tusia e Pastor EA Adeboye) Manatu Autu:  E Mafai Ona Ia Tau Mo Oe Pe Fa'asagatau Mai (He Can Fight For Or Against You)Tauloto Tusi Paia: Salamo 37:5 “Ia e tu‘uina atu lou ala i le ALI‘I, ma fa‘atuatua ‘iā te ia, ‘ona faia lava lea e ia.”Faitauga - Tusi Paia: Esoto 14:21-28O loo tā'ua mai e le tusi o Efeso 6:12, tatou te tau ma alii sili ma faipule, peita'i e toatele tagata latou te le'i silafia lava lea vaega o le soifuaga, ma ua tauivi ai pea I latou ma taua e lē gata, e aunoa ma le iloa o leauala e manumalō ai. E toatele e fai a latou fuafuaga maualuluga ae lē taitai manuia pe mafai fo'i ona ausia. Peita'i e pei ona tatou faitau i le upu tauloto o le asō, o le mealilo e mautinoa ai le taunuu manuia o au fuafuaga, o le tu'u atoa o au tonu ma ou manatu uma i aao o le Atua ma tu'u tasi lou faamoemoe ia te Ia. Afai e te faataga le Atua e pulea ma faafoe mea uma, e mautinoa e i'u manuia.E i ai ni tulaga e ono tutupu a o tauivi se uso ma faafitauli o le soifuaga. O le tulaga muamua, e mafai ona faiaina. O le avanoa e ono faiaina ai e mafai ona avea ma faiaina mautinoa pe afai e lē a'u faatasi le Atua ma le tagata. Fai ma le tusi o Iakopo 4:6; E tete'e atu le Atua i e fa'amaualuluga, o lona uiga e fa'asagatau atu le Atua ia i latou ua manatu e mafaia e i latou lava ona fai e aunoa ma le Atua. O lea la, a faaosoosoina oe e le fili e fai au fuafuaga e tusa ma ou lava ala, su'esu'e ala pupu'u sesē, fa'imamago, taufa'avalea, pepelo poo le fa'aaogā o faiga lē amio Atua e manumalō ai, tete'e atu le fili, auā ua e tapena oe lava e fa'asagatau i le Atua pe a e pa'ū atu i ana faaosoosoga. I aso o i luma, o le a o'u talanoa atu ai i nisi fa'aiuga e ono maua e se uso a o feagai ma taua o le olaga.I le tusi faitau mai le Tusi Paia o le asō, na vaeluaina e le Atua le Sami ulaula ma tāpena le auala mo le fanauga a Isaraelu e savavali ai, o se mea e le'i tupu muamua. A o sopoia e I latou le eleele mātūtū i le ogatotonu o le Sami, na tuliloa atu i latou e le fili I totonugalemū o le Sami ma le faamoemoe e fa'afo'i le nu'u o le Atua I le pologa. Peita'i na tu le Atua mo ona tagata ma faasagatau I o latou fili. Ina ua iloa e le fili o lo o ‘au le Atua ma le fanauga a Isaraelu ma faasagatau atu ia i latou, na fetagisi ma faapea, “Ina o tatou sosola ese ia mai nei tagata Isaraelu auā ua mautinoa ua tau le Atua mo i latou.” (Esoto 14:25).A faasagatau le Atua i se tasi e faiaina lava lea uso. O le ala lea, poo fea lava o e i ai, poo se a fo'i o e fuafua e fai, e ao ona e mua'i fa'amautinoa e lē o tete'e atu le Atua ia te oe. O le tasi auala e te mautinoa ai o loo ‘au le Atua ma oe, o lou ola fa'apaiaina. O le ola fa'apaiaina o le ala autu malosi lea i le manuia, a o le agasala e fai ai oe ma fili o le Atua. Afai e te filifili e fa'aaogā auala piopio e maua ai le manuia, tusa pe foliga mai ua e maua le manuia, e lē umi. Le au pele e, e te lē gafatia pe a faasagatau atu le Atua ia te oe. Afai e te mana'o e manuia au fuafuaga, ola fa'apaiaina ma sola mamao ese mai soosemea e faatupuina le to'asā o le Atua ia te oe. A faasagatau mai le Atua i se uso, po o a lava ni taumafaiga a le uso, e lē manuia. I le suafa o Iesu, Amene.

Episode 349: For its 38th annual conference, Folk Alliance International returned to New Orleans, home of their largest-ever event (2020's draw of 3,600 people) and the epicenter of one of the nation's great regional roots music legacies. Besides a slate of Louisiana talent in blues, Cajun and zydeco, FAI was once again distinguished by diversity of style, genre, and nationality. Craig captured conversations with showcasing artists Joy Clark, Tyler Ramsey & Carl Broemel, Sparrow Smith, Maisy Owen, and Rachel Sumner & Traveling Light.   

OPEN HEAVENSMATALA LE LAGI MO LE ASO TOONAI 7 MATI 2026(tusia e Pastor EA Adeboye) Manatu Autu:  A iai le malamalama 3 (When there is light 3)Tauloto Tusi Paia: Mataio 5:15 “Latou te lē tutuina fo‘i le molī i le tu‘u ai i lalo o le mea e fua a‘i saito, ‘ae tu‘u i luga lava o le tu‘ugāmolī ‘ia pupula atu ai i ē o i le fale uma.”Faitauga - Tusi Paia: Ioane 4:7-18, 25-30O se tasi o o'u afafine fa'aleagaga, o se uo, ma sa vasega faatasi ma lo'u toalua, sa feagai ma se faafitauli tele- kanesa o le alāleo po o le fa'a'i (tulou). Sa fai mai foma'i pau le auala e laveaiina ai lona soifua o le aveese o lona alāleo, o lona uiga e lē mafai ona toe tautala. Na fai lona ta'otoga ma na amata ai i lea aso ona lē toe mafai ona tautala le afafine. Peita'i na fa'aauau pea la matou tatalo ma le loto talitonu e faamalolō o ia e le Atua. O se tasi aso ina ua faatoa ou fo'i mai i se malaga ae ou vaaia se fafine o ta'avalevale i luga o le fola o le fale. Ina ua tepa mai i luga sa ou iloa atu ai o le uō a lo'u toalua ma sa faapea mai, “o a'u lenei Tamā, ua toe mafai ona ou tautala.”Le au pele e, e lē mafai ona e maua le ituaiga vavega e pei ona fa'amatala i le tala ae lē faia sau molimau. O le ituaiga vavega lea e fa'agaganaina tagata uma o loo siomia oe ma ta'utino ua na o le Atua e faia ma tutupu ai vavega. A suluia e le malamalama o le lalolagi se tagata, e lē mafaia e lea uso ona taofiofi lona fofoga e lē tautala. O le fafine Samaria i le faitauga mai le Tusi Paia o le asō, na avea ma fai evagelia i le taimi na fetaia'i ai ma le malamalama. Na alu atu o ia i lona nuu ma tāla'i atu i tagata uma e omai e vā'ai i le malamalama. E lē mafai ona e maua le malamalama ma nanā i lalo o le mea e fua a'i saito (Mataio 5:15).O le malamalama ua lē na o faamanuiaga ma vavega na te momoli maia; e sau fo'i ma galuega ma tiute fai. Ina ua uma ona fa'asa'oloto le tagata ululeaga o Katara i le Mareko 5;2-20, na ave i ai e Iesu se galuega e fai, o le ta'u ma faamatala i isi tagata e uiga i le vavega na faia e Iesu mo ia. E le mafai ona sau se uso i le malamalama ae fa'aauau pea ona ola i se olaga fa'asamasamanoa. I le malamalama e tatau lava ona e faataunuuina le finagalo o le Atua. Ina ua uma le fa'asa'olotoina o le tagata faavalevalea, na alu atu o ia i nofoaga uma ma tāla'i atu i tagata, “O a'u o se tagata sa leaga le ulu ma mau i tuugamau, peita'i na ma fetaia'i ma le malamalama, ma avea ai nei a'u ma fai evagelia.” Na faapena fo'i ina ua maua Peteru e le malamalama, na avea o ia ma fai faiva o tagata. Ina ua o'o Paulo i totonu o le malamalama mamalu lenei na avea o ia ma misionare lauiloa, na tala'iina le talalelei i soosemea. E lē mafai ona e sau i le malamalama ae tumau le nofonofovale. O le malamalama e faamalosi'auina tagata e o atu i le lalolagi ma lauga le talalelei i tagata uma lava (Mareko 16:15).Le au pele e, soosemea e te alu i ai, e finagalo le Atua ia e fa'asusulu atu lona malamalama. Fai ma valaauina o lou olaga le ta'uta'u i tagata uma e te fetaui i ai, e uiga i le mata'utia o le malamalama na fa'asa'olotoina oe. Ou te tatalo mo oe i le asō ia suluia oe e le malamalama ma avatu ia te oe se ta'utinoga e lē mafai ona e natia, o le a e tala'ia se tala fou ma usu se pese fou, i le suafa o Iesu, Amene.

The lads are back from Kieran's stag weekend in Belfast. Hear about their wild and wonderful adventures in the NIFL over the past few days. Meanwhile, back in the League of Ireland, Bohs are looking good, could they compete for the title? The James McClean midfield experiment is off to a rocky start, while it's been another tough week for Kevin Doherty, Drogheda United, and Sligo Rovers. Drogheda United's punishment for the unrest in the Louth derby and the FAI's plans to change licensing requirements around pyro also feature. WHAT THE HELL IS A PYRO DOG! All of these talking points and much more are included on this week's pod, which as ever is sponsored by QuinnAv.ie and BAR 1 Betting (18+, gamblingcare.ie)

OPEN HEAVENSMATALA LE LAGI MO LE ASO TOFI 5 MATI 2026(tusia e Pastor EA Adeboye) Manatu Autu:  A iai le malamalama 1(When there is light 1)Tauloto Tusi Paia: Isaia 10:27 “O lea aso fo‘i e ‘ave‘eseina ai lana avega mai lou tauau ma lana amo fo‘i i lou ua; e gausia fo‘i le amo ‘ona o lē fa‘au‘uina.”Faitauga - Tusi Paia: Mataio 8:1-4O Iesu o le malamalama (Ioane 8:12) ma o soo se taimi e pa'i ai o ia i se tagata poo se nofoaga, e liua ma suia i ni vavega. I le Ioane 9:1-7, na feanu Iesu i le eleele, ona faia lea o ni palapala mai feanuga ma faauuina ai mata o le tauaso. Ina ua pai Iesu i le palapala, ua faauuina, ona gausia lea e le faauuga le tauaso i le olaga o lea tagata. Ou te folafola atu, ia susulu atu le malamalama o le Atua ia te oe ma gausia soo se avega mamafa o loo i lou olaga, i le suafa o Iesu. O le lepela i le faitauga mai le Tusi Paia o le asō, na ia iloa lelei o loo ia Iesu le faauuga e faaumatia le amo o le lepele i lona olaga, ma ina ua pai atu iesu ia te ia, na faaumatia ma gausia le amo. Tusa poo le a le umi o le amo ma se avega i se tagata, a susulu atu loa le malamalama o le Atua i lea tagata, e faaumatia lea amo e faavavau.I ni tausaga se tele ua tuanai, na tautulei mai se fafine i le naunau e vaai ia te au ina ua maea se tasi o matou polokalame i se taulaga i Nigeria i matū. Na ou fesili atu poo le a le faafitauli. Fai mai faatoa faalogo a lea i se tagata e lauga e pei o au. Fai mai ua ia iloa o le a ou tuumuli, ae na ia fia faailoa mai se mealilo ia te au, ua ia manatu o le a ou teu malu.  Na ia faaali mai se vaega o lona tino ma ou vaaia e lepela. Na ou fesiligia pe aisea ua le alu ai i le falemai. Ae fai mai e toatele lana fanau e vaai, a vaai iai fomai i le falemai o le a tuuesea  o ia i le motu o lepela. Na ou fesili pe aisea na le alu ai i se faifeau, ae fai mai ana alu iai, tatalo ae lē manuia, o le a iloa uma ai e tagata lona ma'i. Na ou tatalo mo ia, ma i le tausaga na sosoo ai, na ou toe sau ai i le Ekalesia lava lea e tasi. Ina ua ou taunuu atu ma oso atu i fafo o le taavale, na faafeiloai mai a'u e se tamaitai aulelei ma foliga fiafia. Na faailoa mai, o ia o le lepela lea na ou tatalo ai i le tausaga ua mavae ma ua ia faapea mai, ‘Na pa'i mai lou Atua ia te a'u ma o lea ua ou malolo'. Le au pele e, a pai atu le malamalama o le Atua ia te oe, e te tofo i le suiga ma le faamalologa i soo se vaega o lou olaga e o lo'o iai le pogisa, leai se alualu i luma ma o loo iai le fememeai. O Iesu Keriso o le malamalama, ma ou te tatalo ia pai atu o ia i soo se vaega o lou olaga ma oo atu ai se suiga lelei mo lou olaga, ile suafa o Iesu. TataloTamā, faamolemole ia susulu mai lou malamalama ia te a'u ma aveesea so'o se mea i lo'u olaga e lē mai ia te oe, i le suafa o Iesu, Amene. 

Sei pronto a metterti alla prova? Fai subito il QUIZ: https://bit.ly/4qYsTvTIn questo podcast partiamo dalla moka, simbolo delle case italiane, per fare un viaggio dalle origini del caffè in Etiopia fino al suo arrivo a Venezia e alla nascita dell'espresso.Scopriamo come il caffè è diventato un vero rituale italiano: dalla tradizione della moka inventata da Alfonso Bialetti al caffè veloce al bar.Capitoli del podcast:0:00 - Introduzione2:55 - L'origine del caffè4:26 - L'arrivo del caffè in Italia7:29 - La trasformazione del caffè8:44 - La moka10:35 - La varietà dei caffè in Italia11:48 - Conclusione

This week on The Sunday Paper Review, Adrian Barry is joined in studio by athletics journalist Cathal Dennehy, and Olympic canoeist Jenny Egan.In this UNLOCKED section, they reflect on the FAI's confirmation that The Republic of Ireland will fulfil its Nations League fixtures with Israel. Want to listen to the full Sunday Paper Review ad-free? Become a member now at offtheball.com/join!

OPEN HEAVENSMATALA LE LAGI MO LE ASO GAFUA 2 MATI 2026(tusia e Pastor EA Adeboye) Manatu Autu: Faagalo ae tausisi ma agai i luma (Forget and press forward)Tauloto Tusi Paia: Filipi 3:13-14 “Le ‘au uso e, ‘ou te lē manatu ‘ua ‘ou maua, a o le mea e tasi ‘ou te faia, ‘ou te fa‘agalogalo i mea ‘ua tuana‘i, ‘ou te momo‘e punou a‘i fo‘i i mea o lumana‘i. ‘Ou te tausisi atu i le fa‘ailoga, ‘ia maua ai le taui na vala‘auina ai a‘u mai lugā e le Atua ‘iā Keriso Iesu.”Faitauga - Tusi Paia: Kenese 50:15-21E faigofie ona galo iai tatou mea matagofie ua faia e le Atua, o le mafuaaga lea e tele ai fuaitau o le Tusi Paia o loo faamanatu mai iai tatou, ‘aua nei galo'. I le Teuteronome 8:11, na lapatai e Mose le fanauga a Isaraelu ia aua nei galo iai latou lo latou Atua.  Fai mai le Salamo 103:2, e aua nei galo se tasi o ana meaalofa. E faapena foi le Salamo 78:7, o loo lapatai mai e aua nei galo iai tatou ana galuega. Peitai e ui o le finagalo o le Atua e aua nei galo iai tatou mea uma ua ia faia, o loo ia faatonuina foi i tatou e aua le tumau ai i le tuanai. I le tauloto mai le Tusi Paia o le asō, na faamatala e Paulo i le Ekalesia i Filipi o se tasi o mea e na te faia o le faagalogalo i mea ‘ua tuana‘i, ‘ae momo‘e punou a‘i fo‘i i mea o lumana‘i, ona ia lapatai lea iai latou ia manatunatu faapea, e pei ona tusia i le fuaiupu 15. E iai tagata ua uu mau i manuia o le tuanai, e talanoa i ala na faaaogaina ai i latou e le Atua ma latou maua vavega tetele i aso ua tuanai. Peitai e leai ni fua i o latou olaga i le taimi nei e latou te iloa le Atua. E tumu i latou i le loto ita, loto lē faamagalo, loto leaga ma isi fua o le tino. O kerisiano e talanoa ma viia le Atua i mea tetele ua faia i le tuanai e aunoa ma le fiaai e siitia mea e faia, e latou te lē maua le faauuga fou mai ia te ia. E fou lona alofa mutimutivale i taeao uma (Failauga 3:23), o lona uiga o soo se kerisiano e tumau i mea ua tuanai, o le a ia misia le siitia o le agalelei ma le alofa mutimutivale o le Atua. E atoa i le asō le 84 o ou tausaga, i le alofa tunoa o le Atua, o loo ou faia pea mea tetele mo lona malō aua ua aoaoina au e aua le tumau i manuia o le tuanai ae ou te faalagolago i lona alofa mutimutivale e fou i taeao uma. Le au pele e, o le faagalogalo o mea ua tuanai e fesoasoani ia te oe e momoe punouai i mea matagofie i le lumanai. O le faagalogalo o mea faigata na ui mai ai e oo i mea na manaumalo ai, o le a fesoasoani ia te oe e ausia faamanuiaga fou ua saunia e le Atua. Ana le faagalo e Iosefa le tigā o mea leaga na faia e ona uso, semanu e saisaitia pea o ia e le loto ita. E pei ona tatou vaai i le faitauga mai le Tusi Paia o le asō, na ia fai i ona uso e ui o latou mea na faia sa fuafuaina e faaumatia ai o ia, ae na liua e le Atua mo lona lelei. E iai ea se mea i lou tuanai e tatau ona e faagalogalo ina ia mafai ona alu i luma i mea tetele e sili atu? Ole atu i le Atua e faaali atu ia te oe ma faamalosi ia te oe ina ia e lafoai iai. Ao e faia, ou te tatalo ia susulu pea ou ala, i le suafa o Iesu. Tatalo, Tamā, ia e faamanuia ia Pastor EA Adeboye i lona aso soifua, ma ia e siitia pea o ia ma ana galuega e faia mo oe, i le suafa o Iesu, Amene. 

Nuacht Mhall. Príomhscéalta na seachtaine, léite go mall.*Inniu an t-ochtú lá is fiche de mhí Feabhra. Is mise Eoin Ó Seachnasaigh.Tá sé mar aidhm anois ag Conradh na Gaeilge “gníomhú i dtreo Éire Aontaithe ar leas na Gaeilge agus na Gaeltachta” tar éis don Ard-Fheis vótáil ar son athraithe ar bhunreacht na heagraíochta. Bhí an ócáid bhliantúil ar siúl san Óstán Europa i mBéal Feirste an deireadh seachtaine seo caite, an chéad uair a reachtáladh é sa chathair le tríocha bliain. Lá suntasach a bhí ann don eagraíocht nuair a ghlac mórchuid de na baill gur chóir go mbeadh an Conradh i lár an aonaigh maidir le deireadh a chur le críochdheighilt na hÉireann. Tagann an fógra seo ag am cinniúnach don teanga, dar leis an taighdeoir Róisín Nic Liam, a thug rabhadh go mbeidh an Gaeilge i mbaol mura n-athraíonn meon an phobail agus muid ag druidim le comhaontú na tíre. I measc na n-abhár eile a pléadh, glacadh freisin le rún a éilíonn gníomh ó Stát na hÉireann chun dul i ngleic leis an ngéarchéim tithíochta sa Ghaeltacht agus moltaí ón gConradh agus ó eagraíochtaí ar nós Bánú a chur i bhfeidhm. Bronnadh Gradam an Uachtaráin ar an ngníomhaí cearta Fergus Ó hÍr as a chuid éachtaí thar na blianta, lena n-áirítear a sheasamh in aghaidh na mBlocanna H agus a cheannaireacht ar Raidió Fáilte.Níl an dara rogha ag foireann sacair na hÉireann ach a gcluichí i Sraith na Náisiún in aghaidh Iosrael a chomhlíonadh. Sin de réir Phríomhfheidhmeannach Cumann Sacair na hÉireann (an FAI) David Courell, i ndiaidh an fhógra go n-imreofaí cluiche baile i mBaile Átha Cliath ar an gceathrú lá de mhí Dheireadh Fómhair. Tuigeann an FAI go mbeidh an cinneadh seo deacair ar go leor den lucht tacaíochta, a deir a ráiteas, ach caithfidh siad cloí le rialacha UEFA nó glacadh leis an mbaol dícháilithe. Thacaigh gnáthbhaill FAI roimhe seo le rún ag iarraidh go gcuirfí Iosrael ar fionraí ó chomórtais UEFA mar gheall ar an gcinedhíothú sa Phalaistín. Bhí ráflaí ann go n-imreofaí an cluiche thar lear, ag cur san áireamh an teannas idir an dá thír agus an imní faoi chúrsaí slándála. Tuigtear, áfach, go bhfuil na Gardaí sásta nach mbeidh aon fhadhb ann. Níl a fhios fós cad a dhéanfaidh daoine mar fhreagra, ach is féidir a bheith ag súil le baghcat nó le hagóid ag an Staid Aviva ar an oíche.Tá Seachtain na Gaeilge 2026 beagnach buailte linn, agus chun an ócáid ​​a cheiliúradh, beidh dhá scannán as Gaeilge le feiceáil i bpictiúrlanna ar fud na hÉireann. Beidh lucht féachana Cúla4 ar bís faoi fhilleadh carachtair bhuí áirithe ar an scáileán mór sa scannán beochana SpongeBob: Cá Bhfuil SquarePants? San eachtra nua seo, caithfidh SpongeBob a chrógacht a chruthú dá leathbhádóir, an tUasal Krabs, agus an bheirt acu sa tóir ar thaibhse fíochmhar. Más rud é go bhfuil tú ag lorg rud eicínt níos dorcha, áfach, is féidir leat dul chuig Báite, scéal noir atá suite sna seachtóidí, ina dtagann rúin ghránna chun solais tar éis corp a fháil i loch. Ba é Ruán Magan, deartháir Manchán, a stiúir an scannán, bunaithe ar an úrscéal The Lake, le script ón údar céanna, Sheena Lambert. Tá ardmholadh faighte ag Báite on eagarthóir coimisiúnaithe TG4, Máire Ní Chonláin, a deir go bhfuil sé “fréamhaithe go domhain in áit agus i gcarachtair”, le béim láidir ar shaibhreas scéalaíochta na Gaeilge.*Léirithe ag Conradh na Gaeilge i Londain. Tá an script ar fáil i d'aip phodchraolta.*GLUAIScríochdheighilt - partitionrún - resolutionbaol dícháilithe - risk of disqualificationar fionraí - suspendedleathbhádóir - partnereagarthóir coimisiúnaithe - commissioning editor

OPEN HEAVENSMATALA LE LAGI MO LE ASO TOONAI 28 FEPUARI 2026(tusia e Pastor EA Adeboye) Manatu Autu: Aao taumatau o le Atua (Gods right hand).Tauloto Tusi Paia: Efeso 2:6 “Ua na toe fa‘atutū fa‘atasi mai fo‘i, ma fa‘anonofo fa‘atasi i tatou ma Keriso Iesu i mea o i le lagi.”Faitauga - Tusi Paia: Salamo 110:1-3O le fa'aupuga “aao taumatau” e tāua tele I le Tusi Paia. O loo fa'aalia ai se tulaga o avanoa aloaia, se nofoaga mamalu ma fa'aaloalogia. Mo se fa'ata'ita'iga, o lo tatou Alii o Iesu Keriso o loo afio i le itu taumatau o le Tamā (Eperu 1:3). Ua fa'aalia fo'i I le Eperu 12:2, ina ua uma ona puapuagatia Iesu ma maliu i luga o le satauro, ona nofo ai lea o Ia i le itu taumatau o le nofoalii o le Atua. O le aao taumatau o le Atua ua fai ma sui o lona malosi silisili ma lona mana. Fai mai le 1 Peteru 3:22 “o ia o lo‘o i le itū taumatau o le Atua, ‘ina ‘ua afio a‘e o ia i le lagi, na to‘ilalo ‘iā te ia o agelu, ma faipule, ‘atoa ma ē malolosi.”O le tagata o loo faatatau i ai le fuaiupu ua taua i luga, o Iesu. O Ia o loo afio i le aao taumatau o le Atua ma le mana uma lava e gaua'i atu i le Atua. Po o le a lava se tulaga maualuga faalelalolagi o galue ai se uso, e sili atu lava le mana ma le pule o i le aao taumatau o le Atua. O le aao taumatau o le Atua o le nofoaga e gaua'i i ai agelu uma, Pule ma le mana uma i le Atua. Fai mai fo'i Salamo 18:35; o le aao taumatau o le Atua o le nofoaga o tausiga ma fesoasoani. Fai mai le fuaiupu tauloto o le asō, ona o i tatou o fanau a le Atua, ua nonofo faatasi i tatou ma Keriso, ma talu ai o lo o i ai Keriso i le aao taumatau o le Atua, o loo tatou i ai fo'i faatasi ma Ia.O le i ai i le aao taumatau o le Atua o lona uiga, e lē taitai e mativa i fesoasoani ma foa'i. O lona uiga e te maua pea e lē aunoa i le taimi e manaomia ai le fesoasoani tele e te manaomia. O i latou o i le aao taumatau o le Atua, e lē itiiti i latou auā o lona aao taumatau o le nofoaga o le mana, e pei ona o tatou vaaia i le Mareko 14:62; fai mai, ‘“Ona fetalai atu lea o Iesu, “O a‘u lava lea; ‘tou te iloa fo‘i le Atali‘i o le tagata e nofo i le itū taumatau o Lē e ona le mana,' ‘e sau fo‘i o ia i ao o le lagi.”' O lona uiga, o i tatou kerisiano, o tagata o le mana ma le fa'ama'ite. Tatou te ola fiafia i le fesoasoani, tausiga ma le manuia mai le Atua. Paga lea, peita'i e ui o lo tatou fa'asinomaga lea o le fanau a le Atua, a o loo ola pea nisi kerisiano mamao ese mai le mea moni auā faapei o le atalii faamaumauoa i le Luka 15:11-32; na ta'asē i latou mamao ese mai le aao taumatau o le Tamā. Ua o latou usitai i le valaau a le agasala ma fa'atigā i le alofa tunoa o le Atua i luga o latou olaga. Le au pele e, afai e te le'i talia ma gaua'i i le Atua, po ua e ta'asē mamao ese fo'i mai ia te Ia, ou te valaaulia oe i le asō e te sau ia te Ia. O loo tuitui le Alii i le faitoto'a o lou loto (Fa'aaliga 3:20); tatala lou loto ia te Ia, o loo faatalitali lou Atua e talia oe i ona aao mafola; aua e te tuua lou Tamā ia faatalitali ai pea mo oe. Sau e talia ma fiafia i lou nofoaga i le aao taumatau o lou Atua, i le suafa o Iesu, Amene.

Gavin Cooney, Sports Correspondent at The 42 and Declan Power, Security and Defence analyst, discuss the FAI's confirmation that the Republic of Ireland's upcoming Nations League fixture with Israel will take place in Dublin.

OPEN HEAVENSMATALA LE LAGI MO LE ASO TOFI 26  FEPUARI 2026(tusia e Pastor EA Adeboye) Manatu Autu: E na te silafia mea e tatau ona faia (He knows what to do)Tauloto Tusi Paia: Salamo 34:17 “Ua ‘alalaga ē ‘ua amiotonu, ‘ona fa‘afofoga mai ai lea o le ALI‘I; ‘ua ia lavea‘i mai fo‘i ‘iā te i latou a‘i o latou puapuagā uma.”Faitauga - Tusi Paia: Ioane 6:5-13I le 2 Tupu 5:9-14 ina ua alu atu Naamanu ia Elisaia ma le naunau ia malolo mai le lepela, na ia manatu e sau i fafo le perofeta e faaloaloa ona lima ia te ia. Sa iai lona manatu i le ala e faia ai le galuega a le perofeta ia te ia, peitai e ese le finagalo o le Atua, ma ana ia lē mulimuli i faatonuga a Elisaia, e tumau lava o se lepela. E faapena i le faitauga mai le Tusi Paia o le asō, na silasila atu Iesu i le motu o tagata o lolofi atu e fia faalogo i ana aoaoga. Na ia silafia e ono fia aai ma o lea na fai atu ai i lona au soo e saili mai se meaai mo i latou. Ao ia fesili atu, fai mai le Tusi Paia na ia silafia le mea o loo ia faia. Le au pele e, e iai le talalelei mo oe, ua silafia e le Atua pe faapefea ona ia saunia fofō o faafitauli e ono feagai ma oe. Sa fai mai se tasi o ou atalii e faapea, ‘ae lei tulai mai lou faafitauli, ua maea silafia e le Atua le tali'. Ua ia saunia le tali a lei tupu mai le faafitauli. E saunia e le Atua tali o soo se faafitauli, ae lei amata mai. Ou te tatalo, e faaali atu e le Atua le fofo o so'o se mauga o loo avea ma luitau ia te oe ma lou aiga, i le suafa o Iesu. E silafia e le Atua le mea e faia e tali ai i ou manaoga. I le faitauga mai le Tusi Paia o le asō, na fafagaina le 5000 o tagata i le 5 falaoa poo areto ma i'a e 2, ae 12 ato o toega o meaai na maua mai ai. E ono fesili seisi, ‘o fea na aumai uma ai falaoa? O la'u tali, na aumai mai ia Iesu aua o ia o le areto o le ola. E na te faia ma saunia areto e tele ao tufa atu e le au soo areto e lima lea na ia vaevaeina mai le amataga, i le suafa o Lē na auina mai a'u, e te maua mea uma ma sili atu e te manaomia, ae lei maea lenei tausaga. Fai mai le Salamo 90:1-2“Le Ali‘i e, ‘ua fai oe ma mea matou te nonofo ai, i lea tupulaga ma lea tupulaga. A o le‘i fānaua mai mauga, e le‘i faia fo‘i e oe le lalolagi ma le atu laulau, o le Atua oe mai le vavau e o‘o i le fa‘avavau.”O loo faaali mai e le Tusi Paia iai tatou, o le Atua Silisili Ese sa iai o ia mai le tasi augatupulaga i leisi augatupulaga, ae lei faia mauga. E na te silafia le faavae o mauga uma, o lona uiga e mafai ona ia aveesea soo se mauga. E silafia lelei e le Atua le mea e tatau ona faia, e na te fofoina ou faafitauli, o lea, valaau ia te ia e fesoasoani mai ia te oe, e manumaloina soo se faafitauli o loo feagai ma oe. Ia e faatuatua i Lē e silafia mea uma ma malosi, ona mautinoa lea e te manumalo. E silafia e le Atua auala e fofo ai faafitauli. Tuu lou faatuatua ia te ia, i le suafa o Iesu, Amene.

Send a textIn this episode, we break down femoroacetabular impingement (FAI) for PTs and students—what it is, how it shows up clinically, and how it's typically diagnosed. We walk through cam, pincer, and mixed morphologies, quick assessment ideas (including FADIR/FABER and when imaging matters), and what PT treatment commonly focuses on. We also touch on when injections or surgery may come into play and key considerations for helping patients succeed with rehab.00:00 Welcome to PT Snacks01:10 FAI Defined and Diagnosed02:27 Cam Pincer and Mixed Types05:03 Clinical Assessment Tests07:26 Imaging and Key Angles08:31 PT Treatment Priorities11:14 Injections and Surgery Options12:20 Key Takeaways and Wrap Up13:16 Resources Newsletter and Promo14:10 Final Sign OffSupport the showNeed CEUs? Unlock unlimited online courses, live webinars, and certification-prep programs with MedBridge. You'll get: Thousands of accredited, evidence-based courses across multiple specialties (PT, OT, AT, SLP) that count for state-license CEUs. Access anytime, from your office, phone, or home—perfect for busy clinicians. One annual subscription, no per-course fee. Special offers: Use code PTSNACKSPODCAST at checkout and save over $100. Students use code PTSNACKSPODCASTSTUDENT for a discounted annual plan. Studying for the NPTE? Check out PT Final Exam — they've helped thousands of students pass with confidence. Use code PTSnacks at checkout for a discount. Stay Connected! Follow so you never miss an episode. Send your questions via email to ptsnackspodcast@gmail.com Join the email list ...

Da oggi e per tutta la settimana la nostra inviata da Sanremo sarà Levante! In studio è venuta a trovarci la piccola Clara, una pittrice speciale. Ospite Daniele Bruno Direttrice Culturale del FAI.

Episode Notes Ireland vs Israel Boycott, Arsenal Win NLD & Hearts Top of SPL! Check out our other social media here: Don't forget to check out our other socials here: https://linktree.com/IFFTV Jeff Hendrick joins Irish Football Fan TV for an honest look at the Israel boycott debate, plus a massive breakdown of the Premier League and Scottish Premiership weekend! With a World Cup playoff in Prague just around the corner, we discuss if the FAI should step in to protect the players from political fallout. But that's not all—we're diving into a wild weekend of club football:

Send a textA 72-year-old engineer with $750,000 saved told me he couldn't afford $140 boots.He owns his home. Has a pension. Social Security. But he's been wearing 30-year-old work boots in his garden because new ones are "too rich for my blood."Sound familiar?If you've worked your whole life, saved diligently, and now feel guilty about actually spending any of it—this episode is for you.The biggest retirement mistake isn't overspending. It's under-LIVING.In this episode, we're talking about the one thing most retirees need but don't realize they need: permission.Permission to take that trip. Permission to help your kids. Permission to upgrade your life. Permission to say no to work.I'm not talking about reckless spending. I'm talking about giving yourself the freedom to enjoy the life you've worked decades to build—without guilt and without the fear of running out of money.IN THIS EPISODE YOU'LL DISCOVER:Why your parents' Depression-era mindset is still controlling your money decisions todayWhat the Bible actually says about enjoying your wealth (it might surprise you)The Parable of the Talents—and why it's NOT just about investingThe two practical tools you need to spend confidently: a budget and guardrailsHow that engineer finally gave himself permission—and what changed when he didEPISODE TIMESTAMPS:[00:00] The $140 Boots Story [02:15] Why You Can't Give Yourself Permission [03:30] The Generational Weight You're Carrying [06:00] What the Bible Says About Freedom [09:30] Permission to Enjoy (1 Timothy 6:17) [11:45] The Parable of the Buried Treasure [14:00] Wisdom vs. Recklessness [17:30] The Two Tools You Need [19:45] He Finally Bought the Boots [21:00] You Have PermissionFREE RESOURCES MENTIONED:

OPEN HEAVENSMATALA LE LAGI MO LE ASO LUA 24 FEPUARI 2026(tusia e Pastor EA Adeboye) Manatu Autu: O Le Atua E Leai Se Tapula'a (6) - The Unlimited God (6)Tauloto Tusi Paia: 1 Peteru 5:7 “Ia tu‘uina atu ‘iā te ia mea uma tou te popole ai, auā o lo‘o manatu mai o ia ‘iā te ‘outou.”Faitauga - Tusi Paia:  2 Tupu 4:1-7O  le aso, o le a ou talanoa atu i le Atua e leai se tapulaa e mafai ona ia saunia mea uma e te manaomia mai ana puna'oa e leai se gata'aga. Ua tumu le Tusi Paia i le tele o tala e faʻaalia ai o le Atua e leai sona tapulaa pe a oʻo ina saunia manaʻoga o lana fanau, e pei ona faamatalaina i le faitauga o le Tusi Paia o le asō. O le fafine ua oti lana tane, o se tagata o le Atua, sa pagatia ona o aitalafu tele, ua o mai ē o loʻo nofo aitalafu ai, e ave lana fanau tama e toʻalua e fai ma pologa e totogi ai le aitalafu. E faafetai,  na tamo'e le fafine ia Elisaia e taʻu atu iai lona puapuagatia. Ona ua tamoe i le tagata o le Atua, ua ia valaaulia le Atua e leai se gata'aga, ma e le gata na ia saunia mea o loo ia manaomia vave, na ia saunia mea uma na ia manaomia i le lumanaʻi.Le 'au pele e, e le taofia le Atua e fua i mea o loʻo i ou lima poo le leai foi o se mea, e saunia ou manaʻoga. E le faʻatapulaʻaina o ia i tagata e te iloa pe e te le iloa, e na te saunia punaoa e te manaʻomia. E leai se gata'aga o ana punaoa, e matua leai  lava se gata'aga, aua e mafai ona ia soloia i le aso e tasi au aitalafu uma tusa po'o le a le telē. O Ia o Ieova El-Shaddai, lea ua fa'aliliuina e le au popoto o le Tusi Paia, o le 'Susu o le Tina' (tulou). I le susu o se tina, e lava le suāsusu e fafaga ai lana pepe. E leai se mea e gata ai le Atua, e mafai ona ia saunia soʻo se mea e te manaʻomia. Fai mai nisi tagata popoto o le Tusi Paia, ina ua fetalai Iesu, “Āfai tou te ole atu i se mea i lo‘u igoa, ‘ou te faia lava.” (Ioane 14:14). O loo ia faapea mai, ‘ A ole mai se tagata i se mea ou te lei faia, ou te faia mo ia'. E faapena le Atua e leai sona tapulaa. I le Ioane 1:1-3, fai mai le Tusi Paia, "Sa i le amataga le Upu, sa I le Atua le Upu, o le Atua foi le Upu. O ia lava le Atua i le amataga. Na ia faia mea uma lava; e leai foi se mea e tasi na faia e lei faia e ia." Ona o le Atua na faia mea uma, o Ia e ana mea uma, ma e mafai ona Ia fa'aaogaina soʻo se mea e manatu e manaomia e saunia ai ou manaʻoga. ‘Aua lava e te masalosalo e le o manatu ma alofa le Atua ia te oe. Afai e na te faamautinoa e lava meaai a manulele mo aso uma (Mataio 6:25-26), o lona uiga e na te saunia ma le faulai mea uma e te manaomia. Ia tuu uma lou fa'atuatua i le Atua Silisili Ese e leai sona tapulaa; e na te fa‘a‘atoa mea uma e matitiva ai ‘outou, e tusa ma le faula‘i o lona vi‘iga, ‘iā Keriso Iesu (Filipi‬ ‭4‬:‭19‬). O le Atua Silisili Ese e leai sona tapulaa, e manatu ma alofa ia te oe, ma e tele ma anoanoa'i oloa ia te ia, e na te saunia mea uma e te manaomia, i le suafa o Iesu, Amene. 

OPEN HEAVENSMATALA LE LAGI MO LE ASO GAFUA 23 FEPUARI 2026(tusia e Pastor EA Adeboye) Manatu Autu: O Le Atua E Leai Se Tapula'a (5) - The Unlimited God (5)Tauloto Tusi Paia: Hakai 2:8  “O lo‘o ‘iā te a‘u le ario, o lo‘o ‘iā te a‘u fo‘i le auro, ‘ua fetalai mai ai le ALI‘I o ‘au.”Faitauga - Tusi Paia:  Salamo 50:10-15I ni nai aso ua tuanai atu, sa ou talanoa atu e lē mafai ona taofia le Atua pe tetee mai nisi, pe lē fetaui le taimi pe le talafeagai le siomaga. O le a faagasolo atu pea i le asō i le talanoa atu i auala na te pulea ai mea e faia e tagata ma e lē taofia i le lelava o oloa.Fai mai le Salamo 24:1 “O le lalolagi ma mea ‘ua tumu ai o a le ALI‘I ia; o le atu laulau ma ē o nonofo ai.”E leai se mea e telē tele e le mafai ona faia e le Atua Matautia, o Lē na faia le lalolagi ma mea uma o tumu ai. O le tagata pito i mauoa i le lalolagi atoa i le taimi nei, e na te umia na o sina vaega itiiti o le oa o le lalolagi atoa. E le gata i lea, o le oa ma le tamaoaiga o tagata pito mauoa i le lalolagi, ua na o se tulutulu i le moana pe a faatusa i faulaiga oa na tuu e le Atua i le lalolagi. I le Mareko 6: 35-44 ina ua tumutumu atu le motu o tagata i luma o Iesu, na popole le ausoo pe faapefea ona fafaga i latou. Na fetalai atu Iesu, ia saili mai ni falaoa, ae na latou maua na o se meaai a se tamaitiiti. Ou te mautinoa na manatu le au soo e ataata nei Iesu pe a avatu, peitai na faaaoga e Iesu lenei tamai meaai ma faateleina e fafagaina le sili atu ma le 5000 tagata. A e avatu na o sina vaega o lou tamaoaiga i le Alii, o le a ia faamautinoaina e te maua mea uma e sili atu i mea e te manaomia. I le 2 Tupu 4:42-44, na sau se tagata ma meaai ia Elisaia, e tausia o ia mo ni aso poo vaiaso. Peitai e lē na o le pau lea, e 100 isi tagata, o atalii o perofeta sa auai ma ia. Ina ua fai atu Elisaia i lana auauna e avatu sina meaai i tagata, na manatu le auauna pe faapefea ona lava lenei meaai itiiti. Peitai ina ua auina mai le Upu a le Atua e leai se tapulaa, o sina meaai itiiti lea na fafagaina le 100 o tagata, ma e tele meaai na totoe. A oo mai le Upu a le Alii i luga o sina mea o loo ia te oe, e faateleina ma e lava ma totoe. I le upu tauloto mai le Tusi Paia o le asō, na fetalai le Atua o le auro ma le ario o ia e ana. E faapena foi i le faitauga o le Tusi Paia o le asō na fetalai le Atua o loo ia te ia manu uma i le vao matua ma manu e tata‘a i mauga e afe. O le Atua e leai se tapulaa o ana oa, ma o se tasi o auala e te fiafia ma maua ai, o le ola i se olaga faafetai. A e loto faafetai i le Atua mo mea uma ua ia faia, e sili atu mea e faia e le Atua. O le finagalo lea o le Atua ia te oe, ia e avatu le faafetai (1 Tesalonia 5:18). Le au pele e, ia avea le loto faafetai i le Atua, le Tamā i le lagi e avea ma masani o lou olaga. E leai se tapulaa o mea e faia e le Atua mo oe pe afai e te masani e avatu le faafetai ia te ia i mea uma ua e maua, i le suafa o Iesu, Amene. 

FAI podcast host, Dr. Mark Easley speaks with Drs. Aiyer, Gross, Rascoe, and Wukich on their recently published papers in FAI February issue: Both Tobacco and Non-Tobacco Nicotine Dependence Are Associated With Increased Complications Following Ankle Fracture Open Reduction Internal Fixation: A Propensity-Matched TriNetX Analysis (2005-2025) Preoperative Cannabis Use and Ankle ORIF Outcomes: Higher Risks of Infection, Nonunion, and Reoperation Non-Tobacco Nicotine Dependence Is Associated With Increased Risk of Reoperation and Complications After Ankle Fracture ORIF: A Propensity-Matched Database Study Postoperative Outcomes After Ankle Fracture ORIF in Patients With Documented Nicotine and/or Cannabis Use: An Observational Analysis

OPEN HEAVENSMATALA LE LAGI MO LE ASO TOONAI  21 FEPUARI 2026(tusia e Pastor EA Adeboye) Manatu Autu: O Le Atua E Leai Se Tapula'a (3) - The Unlimited God (3)Tauloto Tusi Paia: Tanielu 4:35 “O i latou uma o ē nonofo i le lalolagi, ‘ua peiseaī ‘ua leai i latou ‘ua ia faia fo‘i e tusa ma lona finagalo i ‘au o le lagi, ‘atoa ma ē o nonofo i le lalolagi; e leai se tasi na te tāofia lona ‘a‘ao pe fai atu ‘iā te ia, “O le a ‘ea le mea ‘e te fai?”Faitauga - Tusi Paia: Tanielu 2:20-22I aso e lua (2) ua tuana'i atu sa ou talanoa ai faatatau I le Atua e lē mafai ona taofia e ni mea fa'asalāvei poo tulaga e foliga e lē mafai ona ausia. O le asō ou te fia talanoa faatatau i auala e faaali/ faailoa ai e le Atua mata'utia lona natura Pule aoao e lē ma taofiofia pe faalavelaveina i le totonugalemū o faafitauli e foliga ua leai se fofō.Sa sau se tasi tinā ma tagi mai ia te a'u mo se fesoasoani. Ina ua o'u fesili poo lē a le faafitauli, na tali mai ua tia'i ia ma lana fanau e to'afā e lana tane ae alu nonofo ma le isi fafine e to'alima lana fanau, e ese o latou tamā (tulou). Fai mai le tinā, sa ou tauivi ma fai mea uma ou te mafaia e taofi ai la'u tane peita'i ua lē mafai. O le taimi lenei, ua ou manaomia le fesoasoani a le Atua mo a'u.” Sa o'u fai I le tinā e faigofie lona faafitauli talu ai, ua ia filifili e faataga le Atua e fesoasoani iā te ia. Sa ou tatalo mo le tinā ma fa'amautinoa i ai, o le a toe fo'i ifo lona toalua e faatoese ia te ia. E le'i umi ni aso mulimuli ane, ae tauaimisa lana tane ma le fafine ese o la nonofo ma faapea atu i ai le fafine ese, “ e te lē o iloa o oe ua leaga lou ulu? A na e poto e te lē tuua lau avā ma la'u fanau to'afā ma e sau e nofo I se fafine e to'alima le fanau, e ese o latou tamā.” Na tali le tamaloa, “O le mea moni ua e iloa.” Na ia ta'utino o ia ua fa'avalevalea, ma ia tāpena loa ana ato ma fo'i I lona aiga. Ina ua taunuu, sa ia aioi i lona toalua ia faamagalo ma toe talia ia, ma na talia lelei e lana avā. Ou te poloa'i ia liliu ou faiaina uma i le manumalō, i le suafa o Iesu. Po o fea lava ua faaletonu o lou olaga, e toe faatulaga lelei e le Atua e leai sona tapula'a mo lou lelei.Ina ua tu lalata i se faiga palota i totonu o Nigeria i ni tausaga ua mavae, sa popole nisi o tagata auā sa foliga mai e matuā lē mautinoa lava. Sa o'u fesili i nisi o i latou, “E te manatu o loo valu le ao o le Atua (tulou) ma fesili ia te ia lava faapea; ‘o le a le mea silisili ona lelei e fai i le taimi lenei?' E leai se mea e tupu e fa'ateia ai le Atua mata'utia, ma e leai se faafitauli tulaga ese sona lavelave e lē mafai e le Atua ona tatala. O tagata uma ma mea uma o tatou vaaia i luga o le fogaeleele e i lalo ifo uma o ona aao auā o i le lagi lona nofoalii ma le lalolagi o le mea e tu ai ona aao (Isaia 66:1).Le au pele e, aua lava ne'i atuatuvale o outou loto i se tulaga foliga faigata ma ua lē mafai ona faafoe. Tu'u atu uma i aao o le Atua e leai se mea na te lē mafaia. O le a ia pulea ma faafoe mea uma ma avatu ia te oe le filemu e silisili lava i mea uma e manatu i ai e leoleoina ai o outou loto atoa ma o outou mafaufau ia Keriso Iesu (Filipi 4;6-7).TataloTamā ou te tu'u atu vaega uma o lo'u olaga i ou aao e leai se tapula'a, faamolemole ia e pulea, i le suafa o Iesu, Amene.

Ireland are due to face Israel in the UEFA Nations League in September. While many people are taking it at face value as a sporting event, others feel that this game should not go ahead, and that the Irish team should boycott this match in support of Palestine.On the back of this, many people will stage a protest today for the FAI to pull out of this game.We want to know, what do our listeners think? Should we go ahead with this match?Joining Andrea to discuss is Freelance Sports Journalist, Daniel Hussey, as well as listeners.

Sei pronto a metterti alla prova? Fai subito il QUIZ: https://bit.ly/4rl2v0bIn questo podcast vediamo insieme come usare correttamente PER e DA, due preposizioni semplicissime all'apparenza, ma che creano tantissimi dubbi anche a livelli avanzati.Ti spiego tutto con esempi chiari, pratici e realistici, così potrai finalmente capire la logica dietro queste due preposizioni.Capitoli del podcast:0:00 - Introduzione0:36 - PER3:49 - DA6:01 - PER e DA nel tempo7:45 - Confronto9:02 - Conclusione

Admiral Rickover — America's most famous, perhaps most influential admiral of the second half of the 20th century. To discuss his unbelievable life story, dramatic impact on the Cold War, and implications for the future of what the U.S. government should do when it tries to build hard things, we have two guests — Charles Yang, founder of the Center for Industrial Strategy, who also does AI science work at Renaissance Philanthropy, and Emmett Penney of FAI. We discuss: Rickover's immigrant origin story from Polish village to almost being deported at Ellis Island and his improbable path into the Naval Academy. Drive, discipline, expertise, and how Rickover bent Washington to his will. Rickover as tyrant, teacher, technocrat — what his contradictions reveal about leadership, power, and effectiveness. Why Rickover matters now — nuclear revival, defense procurement reform, engineers vs. lawyers, and a major archival digitization effort. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jack Horgan-Jones and Harry McGee join Hugh Linehan to look back on the week in politics:· This week saw the European Parliament approve a € 90 billion package to support Ukraine in its defensive war against Russia. The loan was approved by a comfortable majority, but among those who voted against it were Sinn Féin's two MEPs, Lynn Boylan and Kathleen Funchion. The decision to oppose the measure put them in the company of the likes of Germany's Alternative für Deutschland, Hungary's Fidesz and France's Rassemblement National.· The Government has made a U-turn on the regulation of short-term lets here. After consultation with the tourism industry, Minister for Enterprise Peter Burke decided to change the previous plan to restrict such lets in towns with populations of more than 10,000 to populations of at least 20,000, this move would effectively lift the threat of regulation from potentially thousands of Airbnbs across rural towns here.· The mood was buoyant at the Social Democrat national conference in Cork with the afterglow of Catherine Connolly's presidential election win in evidence, along with polls showing the party has begun to put daylight between itself and the Greens and Labour, who occupy the same political space. Are they about to spearhead a united left movement ahead of the next general election?· Plus, sport and politics collide ahead of the Republic of Ireland's Nations League fixtures against Israel in the autumn. There have been calls for a boycott, but the FAI confirmed on Thursday that the matches would go ahead as planned. Would you like to receive daily insights into world events delivered to your inbox? Sign up for Denis Staunton's Global Briefing newsletter here: irishtimes.com/newsletters/global-briefing/ Hosted on Acast. See acast.com/privacy for more information.

Admiral Rickover — America's most famous, perhaps most influential admiral of the second half of the 20th century. To discuss his unbelievable life story, dramatic impact on the Cold War, and implications for the future of what the U.S. government should do when it tries to build hard things, we have two guests — Charles Yang, founder of the Center for Industrial Strategy, who also does AI science work at Renaissance Philanthropy, and Emmett Penney of FAI. We discuss: Rickover's immigrant origin story from Polish village to almost being deported at Ellis Island and his improbable path into the Naval Academy. Drive, discipline, expertise, and how Rickover bent Washington to his will. Rickover as tyrant, teacher, technocrat — what his contradictions reveal about leadership, power, and effectiveness. Why Rickover matters now — nuclear revival, defense procurement reform, engineers vs. lawyers, and a major archival digitization effort. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Taoiseach has said the Republic of Ireland football team's games again Israel in the UEFA Nations' League should go ahead, and he said the FAI made the correct decision to announce that the fixtures would be fulfilled. Our soccer correspondent Tony O Donoghue.

The FAI has said that it will fulfil its Nations League fixtures against Israel later this year despite previously calling on Uefa to ban the team last year.The association faced pressure on Friday to boycott the ties by some politicians and fans.However, Fine Gael Senator Evanne Ní Chuilinn said the onus should be on global governing bodies to implement sanctions where they see fit.She, alongside sports journalist Kieran Cunningham, speak to Matt on The Last Word about the issue.Hit the 'Play' button on this page to hear the discussion.

Please join us at patreon.com/tortoiseshack Last November, Ireland joined with other countries by publicly calling on UEFA to suspend Israel from international football. So inevitably Ireland has been drawn against Israel in the upcoming Nations League fixtures. Sadly the FAI and Taoiseach Micheal Martin have already said that the games will take place. Joining me to discuss this is one of the founders (alongside Richard Falk and Craig Mokhiber) of Game Over. Israel, Ashish Prashar, and he has a lot to say. Time to stand up to the bullies! For more visit gameoverisrael.com The Cuba Podcast with el Pais Latin American journalist Nicholas Dale Leal is out now here:https://www.patreon.com/posts/patron-exclusive-150664699

Despite a motion last year calling for Israel's ban from UEFA competitions, the FAI last night confirmed it will play the Nations League fixtures against Israel. Sport minister Charlie McConalogue responds. We also hear the views of Stuart Gilhooley, lawyer for the League of Ireland Players & Aodhan O'Riordain, Labour MEP for Dublin

The FAI has confirmed that Ireland will play against Israel in the UEFA Nations League to avoid disqualification. This is despite FAI calls to ban Israel from European club and international competitions. Anton gets reaction to this with Aodhán Ó Ríordáin, Labour MEP and also Daniel Epstein O'Dowd, Spokesperson with Ireland Israel Alliance.

Daniel Lambert joins Eoin Sheahan and Eoin Doyle on the line to give his reaction to the UEFA Nations League draw which saw Ireland drawn in the same group as Israel for the 2026 edition of the competition. Daniel Lambert and Bohemians proposed a motion that the FAI brought forward for Israel to be banned from European competitions, however that was not passed by UEFA.

Daniel Lambert joins Eoin Sheahan and Eoin Doyle on the line to give his reaction to the UEFA Nations League draw which saw Ireland drawn in the same group as Israel for the 2026 edition of the competition. Daniel Lambert and Bohemians proposed a motion that the FAI brought forward for Israel to be banned from European competitions, however that was not passed by UEFA.

Ireland have a 25% chance of drawing Israel in today's UEFA Nations League draw and the FAI have reiterated their plans to fulfil the two fixtures. Shane Coleman was joined by Daniel Lambert, Chief Operating Officer of Bohemian's Football Club to discuss whether the men's national team should participate in the fixture if we draw Israel.

Ireland's Senior Mens international Football team, as members of League B of the Nations League, have been drawn to face Israel, Austria and Kosovo. Some have called for the FAI not to fulfil the fixture, if Ireland were drawn against Israel given the conflict in Gaza in recent years. The FAI confirmed tonight it will honor the fixture . Sports Writer Kieran Cunningham joined Shane and the Hard Shoulder to explain the impact of the draw

Sei pronto a metterti alla prova? Fai subito il QUIZ: https://bit.ly/3ZpFld2In questo podcast scopriamo insieme la storia di una delle famiglie più ricche, potenti e influenti di sempre: i Medici di Firenze. Dalle origini nel Mugello fino al dominio sulla Toscana, passando per la banca più potente d'Europa, il Rinascimento, l'arte e il potere della Chiesa.Parleremo di personaggi fondamentali come Giovanni de' Medici, Cosimo il Vecchio, Lorenzo il Magnifico, dei papi Medici e della fine della dinastia, senza dimenticare il celebre Patto di Famiglia, grazie al quale oggi possiamo ancora ammirare i capolavori di Firenze.Capitoli del podcast:0:00 - Introduzione2:38 - Le origini e Giovanni De' Medici3:34 - Cosimo De' Medici4:56 - Piero e Lorenzo De' Medici6:10 - Il declino della banca e il potere della Chiesa7:02 - La fine della dinastia7:50 - Conclusione

OPEN HEAVENSMATALA LE LAGI MO LE  TOONAI 7 FEPUARI 2026(tusia e Pastor EA Adeboye) Manatu Autu: Taofi Mau Lou Saolotoga 2 (Maintain Your Freedom 2)Tauloto Tusi Paia: Salamo 107:20 “‘Ua ia ‘auina atu lana afioga ma fa‘amālōlō ‘iā i latou ma lavea‘iina ai nai lo latou malaia.”Faitauga - Tusi Paia: 2 Korinito 3:16-18O le tiapolo o se gaoi, o lona uiga a alu atu i se tagata poo se aiga, o lona faamoemoe ia gaoi, fasioti ma fa'aumatia. E ese mai la le fa'amoemoe o Iesu. O Iesu na afio mai ina ia o tatou maua le ola tulu'i (Ioane 10:10). O le asō ou te fia faasoa atu nisi o auala e mafai ai e se tagata ua fa'asa'olotoina mai saisaitiaga a le tiapolo ona taofi ma faatumauina lona sa'olotoga ma fiafia moni I le ola tulu'i sautualasi mai ia Iesu.O se fa'anoanoaga pe afai o se isi ua mae'a fa'asa'olotoina e le aao mata'utia o le Atua ae toe leiloa lona sa'olotoga ona o le vaivai, faatamala poo le valea. E faaumatia tagata pe a leai se poto (Hosea 4:6). E leiloa mea ua o latou maua pe a o latou lē tausisia faiga faavae Paia manaomia e faatumauina ai. O le Alo o le Atua e aumaia le sa'olotoga ma so'ose tasi e tu'u fa'asa'oloto e le Atalii e saoloto faamaoni o ia (Ioane 8:36). E le aumaia e le Atua se fa'asa'olotoga fa'avaitaimi a'o le sa'olotoga moni atoatoa, peita'i e tatau i se uso ua fa'asa'olotoina ona soifua ma ui i le ala o le sa'olotoga.Fai mai 2 Korinito 3:17; o le mea o i ai le Agaga o le Alii o I ai le sa'olotoga. Poo fea lava e I ai le tiapolo, e lagona loa pe vaaia le Agaga o le Alii, ua i ai fo'i ma le sa'olotoga. Ina ia faatumauina lou saolotoga, e ao ona e faataga Agaga Paia e ta'ita'i ia te oe i mea uma e te fai. Avea Ia ma Alii o ou mafaufauga, upu ma amioga. Soosemea e pulea e le Alii e leai se tiapolo e mafai ona tu lata I ai. O le iloa o le Upu moni le isi auala e tumau ai lou sa'olotoga. Fai mai Ioane 8:32; e ao ona outou iloa le upu moni, e tu'u saoloto fo'i outou e le upu moni. E te iloa le upu moni faatatau i le tau na totogi e Iesu ina ia e saoloto? O e savali i lea upu moni? Ina ia tumau ona e ola saoloto e tatau ona e iloa le mea moni i le upu a le Atua ma faatumu ai lou tagata ina ia faapena ona fa'atumulia ai lou loto. O le upu a le Atua o le upu moni lea, ma a e iloa le upu, o le a fa'asa'olotoina ai oe. E ao ona avea le upu a le Atua ma au mea taumafa o aso ta'itasi. Ua fa'aalia mai I le Iosua 1:8; o se ki malosi I le olaga manuia o le mafaufau ma tautalatala I le upu a le Atua I le ao atoa ma le po. Ina ia aua aua ne'i toe pa'i le tiapolo I lou olaga, ia nofo mau le afioga a le Atua i totonu ia te outou i le poto uma lava (Kolose 3:16).Na faamatala Iopu faatatau i lona fa'asilisiliina o afioga a le Atua i le tusi a Iopu 23:12). Le au pele e, o le a le taua o le upu a le Atua ia te oe? O le a le maualuga o lau faamuamua i fa'atonuga ma poloaiga a le Atua? Afai e te mana'o ia tumau le sa'olotoga ua e maua mai le Atua, ia faataga Iesu Keriso e avea ma ou Alii ma ia faamuamua ma faasilisili lana upu i lou olaga. Ina ia tumau lou olaga saoloto, ia e iloa le upu, usitai i le ta'ita'iga a Agaga Paia ma ia mafaufau ma tautalatala i le upu a le Atua e lē aunoa. I le suafa o Iesu, Amene.

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This week we recap FAI in New Orleans and my wonderful week of Gumbo there.

OPEN HEAVENSMATALA LE LAGI MO LE  LULU 4 FEPUARI 2026(tusia e Pastor EA Adeboye) Manatu Autu: Galuega e faia pe a uluitinoina e temoni (Dealing with demonic possession)Tauloto Tusi Paia: Mataio 8:16 “Ua o‘o i le afiafi, ‘ona latou ‘aumai ai lea ‘iā te ia o tagata e to‘atele ‘ua uluitinoina e temoni; ‘ona ia tulia ai lea o agaga i le ‘upu lava, ‘ua fa‘amālōlōina fo‘i e ia o i latou uma nā mama‘i.”‭‭Faitauga - Tusi Paia: Mareko 5:2-20O se tulaga leaga tele pe a uluitinoina se tagata e temoni. E ulufia e temoni se tagata, o mea uma i lona olaga o le a aafia i se tulaga leaga. O tagata e uluitinoina e temoni e matua sauā, e oo ina latou sauāina i latou lava, e pei ona tatou vaai iai i le faitauga mai le Tusi Paia. Peitai, tusa poo le a le leaga ua oo iai lea tagata, e mafai ona faasaolotoina o ia e ala i tatalo ma le Upu a le Atua. E pau fetalaiga a Iesu, ua na o ni nai upu, ona faasaolotoina lea o le tamaloa mai le tuugamau i Katara mai lekeono o temoni na uluitinoina o ia. E leai se mea faigata e le mafai e le Atua ona foia (Ieremia 32:27). E le tilotilo ni temoni i le tulaga o le tagata i le atunuu, aoaoga poo le tamaoaiga tau tupe, e pule faitalia lava i latou i le aofaiga o temoni o le a faaaogaina. Mo se faataitaiga, o le tamaloa mai Katara, sa uluitinoina e le faitau afe o temoni. O Maria le Makatala, na iai le fitu o temoni(Luka 8:2) ae o le tamaloa i le Mareko 1:21-23, e na o le tasi le temoni. Tusa poo le a le tulaga o le osofaiga a le tiapolo e faasagatau ia te oe ma lou aiga, ou te folafola atu, ua faatoilaloina i le suafa o Iesu. Ou te manatua se taimi i le 80s, e masani ona aumai tagata e uluitinoina e temoni i le matou Ekalesia ma e tuu i se fale e tasi, matou te tatalo ai mo latou seia faasaolotoina. E iai se taimi, sa iai se tagata ua amata talaia ona noataga, ua tei i le tamoe i fafo ma alaga, ‘fesoasoani mai ia te au, ua aumaia e latou se tagata leaga ma te nonofo'. E ui e lei faasaolotoina atoatoa lenei tagata, ae ua ee i le fefe ina ua fetaiai ma seisi tagata o loo uluitinoina foi e temoni. Na oo ina faasaolotoina i laua uma mai saisaitiaga a le tiapolo. Poo le a lava le tulaga ua uluitinoina ai se tagata e temoni, e mafai e le Atua Silisili Ese ona faasaoloto ia te ia aua e leai se mea e lē mafaia e ia (Luka 1:37). E tele tala i le Tusi Paia na faasaoloto ai e Iesu tagata mai sauaga a le tiapolo i le fetalai tau lava o se upu. A ia auina atu lana upu, e oo atu ai le faamalologa ma le faasaolotoga. Fai mai le Salamo 107:20 “‘Ua ia ‘auina atu lana afioga ma fa‘amālōlō ‘iā i latou ma lavea‘iina ai nai lo latou malaia.”Ou te tatalo e auina atu e le Atua lana Upu i soo se vaega o lou olaga o loo galue ai le tiapolo, ma e te maua le faasaolotoga i le asō, i le suafa o Iesu. Tusa poo a tulaga o uluitinoina ai se tagata e temoni, e mafai ona faasaolotoina e ala i tatalo ma le mana o le Upu a le Atua, i le suafa o Iesu, Amene. 

Join Matthew Brennan, Ben Symes and David Wilson as they delve into the biggest stories this week in the world of Irish football.Alan Browne has had one of the better seasons of the Irish players in the English Championship and Matthew calls for his inclusion in the next ROI squad.Also Matthew goes through his Irish EFL team of the week, and what players could step up in the future to don the green shirt.Eiran Cashin's resurgence at Blackburn Rovers is a positive but how high is his ceiling?Owen Elding is the latest young prodigy to make the move across to the UK, but did the Bit O'Red get hard done by a measly transfer fee?Jack Moylan has made the move in recent years, and is finding his feet at Lincoln City.There is debate around summer football and the FAI pathways plan.Is there enough investment into football facilities in the country?Do other sports hold too much sway over football in the country, and why can't we all just get along?And with Donald Trump's America continuing to grab the headlines globally, we ponder do we even need to be there at the World Cup in the first place?And as ever, we are looking for your inspiration to help us, fancy getting in touch?You can do so by emailing outsidetheboxotb2026@gmail.com Contact us on socials @offtheball across all our platforms.Or if you want to contact us directly message the @offtheball.football account on Instagram.And as ever, we are on WhatsApp on 087 9 180 180.Become a member and sign up at offtheball.com/join

Join Matthew Brennan, Ben Symes and David Wilson as they delve into the biggest stories this week in the world of Irish football.Alan Browne has had one of the better seasons of the Irish players in the English Championship and Matthew calls for his inclusion in the next ROI squad.Also Matthew goes through his Irish EFL team of the week, and what players could step up in the future to don the green shirt.Eiran Cashin's resurgence at Blackburn Rovers is a positive but how high is his ceiling?Owen Elding is the latest young prodigy to make the move across to the UK, but did the Bit O'Red get hard done by a measly transfer fee?Jack Moylan has made the move in recent years, and is finding his feet at Lincoln City.There is debate around summer football and the FAI pathways plan.Is there enough investment into football facilities in the country?Do other sports hold too much sway over football in the country, and why can't we all just get along?And with Donald Trump's America continuing to grab the headlines globally, we ponder do we even need to be there at the World Cup in the first place?And as ever, we are looking for your inspiration to help us, fancy getting in touch?You can do so by emailing outsidetheboxotb2026@gmail.com Contact us on socials @offtheball across all our platforms.Or if you want to contact us directly message the @offtheball.football account on Instagram.And as ever, we are on WhatsApp on 087 9 180 180.Become a member and sign up at offtheball.com/join

Sei pronto a metterti alla prova? Fai subito il QUIZ: https://bit.ly/4bdQkgGIn questo podcast scopriamo insieme la differenza tra due verbi che creano moltissima confusione in italiano: volerci e metterci.Sono espressioni molto usate nella lingua parlata e spesso sembrano equivalenti, ma in realtà hanno significati e usi diversi.Capitoli del podcast:0:00 - Introduzione1:30 - Volerci2:21 - Esempi3:55 - Metterci4:16 - Esempi5:03 - Differenza 5:20 - Altri esempi6:34 - Conclusione