Podcasts about fifth edition

  Jeremy Crawford, long-time Game Director for Dungeons & Dragons, is officially stepping down from Wizards of the Coast later this month, joining fellow veteran Chris Perkins, who recently departed as Creative Director. Both Crawford and Perkins have been instrumental in shaping the game's highly successful Fifth Edition and have served as the public faces […]

Andrew Beauman brings Sarge and Norma to the table, and we create Harmony together. Sarge, Norma, and Harmony are survivors of a spaceship crash hoping to make it back out of orbit.Andrew and I discuss troupe-style mechanics and playing multiple characters - and how that changes the way we create characters. We discuss finding empathy through TTRPGs and learning that not everything is made for our perspective.These characters are built for Out of Orbit, currently Kickstarting as part of Zine Month.Andrew Beauman is a game designer and artist with a background in graphic design and marketing. His first game was published through Zine Month 2024, titled Battle School. He also co-hosts a podcast called One Shot's Tavern about exploring new ways to tell your story through different games.You can learn more about Andrew at:https://www.characterswithoutstories.com/guests/andrew-beaumanWhat's Your Damage? is a Fifth Edition actual play podcast taking place in a homebrew world based on Filipino mythology.Whatcha Doing? is an interview podcast talking to creative people about the trials, tribulations and triumphs in their projects.Send us a textCover art by The CuriographerInstagram: https://www.instagram.com/thecuriographer Sign up for my Newsletter to stay up-to-date on the podcast:https://dashboard.mailerlite.com/forms/760760/109867356957705889/shareSupport the PodcastYou can find Star at:Website: http://www.characterswithoutstories.comTikTok: https://www.tiktok.com/@starmamacYouTube: https://www.youtube.com/@characterswithoutstoriesThreads: https://www.threads.net/@characterswithoutstoriesInstagram: https://www.instagram.com/characterswithoutstoriesBluesky: https://bsky.app/profile/characterswithoutstories.comFacebook: https://www.facebook.com/characterswithoutstoriesThanks for listening, and may all your characters find their stories!

Let's talk about the 800 pound gorilla in the room… DCC RPG is more popular than ever, played worldwide, being played on a football field in Indianapolis at GENCON… and meanwhile the Fifth edition of the world's most popular RPG is probably more popular now than D&D was at its heyday of the 1970s!  (Especially […]

On this episode of #TheFinestUnfiltered John & Eric sit down with (Ret) NYPD Lieutenant Commander Vernon J. Geberth "The Godfather of Homicide". Vernon Geberth is the author of the famous textbook, Practical Homicide Investigation, which is now in its Fifth Edition. He is also the author of Sex-Related Homicide and Death Investigations and his new book The Godfather of Homicide. Vernon is a world renowned homicide expert and many active and retired detectives and investigators have used his textbook. Link To Purchase Vernons New Book "THE GODFATHER OF HOMICIDE: VERNON J. GEBERTH A COP'S COP" : https://www.amazon.com/GODFATHER-HOMICIDE-SECOND-VERNON-GEBERTH/dp/B0DK6HMZNX/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=&sr= Link To Purchase "Practical Homicide Investigation: Tactics, Procedures, and Forensic Techniques, Fifth Edition (ISSN) 5th Edition" https://www.amazon.com/Practical-Homicide-Investigation-Procedures-Investigations/dp/1482235072/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=&sr= Link to Visit Vernon's Website "Practical Homicide" : https://www.practicalhomicide.com/ For any financial or investment advice please contact LaidLaw Blue at 888-901-2583 (Blue) or visit them online at https://laidlawwealthmanagement.com/laidlaw-blue/  tell them your friends at #TheFinestUnfiltered sent you. Want to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/5689366474915840 #NYPD #NYC #Crime #Politics #Podcast #policepodcast #Cops #JohnMacari #EricDym #VernonGeberth #Homicide

On January 10, 2025, the Division of Federal Employees' Compensation (DFEC) announced significant updates to the Federal Employees' Compensation Act (FECA) Procedure Manual, specifically Chapter 2-0808, addressing schedule awards and permanent disability claims. These updates, outlined in FECA Transmittal 25-03, introduce changes aimed at enhancing fairness and efficiency in the claims process. The Office of Workers' Compensation Programs (OWCP) recently introduced updates to its impairment rating system, aiming to create a more equitable and comprehensive approach for injured federal workers. These changes seek to balance medical assessments and rating methodologies, ensuring that workers with complex or unique cases receive fair evaluations. This balance directly benefits injured workers by accommodating conditions that may not fit traditional assessment models, allowing for more individualized determinations that better reflect their true level of impairment.These changes mark a significant step toward a fairer system that recognizes the full impact of workplace injuries, ultimately benefiting workers who rely on impairment ratings for their compensation and long-term financial stability.1. Introduction of Forma new  CA-9 ( click on link for the form) I will provide the link on the podcast landing page.    - The Office of Workers' Compensation Programs (OWCP) has introduced Form CA-9, which must now be used to file for schedule awards. Form CA-7 will no longer be accepted for this purpose and will remain dedicated solely to filing for disability compensation.   - This streamlined approach ensures clarity and precision in the schedule award claims process.2. Flexibility in AMA Guides   - OWCP now permits the use of either the Fifth Edition or the Sixth Edition of the American Medical Association's (AMA) Guides to the Evaluation of Permanent Impairment for impairment ratings.For more information click on  transcript and links:The podcast Dr. Taylor's contact information is: https://fedcompconsultants@protonmail.com If you need a medical provider or assistance with an OWCP /  DOL claim in Tampa, Pensacola Florida or Mobile Alabama    you can make an appointment to see Dr. Taylor, or Dr. Sullivan   at the clinic at  FWC Medical Centers. To make a consultation with Dr. Taylor  call the clinic at 813-215-4356 or go  to our website at https://mrtherapycenter.com/or https://fedcompconsultants.com/Send us a textFEEDSPOT TOP 10 National Workers Compensation Podcast: https://podcast.feedspot.com/workers_compensation_podcasts/?feedid=5557942&_src=f2_featured_email

Joe Wolfe, Attorney, Hall Render Killian Heath & Lyman PC, speaks with Laura Laemmle-Weidenfeld, Partner, Jones Day, about some of the key health care fraud and abuse trends from 2024 and what to expect in 2025. Laura is the author of the 2024 Cumulative Supplement to the Fifth Edition of AHLA's Legal Issues in Health Care Fraud and Abuse. From AHLA's Fraud and Abuse Practice Group.Watch the conversation here.AHLA's Health Law Daily Podcast Is Here! AHLA's popular Health Law Daily email newsletter is now a daily podcast, exclusively for AHLA Premium members. Get all your health law news from the major media outlets on this new podcast! To subscribe and add this private podcast feed to your podcast app, go to americanhealthlaw.org/dailypodcast.

Conesy and Suzanne are joined by Alphinius Goo and Camera Mandi from Gooey Cube to talk about Dungeons and Dragons, Gooey Cube, GMing, and more. Find out about the world of Zyathe and why Conesy and Suzanne enjoy playing games in the setting that is produced by Gooey Cube. You can likely pick up any of these games at your local game store. Of course, support your local game store. If you don't have a local game store, support ours! * Noble Knight Games: https://www.nobleknight.com/ * Misty Mountain Games: https://www.mistymountaingames.com/ Subscribe and Listen to the WiscoDice Tabletop Gaming Podcast: * Subscribe on iTunes: https://podcasts.apple.com/gh/podcast/wiscodice/ * Subscribe on Google Podcasts: https://podcasts.google.com/feed/aHR0cDovL3dpc2NvZGljZS5jb20vcnNzL3dpc2NvZGljZXJzcy54bWw * Subscribe on Audible Podcasts: https://www.audible.com/pd/Podcast/B08JJP2YNR * Subscribe on Spotify: https://open.spotify.com/show/4Vzy8kFT0oC2YrXvNB5R6T * Subscribe on Stitcher: https://www.stitcher.com/show/wiscodice Please also follow us on our social networks * Facebook: https://www.facebook.com/WiscoDice * Twitter: https://twitter.com/WiscoDice * Instagram: https://www.instagram.com/wiscodice/ * WiscoDice Discord: https://discord.gg/mD4Fw8gMZF

Joe Wolfe, Attorney, Hall Render Killian Heath & Lyman PC, speaks with Robert S. Salcido, Partner, Akin Gump Strauss Hauer & Feld LLP, about the current landscape of the False Claims Act (FCA) in the health care industry. They discuss the recent district court opinion declaring the FCA's qui tam provisions unconstitutional (Zafirov v. Florida Medical Associates LLC), enforcement trends and case law developments, the impact of Loper Bright, trends related to Civil Investigative Demands and self-disclosures, and emerging hot topics. Robert is author of AHLA's False Claims Act & the Health Care Industry, Fifth Edition. From AHLA's Fraud and Abuse Practice Group.Watch the conversation here.To learn more about AHLA and the educational resources available to the health law community, visit americanhealthlaw.org.

Reflections on Mountaineering: A Journey Through Life as Experienced in the Mountains (FIFTH EDITION, Revised and Expanded) with Addendum by Alan V. GoldmanPresented as one hundred thirty-eight narrative-style poems, some of which are rhyming and others are in prose or blank verse, Reflections on Mountaineering, A Journey Through Life as Experienced in the Mountains, a FIFTH EDITION, Revised and Expanded summarizes much of what the author, Alan V. Goldman, learned in his more than 30 years of climbing, either from personal experience, or from his mountaineering peers. Mr. Goldman came to realize that many of the same moral issues that confront us in everyday life are likewise present in the high mountains, only to a sharper degree. Still, many of the poems reflect on themes and situations that are peculiarly prominent in the mountain environment. Collectively, the poems constitute a "meditation" on the nature of reality itself as perceived in the context of exploring the limits of human understanding and achievement. Musing on topics such as awe and wonder, fear and how to confront it, the lure of the big mountains, as well as the role of luck, fate and chance, Mr. Goldman makes accessible to the general public the otherwise "hidden" truths that mountaineers often experience. Further, many of the poems address the human perception of reality in the context of the meaning of life itself, and of how climbers impart meaning to the mountains by the very act of climbing them. Other poems deal with the need to confront a mountain's challenge, the varying perception of time's passage in the mountains, a climber's insight and situational awareness in the mountain arena, dealing with the force of a mountain's presence, and the power of a mountain's reality. There's also the phenomenon of the interrelation of these and other topics in a single experience as reflected in any given poem.Winner 2022 Pacific Book Awards.Alan V. Goldman is a graduate of Horace Mann School, 1975; Harvard College, 1979; and Harvard Law School, 1982. In addition to his mountaineering adventures, he practiced law for many years, and is now retired. Visit the author's website: mountainreflections.art - where many additional poems by the author are recorded in his own voice.https://www.amazon.com/Reflections-Mountaineering-Experienced-Mountains-Expanded/dp/1778830552/ref=sr_1_1?crid=2XNL4Z5U50BUS&dib=eyJ2IjoiMSJ9.6lOEdkyDnGVJMZALghY48iHmmyKB3fdf-S_nkKcZJWlzh_SMli3gjEOZg6wxNs0fwqCRvezfNvnmW6p0V8pMC2vGlUoR6p8nJnnNzLwhnD6AigIodKH3g2ZNzQy0AG3y2OeVuxK2UazIlkS4iZZvO-pAATjDrKb5vX5V1zFADHl4GrbUw4hd3O4lXREoQ352RXuIDeTp6po8lglf6qP0lRbaspdifURb2DS1BhfAiX8.JBs0oH4QOAiQG3jpY5C07ni8GYBzmTKIjVWMFs2GFec&dib_tag=se&keywords=Alan+V+Goldman&qid=1730728560&sprefix=%2Caps%2C313&sr=8-1https://www.mountainreflections.art/homehttp://www.KingPagesPress.comhttp://www.bluefunkbroadcasting.com/root/twia/11724agoldman.mp3  

1025. Have you ever wondered where meeting terms like “quorum” or “proxy” come from? In this episode, Jim Slaughter looks at the linguistic origins and historical contexts of these and other common parliamentary words. We discuss the evolution of words like “bylaws,” why minutes aren't related to time,  how “filibuster” is connected to pirates, and why “majority” is often misunderstood.Jim Slaughter is an attorney, Certified Professional Parliamentarian, Professional Registered Parliamentarian, and past President of the American College of Parliamentary Lawyers. He is the author of four books on meeting procedure, including two recent books updated for the new Robert's—Robert's Rules of Order Fast Track and Notes and Comments on Robert's Rules, Fifth Edition. Jim has served as Parliamentarian for many of the largest associations in the world. An array of charts and articles on Robert's and meeting procedure can be found at www.jimslaughter.com.

Mark Stinnett joins the show to discuss his extensive involvement with and dedication to Philmont Scout Ranch and Scouting alike.  We chat about his role as the Editor of the award winning PSA High Country magazine, his experiences on Ranch Committee, several wild backcountry bear encounters, and more.  We also highlight the PTC Course that Mark Stinnett and Mark Anderson have led each summer since 2022, called "Philmont History - The Land, The People, The Saga."Philmont Experience:Ranger (1975)Program Counselor (Western Lore), Beaubien (1976)Camp Director, Clarks Fork (1977)Camp Director, Harlan (1978)Trek Advisor (1979 and 2013)Kanik Trek Advisor (2011)Member, National Camp Inspection and Assessment Teams (various, 2000-2018)Member, Rayado Restoration Task Force (2010-2014)Member, Valle Vidal Task Force (2004-2006)Conference Chair and Faculty Member, PTC Fall Conference – Outdoor Programs (2010)Philmont Staff Association (Life Member):President (1994-1997)National Director (1990-1993)Editor, High Country Magazine (1998-2008; 2016-present)Chair, Awards & Recognition Committee (2017-present)Chair, Presidents Committee (2004-2016)Chair, PSA Staff Dining Hall Capital Campaign (1997-2000)Chair, Valle Vidal Task Force (2004-2006)Ex Officio Member, Board of Directors (1998-2008 and 2017-present)Philmont Ranch Committee (1998-2019)Chair, Program & Camping Task Forces (2003-2019)Co-Chair, Strategic Planning Task Force (2017-2019)Member, Risk Management Task Force (1998-2002)Member (Legal Advisor), Infirmary Task Force (2000-present)Instructor, Risk Management Training for Backcountry Camp Directors (2005-2021) andSeasonal Staff Leadership (2022-2023)Faculty for PTC Course: Philmont History: The Land, The People, The Saga (2022-present)Distinguished Service Award, Philmont Staff Association (first ever awarded, 2009)Silver Sage Award for service to Philmont (2011)National Outdoor Book Awards “Work of Significance” Recognition for Fieldbook: Scouting'sManual of Basic and Advanced Skills for Outdoor Adventure, Fifth Edition (2014)Apex Awards for Publication Excellence for High Country Magazine (2018, 2020, 2022)Apex Grand Award for Publication Excellence for High Country Magazine (2024)Notable Mentions:Dave CaffeyChope PhillipsDave BatesGlenn FowlerCarole Fowler StinnettBill SpiceDawn ChandlerMark AndersonDanny TuckerDave WerhaneJulie PuckettLela Murphy Chuck PilmooreNeil ArmstrongBuzz AldrinEugene SermonGordan CooperBill FanningWarren SmithFrank ReiglemanBob BurkbeeRod TaylorSupport the Show.

The March of Campaigns continues! Every single official 5e Dungeons and Dragons adventure, module, and anthology will be reviewed and ranked. Dungeon Masters will weep. Players will laugh. The end of Fifth Edition is nigh.  Subscribe to the DMofNone Patreon where you can watch the video version of this episode in addition to all our bonus episodes and homebrew!  https://www.patreon.com/DungeonMasterOfNone  Join the DMofNone Discord! Music: Pac Div - Roll the Dice. Previous reviews and advice for running 5e modules: Curse of Strahd https://dmofnone.libsyn.com/episode-32-tfw-no-goth-gf-curse-of-stahd-review  Waterdeep: Dragon Heist https://dmofnone.libsyn.com/ep-45-water-heist-deep-dragon  Ghosts of Saltmarsh https://dmofnone.libsyn.com/ep-75-ghosts-of-saltmarsh-review  Balder's Gate: Descent into Avernus https://dmofnone.libsyn.com/episode-92-2fast-2avernus  Lost Mine of Phandelver https://dmofnone.libsyn.com/episode-120-lost-mine-of-phandelver  Icewind Dale: Rime of the Frostmaiden (Pt 1) https://dmofnone.libsyn.com/138-rime-of-the-frostmaiden-part-1  Icewind Dale: Rime of the Frostmaiden (Pt 2) https://dmofnone.libsyn.com/139-rime-of-the-frostmaiden-part-2  Candlekeep Mysteries (Pt 1) https://dmofnone.libsyn.com/157-candlekeep-mysteries-part-one  Candlekeep Mysteries (Pt 2) https://dmofnone.libsyn.com/159-candlekeep-mysteries-part-two  The Wild Beyond the Witchlight https://dmofnone.libsyn.com/187-the-wild-beyond-the-witchlight  Strixhaven: Curriculum of Chaos https://dmofnone.libsyn.com/199-strixhaven-part-2-running-the-adventure  Call of the Netherdeep https://dmofnone.libsyn.com/216-call-of-the-netherdeep-review  Journeys Through the Radiant Citadel (Pt 1) https://dmofnone.libsyn.com/229-journeys-through-the-radiant-citadel-part-1  Journeys Through the Radiant Citadel (Pt 2) https://dmofnone.libsyn.com/230-journeys-through-the-radiant-citadel-part-2  Spelljammer: Light of Xaryxis https://dmofnone.libsyn.com/233-light-of-xaryxis  Dragonlance: Shadow of the Dragon Queen https://dmofnone.libsyn.com/247-dragonlance-shadow-of-the-dragon-queen  Planescape: A Turn of Fortune's Wheel https://dmofnone.libsyn.com/285-a-turn-of-fortunes-wheel  Vecna: Eve of Ruin (Pt 1) https://dmofnone.libsyn.com/310-vecna-eve-of-ruin-part-one  Vecna: Eve of Ruin (Pt 2) https://dmofnone.libsyn.com/311-vecna-eve-of-ruin-part-2  Quests from the Infinite Staircase (Patreon Only Episode) https://dmofnone.libsyn.com/teaser-quests-from-the-infinite-staircase 

John Carter, science fiction's original and greatest hero, returns in a multi-cast audio drama starring Sean Patrick Flanery of Young Indiana Jones and The Boondock Saints in the title role! We're also offering a role-playing game supplement compatible with both the Fifth Edition of the world's most popular RPG and OSR ("Old School Revival") rules, digital download of the audio drama, a double CD set with Frank Frazetta art, a foldable map of Barsoom, limited-edition novels published in English and native Barsoomian (Martian), and the first-ever plush of John Carter's loyal companion, Woola™! Join the adventure by pledging to John Carter of Mars®: The Audio Series!   Support this Kickstarter HERE https://www.kickstarter.com/projects/pocketuniverseprod/john-carter-of-mars-the-audio-series-w-5e-rpg-and-woola-plush ++++++++++++++++++++++++++++++++++++++++++++++++++ One easy way to support this show is to rate and review Go Fund This wherever you listen to our podcast.  Those ratings really help us and help others find our show. Go Fund This is produced and edited by Rob Southgate for Southgate Media Group.  Find Go Fund This at: southgatemediagroup.com twitter.com/rsouthgate facebook.com/gofundthispodcast patreon.com/southgatemediagroup Follow our parent network on Twitter at @SMGPods Make sure to follow SMG on Facebook too at @SouthgateMediaGroup Learn more, subscribe, or contact Southgate Media Group at www.southgatemediagroup.com.   Check out our webpage at southgatemediagroup.com If you're an artist or writer or creative type that would have a table at in artist alley and would like to be on Go Fund This, message us through the Facebook page or email us directly at rob@alleychatspodcast.com  

MDLBEAST's Soundstorm festival, returning to rock Banban, Riyadh from Dec. 12–14 for its fifth edition, announced superstar rapper Eminem as its headline act. Listen to #Pulse95Radio in the UAE by tuning in on your radio (95.00 FM) or online on our website: www.pulse95radio.com ************************ Follow us on Social. www.instagram/com/pulse95radio www.facebook.com/pulse95radio www.twitter.com/pulse95radio

Fetter checks in with his aunt about the new guests at the Fallhold, Yewsiff checks in on a much more healed Esvele, and both of them check in with Taslinn to take next steps.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/SeFQKmaAYMDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

After squaring away a healing session for Esvele, the party makes their way back to Hous to deal with Taslinn's Cheshire problem.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/SeFQKmaAYMDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

The party rejoins and has a much-needed heart-to-heart, and then Esvele drops a bombshell about Skypoint's missing “King.”-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRbDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

While the party recovers from their narrow escape from the Beauteous Few's headquarters, Yewsiff makes communion with Eldath.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRbDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

FSF PopCast REPLAY Originally aired 10/16/23 We are joined by authors of the latest Dungeons and Dragons reference work "Lore and Legends: A Visual Celebration of the Fifth Edition of the World's Greatest Roleplaying Game" Kyle Newman, Jon Peterson, and Sam Witwer are here to discuss RPGs, their books, tabletop games, and more! Add your DND / RPG questions to the chat and we will try to get them on screen for Kyle, Jon, and Sam to answer. Buy "Lore and Legends: A Visual Celebration of the Fifth Edition of the World's Greatest Roleplaying Game" here - https://amzn.to/46QgTTP For more on our guests, please visit their social media pages Kyle Newman - @kyle_newman on X / Twitter Jon Peterson - @docetist on X / Twitter Sam Witwer - @SamWitwer on X / Twitter For more on our show partners - Storylines Video Editor - https://www.storylines.video Tee See Tee (Use Code FSF15) - www.teeseetee.com Monkey Cult Coffee (use code FSF10) - https://monkeycultcoffee.com/ Level Up Sabers https://bit.ly/FSFLevelUpSabers Win free loot - sign up here - www.fsfpopcast.com/contact Tim Beisiegels articles - https://couchsoup.com/author/byeseagull For more on our Show - Join our Patreon https://patreon.com/fsfpopcast Join our Discord! https://discord.gg/cpry4fCDTq Visit our website - https://www.fsfpopcast.com FSF PopCast on Twitter, Instagram, and Threads - @fsfpopcast

FSF PopCast REPLAY Originally aired 10/16/23 We are joined by authors of the latest Dungeons and Dragons reference work "Lore and Legends: A Visual Celebration of the Fifth Edition of the World's Greatest Roleplaying Game" Kyle Newman, Jon Peterson, and Sam Witwer are here to discuss RPGs, their books, tabletop games, and more! Add your DND / RPG questions to the chat and we will try to get them on screen for Kyle, Jon, and Sam to answer. Buy "Lore and Legends: A Visual Celebration of the Fifth Edition of the World's Greatest Roleplaying Game" here - https://amzn.to/46QgTTP For more on our guests, please visit their social media pages Kyle Newman - @kyle_newman on X / Twitter Jon Peterson - @docetist on X / Twitter Sam Witwer - @SamWitwer on X / Twitter For more on our show partners - Storylines Video Editor - https://www.storylines.video Tee See Tee (Use Code FSF15) - www.teeseetee.com Monkey Cult Coffee (use code FSF10) - https://monkeycultcoffee.com/ Level Up Sabers https://bit.ly/FSFLevelUpSabers Win free loot - sign up here - www.fsfpopcast.com/contact Tim Beisiegels articles - https://couchsoup.com/author/byeseagull For more on our Show - Join our Patreon https://patreon.com/fsfpopcast Join our Discord! https://discord.gg/cpry4fCDTq Visit our website - https://www.fsfpopcast.com FSF PopCast on Twitter, Instagram, and Threads - @fsfpopcast

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.When people think of tax-advantaged financial assets, they often think of ROTH accounts and municipal bonds. It's often acknowledged that life insurance has preferential tax treatment, but just as often dismissed because of what they think they know about permanent life insurance.In today's episode, John Montoya will convey to you why you should not gloss over the tax advantages of whole life insurance!EPISODE HIGHLIGHTS:00:18 Exploring the Triple Tax Exempt Status of Whole Life Policies02:07 Deep Dive into Roth IRAs: Pros, Cons, and Tax Benefits04:32 Municipal Bonds: Investing Locally with Tax Exemptions06:42 The Power of Whole Life Insurance: A Comprehensive Guide11:24 Navigating the Negatives: Whole Life Insurance Limitations15:28 Strategic Financial Planning with Whole Life Insurance----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In this episode, I was a guest on the Wealth Warehouse podcast with Dave Befort and Paul Fugere and also joined by Brandon Goswick and Nate Dean, hosts of Cash Flow Legendz.These are a few of my inner-circle Authorized IBC Practitioner colleagues who were all in attendance at this year's Infinite Banking Think Tank, hosted by the Nelson Nash Institute in Las Vegas.In this episode, you'll hear some great insights, highlights, and takeaways from the event by some of my favorite IBC Practitioners.Wealth Warehouse -- [CAPTIVATE]Cash Flow Legendz -- [PODBEAN]Episode Highlights:(03:00) Nate Dean: The IBC Community's giving nature and importance of the death benefit(05:00) John Perrings: The challenge and reaffirmation of the IBC brand(07:00) Plan vs. a lifestyle(09:00) Brandon Goswick: reflections on the inevitability of death and the practitioner's role in clients' lives(11:00) The emotional and financial relief that whole life insurance provides to grieving families(13:00) The importance of genuine connection with clients and the unique assurance whole life insurance offers.(15:00) Emphasizing the mutual aspect of whole life insurance and the collective benefit it brings.(19:00) Dave Befort: "I need to increase my premium!"(21:00) Investment risk vs whole life security(23:00) The value of adding a 'pause' before accessing policy loans(27:00) The importance of building a strong financial foundation before pursuing other investments(29:00 Dave Befort: "Again, I need to pay more premium!"----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In this episode, we get into the essential attitudes that set buyers up to get the most out of their whole life insurance policy.Not surprisingly, they match up to those needed to practice The Infinite Banking Concept™!Curiosity and Courage are key drivers to cutting through all the noise in the financial world so that you can have the ultimate control over your financial life and become your own banker.Episode Highlights:[01:00] Curiosity and courage as essential mindsets for starting whole life insurance.[02:00] Overcoming misconceptions about life insurance.[04:00] Whole life insurance as a distinct asset class and its benefits.[06:00] Exploring additional benefits of whole life insurance for retirement income.[08:00] The importance of locking in your insurability and cost basis.[10:00] The long-term approach and strategic value of whole life insurance.[12:00] Using whole life insurance for smart leverage and wealth creation.[14:00] Countering typical financial advice and the value of whole life insurance.[16:00] The importance of being your own advocate and taking informed action.[18:00] Clarifying cost basis and the uniqueness of whole life insurance.[20:00] Real-life impact and the significance of understanding your policy.[22:00] Misconceptions about policy design and the inherent value of whole life.[24:00] The role of curiosity and courage in discovering and utilizing whole life insurance.[26:00] Emphasizing the guaranteed aspect of whole life insurance and its contrast with other financial strategies.[28:00] No luck required: Whole life insurance as a surefire asset.----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Today we talk with Loren Small, the creator of "Born from Ice," a 5E-compatible setting with a few twists. It's a complete tabletop setting that's built on Fifth Edition but takes place on Paleolithic Earth. All cavepeople, all the time. Oh, and I should probably mention that there's no magic, so everything is harder. It has some other cool aspects like generational play. BFI's Kickstarter launches Tuesday, March 5 and you can check it out here (once it's live). It's coming with a core rule book, a bestiary, and an adventure path. I was excited about it even before talking with Loren, so it was great to hear how BFI came to be and learn about Loren's path to creating it. GET OUR MONTHLY GAMING NEWS NEWSLETTER:  https://goblinsandgrowlers.beehiiv.com/subscribe SUBSCRIBE TO THE YOUTUBE CHANNEL: https://www.youtube.com/channel/UCtSPHOe-0jQARPpxvi0xgHQ JOIN 800+ GOBLINS ON OUR DISCORD:  http://bit.ly/goblindiscord Don't forget the usual: Telephone, Telegraph, Tell a Friend about the Goblins and Growlers Podcast. ----more---- LISTEN, RATE, AND SUBSCRIBE! If you like the show, please tell a friend about it. And if you want to tell more people, then please leave us a review on Apple Podcasts and/or your podcatcher of choice. You can find and/or support us at all the places below: https://instagram.com/WayOfBrandolore https://patreon.com/goblinsgrowlers https://facebook.com/GoblinsAndGrowlers https://goblinsandgrowlers.podbean.com (and basically any other podcatcher) https://quidproroll.podbean.com (our sister podcast, the best narrative play) The Goblins and Growlers Podcast is produced by Goblins and Growlers, a Richmond, Virginia-based tabletop-roleplaying game content and events company dedicated to inclusivity through TTRPGs. 

Fight time! The party rescues Taslinn's friend, but not without having to fight a colorful band of assassins while making their escape.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRb--- MUSIC ---Malicious by Kevin MacLeodLink: https://filmmusic.io/song/4014-maliciousLicense: https://filmmusic.io/standard-licenseDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In this week's episode, we compare policy loans from a whole life insurance policy vs. margin loans. When discussing policy loans used with the Infinite Banking Concept™, sometimes people will be dismissive of the strength of policy loans because they have the ability to borrow on margin aginst the value of their stocks.But policy loans vs margin loans are an apples-to-oranges comparison.We compare the following:Reliance on third-party creditLoan-to-value (LTV) ratiosThe typical underlying assumptions used when choosing margin loans ---EPISODE HIGHLIGHTS:[01:00] Third-Party Risk Discussion[08:00] Risks of Margin Loans[09:00] Loan to Value Ratios Explained[12:00] Control and Safety with Policy Loans [16:00] Assumptions in Credit Analysis[21:00] Foundation of Financial Strategies----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In this episode, we talk with Walter Young, co-author of The Fifth Option, about a transformative approach to retirement income planning.Walter challenges typical retirement planning and the "4% Rule" and offers solutions to live a plentiful retirement based on predictable income.When you only have one shot at this, cash flow beats "balance sheet" (aka "B.S.") retirement planning every time.The best part is that if you're practicing IBC, you're already on the right path.Visit Walter at www.TheFifthOption.com---EPISODE HIGHLIGHTS:[02:44] The "B.S." retirement plan and the shift from "balance sheets" to cash flow[09:48] The desert island dilemma - How long does your water need to last?[06:45] The Fifth Option - alleviate retirement constraints[16:14] Pensions and private pensions[21:14] The role of life insurance[30:54] Beat the Bear strategy: navigating market volatility in retirement----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.Today's episode is for those spouses looking for ways to get their significant other on board with The Infinite Banking Concept. Let's work together to get some financial harmony in our lives!As Montoya puts it, IBC is a "common sense test," not an "IQ test." Whole life insurance is just another asset class that happens to be really good at building financial foundations.So all you and your significant other need are open minds to understand how IBC will put safety, liquidity, and control at your fingertips.---EPISODE HIGHLIGHTS:[03:00] Key requisites for spousal agreement on IBC[06:00] The paramount importance of protection in financial planning[08:00] Reclassifying what most of us consider "traditional"[12:00] Real estate and stock market investments vs. IBC safety[15:00] The principle of financing everything you buy[18:00] The illusion of FDIC insurance and the reality of bank solvency----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In today's episode, we get into a trend we've observed in the realm of whole life insurance. That is combining whole life with a specific strategy or investment during the buying process.We explore how the allure of clubs, strategies, and investment groups can sometimes sidetrack individuals from the fundamental principles of IBC, pushing them towards investment-centric strategies that might not align with their initial goals. Our discussion highlights the critical importance of focusing on the core message of becoming your own banker.Understanding the tradeoffs and risks of prioritizing early cash value, over-leveraging through loans, and over-committing on premium amounts is an absolute must.Join us as we reinforce the essence of IBC and the significance of building a solid financial foundation for the long term.---EPISODE HIGHLIGHTS:[05:00] Discussion on the core message of becoming your own banker.[12:00] Examination of early cash value and loan maximization.[16:00] The potential risks of overextending premium amounts.[21:00] Maintaining the insurable need and protecting family interests is important.----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In episode 92, we will talk about "the banking function," a true revelation by Nelson Nash, and before the release of "Becoming Your Own Banker," unfathomable to the average working man.Glossing over this core IBC principle can result in missed opportunities to capture the spread as "the bank" between your cost of money and the market interest rate.So tune in to learn more!---EPISODE HIGHLIGHTS:[00:02:00]: Discussion on the problem of traditional banking systems[00:03:00]: Exploring the need for personal financing solutions[00:05:00]: How conventional financial advice leads to control issues[00:06:00]: Addressing the constantly moving goalpost of typical retirement planning[00:07:00]: "You finance everything you buy"[00:09:00]: The limitations of cash spending in building wealth[00:11:00]: Necessity of being strategic with capital[00:13:00]: How much cash value is needed for personal banking[00:15:00]: Identifying the financial problem as a foundational step[00:17:00]: The importance of starting the infinite banking process[00:19:00]: Shifting focus from investments to becoming your own banker----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In Episode 91, we debunk some of the most common misconceptions perpetuated in the world of financial planning.Join us as we get into some myths about:401k and IRA deductionsThe sole purpose of life insuranceMisunderstood commission structuresThe 4% withdrawal ruleAnd the traditional 60/40 stock-bond allocation.EPISODE HIGHLIGHTS:[00:01:00] - Introduction and discussion on the first myth regarding 401k and IRA contributions and the misconception about tax deductions.[00:03:00] - Insights on who benefits from investments in qualified plans and the concept of the "lobster trap" in financial planning.[00:05:00] - Examination of the use of whole life insurance policies for liquidity and control, as opposed to the limitations of 401k plans.[00:07:00] - Analysis of the perspective on term insurance, its limitations, and the advantages of whole life insurance.[00:09:00] - Discussion on life insurance policy commissions and their comparison with assets under management fees.[00:11:00] - Exploration of the 4% withdrawal rule as a retirement strategy and its practical challenges.[00:13:00] - Explanation of how whole life insurance can enhance the 4% rule for more secure retirement income.[00:15:00] - Debunking the myth of the 60/40 stock-bond allocation, including challenges faced in the bond market.[00:17:00] - Argument for using whole life insurance as a risk transfer tool, superior to traditional bond investments.[00:19:00] - Critique of conventional wisdom around life insurance commissions.[00:21:00] - Discussion of the real purpose of term insurance and the historical perspective of life insurance sales strategies.[00:23:00] - Final thoughts on understanding financial planning myths and the value of whole life insurance in a diversified financial strategy.----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERYVideo mentioned in the episode: WILL A RECESSION WIPE OUT ETF LIQUIDITY?----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In Episode 90, we talk about why whole life insurance is the ultimate cash asset. This episode sheds light on the best places for your money, explores the Economic Value Added nature of whole life insurance, and challenges common misconceptions about its role in financial planning.Tune in to transform your understanding of whole life insurance from a mere death benefit to the ultimate cash asset that makes everything you're already doing work even better.EPISODE HIGHLIGHTS:00:55 Origins of the concept of "Cash"02:50 Understanding Insurance as a cash asset03:52 A Growth mindset should take cash into account04:16 Hidden Benefits of Whole Life Insurance05:55 The Importance of an Emergency Fund06:29 Cash and Market Volatility08:16 The Best Places to Keep Cash08:48 The Power of Whole Life Insurance for Emergencies16:04 Infinite Banking 101: You Finance Everything You Buy18:02 Cash as a Symbol of Freedom----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Bath time! Having put the Fallhold on hold, our heroes take to the bathhouses of Skypoint to try and locate Taslinn's captured friend.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRbDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

Joe Wolfe, Attorney, Hall Render Killian Heath & Lyman PC, speaks with Laura Laemmle-Weidenfeld, Partner, Jones Day, about some of the key health care fraud and abuse trends from 2023 and what to expect in 2024. Laura is the author of the 2023 Cumulative Supplement to the Fifth Edition of AHLA's Legal Issues in Health Care Fraud and Abuse. From AHLA's Fraud and Abuse Practice Group.Watch the conversation here.To learn more about AHLA and the educational resources available to the health law community, visit americanhealthlaw.org.

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In episode 89, we explore the secret behind why using whole life insurance for IBC really works.Using the Law of Large Numbers and the principles of actuarial science, mutual insurance companies, with their thousands of policy-owning stakeholders, hold the key to the benefits of whole life and IBC.As a policy owner, you're a part-owner of the mutual company. Being an owner of a company is not just about you and what your policy can do for you. It's about you and all the other policy owners working together in a corporate body. It's precisely this that gives whole life insurance its superpowers.EPISODE HIGHLIGHTS:01:02 The Role of Mutual Insurance Companies in IBC02:16 The Unique Benefits of Whole Life Insurance03:00 The Pitfalls of Self-Centered Approach in IBC03:44 The Power of Mutual Benefit in IBC05:16 The Importance of Respecting the Mutual Company and Your Policy06:58 IBC is a Process, Not a Hack to Bleed Dry07:38 The Regrets of Not Starting IBC Earlier----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In episode 88 of the Strategic Whole Life podcast, we talk about the (mostly bad) advice some people get to max out the loan provision immediately after buying a whole life insurance policy. This not only creates several risks, but the benefits of IBC go way beyond maxing out loans.IBC is not a gimmick or a trick. Policy loans are still loans. With IBC, we can protect ourselves from the often arbitrary decisions of bankers and politicians. But to do so, we must, in turn, protect this incredible asset, whole life insurance.00:07 What we are doing with The Infinite Banking Concept (IBC)01:20 Personal Experiences with Traditional Banking03:10 The Importance of Long-Term Thinking in IBC04:12 The Value of Liquidity and the Role of IBC05:33 The Journey to Financial Sovereignty08:24 Understanding the Risks of Max Loans10:35 The Value of Whole Life Insurance13:07 A Silver Lining----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.Don't Separate Base Premium and PUA When Buying Whole Life InsuranceIn episode 87, we talk about the risks of looking at base whole life premium and paid up additional life insurance (PUA) as separate considerations during the buying process.Treating base premium as the baseline commitment and PUA as a 'stretch target' can lead to unfulfilled expectations and potential policy underperformance or worse... We highlight the importance of setting a sustainable and comfortable premium level, advising against making PUA a stretch goal. This concern is especially relevant during the early years of a policy, and when the policy is designed for high PUA to base premium ratios.What should you consider instead? Tune in to find out!00:07 Understanding Base Premium and Paid Up Additions00:54 The Dangers of Overcommitting to Premiums02:09 Components of a Whole Life Insurance Policy03:30 The Risks of Making PUA a Stretch Target04:22 The Impact of Not Paying PUA07:19 Agents and Commissions08:40 Designing a Sustainable Premium09:35 Determining the Correct Premium11:20 Conclusion and Next Steps----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In Episode 86, we discuss how practicing The Infinite Banking Concept™ can sometimes lead to a tendency to perceive whole life insurance as an "account," similar to a bank or brokerage account. This is not the case, and we'll talk about why!In this episode:We'll talk about the reality behind withdrawing cash value and the implications of policy lapse.Learn about the actuarial foundations that empower whole life insurance with its unique benefits.Discover how whole life insurance offers respectable growth, liquidity, leverage, and guarantees, distinguishing it from other "account"-based financial products.---EPISODE HIGHLIGHTS01:02 Understanding Whole Life Insurance as Not an "Account"02:35 Examples of "Account" Misconceptions07:05 The Superpowers of Whole Life Insurance Come From it NOT Being an "Account"----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

A quick scry reveals two pressing problems for our heroes. Do they deal with tensions back at the Fallhold or help Taslinn's friend, who doesn't seem to be doing so well in captivity?-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRbDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.In this episode, we delve into the concept of whole life insurance dividends. We clear the usual misconception people have about dividends, explaining that insurance dividends are different from stock dividends.Here, we clarify that a whole life insurance dividend is essentially a yield coming from the surplus profit of a mutual based company. However, its calculation is more complex as it doesn't automatically imply specific yield to a policy. We emphasize the significance of the guaranteed values in whole life policies and how dividends add to this value. This discussion also touches upon the philosophy of why one should start with whole life policies and how dividends, which are part of the bigger financial picture, become a bonus.The key takeaway is understanding that insurance dividends come from a well-run, highly-regulated company, and longer you've been with them, the higher your dividend.EPISODE HIGHLIGHTS00:00 Introduction to Whole Life Insurance Dividends00:07 Understanding the Nature of Dividends00:41 How Dividends are Calculated and Distributed01:06 The Role of Surplus Profit in Dividends02:33 The Difference Between Whole Life Dividends and Stock Dividends06:11 The Impact of Dividends on Policy Maturity07:34 Misconceptions About Dividend Rates11:23 The Importance of Guaranteed Values Over Dividends13:42 Comparing Whole Life Dividends to Stock Dividends16:16 The Long-Term Benefits of Whole Life Dividends19:44 Conclusion: The Value of Whole Life Dividends----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

Lore & Legends: A Visual Celebration of the Fifth Edition of the World's Greatest Roleplaying Game-Dungeons & Dragons authors Kyle Newman, Michael Witwer, and Jon Peterson join me to discuss their new book, the impact of D&D on popular culture, and we evaluate the alignment of Star Wars character through the lens of D&D. Pull up a chair, grab your favorite coffee mug, and let's have some Coffee With Kenobi!__Visit CoffeeWithKenobi.com for the latest podcasts, news, videos, and more!__Book your trip to Galaxy's Edge, Walt Disney World, Disneyland, the Disney Cruise ships, and beyond with Coffee With Kenobi's Travel Partner - CoffeeWithKenobi.com/MouseFanTravel __Become a member of the CWK Alliance to support Coffee With Kenobi, get access to audio and VIDEO of our exclusive weekly podcast, CWK Pour-Over, and more! CoffeeWithKenobi.com/CWKAlliance__You can also listen to CWK Pour-Over on Spotify CoffeeWithKenobi.com/Spotify__Tune in to CWK LIVE and have a cup of coffee with Dan Zehr on Monday nights at 7:00 p.m. CST on our Facebook feed or YouTube channel. If you cannot join us live, you can find the video replay on either place or listen to the audio of CWK LIVE here on Coffee With Kenobi's podcast feed! CoffeeWithKenobi.com/LIVE__Join our community in the CWK Cafe and be part of the conversation - CoffeeWithKenobi.com/Community __Shop Coffee With Kenobi shirts, hoodies, stickers, phone cases, and more CoffeeWithKenobi.com/Shop__Need help launching your podcast or blog or want to expand your existing brand? Want Dan Zehr to speak at your event? DanZMedia.comThanks for listening, and have a great week; this is the podcast you're looking for!- Dan Zehr (@MrZehr on Twitter) ---------------------------------------Follow Coffee With Kenobi on XFollow Coffee With Kenobi on InstagramLike Coffee With Kenobi on FacebookSubscribe to Coffee With Kenobi's YouTube ChannelMusic: Jazz Music: Eye to Eye by Steve Torok This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3271982/advertisement

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition). Episode 84 of the Strategic Whole Life podcast, "Beyond the Rate of Return: A Strategic Approach to Wealth Building." John Perrings challenges the conventional obsession with returns in financial planning.Drawing from his construction and finance experience in the data center industry, John uncovers why savvy institutional investors prioritize control and risk management over mere rate of return.Go through the financial lifecycle of an average investor, revealing how focusing on expense management and efficient use of resources can lead to more sustainable wealth growth than chasing volatile returns. EPISODE HIGHLIGHTS:00:00 Introduction and Podcast Rebranding00:18 Episode Overview: The Rate of Return Race01:04 Financial Insights from the Data Center Business02:10 Understanding Institutional Investors' Priorities03:52 The Financial Journey of a Typical 35-Year-Old05:56 The Impact of Taxes and Debt on Personal Finance08:08 The Illusion of High Rate of Return08:59 The Importance of Controlling Money Outflow11:09 The Money Race: Tortoise (Banking) vs. Hare (Investing)11:39 The Power of Capitalizing Before Investing14:28 The Infinite Banking Concept: A Platform for Recycling Money14:42 Conclusion: Moving Away from Rate of Return Focus15:15 Look Below for Our Online Course----LINKS:Get in touch: SCHEDULE A CONSULTATIONOnline Course: IBC MASTERY----About Your Hosts:Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.----Connect with usGet in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!----ONLINE COURSE:Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:IBC MASTERY

COMBAT! Yewsiff faces off against the final member of the Hand of Cania, a particularly vicious devil known as Barnok. -- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRb--- MUSIC ---Malicious by Kevin MacLeodLink: https://filmmusic.io/song/4014-maliciousLicense: https://filmmusic.io/standard-licenseFive Armies by Kevin MacLeodLink: https://filmmusic.io/song/3762-five-armiesLicense: https://filmmusic.io/standard-licenseDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

The party frees the Gnomes and gets the remaining Drow to take them safely back to the Sink.They then make plans to deal with Yewsiff's OTHER problem.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRbDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

FSF PopCast LIVE! We are joined by authors of the latest Dungeons and Dragons reference work "Lore and Legends: A Visual Celebration of the Fifth Edition of the World's Greatest Roleplaying Game" Kyle Newman, Jon Peterson, and Sam Witwer are here to discuss RPGs, their books, tabletop games, and more! Add your DND / RPG questions to the chat and we will try to get them on screen for Kyle, Jon, and Sam to answer. Buy "Lore and Legends: A Visual Celebration of the Fifth Edition of the World's Greatest Roleplaying Game" here - https://amzn.to/46QgTTP For more on our guests, please visit their social media pages Kyle Newman - @kyle_newman on X / Twitter Jon Peterson - @docetist on X / Twitter Sam Witwer - @SamWitwer on X / Twitter Tim Beisiegels Star Wars Articles - https://dorksideoftheforce.com/author/tbeisiegel For RSWOF Merch - https://www.teepublic.com/t-shirt/319.... 100% of all proceeds Benefit Wish Upon a Teen For direct contributions - https://www.wishuponateen.org Join our Patreon https://patreon.com/fsfpopcast Join our Discord! https://discord.gg/cpry4fCDTq Visit our website - https://www.fsfpopcast.com FSF PopCast on Twitter and Instagram - @fsfpopcast Buy us Coffee - https://ko-fi.com/fsfpopcast For more on our show partners - Monkey Cult Coffee (use code FSF10) - https://monkeycultcoffee.com/ Level Up Sabers https://bit.ly/FSFLevelUpSabers Big Boy Graphics - Bigboygraphics.etsy.com

The party makes their way deep into the mines of Skypoint and begin their rescue operation. Maybe all will go according to plan?-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRb--- MUSIC ---Malicious by Kevin MacLeodLink: https://filmmusic.io/song/4014-maliciousLicense: https://filmmusic.io/standard-licenseDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

The party makes their way down into the Gaping Maw to rescue the gnomes, but first they need to deal with the highly suspicious cook.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRbDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

Have you ever talked to a sociopath? According to the Fifth Edition of the Diagnostic and Statistical Manual of Mental Disorders (or DSM-5), sociopathy is a category of antisocial personality disorder. A sociopath is someone with interior, social, and pathological impairments to their personality. Sociopaths will say anything to get their way, even if that means bending the truth and manipulation. Do you suspect you may be dealing with a sociopath right now? In this video, we present to you some of the things a sociopath would say to help you understand what really goes through their minds. As a disclaimer, we want to note that these phrases alone don't define a sociopath. Language is just a small piece of a larger puzzle. In other words, you may hear a friend or partner use phrases from this list, but that doesn't necessarily make him or her a sociopath. Writer: Tristan Reed Script Manager: Kelly Soong VO: Lily Hu Animator: Zuzia YouTube Manager: Cindy Cheong Join Our Psych2Go Premium Podcast Now! https://psych2go.supercast.com American Psychiatric Association: Diagnostic and Statistical Manual of Mental Disorders: Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition. Arlington, VA: American Psychiatric Association, 2013. Eddy, B. (2018). How to Spot a Sociopath in 3 Steps. Psychology Today. Hare R. D. (1993). Without Conscience: The Disturbing World of the Psychopaths Among Us. New York, NY: Guilford Press Johnson, S. A. (2019). Understanding the violent personality: antisocial personality disorder, psychopathy & sociopathy. Forensic Research & Criminology International Journal, 7(2), 76-88. Lilienfeld S. et al. (2014). Correlates of psychopathic personality traits in everyday life: results from a large community survey. Frontiers in Psychology, 5, 740. Perry, C. (2015). The ‘dark traits' of sociopathic leaders. Australian Universities' Review, 51(1), 17-25.

Taslinn sits down and attempts to hash out the events of the previous evening with Nax thanks to one of the trickier effects of the Ring of Mind Shielding.-- DM --Jonathan Hardesty @movieguyjon-- PLAYERS --Andrew Staton @andrew_statonTony Dane @nomsternessyJohnny Recher @johnnyrecherBryan Dressel @WhyBryanWhy-- SPECIAL THANKS --KiloWhat for her amazing portraits of our horny heroes!@KiloWhat_Art (twitter), @thebibliotaph.blog (insta)-- WE HAVE A DISCORD --Join our fiendly fun over athttps://discord.gg/3zxD7zMcRbDEMON DAYZ THEME CREATED BYBRADLEY PARSONS

In this week's episode Ellie, Jarred, and Will take a look at Adult Red Dragons from Pathfinder's Bestiary! A classic staple fantasy monster pumped full of crunchy tactical choices!FanRoll (use code MM10) - https://fanrolldice.com/Support the show: https://monstersandmulticlass.com/supportIntro music by @Thisisbardcore. https://twitter.com/thisisbardcoreFind us and the YouTube version: https://linktr.ee/Monster_multiWill's Backgrounds: Kael Pixel https://kael.crd.co/Support the show