Podcasts about First Steps

How do you create an independent reader? Allison and Megan are joined by special guests Anita Heiss and Jane Godwin to celebrate the launch of the Your Next Read Gold series and to share tips and advice to turn kids aged 7-9 into lifelong readers.00:00 Life, Parenting, Quality Waffle03:26 New Books For Kids and Teens07:38 First Steps Into Independent Reading With Anita Heiss and Jane Godwin53:34 What's on For Megan and AllisonRead the show notes for all book references at yourkidsnextread.com.au/podcastSign up to the Your Kid's Next Read newsletterConnect with Allison, Megan and the Your Kid's Next Read Community on FacebookVisit allisontait.com | megandaley.com.au

Rick Fittin grew up in New Jersey, joined the Army, and went on to spend more than 25 years in law enforcement — working his way from patrol officer to K9 officer and eventually police chief. Along the way, he experienced the wild, funny, and unpredictable side of policing that most people never get to hear directly from the officers who lived it. After more than two decades on the job, Rick walked away from law enforcement and started an entirely new chapter of his life. _____________________________________________  #police #cops #TrueCrime #crimestories #k9 _____________________________________________ Thank you to HIMS & CASH APP for sponsoring this episode: Hims: Ready to reach your goals? Visit https://www.hims.com/lockedin to get a personalized, affordable plan that gets you. _____________________________________________ Cash App: Download Cash App Today: https://click.cash.app/ui6m/6pao71et #CashAppPod Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card, Sutton debit flex card, and Bancorp debit flex card. Cash App Green features, Savings, Direct deposit, Round ups, Overdraft coverage and Discounts provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures. _____________________________________________ Become an EXCLUSIVE Locked In: After Hours Member & receive a FREE merch box: https://lockedin.supportingcast.fm/ _____________________________________________ Connect with Rick Fittin: https://www.instagram.com/rick_fittin?stkn=cmEzMXc3ZTF6NXJ3 _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Rick Fitton: 25 Years Behind the Badge 00:37 Growing Up at the Jersey Shore 01:42 Rebellion and the Road to the Army 03:04 Joining the Army: A Life-Changing Decision 04:06 Basic Training: Fort Knox and the Realities of Military Life 06:24 Field Exercises, Helicopters, and Military Discipline 09:35 Family Loss and Staying the Course 10:23 Desert Storm and the National Training Center 11:21 Transition Back Home and Family Business 12:56 Getting Into Laundromats and Dry Cleaners 13:27 Grief, Ride Alongs, and the Call to Policing 14:38 Becoming a Police Officer: The Academy and First Steps 15:44 Starting in a Quiet Town and Moving to Seaside Heights 17:38 Mentorship and Learning from Leadership 19:39 The Long Grind: Applying and Rejection 21:17 The Life-Changing Phone Call 23:56 The Job Offer and a New Beginning 24:52 Early Patrol Days and 'Cowboy' Reputation 25:52 First DUI Arrest and a Sergeant's Tough Lesson 30:32 Sponsor Break: Weight Loss by HIMS 31:52 Cleaning Up the Department and Early Challenges 32:12 The Quest for a K9 Unit 34:00 Politics, the Prosecutor, and Getting a Dog 35:32 Meeting Biba: The Female German Shepherd 36:38 Canine School and 9/11: A Changing World 39:14 The First State Police Patrol Class 40:16 Training with Denny Mcweeney and the Iron Dog 44:08 Rescue: Woman Hanging from a Window 50:37 The Aftermath and the T-Shirt Story 52:53 Sponsor Break: Cash App 55:08 Back to the Dogs: The Agreement and Limitations 56:00 PCP and a Crazy Chase 01:00:00 The Chase Ends: A Physical Confrontation 01:02:34 Why I Chose Midnights and the K9 Life 01:03:48 A Tracking Award and a Kidnapping Case 01:07:33 Tracking Down the Suspect 01:09:36 After the Capture: The Loyalty of Biba 01:10:49 Nico: My Second K9 and the Bond 01:14:44 Losing Nico and the End of My K9 Career 01:19:00 Rescuing a Man from Icy Waters 01:23:00 The Icy Rescue Aftermath 01:25:14 Unexpected Encounters and Errant Drivers 01:27:52 Changing Culture in Policing 01:30:33 Working with the Community and an NCIC Hit 01:35:45 A Strange Case of Poisoned Food 01:38:24 Confronting the Wife and Getting a Confession 01:41:27 NYPD Homicide Detectives and a High-Profile Case 01:45:45 The Raid and the Outcome 01:49:45 A Near Shooting and the Watermelon Fight 01:54:00 The Courtroom and Lessons Learned 01:56:00 Resilience and an Unresponsive Male Call 01:58:25 A Homicide on the Second Floor 02:00:00 The Aftermath and Death Notifications 02:02:43 25 Years of Stories and Final Valor Award 02:03:13 Drug Recognition Expert: The Specialty Work 02:06:48 The Changing Landscape of Policing 02:08:24 Prisons, Reform, and the System's Failures 02:11:20 Mental Health and Resiliency in Law Enforcement 02:14:37 Hurricane Ida: A New Chief's Test 02:18:08 Water Rescues and the MRAP 02:21:20 Saving a Family and Returning Home 02:23:03 More Flooding and a Tire Plant Rescue 02:25:00 Retirement, Reinvention, and Advice for Officers 02:29:00 Turning the Page: Overcoming Adversity 02:31:00 Moving Forward: New Opportunities 02:33:00 Current Ventures and the Passion to Help 02:34:29 Reflecting on Success and Hard Work 02:36:27 A Lesson on Valuing What You Earn _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka

Our Road to Doomsday comes to its END with Fantastic Four First Steps (2025)! Welcome back to The Road to Doomsday! In this episode, Erik Voss and Jessica Clemons close the book on this run by revisiting Fantastic Four First Steps (2025) and the arrival of Robert Downey Jr's Doctor Doom in the MCU. Join the NR Underground for exclusive audio shows: https://nrunderground.supercast.com Check out our merch! http://www.NerdRiot.shop Follow us on Spotify to get updates when we release new music: https://open.spotify.com/artist/00FXqz5AkEpUTJ1aAPj0TA CHAPTERS 0:00 - The "Final" Road to Doomsday 4:34 - Initial Thoughts for Fantastic Four First Steps 8:44 - Revisiting Fantastic Four First Steps 15:36 - Thoughts on the Post Credit scene? 18:36 - General Thoughts on the movie? 35:19 - Does First Steps Revamp the F4 Brand? 43:43 - Will Doomsday Elevate F4? 48:14 - How far will they go in Doomsday? 58:58 - Box Office Challenge 1:03:05 - The Dad Movie Scale 1:16:51 - Back to the Box Office Challenge 1:20:08 - Better or Worse Lightning Round! EXECUTIVE PRODUCERS GSavvy04 Ethan Chesters Patrick Dailey Ricardo Martinez Michael Horwitz Dante Justin Schoenrock Bro... Paulo Bianca Rick Denmon Jeremy Dunham Frederick Price Crazy Allen Kevin Dconicjxchz Follow New Rockstars​: TikTok: https://www.tiktok.com/@newrockstars_official Instagram: ​https://instagram.com/newrockstars Facebook: ​https://facebook.com/newmediarockstars Twitter: ​https://twitter.com/newrockstars Written by: Alex Berg Head of Content & Executive Producer: Erik Voss Senior Producer: Jessica Clemons Producers: Gina Ippolito, Alex Berg, Patti Chambers Head of Sales: Zach Huddleston Podcast Producer: Brian M Kim Post Production Supervisor: Joshua Steven Hurd Staff Editor: Abby Freel Editors: Eric Gorday For business inquiries please contact business@nrdigitalstudios.com Learn more about your ad choices. Visit megaphone.fm/adchoices

TOPS Bunker Podcast YouTube ChannelSpeakPipe/TOPSTOPSBunker.comIt's Blast From The Past night here at The Bunker. Rhonda reads through Listener Q&A on topics like Burying Your Dead, First Steps, and More. Tell us what episode you loved and we'll consider playing it on Blast From The Past night in your honor.Please Visit Our Affiliate Links to Find Great Preparedness Products:Preparedness 101 - Beginners Guide to PreppingGrafco Cadaver Body Bag - Full-Length Zipper 36X90Dan&Dre Cadaver Bag - 210D SilverOxford Leak ProofUS ARMY Survival Manual Official UpdatedPreppers Armed Defense - Lifesaving Firearms choicesThe SEVENTY2 Pro 2-Person Survival SystemStealth Angel 72 Hour Survival Kit for 2Jackery Portable Solar Generator 300Jakery Portable Solar Generator 1000

Some conversations ask us to slow down, listen with compassion, and make room for the pain others may be carrying. This week's episode of The Love Offering Podcast is one of those conversations. I'm joined by Ellen Mary Dykas, director of Equipping for Ministry to Women at Harvest USA, to talk about finding hope after sexual betrayal. Whether this is part of your own story or you want to better support someone you love, Ellen offers compassionate, biblical guidance for walking through heartbreak with wisdom and grace. In our conversation, we discuss: Why sexual betrayal can feel so traumatic and disorienting Why a wife is not responsible for her husband's sinful choices How to recognize genuine repentance The differences between forgiveness, reconciliation, and restored trust How wise boundaries can support safety and healing What to look for in a trustworthy counselor, pastor, or friend How Jesus meets us in the middle of an unwanted journey If this subject is tender for you, please listen with care. You do not have to minimize your pain, rush your healing, or determine the entire future today. Jesus sees you, draws near to your broken heart, and will help you take the next faithful step. Access the free six-session video course, Hope in Your Heartbreak: First Steps for Sexually Betrayed Wives:https://harvestusa.org/hope/ Learn more about Harvest USA and its resources:https://harvestusa.org/ Connect with Rachael:https://rachaelkadams.com/ If you are in danger or fear for your safety, contact emergency services or a qualified local professional who can help you create a safety plan.Support the Show: https://rachaelkadams.com/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

SummaryIn this episode of The Chasing Health Podcast, Chase Smith and Chris Bealhen sit down with Pastor Phil McKinney to talk about something that goes much deeper than calories, workouts, and the number on the scale: your identity.Phil explains how the way you see yourself can shape the choices you make every day. You may lose weight or build new habits, but if you still see yourself as the person who always fails, has no willpower, or eventually gives up, it can be easy to fall back into old patterns.They talk about where these beliefs come from and how words from parents, teachers, friends, and other people can stay with us for years. The group also shares ways to catch negative thoughts and begin changing the story you tell yourself.They dive into why your environment matters, why the people closest to you can either help you grow or hold you back, and why setting boundaries does not always mean cutting people out of your life.Phil also explains why change can feel hardest when you are stuck in the middle. You may be too far from your old life to go back, but not far enough into your new life to see the results yet. That is often when people quit.The conversation also covers failure, comparison, motivation, grace, discipline, and learning to notice progress that does not show up on the scale.If you have ever said, “This is just who I am,” “I always give up,” or “I have no willpower,” this episode will challenge you to question that story. Your past may explain some of your struggles, but it does not have to decide who you become next.Chapters(00:00) Why Identity Matters More Than You Think(01:37) Meet Pastor Phil McKinney(02:53) What Is Identity and Where Does It Come From?(04:39) Why Changing Your Identity Is Harder Than Changing Your Behavior(06:47) The Beliefs That Keep Bringing You Back to Old Habits(09:07) How Your Words Reinforce Who You Believe You Are(12:41) How to Catch the Negative Thoughts You Have Carried for Years(14:59) Why You Need People Who Will Point Out Your Blind Spots(17:26) Stop Waiting to Feel Motivated(18:58) How to See Progress Before You See the Final Result(22:44) Why Community Can Make or Break Your Transformation(24:30) Change the Language You Use About Yourself(27:11) When Your Inner Circle No Longer Supports Who You Are Becoming(28:52) Setting Boundaries Without Cutting Everyone Off(32:55) Comparison, Insecurity, and Using Other People as Inspiration(37:36) Start Small and Believe Big(38:33) Why It Is So Hard to Let Go of Your Old Identity(40:16) The Most Difficult Part of Change Is Often the Middle(41:42) Breaking Through the Moment You Usually Self-Sabotage(43:07) Failure Is Part of Becoming Someone New(44:49) Stop Saying “I Always” and “I Never”(46:34) Grace vs. Grit: When Grace Becomes an Excuse(49:05) Why True Health Is About More Than Your Body(51:01) The First Steps to Changing Your Identity(53:03) Where to Find Pastor Phil McKinneyBelievers Christian Church Website: https://www.believerschristianchurch.com/ SUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective

Emily recently opened her own men's health clinic and joins Justin for a practical conversation about navigating the early stages of practice ownership.They discuss patient acquisition, referral programs, online reviews, local marketing, pricing, subscriptions, operating expenses, and creating simple workflows that keep the practice running efficiently. Justin also shares advice on staying flexible, recognizing opportunities, and allowing the market to guide future service lines.For nurse practitioners preparing to launch a practice or working through their first few months in business, this episode offers practical guidance for getting started, building momentum, and creating a foundation for long-term growth.

Send us Fan MailThis is Part 2 of the Conversation with Francis Weller. If you haven't listened to Part 1 yet, start here.There are voices in the grief world that stop you in your tracks — not because they are loud, but because they carry something true. Francis Weller is one of those voices. I have followed his work for some time, moved by the depth of his writing and the rare quality of his presence, and I have long wanted to bring him into this conversation. Today, that moment has arrived, and I am genuinely looking forward to what we will explore together.Francis brings to this work something that is not easy to name but impossible to miss — a willingness to sit inside the hardest human experiences without rushing toward resolution, and a gift for language that meets grief where it actually lives.In this episode, we cover02:37 Trauma and Grief04:09 Titrating the Trauma to Work With Grief12:00 Where Did the Interest in Soul, Ritual, etc. Start?13:44 What Has Claimed Me?18:03 The Gift22:22 First Steps to Care For Your SoulAbout today's guestFrancis Weller is a psychotherapist, writer, and soul activist. Author of the bestselling The Wild Edge of Sorrow: Rituals of Renewal and the Sacred Work of Grief and In the Absence of the Ordinary: Soul Work for Times of Uncertainty, he has introduced the healing work of ritual to thousands of people. His writing and voice have appeared in anthologies, journals, and media such as Anderson Cooper's All There Is podcast, The Sun, Utne Reader, Kosmos Journal, and Ruminate. He is currently completing his fourth book, Facing the World with Soul and Why It Matters.Support the show

The Boys return to discuss, and ask you guys questions about what was out first forays into tabletop gaming

Stan Lee's Bring on the Bad Guys gets a 50th anniversary reprint. Artist Andy Fish has died at age 60. Marvel continues Fantastic Four: First Steps with The Wizard one-shot.SUBSCRIBE ON RSS, APPLE, SPOTIFY, OR THE APP OF YOUR CHOICE. FOLLOW US ON BLUESKY, INSTAGRAM, TIKTOK, AND FACEBOOK. SUPPORT OUR SHOWS ON PATREON.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

For episode 273, host Bill Calkins talks with IM Digital's Justin Ragsdale about how greenhouses, garden centers and nurseries can use AI and other emerging technologies without getting lost in hype. The conversation focuses on practical use cases, from automating repetitive work to improving year-round customer engagement and building stronger digital systems. Justin explains how to think about AI as a tool, not a magic wand, and why the best results come from adding context, data and clear business goals. DOWNLOAD YOUR FREE 5 STEP AI PLAYBOOK FROM IM DIGITAL HERE: https://www.imdigital.com/insights/five-pillars-enterprise-ai-strategy    There's a lot covered in this episode. Here are a few of the topics Bill and Justin discussed: Perhaps the best way to approach AI is as another tool in the toolbox, not as a replacement for business judgment, staff or customer relationships. A major theme is the importance of context: AI works better when businesses give it clear instructions, business processes, goals, customer information and system access, instead of just asking it to “do stuff.” The episode walks through simple starting points for AI adoption, including using tools like Claude or Gemini Enterprise for everyday tasks such as email triage, social media responses and creating basic marketing agents. How your best early wins will come from solving known problems, not trying to make AI predict the future or solve unclear business challenges. Why customer engagement is a major focus, especially how garden centers can use POS data, marketing platforms, and AI to personalize follow-up based on purchase history, location, and seasonal needs. For businesses, an early step should be to identify their “source of truth” for customer data, then connect other systems to it so AI can build useful profiles and campaigns. Labor efficiency comes up as another key opportunity: AI can help train staff, document tribal knowledge, and reduce repetitive admin work so employees can spend more time on the sales floor with customers. The conversation closes with a look at the future, where the most advanced garden centers will be available across digital channels, in customers' pockets and responsive 24/7, while still protecting the human expertise that makes garden centers valuable. DOWNLOAD YOUR FREE 5 STEP AI PLAYBOOK FROM IM DIGITAL HERE: https://www.imdigital.com/insights/five-pillars-enterprise-ai-strategy 

This episode will be a continuation from where I left off; quoting from my German autobiography. The months from August into the fall of 1999, was the most dramatic and life altering change in my life. I didn't realize that I would never be the same woman again. My family's lives were changed in an instant. We had to carry on with jobs, schools, and church issues; even though our hearts were broken and tears were the new normal.Sadly, we were not left in peace, to process our grief. The new normal, included strangers from the “Word of Faith” church stopping in, or calling us with disturbing messages. Even the funeral day, which was supposed to be private with our immediate family, had uninvited guests that showed up. Rather than the help of true friends, it was like we had become a vulnerable target, since Thomas was gone. It reminded me of the phrase, “termites were suddenly coming out of the woodwork.”A couple of weeks after the funeral, I was home alone and the reality that Thomas was gone, and I was left a widow at the age of 49, hit me. There was nothing left to do, but bow before the Lord my Maker, and say, ”I accept your will.” Check out my photos and reels on Instagram: vandoorenkristine

Episode 103: Curt Covert (Smirk and Dagger) - Exhibiting at Conventions- Games we've been playing lately (not from Smirk and Dagger) Join me as we get to know Curt Covert, the owner of Smirk and Dagger games. We discuss what goes into exhibiting at conventions. While we go through a lot of information, it's definitely not everything. But it might help someone starting out or might be an interesting peek behind the curtain. Then, we talk about 5 games we've been playing lately. And of course, ending with something positive happening in our lives. Don't be afraid to go up or reach out to Curt if you have questions about the board game industry. He's truly a fountain of knowledge.00:00:00 Intro00:00:16 Get to know Curt Covert00:01:27 Smirk and Laughter00:04:34 Trickarus00:12:11 Main Topic: Exhibiting at Conventions00:12:33 Curt's overall philosophy00:16:14 Choosing the Right Conventions for Exhibiting00:19:01 First Steps to getting a booth00:24:19 Navigating Convention Spaces and Traffic Flow00:33:03 Line Management at Conventions00:37:54 Efficient Booth Breakdown Strategies00:42:59 Planning for Conventions - when to start00:43:56 Engaging Booth Promotions00:49:37 5 games (not from Smirk and Dagger) that we've been enjoying00:49:55 Wondrous Creatures00:53:32 Dino Racer00:57:42 FliptoonsFliptoons Season 201:02:01 Clank! CatacombsUnderworld Expansion01:05:20 Drillers01:09:06 Things in RingsThings on Strings01:12:56 Rascally Rabbits01:15:34 ItoOne Round?01:21:08 Codenames: Critical Role Adventures01:24:13 The GangThe Gang: Deluxe Edition01:30:38 Moment of Positivity01:39:33 Where can you find Curt?Smirk and Dagger WebsiteFacebookInstagram01:40:36 Outro(Please note that these time stamps might not be accurate due to the use of dynamic ads.)We hope you will come join us for fun games with all the fun people at BGG.CON 2026. https://boardgamegeek.com/bggcon or https://tabletop.events/conventions/bgg.con-2026Web: https://boardgamegeek.com/YouTube: https://www.youtube.com/@boardgamegeekTwitter: https://twitter.com/BoardGameGeekEmail: podcast@boardgamegeek.com

The Dream Team finally get a moment to breath as their new ally helps them prepare for the dangers ahead. Flit finds a new friendmeister. Vlyn reveals some dad related trauma.Frontiers Theme by Grant Craven Support the show on Patreon: https://www.patreon.com/noquestcast Additional Music Credits: "Steering Politics" by Grand_Project (http://pixabay.com/music/adventure-steering-politics-391124/) "Sneaky Spell" by Sonican (https://pixabay.com/music/sneaky-magical-dramedy-orchestral-sneaky-spell-357667/) "Cinematic Tension Ritual Guitar Cue" by Farran_Ez (https://pixabay.com/music/solo-guitar-cinematic-tension-ritual-guitar-cue-456160/) "Emotional Sad Guitar Music" by Tunetank (https://pixabay.com/music/acoustic-group-emotional-sad-guitar-music-349888/) "Dark Ambient" by stereocode (https://pixabay.com/music/ambient-dark-ambient-126122/) "Ethnic Tribal Jungle Music" by APALONBeats (https://pixabay.com/music/percussion-ethnic-tribal-jungle-music-540566/) "First Steps" by SergePavkinMusic (https://pixabay.com/music/folk-first-steps-206154/) No Quest for the Wicked uses trademarks and/or copyrights owned by Paizo Inc., used under Paizo's Community Use Policy (paizo.com/communityuse). We are expressly prohibited from charging you to use or access this content. No Quest for the Wicked is not published, endorsed, or specifically approved by Paizo. For more information about Paizo Inc. and Paizo products, visit paizo.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

What does good care actually look like for kids with sickle cell disease?In this episode of our What Good Care Looks Like for Kids with Sickle Cell series, pediatric hematologist Dr. Jacob breaks it down. She covers what to do the moment you get the diagnosis, building your child's medical home, and putting together the full care team, from specialists to social workers to school support.Dr. Jacob is the Director of the Pediatric Sickle Cell Program at Riley Pediatric Cancer and Blood Disorders and Co-Director of the Lifespan Sickle Cell Program at Indiana University.This episode is part of Sickle Cell 101's Care and Treatment 101 Educational Initiative, a community resource dedicated to making care information accessible and actionable for the sickle cell community.Thank you to our Care and Treatment 101 sponsors: Vertex, Chiesi, Pfizer, and Medunik.

Meghan Pourier, CEO of Car Candy and President of the International Detailing Association, joins us for an incredible conversation about what it really takes to build a brand, lead a team, and create a business that lasts.From building Car Candy one brick at a time to leading with integrity and surrounding yourself with smarter people, Meghan shares powerful lessons for detailers, entrepreneurs, business owners, and anyone looking to grow.We talk about the dangers of hype-driven marketing, why relationships and industry collaboration matter, the importance of strategic planning, servant leadership, innovation, and why great detailers don't always automatically become great business owners.Meghan also gives us a behind-the-scenes look at how Car Candy develops new products, listens to customer feedback, and continues to innovate.If you're building a detailing business, growing a brand, or looking for practical leadership advice, this episode is packed with insights you won't want to miss.Chapter Timelines0:00 Building Brands One Brick at a Time3:40 The Trap of Marketing Hype7:21 What Stays and What Fades in the Industry11:31 Strategic Discipline for Creative Minds17:25 First Steps for New Detailers28:41 Innovation and the Product Development Cycle38:01 Boss vs Leader: Defining Your Role52:36 Final Thoughts on Industry GrowthGuest:Megan PoirierCar Candy ProductsCarcandy.comHosts Jody Sedrick & Rod PuzeyRoadFS / Detail Bookie Podcast================================RoadFS CRM - https://roadfs.comDetailBooke CRM - https://detailbookie.io

Life in the Dark: What to Do Before and After the Lights Go Out   Andy Murphy hosts the Secure Family Podcast and explains how families can stay comfortable, protected, and informed during extended power outages. Long lasting outages are becoming more common. He outlines steps to take before an outage and what to do the moment the lights go out. From lighting your home, to cooking, to home defense, Andy shows us that our families can thrive and survive.   Get your free copy of my Family Disaster Preparedness Guide: https://www.thesecuredad.com/disaster Take control of your data with DeleteMe. Because they sponsor the podcast you can get 20% off a privacy plan from DeleteMe with promo code: DAD.  Blackout interview with Patrick McNamara: https://youtu.be/vXOF1qLiF6g?si=UDxzFP_J5lJVP66B  Connect

Message by Pastor Paul - August 30, 2026Apologetics, Debate, Bible Discussions, Evangelism, and much more "Christianity is a Person, not a system" - https://youtu.be/1-02nnh5Das?si=8-p2u1cxfCS2Uo4I Discerning the fruits of the Spirit vs the fruits of self - Mark 7:5-23 "The mystic fruit bowl" - https://youtu.be/kw7QiLQMQ_M?si=356Fx_r9ohUeTLwjThe Deity of Jesus Christ and the Gospel of Salvation - https://www.youtube.com/live/gquqBQIL_0U?si=7zmPLi1X0CcW-v7f(Discussing discipleship) Bible study on Luke 9:60-62 "Let the dead bury the dead" - https://www.youtube.com/live/BkWtkOrEs-Q?si=y-zyqNGfWi3kzVu2To know more on how to be saved, what are the requirements and such, please see our playlist on the Gospel and Eternal Security (assurance of salvation) - https://youtube.com/playlist?list=PL3pJdCnnwrEeCQOCTTmDW1GjUYxpd44DG&si=_rT-lThl0klHt5Cd Our Ministries Website - https://christiancoffeetime.ca/ 1John 5:20) "And we know that the Son of God is come, and hath given us an understanding, that we may know him that is true, and we are in him that is true, even in his Son Jesus Christ. This is the true God, and eternal life."-Music: A Flourish by Niya is licensed under a Creative Commons License.https://creativecommons.org/licenses/...Support by RFM - NCM: https://bit.ly/2xGHypM-

OSEG managing partner Roger Greenberg understands how the fans are feeling, FanDuel, and hand, foot and mouth disease.

Sens fans eyes on the Leafs, Habs and Panthers, NFL season two weeks away, and the Redblacks and Jim Popp meet the media today.

Every student org president inherits something. The question is what you do with it, and what you leave behind.  LALSA's outgoing president Natalie Solano sits down with incoming president Michelle Ildefonso-Ruelas for an honest conversation about leadership, momentum, stewardship, and the real handoff. Whether you're leading LALSA, BLSA, OUTLaw, Christian Legal Society, Women's Law Caucus, or any org at Widener Law Commonwealth, this one was made for you. Cafecito con LALSA (Latin American Law Student Association) is a student run podcast where traditional and non-traditional law students come together to share their unique journeys through law school. Hear the voices of minority students as they discuss their challenges and triumphs, and listen to diverse perspectives on a wide range of topics. Tune in for a dynamic conversation that reflects the rich tapestry of the Widener Law Commonwealth student experience. 00:00 Introduction & Topic Overview 01:01 Overcoming Leadership Fears 03:04 First Steps for New Student Org Presidents 05:41 Building Relationships with Students and Attorneys 10:19 Navigating Budgets and School Resources 12:31 Collaborating with Other Student Organizations 14:26 How to Pitch and Land Guest Speakers 16:55 Engaging Professors and Administration 18:48 Most Impactful Student Initiatives 20:40 Preparing Your Board for a Smooth Handoff 23:39 Encouragement for Latino Law Students 25:48 Leadership Lessons: The Power of Delegation 27:55 Closing Remarks on Stewardship Transcript (PDF): https://drive.google.com/file/d/1n2tkV2Pb_kIcyvQB1lCWcDlHReI8d4CC/view?usp=sharing  Music Credit: "Late Night Crush" by Netuno https://www.pond5.com/royalty-free-music/item/312639960-late-night-crush-short-intro-dance-upbeat-house-urban-party   Widener University Commonwealth Law School is the Pennsylvania capital's only law school, with four specialized centers of legal scholarship through its Law & Government Institute, Environmental Law and Sustainability Center, Business Advising Program, and Center for Equity and Justice. Widener Law Commonwealth offers an exceptional learning experience that is personal, practical, and professional. Visit commonwealthlaw.widener.edu for more information.

One of the hardest parts of parenting a child with OCD is not knowing what's actually going on. Your child insists they're “fine,” avoids your questions, or simply can't explain what they're experiencing. It can leave you feeling confused, shut out, and unsure of how to help.In this episode, I talk about why so many kids keep their OCD hidden, even from the people they trust most. You'll learn why silence is often part of OCD itself and why pushing for answers can unintentionally make it harder for your child to open up.We'll also discuss practical ways to build trust, strengthen communication, and support your child, even when you don't fully understand what their OCD is about. Because you don't need to know every intrusive thought to begin helping your child make progress.Mentioned in this episode:Download the free companion handout: www.natashadaniels.com/handouts

Season 6 kicks off in October 2026. In the meantime, while we take a short break, you're getting the most popular episodes from Season 5. Enjoy! One small choice… and suddenly it feels like everything is ruined. If you've ever found yourself stuck in the cycle of “I'll start over tomorrow,” this episode offers a different way forward. Learn how small, faithful habits can break the cycle, help you reset in the moment, and grow into lasting change over time. Get your show notes: https://gracefilledplate.com/growing-lasting-change/ Links mentioned: Get your 15 Tips from the Bible to Overcome Overeating For a deep dive, check out Grace Filled Plate Platinum and be sure to get on the waiting list You may also love: Armor + Fruit Bible Study Bundle Season 1 Episode 29: How to Be TRULY, Biblically Healthy Season 2 Episode 5: What are the First Steps to Finding Freedom IN CHRIST From Overeating? Season 3 Episode 16: What Does the Bible Say about Eating Healthy? Season 4 Episode 7: How Do You Follow God's Leading in Your Food Choices Get a FREEBIE: Get your FREE Faith [is greater than] Food Jumpstart

In the third part of our interview series with Mikel Wisler, we dive into the business of writing books and making movies. Mikel's been doing this for awhile and there's a lot to learn, especially for those just jumping in. Mikel and Max talk first steps for film and books, going from the idea stage to seeing your concept come to life. Mikel shares some mistakes to avoid and gives his take on the indie film industry in 2026. We also go over some insights into the many ways you can take your passion project and make it your new job. Visit http://www.mikelwisler.com/ for more. Episode 1– https://citywideblackout.podbean.com/e/mikel-wisler-returns-ai-and-human-trafficking-combine-in-proxy/ Episode 2– https://citywideblackout.podbean.com/e/mikel-wisler-talks-time-travel-thrillers-in-stop/

Decentralized clinical Trials (DCTs) bring some or all elements of a clinical trial closer to patients. Consent, screening, treatment administration, and more can be administered through digital technologies and local health care providers, expanding accessibility for patients who face barriers to participation in traditional single site trials. In this episode, CANCER BUZZ speaks with Erin Pierce, MSN, APRN, FNP-C, Associate Clinical Investigator and Nurse Practitioner at HonorHealth Research Institute, and Kristen Kipping-Johnsson, MPH, Director of Network Research Operations at the University of Chicago, about how each of their cancer programs are approaching DCT implementation. Their discussion explores how decentralized components, such as community-based treatment delivery, centralized research infrastructure, and hybrid trial designs, can increase participation opportunities for patients in both community and academic settings. Guests: Erin Pierce, MSN, APRN, FNP-C Associate Clinical Investigator Nurse Practitioner HonorHealth Research Institute Scottsdale, AZ   Kristen Kipping-Johnson, MPH Director of Network Research Operations University of Chicago Chicago, IL "APPs are really poised to step into that role [of investigator] and help, not take the place of physicians, but work alongside our physician colleagues and enable us to expand the abilities of research." —Erin Pierce, MSN, APRN, FNP-C "Quality of life, being able to keep patients treated closer to home, allow them to stay with the physician that diagnosed them...Those are the things that are really important to me when it comes to decentralization." —Kristen Kipping-Johnson, MPH Resources HonorHealth Research Institute's First Steps to Approaching Decentralized Clinical Trials (DCTs) University of Chicago's Path to Operationalizing Decentralized Phase 1 Trials Across a Regional Network ACCC's Community Oncology Research Institute White Paper: Bringing Cancer Research to the Community:  Strategic Approaches to Representative Oncology Clinical Trial Design This podcast was created in partnership with the Decentralized Trials & Research Alliance, with support from Eli Lilly and Company, Gilead Sciences, and Merck.

Is your enrollment strategy based on hope, or do you have a plan? Many child care owners assume enrollment will take care of itself until empty classrooms start affecting their bottom line. The truth is, full enrollment doesn't happen by accident. It happens because of consistent systems, smart decisions, and a clear understanding of your numbers.   Join Brian and Carol Duprey for Part 1 of a three-part series on the path to full enrollment. In this episode, they discuss why tracking historical enrollment trends can help you make better decisions, how to identify gaps before they become major problems, and why flexibility with classroom configurations, part-time care, and scheduling can make a significant difference. You'll also hear why knowing your full-time equivalent (FTE) numbers is one of the most important metrics every owner should understand.   Listen in as Brian and Carol share simple ways to prepare your center for more enrollments, from making sure your facility is tour-ready to creating a stronger tour experience that helps families confidently choose your program. They also explain why many centers leave revenue on the table by overlooking opportunities that already exist within their current staffing and enrollment structure.   Whether you're trying to fill a few openings or build a long-term enrollment strategy, this episode will help you think differently about growing your center. Tune in to discover how better planning, stronger tour systems, and the right technology can help you move closer to full enrollment, while setting the stage for even more marketing and financial strategies in Parts 2 and 3 of this special series. Mentioned in this episode: GET TICKETS to the Child Care Genius LEVERAGE Conference:  https://childcaregenius.com/leverage    Need help with your child care marketing? Reach out! At Child Care Genius Marketing we offer website development, hosting, and security, Google Ads creation and management, done for you social media ads management. For social media content we have the Genius Box, which is a monthly subscription chock full of social media & blog content, as well as a new monthly lead magnet every month! Learn more at Child Care Genius Marketing. https://childcaregenius.com/marketing-solutions/  Schedule a no obligation call to learn more about how we can partner together to ignite your marketing efforts.   If you need help in your child care business, consider joining our coaching programs at Child Care Genius University. Learn More Here. https://childcaregenius.com/university     Connect with us:  Child Care Genius Website Like us on Facebook Join our Owners Only Private Mastermind Group on Facebook    Join our Child Care Mindset Facebook Group Follow Us on Instagram Connect with us on LinkedIn Subscribe to our YouTube Channel Buy our Books Check out our Free Resources

This Week on First Steps, we watch "Star Wars: The Mandalorian" Season 1 Episodes 7 & 8 "The Reckoning" and "Redemption"

Mississippi State football has brought Jahron Manning and Malick Sylla back to campus to prepare for the season should the Appeals Court not overturn the recent ruling for 5-for-5 eligibility for 2022-23 entrantsOur Sponsors:* Check out BetterHelp: https://www.betterhelp.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

"Everybody thinks that autonomous heavy equipment is commonplace, whereas in fact the adoption is basically zero."Frederik Filz-Reiterdank said that to us from the operator's seat of an autonomous roller, on a live chip fab site in upstate New York, with his dozers and dump trucks working away behind him.His company, Crewline AI, raised a $7.1M seed earlier this year led by Initialized Capital and Nebular to automate the machine operators hate driving.What we got into:✅ Why the roller is the wedge for construction autonomy, and why the excavator falls last✅ A retrofit kit that turns a standard drum roller into a self-driving one in under an hour✅ Selling a "virtual roller operator" instead of renting out a robot✅ The four month insurance grind nobody warns robotics founders about✅ Why 95% of candidates are disqualified the moment they hear about the forward-deployed lifestyleFull episode now live on YouTube and Spotify.#bricksandbytes #bricksbytes #bricksbucksandbytes #aec #construction #constructiontech #ai #vcOur Sponsors:BreadCrumb- 50,000+ projects globally. All running safer, faster, with Breadcrumb. - breadcrumb.coAphex is the multiplayer planning platform where construction teams plan together, stay aligned, and deliver projects faster – check out aphex.coArchdesk - “The #1 Construction Management Software for Growing Companies - Manage your projects from Tender to Handover” check archdesk.comChapters00:00 Teaser01:00 Introduction and Context of the Conversation03:43 Autonomy in Construction: Current State and Misconceptions09:21 Choosing Rollers: The Perfect Wedge for Automation11:47 Understanding Pain Points in Construction14:55 Business Models: Robotics as a Service vs. Outcome-Based Pricing18:49 Deployment Strategy for Autonomous Rollers21:00 Insurance and Liability Challenges22:09 Building Trust with Customers24:45 Overcoming Skepticism in Construction27:49 Future of Automation in Construction32:10 First Steps for Contractors

What physical activity gives you joy? Whether it's walking, running, dancing or swimming, your body evolved to do it. We are made for movement. But there's a cost, as anyone with a sore neck or aching back knows. From the tiny muscles in our skin, which raise the hair on our arms, to the intricate mix of bone, blood vessels, and nerves in our neck, natural selection has struck a delicate and sometimes wacky balance between utility and form. In this episode, we explore how parts of the body - our muscles, neck and feet - came to be, and what forces prompted the evolution of efficient yet imperfect bodies.  Guests:  Kent Dunlap - Professor of biology at Trinity College in Hartford, Connecticut and author of “The Neck: A Natural and Cultural History”  Bonnie Tsui - Journalist and author of “On Muscle: The Stuff That Moves Us and Why It Matters”  Jeremy DeSilva - Anthropologist at Dartmouth College and author of “First Steps, How Upright Walking Made Us Human”  Featuring music by Dewey Dellay and Jun Miyake  Originally aired June 30, 2025  You can get early access to ad-free versions of every episode by joining us on Patreon. Thanks for your support!  Big Picture Science is part of the Airwave Media podcast network. Please contact advertising@airwavemedia.com to inquire about advertising on Big Picture Science.  Learn more about your ad choices. Visit megaphone.fm/adchoices

314 - Rock Bottom, Recovery, and the Red Hat: Larry Roberts on Losing Everything and Choosing Courage He had 12 years of sobriety, a thriving podcast production company, a recognizable personal brand, and a speaking career that put him on stages across the country. And then, quietly and completely, he lost all of it. In this episode of Comfort to Courage, Larry Roberts, founder of Red Hat Media and one of the most recognized voices in the podcasting world, pulls back the curtain on his very public and brutally honest battle with alcoholism, including multiple rehab stints, a DUI, a dissolved business partnership, near-death, and the moment a phone call he almost didn't answer saved his life. Larry doesn't sugarcoat a single chapter of this story. He walks through how 12 years of sobriety left him dangerously overconfident, how his drinking exploded from a couple of shots before a speaking engagement to a seven-week stretch where he ate just five cups of noodles, and how he ended up in a San Diego recovery facility on day 51 with no income, a dissolved business, and a marriage hanging by a thread. What makes Larry uniquely worth listening to is not just how far he fell, but what he's choosing to do next. He talks candidly about rebuilding Red Hat Media, an upcoming AI-powered podcast production tool he's developing, and the mindset shifts that are making this recovery attempt different from the ones that came before. This episode is for anyone who has ever hit a wall and wondered if there's a way back. It's for entrepreneurs who have watched a business they built from scratch fall apart. It's for anyone who has been touched by addiction, in their own life or someone else's, and needed proof that asking for help is not weakness. It is the bravest thing you can do. If you're standing at the base of a steep hill and you're not sure you have what it takes to climb it, Larry Roberts just spent the better part of an hour showing you it's possible. 5 Powerful Takeaways Isolation makes recovery impossible: Larry explains why going dark and cutting off his entire network was the single most destructive decision he made, and how one vulnerable phone call set everything in motion toward healing. Twelve years of sobriety can become a trap: Larry reveals how his previous success staying sober created a dangerous arrogance that left him completely unprepared when alcohol came back into his life. Brand damage is survivable: After going silent on social media for nearly 10 months and burning real professional bridges, Larry lays out the exact mindset he's using to rebuild Red Hat Media from scratch. The "God smack" moment is real: Larry shares the story of a phone call from a recovery facility that came in the exact window when he had stopped answering his phone and had quietly accepted he might not survive the week. Affirmations aren't soft, they're strategic: Inspired by David Goggins, Larry explains why writing and repeating daily affirmations is one of the highest-leverage tools available to anyone trying to rewire their mindset from a place of rock bottom. About the Guest Larry Roberts is the founder of Red Hat Media, a podcast production, branding, and AI solutions company he built into a nationally recognized platform. Known across the industry as the Red Hat Guy, Larry has spoken on major stages including PodFest, consulted with brands on positioning and content strategy, and amassed a loyal following under the handle @TheLarryRoberts across social media. He authored the book Under the Red Hat, exploring how personal identity shapes brand power. He is currently in recovery in San Diego and is developing an AI-powered podcast production tool with a projected launch at PodFest, aiming to remove up to 90 percent of manual production from the podcasting workflow. 00:00 Courage Is Contagious 01:17 Badassery Bestowment 02:12 Five Courage Reps 04:48 Meet Larry Roberts 06:22 Red Hat Media Origin 09:50 Branding And AI Expansion 11:29 Red Hat Pushback 13:31 Relapse And Rock Bottom 19:08 Rehab Spiral And DUI 25:14 Rebuilding The Red Hat 27:34 Jen Reacts And Support 29:02 Why This Time Sticks 31:10 Hitting Rock Bottom 32:56 Sober Living Reality Check 34:12 First Steps to Sobriety 35:30 Finding Rehab Options 38:20 Mindset and Affirmations 40:15 Badass Rapid Fire 43:16 AI Podcast Production Dream 46:16 Strength and Success Redefined 48:34 Where to Find Larry 49:33 Final Send Off Resources & Websites Mentioned Larry Roberts website: https://www.larryroberts.com Larry Roberts on social media (Instagram, Facebook, LinkedIn): @TheLarryRoberts Book by Larry Roberts: Under the Red Hat Book recommended by Larry: Extreme Ownership by Jocko Willink Connect With Jen Josey To learn more about Jen Josey, visit https://www.therealjenjosey.com/ If you enjoy Jen's Witty Shirts, shop the whole collection at https://www.shopwittygoods.com/ New episodes drop every Monday Morning at 6am EST. See you next time.

What physical activity gives you joy? Whether it's walking, running, dancing or swimming, your body evolved to do it. We are made for movement. But there's a cost, as anyone with a sore neck or aching back knows. From the tiny muscles in our skin, which raise the hair on our arms, to the intricate mix of bone, blood vessels, and nerves in our neck, natural selection has struck a delicate and sometimes wacky balance between utility and form. In this episode, we explore how parts of the body - our muscles, neck and feet - came to be, and what forces prompted the evolution of efficient yet imperfect bodies.  Guests:  Kent Dunlap - Professor of biology at Trinity College in Hartford, Connecticut and author of “The Neck: A Natural and Cultural History”  Bonnie Tsui - Journalist and author of “On Muscle: The Stuff That Moves Us and Why It Matters”  Jeremy DeSilva - Anthropologist at Dartmouth College and author of “First Steps, How Upright Walking Made Us Human”  Featuring music by Dewey Dellay and Jun Miyake  Originally aired June 30, 2025  You can get early access to ad-free versions of every episode by joining us on Patreon. Thanks for your support!  Big Picture Science is part of the Airwave Media podcast network. Please contact advertising@airwavemedia.com to inquire about advertising on Big Picture Science.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is Monday, Aug. 3. Here are the latest headlines from the Fargo, North Dakota area. InForum Minute is produced by Forum Communications and brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, visit InForum.com.

Kicking off a new musical venture has a lot of steps, and in this episode, we talk with Seattle/Tacoma artists Jody Ellen and Tara Chugh of the band The Sirens about some of the key first parts in the process. We also go into the different ways to grow this into a career, and how you balance the various aspects that can make it up. Jody and Tara share the story behind the band's recent single, “Reverberations” and the themes found within the notes. They talk about how they first met and what happened to kick off this collaboration. We also get a sneak peek at a soon-to-be-released single later this summer. “Reverberations” wraps up this interview, and we hope you check out their other releases. Want to know more? Check out http://thesirensband.com/. Photo Credit: Skye Warden

The Institute of Internal Auditors Presents: All Things Internal Audit In this episode, we're moving past the hype and getting into how internal audit functions are using GenAI now -- not in theory, not in three years, but today. Doris Myles sits down with Neil White to talk through where the biggest efficiency gains are happening, how to pick the right use cases when everything feels urgent, and why most functions aren't failing at GenAI: They're just stuck. White shares the framework he uses to prioritize AI investments, why building a prompt library is the most underrated action any function can take immediately, and what he believes internal audit will look like in 10 years. HOST: Doris Myles, CIA, CPADirector of Internal Audit, St. Jude Children's Research Hospital GUEST: Neil White Audit and Assurance Principal, Deloitte & Touche LLP KEY POINTS: Introduction [00:00:00-00:00:43] Where GenAI Creates the Biggest Lift [00:00:43-00:02:34] From Automation to Agentic Reporting [00:02:34-00:04:31] Current Adoption and Internal Audit's Dual Role [00:04:31-00:06:51] Prioritizing Use Cases and Building a Prompt Library [00:06:51-00:10:58] Why GenAI Initiatives Stall [00:10:58-00:14:21] Gaining Enterprise and Leadership Alignment [00:14:21-00:16:38] Building Trust and Preserving Professional Skepticism [00:16:38-00:18:46] Explainability, Traceability, and Reliable Outputs [00:18:46-00:20:54] Balancing Speed, Human Review, and Model Validation [00:20:54-00:23:45] Scaling GenAI Across the Audit Function [00:23:45-00:25:41] First Steps for Internal Audit Leaders [00:25:41-00:27:35] IIA RELATED CONTENT:  Interested in this topic? Visit the links below for more resources: Global Internal Audit Standards Vision 2035 Cybersecurity Topical Requirement Knowledge Center: Artificial Intelligence All Things Internal Audit Tech: Leadership Lessons from Scaling AI-Driven Companies   Visit The IIA's website or YouTube channel for related topics and more. Follow All Things Internal Audit: Apple Podcasts Spotify Libsyn Deezer

Welcome to PTBN Pop's Movie Review of The Day! Every weekday we will be reviewing a movie whether it be currently in theaters, featured on streaming or just a film that we hold near and dear to us. On today's episode, Andy Atherton is reviewing “The Fantastic Four: First Steps” from 2025 starring Pedro Pascal, Vanessa Kirby, Ebon Moss-Bachrach, Joseph Quinn & Julia Garner.

Choosing a Trustee: Why Naming Your Kid May Be a Mistake — Marguerite Lorenz Short answer: Naming your child as trustee, executor, or agent under your power of attorney is the default choice for most American families — and it is frequently the wrong one. In this episode of Wealth Actually, host Frazer Rice talks with California Licensed Professional Fiduciary and Master Certified Independent Trustee Marguerite Lorenz about why roughly two-thirds of American adults still have no estate plan, why the job of a trustee is far more intimate and technical than families expect, and how to decide between a family trustee, a bank or trust company, and an independent professional trustee. https://youtu.be/56bzuORe8YI Episode Overview: Who Will Actually Run Your Plan? Most estate planning conversations stop at the documents. Marguerite Lorenz argues the documents are the easy part. The hard part is staffing — deciding who steps in when you can no longer make new decisions, and whether that person can absorb the technical, financial, and emotional weight of the job. Lorenz has served as trustee, executor, agent under power of attorney for finance, and agent for health care for hundreds of families since 2003. She is the author of three books — Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and the newly updated Ethics for Trustees 2.0 — and she is Vice-Chair of the Independent Trustee Alliance. Her framing line, and the one that should stick with every listener: “If you don’t get your estate plan done, you’re suing your family. You’re making them go to court. And who would want to make anyone else go to court?”— Marguerite Lorenz This is the second time Marguerite has joined the show. Her first appearance covered the mechanics of individual trusteeship: EP.75 — Individual Trusteeship with Marguerite Lorenz. Key Takeaways •Only about a third of American adults have any written estate plan — and Lorenz argues half of those plans would not actually function when needed. •Professionals are barely better than the public. When Lorenz polls rooms of attorneys, CPAs, and financial advisors, roughly one-third raise their hands for a complete, up-to-date, ready-to-go plan. •The trustee role is intimate, not administrative. A trustee sees your paperwork, your bills, your medications, and your bedroom. “Who is going to be the first person in your bedroom when you are no longer able to make new decisions?” •Incapacity, not death, is the long tail. Many people live for five or six years unable to make new decisions. The trustee’s job often runs during your lifetime, not just after it. •A professional trustee can be temporary. Lorenz recounts stepping in for a client during cancer treatment, providing a full accounting, and stepping back down when he recovered — then serving again after his death. Would your child step back down? •Estate planning is about preferences, not predictions. “Our power in estate planning is not prediction, it’s setting our preferences” — and preferences can only be set while you are competent. •Quality of life belongs in the plan. Not just tax, legal, and financial terms — but how you want to live, where you want to live, and what small things matter (for Lorenz, an international selection of dark chocolate). •Digital assets are now a core trustee problem. Phones, social accounts, and daily transactions all require someone with access and authority. •A will does nothing while you are alive. “The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone.” •Cost is usually overestimated. Both an estate plan and an independent professional trustee typically cost far less than probate court. •Revisit every five years. Calendar a five-year check-in with your attorney to review law changes, marriages, divorces, births, and deaths. Chapters and Timestamps •[00:00] Cold open: “If you don’t get your estate plan done, you’re suing your family.” •[00:32] Welcome back — introducing Marguerite Lorenz, California trustee and author •[01:14] Luck or Control? — why fear keeps families from finishing an estate plan •[02:22] What a full-time trustee actually sees: trustee, executor, agent for finance, agent for health care •[03:49] Why families default to naming a child — and where that breaks down •[05:00] The skill set nobody screens for: negotiation, calm, empathy, and grief •[05:40] Case study: serving as temporary trustee through a client’s cancer treatment — and stepping back down •[07:51] Why even attorneys need their own attorney: nobody is objective about their own circumstances •[09:09] The five-year estate plan check-in as a life milestone •[09:39] How to Be a Successful 90-Year-Old — living well to the very end •[10:20] The “black box” problem: privacy, dignity, and care in your own home •[11:54] Preferences over predictions — planning for your future vulnerable self •[13:40] Rewriting an advance health care directive after hundreds of hospital bedsides •[16:13] The statistics: only a third of adults — and only a third of professionals — are actually ready •[17:47] Frazer’s challenge to advisors: you can’t advise well if you aren’t practicing what you preach •[18:22] The first question in Luck or Control?: “Hey professional, do you have your estate plan done?” •[19:21] Ethics for Trustees 2.0 — what’s new in the updated audio and PDF edition •[20:27] Family trustee vs. bank trustee vs. independent professional trustee •[21:52] The looming crisis: the great wealth transfer, incapacity, and digital assets •[24:54] Documenting the “why” behind hard trustee decisions •[25:23] Probate courts overrun, bioethics committees, and next-of-kin defaults •[26:54] Where to find the books, the podcast, and the Independent Trustee Alliance directory About the Guest: Marguerite Lorenz, MCIT, CLPF Marguerite Lorenz is a California Licensed Professional Fiduciary (CLPF #319) and a Master Certified Independent Trustee (MCIT). She has served as Trustee, Executor, Agent for Finance, and Agent for Health Care for more than 200 families since 2003 as managing partner of Lorenz Private Trustees. Marguerite is Vice-Chair of the Board of the Independent Trustee Alliance, past Chair of the California Professional Fiduciaries Bureau Advisory Committee, and host of the Plan For This podcast. She is the author of Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and Ethics for Trustees 2.0. About the Host: Frazer Rice Frazer Rice is the author of Wealth, Actually: Intelligent Decision-Making for the 1% and host of the Wealth Actually podcast, where he interviews experts, entrepreneurs, and commentators on preserving assets and enjoying wealth. Resources and Links Mentioned •PlanForThis.com — Marguerite’s books, the Plan For This podcast, and a free First Steps toolkit. Ethics for Trustees 2.0 is now exclusive to this site (audio + PDF bundled with purchase). •TrusteeAlliance.com — the Independent Trustee Alliance directory for locating certified independent trustees by state. •Marguerite Lorenz on LinkedIn •California Professional Fiduciaries Bureau — state licensing for professional fiduciaries •Related episode: EP.75 — Individual Trusteeship with Marguerite Lorenz •Related episode: What If You Are Named in a Will or Trust? Frequently Asked Questions Should I name my child as trustee? Not automatically. A child understands the family but may lack the technical skill to handle tax, legal, financial, and medical decisions — and may be grieving or in conflict with siblings at the exact moment judgment is required. Marguerite Lorenz notes that a trustee must be a good negotiator, stay calm under pressure, set aside personal feelings, and enforce rules the grantor set. She also raises a test most families never consider: if you recover, would your child voluntarily step back down and hand you a full accounting? What is the difference between a family trustee, a corporate trustee, and an independent trustee? A family trustee is a relative or friend serving in a personal capacity, usually unpaid and untrained. A corporate trustee is a bank or trust company with institutional infrastructure, minimum account sizes, and staff turnover. An independent professional trustee is a licensed or certified individual — like a California Licensed Professional Fiduciary — who serves full-time, carries a succession plan, and can often be engaged at a lower cost than families expect. The Independent Trustee Alliance maintains a national directory of independent trustees. What does a trustee actually do while I am still alive? A trustee acting during incapacity manages assets, accounts for every dollar, handles taxation, pays bills, coordinates care, and increasingly manages digital assets such as phone-based transactions and social media accounts. Lorenz emphasizes that many people live for five or six years unable to make new decisions, so the trustee’s lifetime role is often longer and more demanding than the post-death administration. How often should I update my estate plan? Roughly every five years, or sooner after a major life event such as marriage, divorce, birth, death, a liquidity event, or a change in tax law. Lorenz recommends putting a five-year reminder in your phone to call your attorney and ask what has changed in the law and in your life. What happens if I go to the hospital without an estate plan? The hospital and its bioethics committee will do the best they can and will look for next of kin to make decisions for you — potentially people with whom you have never discussed your personal wishes. A will does not help here, because a will only operates after death. Financial and health care powers of attorney are what grant someone authority while you are alive. Is an estate plan expensive? Usually less than people assume, and materially less than probate court. Lorenz makes the same point about professional trustees: “Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about.” Do financial professionals have their own estate plans? Often not. When Lorenz polls audiences of attorneys, CPAs, and financial advisors, only about a third report having a complete, up-to-date, ready-to-go plan — barely better than the general public. Her challenge to the profession is that clients will increasingly ask advisors directly: “Do you have your estate plan completed?” Pull Quotes “Our power in estate planning is not prediction, it’s really about setting our preferences.” “Who’s going to be the first person in your bedroom when you are no longer able to make new decisions?” “I’m not in charge. I’m a servant-manager.” “Once I get my estate plan done and updated, I don’t think about it anymore. My head space is so clear because everything I was worried about has been thought about, considered, allowed, and put down in writing.” Full Transcript Transcript lightly edited for clarity. Timestamps are approximate. [00:00] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. You’re making them go to court, right? And who would want to make anyone else go to court? [00:08] Announcer: Welcome back to the Wealth Actually podcast, the show that features experts, entrepreneurs, and commentators that will give you the right knowledge, planning, and guidance so you can preserve your assets and enjoy your wealth. Learn more and subscribe today at wealthactually.com. This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinion of the employers of the host or guests. [00:32] Frazer Rice: Welcome back. Friend of the podcast Marguerite Lorenz is on the podcast this week. She’s a California trustee and has a new book called Luck or Control? out. We’re going to talk a little bit about fiduciary matters and what it takes to have good staffing within your estate plan. Welcome back, Marguerite. [00:54] Marguerite Lorenz: Thank you, Frazer. [00:55] Frazer Rice: Since the last time you were on, you have a couple of books out and we’ve gotten to see each other a couple of times with the Independent Trustee Alliance. Let’s talk a little bit about the new book that you just published and what you’re trying to do with it. [01:14] Marguerite Lorenz: So that book is Luck or Control? The Life-Improving Power of Estate Planning. And I wrote it because I’ve seen hundreds and hundreds of families really struggle with how this is going to get done, and many people don’t get their estate plan done at all because they’re so afraid. They don’t know what to expect, they don’t want to talk about their mortality, they don’t want to have serious conversations with their loved ones. And if we don’t have those conversations, we really lose all control when we need it the most — when that medical crisis happens or when life changes in a big way. [01:52] Frazer Rice: No question about it. And I went through the book and it’s an important read, because for those people who really have to get their affairs in order and feel stuck for some reason, I think you do a good job of laying out why you need to get unstuck and then how to take a couple of steps to initiate those conversations and get the important things down so that you can then have the deeper conversations that help out later on as you’re structuring things. What part of your experience being a full-time trustee helped to inform all of this? [02:22] Marguerite Lorenz: Well, as a trustee professionally, I’ve met with lots of different families in lots of different circumstances. And for many of them they’ve named me, and so I’m serving in that role. It’s not just trustee; it’s trustee, executor, agent on the power of attorney for finance, and even as agent for health care. And so that’s a very intimate job. It’s a job where you end up seeing someone’s entire life, or as much as you can of another person — their paperwork, how they do things, how they pay their bills, how they live, what medications they take. It’s really very intimate. And I think a lot of us assume that our children know us and they’ll do what we want them to do. But the thing is that it’s very likely you haven’t lived with your children in the same household for decades. And now you’re asking them to come back, drop their life, and come in and be that person for you. Be the person who’s going to protect your privacy, be that person who’s going to protect the way you want to live. And they may disagree with the way you want to live. They may actually have issues with some of the choices that you’ve made or how you’ve proceeded. So now, in addition to having a medical challenge where you’re not able to make new decisions — maybe temporarily, maybe permanently — now you have someone who wants to run the show or actually be in charge. In my job as a professional trustee, I’m not in charge. I’m a servant-manager. I’m really taking the trustor’s wishes and how they’ve structured things and really looking at that to be sure that I can continue it as best I can with all the changes that have occurred. [03:49] Frazer Rice: One of the things we were talking about before we got on board, and something we’ve discussed generally through the Independent Trustee Alliance, is that people who are asked to serve in those roles usually are family members. And for people who are uninitiated in the field, that seems like an obvious choice, because they’re really trying to put somebody in there who understands the family. But as you and I know, they may not be necessarily qualified to deal with the technicalities of the different roles that we just discussed. But also, the idea of taking on the emotional toll of these new conditions can be something different and unapproachable for many people. [04:30] Marguerite Lorenz: Well, I think it helps to kind of look at some of those issues. So you might have more than one child. Even if you have an only child, these issues apply. And now you’ve been in the hospital and you’re expecting this person to deal with your tax, legal, financial, and medical decisions. This person has to be a good negotiator. This person has to be calm when there’s issues that arise, and they may have feelings — they may be grieving that things have changed for themselves and in their relationship with you. So I think to be really empathetic and to be really kind and compassionate, we have to get our own stuff in order so that we can really have a good experience for our last days. And again, some of these roles that I’ve served in have been temporary. Let me give you an example. I worked with a gentleman whose wife had passed away because of cancer. She had been gone about two years and he himself was diagnosed with cancer. So he already knew what that might be like, right? She had already had chemotherapy; he was right there with her through all of that experience. Well, now faced with it himself, he said, “In order for me to do this, I don’t have a partner. I need somebody who’s going to deal with the business of my life so that I can focus on my health.” He named me as his trustee. I became active. I reported to him because he was still able to receive those reports. He was certainly mentally able, but physically it was really hard. He was exhausted most of the time. And he was going to grief support for the loss of his wife and going to chemotherapy treatments. So you can imagine just how full his day was. So we’re into this two years. He met a woman at grief support. He was feeling better because the treatment worked, and he decided he wanted to travel the world before he died. And he married this woman, and they were very happy together. And he asked if he could be trustee again. So — I’m a professional trustee. It’s part of my duty to step back and step down when the trustor who wants to be trustee again wants that job back. So I gave him a full report, he had an accounting, he knew exactly what had happened during my term. He went on with his life, and then he passed away and I became trustee again. So I just wanted people to know that it could be temporary. It’s not necessarily a permanent job. Would your child step back down? [07:14] Frazer Rice: No question. Once in the role, sometimes it’s difficult to get out of it. But you did the right thing in terms of getting an accounting, making sure that your duties stopped when you were told to get off, and then when you were ready to come back on, that those sightlines are very clear. And that’s what comes with talking to a professional like you. You understand those parts so that you’re not having things bleed from one role into another and having liability issues or misunderstandings with the next generation. [07:51] Marguerite Lorenz: Right. And let’s talk about working with professionals from the beginning. We don’t know what we don’t know. And even attorneys need to go to an attorney to get their estate plan done. There may be attorneys who disagree with that, but none of us can be truly objective about our own circumstance. And we need someone who’s going to ask us some tough questions and really help us figure out: what is our intention? How do we feel about this? What’s important to us? So, getting my own estate plan done — I was a single mom in a new profession. I had just become a fiduciary and I had just learned about estate planning. I was learning so much at that time and realized, every time I drive on the freeway, I’m risking my children’s future. I’m their only parent. What can I do about that? So estate planning isn’t just about money, and it isn’t just about death. It’s also about taking an inventory. What do I have? What have I accomplished? Who do I love? What do I really care about? And once we get to have those kinds of conversations, our whole perspective on life improves. And I’ve used my own estate plan, every time I’ve gone to update it, as sort of a milestone check — where am I now? [09:09] Frazer Rice: Maybe the standard procedure is every five years to check in and make sure that life has not advanced as far as divorce, deaths, new kids, marriages, things like that, to make sure that the plan is in place. And it’s a great milestone to reflect on things. And then, as we move up the ladder wealth-wise, if there are changes in tax laws and things like that, it’s important to make sure that the plan understands that change and is able to accommodate what’s going on on that front. Let’s take that as a segue. You have another book that you came out with, How to Be a 90-Year-Old — or a well-functioning 90-year-old. [09:36] Marguerite Lorenz: How to Be a Successful 90-Year-Old. [09:39] Frazer Rice: More than well-functioning — actually successful. How to Be a Successful 90-Year-Old. I have not read that yet, so tell us a little bit about what’s going on there. [09:47] Marguerite Lorenz: Well, I want everyone to have that blue ribbon feeling at the end of their lives. And I picked 90 because I have had clients that have reached a grand old age of over 100. My last client passed at 105. So it is possible to live well until the very end. And I’ve been working with people for over 20 years that are much older than me, who have lots of wisdom and experience to share. Their stories are important. So for people that are serving as trustee — whether you’re a family member trustee or you’re a professional — this book might be helpful, because I actually talk about the relationships with those clients. And I also talk about some things we could do now so that life is simpler, better, and more comfortable when we might need some help. And that’s another barrier that a lot of us have. We have this barrier to having someone come into our home and help us. Our home is our sanctuary, it’s our private space. But I want everyone who’s listening right now to just think about it: who’s going to be the first person in your bedroom when you are no longer able to make new decisions? And do you want that person to see everything that might be in your bedroom? Many, many adults have what I call a black box. We have something that’s private that really, really we keep to ourselves. But everything gets exposed once you are not able to care for yourself. So then what? Well, many people want to stay in their home no matter what, as long as possible. So imagine, if you will — some of my clients have lived in the same home for 30, 40, 50 years. And now they have to get care. Can we arrange to have that care in their home? So this exploration is really about living well to the very end. There are some really great tips, things I’ve learned from my 90-plus-year-old clients that I’ve employed and deployed for myself. [11:23] Frazer Rice: Just as an example there — I’m a ripe old age of 53 shortly. The idea of getting things in place while you’re at the peak of your powers, and you don’t have the difficult decision of having the car keys taken from you, or being in a home that isn’t appropriate for you anymore, meaning you don’t have the necessary safeguards for showers and stairs and things like that. Do you get into that, as far as trying to look five years ahead to make sure that the things that you can do now in a more comfortable environment take place before maybe the emergency happens and then all of a sudden we say, “Oh my gosh, we’ve got to do a complete overhaul here”? [11:54] Marguerite Lorenz: Well, as you know, Frazer, our power in estate planning is not prediction, it’s really about setting our preferences. And if we don’t do that while we feel good, while we’re competent, while we’re thinking clearly, we don’t get a chance to express that or do that once we’ve lost our competence. So this is really important — that I’m thinking about my future vulnerable self. I’ll give you a small example for me personally: dark chocolate is part of my life. I like having an international selection of dark chocolate and I don’t want the same kind every day. I feel the nuances and the taste and the flavors; it’s important to me. For some people that might be wine, for other people it might be fine literature. It really depends on what you’re into. Well, our estate plan can be just about tax, legal, and financial stuff, but it really should be more. It should be about our quality of life. And that’s really what I’m instructing and what I’m talking about in a very warm, personal way in How to Be a Successful 90-Year-Old. And even in Luck or Control?, I want people to understand the function of the documents. So we talk about the documents and what they’re supposed to do to assist your person. But you have to have a person. And you might choose to have a trust company or a bank serve as your trustee, you might have a family member, you might have an individual like me — an independent trustee. You can find more independent trustees at the Independent Trustee Alliance. But the point is: how do I want to live? Who do I want to have help me? What does that help look like? Well, you might not know all the answers right now, but if you begin now, your eyes open to different possibilities. I’ll give you an example: I have visited lots of hospitals. I’ve been to people’s bedsides many, many times. I’ve learned that there are certain procedures I’m just not willing to go through. So in my mind I had to update my advance health care directive to basically say: this shell that I’m in, the case I walk around in, the machine that I live in, needs to be kept alive long enough so that my boys can say goodbye. And that’s not for me, that’s for them. But I don’t want it to go on interminably. [15:00] Marguerite Lorenz: So I’m pretty specific in my documents about what I want. So I’m hoping to help people have a little perspective — use that energy you have, use the power that you have right now to make decisions for yourself, and allow yourself the opportunity to update your estate planning documents from time to time, so that what you learn goes into your documents, and what you decide and what your intention is, is clear. [15:23] Frazer Rice: One of those points that you bring up that I think is important is that you can be a really good user of professional services with some forethought. To muse a little bit about what the end of life looks like is somewhat an unpleasant thought, if you feel like you’ve got less than your full faculties and that ends up being your future. But thinking about that and putting some planning around it, and real ideas about what you want others to take away from your end of life, in many ways I think is a great way to really get the documents put in place and reduce tension and questioning later, and any ambiguity that there might have been ahead of time. [16:13] Marguerite Lorenz: Well, that’s the thing too that we don’t necessarily consider when we avoid estate planning. And I’m talking to all the professionals who listen to you, Frazer. The percentage of professionals who have their estate plans completed might be just a little bit more than the average person, but only a third of American adults have any kind of written plan — and I would argue that half of them are not really going to work. And when I speak to professional groups — attorneys, CPAs, financial advisors and so on — I get that same raise of hands: only about a third of them have a complete, up-to-date, ready-to-go estate plan. Why do I need it ready to go? Because I don’t know what’s going to happen or when. So yes, it is hard to contemplate the end of our lives; it’s not something we want to think about. But how do you stop thinking about it? How do you stop worrying about it? You do everything you can about it right now, and then you set it aside. And our cell phones are so powerful that I can put in my calendar five years from now to call my attorney and ask if anything’s changed in the law, and to consider then if I need to think about anything that might have changed in my life that I want to update. So once I get my estate plan done and updated, I don’t think about it anymore. I’m so relieved. My head space is so clear, because everything I was worried about has been thought about, considered, allowed, and put down in writing. And now I don’t worry anymore. [17:47] Frazer Rice: I scolded a group of financial professionals I was giving a talk to. I asked probably a similar question, which was: how many of you have your estate plan documents up to date? And they all shot up, out of shame. I said, “How many of you have looked at them within the last two years?” And then that shot down to about a third, maybe less. I just said, “Shame on you.” People are looking to you for help on these things and you’re not leading by example. And so — point taken, and not just the trusts and estates lawyers, but for everybody else around the ecosystem. To not go through that exercise yourself — you can’t possibly advise correctly if you’re not practicing what you’re preaching. [18:22] Marguerite Lorenz: Well, here’s my challenge, and here’s my challenge to every professional in our mutual space: bank trust officers, administrators, paralegals, everybody. In Luck or Control? and on planforthis.com, which is where you can find my books and get a free First Steps toolkit, the first question is, “Hey professional, do you have your estate plan done?” It’s the first question. Why? Because I want to be sure I’m dealing with somebody who has some empathy for the emotional decisions I’m going to have to make. I want someone on my team that understands what this feels like — not just the wise, tax-smart decisions that they made. It’s a whole package. And so I’m putting it out there and I’m saying: I’m challenging everyone in our mutual space. Make sure you have your estate plan done, because more and more clients are going to be asking you, “Do you have your estate plan completed?” [19:21] Frazer Rice: So then let’s talk about your third book, which is sort of an update — and we talked about it in the previous podcast that we did a while ago, and I’ll have that in there — which is Ethics for Trustees. What’s in the update? I know it’s now in an audio version, which I haven’t sampled yet but I’m sure it’s really good. What’s new now versus when it first came out? [19:54] Marguerite Lorenz: So I’ve simplified it a bit, because I recognize that each of us can look up the probate code for the state that we live in, and it was really much more of a California-specific book. Look, I’m a California Licensed Professional Fiduciary and I’m also a Master Certified Independent Trustee. So having the audiobook, and also having it in PDF form, I think is very helpful for people so they can make notes, take a certain page with them. And the book now is exclusively available at planforthis.com. And when you purchase it, you’re getting both the audio and the PDF version. [20:27] Frazer Rice: Cool. Well, we’ll make sure that’s in the show notes. Let’s take the last little bit of time we have here and talk about the decision to have an individual trustee — and by individual, I mean family trustee — versus a more professional trustee, whether it’s an individual or a bank trustee. You and I sort of nod our heads in agreement every time we talk on this topic, and I’ve done podcasts with others where I feel this looming crisis is coming, where people put all these documents together in trusts and then they staff them with people who may be initially qualified, barely, but then six months after the ink is dried, their interest wanes, their technical capability wanes, life intervenes, something different happens — and the problems just multiply at that point. I guess my big question is — and from the Independent Trustee Alliance, where there is a group of people who can operate as a trustee without having to go to a bank — how bad do you think this problem could get? We have this great wealth transfer and we have a lot of assets shifting, not just from the ultra-high-net-worth but regular people shifting to the next generation, with people at the wheel of these structures that I don’t think really understand what’s going on. How bad could this get? [21:52] Marguerite Lorenz: In my view, we’re not just dealing with a transfer of wealth — because that’s where a lot of people focus. Where’s the money going, right? It’s going from one generation who died and then the money’s going to the next generation. But in that interim — and by the way, many people live for years unable to make new decisions for themselves. So it’s during their lifetime that they might need their trustee to step in, not just after they die. And that’s really important to consider: that you might need someone for five or six years when you need someone to make decisions. What kind of decisions? You have digital assets, you have your social media accounts, you might be doing transactions on your phone all day every day — but someone else will need to get into your phone to actually do those things, maybe. Is that somebody you want from your family to do that for you? Maybe you still say yes. But that family member has to have the ability to enforce the rules that you’ve set in your trust. They need to communicate really well with other people. And they have to set aside their own feelings. They have to put you first. And that’s a big challenge. So when you think about the word fiduciary — and I know that the financial industry has used the word a lot — the technical aspect of that is that I’m putting my needs aside and putting that trustor, that person who created the trust, their needs first. Then I also have to consider their beneficiaries and the future of those beneficiaries. So I’m dealing with transactions and having to account for every single penny of where the funds are now and where they’re going, what the assets are, what the character of those assets are. I have to deal with all the taxation that goes with that. I have to manage those assets. So that’s one set of skills, right? But then there’s the softer skills about communicating with other people and understanding their doubts and their concerns, and not taking that personally, and putting things in writing. So this is a big job. It’s not the simple job that it might have been at one point, where someone just wrote a will on their cocktail napkin and said, “Okay, I’m leaving you all my money.” The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone to be that person for you, to go to your house, get you some clean underwear and socks and bring it to the hospital for you. So I think we have to look at our lives as more complex. It’s not just driving a car; it’s deciding where that car goes, and if the car is maintained, and is the car clean, and can we have other people in the car with you? There are just so many decisions that I’ve had to make for other people that I don’t take any of this lightly — and nor should anyone who’s writing their estate plan. You need that attorney to ask you those questions and walk you through your day-to-day, so you can keep your day-to-day as long as possible. [24:54] Frazer Rice: Well, the other part too is the people who assume those roles — and I’ve been in it too — when you are asked to make tough choices, sometimes you have to make tough choices that favor one person over another, and you may be called to account for that. And the idea of keeping diligent records and writing — in a sense putting down the reasoning behind what you’re doing and making sure that everyone, to the extent it’s possible, understands the why of what’s happening — I think that is going to help people really save themselves some issues going forward when those tough choices have to be made. [25:23] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. [25:27] Frazer Rice: Ah — good way to put it. [25:29] Marguerite Lorenz: You’re making them go to court, right? And who would want to make anyone else go to court? I mean, it’s just such a sad thing. And by the way, our courts are overrun with people that did no planning. And none of it happens quickly. So if you end up hospitalized and you haven’t selected a person, then the hospital and their bioethics committee is going to do the best they can. They’re going to ask for next of kin to make decisions for you — people that you may never have discussed your personal life with now have to be making decisions for you. So I’m asking people to be a little more proactive. I know you’re busy. I know it costs money to get an estate plan — probably less than you think, and certainly less than probate court would cost. A lot less than probate court would cost. Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about. I’m good. I have my plan, I keep up to date with my successors. I have a succession plan that’s worked beautifully. I’ve tested it. I know. And that’s why I can be so calm and so confident everywhere I go in my life. I’m feeling so good and so happy. Well, I want that for everyone. I want everyone to have that calm, true confidence that comes with knowing you’ve done everything you possibly can for yourself and the people you love. [26:54] Frazer Rice: Terrific. Marguerite, how do people get the books? How do people find you and your podcast, the Independent Trustee Alliance, and any other points of contact? [27:04] Marguerite Lorenz: Great, thank you. So planforthis.com is where you can find the books, where you can find me. We do have a podcast that has some wonderful discussions, case studies, and other topics to help people better understand the choices that they have. The Independent Trustee Alliance has a wonderful directory to find all kinds of professionals, but especially independent trustees, and you can find that at trusteealliance.com. And I’m going to be out there — I’m on LinkedIn. Come find me, connect with me. And Frazer, once again, thank you so much for the opportunity to visit with you. [27:40] Frazer Rice: Oh, it’s always great to get your expertise. And you bring a great sense of empathy to what can be a very technical and dollar-driven process. And I think the empathy, when it gets avoided or missed, there’s something really lost. So I really value your perspective on it. Thank you so much. [28:00] Announcer: This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinions of the employers of the host or guest. Subscribe to Wealth Actually on Apple Podcasts, Spotify, Youtube or wherever you listen — and if this episode was useful, share it with the person you have named in your documents. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/

This week, Shaye Wanner welcomes Chris Rawley of Harvest Returns to discuss what makes ranches “investable” and why it matters for operators seeking outside investors or bank financing to expand herds, land, or infrastructure. Raleigh explains Harvest Returns' model of pooling investor capital and investing as a single partner via loans, notes, or equity, and says investable operations have a solid plan, clear financial statements, defined marketing/sales strategy, and a realistic path to investor returns.  He outlines that key first steps include transparency and documentation across complex land and entity structures, accurate balance sheets reflecting assets and debts, and building a team for missing functions like finance, bookkeeping, accounting, and sales. Common mistakes include poor herd tracking/accountability (amid “phantom cattle” scams) and attempting to raise public capital without proper SEC-compliant legal help. Raleigh emphasizes getting herd and financial numbers in order, including hiring professionals.  Catch more conversations like this one and learn more at https://www.casualcattleconversations.com/ 00:00 Is Your Ranch Investible  01:24 Meet Chris Rawley  01:33 Why Investability Matters  02:38 What Harvest Returns Does  04:56 Investible Ranch Checklist  07:50 First Steps to Improve  09:30 Building the Right Team  11:09 Common Mistakes to Avoid  13:20 Raising Capital Legally

Authority is about showing up, building credibility, and creating lasting impact. This episode of Influential Voices of Authority features Dr. Keyvan Eghbali, a holistic health leader with over 30 years of experience, sharing how he uses his podcast as an engine to reach and transform millions.   Important Links: https://wellness-speaker.com https://www.dreghbali.com IG: https://www.instagram.com/thrive.wellness.solutions/ Linked In: https://www.linkedin.com/in/drkeyvan/ Podcast: https://www.dreghbali.com/spotify/   Subscribe to Influential Voices of Authority podcast: Apple Podcasts: http://www.PodcastTalentCoach.com/apple Spotify: http://www.PodcastTalentCoach.com/spotify Website: http://www.PodcastTalentCoach.com/podcasts Get your Podcast Authority Audit at www.PodcastTalentCoach.com/coaching.   Episode Segments: 00:05 "Launching 'This Saved My Life' Podcast" 01:34 Stories That Inspire Real Change 03:23 Podcasting as the Ultimate Authority Builder 05:17 Overcoming Nerves and Getting Started 06:42 Leaving Private Practice to Impact 10 Million 09:20 The Turning Point from Clinic to Mass Influence 10:54 Setting Massive Goals for Greater Legacy 11:45 Unexpected Surprises and Doors Opened by Podcasting 13:26 Leveraging Podcasting for Corporate Wellness 15:08 The Biggest Challenges and Time Solutions 17:46 Bite-Sized Commitments for Consistent Creation 20:17 Stories of Resilience and Inspiration 22:36 Imposter Syndrome and Finding Your Unique Voice 23:24 Calls to Action Driving Business and Connection 25:09 Crafting Value-Packed Corporate Wellness Programs 26:43 Overcoming the Time Objection in Health and Content Creation 28:41 First Steps to Get Unstuck Physically or Creatively 31:01 Personalized Coaching and Discovery Process 33:33 Understanding Root Causes and Real Health Transformation 35:05 How to Access Dr. Eghbali's Support 37:09 Paying It Forward through Service   Key Takeaways: - How Authority Grows with Meaningful Stories Dr. Eghbali's podcast showcases powerful interviews, including individuals who have overcome tremendous obstacles, realigning authority around hope and healing. By sharing these stories, he multiplies his impact while giving his audience new pathways to wellness and success. - Podcast as Your Demo Reel Hosting a podcast immediately sets you apart in your field. Dr. Eghbali credits his podcast with opening doors to corporate speaking gigs, boosting his visibility, and allowing prospective clients to get to know his message and expertise firsthand. - Start Small, Build Discipline Despite a busy schedule, Dr. Eghbali advocates a sustainable approach: commit to a manageable number of episodes, focus on incremental progress rather than perfection, and remember that every episode makes a difference for someone listening. - Genuine Connection Drives Results Dr. Eghbali's call to action is rooted in authenticity. He encourages hosts to come from the heart and let the right opportunities follow. For him, the value is in truly connecting, ,whether that's helping a company reduce burnout or guiding a single client to breakthrough health. - Impact Ripples Outward From coaching veterans back to health to inspiring others with neighborly resilience, Dr. Eghbali demonstrates that authority isn't just about numbers. It's about the results you help people achieve and the communities you touch. - Your First Step to Transformation Success starts with simple awareness and a willingness to ask for support. Dr. Eghbali offers a complimentary 20-minute "root cause" analysis to help listeners identify what's holding them back, because everyone deserves to experience full health and potential.   Episode Highlights: The value of repurposing your expertise into audio content that sells your credibility How to manage content creation time as a busy clinician or entrepreneur Ways a podcast multiplies your reach, impact, and authority for both B2B and consumer audiences Live examples of using stories and interviews to build an inspiring brand   Connect with Dr. Keyvan Eghbali: Ready to break through limits and expand your impact? Text "root cause" to 714-987-1998 for a no-cost clarity call with Dr. Eghbali, or visit his sites: https://wellness-speaker.com https://www.dreghbali.com   Podcast Authority Audit: Ready to strategically grow your podcast authority? You've published the episodes. You've stayed consistent. You know your content is good. And yet… You're not being seen as the authority in your niche Your podcast isn't creating the level of influence or opportunity you expected People listen, but they don't take action And you sound professional… but not unforgettable The truth? Consistency alone doesn't create authority. Intentional leadership does. Are you ready to turn your podcast into an authority engine and not just more content? Would you like to move from best-kept secret to recognized authority? Let me audit your podcast and find the gaps. Go to www.PodcastTalentCoach.com/coaching, click the button and apply to have a chat with me. We will uncover your authority positioning problem, develop your plan to succeed, and see how I can help and support you to achieve your podcast goals. Get your podcast audit at www.PodcastTalentCoach.com/coaching.   Until the next episode, step into your authority. We'll see you next time.

PODCAST RECOMENDATIONS:***********************Making Our WayMaking ItClamp PodcastForge Side ChatKnife TalkWorkshop Therapy with Andrew HatchWeld.com Podcast with BeauHustle & Grind with Noah & RyanTriple T with Jerid & DenisKnife PerspectiveWorking Hands PodcastWhat's cooking in the shopFire & Steel PodcastSPONSORS:**************- Maritime Knife Supply: https://www.MaritimeKnifeSupply.com- Baker Forge & Tool: https://www.bakerforge.com/- Pelican Paste: https://pelicanpaste.com/- KHDailyKnives: https://khdailyknives.com/shop/- GripX: https://getgriptec.com/- The Drop Point Newsletter: https://thedroppoint.com/**************SUPPORT:**************https://www.patreon.com/workforitSOCIALS**************HouseMade YouTube: https://www.youtube.com/c/housework123HouseMade Instagram: https://www.instagram.com/housemade.us/Bryan Kohn Instagram: https://www.instagram.com/b.kohnknives/Bryan Kohn YouTube: https://www.youtube.com/channel/UCOdEhPeKNd8iI1eGM0QFjnAPICKLE: https://www.instagram.com/pickle_kutterz/Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

I used to feel like I had absolutely NO CONTROL around ice cream, chocolate, bread, pasta, dried mangoes, almond butter, protein bars. The moment I was around them, I would binge on them. So I would avoid them.  I'd keep them out of the house and think "out of sight out of mind". But that just left me thinking about them SO MUCH MORE. So I felt so torn on how to eat these foods with control.In this episode, I break down the first few steps I took to build trust around trigger foods without losing control or avoiding them all together.MSG ME "TRIGGER FOODS" for details on my new program: Trust With Trigger Foods. This is a four-week program where I'm going to teach you how to choose one trigger food and start building trust with yourself around it.So instead of buying chocolate, bread, cookies, chips or ice cream and immediately spiralling into, “I need to eat this all now because tomorrow I'm starting over,” you'll learn how to slow down, feel safe, actually enjoy it, and move on with your day.CONNECT WITH LORNA:---＞ Instagram @lorna_bingeeatingcoachhttps://www.instagram.com/lorna_bingeeatingcoach/---＞ TikTok @lorna_bingeeatingcoach https://www.tiktok.com/@lorna_bingeeatingcoach

How do we share our faith without fear? What does it actually mean to "speak the Gospel" in everyday life?In this final episode of our 1-2-3 Challenge series, Shane Welter and Vicar Dave Gallagher explore the last discipleship strategy: Go: Speak the Gospel.While loving our neighbors through acts of service is essential, Christians are also called to share the greatest gift they have ever received—the Good News of Jesus Christ. Faith comes by hearing, and God works through His Word to create and strengthen faith. Whether you're inviting a friend to church, sharing your testimony, praying for someone, or simply talking about the hope you have in Christ, every conversation can be an opportunity for God to work.Drawing from the 1-2-3 Challenge resource, Shane and Vicar Dave discuss practical First Steps, Next Steps, and Challenge Steps that help Christians grow in confidence as they speak the Gospel. The goal isn't having all the right answers—it's faithfully pointing people to Jesus.Topics include:• Why sharing the Gospel matters• Practical ways to begin faith conversations• Inviting others into the life of the Church• Sharing your testimony with humility and confidence• Praying for opportunities to speak about Jesus• Trusting God to work through His WordThis episode also marks the conclusion of our journey through the six areas of the 1-2-3 Challenge:Gather – In Worship • In Life TogetherGrow – In the Word • In Baptismal IdentityGo – Love Well • Speak the GospelA huge thank you to everyone who has already taken intentional steps of faith and shared them with us! Every marble added to the display is a visible reminder that God is at work through His people. Your willingness to share your journey has encouraged countless others to take their own next faithful step.If you've completed a step, don't keep it to yourself! We'd love to celebrate with you.Learn more about the 1-2-3 Challenge:https://www.stlukes-church.com/the-123-challengeShare the steps you've taken so we can celebrate together and add your marble:https://docs.google.com/forms/d/e/1FAIpQLSewdKCn3HpPkUwboSspBf8IJc_isSnlhyn8RRtWiYs0mxjOWQ/viewform?pli=1Have a story of how Jesus has worked in your life? We'd love to hear it! One of the most powerful ways to encourage other Christians is by sharing your faith journey. Sign up to be a guest on the 2414 Podcast and tell the story of what God has done in your life:https://outlook.office.com/book/Ge29a5d453add4d478471a0c1bf208af9@stlukes-church.com/?ismsaljsauthenabledThank you for walking through the 1-2-3 Challenge with us. Wherever you are in your faith journey, keep gathering, keep growing, and keep going—trusting that God will continue His work in and through you.Don't forget to continue the conversation at home, in the car, at work, or anywhere you can find someone to talk to! Thanks for walking with us!Support the show

Hey folks! This week, we're covering chapters 30-36, Selene - First steps. We switch it up once again, and head into full on pageantry mode, seemingly with a page ripped straight out of Bridgerton... and waaaay more than that. Next week, we'll be back chatting about Blade Without a Handle - Along Comes a Spider, or chapters 37 - 44. suneater #bookish #booktube #podcast #bookpodcast #readalong Link: https://wordsandwhiskey.show/episode/313-demon-in-white-episode-5-selene-the-first-steps

We're celebrating summer by heading to the drive-in! Over the next two weeks, we're bringing you a double bill of blockbuster movies from last summer. Maybe you saw them, maybe you missed them, but we think you'll enjoy Last Summer's Drive-In Movie Double Feature! Hit the restroom, refill your popcorn, and settle in for a late night… our second feature is starting now! Marvel's first family has had a long and sometimes tortured cinematic history. After several Saturday morning cartoons, they almost made their first big-screen outing in 1994 in a low-budget production from B-movie master Roger Corman. However, the film was buried by Marvel producer Avi Arad and is only available on bootleg. They finally hit the silver screen in 2005 with a big-budget film, which was successful enough to earn a sequel in 2007. A reboot, Fant4stic, was released in 2015 to poor reviews and box office results. With Disney's purchase of 20th Century Fox, the stars of the World's Greatest Comic Magazine were finally folded into the Marvel Cinematic Universe with the release of this 2025 film, colon First Steps. Starring Pedro Pascal as Mister Fantastic, Vanessa Kirby as The Invisible Woman, Joseph Quinn as the Human Torch, and Ebon Moss-Bacharach as the ever-lovin' blue-eyed Thing, this fantastic flick was the first film in MCU Phase Six of the Multiverse Saga and the first MCU installment set entirely in another universe. The Matt Shakman-directed film received solid reviews and outperformed the other two Marvel films released last year. Join us as we bring our drive-in movie viewing to a close with The Fantastic Four: First Steps!   BONUS- POWER PACKED EPISODE..  Plus, we give our review of Supergirl!   For more geeky podcasts visit GonnaGeek.com    You can find us on iTunes under ''Legends Podcast''. Please subscribe and give us a positive review. You can also follow us on Twitter @LegendsPodcast or even better, send us an e-mail: LegendsPodcastS@gmail.com    You can write to Rum Daddy directly: rumdaddylegends@gmail.com    You can find all our contact information here on the Network page of GonnaGeek.com Our complete archive is always available at www.legendspodcast.com, www.legendspodcast.libsyn.com    Show Music:Danger Storm by Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/  

Send us Fan MailWe review The Fantastic Four: First Steps (2025) starring Pedro Pascal!

In this episode, Cole Phillips and guest Bryan Peters discuss practical and biblical principles for managing money, getting out of debt, and building a healthy financial future. They explore the impact of financial habits on relationships, the importance of a biblical perspective, and actionable steps for financial freedom.Keywordsfinances, debt-free, biblical money management, budgeting, financial peace, personal finance, wealth building, Christian finance, money tips, financial freedomKey  topicsThe impact of childhood financial insecurityThe importance of a results-oriented mindsetThe snowball method for debt repaymentThe role of faith and biblical principles in money managementThe significance of a clear financial visionThe dangers of living paycheck to paycheck and instant gratification cultureThe importance of a budget and intentional spendingThe biblical perspective on giving and generosityPractical steps to start your debt-free journeyThe historical comparison of economic conditions and their lessonsAction  itemsCreate a monthly budget and track all expensesStart an emergency fund with at least $1,000Use the snowball method to pay off debts from smallest to largestPractice giving cheerfully and generouslySeek biblical guidance on money management Sound bites"Stop the bleeding before you start healing.""Your decisions are a trade-off; choose wisely.""Give till it feels good, not till it hurts."Chapters00:00 The Importance of Money Conversations02:54 Personal Financial Backgrounds and Influences05:43 The Impact of Keeping Up with the Joneses09:05 Navigating Debt and Financial Education11:50 The Journey to Becoming Debt-Free15:11 Young Adults and Financial Mindsets17:58 Historical Context of Financial Challenges20:50 Comparing Financial Realities Across Decades27:35 Understanding Debt and Its Impact28:56 First Steps to Getting Out of Debt32:01 The Importance of Budgeting33:54 Navigating Credit Card Usage35:50 Identifying and Cutting Unnecessary Expenses39:37 Marriage and Financial Dynamics44:40 A Christian Perspective on Money52:45 Finding Hope in Financial StrugglesResourcesFinancial Peace University - https://www.ramseysolutions.com/ramseyplus/financial-peace-universityFormula 1/10 Book - https://www.amazon.com/Formula-10-Winning-Financial-Freedom-ebook/dp/B0D4WQQDQF/ref=sr_1_1?crid=1L1A6FEWAZFUW&dib=eyJ2IjoiMSJ9.dTkiRcW_La4qbWcp3LXTb3gYWKvLGQO1UopEqlaL4iWCLL-L5xad0EbkWRYxWhZKdvwnnVzyQM5NW0S2YHrGFFKyEzXIHzLXKCVBFFa0g-xjvv_okXSMgoBYG3Izq4efP1BTNRNJhb89NjOaITPkKCtvMPYpPAQy5dl4lZLIJpFL4CvtE129AJiaREKbTaAXkEOqWs-i4Gbq-5eGRb0X9ZM_p1mhbYXqLTsMOnVlP-M.jZKSj0e7PnuplQFfpuSo31yDnFm4IdvUq9ogudyYn0Q&dib_tag=se&keywords=formula+1%2F10+book&qid=1783047815&sprefix=formula+1%2F10+book%2Caps%2C200&sr=8-1

Stepping in to a new adventure built by Brotherwise Games! - - FN Episode 297 - - FN COSMERE RPG Episode 0

Today I'm bringing you a special episode with our sponsor EFG Holding. I recently interviewed Karim Moussa, Co-CEO of EFG Hermes Buy-Side, Head of Private Equity & Asset Management & CEO of Vortex Energy. Karim tells me how he got started in private equity, and how the thesis of investing with purpose led EFG to expand renewables, education and healthcare.This episode is brought to you by EFG Hermes One, your one app for investing in more than 35 stock markets. Start investing today!I'll be back with a new guest in a couple of weeks. But before that, we'll be airing the panel discussion on how AI will continue to impact Egypt and the region that I moderated in May. The panel was part of The Shift by e&, organised by the fantastic team at The Narrative Summit.Chapters:0:00 On this episode...2:12 Hustling in Berlin6:48 First Steps in Deutsche Bank9:23 A detour to Dubai11:29 Moving into Private Equity17:46 Building Vortex Energy24:01 Egypt's renewables potential26:56 Investing in education35:00 Lightning RoundMusic ID: 5ROQ12DERYHSUUVQ

Author Ryan McGinnis joins The Order this episode to discuss the MCU’s attempt at a Fantastic Four flick. Was it worth the wait? For more from Ryan, click HERE!