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Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits   - AZ TRT S06 EP10 (272) 6-15-2025              What We Learned This Week Health Insurance is primarily run by the Big 4 - BUCA: Blue Cross United Healthcare, CIGNA, Aetna To Insurance Co's – Premium = Revenue, and they are not going lower profits, so no incentive to lower costs Health insurance employer group plans can be broken down into 4 Parts Network PPO is what people typically think of when they think of health insurance There have been revisions to the Healthcare Act passed in 2021   Guest: Donovan Ryckis, Ethos Benefits https://ethosbenefits.com/   https://ethosbenefits.com/documentary/ https://businessofbenefitspodcast.com/   Our Ethos is Simple: Fiduciary First. Act in the best interest of those we serve—no matter the cost. ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose. Our Ethos is deeply rooted in the story of our Founder, Donovan Ryckis. Over a decade ago, Donovan, a fiduciary Series 65 securities advisor specializing in retirement and pension planning, was approached by a client facing a dire situation. The client's publicly traded broker claimed there was no solution for a staggering 37.5% health insurance renewal increase—a cost that threatened the business and its employees. With no prior experience in health insurance markets but guided by his unwavering fiduciary principles, Donovan took on the challenge. The result? He mitigated the risk entirely, delivering a solution 12% below the current rate. This allowed the business to thrive and ensured hundreds of employees wouldn't have to choose between basic necessities and skyrocketing health premiums. That moment sparked a revelation. The fraud, waste, and abuse Donovan had fought in retirement planning paled in comparison to the challenges in healthcare. He saw an opportunity to bring transparency and fiduciary principles to an industry in desperate need of change. Donovan pivoted his career, becoming one of the first fee-based health insurance advisors in the nation. By removing all conflicts of interest in broker compensation, he laid the foundation for what is now the leading innovative employee benefits agency in the country, delivering higher quality care at a significantly lower cost to employers nationwide.       Notes:   Ethos Benefits deals with employee benefits, with a primary focus on group health insurance   Per Donovan ‘Employee benefits are rigged'   Insurance company premium equals revenue. There is no incentive to lower cost, as it would lower profits.   ACA Obamacare passed in 2010, and it capped profits for insurance companies at 20%   Insurance Co's are working to expand their pool to make more profit   Health Insurance guarantees inflation keeps going up, so family of 4 could spend 35K a year   For a business, healthcare cost and employee benefits are a top 3 P&L expense   Ethos strategies can create a 30 to 40% reduction on premium impact to lower costs for a business   The HQ is in Florida, but they are a virtual office with agents and clients nationwide   Healthcare finance and delivery + Improving employee benefits     Seg 1   Donovan's bio, he was a financial advisor with a Series 65 license before he got into health insurance. Around 2014 he moved into health insurance seeing an opportunity for better service.   Typically you see agents who are working for the health insurance company and not really working for the employer companies they are selling to.   Health insurance is primarily run by the Big 4 – BUCA: Blue Cross United Healthcare, CIGNA, Aetna.   Health insurance employer group plans can be broken down into 4 Parts:   1.    TPA or third-party administrator 2.    Network PPO or HMO 3.    Pharmacy benefit RX 4.    Insurance that covers the caps the limits on the stop loss   PPO is your primary network and open on using referrals HMO is a non-preferred network typically has less offerings and tight on referrals   Ethos Benefits helps employers to break up the four parts of a group plan and customize   Network PPO is what people typically think of when they think of health insurance.   Network and the Big 4 health companies have a tighter deal with doctors and contract prices. A lot is pre-negotiated with a set of rates, which is the point of a PPO. This is where you get larger claims and they run in the system of healthcare.     Seg 2   Pay more for healthcare in the U.S. than the rest of the world   The biggest pharmaceutical companies are in the US Pharmaceutical companies in flight prices, and also set the prices They make money through spread pricing   Employers can actually pick up their own Pharma benefit and get the rebates that the big health insurance companies are not giving them   Healthcare system is a rigged game The fraud waste and abuse extremely high in health   401(k) and retirement benefit industry is actually tighter with more disclosure than the healthcare industry   Regulated better since the creation of the Securities Act in the 1930s and updates that ran through the 1970s and beyond with things like ERISA   There have been revisions to the healthcare act passed in 2021 - started in Jan.2022   Actions had 3 disclosures: ·         Brokers comp and bonus ·         Data with gag, clauses, and full access to data upon request ·         Benchmarking for drug cost     Further Notes via Google:   The revisions you are likely referring to are part of the Consolidated Appropriations Act of 2021 (CAA). While the CAA was passed in late 2020, many of its provisions, including those related to transparency in healthcare, became effective on January 1, 2022.  The three key areas of disclosure you mentioned are directly addressed within these regulations: 1.            Broker's Compensation and Bonuses: The CAA amends ERISA Section 408(b)(2) and requires service providers, including brokers, to disclose specific information to group health plan fiduciaries. 2.            Data Transparency (Gag Clauses and Full Access to Data): The CAA prohibits gag clauses, which prevent plans from providing access to their data. It also requires health insurance carriers to attest annually to their compliance with this prohibition. Moreover, the Health DATA Act, a proposed bill, would further reinforce the right of employers to access their data and hold service providers accountable for non-compliance. 3.            Benchmarking for Drug Costs: The CAA includes provisions regarding pharmacy benefit and drug cost reporting, which aims to provide greater transparency and potentially lead to better benchmarking of drug costs. The Build Back Better Act, a separate piece of legislation, also included provisions for Medicare to negotiate drug prices, further impacting drug costs and potential benchmarking.  These revisions aim to increase transparency in healthcare pricing and empower consumers and employers to make more informed decisions about their healthcare coverage.    Seg 3   Ethos works with Employers to create business plans usually with a 3 to 5 year time horizon. The goal is long-term to lower healthcare cost.   Example would be a company with 100 employees with 50 to 80% of them on the health plan (does not include dependents).   Ethos wants to keep the demands of a company low, easy transition.   Ethos handles employee Qs and healthcare navigation. Ethos is full service.   Risk handled 1 of 4 ways - Reduce, avoid, retain, transfer - Transfer to insurance   Broker wants to transfer risk Company can control costs Careful not to have too much disruption with a switch to a new company   Ex - start with pharmacy part NDC National Drug Code Run report vs costs   Pharmacy benefit mgr   Pre packaged health plan Gets co approved pharmacy benefit Save 5 - 15% on costs (30%)   Separate - parts of group plan     Seg 4   Brokers comp - incentives from big insurance companies   Opening move - edit pharmacy benefit piece   State by state - regulators and rules   Employers / employees Know the network and PPO   Nationwide covers insurance part – Stop-loss Insurance   30-40 major stop loss companies Ex: Allstate Met Life Sun Life   Stop-loss insurance for group health plans acts as a financial safety net for self-funded employers, protecting them from large, unpredictable medical claims. It is a form of additional insurance.   Healthcare risk is incredibly predictable on group basis   Overall predictable w stats, actuarial analysis   Gag clauses look at dataset from current carrier   Prescription database sets   3rd party admin are less of a concern, lots of claims   Average of 18 claims per employee per year, includes dependents   Data - review AI Claims analytics software   AI claims analytics software is transforming how insurance companies handle claims by leveraging artificial intelligence and machine learning to analyze data, automate tasks, and improve decision-making.    30 - 40% reduction in premium w Ethos     Further Notes via Google: Group Medical Plans Breakdown of the common components of a comprehensive employer group health plan, particularly within the context of a self-funded model.  Here's a more detailed explanation of each part: 1.            TPA (Third-Party Administrator): A TPA is a company that provides administrative services for self-funded health plans. This includes processing claims, handling enrollment, and managing other administrative tasks that would typically be done by an insurance company. 2.            Network (PPO or HMO): This refers to the group of doctors, hospitals, and other healthcare providers that the health plan contracts with to provide services to its members. The network defines where employees can go to receive care and often dictates the level of coverage they will receive (e.g., in-network vs. out-of-network benefits). ·                                             PPO (Preferred Provider Organization): Offers more flexibility, allowing members to see out-of-network providers, though with higher out-of-pocket costs. ·                                             HMO (Health Maintenance Organization): Typically requires members to stay within the network for covered services, except in emergencies.                 Pharmacy Benefit (RX): This component manages the prescription drug coverage for the plan. It includes negotiating drug prices, processing claims for prescriptions, and managing the plan's formulary (list of covered drugs).                 Stop-Loss Insurance: This is a crucial element for self-funded employers. It protects the employer from catastrophic claim costs. If an individual employee or the entire group's claims exceed a certain threshold (the "attachment point"), the stop-loss insurance kicks in to cover the excess costs, limiting the employer's financial liability.  Additional Considerations: ·                     Data Access: Self-funded plans often provide employers with greater access to claims data, which can be used to analyze healthcare costs, identify trends, and implement strategies to improve employee health and manage costs. ·                     Benchmarking: Employers can use claims data and industry benchmarks to compare their plan's performance to similar organizations and negotiate better rates with providers and other vendors. ·                     Wellness Programs: Some employers offer wellness programs to encourage employees to adopt healthy behaviors and potentially reduce healthcare costs. ·                     Essential Health Benefits (ACA Compliance): Group health plans must comply with the Affordable Care Act (ACA), which requires them to cover a list of essential health benefits, such as outpatient care, emergency services, hospitalization, and prescription drugs. ·                     Other Benefits: Group plans can also include other benefits, such as dental, vision, life insurance, and long- and short-term disability insurance.  Understanding these different parts is essential for employers to effectively manage their group health plan, control costs, and provide valuable benefits to their employees.      Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.  

Nathan Hindmarsh plays the Sydney suburbs game, we got some great stories on impulse tattoo's from our listeners & Beau & Woodsy share their Brendan Fevola stories. Join Triple M Breakfast weekday mornings from 6am, grab the podcast everyday on LiSTNR or where ever you get your podcasts or watch the funniest bits of the show on Instagram via @triplembreakfast #TripleMBreakfastSee omnystudio.com/listener for privacy information.

It's time to take a dive into the developmental landscape and release structure of games you guys! There has been a rise in both releasing games as a beta, giving gamers a chance to dive into a game before it is completed, as well as games that have been delayed months or multiple times due to a multitude of factors, but coming out as a completed project. So what is better? Does it depend on the game or the genre? Does it matter if the game is great? What are the consequences if it is terrible? These are the important questions we at Good Enough Gaming have and will discuss today. So crack a cold one, because it's about to get heated with this conversation!

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DJ Shipley and Cole Fackler break down how serious threats from enemies like Iran are treated post-9/11, the reality of nearly going to war under Trump, and why they respect his leadership. "If he recalled us, I'd go back," DJ says. Raw, honest, and eye-opening.▶️ WATCH ENTIRE EPISODE: https://shorturl.at/hmpWe

There's only one person who can bring you into the presence of God—and it's not a pastor, a priest, or a saint. It's JESUS. In this powerful message, we dive deep into the ancient role of the High Priest in Judaism and how it was all a shadow pointing to Jesus, our perfect and eternal High Priest.

Federal agencies must now allow any officials designated by the president or agency leadership to have complete access to unclassified records, data, software systems and IT systems, President Donald Trump declared in an executive order late Thursday night. Trump's directive aims to stop waste, fraud and abuse by eliminating information silos, requiring agency heads to “ensure Federal officials designated by the President or Agency Heads (or their designees) have full and prompt access to all unclassified agency records, data, software systems, and information technology systems — or their equivalents if providing access to an equivalent dataset does not delay access — for purposes of pursuing Administration priorities related to the identification and elimination of waste, fraud, and abuse.” “This includes authorizing and facilitating both the intra- and inter-agency sharing and consolidation of unclassified agency records,” the executive order states. A federal judge issued a temporary restraining order last Thursday blocking Elon Musk's Department of Government Efficiency from further access to any Social Security Administration systems that contain personally identifiable information. Judge Ellen Hollander of the U.S. District Court for the District of Maryland also ordered that all DOGE team members associated with the organization's work at SSA, including Elon Musk and U.S. DOGE Service leader Amy Gleason, must disgorge and delete all non-anonymized personal information they obtained from the agency's systems. The decision is an initial victory in the case where Democracy Forward led a group of unions and an advocacy organization in suing the Social Security Administration and its acting Commissioner Leland Dudek for giving DOGE access to “some of the nation's most sensitive data, including the financial data, employment information, medical data, and personal addresses of millions of Americans,” according to the initial complaint. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

I dag höll regeringen och Sverigedemokraterna en presskonferens om "nästa offensiv mot den organiserade brottsligheten". Dan Eriksson kollade in det hela, och kan konstatera att man fortsätter göra allt man kan för att slippa ta tag i grundproblematiken.Videoversion: https://www.youtube.com/watch?v=Klii4WhgV-YSe det oredigerade materialet på: https://www.youtube.com/live/7IyZYtDhQQY Läs mer om och bli en del av Det fria Sverige på https://www.detfriasverige.seBecome a supporter of this podcast: https://www.spreaker.com/podcast/det-fria-sverige--4339034/support.

I dag höll regeringen och Sverigedemokraterna en presskonferens om "nästa offensiv mot den organiserade brottsligheten". Dan Eriksson kollade in det hela, och kan konstatera att man fortsätter göra allt man kan för att slippa ta tag i grundproblematiken. Inlägget Regeringen vill ha FULL ACCESS till din mobiltelefon dök först upp på Podcasts från Det fria Sverige.

Send us a textA fresh start is essential for couples navigating the complexities of Premenstrual Dysphoric Disorder (PMDD). The episode discusses the importance of acknowledging regrets in PMDD relationships and offers practical tools and strategies to improve communication, establish boundaries, and seek consistent counseling support.Follow me on InstagramFollow me on TikTok

If All Conservative Reporters Have Been Banned From Full Access In The Tennessee Legislature, How Did We Get Here???

Will Speaker Sexton Allow ONE Conservative Reporter FULL Access, Like He Does Democrat Phil Williams? Taxpayer Funded Lobbyists Rake in Over $5 Million Illegal Alien Brothels & Shootings Abound… & MORE in the Big 7!Like what we're doing & want us to stick around?Donate Today! - https://bit.ly/3OBZvcCHelp us send YOUR reporter to Nashville this legislative session -https://tennesseeconservativenews.com/shouldnt-we-have-at-least-one-conservative-reporter-in-nashville/Sign Up for The Tennessee Conservative's FREE eNewsletter, just text "NEWS" to 423-205-5600.Not afraid to admit you're a Conservative? Advertise with us! Check out our advertising options here - https://tinyurl.com/2re6bfswSubscribe to our FREE eNewsletter - https://bit.ly/3ybSpV8The Stories! Will GOP Leaders Sexton & McNally Refuse YOUR Reporter In Nashville?https://tennesseeconservativenews.com/will-gop-leaders-sexton-mcnally-refuse-your-reporter-in-nashville/Tennessee Taxpayer-Funded Lobbyists Rake In Over $5 Million Per Yearhttps://tennesseeconservativenews.com/tennessee-taxpayer-funded-lobbyists-rake-in-over-5-million-per-year/Venezuelan Illegal Aliens, Possible Gang Members, Busted At Home Turned Brothel In Nashville Area https://tennesseeconservativenews.com/venezuelan-illegal-aliens-possible-gang-members-busted-at-home-turned-brothel-in-nashville-area/4 Memphis Shootings Suspected To Be Latino Street Gang Relatedhttps://tennesseeconservativenews.com/4-memphis-shootings-suspected-to-be-latino-street-gang-related/New Bill Filed to Prevent Illegal Immigrants and Convicted Felons From Registering to Vote in Tennesseehttps://tennesseeconservativenews.com/new-bill-filed-to-prevent-illegal-immigrants-convicted-felons-from-registering-to-vote-in-tennessee/Tennessee Hospitals Implement Visitor Restrictions Reminiscent Of COVID Protocols From 4 Years Agohttps://tennesseeconservativenews.com/tennessee-hospitals-implement-visitor-restrictions-reminiscent-of-covid-protocols-from-4-years-ago/Tennessee Senator Mark Pody Files 2 Bills To Combat Government Overreach https://tennesseeconservativenews.com/tennessee-senator-mark-pody-files-2-bills-to-combat-government-overreach/Follow The Tennessee Conservative on these Free Speech platforms:TTC on X, formerly known as Twitter - https://twitter.com/TnCoNews1TTC on MeWe -https://bit.ly/3SbuqxWTTC on Gettr - https://bit.ly/3LifSKCTTC on Gab - https://bit.ly/3di03aiTTC on Truth - https://bit.ly/3BINn5BTTC on Rumble - https://rumble.com/c/c-399985

On today's Daily Puck Drop, Jason “Puck” Puckett is joined by his weekly guests, Mike Garafolo, NFL Network and new weekly guest, Michael-Shawn Dugar, The Athletic.  Puck starts off the show promoting his Mariners Offseason DiamondTable Show that features his regular baseball guests: Ryan Divish and Adam Jude, Seattle Times. Jim Duquetee, MLB Network Radio. Bill Krueger and Brad Adam, ROOT Sports.  The full two-plus hour show is available to Puck's Posse Community Members. If you want FULL ACCESS to all of Puck's content sign up today. Visit PuckSports.com for information and how to sign up.  You can also visit Patreon.com/PuckSports.  Puck turns his attention to the Seahawks before Garafolo comes on and touches in on how the expectations have now changed since the Seahawks defeated the 49ers. Mike Garafolo, NFL Network, joins Jason “Puck” Puckett for his weekly chat about all the news and notes around the NFL.  Puck and Mike get temporarily distracted because they start talking about golf and who they would like to play if they could choose anyone in the golf world! Once they stop talking about golf, they get into the Seahawks win over the 49ers and how important that was for Seattle and how crushing it was for San Francisco.  Amazingly the Seahawks will be playing for first place in the NFC West on Sunday.  They react to Geno Smith's appearance on the Richard Sherman Podcast. How much do the Seahawks need Smith and how much does Geno need the Seahawks?Where will Aaron Rogers end up next season?  Any chance he could land in San Francisco?  Will there be a number of suitors for him?Are Deion Sanders and his son a package deal to the NFL?  If they are, where?  Was the Bills win over the Chiefs important?  Did the Steelers once again offer the blueprint how to beat Lamar Jackson and the Ravens?The “Dugar Report” with Michael-Shawn Dugar, The Athletic as he joins Jason “Puck” Puckett for his brand new weekly appearance taking the latest with the Seattle Seahawks.  Mike and Puck get right into the win over the 49ers and what was the single biggest reason for the win. Mike told Puck that Mike Macdonald offered a different tone than what Pete Carroll would always preach.  It was great to have Abe Lucas back on the field and you could tell immediately that he was a difference maker and he raised the play of the entire offensive line. Geno Smith continues to be hot topic with fans and media and showed again with his last second drive why he continues to be such a polarizing topic and player. Mike gets into a very interesting discussion with Puck on the team building philosophy of Mike Macdonald and how it's different than the rest of the league thinking  and how it harkens back to an older style of football. They also discuss the 49ers window and look ahead to the Seahawks matchup with the Arizona Cardinals on Sunday.  Lastly, Puck wraps up the Thursday show with, “Hey, What the Puck!?”   Money is not everything for everyone.  Washington State defensive tackle David Gusta illustrated that this week with Puck. Happiness is being where you are and in the present. 

Full Access? by Hope Church Gainsborough

Oh hey Toasters and welcome backTHIS WEEKWANG!The wonderful Phil Wang (check out his special on Netflix) reveals a shopping listory that includes:a cracking Jake Gyllenhaal anecdotea cracking Emma Thompson anecdote his dad's favourite present everAND MOREDon't forget to give us a follow on the old YouTube and follow us on all the usual TikTok and Insta bits. Loads of video content heading out at the moment so feel free to give us a like.NEXT WEEK: Henry Rowley - so pretty, so much weird shopping. A total joy. Incoming!Toast xx Hosted on Acast. See acast.com/privacy for more information.

Stay up-to-date with the latest firmware updates for several Panasonic cameras. Nino shares exciting behind-the-scenes insights from his challenging TV show project, offering a unique look at the production process. Plus, catch the latest lens updates from a variety of manufacturers. ALL NEW - MZed Pro is now offering a monthly membership! Sponsor: We want to thank FUJIFILM for sponsoring this week's episode. Check out their 1-Minute Tip at (09:24). Chapters & articles mentioned in this episode: (00:00) - Intro (02:45)  - New Monthly MZed Pro Membership with Full Access to 750+ Lessons https://www.cined.com/new-monthly-mzed-pro-membership-with-full-access-to-750-lessons (10:28) - Poll: Will You Work for Free for Exposure?  https://www.cined.com/poll-will-you-work-for-free-for-exposure/ (15:09) - Panasonic LUMIX S5II, S5IIX, and G9II Firmware Update Adds LUMIX Lab Support and More https://www.cined.com/panasonic-lumix-s5ii-s5iix-and-g9ii-firmware-update-adds-lumix-lab-support-and-more/ (19:26) - Panasonic LUMIX S9 Firmware Update Released, No Recording Limit (and More) https://www.cined.com/panasonic-lumix-s9-firmware-update-released-no-recording-limit-and-more/ (27:47) - BTS of Nino's TV show project (43:53) - BLAZAR CATO Lens Series Released – Four Focal Lengths with 2x Anamorphic Squeeze https://www.cined.com/blazar-cato-lens-series-released-four-focal-lengths-with-2x-anamorphic-squeeze/ (47:17) - Blackmagic RAW Recording From the Sony FX6 and Sony FX9 – Coming Soon https://www.cined.com/blackmagic-raw-recording-from-the-sony-fx6-and-sony-fx9-coming-soon/ (52:27) - FUJIFILM X Summit on October 14th – Firmware Updates for Improved AF Performance, New F-Log2 C, and More https://www.cined.com/fujifilm-x-summit-on-october-14th-firmware-updates-for-improved-af-performance-new-f-log2-c-and-more/ (56:03) - Sharing the Frame – Split Screens in Films and the Visual Stories They Tell https://www.cined.com/sharing-the-frame-split-screens-in-films-and-the-visual-stories-they-tell/ We hope you enjoyed this episode! Do you have feedback, comments, or suggestions? Write us at podcast@cined.com. 

In this episode, I discuss a significant limitation of Upwork's team collaboration tool: the inability to grant coworkers access only to specific projects rather than all projects in your account. This can be a major issue for freelancers and teams who need to maintain privacy and organization across multiple projects. I share my experience with this challenge and offer a workaround—creating separate accounts for different projects. However, this solution comes with its own set of drawbacks. Tune in to hear my insights and learn how to navigate this obstacle while waiting for Upwork to improve its features. Don't forget to like, share, and subscribe! Yours truly, Phil Svitek Filmmaker, author, podcaster & 360 Creative Coach ⁠http://philsvitek.com⁠

Growing up in California, Adam DeVargas began making trips to Lake Tahoe as a young kid. As soon as he got out of High School, Adam moved to Tahoe and lives his life outdoors. Adam operates Full Access Tahoe, and every day sends customers on rides to nearly 10,000 feet where they can see panoramic views of Lake Tahoe. Join Market Development Manager Jared Christie as he visits with Adam about Tahoe summers and the magic surrounding Lake Tahoe.Unless noted, trademarks are the property of Polaris Industries Inc. © 2024 Polaris Industries Inc.

Today I'm sharing the exact process I use on discovery calls to book out my 1:1 coaching. We're walking through the set up, the format, the questions I ask, and most importantly how to hold the kind of space your potential clients need to say those 2 sacred words…”I'm READY.” >> Click here to join luminaries (FULL ACCESS) for 1 week for $11.11.

This sermon covering chapters 3 and 4 of Hebrews rounds off the theological foundation the author sets for his Jewish audience: who is Jesus. This final one, as Pastor Jon points out, was a doozy: Jesus is bigger than Moses. What does this mean? It means we finally have another shot at God's Rest after the Israelites blew their change, and we finally have full access to God through Jesus Christ, our perfect high priest.

How do you know when it's time to foundation build, when it's time to sell, when it's time to create. As someone TOTALLY NEW to starting and running a business, What comes naturally to me is I want to sell sell sell, call in call in call in and focus on getting clients but I am feeling as if there is foundations missing that would more sustainably support the selling and the calling in. AND how do you know when it's foundation building? I can't tell what I need. Can they both exist?   This was one of the beautiful and rich questions that was asked inside of my membership, luminaires, and I had to bring it to you today. I know so many of you are going to resonate and I hope are deeply seen and supported after tuning into what I had to say these incredible women.   We would love for you to her out luminaries. Link below to binge (and hopefully stay for a while) for $11.11 below. >> Click here for a 1 week FULL ACCESS pass into luminaries for $11.11

The Supreme Court preserved full access to a widely used abortion pill in a case that carried major stakes for reproductive rights and election-year politics. Bloomberg's Paul Sweeney and Alix Steel bring you instant reaction from our Bloomberg News team.See omnystudio.com/listener for privacy information.

Jesus changes everything and gives full access to God… Focus on Him!For this week's Outline and Community Group questions, download our app or visit hillsidefellowship.org, click on Resources and find today's sermon.

Ian Lubbers - 5/19/2024

After engaging in over 100 conversations with fellow moms, one recurring theme became clear: the struggle with self-worth. This week, we will explore the critical insights from these intimate discussions. Full Access to Highlighted Episodes: Designing Your Life: Mastering the Skills You Need with January Donovan The Key to a Joyful, Peaceful, and Fulfilling Life: The Formula for Success with Lynita Mitchell-Blackwell Finding You with Stephanie Rose About The Host: Real Life Momz website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠:⁠⁠⁠⁠⁠⁠⁠ https://www.reallifemomz.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Real Life Momz on Instagram:⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/reallifemomz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Real Life Momz on Facebook:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/reallifemomzpodcast⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠YouTube Channel: https://www.youtube.com/@reallifemomzpodcast4048 Calling all Mompreneurs! Learn SEO and Marketing in a way that is simple and feels right. Download this Free 1-hour Video on Search Engine Optimization and Marketing today! Helping spread the love. Follow, Rate, and Review the Real Life Momz Podcast: ⁠⁠⁠⁠⁠⁠⁠On Spotify⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠On Apple Podcast⁠⁠⁠⁠ ⁠⁠⁠⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/reallifemomz/message

Dr. Anthony Balduzzi is the founder of the Fit Father and Fit Mother Project where he's helped over 60,000 families in over 100 countries with their health and fitness.On the show we get into Why HEALTH is a bedrock of being a great Dad... the current epidemic of UNHEALTHY dads / our sick modern culture... HOW busy Dads can create sustainable systems/routines for great health & fitness... for themselves and as role models of their families. Use this code to get a 2-week FULL ACCESS free trial to the FIt Father Project - https://fitfather.spiffy.co/a/oe6fZoxe3b/warriordad

Heath Lambert discusses three practical tips from his book, "Finally Free", and provides encouragement to those both in the middle of their struggle with pornography as well as those who have succeeded in escaping the cycle.**Disclaimer: The Content in this podcast is meant for mature audiences only 18 and up as some of it may be difficult to listen to. Continuing to listen to this content releases REST, Virginia Dixon from all liability.Interview LinksR.E.S.T.™ EventsHow We Love Online Quiz Soul Hunger Quiz The Body Keeps the Score by Bessel van der Kolk How We Love by Milan & Kay YerkovichWhere to Find VirginiaWebsite Instagram Facebook LinkedIn DonateWhere to Find Pastor LambertFirst Baptist ChurchBook - Finally Free: Fighting for Purity with the Power of GraceBook - The Great Love of God: Encountering God's Heart for A Hostile World

Listen to this podcast as I talk about the past gods of egypt.SKYLIGHT Channel- ledzproduction.vhx.tvSubscribe $3.99 a month FULL ACCESS to all films(Now Showing) The Middle 2-CE3 on Skylight ChannelBecome a supporter of this podcast: https://www.spreaker.com/show/donald-ledesmas-show/support.

In Rev 3:20, Jesus stands and knocks at the door of a church struggling with self-sufficiency and apathy. Jesus wants in, not to shame them, but to transform them. He wants to do the same with us! Let's talk about it! In this first episode of the Make Room series, we talk with Rachel Mitchell, a wife and boy mom of two,  passionate about teaching women of all ages what it looks like to invite Christ into the fight for their bodies and their health and creating habits that make them stronger physically, mentally and spiritually! Mandie & Delaney talk with Rachel about who this Jesus knocking at the door is and why we should give Him full access to our hearts. This episode is chock-full of encouragement and practical ways for you to start making more room for Jesus this year!We have meaningful conversations on the podcast in hopes it will encourage you to have meaningful conversations of your own with the girls in your life. We invite you to pull up a seat at this table of brave conversation! Connect with Rachel on InstagramCheck out the tools on our websiteDownload the Make Room convo cards and leader guideFollow us on InstagramJoin our Facebook group

After marveling at the authority of Jesus' sermon, the crowds now see His authority in healing.

As smart phones have become more prevalent, they are now an aspect of modern day relationships that often needs to be addressed. In this vlog, I give my opinion on how to handle sharing access to your phone to your significant other. Grateful Living Info: YouTube: https://www.youtube.com/channel/UC9Bo0LHtRJJNJBUYIceg27w Spotify: https://open.spotify.com/show/3Hn4ttttmbWfVqAhWh4Jhi Apple: https://podcasts.apple.com/us/podcast/id1503185956 My Instagram: https://www.instagram.com/aroy81547/?hl=en Patreon: https://www.patreon.com/gratefulliving4 Medium: https://gratefulliving4.medium.com/ Time Stamps: 0:00 Recap and Thanks for 2023 1:33 Thoughts on phones and significant others

Ross Lester leads us in our continued exploration of Hebrews; this sermon covers Hebrews 10:19-25.

Brandon Sweeney breaks down Hebrews 9:1-14, showing how Jesus has made it possible for us to have full access to God.

Maggie Van Wey and Amberlee Dawson join the podcast to discuss the work they do at  Full Access. Based in Eugene, Oregon, Full Access is a nonprofit organization that provides services and resources to individuals with intellectual and developmental disabilities. Learn how to get services, become a provider, or follow the latest news and events on their website.   Full Access @  fullaccess.org Hosted by Patty Rose To support the podcast with a one time or monthly donation  go to strpod.com/sponsors Ending Track (audio version) “Over My head” by Patty Rose Sponsored by Oregon Cash Flow Pro Oregoncashflowpro.com To listen to all previous episodes, buy merch, and more go to strpod.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/strpod/message

This is the first episode of the Frontline Full Access podcast powered by Group Dentistry Now. In this episode we are joined by Dr. Riad Almasri, Founder and Partner of FastNewSmile Dental Implant Centers. Dr. Amasri discusses:  The value of mentorship The implant system he prefers  The most challenging case he has ever done  "All on 4" implants  Much more  To discover more about FastNewSmile visit - https://www.fastnewsmile.com/ The Frontline Full Access podcast series blends a mix of the latest full arch insights, as well as operations, marketing and other business strategies from the team at Frontline Dental Implant Specialists. This podcast series provides a peek behind the curtain at Frontline. Discover why this implant partnership model and the people behind it are so unique. To find out more visit https://frontlinedis.com/ .

FREE TRAINING When you join the Full Access membership by this Sunday Aug 20th you get:- FREE 1HR Private Coaching Call- Entered into a draw to WIN a Crème de la Crème Yoga MatGo to https://www.nsnutrition.co/yourpower to register for the Full Access MembershipI'd love to hear where you're at in your journey and where you're stuck.I hope this training brought so much clarity for you!Fit, Healthy & Happy Podcast Welcome to the Fit, Healthy and Happy Podcast hosted by Josh and Kyle from Colossus...Listen on: Apple Podcasts SpotifySupport the show

An estimated 500 million devices are sitting unused in United States houses. ecoATM offers a way to sell and recycle unwanted devices by utilizing one of the company's 6000 kiosk locations. What happens when the device sold had been stolen?   ecoATM checks each device in various electronic reporting systems for signs of being stolen and reports every transaction to the local jurisdiction. Because of this integration and cooperation, law enforcement agencies have been able to make positive IDs.

In Hebrews 9, we are reminded that Jesus' sacrifice for us is a once and for all solution to our sins! His death and suffering on the cross communicate both the depth of our sinfulness and also the power of God's solution to this broken world. The Day of Atonement alluded to in the Old Testament points forward to the cross, which means that everyday we have full access to God and his grace!Join us for Sundays at 1pm PDT - https://gp.online.churchTo find out more about our church, check out these sites!Website: https://www.gracepointonline.org/Facebook: https://www.facebook.com/gracepointchurches/Instagram: https://www.instagram.com/gracepointchurches/

How can you know if video evidence is valid or has been altered? By analyzing a file's metadata without accessing personal information or video footage, Medex can identify if it has been tampered with and flag it for further investigation.  As videos can be easily manipulated, authenticating them is becoming legally necessary. The digital forensic community should apply more pressure to ensure that files can be evaluated earlier in their lifecycle.

Originally recorded and released on June 13, 2023.This compelling message emphasizes the importance of building a two-sided relationship with God, founded on trust, respect, and admiration, while highlighting the consequences of lacking such a connection. Align your words with God's will, unleashing their incredible power for blessings and favor. Watch this show to understand the significance of how giving God full access into your life with shape your destiny!Music Copyright Reference: http://audiojungle.net/item/acoustic-guitar/4036923?ref=LoudMouthPrayerAll Glory goes to Almighty God for we are nothing without Him!Check out Ark of Grace Partners: https://arkofgrace.org/ministry-partnersContact us: arkofgrace.org/contact-usDonate: arkofgrace.org/donateWebsite: arkofgrace.org

Elon Musk tells Tucker Carlson that the U.S. government had full access to Twitter activity, including "private" direct messages. This is yet another example of government and "private" businesses working together against individual liberty. Also, why did Budweiser go woke? There have been so many examples of companies making that mistake. Why didn't Budweiser learn from them?

Free To Learn and PLAY with Dr. Peter Gray Peter Gray is an American psychologist, author and research professor. He has conducted and published research in neuroendocrinology, developmental psychology, anthropology, and education. His research focuses on the role of play in human evolution and how children educate themselves, through play and exploration, when they are free to do so. He has expanded on these ideas in his book, Free to Learn: Why Unleashing the Instinct to Play Will Make Our Children Happier, More Self-Reliant, and Better Students for Life (Basic Books). He has been a regular contributor to Psychology Today magazine and is a founding member and president of the nonprofit Alliance for Self-Directed Education (ASDE) and a founding board director of the nonprofit Let Grow.  He earned his undergraduate degree at Columbia College and Ph.D. in biological sciences at the Rockefeller University many years ago. His own current play includes kayaking, long-distance bicycling, backwoods skiing, and vegetable gardening.  In This Episode: The Importance Of Free Play​ This episode is a re-release of an earlier episode with Peter Gray. (episode 47)  It is such a wonderful and important discussion that I want to make sure it stays accessible.  In this episode we talk about:  The importance of FREE PLAY Self Directed Learning and the key parts of the self directed learning environment The lack of free play in our world today and what the absence of it has led to Parents Fears around self directed education Resources Research studies: https://www.psychologytoday.com/ca/experts/peter-gray-phd Observational study Jay Feldman https://eric.ed.gov/?id=ED453128 Study of Grown Unschoolers https://www.psychologytoday.com/sites/default/files/Published%20Grown%20Unschoolers%20I.pdf https://www.psychologytoday.com/sites/default/files/Published%20Grown%20Unschooles%20II.pdf Brian Sutton Smith Play Scholar Play Theory Democratic Schools Sudbury Valley School Peter Gray's Book Free To Learn: Why Unleashing The Instinct To Play Will Make Our Children Happier, More Self-Reliant, and Better Students For Life Alliance For Self Directed Education Let Grow Project Podcast Sponsor This episode was brought to you by Fearless Learners by Success Codes Fearless Learners by SuccessCodes;Where all children can learn and grow fearless with a Learning Success Coach by their side. Their certified Learning Success coaches make learning easy with their proven holistic coaching methodology which is a unique and superior alternative to tutoring and teaching in all subjects.All of their coaches are certified teachers as well as certified Learning Success Coaches, who have left the school system to create the ‘right' environment to provide customized and personalized learning experiences.    *Kohila is offering a FREE 45 minute clarity coaching call to Honey! I'm Homeschooling The Kids listeners. Just go to learningsuccessacademy.com Watch From Fear To Fearless, Kohila's weekly show on Wednesday, 11am Pacific Time at fearlesslearners.live How To Be An Awesome Homeschooler~ March 24th 2023 Grab your FREE or Full Access Pass ticket (only $37) ~ HOW TO BE AN AWESOME HOMESCHOOLER The summit is open to all since we are hosting it as an audio only experience on the Clubhouse app. But if you register for your FREE TICKET through the website you also receive our Digital Swag Bag that gives you a ton of resource freebies for parents and kids (like my son's Science Animal Journal, Kelly Edwards Creating Quiet Time packet, Free Conscious Parenting mini course, Discounts on our favourite books, Kids Entrepreneurship Course, Discounts to online resources and MORE.  If you cannot make the live event, we are also offering a FULL ACCESS package of the recordings, pdfs and post summit community gatherings which include a Movie Screening~ The amazing film MaidenTrip~ and Live Group Q&A and Coaching with Kelly Edwards of 90 Minute School Day and I.  We are able to create this summit and make it accessible because of our wonderful Sponsors. Night ZooKeeper, Learning Success Academy, Erica Kesilman~Conscious Parent Coach, Mel Science, Storitopia, Amanda Schenkenberger~ Homeschool Coach, Honey! I'm Homeschooling The Kids podcast and 90 Minute School Day. See omnystudio.com/listener for privacy information.