Podcasts about functions

In this episode of What's Next, Aki Anastasiou speaks to Siliziwe Mafika – Director of Finance & Performance Leader at Deloitte Consulting about the realities facing African CFOs in one of the world's most complex operating environments. From currency volatility and regulatory shifts to supply chain pressure and fragmented markets, Mafika explains why resilience, rapid scenario planning and decision velocity have become essential capabilities for modern finance leaders. The conversation explores how finance functions must move beyond traditional monthly reporting cycles toward real-time insight, connected data infrastructure and AI-enabled decision-making. Mafika also unpacks the shift in talent required for the future — where finance, data science and engineering converge — and why the next generation of CFOs must translate technology into tangible business action to stay competitive.

The U.S. Army Corps of Engineers has dredged the lower Columbia River since the 1860s to create a deeper shipping channel between Portland and the Pacific Ocean.    The agency says the practice is necessary to support international commerce, but very few studies have been conducted on its ecological impact. Tribal leaders say dredging has contributed to the decline of lamprey, steelhead and other culturally significant species that rely on the Columbia estuary. Meanwhile, hydropower dams have caused a pileup of sediment in the mid-Columbia, slowing the river’s flow and raising water temperatures to dangerous levels.  

Send us a message!In this episode we will be covering Facebook Live Questions 5/30-6/7/26  from Dana's free Facebook Group Registered Dietitian Exam Study Group with Dana RD!Join the RD Exam Prep Mastery Program for access to the Situational Practice Questions,  Key Topics Review, Vocab Classes, Wed 8pest Group tutoring , study guides and a new trouble area video each week!Need a Crash Course before your exam? Check out the 5 part Pre-Exam Crash Course: Key Topics Review.Get the free RD Exam Prep Masterclass here. test out the recorded classes with the Free Trial.  Looking for additional tutoring service? Visit my website! Shop all recorded courses at https://danajfryernutritiontutoring.teachable.com

Social media strategist Scott Kleinberg joins Bob Sirott to talk about how to use the built-in functions on your phone to make your life easier, including adjusting the text size, muting unwanted notifications, and setting reminders. He also shares details about the upcoming upgrades coming to Siri and answers this week’s genius bar question.

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The Power Of Synergy with Gabrielle Cardona Synchronize to Synergize: Gabrielle Cardona on Personality, Cooperation, and Better Relationships Gabrielle Cardona Opens The Power of Synergy In this episode of The Power of Synergy, host Gabrielle Cardona introduces herself as a relationship coach who began as a life coach more than 20 years ago. She explains that her work eventually centered on relationships because people most often seek help understanding how to connect, cooperate, and improve the quality of their interactions. The episode focuses on what Gabrielle calls synergy: the energy created when people come together and either improve or diminish one another's lives. Honesty, Identity, and the Impact We Have on Others Gabrielle begins by asking listeners to consider whether they make other people's lives better by being who they truly are. She recalls a lesson from her father about honesty, saying that lying to strangers costs opportunities, lying to friends and family damages connection, and lying to oneself leaves a person with no one. Her point is that people must know themselves clearly before they can create healthy synergy with others. When someone understands their strengths, weaknesses, pleasures, and struggles, they give others a real opportunity to cooperate with them. Synergy as Exponential Power A major teaching in the episode is Gabrielle's use of numbers to explain synergy. She says people do not merely add to one another or multiply one another; they can empower one another exponentially. She gives examples such as a “two” and a “nine,” or a “three” and a “seven,” showing how the order of support, leadership, and facilitation can dramatically change the outcome. Her larger message is that people who may feel small or limited on their own can become far more powerful when paired with the right healthy people in the right roles. Principles of Human Energy Gabrielle reviews three principles of human and social energy. First, there is no neutral energy: people are either positive or negative. Second, there is no inertia: people are moving toward someone, away from someone, or with someone. Third, power requires accountability: people must accept responsibility for the impact of their choices and actions. These principles frame the rest of the episode, especially her argument that indifference is not neutral because saying “I don't care” can harm the people who need connection. The Art of AIM: Appreciation, Respect, and Trust Gabrielle introduces what she calls the art of AIM, which stands for appreciation, respect, and trust. These correspond to appreciating people's abilities, respecting their intentions, and trusting their motives. She teaches that people can synchronize more effectively when they recognize what others are good at, honor what matters to them, and trust why they are trying to act. This allows people to cooperate without constantly comparing, competing, undermining, or judging one another. Synchronizing Through Centering Using stories from childhood ballet classes, Gabrielle explains the importance of being centered before trying to move with others. Her ballet teacher emphasized staying centered rather than merely balancing, because dancers needed to know where their weight and alignment were before they could perform with a group. Gabrielle applies this to relationships by saying people must become stable and aware within themselves before joining with others. When someone gets out of sync, they may need to step aside, re-center, and return in a healthier state. Personality, Functions, and Different Strengths Gabrielle then discusses personality profiles, including her own experience identifying as an INTP. She explains dominant, auxiliary, tertiary, and inferior functions, saying that some activities are easy and pleasurable, while others are difficult, unpleasant, or weak. In relationships, teams, families, and practical situations, people should identify who is naturally strong at what and let each person contribute accordingly. If one person's inferior function is another person's dominant function, the healthier solution is cooperation rather than criticism. Sensing, Intuition, Thinking, and Feeling The episode includes a condensed explanation of four basic personality activities: sensing, intuition, thinking, and feeling. Gabrielle describes sensing as engagement with the physical environment, intuition as inner perception and connection-making, thinking as logical and objective decision-making, and feeling as attention to human needs and personal happiness. She stresses that different situations require different functions, and successful synchronization depends on knowing who is best equipped to handle each part of the situation. Everyday Cooperation and Family Relationships Gabrielle gives practical examples, such as preparing for a wedding with several people, limited time, and only one bathroom. Rather than letting stress create conflict, she says the group can plan, divide tasks, and let people use their natural abilities. She also reflects on family and parenting, saying she never had one favorite child because each child was her favorite in a different way, like a favorite food, favorite movie, and favorite song. This becomes an example of appreciating different people without comparing them. Communication, Self-Care, and Better Energy In the final portion, Gabrielle explains that self-care can be appropriate when the motive is to return better able to give. She says people should communicate honestly but humanely, because even a good message can be delivered in a painful way. She discusses anxiety, fear, and anger as signals about what could go wrong, what is going wrong, or what has gone wrong. Her advice is to identify the real source of a conflict, return to appreciation, respect, and trust, and keep working toward a shared goal. Closing Message and Resources Gabrielle closes by encouraging listeners to connect with people in real life rather than relying too heavily on technology. She asks them to speak with people in public, make eye contact, and bring positive energy into ordinary places. She directs listeners to her website, Life Synergy Coaching, and mentions her books, including Embrace Your True Nature, The Self-Actualization Workbook, and Till Death Do Us Part. The episode ends with her central message: healthy relationships come from knowing yourself, honoring others, and learning how to synchronize so that everyone becomes better together.

Do the hauntings match the history? Let's find out!This Sunday join Liv as she explores the history and huantings of Loretto PA's oldest building, The Doss House. After conducting a paranormal investigation without any prior knowledge of the haunted location, listen along as she uncovers the historical roots for what could be a major haunted attraction. From a Russian prince turned priest to an alleged undertaker who sold fruit trees on the weekends, this tiny home has a rich history for a small town in the Alleghenies. SEND IN YOUR PARANORMAL STORIES HERE: https://www.metapsyckicks.com/extrasFOR MORE CHECK OUT THE YOUTUBE CHANNEL: https://www.youtube.com/@MetaPsycKicksDoss House Part 1 - https://youtu.be/dnOkiykc26s?si=bA9QE6sUpF_ulVtiDoss House Part 2 - https://youtu.be/HWdlgiHSUGU?si=dhXcuDKSmP9uGp3aOR READ THE BLOG: https://www.metapsyckicks.com/journalOR JOIN PATREON: https://www.patreon.com/metapsyckicks——-BOOK A PRIVATE PSYCHIC MEDIUM OR PET PSYCHIC READING:Olivia the Medium: https://www.metapsyckicks.com/liv-readings-----CHAPTERS:0:00 - Intro2:37 - Life Update6:34 - Russian Prince Turned Priest17:15 - Functions and Family History34:11 - Hauntings49:57 - Check out YouTube for More!-----DISCLAIMER: This description might contain affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. While this channel may earn minimal sums when the viewer uses the links, the viewer is in NO WAY obligated to use these links. Thank you for your support!-----WHAT ARE YOUR PSYCHIC ABILITIES QUIZ: https://www.metapsyckicks.com/extrasSEND IN YOUR PARANORMAL STORIES HERE: https://www.metapsyckicks.com/extrasWEBSITE AND BLOG:www.metapsyckicks.comEMAIL: metapsyckicks@gmail.com——-SAY HI ON SOCIAL:YouTube: https://www.youtube.com/channel/UC-Np1K0QH8e-EDHhIxX-FaAInstagram: https://www.instagram.com/metapsyckicksTikTok: https://www.tiktok.com/@metapsyckicks?lang=enOlivia The Medium:Instagram -  https://www.instagram.com/oliviathemedium/Threads -https://www.threads.net/@oliviathemedium?invite=4Email - oliviathemedium@gmail.com——-Sources:Google AI Overviewhttps://www.thedosshouse-pa.com/about-the-doss-househttps://en.wikipedia.org/wiki/Demetrius_Augustine_Gallitzinhttps://lorettocarmel.org/from-prince-to-priest/https://www.wikitree.com/wiki/Pfoff-3https://www.ancestry.com/genealogy/records/results?firstName=michael&lastName=pfoffhttps://ancestors.familysearch.org/en/L61M-4YQ/adolph-michael-stich-1907-1983https://www.myheritage.com/names/adolph_stichAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Path of Heroes Academy: Holistic self-development through personality type and RPG character creation http://poha.geekpsychology.com FREE 5-Day INFP Personality Type Tutorial http://INowFeelPositive.com FREE 5-Day INFJ Personality Type Tutorial http://geekpsychology.com/infj

A lot happens after baby's birth! Some reflexes are spontaneous and occur as part of normal activity; others are responses to certain actions. Examine baby's different reflexes and why they are important to his development. Learn more at yourpregnancyweekbyweek.com.

On this day, Pentecost, we read in John chapter 15 three distinctive functions of the Holy Spirit in the world, and in our lives. If you prefer to listen, stream, and/or watch, join us and subscribe on Youtube: https://www.youtube.com/@kingwoodmethodist

Join Boy to Man: https://www.gandhiuniversity.com/manWant to boost your testosterone naturally and become a stronger, sharper version of yourself? This video breaks down the mindset, habits, and behaviors that influence your testosterone levels and ultimately, your life. We're not just talking about biology here. Testosterone is deeply connected to your mindset, confidence, and how you approach challenges.In this video, you'll learn:- The key roles testosterone plays in your body and mind- How embracing challenges can naturally boost your T levels- The importance of competition, purpose, and discipline- Behaviors that silently destroy your confidence and masculinity- Why lifting heavy and staying lean is non-negotiableJoin Boy to Man: https://www.gandhiuniversity.com/man0:00 Test of manliness0:50 5 Functions of testosterone2:01 Develop Male Ego2:29 Challenge is necessary4:09 Take it personally4:38 Choose your enemy6:44 Winner's mindset8:26 Testosterone & Personality8:52 Low Status Behaviors10:51 Lift Heavy & Get LeanJoin Boy to Man: https://www.gandhiuniversity.com/manSaurabh Gandhi is a Psychology expert, CBT Practitioner & well known self-help content creator. Over the years he has helped millions of people find their true purpose, build discipline, speak with power and walk away from destructive habits. People who used to break under pressure are now building their dream careers, leading teams and earning deep respect everywhere they go. People regard him as the "go to psychology guy". He takes away the technical jargon and simplifies human behavior for every Indian looking to be their best selves.Join Boy to Man: https://www.gandhiuniversity.com/man

The Navy is ensuring its officers at the highest levels understand how artificial intelligence works as it adopts and integrates it into its warfighting functions. The Naval Postgraduate School is at the center of those efforts, providing both the courses and the technology to drive that learning. For more on what NPS is doing, Federal News Network executive editor Jason Miller caught up with Randy Pugh, the vice provost for warfare studies, the director of the Office of Warfare Studies and the lead of the AI task force.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The kids in school and outside are a direct result of people having kids and not properly parenting. It's not anything that just happened it is a habit of not caring enough to change an everyday issue. Avoiding the habits of your children is a no no.Press playThis one right here will close out the season, thank you so much for listening.Choose to be a better parent.Daily.Follow us on Chan & Pods channelSubscribe to the show on YT and on your podcast apphttps://www.bonfire.com/store/the-chanbepoddin-spot/Instagram @TheczywmbpodcastX @theczywmbpod#parentinginabetterway #cozywomb #thekids https://www.youtube.com/@chanpods Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

What happens when your well-planned behavior strategy falls apart in real life?This quick episode uses a runaway puppy story to break down what to do in the moment—especially when safety, attention-seeking behavior, and real-world variables take over.Key Takeaways•  Safety comes first•  Behavior plans aren't one-size-fits-all•  Change the environment before blaming the learner•  Stay neutral, not emotional•  Calm, predictable responses matter•  Reflect after, not duringResources•  See these Functions of Behavior social stories for some ideas! https://abainschool.com/fxbxstories•  If you need all the dox you need to create a great FBA, check these out: https://abainschool.com/4zdz

By Nathan Ekama - The role of the priesthood was widely varied in the OT. When we consider what their past role was and what their future role will be, we see that it is far more than just sacrificing animals. The main functions of the priesthood are: A - First and foremost to preserve life. B - Turn many away from

FOLLOW UP WITH ANDREWX: https://x.com/andrewjfarisEmail: podcast@ajfgrowth.comWork With AJF Growth: https://ajfgrowth.comINTELLIGEMSIntelligems brings A/B testing to business decisions beyond copy and design. Test your pricing, shipping charges, free shipping thresholds, offers, SaaS tools, and more by clicking here: https://bit.ly/42DcmFl. Get 20% off the first 3 months with code FARIS20.ECOM EXPERTSGet Shopify dev work that's reliable, affordable, and drives real conversion increases for your store with AJF Growth's preferred dev partner at https://ecomexperts.io/.

Let's look at May Day and Beltane traditions across Britain and Ireland, from ancient fires to seasonal folk customs.

Points don't really have a number, they have a name. They are not just a function, they embody characteristics and relationships.In this episode I get to sit for a conversation with Arnie Lade. He's the author of a book I spent a lot of time with in the library when I was in acupuncture school. Acupuncture Points: Images and Functions wasn't a book I read to pass exams, it was one I read to get a feeling for points.We explore how the work of Moshe Feldenkrais has influenced his work. And how both learning and healing often enough requires an element of unlearning. How ‘not-knowing' is the beginning of fruitful inquiry. That even good diagnostic models can become a box if you cling too tightly.One of the things we touch on that is not often discussed in our trade is the later years of a career and what it's like to step away from a lifetime of practice. I used to hold a romantic notion of practicing until the end of my days. I'm glad there are people like Arnie a few steps ahead to point out the landscape that I've imagined, but not accurately mapped.Finally, we touch on his latest book Zen and the Mystic Impulse, it's a reflection on the time spent with his teacher, his own experience of practice, and the intimacy of not-knowing. Which, curiously enough, is the polar opposite of this first book I read all those years ago on the intimacy of ‘knowing' a point, instead of relying on memorized function.

SummaryThis episode explores the biblical functions of a local church, emphasizing evangelism as a core responsibility. Hosts Timothy Pigg and Klayton Carson discuss how evangelism is rooted in the Great Commission, the importance of church-based evangelism, and practical ways to integrate evangelistic efforts into every church ministry.Keywordschurch functions, evangelism, Great Commission, local church, discipleship, church growth, biblical church, church leadership, church outreach, church healthKey TopicsFunctions of a church based on Acts 2The biblical basis for church evangelismThe importance of church membership and confessionThe role of the Holy Spirit in evangelismIntegrating evangelism into church ministriesChapters00:00 Introduction to the Functions of a Local Church10:54 Understanding Evangelism as a Church Function25:44 The Role of Evangelism in Church Ministries ResourcesText Driven Podcast - https://textdriven.orgConservative Baptist Network - https://conservativebaptist.com

On this episode, Josh and Sam discuss some critical functions of their work as pastors that are not included in the typical church job description. The post The Critical Functions of a Pastor Rarely Found in a Church Job Description appeared first on Church Answers.

KPMG Tax Analytics and Automation Partner Barry Sullivan, along with Digital Solutions and AI Director Ed Hewings, discuss how tax leaders can move beyond AI pilots and productivity gains to unlock real, sustainable value through redesigned workflows, stronger governance and people‑led transformation.   Subscribe to KPMG Tax Now for regular updates. 

Karl and Taylor are back for a solo episode packed with updates. Taylor breaks down major changes to the Shopify Theme Editor, a big B2B announcement that flipped the script on Plus-only features, and a raft of Dev Changelog items. Karl shares a real-world debugging war story about a Shopify Function that was silently discarding all its input — and the 10KB metafield limit that caused it.SponsorThe Support Heroes - https://thesupportheroes.com/?utm_source=lwSubscribe to Liquid WeeklyDon't miss out on expert insights and tips—subscribe to Liquid Weekly for more content like this: https://liquidweekly.com/Timestamps- 00:00 – Intro & Slim Jim nostalgia- 01:00 – Season 3 check-in- 02:20 – Shopify Theme Editor overhaul walkthrough- 08:00 – Markets in the Theme Editor: a common merchant gotcha- 09:30 – Session restore, Rollouts scheduling in the editor- 12:00 – Shopify SimGem (AI shopper simulation) overview- 15:00 – Karl's PromoParty Pro debugging war story- 19:00 – Shopify Functions: silent failures & the 10KB metafield limit- 22:00 – Dev Dashboard function logs deep dive- 26:00 – Discount function limits (25 per shop) & Functions vs. Shopify Scripts- 31:00 – Checkout extensibility, web components, and useful constraints- 33:00 – Shopify Dev Dashboard updates: Plus shops, role-based access- 36:00 – Headless Shopify app, Storefront API tokens & cart metafields- 37:00 – AuthCrate.shop by Dylan- 39:00 – Cart metafields copying to order metafields- 41:00 – Shopify Partner Town Hall recap- 43:50 – **The Big One: B2B features now available on non-Plus plans**- 50:00 – Taylor's table and chair rental business & Roth IRAs for kids- 56:00 – Dev Changelog rundown- 57:00 – Picks of the WeekResources- [PromoParty Pro](https://apps.shopify.com/promo-party-pro) – Karl's free gift with purchase app (co-built with Curt and Paul)- [AuthCrate.shop](https://authcrate.shop) – Dylan's tool for managing custom Shopify app authentication- [Shopify Headless App](https://apps.shopify.com/headless) – For generating Storefront API tokens without a custom app- [Shopify Dev Dashboard](https://shopify.dev/docs/apps/tools/partner-dashboard/dev-dashboard) – The developer-focused dashboard within the Shopify Partner portal- [Shopify Partner Town Hall Summary (SDA)](https://shopifydevalliance.com) – Taylor's recap in the SDA communityPicks of the WeekKarl: Quest Bake Soft Protein Frosted Cookies – Low-carb, keto-friendly cookies that actually taste good. 1g net carbhttps://www.questnutrition.com/collections/cookiesTaylor: Granola AI – AI-powered meeting notes that listens locally without needing a bot invite. Works across Zoom, Slack, Teams, and Google Meet. Great for end-of-day debriefs when you're too tired to write things down yourself.https://www.granola.so/

William's Permaculture Design Course -  https://patreon.com/ThePermacultureConsultant?utm_medium=unknown&utm_source=join_link&utm_campaign=creatorshare_fan&utm_content=copyLinkWilliam's Channel - www.youtube.com/@ThePermacultureConsultantWilliam's Linktree - https://linktr.ee/ThePermacultureConsultant?utm_source=linktree_profile_share<sid=13182d07-8cfe-4e2f-9b52-aa564df0fcf6Eric Seider's Youtube Channel - http://www.youtube.com/@EricSeiderEric Seider's Tshirts - https://www.ericseider.com/pimpgearhttps://linktr.ee/permapasturesfarmSovereign Health Summit with Barbara O'Neill, October 27-31, 2026 - https://www.sovereignhealthsummit.com/?ref=permaPromo Code - TPC - 5% OffThe Wellness Blanket -https://thewellnessblanket.com/?sca_ref=10936149.IjFZC1tt28OPromo Code - Perma - 10% OffAzure Standard - https://www.azurestandard.com/?a_aid=dd1f60ff5dPromo Code - FOODFORHEALTH1515% Off for New Customers Minimum Order $100Nesa's Hemp - https://www.nesashemp.com/#permapasturesfarmPromo Code - perma - 10% OffBon Charge Blue Light Blocking Glasses - https://boncharge.com/?rfsn=8947983.d7b6efPromo Code: Perma - 15% OffSoil Savior Products - https://www.soilsaviors.org/order?aff=654693f413fad4692e058e9eb0779d3667638550392d22d979d6d2d4daf720b3Cell Saviors - https://www.cellsaviors.org/fulvicPromo Code: detox - Get 10% OffMicronic Silver - https://www.micronicsilver.com/?ref=PERMAPASTURESFARMPromo Code - perma 10% offEMF Rocks - https://emfrocks.com/PERMAPASTURESFARMPromo Code - perma - 5% OffAir Water Healing Triad Air Filter - https://airwaterhealing.com/Promo Code: perma - Get 10% OffLiving Soil Foundation GiveSendGo - https://givesendgo.com/GE2E8?utm_source=sharelink&utm_medium=copy_link&utm_campaign=GE2E8If you would prefer to send a check:Living Soil FoundationPO Box 2098Mars Hill, NC 28754Richardson Nutritional Center https://rncstore.com/permaPromo Code: perma - Get 10% OffWAVwatch - $100 Off - https://buy.wavwatch.com/?ref=billy100Promo Code: BILLY100Redmond Products - 15% Off - https://glnk.io/oq72y/permapasturesfarmPromo Code: permaGet $50 Off EMP Shield: https://www.empshield.com Promo Code: permaAbove Phone - https://abovephone.com/perma/Promo Code - PERMA $50 OffHarvest Right Freeze Dryer: https://affiliates.harvestright.com/1247.htmlOnline Pig Processing: https://sowtheland.com/online-workshops-1Patreon: https://www.patreon.com/user

William's Permaculture Design Course -  https://patreon.com/ThePermacultureConsultant?utm_medium=unknown&utm_source=join_link&utm_campaign=creatorshare_fan&utm_content=copyLinkWilliam's Channel - www.youtube.com/@ThePermacultureConsultantWilliam's Linktree - https://linktr.ee/ThePermacultureConsultant?utm_source=linktree_profile_share<sid=13182d07-8cfe-4e2f-9b52-aa564df0fcf6Eric Seider's Youtube Channel - http://www.youtube.com/@EricSeiderEric Seider's Tshirts - https://www.ericseider.com/pimpgearhttps://linktr.ee/permapasturesfarmSovereign Health Summit with Barbara O'Neill, October 27-31, 2026 - https://www.sovereignhealthsummit.com/?ref=permaPromo Code - TPC - 5% OffThe Wellness Blanket -https://thewellnessblanket.com/?sca_ref=10936149.IjFZC1tt28OPromo Code - Perma - 10% OffAzure Standard - https://www.azurestandard.com/?a_aid=dd1f60ff5dPromo Code - FOODFORHEALTH1515% Off for New Customers Minimum Order $100Nesa's Hemp - https://www.nesashemp.com/#permapasturesfarmPromo Code - perma - 10% OffBon Charge Blue Light Blocking Glasses - https://boncharge.com/?rfsn=8947983.d7b6efPromo Code: Perma - 15% OffSoil Savior Products - https://www.soilsaviors.org/order?aff=654693f413fad4692e058e9eb0779d3667638550392d22d979d6d2d4daf720b3Cell Saviors - https://www.cellsaviors.org/fulvicPromo Code: detox - Get 10% OffMicronic Silver - https://www.micronicsilver.com/?ref=PERMAPASTURESFARMPromo Code - perma 10% offEMF Rocks - https://emfrocks.com/PERMAPASTURESFARMPromo Code - perma - 5% OffAir Water Healing Triad Air Filter - https://airwaterhealing.com/Promo Code: perma - Get 10% OffLiving Soil Foundation GiveSendGo - https://givesendgo.com/GE2E8?utm_source=sharelink&utm_medium=copy_link&utm_campaign=GE2E8If you would prefer to send a check:Living Soil FoundationPO Box 2098Mars Hill, NC 28754Richardson Nutritional Center https://rncstore.com/permaPromo Code: perma - Get 10% OffWAVwatch - $100 Off - https://buy.wavwatch.com/?ref=billy100Promo Code: BILLY100Redmond Products - 15% Off - https://glnk.io/oq72y/permapasturesfarmPromo Code: permaGet $50 Off EMP Shield: https://www.empshield.com Promo Code: permaAbove Phone - https://abovephone.com/perma/Promo Code - PERMA $50 OffHarvest Right Freeze Dryer: https://affiliates.harvestright.com/1247.htmlOnline Pig Processing: https://sowtheland.com/online-workshops-1Patreon: https://www.patreon.com/user

¡Hola a todos! Bienvenidos una semana más a atareao con Linux. Hoy os traigo el "premio" que me guardé en el episodio 785. Si pensabas que tu terminal ya era lista, prepárate, porque hoy vamos a ver cómo dotarla de un sistema nervioso propio mediante los eventos personalizados en Fish.En este episodio nos centramos en dos herramientas brutales: emit y on-event. Te voy a explicar, de la forma más sencilla posible, por qué esto cambia las reglas del juego cuando te pones a automatizar tareas en tu servidor o en tu equipo de escritorio.¿Por qué deberías usar eventos en tus scripts? Limpieza absoluta: Olvídate de esos archivos .sh infinitos. Ahora puedes tener pequeñas funciones especializadas que solo actúan cuando ocurre algo concreto. Flexibilidad total: ¿Quieres añadir una nueva acción a un proceso que ya funciona? No toques el código original, simplemente crea una función nueva que escuche el mismo evento. Desacoplamiento: Es la palabra clave. Separamos la lógica de "qué ocurre" de la lógica de "qué hacemos cuando ocurre".Te cuento cómo he aplicado esto para monitorizar mis proyectos de Rust. Uso herramientas como inotifywait para que, en cuanto guardo un cambio en el código, se dispare una cadena de eventos: compilación, tests y despliegue en contenedores. Si algo falla por el camino, el sistema lo sabe y me avisa de inmediato. ¡Es como tener un asistente personal dentro de la shell!También hablamos de la introspección. Te enseño cómo consultar qué eventos tienes registrados y qué funciones están asignadas a cada uno mediante el comando Functions --handlers. Así nunca perderás el hilo de lo que está pasando en tu sistema.Si quieres llevar tu terminal al siguiente nivel y empezar a cacharrear de verdad con la automatización inteligente, este podcast es para ti.Contenido del episodio:00:00:00 Introducción: Lo mejor de Fish se quedó para el final00:01:28 Qué son los eventos y por qué van a simplificar tu vida00:02:40 Cómo declarar eventos con emit y on-event00:04:02 Ejemplo práctico: Notificaciones de escritorio y avisos en Telegram00:06:40 Las 3 grandes ventajas: Desacoplamiento, múltiples receptores y limpieza00:09:20 Introspección en Fish: Cómo ver tus handlers y eventos registrados00:11:05 Caso de éxito: Automatizando la compilación y despliegue de Rust00:13:58 Gestión de errores: Cómo evitar que un proceso falle en cascada00:15:14 Conclusión y despedida: ¡A cacharrear con los eventos!¡Espero que te lo pases pipa escuchándolo tanto como yo explicándolo! Al rico contenedor y... ¡nos escuchamos el jueves!Más información y enlaces en las notas del episodio

These Are Not Law Firm Accounting Functions - They're Law Firm Admin Functions U.S. law firm owner doing $300k–$2M/year? Get a free Law Firm Profit & Tax Checkup where I review your books and tax setup and highlight a few ways similar firms are keeping more of what they earn. Book your checkup here: https://bigbirdaccounting.com

In a sermon preached at Vestavia Primitive Baptist Church, Brother Luke looks at some of the functions of the Holy Spirit. Not only does the Holy Spirit play a vital role in the new birth, but it also leads and comforts us, confirms our sonship, and intercedes for us when we pray. 130302_001

What does an executive pastor actually do — and how do you know if you're doing it well? In this episode of Breaking Barriers, Bobby and Randy break down the 5 core functions every executive pastor (or ministry director) must own. Whether you're a solo XP at a church of 300 or part of an executive team at a multi-campus church of 5,000, these are the responsibilities that make or break ministry momentum. They also get honest about the two ditches on either side of each function — and how to find the middle ground. If you're a lead pastor trying to figure out what your XP should be doing, or a ministry leader growing into that seat, this episode is for you.Website: ⁠https://breakinggrowthbarriers.com⁠Facebook Group: https://www.facebook.com/groups/breakinggrowthbarriersFacebook: https://www.facebook.com/breakinggrowthbarriersInstagram: https://www.instagram.com/breakinggrowthbarriers

Welcome to another episode of BREAKING Protocol, our ongoing mini-series where we break down key updates and design questions straight from the development of SHADE Protocol. Today's topic isn't a weapon, an enemy, or even a location. It's something much bigger. It's the backbone of how the world works, how Replicas think, and how you, as the player, will shape Zura into your own version of a hero. Today, we're talking about Protocols!https://linktr.ee/LittleLegendaryGames?utm_source=linktree_profile_share⁠⁠⁠⁠ Host: Jared Gonzalez. Executive Producer: Kendall Quinoñes. Cohost: Chaz Hawkins, Mauro Piquera. Master Chief Engineer: Jared Gonzalez. Editor: Jared Gonzalez. Graphics Editor: Jared Gonzalez. Digital Media Editor: Jared Gonzalez. Producer: Jared Gonzalez. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/razzledazzleshowpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠#razzledazzle #razzledazzleshow #indiegames #indiegamedev #indiedev #shadeprotocol #metroidvania

Hey friends,Dr. Yi Song has spent her career bridging Eastern and Western medicine.What she's found is that most people are already losing the health game before they feel a single symptom.In this conversation, Dr. Song breaks down why treating symptoms is not the same as healing, what stem cell therapy can actually do (and what the industry gets dangerously wrong), and how meditation and energy flow aren't just ancient metaphysics - they're measurable, teachable tools for longevity.If you've ever wondered whether regenerative medicine is real or hype, or how to find a clinic you can actually trust, this episode will sharpen your thinking.Key Topics:* Why early prevention is the most overlooked lever in healthcare* Stem cell types, functions, and what mesenchymal stem cells can treat* How stem cell production declines with age — and what to do about it* Navigating the unregulated stem cell clinic landscape safely* The six principles of natural longevity from The Regeneration Effect* Meditation, energy flow, and metaphysical states of consciousnessTimestamps:* 00:00 The Intersection of Eastern and Western Medicine* 08:05 The Importance of Early Prevention in Healthcare* 13:19 Exploring Stem Cell Therapy and Its Benefits* 16:18 Understanding Stem Cells: Types and Functions* 19:56 Applications of Mesenchymal Stem Cells in Treatment* 22:39 Preventative Measures for Joint Health and Aging* 28:05 The Decline of Stem Cells with Age* 29:17 Skepticism and FDA Approval in Stem Cell Therapy* 30:58 Quality Control in Stem Cell Treatments* 33:45 Identifying Reputable Clinics for Stem Cell Therapy* 35:21 The Importance of Personalized Treatment* 38:12 The Regeneration Effect: Principles for Longevity* 40:46 Six Principles for Health and Longevity* 46:24 Rapid Fire Longevity Questions* 49:52 Myths and Realities of Stem Cell TherapyRESOURCES MENTIONED:The Regeneration Effect Book — https://book.regenerationeffect.comStemCell Therapy Experts — https://stemcelltherapyexperts.comCell Therapy Experts Podcast — https://youtube.com/CellTherapyExpertsFree Regeneration Effect eBook — https://gift.regenerationeffect.comConnect with Dr. Song: https://regenerationeffect.comABOUT DR. YI SONG: Dr. Yi Song is a regenerative medicine physician and author of The Regeneration Effect. Drawing on decades at the intersection of Chinese medicine and modern science, she guides patients through personalized stem cell protocols and holistic longevity frameworks at StemCell Therapy Experts.ABOUT NINA'S NOTES: Nina's Notes explores the intersection of longevity science, neuroscience, and human optimization. Hosted by Nina Patrick, PhD in pharmaceutical sciences and longevity researcher, each episode translates cutting-edge research into actionable insights for living longer, better.CONNECT WITH NINA'S NOTESLinkedIn: https://www.linkedin.com/in/ninapatrick/Website: https://www.ninapatrick.xyzKey Wordsholistic health, early prevention, stem cell therapy, meditation, longevity, Chinese medicine, regenerative medicine, energy flow, aging, biohacking Get full access to Nina's Notes at www.ninasnotes.xyz/subscribe

#242Do you have required vocabulary lists by units that you're expected to teach? Let's say that you have a list of 30 or 40 words per unit. Your colleagues teaching other sections have the same list for consistency. You introduce them, do a few games, quiz students on the definitions… but something feels incomplete. Because while your students know the words, they're not really using them. So how do we move from word lists to real communication? That's what we're talking about today. So, let's jump in.Topics in this Episode: Instead of asking, "How do I teach this list of words?", ask: “What communication can these words support?”Communicative goals drive how you teach the vocabulary. The vocabulary becomes the vehicle, not the destination.Classroom Strategies:Chunk the List into Functions. Instead of introducing 30 words on Day 1, group them by communicative function and frame your activities around those functions.Turn the List into a Task: “What could students do with these words that feels real and authentic?”These shifts don't require rewriting your curriculum. They just require reframing how you approach the vocab.Ready For Tomorrow Quick Win PD Course: From Vocabulary Lists to Communicative Tasks.A Few Ways We Can Work Together:Ready For Tomorrow Quick Win PD for Individual TeachersOn-Site or Virtual Workshops for Language DepartmentsSelf-Paced Program for For Language DepartmentsConnect With Me & The World Language Classroom Community:Website: wlclassrom.comInstagram:  @wlclassroomFacebook Group: World Language ClassroomFacebook:  /wlclassroomLinkedIn: Joshua CabralBluesky: /wlclassroom.bsky.sociaX (Twitter):  @wlclassroomThreads: @wlclassroomSend me a text and let me know your thoughts on this episode or the podcast.

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Dr. Henry Cloud is a bestselling author, psychologist, and leadership expert whose work on boundaries, relationships, and emotional health has shaped leaders around the world.   If you are familiar with Henry, you know that he doesn't just diagnose problems—he helps leaders understand what growth actually looks like, and how we can take responsibility for it in real life.  Our President and CEO, David Ashcraft, recently sat down with Dr. Cloud for a conversation about his upcoming book Your Desired Future. This book is basically a masterclass in how to lead—yourself and other people and is exactly what we've come to expect from Henry: deep psychological insight with super practical application.   Whether you are just getting started in your leadership journey, or you've been at it for a while now, this conversation is an absolute game-changer, and we are so glad we can bring it to you today. 

Most people think of personality type as a fun way to understand themselves. What they don't realize is that your cognitive functions also predict a lot about which friendships will feel effortless and which ones will require more work. In this episode I share what I've noticed about making friends as an adult through the lens of Myers-Briggs cognitive functions, including what happens when types are just one letter apart, why the perceiving functions shape what you want to talk about, and why none of this shows up on a standard personality test. This is part two of a two-part series. You don't need to listen to part one first, but it's worth going back to. Let's connect! To suggest a podcast topic, send email to hello@signaturestylesystems.com. Want to learn more about how to discover your Style DNA? Start with The Congruence Code! Check out the FREE video masterclass: The Myers-Briggs Key to Signature Style.

Welcome to another episode of BREAKING Protocol, our ongoing mini-series where we break down key updates and design questions straight from the development of SHADE Protocol. Today's topic isn't a weapon, an enemy, or even a location. It's something much bigger. It's the backbone of how the world works, how Replicas think, and how you, as the player, will shape Zura into your own version of a hero. Today, we're talking about Protocols!https://linktr.ee/LittleLegendaryGames?utm_source=linktree_profile_share⁠⁠⁠⁠ Host: Jared Gonzalez. Executive Producer: Kendall Quinoñes. Cohost: Chaz Hawkins, Mauro Piquera. Master Chief Engineer: Jared Gonzalez. Editor: Jared Gonzalez. Graphics Editor: Jared Gonzalez. Digital Media Editor: Jared Gonzalez. Producer: Jared Gonzalez. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/razzledazzleshowpodcast⁠⁠⁠⁠⁠⁠⁠⁠#razzledazzle #razzledazzleshow #indiegames #indiegamedev #indiedev #shadeprotocol #metroidvania

In this encore episode, we detail the structure of the intestinal mucosal barrier alongside central roles that zinc plays in supporting various aspects of mucosal barrier integrity. We discuss key anatomical features, including the mucus layer, epithelial cells, and tight junctions, as well as detail zinc's physiological roles, its relationship with copper, and factors that can affect zinc levels. The discussion further details zinc levels, zinc absorption, and specialized forms of zinc, such as zinc carnosine.Topics:1. Introduction - Overview of intestinal barrier anatomy- Highlighting the role of zinc 2. Intestinal Barrier Anatomy - Four major layers: mucosa, submucosa, muscularis externa, serosa- Mucosa subdivisions; focus on epithelium  3. The Mucus Layer  - Location over the epithelial surface- Composition: mucin-rich, secreted by goblet cells- Goblet cell mucin storage and expansion upon hydration- Functions: trapping pathogens, lubricating epithelium, housing molecules including secretory IgA- Small intestine mucus - Large intestine mucus 4. The Intestinal Epithelium - Monolayer of epithelial cells: enterocytes, goblet cells, and more- Tight junctions, paracellular transport - Continuous epithelial renewal 5. Introduction to Zinc - Zinc as a trace mineral required in minute quantities for numerous physiological processes - Second most abundant trace mineral after iron; majority stored in muscle and bone- Maintaining plasma and intracellular zinc concentrations within narrow range- Both deficiency and excess can disrupt biochemical processes 6. Zinc and Copper  - Zinc and copper as closely interconnected minerals- Zinc, copper, and metallothionein binding in enterocytes- Both high and low zinc can disrupt zinc-copper balance- Metallothionein as a cysteine-rich metal-binding protein  7. Factors Affecting Zinc Levels  - Multifactorial- Possible signs of low zinc status 8. Zinc Absorption  - Dietary sources- Primary absorption in small intestine - In the stomach: HCl and pepsin denature proteins and cleave peptide bonds, releasing zinc from protein complexes- Dietary zinc often bound within tertiary protein structure- Specialized transporters  9. Zinc's Role in the Intestinal Barrier  - Zinc and tight junction proteins- Zinc and Intestinal Epithelial Cells - Zinc and the mucus layer 10. Broader Context of Zinc in Physiology   11. Zinc Carnosine  - Molecular complex of zinc and carnosine- L-carnosine composed of beta-alanine and L-histidine- Gastrointestinal context 12. Conclusion - Multifactorial and multi-system.Thank you to our episode sponsor: 1. Shop Luxxe Red Light™ ⁠⁠here⁠⁠ and receive 10% off.* Luxxe Red Light™ panels are for general wellness and are not intended to diagnose, treat, cure, or prevent any disease. *This podcast is for general informational and educational purposes only and should not be used as medical advice. Thanks for tuning in!"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠75 Gut-Healing Strategies & Biohacks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠" Follow Chloe on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@synthesisofwellness⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠synthesisofwellness.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Preparing the Bride - A five fold gift is not about a title, it's about a function. Sunday sermon from 3.8.26

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

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Julio Cesar is back for part 2, sharing how his journey of getting into dental hygiene school is going so far. He is being deliberate in his application process by pacing hsi science courses, choosing grades over speed, dropping a class when needed, and building strong relationships with professors. This episode normalizes taking the long route while staying accountable and intentional, especially for first-generation and nontraditional dental hygiene students.Struggling on your dental hygiene school journey? Download our free guide to help you overcome your dental hygiene hurdles HERE!

Today, we're joined by Pete Hunt, CEO at Dagster Labs, building out Dagster, the data orchestration platform built for productivity. We talk about:Challenges of determining software pricing with AI workers using appsHow barriers to AI adoption are similar to what we've known in SaaS for a million yearsAI-driven shifts in the workplace [Many disciplines will look a lot more like engineering]How outside sales is among the most durable job functions in the AI eraAdvice for new college grads

Preparing the Bride - The five fold ministry gifts are given to prepare the Bride of Christ. Sunday service from March 1st.

Dr. Debi Silber sits down with brain fitness expert Dr. Patrick Porter to explore how betrayal hijacks the nervous system and what we can do to rewire our brains for healing and optimal performance.  Key Topics Discussed  The Brain-Betrayal Connection  How betrayal dysregulates the nervous system and puts us into sympathetic dominance (fight or flight)  Why traditional healing tools often fail when the nervous system is hijacked  The critical role of brain-heart harmony in healing  Dr. Porter's Journey  Overcoming early struggles in school through visualization and relaxation techniques  Introduction to the Silva Method and its impact on his family  30+ years of research in light, sound, and vibration therapy  Recent breakthrough study showing brain training outperformed opioids for pain management  Understanding Brain Waves  Five Primary Brain Wave States:  Beta (35-40%): Reactionary mind for daily tasks, but high beta creates stress and mistakes  Alpha: Controls creativity and cognitive ability; atrophies with age  Theta: The master meditator state; key for neuroplasticity and gut-brain communication  Delta: Deep restorative sleep essential for clearing toxins and cognitive health  Gamma (40+ Hz): Releases GABA and accesses the body's natural pharmacy  The Sleep-Brain Connection  You do more neurological work sleeping than when awake  Need minimum one hour of level 4 sleep to prevent cognitive decline  Brain shrinks three-quarters of an inch nightly to wash away toxins through cerebrospinal fluid  Discovered in 2015: The lymphatic system operates in the brain during deep sleep  Practical Strategies for Brain Fitness  Morning Routine:  Drink two glasses of water with Celtic salt upon waking  Wait two hours before drinking coffee to preserve cortisol curve  Practice psychological sighing breath (in bathroom for privacy)  Get sunlight exposure and connect with nature  Midday Reset:  Take a 20-minute brain break around 2pm when body temperature drops  Google/Microsoft study showed 26% productivity increase with proper breaks  Use box breathing: breathe in 4 counts, hold 4, out 4, hold 4  Evening Wind-Down:  4-7-8 breathing technique: breathe in for 4, hold for 7, breathe out for 8  Get to bed by 10pm to maximize melatonin production (10-11pm window)  Liver only cleanses between 11pm-12am  Use deep delta training to reach first sleep cycle faster  The Pineal Gland  Functions like an eyeball with ocular nerves  Enlarged pineal glands associated with intuitive gifts  Can become calcified by water, air, and food toxins  Keep healthy through proper breathing and spinal fluid circulation  Generational Memory  MIT research shows we're influenced by 54 generations of ancestors  Genetic memory passed at conception affects our responses  We can recognize and change inherited patterns through daily rituals  The BrainTap Solution  72 published studies supporting the technology  Outperforms neurofeedback in 15 sessions vs. 40  Uses light, sound, and vibration for brainwave entrainment  Three daily protocols: Morning SMR training (10 min), afternoon theta reboot (20 min), evening delta training  Key Takeaways  97% of thoughts today are the same as six months ago  Thoughts arise in our brain but don't originate there  You can't solve a problem at the level it was created (Einstein)  "You can't have a pill without a skill" - sustainable healing requires inner work  Breathing is the key: you can't stay angry, anxious, or depressed while breathing properly  Resources Mentioned  BrainTap: 14-day free trial at braintap.com  Dr. Porter's website: DrPatrickPorter.com  Book: The Brain Fitness Blueprint (Hay House)  The Silva Method: Ultra relaxation technique  Connect with Dr. Patrick Porter  Visit DrPatrickPorter.com or BrainTap.com for more information and to start your brain fitness journey.  Note: Always consult with a healthcare practitioner before starting any new supplement or health regimen. 

Explore Your Personality: https://PersonalityHacker.com    In this episode, Joel and Antonia answer listener questions, using them to clarify common misunderstandings about cognitive functions, especially why Sensation (Extraverted Sensing) can look action-oriented and how it differs from (Effectiveness) Extraverted Thinking. They also dig into bigger themes like what wisdom really is, how certainty and uncertainty show up across shadow functions, and what happens when your upbringing suppresses a core preference like Exploration (Extraverted Intuition). Along the way, they respond to a few memorable comments, reflect on how their content and delivery have evolved over the years, and share why they are leaning more into writing and experiential learning.

  Gregory Copley notes that despite scandals surrounding Prince Andrew, the Royal Family remains essential glue holding the UK and Commonwealth together, with the King and working royals performing vital diplomatic functions while spares struggle without defined roles.1900 BRUSSELS