Podcasts about funded

Paying off your mortgage can feel like one of the clearest signs of financial freedom. I understand the appeal. For many families, that monthly payment represents pressure, obligation, and dependence on someone else. That is exactly why Velocity Banking can sound so compelling. Use a home equity line of credit to attack the mortgage balance, run your income through the line, reduce the total interest you pay, and get the house paid off faster. On paper, the math can work. That is not really where Bruce and I disagree. https://www.youtube.com/watch?v=C6N3lnog3PY What I want you to look at is what happens to your control of capital while you are doing it. A HELOC gives you access to credit under a bank's contract and lending rules. Infinite Banking starts from a different premise: build capital first, then use the policy's loan provision to access capital against what you have already built. Both strategies can involve borrowing. Both require disciplined behavior. But they are not the same financial system. And I want to say this up front: we are not anti-HELOC. A HELOC can be a useful financial tool. The purpose of this conversation is not to tell you that using one is automatically wrong. It is to help you see the structural tradeoffs clearly, especially if you are thinking about making a HELOC the center of your banking strategy. When you are thinking beyond one transaction, about the opportunities you want to pursue, the people you want to provide for, and the financial strength you want to build for your family, that distinction matters. Key TakeawaysWhat Velocity Banking Actually DoesPaying Less Interest Is Not the Only Financial ObjectiveA HELOC Gives You Access to Credit. That Is Not the Same as Controlling Capital.Home Equity Is Valuable, but It Is Not Liquid CapitalWhat Infinite Banking ChangesThe Ownership Question MattersA Different Way to Think About Paying Off the MortgageThe HELOC Draw Period Deserves Attention From the BeginningInfinite Banking Has Tradeoffs TooThe Bigger Question Is Who Controls the Capital Key Takeaways Velocity Banking can accelerate mortgage payoff, but the HELOC itself does not create the savings. Your cash flow and additional principal reduction do the work. Home equity is a real asset, but it is not the same as liquid capital. Turning it into spendable cash requires a sale or another financing decision. A HELOC gives you access to bank credit. Your continued access to unused credit remains subject to the lender's contract and applicable rules. Infinite Banking requires capitalization first. Policy loans charge interest and have to be managed responsibly. Our preference for Infinite Banking is about building a capital system around liquidity, contractual guarantees, long-range behavior, and control, not pretending every bank loan is bad. Before you ask how fast you can eliminate your mortgage, ask what position your capital will be in while you are getting there. DimensionHELOC (Velocity Banking)Infinite BankingWhere the capital comes fromA bank's credit line against your home equityCapital you build first inside a participating whole life policyGetting access to itThe bank approves the line; access to unused credit stays subject to the lender's contract and rulesThe policy's loan provision, based on the contract and available loan value — not income, credit score, or home valueWho controls continued accessThe lender, which may freeze or reduce the line in defined circumstances (per the CFPB)You, within the terms of the policy you ownCost of borrowingCommonly a variable rate that can change over timePolicy-loan interest (not free money); an unpaid loan can reduce the death benefitLiquidity of the underlying assetHome equity is real but not spendable until you sell, refinance, or borrow against itA capital base designed to stay liquid, accessible, and deployableUnderwriting each time you use itSet when the line is established; future refinancing depends on conditions at that timeNo bank-style underwriting each time you use the loan provisionYour relationship to the institutionYou are the bank's customerYou participate in a mutual insurer as an eligible policyholder (dividends are non-guaranteed)The main tradeoff to weighAccess can tighten at exactly the moment you need itYou must capitalize the policy first, and give it timeHELOC vs. Infinite Banking at a glance What Velocity Banking Actually Does Velocity Banking uses a revolving line of credit, often a HELOC, as part of a mortgage-payoff strategy. The basic mechanics are straightforward. You open a HELOC against available equity in your home. You use some of that credit to reduce or replace mortgage debt. Then you direct income into the HELOC and use the line again for living expenses. If more cash flows into the line than flows back out, the balance declines. That can reduce the total interest you pay and shorten the payoff timeline. But here is the part I do not want you to miss: your surplus cash flow is paying down principal. The HELOC changes the path the money takes. It does not create the surplus. Bruce said it very simply in our conversation: your behavior is more important than the strategy. If your income is steady, your spending stays disciplined, rates cooperate, and you follow the plan consistently, the model can look very compelling. But life is not an illustration. Income changes. Businesses have slow seasons. Families face expenses they did not plan for. And sometimes an opportunity shows up at exactly the moment you were not expecting it. That is why I want a financial strategy to be evaluated by more than how it performs when everything goes perfectly. I also want to know what options it leaves you when life does not follow the spreadsheet. Paying Less Interest Is Not the Only Financial Objective One of the strongest arguments for Velocity Banking is something we actually agree with in principle: the interest rate by itself does not tell you the total cost. A higher rate on a balance that falls quickly can, in some circumstances, produce less total interest than a lower rate carried for decades. Looking only at the rate can give you an incomplete picture. But looking only at interest saved can do the same thing. I understand why people see the amount of interest on a long mortgage schedule and immediately think, "I need to get rid of this as fast as possible." That reaction makes sense. Nobody is trying to pay a bank more interest than necessary. The question I want you to add is: what else is happening to that dollar while you are paying down the house? Every extra dollar of principal you put into the four walls of your home increases your equity, but that dollar is no longer liquid. To turn home equity back into spendable cash, you have to sell, refinance, or borrow against the property. There is also an opportunity cost. Could that same dollar have strengthened your reserves? Funded your business? Put you in position for an investment opportunity? Built capital somewhere that remained accessible to your family? A paid-off home may absolutely be part of your financial plan and part of your legacy. But so is the financial capacity you preserve along the way. For me, that is the bigger conversation. We are not simply trying to win an interest calculation. We want each decision to strengthen the whole financial system. A HELOC Gives You Access to Credit. That Is Not the Same as Controlling Capital. This is the distinction at the center of the episode. When you have a HELOC, a bank has agreed to extend credit to you against the equity in your home. That credit can be incredibly useful, but it is still a lending relationship. The bank decides whether you qualify when the line is established. Your available credit exists under the agreement, the value of the collateral, and the lending rules that apply to the account. HELOCs also commonly have variable interest rates, so the cost of borrowing can change over time. Some products offer fixed-rate features, but the details depend on the lender and the contract. The other issue is access. An unused credit line is not the same thing as cash you already control. The Consumer Financial Protection Bureau explains that a lender may freeze additional advances or reduce a HELOC in certain circumstances, such as a significant decline in the home's value or a material change in the borrower's financial condition. That does not mean a bank can simply demand repayment of every HELOC whenever it wants. Bruce was careful about that distinction in our conversation, and I want to be just as careful here. It means your continued access to unused credit is not entirely yours to decide. If your financial strategy depends on that line staying open and available, that matters. You are still a customer of someone else's bank. Home Equity Is Valuable, but It Is Not Liquid Capital Owning more of your home is not a bad thing. A paid-off home can be a meaningful goal. But we need to distinguish between having equity and having capital you can deploy. Your home's equity is real. The house is an asset. But if you want to use that equity without selling the property, a lender usually has to become part of the decision again. That is why Bruce and I kept coming back to the image of money being stored inside the four walls of the house. You can put more money in by paying down principal. The harder question is how easily you can get that money back out when you need it, and on whose terms. If your primary financial objective is to pay off the house as fast as possible, you may be directing a large share of your available cash into an asset that is not immediately deployable. At the same time, you may be delaying your ability to build a capital base somewhere else. For me, financial freedom includes having capital that is growing,...

Episode 5625: Saudi Funded Boy Scouts

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LA drifts further over the edge of insanity. How do you feel about government-funded (AKA YOU funded) masturbation and sex sites to service the city's homeless? Angelenos are pissed over their choices for mayor, but democrats chased Spencer Pratt out of contention. Who will save LA? The US-Canada trade war spells economic doom for Canada - just listen to the numbers. And Enes Kanter Freedom gets ejected and banned from a WNBA arena for standing up for women who don't want men in their sports.    

In Today's Episode: Host: Brandon Elliott,  https://zez.am/brandonelliottinvestments Guest: Dustin Rosenberg & Jonathan Yoo Over $3.4 Billion Funded in REI Loans | Ready, Set, Go! Podcast Welcome back to the Ready, Set, Go! Real Estate Investing Podcast with your host, Brandon Elliott! In this episode of the Ready, Set, Go! Real Estate Investing Podcast, host Brandon Elliott sits down with Dustin Rosenberg & Jonathan Yoo Dustin and Jonathan are the co-owners of Convoy Home Loans, a lending business they launched in early 2021. Since starting their business, they have already funded a staggering $3.4 billion in real estate volume. They manage a robust team of about 53 to 55 staff members, which includes roughly 27 to 28 loan officers and 15 processors. Despite running the entire operation, both founders lead by example as top producers who still actively originate loans and handle their own clients. A massive 90% to 95% of the loans they originate are dedicated specifically to real estate investors. Their bread and butter is DSCR (Debt Service Coverage Ratio) loans. About 70% of their investor portfolio consists of DSCR or 30-year fixed alternative loans (like bank statement or asset depletion loans), while the remaining 30% covers typical fix-and-flips, buy-and-holds, and ground-up builds. ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links:  How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report:https://myfreescorenow.com/enroll/?AID=COUNSELELITELLC&PID=18983 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon:  Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott:  Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148

HOUR 2 (08/24) - Gary & Shannon dig into dueling polls in the California governor’s race and whether polling itself can influence voters, before returning to 49ers owner Jed York’s prostitution arrest and Shannon’s very simple lesson: pay your hookers.Then they break down Los Angeles’ taxpayer-matching system for mayoral campaign donations and Karen Bass’ use of it, before wrapping with News & Brews, John Kobylt weighing in (via text) and the promise of electric air taxis that could someday turn a trip to downtown LA into a 10-minute flight.See omnystudio.com/listener for privacy information.

Organizations that provide help for low-income Wisconsin residents, as well as the state agencies that help fund the groups, could face audits from a state legislative committee.

You went looking for Infinite Banking, or maybe "be your own bank," and a max funded IUL came back as the answer: market-linked growth, tax-free access, no downside. On paper, it sounds like whole life, only better. https://youtu.be/UMTiXDmYNok A max funded IUL is an indexed universal life policy funded at or near the maximum premium the IRS allows before the contract becomes a modified endowment contract. It's not a separate product, but a funding decision applied to an ordinary IUL that pushes cash value growth harder while offsetting internal costs. Max funding gets invoked to explain why an IUL didn't work: you just didn't fund it hard enough. But a product that needs funding to its legal ceiling to perform as illustrated says something about the product, not just the strategy. Max funding improves the odds. It doesn't remove the fragility underneath. What Is a Max Funded IUL?Why Max Funded IULs Are Marketed So AggressivelyThe IUL Fees the Illustration Doesn't Show YouWhy Your Credited Return Is Not the Index's ReturnThe Rising Cost of Insurance Inside an IULCan a Max Funded IUL Still Lapse?Max Funding a Whole Life Policy InsteadWhen Max Funding an IUL Makes SenseWhat to Ask Before You Fund OneBook a Strategy CallFrequently Asked QuestionsWhat is a max funded IUL?What does max funding an IUL actually mean?How does a max funded IUL work?Is a max funded IUL better than a 401(k) or Roth IRA?Can a max funded IUL still lapse?Can you max fund a whole life policy instead? Key takeaways: Max funding is a funding strategy, not a distinct product. There's no "max funded IUL" you buy off the shelf. A zero-crediting year isn't a flat year: fees still come out, and growth compounds off a permanently lower base. The insurer can change your cap, participation rate, and spread once a year, without asking first. Max funding defers lapse risk. It doesn't eliminate it. Apply the same instinct to whole life, and you get the guarantees an IUL was never built to offer. What Is a Max Funded IUL? A max funded IUL, sometimes called a maximum funded indexed universal life policy, is an indexed universal life policy funded at or near the highest premium level the IRS permits before crossing into modified endowment contract status. There's no separate product line behind the term, just this definition. A few people write it as "max funded indexed universal life" or shorthand it to "max fund IUL"; all of it points to the same funding decision. Every universal life policy quotes two premium figures: a minimum, the least you could pay and still have a shot at sustaining the death benefit if the index cooperates, and a maximum, the most the IRS allows before the tax treatment changes. Max funding means paying near the top of that range. More dollars in means more dollars exposed to crediting: 10% on $100,000 of premium is $10,000; the same 10% on $10,000 is $1,000. One term worth pinning down: a modified endowment contract, or MEC. The IRS caps how much premium can go into a permanent policy while preserving tax-free access. Cross that limit and the policy still grows tax-deferred, but access gets taxed, including policy loans, tax-free in every other context. (Consult a licensed tax professional on how §7702 and §7702A apply to your contract.) The distinction everything else here rests on: this isn't a different kind of policy, just a decision about how much premium goes into an IUL. You'll sometimes see it called an overfunded IUL, which is just another name for the same funding choice, not a separate product to shop for. And it's worth flagging now: you can max fund a whole life policy the same way. For a full breakdown of how an indexed universal life policy works, see what an indexed universal life policy is. Why Max Funded IULs Are Marketed So Aggressively Before picking apart max funding, it's worth saying plainly: the appeal is real. A max funded IUL has genuine features that draw in smart, financially literate people, and pretending otherwise would make the rest of this article dishonest. It offers tax-deferred growth with tax-free access through policy loans, no annual contribution ceiling like a 401(k) or Roth IRA imposes since capacity is governed by the death benefit purchased, a 0% floor marketed as downside protection, an included death benefit, and in strong index years, the possibility of double-digit credited growth. The most effective version shows up as a retirement play: a tax-free income vehicle for people phased out of Roth eligibility or maxed on contribution room elsewhere. We won't unpack that comparison; we cover IUL-for-retirement here. Bruce and I both make this concession without hesitation: the instinct behind max funding is correct. It flips the usual "buy the most death benefit for the least premium" logic on its head and treats a permanent policy as a place to store and access capital instead. The open question isn't whether to max fund, but which product deserves it. The IUL Fees the Illustration Doesn't Show You IUL fees are disclosed, sitting in the contract right now, but rarely walked through in the illustration or the sales conversation, so buyers routinely agree to a fee structure they've never once seen quantified. Give the product its due: disclosure is a genuine point in its favor. Whole life keeps most costs internal, priced against guarantees, so an actuary can tell you exactly what those costs do to cash value over time. An IUL has no such floor, so the same load fee taken from a smaller balance next year does more damage, and the shortfall compounds forward. One misconception worth correcting: indexed crediting doesn't mean your premium is invested in the index. The insurer manages the underlying assets and hedges its own exposure as it sees fit. Surrender charges also tend to run larger on an IUL than on whole life, relevant only if you actually surrender; whole life's rough equivalent is simply lower cash value in the early years. This is where max funding earns its name: it exists to outrun these fees through sheer volume, which means the strategy's own proponents are conceding the drag is real. The illustration never asks what happens if the funding doesn't outrun it. For the full risk picture beyond fees, see dangerous truths about IUL risks. Why Your Credited Return Is Not the Index's Return The 0% floor isn't free. It's purchased with three mechanisms the insurer can adjust annually: a cap ceilings the credited rate, a participation rate credits only a percentage of the gain, and a spread is a hurdle the index must clear before anything credits. The worked numbers are below. One "uncapped" strategy runs a three-year point-to-point at 60% participation: the index gains 30% over three years, but the policyholder is credited 18%, roughly 6% annualized. "Unlimited" is doing marketing work the mechanics don't back up. MechanismWhat it doesWorked exampleCapCeilings the credited rate15% cap, index gains 25%, credited 15%Participation rateCredits a percentage of the gain80% of a 15% cap, credited 12%SpreadDeducts a hurdle before crediting3% spread, index gains 8%, credited 5%0% floorPrevents index-driven loss, fees still deductedIndex falls 15%, credited 0%, fees still come out The insurer can change the cap, participation rate, and spread once a year, without your consent. It's disclosed, not misconduct, just a term rarely explained. With fifteen indexes and multiple crediting strategies on offer, a policyholder can face well over a hundred permutations, which reads as control and functions as confusion. Now the zero-year mechanics, the single most important thing to understand here. A zero-crediting year is not a flat year: fees still come out, pulled from a smaller cash value, and the next year's crediting compounds off that lower base. A zero in year eight of a $3-million, thirty-year projection doesn't just mean missing that year's interest , it resets the compounding base permanently, and when the index drops, the insurer's hedging costs rise too, so you lose nothing to the index and still lose money. Agents say zero is your hero, then illustrate 30 years at a flat assumed rate, often 6.45% or 6.85%, sometimes a more conservative 5.25% column, without a single zero year anywhere in the projection. Both claims can't be true at once. Average isn't actual either: $100,000 down 20% is $80,000, and up 20% from there is $96,000, not $100,000. For an independent take on these mechanics, see Todd Langford's analysis of indexed universal life. The Rising Cost of Insurance Inside an IUL IUL insurance charges are priced as annually renewable term. The cost re-prices every year based on age, and it climbs. Max funding puts more premium in to help absorb it, but doesn't change the fact it keeps rising. The climb accelerates: something like $10 more from age 55 to 56, then $14, then $22, then $35. Whole life prices base-policy mortality cost across the entire life of the contract with a defined endowment point built in, so early years cost more relative to a small cash value and later years cost less relative to one grown large enough to absorb them. Bruce has personally seen carrier illustrations where mortality cost inside an IUL becomes severe around age 77, with the in-force death benefit graph turning sharply downward within a couple of years, even under continued maximum contributions. That's his observation from specific illustrations, not a universal threshold. That leaves the policyholder in a rough spot decades in: pay materially more than illustrated, or give up a policy funded faithfully for thirty years. This is the cost max funding is supposed to outrun, and the one cost that climbs on a schedule funding can't influence. Can a Max Funded IUL Still Lapse? Max funding reduces lapse risk. It does not remove it,...

In Episode 20 of Season 7 of Driven by Data: The Podcast, Kyle Winterbottom is joined by Nick Zervoudis, Founder at Value from Data & AI, where they discuss why so many data and AI teams struggle to demonstrate measurable business value — and why the real failure almost always happens upstream, long before anyone tries to articulate it.Nick makes the case that "we can't prove our value" is usually a symptom, not the disease: teams solve the wrong problem, skip the value case, or hand off value realisation to no one. Along the way they get into his five-point diagnostic framework, how to build a credible back-of-the-envelope ROI estimate before a line of code is written, how to prioritise a portfolio of opportunities, and where AI productivity savings are real versus imaginary.They also discuss:Why the inability to demonstrate value is usually an upstream failure, not a communication problem.What Nick's five-point framework reveals: wrong problem, wrong solution, poor execution, no measurement, weak communication.Why data teams keep solving the wrong problem by starting from technology instead of the problem itself.How to separate the "problem space" from the "solution space" before reaching for a tool.Why 70–80% of data teams operate as order takers rather than true collaborators.Why being ROI-positive is only the entry ticket, not a reason to do a project.What criteria actually decide prioritisation: return, payback speed, implementation readiness, and strategic relevance.Why nothing a data team builds has inherent value without an owner on the business side to realise it.How to build a credible back-of-the-envelope value case before anything gets built.Why estimating value is far easier to learn than the technical craft most data people already have.How to get stakeholders to correct a rough estimate rather than hand them a blank sheet.Why "how will we measure success?" is the most useful question you can ask when scoping work.What the bystander effect has to do with data teams quietly failing to create value.How framing work around outcomes turns engineers from code-writers into problem-solvers.Why hours saved rarely become money on the balance sheet.What the five-to-six buckets of productivity value are, and why you must never double-count them.Why some AI investment should deliberately have no business case at all.How Monday.com turned a five-week experimentation window into a $100M ARR product.Why blanket self-serve analytics or company-wide AI licences often set you up for failure.What first steps a CDO should take to re-prioritise a roadmap around measurable value.Thanks to our sponsor, Data & AI Literacy Academy.Data & AI Literacy Academy is leading the way in transforming enterprise workforces with data literacy across the organisation, through a combination of change management and education. In today's data-centric world, being data literate is no longer a luxury, it's a necessity.If you want successful data product adoption, and to keep driving innovation within your business, you need to start with data & AI literacy first.At Data & AI Literacy Academy, they don't just teach data skills. They empower individuals and teams to think critically, analyse effectively, and make decisions confidently based on data. They're bridging the gap between business and data teams, so they can all work towards aligned outcomes.From those taking their first steps in data & AI literacy to seasoned experts looking to fine-tune their skills, our data experts provide tailored classes for every stage. But it's not just learning tracks that they offer. They embed a deep data culture shift through a transformative change management programme.They take a people-first approach, working closely with your executive team to win the hearts and minds. We know this will drive the company-wide impact that data teams want to achieve.Get in touch and find out how you can unlock the full potential of data in your organisation. Learn more at www.dl-academy.com/driven

In this segment, Charlie James opens by addressing listener concerns regarding government surveillance and license plate tracking cameras, comparing them to personal cell phones where users retain individual control over privacy settings. He argues that while individuals can choose to turn off or leave their phones at home, government tracking allows no personal choice once a driver enters public roads. James then critiques government spending oversight by highlighting two controversial cases: an award given in Minnesota to an individual later convicted of a $1 million Medicare fraud scheme, and a $5 million taxpayer grant awarded in Pennsylvania to expand a private Islamic school whose handbook allegedly describes American culture as toxic. He expresses frustration over working citizens' tax dollars funding institutions or individuals that oppose American values.

Cliff May: Cliff May argues that Islamism is not being studied with the rigor that communism once received during the Cold War. He observes that many university Middle East studies departments, funded by foreign interests such as Qatar, have become Islamist adjacent. May highlights a recent Senate hearing on the Muslim Brotherhood where most senators failed to attend, fearing accusations of Islamophobia. This willful determination to ignore history allows the red-green alliance of far-left activists and Islamists to grow, posing a significant threat to democratic values. (7)

Every day, tens of millions of people use mantras all around the globe. Originating in South Asia and then spreading via practitioners, texts, rituals, and iconography, mantras have been grounded in speech and sound but also take a range of material forms. For instance, they are inscribed on surfaces, written in manuscripts, printed on posters, visually encoded in diagrams, or worn as amulets and textiles. Not surprisingly, mantras also circulate widely in digital spaces. In this episode of the Nordic Asia Podcast, Prof. Xenia Zeiler from the University of Helsinki talks to Prof. Borayin Larios about the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia, and about digital mantra research. Funded by a Synergy Grant from the European Research Council, MANTRAMS is a pioneering, large-scale research project entirely dedicated to mantras, past and present. The interdisciplinary and comparative six-year project will investigate mantras across millennia and around the world, examining the roots of mantra, their circulation across South and Southeast Asia, and their transcultural significance in global contexts today. Borayin Larios is Assistant Professor of Modern South Asian Studies at the University of Vienna. His research interests span contemporary and classical Indian religious traditions, including the anthropology and history of mantras, popular and everyday Hinduism, material religion, and Yoga and Tantra traditions. In his interdisciplinary approach, he combines cultural anthropology, religious studies, and historical philology. He is a Principal Investigator in the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia. Xenia Zeiler is Professor of South Asian Studies at the University of Helsinki. Her research and teaching are situated at the intersection of digital media, culture, and society, specifically as related to India and global Indian communities. Her focus within this wider field of digital culture is video games and gaming research, in India and beyond. She also researches and teaches digital religion, popular culture, cultural heritage, and mediatization processes. The Nordic Asia Podcast is a collaboration sharing expertise on Asia across the Nordic region, brought to you by the following academic partners: Asia Centre, University of Tartu (Estonia), Asian studies, University of Helsinki (Finland), Centre for Asian Studies, Vytautas Magnus University (Lithuania), Centre for East Asian Studies, University of Turku (Finland), Centre for East and South-East Asian Studies, Lund University (Sweden) and Centre for South Asian Democracy, University of Oslo (Norway). We aim to produce timely, topical and well-edited discussions of new research and developments about Asia. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Every day, tens of millions of people use mantras all around the globe. Originating in South Asia and then spreading via practitioners, texts, rituals, and iconography, mantras have been grounded in speech and sound but also take a range of material forms. For instance, they are inscribed on surfaces, written in manuscripts, printed on posters, visually encoded in diagrams, or worn as amulets and textiles. Not surprisingly, mantras also circulate widely in digital spaces. In this episode of the Nordic Asia Podcast, Prof. Xenia Zeiler from the University of Helsinki talks to Prof. Borayin Larios about the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia, and about digital mantra research. Funded by a Synergy Grant from the European Research Council, MANTRAMS is a pioneering, large-scale research project entirely dedicated to mantras, past and present. The interdisciplinary and comparative six-year project will investigate mantras across millennia and around the world, examining the roots of mantra, their circulation across South and Southeast Asia, and their transcultural significance in global contexts today. Borayin Larios is Assistant Professor of Modern South Asian Studies at the University of Vienna. His research interests span contemporary and classical Indian religious traditions, including the anthropology and history of mantras, popular and everyday Hinduism, material religion, and Yoga and Tantra traditions. In his interdisciplinary approach, he combines cultural anthropology, religious studies, and historical philology. He is a Principal Investigator in the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia. Xenia Zeiler is Professor of South Asian Studies at the University of Helsinki. Her research and teaching are situated at the intersection of digital media, culture, and society, specifically as related to India and global Indian communities. Her focus within this wider field of digital culture is video games and gaming research, in India and beyond. She also researches and teaches digital religion, popular culture, cultural heritage, and mediatization processes. The Nordic Asia Podcast is a collaboration sharing expertise on Asia across the Nordic region, brought to you by the following academic partners: Asia Centre, University of Tartu (Estonia), Asian studies, University of Helsinki (Finland), Centre for Asian Studies, Vytautas Magnus University (Lithuania), Centre for East Asian Studies, University of Turku (Finland), Centre for East and South-East Asian Studies, Lund University (Sweden) and Centre for South Asian Democracy, University of Oslo (Norway). We aim to produce timely, topical and well-edited discussions of new research and developments about Asia. Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/southeast-asian-studies

Every day, tens of millions of people use mantras all around the globe. Originating in South Asia and then spreading via practitioners, texts, rituals, and iconography, mantras have been grounded in speech and sound but also take a range of material forms. For instance, they are inscribed on surfaces, written in manuscripts, printed on posters, visually encoded in diagrams, or worn as amulets and textiles. Not surprisingly, mantras also circulate widely in digital spaces. In this episode of the Nordic Asia Podcast, Prof. Xenia Zeiler from the University of Helsinki talks to Prof. Borayin Larios about the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia, and about digital mantra research. Funded by a Synergy Grant from the European Research Council, MANTRAMS is a pioneering, large-scale research project entirely dedicated to mantras, past and present. The interdisciplinary and comparative six-year project will investigate mantras across millennia and around the world, examining the roots of mantra, their circulation across South and Southeast Asia, and their transcultural significance in global contexts today. Borayin Larios is Assistant Professor of Modern South Asian Studies at the University of Vienna. His research interests span contemporary and classical Indian religious traditions, including the anthropology and history of mantras, popular and everyday Hinduism, material religion, and Yoga and Tantra traditions. In his interdisciplinary approach, he combines cultural anthropology, religious studies, and historical philology. He is a Principal Investigator in the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia. Xenia Zeiler is Professor of South Asian Studies at the University of Helsinki. Her research and teaching are situated at the intersection of digital media, culture, and society, specifically as related to India and global Indian communities. Her focus within this wider field of digital culture is video games and gaming research, in India and beyond. She also researches and teaches digital religion, popular culture, cultural heritage, and mediatization processes. The Nordic Asia Podcast is a collaboration sharing expertise on Asia across the Nordic region, brought to you by the following academic partners: Asia Centre, University of Tartu (Estonia), Asian studies, University of Helsinki (Finland), Centre for Asian Studies, Vytautas Magnus University (Lithuania), Centre for East Asian Studies, University of Turku (Finland), Centre for East and South-East Asian Studies, Lund University (Sweden) and Centre for South Asian Democracy, University of Oslo (Norway). We aim to produce timely, topical and well-edited discussions of new research and developments about Asia. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/south-asian-studies

Every day, tens of millions of people use mantras all around the globe. Originating in South Asia and then spreading via practitioners, texts, rituals, and iconography, mantras have been grounded in speech and sound but also take a range of material forms. For instance, they are inscribed on surfaces, written in manuscripts, printed on posters, visually encoded in diagrams, or worn as amulets and textiles. Not surprisingly, mantras also circulate widely in digital spaces. In this episode of the Nordic Asia Podcast, Prof. Xenia Zeiler from the University of Helsinki talks to Prof. Borayin Larios about the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia, and about digital mantra research. Funded by a Synergy Grant from the European Research Council, MANTRAMS is a pioneering, large-scale research project entirely dedicated to mantras, past and present. The interdisciplinary and comparative six-year project will investigate mantras across millennia and around the world, examining the roots of mantra, their circulation across South and Southeast Asia, and their transcultural significance in global contexts today. Borayin Larios is Assistant Professor of Modern South Asian Studies at the University of Vienna. His research interests span contemporary and classical Indian religious traditions, including the anthropology and history of mantras, popular and everyday Hinduism, material religion, and Yoga and Tantra traditions. In his interdisciplinary approach, he combines cultural anthropology, religious studies, and historical philology. He is a Principal Investigator in the ERC Synergy project MANTRAMS - Mantras in Religion, Media and Society in Global Southern Asia. Xenia Zeiler is Professor of South Asian Studies at the University of Helsinki. Her research and teaching are situated at the intersection of digital media, culture, and society, specifically as related to India and global Indian communities. Her focus within this wider field of digital culture is video games and gaming research, in India and beyond. She also researches and teaches digital religion, popular culture, cultural heritage, and mediatization processes. The Nordic Asia Podcast is a collaboration sharing expertise on Asia across the Nordic region, brought to you by the following academic partners: Asia Centre, University of Tartu (Estonia), Asian studies, University of Helsinki (Finland), Centre for Asian Studies, Vytautas Magnus University (Lithuania), Centre for East Asian Studies, University of Turku (Finland), Centre for East and South-East Asian Studies, Lund University (Sweden) and Centre for South Asian Democracy, University of Oslo (Norway). We aim to produce timely, topical and well-edited discussions of new research and developments about Asia.

August 13, 2026 ~ Lloyd Jackson and Special Guest Co-Host, Kaitlyn Buss speak with Dave Woodward, Commission Chair, Oakland County Board of Commissioner's Public Health, Safety and Finance Committee, about the possibility of Oakland County funding a Planned Parenthood Clinic. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

The financial sector didn't just enable Jeffrey Epstein—they fortified him. For decades, elite institutions like JPMorgan Chase continued to do business with Epstein long after his 2008 conviction for soliciting a minor, ignoring internal warnings, compliance red flags, and credible allegations of abuse. High-ranking executives maintained close relationships, funneled vast sums through opaque accounts, and even joked about his grotesque proclivities in internal emails. Bankers helped him move millions across borders, granted him access to ultra-wealthy clients, and never asked the kind of questions they would demand from an average customer depositing a suspicious $10,000. These weren't oversights—they were decisions. Deliberate, profitable, and saturated with moral rot.At every turn, the financial institutions chose profit over principle. They ignored the trail of victims, the mountain of press coverage, and the glaring signs of criminality, all in exchange for Epstein's connections and capital. Even as civil suits piled up and survivors came forward, these firms were more concerned with protecting their reputations than cutting ties with a known predator. The result wasn't just a financial scandal—it was systemic complicity. The banks didn't just launder his money. They laundered his legitimacy, allowing him to continue operating as a global financier, when in truth he was running an empire built on exploitation and secrecy.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

The financial sector didn't just enable Jeffrey Epstein—they fortified him. For decades, elite institutions like JPMorgan Chase continued to do business with Epstein long after his 2008 conviction for soliciting a minor, ignoring internal warnings, compliance red flags, and credible allegations of abuse. High-ranking executives maintained close relationships, funneled vast sums through opaque accounts, and even joked about his grotesque proclivities in internal emails. Bankers helped him move millions across borders, granted him access to ultra-wealthy clients, and never asked the kind of questions they would demand from an average customer depositing a suspicious $10,000. These weren't oversights—they were decisions. Deliberate, profitable, and saturated with moral rot.At every turn, the financial institutions chose profit over principle. They ignored the trail of victims, the mountain of press coverage, and the glaring signs of criminality, all in exchange for Epstein's connections and capital. Even as civil suits piled up and survivors came forward, these firms were more concerned with protecting their reputations than cutting ties with a known predator. The result wasn't just a financial scandal—it was systemic complicity. The banks didn't just launder his money. They laundered his legitimacy, allowing him to continue operating as a global financier, when in truth he was running an empire built on exploitation and secrecy.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Wisconsin Democrats chose Milwaukee County Executive David Crowley as their nominee for governor after a razor-thin primary upset against DSA candidate Francesca Hong. In Minnesota's Democratic Senate primary, Lieutenant Governor Peggy Flanagan defeats Congresswoman Angie Craig. Flanagan ran on a campaign to dismantle ICE, Medicare for all and a halt on sales of offensive weapons to Israel.Government funded sex changes for children have been halted. President Trump on Tuesday announcing the federal government will no longer use Medicaid funds to cover such procedures. The Centers for Medicare and Medicaid Services has also finalized a rule ending federal Medicaid and Children's Health Insurance Program funding for such procedures on children and young people.Kash Patel says homicides are down 17.2% across many of America's largest cities in the first half of 2026. He's crediting cooperation between the FBI, state and local law enforcement. Patel telling the Epoch Times the bureau is also targeting transnational criminal organizations that operate online scam compounds in Southeast Asia. Patel is urging Americans who believe they've been targeted by an online scam to contact the F-B-I as early as possible. He says every report can contribute to taking down a criminal network somewhere in the world.

PJ talks to Craig Coady about the rejection of Skyclarys, the first Byrne Report on Corks cost of living crisis Funded by the News Reporting Scheme, great tips on seeing the eclipse. And more.. Hosted on Acast. See acast.com/privacy for more information.

Yesterday representatives from the HSE and community and voluntary organisations took part in a workshop to learn how to promote health and wellbeing through nature-based activities. The Greencare workshop was led by local group Transition Kerry at the community gardens developed by KASI, the Killarney Asylum Seekers’ Initiative in Ballycasheen. Sari Houlihan reports. Funded under the News Reporting Scheme.

There's been a lot of talk recently about the MFP and education funding, and a task force will meet about it on Thursday. So we go over what it all means and how it works with Barry Erwin, chief policy officer for Leaders for a Better Louisiana.

In this episode, Emily shares the microinterviews she recorded at two conferences this year and solicited from subscribers to her mailing list. The prompt she gave to everyone was "What is your best financial advice for a funded graduate student matriculating in fall 2026?" Emily was curious whether the advice would be timeless or unique to 2026, and you can listen for how the respondents interpreted it. You'll hear first the responses from the conference attendees at the Graduate Career Consortium Annual Meeting in June 2026 and the Higher Education Financial Wellness Summit in July 2026. Virtually all of these respondents work at universities, and most have PhDs themselves. Second, you'll hear the responses submitted by Emily's mailing list subscribers. Some of them came in audio form and some in written form, and Emily voices the written submissions. She also make a few comments in between some of the submissions if there are podcast episodes that relate to the given advice.

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

What happens when nursing home residents, direct care workers, administrators, clinicians, and researchers all have an equal seat at the table? In this episode of Elevate Eldercare, host Susan Ryan welcomes Liza Behrens, assistant professor at Penn State University, along with members of the Empowering U.S. Nursing Homes Community Advisory Board explore how person-centered research can transform the future of long-term care. Funded by the Patient-Centered Outcomes Research Institute (PCORI), the project is working to increase the capacity of nursing homes to participate in meaningful clinical research shaped by the people who live and work in these communities every day. Joining the conversation are resident Lorraine Bingman, certified nursing assistant Troy Alexander, nursing home administrator Allison Myer, and geriatrician Nicole Osevala, MD. Together, they share how diverse perspectives are strengthening research, breaking down barriers created by technical language, and ensuring that innovation reflects the real experiences of residents and caregivers. More about the Empowering U.S. Nursing Homes project here: https://www.nursing.psu.edu/empoweringus/ More about AgingIN's upcoming purpose-driven conference here: https://aginginnovationconference.org/

'BradCast' 8/4/2026: Cornyn, Tillis Approve Blanche for A.G. and Trump's Historic Taxpayer-Funded Heist) by Progressive Voices

Kenmare is a tourist centre at peak capacity at the height of the season but water remains a major problem constraining development in the area. Despite €40 million in the last ten years why does the town still have a water shortage and what is being done to solve it? Jerry spoke to: - Patrick Hanley of the Kenmare Tourism Group - Kerry County Councillor Johnny Healy-Rae - Kerry County Councillor Teddy O'Sullivan-Casey - Lorraine Griffin of KCYS (Kerry Community Youth Service) Kenmare - Dermot Healy, principal of Pobalscoil Inbhear Scéine - Senator Mark Daly, Cathaoirleach of Seanad Éireann Funded by the News Reporting Scheme.

Leading brain health and neurological organisations are warning the country is training specialists only to lose them, due to a lack of funded hospital positions. The Neurological Alliance, is calling on the Government to fund two additional public hospital neurology positions every year and commit to developing a national neurological workforce strategy to plan for the future. The Alliance represents 20 New Zealand organisations including Stroke, Dementia, Parkinson's, and Epilepsy New Zealand, who advocate collectively for the interests of the estimated 1.5 million New Zealanders living with neurological conditions. Chair of Neurological Alliance, Rich Easton, says the shortage of neurologists is already significant consequences across the health system including long wait times and declined referrals. Chair of Neurological Association - which represents neurologists - Dr. James Cleland says the ageing workforce is not being replaced fast enough, and more training places are desperately needed.

Wayne Cartmel grew up on a small farm in the Lake District region of northwest England and was selling chickens by the age of four. He trained as a maths teacher in Bedfordshire and could not believe the process he had to go through to apply for jobs — hours of Word-based application forms, one after another. He asked why nobody had digitized it, and then decided to do it himself. Funded by a £5,000 innovation voucher and built with a computer science volunteer who is still his CTO eleven years later, it took two years to reach a working prototype. Wayne took no funding, went over £100,000 into personal debt, and did not draw a livable salary for several years. MyNewTerm is a specialized hiring marketplace and applicant tracking system that connects schools across England directly with job seekers. It allows educational employers to post vacancies and manage candidates using a streamlined workflow that supports part-time, full-time, and temporary roles.  MyNewTerm now partners with over 6,000 schools and 500 multi-academy trusts, has surpassed £5M in revenue, and processes over 100,000 candidate applications a month with just 20 employees. It holds roughly 45% market share among multi-academy trusts against a private-equity-backed incumbent. Key Takeaways Distribution Wins — Anyone can build a product now; almost nobody can get it into customers' hands. Start Absurdly Small — He targeted five schools in one district of Luton, then moved to the next. Free Buys Evidence — Schools wouldn't pay for an unproven marketplace, so he gave it away to prove it worked. Focus Compounds — Sticking to the core, not chasing adjacent opportunities, is what built the market share. Hard Equals Defensible — The marketplace was brutal to start, which is exactly why nobody can replicate it. Quote from Wayne Cartmel, Founder and CEO of MyNewTerm "Distribution and execution are everything, because the market nowadays is going to be flooded with software products, EdTech in particular. The advancements in AI mean that you can spin up products really quickly. I almost wish that was available ten years ago when I was starting as a non-technical founder.  "Building the product is the easy bit; I thought it would be the hard bit. What I failed to realize, and I wish somebody had told me, is that it's actually the distribution and the sales and marketing, the go-to-market motion, that's the really tough bit, doubly hard with a two-sided marketplace.  "You can build a product on such a small budget now, but you've got to be really deliberate and disciplined to keep on going and generate momentum. That's why many don't make it: they don't have the ability and resilience to get through the really hard moments when people are continually saying no to you, and you're continually being rejected." Links Wayne Cartmel on LinkedIn MyNewTerm on LinkedIn MyNewTerm website Podcast Sponsor – Vista Point Advisors This podcast is sponsored by Vista Point Advisors, a leading investment bank for founder-led software, AI, and internet companies. Vista Point works exclusively on the sell side, providing unconflicted M&A and capital raising advice to help founders maximize business value, evaluate their options, and realize ideal outcomes.   The Practical Founders Podcast Tune into the Practical Founders Podcast for weekly in-depth interviews with founders who have built valuable software companies without big funding. Subscribe to the Practical Founders Podcast using your favorite podcast app or view on our YouTube channel. Get the weekly Practical Founders newsletter and podcast updates at practicalfounders.com. Practical Founders CEO Peer Groups Be part of a committed and confidential group of practical founders creating valuable software companies without big VC funding.  A Practical Founders Peer Group is a committed and confidential group of founders/CEOs who want to help you succeed on your terms. Each Practical Founders Peer Group is personally curated and moderated by Greg Head.

This episode of Curry Café, hosted by Ray Gary and Rick McNamer, features Ron Schnearson of the Brookings Public Art Collaborative and Brookings City Manager Tim Rundel discussing Brookings' public art initiative. They detailed plans for sculptures, murals, and utility box wraps to beautify the city, starting with a sculpture at the north end of the Chetco Bridge to welcome visitors. Funded by urban renewal, grants, and donations, the program emphasizes community involvement, durable designs, and rotating art displays to create a vibrant, lasting cultural identity. We encourage anyone with differing views to participate in future Curry Café discussions. If you would like to join the panel, email contact@kciw.org or call 541-661-4098. Hosts: Ray Gary, Rick McNamer; Producers: Ray Gary, Rick McNamer Intro and end music by Kat Liddell. Used with permission. The opinions expressed here are those of the individual participants. Curry Coast Community Radio takes no position on issues discussed in this program. If you enjoy this program and want to hear more like it, consider supporting Curry Coast Community Radio. Here’s How.

In May 2026, the Office of Management and Budget proposed sweeping changes to how the federal government administers billions of dollars in federal research grants. That funding fuels scientific discovery, medical breakthroughs, and technological innovation. The proposal was open for public comment for 45 days and drew more than half a million responses. Supporters of the proposal argue that it will prevent waste, fraud, and abuse in federal spending. Critics contend that the proposal will politicize research funding by giving executive branch political appointees greater influence over which research projects receive federal support. Joining us to break down the OMB proposal and what it could mean for the future of research are:  Evan Morris, professor of radiology and biomedical imaging and of biomedical engineering at Yale Catharine Young, senior fellow at the Harvard T.H. Chan School of Public Health Ryne Weiss, director of research here at FIRE   Timestamps:  00:00 Intro   02:57 What's in the OMB proposal? 08:57 Research grant "kill switches" and their consequences 17:17 Limits on foreign research partnerships and professional activities 21:29 The importance of federal funding to medical research 23:23 Are pharmaceutical companies the "boogeymen"? 25:13 The gold standard of scientific research 26:22 The "replication crisis"   31:16 Open science and peer review 40:37 Bias in research funding decisions 44:06 Should science be shielded from politics?  49:04 Has research always been political? 53:14 How politicization could change scientific research 58:59 Outro   Enjoy listening to the podcast? Donate to FIRE today and get exclusive content like member webinars, special episodes, and more.  If you became a FIRE Member through a donation to FIRE at fire.org and would like access to Substack's paid subscriber podcast feed, please email sotospeak@fire.org.  

Send us Fan MailThe latest instance of the nation talking about absurd news in Minnesota...Check out the American Experiment Podcast!Join us as we break down the viral national story on Minnesota's transgender dolls for kids, tell you about how the Trump administration is delivering on its immigration promises, and get to the root of why Minnesota has had average population growth but below-average job growth for years. On the back half, Jon Justice joins us to give you a special preview of his newly re-launched daily live show.QOTW: What would you do if your child came home from school with one of these trans-dolls?Remember to LIKE, SHARE, COMMENT, and SUBSCRIBE so you never miss an episode of the American Experiment Podcast. We'll see you next Tuesday afternoon!Find the full audio show wherever you get your podcasts including: Apple Podcasts, and Spotify!Check out our NEW legal podcast: The rationally Based Podcast  Follow The American Experiment on: Twitter/X, Instagram, Facebook, and TikTok

The Highway Trust Fund brings in roughly $45 billion a year and spends closer to $80 billion. Congress keeps the system running by borrowing the difference and moving that money into a program still treated as if road users fully fund it. Rebecca Higgins, vice president of policy at the Eno Center for Transportation, explains how the fund reached this point and why the gap keeps growing. She and Chuck examine the choices lawmakers have avoided for decades, including higher taxes, lower spending, new fees, or a smaller federal role, and what happens when highway funding begins competing with other underfunded national priorities. Additional Show Notes Rebecca Higgins (LinkedIn) The Eno Center for Transportation (Site) The Last Exit: Fixing the Highway Trust Fund while Solvency is still Solvable (Report) Mission Accomplished Report (Site) Chuck Marohn (Substack)   This podcast is made possible by Strong Towns members. Thank you! Join fellow members discussing this episode in The Commons.

Congress voted Thursday to end the war in Iran. Wednesday they funded it. Pete Hegseth bombed civilians and called it a win. This is how they get away with it. In this episode: • The Gish Gallop — how politicians weaponize bad-faith arguments to escape accountability • War Powers Act theater — Congress funds the wars it pretends to oppose • Hegseth bombed a Yemeni refugee camp and violated the Espionage Act. Nothing happened. • Marco Rubio's circular logic: we attacked Iran because Iran was going to attack us after we attacked them • The ICC, US hypocrisy, and the Justice for Victims of War Crimes Act • Mayor Zohran Mamdani calls for Netanyahu's arrest — and why Michael Rappaport should read the law first Key figures covered: Pete Hegseth, Marco Rubio, Zohran Mamdani, Benjamin Netanyahu, Michael Rappaport, Donald Trump, Jon Ossoff, Mike Waltz

Clients ask us this all the time: how many policies do you actually have, how did you fund them, and do you really need more than one? In this episode, we go through our own systems and provide an overview of why we started each one, and the reasoning behind adding more. The post Why We Started Our Policies (and How We Funded Them) appeared first on Life Success Legacy.

Paediatricians say funding a new vaccine for the respiratory illness RSV could keep thousands of kids out of hospital every year. Dr Emma Best, an associate professor of pediatric and youth health at Auckland University spoke to Ingrid Hipkiss.

Today, on the first full day of his premiership Prime Minister Andy Burnham has laid out plans for scrapping VAT on household electricity bills and has claimed he wants a ‘cost of living government'. Burnham said he would scrap VAT on household electricity bills in October, saving a typical household about £45 a year. This will be paid for by scrapping Keir Starmer's digital ID scheme, No 10 says, but ex-minister Darren Jones argues the ID scheme was "unfunded". Adam, Alex and Faisal discuss.You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://bbc.in/newscastdiscordGet in touch with Newscast by emailing newscast@bbc.co.uk or send us a WhatsApp on +44 0330 123 9480.New episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bbc.in/4guXgXd Newscast brings you daily analysis of the latest political news stories from the BBC. The presenter was Adam Fleming. It was made by Jack Maclaren with Rosie Merota and Shiler Mahmoudi. The social producer was Beth Pritchard . The technical producer was Rohan Madison. The assistant editor is Chris Gray. The senior news editor is Sam Bonham.

Former UK Prime Minister Gordon Brown has called for police to expand their investigation into Prince Andrew—also referred to as Andrew Mountbatten-Windsor—by examining how public funds were used during his time as the UK's trade envoy. Brown argues that newly surfaced material tied to the Epstein files raises serious questions about whether taxpayer money funded not just official duties, but potentially private activities or relationships connected to Jeffrey Epstein. He is urging authorities to obtain records and question officials across multiple government departments involved in organizing Andrew's travel and engagements.Brown also highlighted longstanding concerns about Andrew's spending while in the role, including frequent use of RAF flights and resistance to traveling commercially, which he previously described as generating “unacceptable costs.” He is now pushing for a broader inquiry into whether there was misuse of public funds or even a failure to properly scrutinize those expenses at the time. The renewed calls come amid a wider investigation into Andrew's links to Epstein, with Brown suggesting that financial records, travel data, and witness testimony could provide a clearer picture of how public resources may have intersected with alleged private conduct.to contact me:bobbycapucci@protonmail.comsource:Gordon Brown urges police to examine public funds during Andrew Mountbatten-Windsor's time as UK trade envoy | Sky News AustraliaBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

JOIN PATREON FOR EARLY UNCENSORED EPISODE RELEASES: https://www.patreon.com/JulianDorey CLIPPERS DISCORD: https://discord.gg/8QmWEKJ3BT FOLLOW JULIAN DOREY IG: https://www.instagram.com/julianddorey/ X: https://x.com/juliandorey FOLLOW JOEY DEEF IG: https://www.instagram.com/joeydeef/ X: https://x.com/TokeMalone JULIAN YT CHANNELS - SUBSCRIBE to Julian Dorey Clips YT: https://www.youtube.com/@juliandoreyclips - SUBSCRIBE to Julian Dorey Daily YT: https://www.youtube.com/@JulianDoreyDaily - SUBSCRIBE to Best of JDP: https://www.youtube.com/@bestofJDP ****TIMESTAMPS**** 0:00 - EXCLUSIVE: Senator Mitch McConnell joins the show 6:22 - JD Vance Rogan had no pre-approved questions 8:21 - Jack Posobiec appears to lie about Charlie Kirk Evidence 11:13 - Joe Kent “optics” Charlie Kirk Investigation 12:05 - Charlie Kirk Blowback 19:44 - Julian's Phone Call w/ Baron Coleman 24:08 - Julian's initial thoughts on JD Vance Rogan podcast 29:21 - JD Vance's Quagmire 33:58 - Joe Kent's initial thoughts on Vance Podcast 34:36 - JD Vance on “main goal” of Iran War & being “a commentator” 38:42 - Ben Shapiro Meltdown 41:15 - JD Vance “talking point” & reaction to FUNDED campaigns to derail Iran Deal 44:20 - JD Vance's “diplomatic” approach to Israel relationship 49:34 - JD Vance addresses Israel's influence, JD Vance vs. Marco Rubio 51:48 - JD Vance addresses Epstein Files Mistakes, NYT Situation Room Scandal 55:16 - JD Vance on Epstein Blackmail & Trump 1:00:18 - Epstein & Trump 1:04:00 - Takeaways from Vance Rogan 1:06:00 - Todd Blanche in middle of AG Confirmation Hearings 1:07:01 - Massie Epstein Bill “Poison Pill” 1:10:57 - Blanche on “legality” of releasing unreleased Epstein Files 1:14:33 - Even Jesse Watters not buying Todd Blanche 1:16:48 - Karoline Leavitt continues to not get it 1:22:17 - The Worst Case Scenario is NOT impossible (& how we avoid it) 1:25:32 - Canada Wildfires OUT OF CONTROL 1:28:34 - Wishing Senator McConnell best of luck in future endeavors 1:29:27 - ROLLING right now CREDITS: - Host, Editor & Producer: Julian Dorey - COO, Producer & Editor: Alessi Allaman - https://www.youtube.com/@UCyLKzv5fKxGmVQg3cMJJzyQ - In-Studio Producer: Joey Deef Julian Dorey Podcast Episode 451 - Julian Dorey Music by Artlist.io Learn more about your ad choices. Visit podcastchoices.com/adchoices

Victoria's Secret mogul turned mega-donor Leslie Wexner introduced Epstein to Harvard. Now, a growing protest movement to strip his name from university buildings is getting shut down. What did Epstein's money man know? When did he know it? And who really calls the shots in higher education? The Harvard Crimson's Dhruv Patel returns for Part 3 in our series on America's most prestigious school and most notorious predator, to examine Wexner and Epstein's "friendship," plus an exclusive interview and a new tranche of internal fundraising transactions that reveals $100 million in publicly unaccounted donations.• Part 1: "The Jeffrey E. Epstein Fund for Women's Athletics"• Part 2: How Harvard Whitewashed Jeffrey Epstein's Millions(Pablo Torre Finds Out is independently produced by Meadowlark Media and distributed by The Athletic. The views, research and reporting expressed in this episode are solely those of Pablo Torre Finds Out and The Harvard Crimson and do not reflect the work or editorial input of The Athletic or its journalists.) Hosted on Acast. See acast.com/privacy for more information.

ICE’s decision to halt vehicle stops has triggered backlash from conservatives who say this is exactly the kind of retreat they were promised would not happen. After years of demanding stronger immigration enforcement, many Republicans are asking why the administration appears to be pulling back instead of doubling down. Jesse Kelly unpacks the breaking news, the political fallout, and why Republican voters are rightfully enraged.Choq: Visit https://choq.com/jessetvfor a 17.76% discount on your CHOQ subscription for lifePureTalk: Stop overpaying for big wireless and switch to Pure Talk to get unlimited data when you visit https://PureTalk.com/JESSETVAmerican Financing: Call American Financing today to find out how customers are saving an average of $800/mo. NMLS #182334 https://nmlsconsumeraccess.orgAPR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-891-2821 for details about credit, costs and terms. Visit https://AmericanFinancing.net/JesseAverage savings based on borrowers who save over $199.99Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Xbox just laid off thousands, spun off four studios, and cancelled games it had defended a day earlier. Greg Posner and games-industry analyst Colan Neese take apart Microsoft's restructuring memo and land on an uncomfortable read: this wasn't a bad week, it was the bill coming due for a decade of running gaming as a lifestyle business.They dig into the losses (64 cents gone on every dollar spent), the decision to starve Minecraft to prop up everything else, the Game Pass numbers that never made the memo, and the blame pie: how much lands on Phil Spencer, and how much on CEO Satya Nadella. Then they split hard on the future. Colan makes the case that the fix is an ad-funded, one-to-one discovery engine. Greg goes down swinging for a different read of why players won't leave the games they already know.Two live games along the way: ranking Microsoft's biggest IP by revenue (and where the AI got it wrong), and an invest-or-sell round on Xbox's dormant franchises.In this episode(0:00) Cold open, and the week that broke Xbox(9:00) The layoffs and studio spin-offs: Avowed cancelled, a new Fallout greenlit(11:54) The memo: losing 64 cents on every dollar, and starving Minecraft(18:15) Phil Spencer, the "wayward son with a credit card"(19:07) Restructuring, and the Game Pass numbers that never got named(23:49) Colan's "script for Asha Sharma," and why Xbox is a distant fifth platform(29:24) The pitch: ad rev-share, the way YouTube pays creators(32:00) Game: rank Microsoft's biggest IP by revenue(37:35) Game: invest or sell Xbox's dormant franchises(44:49) The blame pie: how much is on Satya Nadella(49:56) The debate: is discovery broken, or are players just comfortable?(1:09:00) Games for Change NYC, and what's nextQuotablesColan Neese: "You lost 64 cents on a dollar, and you took from the profitable engine that was Minecraft."Colan Neese: "Ads are just content. It's just a different kind of content."Links and mentionsPlayer Driven: https://playerdriven.ioThe Operator's Briefing, our weekly newsletter: https://playerdriven.io/level-upJoin the community on Discord: https://discord.gg/GC5PkbKFHGames for Change, NYC, July 21AboutPlayer Driven Live breaks down the business behind the games every week, for the people who build, run, and rebuild them. Hosted by Greg Posner with analyst Colan Neese. If this is your kind of conversation, subscribe, and come argue with us in the Discord.

A real estate investor borrowed $160K from his life insurance and never stopped compounding. Here's how.CFP Mark Willis returns to break down the Bank On Yourself strategy and how real estate investors are using life insurance cash value as a source of capital without slowing their growth. He walks through a real client who borrowed $160,000 from his policy to fund a fourplex while the policy kept compounding untouched, why he agrees with Dave Ramsey that most whole life insurance is a bad deal, and what makes the 2% version different. The conversation also covers the Vanderbilt and Rockefeller families as a case study in generational wealth, how a policy loan compares to a HELOC, and where AI still falls short as a financial advisor.Key topics:How a policy loan funded a fourplex without losing a dollar of compoundingWhy most whole life insurance is a bad deal, and what the 2% version looks likeVanderbilts vs Rockefellers, why some families keep generational wealth and others lose itPolicy loans versus a HELOC, side by sideWhy AI still can't replace a financial advisor's judgmentGuest bio:Mark Willis is a Certified Financial Planner and co-author of The Business Fortress, How to Grow, Protect, and Exit Your Business with Confidence. He specializes in Bank On Yourself and infinite banking strategies for business owners and real estate investors.Links:Learn more from Mark and get free chapters of The Business Fortress at kickstartwithmark.com, mention the book title in the form notesWork With RealDealCrewIf you're already closing deals but your intake, follow-up, or visibility feels inconsistent, here are two ways to go deeper:Take the Deal Intake AssessmentSee how resilient your current operation actually is.→ https://assessment.realdealcrew.comBook a Fit CallIf you want to explore what a fully system-driven deal flow looks like, let's talk.→ https://realdealcrew.com/bookLIKE • SHARE • JOIN • REVIEWWebsiteApple PodcastsYouTubeYouTube MusicSpotifyAmazon MusicFacebookTwitterInstagram

In this episode of Dadville, the fellas dive into the chaos of summer parenting. Jon shares the "play-by-play" heartbreak of his daughter's first sleep away camp experience, and Dave recounts a childhood "life of crime" involving a camp nurse and a missing stitch. But it's not all jokes—the guys get vulnerable about aging in the music industry. They discuss what success meant at 30 versus what it means now at 48, the "Blue Button" hypothetical involving Harry Styles, and how to find contentment without losing your ambition. Plus, a hilarious recap of their "glamping" trip in Yellowstone where temperatures dropped to the 40s in a tent. Connect with Dave & John: John McLaughlin: johnmcl.com Dave Barnes: davebarnesmusic.com This episode is sponsored by BetterHelp: Our listeners get 10% off their first month at ⁠⁠⁠⁠⁠http://betterhelp.com/dadville⁠⁠⁠⁠ Shopify - Sign up for your one-dollar-per-month trial and start selling today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://shopify.com/dadville⁠ Boll & Branch - Get 15% off plus free shipping on your first set of sheets at ⁠⁠⁠http://bollandbranch.com/dadville⁠⁠⁠ Exclusions apply. Quince - Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://quince.com/dadville⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 365-day returns, plus free shipping on your order! Learn more about your ad choices. Visit megaphone.fm/adchoices

What's up, everybody? It's Tom Bilyeu here:If you want my help...STARTING a business: join me here at ZERO TO FOUNDER: https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20showSCALING a business: see if you qualify here.: https://tombilyeu.com/callGet my battle-tested strategies and insights delivered weekly to your inbox: sign up here.:https://tombilyeu.com/**********************************************************************If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you.**********************************************************************FOLLOW TOM:Instagram: https://www.instagram.com/tombilyeu/Tik Tok: https://www.tiktok.com/@tombilyeu?lang=enTwitter: https://twitter.com/tombilyeuYouTube: https://www.youtube.com/@TomBilyeuKetone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderPaleovalley: 30 for $36 https://bit.ly/PaleovalleyITOpusClip: Explore Agent Opus at https://agent.opus.pro/exploreIncogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impactTruemed: Check your eligibility and start saving at https://truemed.com/impactEthos: Get a free quote at https://ethos.com/impactQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactNetsuite: Right now, get our free business guide, Demystifying AI, at https://NetSuite.com/TheoryPique: 20% off at https://piquelife.com/impactShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactWelcome to a no holds barred breakdown of the political and economic forces reshaping America right now. In this episode, Drew, Tom, and Ryan dig into the leftward lurch of the Democratic Party, unpacking the DSA wave behind Mamdani's New York sweep and what it means when self-described communists start winning the safest Democratic seats in the country. The conversation traces how populism is fueled by economic anxiety, why both parties keep racing to the extremes, and whether finding the way back to the middle is even possible anymore. From there, they get into the hard economics: why socialist and communist policies historically break the economy, the calorie-storage origin of the social contract, the freeloader problem that sinks societies, and the real fight over wages, corporations, and whether companies like Walmart and Amazon are the villains people think they are. They take on Trump's threat to sic the DOJ on big oil for price gouging, why government price controls always fail, and how the OPEC cartel and regulatory capture are the actual problems behind what you pay at the pump. The discussion turns global with a hard look at USAID, the claim that foreign aid has been quietly funding NGOs and destabilization movements abroad, Japan dumping US treasuries amid its liquidity crisis, and the financial repression playbook Washington may use to inflate its way out of a crushing national debt. They weigh in on Congress voting to curb hostilities with Iran and what it means for negotiating power. Finally, the episode goes deep on one of the most important debates of the next decade: a Michigan city council banning the pride flag, Muslim immigration and assimilation, whether Islam has had its reformation, separation of church and state, and the candid clash over whether America is truly a Christian nation or simply shaped by Christian values. Whether you're here for sharp political analysis, hard economic truth, or a deeper look at the values shaping society, this episode offers a nuanced, unflinching take on how today's choices will define tomorrow.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Your tax dollars paid for gain-of-function labs. Is Dome running for President again? In today's Democrat party, even the moderates have to be radical.Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Episode 5441: Tulsi Gabbard Releases Evidence Of US Funded Biolabs