Podcasts about Hail Mary

THURSDAY TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing two songs from musical artist Eva Humminbird Experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the luminous mysteries, recited on Thursdays.  These mysteries focus on Jesus' public ministry, including his baptism and the institution of the Eucharist, with fruits such as openness to the Holy Spirit and adoration. Join the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - LUMINOUS THURSDAY - SPOKEN ONLY https://youtu.be/3FsR8I6WiTs SPOKEN ONLY VERSION: Thursday Rosary - SPOKEN ONLY https://youtu.be/S6fNrAPjf2M MOST VIEWED THURSDAY ROSARY: Calm Music    https://youtu.be/73Z7rRx6dnM MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #LuminousMysteries #CatholicMeditation #ThursdayRosary #todayrosary #todayrosaryinenglish

Kiera is joined by Alexis Gallati, founder and lead tax strategist at Cerebral Tax Advisors, to talk about tax strategy not just for 2025 success, but 2026 and beyond. They discuss asking your CPA the right questions, shifting income from your higher tax bracket down, the Augusta rule, and a ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and today I am super jazzed. I have an incredible guest joining us on the podcast today ⁓ to talk about last minute tax strategies before April 15th. Like why not? I mean, hey, maybe you were like, you're not the early bird. You were like, shoot, I forgot. Like what things can I do? And so I'm super excited. Alexis Gallati, she reached out to us. ⁓ She is founder and lead tax strategist at Cerebral Tax Advisors.   Ansari Real Wealth Academy. And I was so excited about this topic because I know you guys know I love to geek out about this and I have it on my vision board of tax expert ahead. Like I hate taxes. I love taxes. I believe that taxes are such a beautiful way for us to pay to be in this incredible country. But you better believe I don't want to pay a penny more than I need to. So really figuring that out just a little bit about her is she is got a dual master's degree in business administration and taxation, which is super rad because   Let's be real, she gets the business side of it. She gets the taxation and we were chatting before and she was like, what people make like their top line revenue versus their take home pay are two different things. And I was like, amen sister, preach on. She's enrolled agent, NTPI fellow and certified tax strategist. She also is the author of advanced tax planning for medical professionals. She specializes in high level strategic tax planning and multi-state tax preparation for healthcare professionals and business owners. She's raised in a family of physicians and married to one.   She empathizes with the financial challenges medical professionals face. This personal connection inspired her to create accessible, unbiased tax solutions tailored to their busy lives. Driven by passion and guided by cerebral thinking, Alexis forms Cerebral to help professionals keep more of their hard earned money. Amen sister. That's what we want. That's why you're here. Their approach breaks the mold of traditional financial advice, offering a unique perspective for medical professionals and business owners. So while yes, she's not 1000 % dental guys were in the healthcare world and she's so brilliant. So Alexis, welcome to the show today. How are you?   Alexis Gallati (01:54) Thank you so much for having me. I'm doing very well. Hope you had a wonderful holiday season.   The Dental A Team (01:58) Yes, likewise. And I was so excited when I heard that you would be a guest on our podcast. I geek out about this, Alexis, I know it's like our first day meeting, but ⁓ I just think the world of tax is such the game of monopoly. And I'm like, if you would have just told me that rule, I could have played and won the game better. But I feel like it's always as ever changing, ever evolving. And I know there were some big things that happened in 2025 that are impacting like our our taxes. And so, yeah, definitely a timely and   exciting podcast to throw out there. So Alexis, I know I gave you a very welcomed ⁓ bio and intro, but yeah, tell us a little bit about who is Alexis. You're married to a physician. You're in this world of tag. How does one become obsessive about CPA? I'm truly just curious. How do you like, how does this happen? How did you become this?   Alexis Gallati (02:49) Yeah, so I love law and I love money. And so when I was in undergrad, I took a tax and accounting class and loved more the tax side than the accounting side, I do admit. And so after meeting my husband in college and us starting to go through that full medical journey, was about a year and a half out from him.   The Dental A Team (02:54) you   Alexis Gallati (03:18) from him finishing his residency. And I really saw the writing on the wall. Even at that time, with him being in residency, about four months of his salary was going towards taxes. And I was like, that's not right. That's not right. With   The Dental A Team (03:36) No.   Alexis Gallati (03:38) hard he works and how hard   medical community works in general. ⁓ my gosh, that's not right. So that's when I really dedicated myself to   finding out, why do the Warren Buffets and the Bill Gates of the world have this really low to sometimes non-existent tax bracket? And I really dove into that tax planning. ⁓ And so, you know, what's very unique about, ⁓ you know, the way that I work and my business is that my husband and I are in the same exact position as majority of our clients. And so, yes, I'm looking for   strategies for my clients, but I'm also looking for those strategies for myself.   The Dental A Team (04:19) You're like, hey,   it's me. I'm going to help myself out. I'm very motivated to do this.   Alexis Gallati (04:25) Very motivated. And I love it. I love it. It's like you said, it's ⁓ Congress keeps us on our toes, changing the laws consistently year after year. ⁓ it's like a puzzle. Like, hey, how can I just keep more of what I'm earning?   The Dental A Team (04:43) Yeah, and I, this is what I get obsessed about. what I learned, gosh, it's like, I was so naive when I started the company. was like, marketing is marketing. I just need to hire a marketer they can do everything. And then I was like, oh, there's a content marketer. There's a copywriter marketer. There's a strategist. There's a growth marketer. There's like an AEO marketer now. There's an SEO. Like you guys, this thing is like a web. They're a content marketer. And then I started realizing it's similar to CPAs and financial planners that like,   I thought you hire a CPA, Alexis. Like I'm so naive to business. I'm shocked that I've made it this far. Like truly I'm proud of like the journey we've been on, but like not all CPAs are created equal. And then I realized like CPAs play by different rules. Like it's the same rule, but there's shades of gray. They're how comfortable are you with this and how uncomfortable are you with it? Like there's one CPA that told me like, here, you can totally go skiing in Tahoe. Just like put your logo on your skis and you can totally ride it off and like put your logo on your boat and you can ride it off.   And then there's like the Alexis of the world was like, oh, hard pass. No, you're going to like totally get flagged. But I'm like, what rule is right? And so I realized that there are, like you said, tax strategy and for higher wealth earners. I do believe that there's a game, like you said, how did the Warren Buffett's, how did the Bill Gates, like they're not paying this. And then you get into the real estate game and you get into all these other things. You're like, how can we do this? And so Alexis, I'm just jazz. This is me being nerdy. And I'm going to ask you a bajillion questions and I can't wait.   to learn. So let's kind of talk about most of your clients, what's the size of take home net pay that they do. So that way we know like what brackets were in. So that way right clients come to you. I also learned not all financial advisors take all people. I was like, I make 30 grand. They're like, great. So we're going to help you out just a little bit. And then like, when you get to this level, we'll chat with you. ⁓ tell us kind of that. And then let's dig into how do we keep more money, Alexis, legally.   Alexis Gallati (06:10) I love it.   The Dental A Team (06:39) I'm here for legal advice. I'm willing to go gray, but not go to jail. So that's my line. So as long as we're on the same page, I think we are, I'm here for it.   Alexis Gallati (06:40) Yes.   Definitely, yeah. I am more than happy to play in the gray areas. We just have to feel comfortable defending it in an audit. And so that's our line in the sand. ⁓ But yeah.   The Dental A Team (06:55) Mm-hmm.   She's like, this is why I went to law guys. This is why I like the law side and the CPA.   I like it. I like your style. It's so unique and I just am excited. So, okay, I'm ready.   Alexis Gallati (07:07) Yeah.   Yeah. at Cerebral, we work with those that earn at minimum $400,000 per year in taxable income. So we have lots of businesses, which by the way, 99.9 % of our clients are medical professionals. I think we have like maybe two clients that have zero ties to the medical industry. And so the practices we work with, you know,   generally range from anywhere from maybe about $700,000 in gross revenue all the way up to eight figures. So we tend to not work with those that are larger practices, that usually over 50 employees. And that's just because once you get above 50 employees, yeah, it changes quite a bit. So we're definitely in there with those smaller to medium sized practices.   The Dental A Team (07:56) Tax co-changes. Yep.   Amazing. No, that's super helpful. And I know we were talking before, like the average of your clients, about 700,000 like net pay is typical where you guys are at. You have some that are higher, but that minimum of 400,000, which is great because I do think that there are thresholds. ⁓ And I did learn through going through business that who Kiera needed as a tax support and advisor when I was in that 30,000 range compare and as a business owner, I thought it was so funny.   Gosh, taxes, like they hurt so bad sometimes. Like, whoa, easy come, easy go. Like I've never, I've always been a W-2. So that was such a fascinating world for me. But yeah, let's dig into some of the things you've seen for the medical world. Cause I know I have friends that were physicians and they're really big on real estate. And like I took the real estate Kool-Aid and I'm just like, is this really real? There's gotta be easier ways than doing this. And so I'm just jazzed to kind of go through what are some of the things we can do now before April 15th.   What are things that we can do even past April 15th to set us up for great success for 2026? So Alexis, this is your show. I'm just excited, kind of riffed us through it. Of course, I'm gonna geek out and ask probably about way more questions than you care to even be asked, but I'm really excited to learn more today.   Alexis Gallati (09:20) Yeah, great. Well, yeah, I hate to be a little bit of a Debbie Downer in the beginning and that when your past December 31st, ⁓ the number of tax strategies that are available to you are before you actually go to file your tax return are limited. It's just the nature of the code.   The Dental A Team (09:37) I agree. was super, when you were   like, what are the tech? I was like, I want to know because most of the times like when the clock strikes midnight on December 31st, it's like game over and we start again. But yes, which is why I want to know what are like the small ones, but then also Alexis like, let's set our listeners up for like, what things can they do this year to be better prepared for it in conjunction? So yes, before April 15th, but selfishly I want to know what else can I do this year that maybe I haven't thought of.   Alexis Gallati (09:52) Yeah.   you   The Dental A Team (10:06) because the clock hasn't struck midnight in 2026. So like we've got time. So yeah, for 2025 filing, but also for 2026 as well.   Alexis Gallati (10:09) Yeah.   Yeah, so let's talk about 2025 filing first. Especially if you're a business owner, there are actually a number of things that you could still put together for yourself that can impact your 2025 financials. ⁓ So even basic things like if you haven't been taking advantage of your home office deduction or ⁓ vehicle expenses ⁓ and unreimbursed business expenses. So those are expenses that you paid   personally, but our business expenses. So all of those items, you can still go and report on your 2025 return. So if you haven't taken the time to sit down and say, how much should I pay in my home utilities or insurance, repairs, et cetera, and take the percentage. So let's say your home office is 7%.   of your total square footage of your home. Well, then you can write off 7 % of your home expenses on your taxes. the treatment's a little bit different depending upon if you're a sole proprietorship or an S corporation. But in general, you still have that time to take advantage of that. And a lot of you might be like, oh, Alexis, it's such a little amount. I don't even know if it's worth it. Believe me.   All these little things can really add up together. And easily, I usually see between $10,000 to $20,000 of really ⁓ easy to grab savings for yourself if you just take even a few hours to gather all the information. ⁓ And you can even use ⁓ personal financial apps like Monarch Money or You Need a Budget, things like that to help.   organize that information for you throughout the year so it's a little more automated.   The Dental A Team (12:10) Yeah, that's amazing. I do love the YNAB. You're throwing me back to like pharmacy school days of you need a budget. I was like, oh my gosh, got to answer this every time. They have updated so much, but I love that you said like 10 to 20 grand, I think is worthwhile, but more than it being pennies or dollars, I think it's the discipline of having it prepared for next year too. So that way we don't, I think it's like, well, it might not be enough this year, but I'm like, you take that this year and we compound over the next year and the next year and the next year. I think these little things to me at least,   Alexis Gallati (12:15) Ha ha ha.   The Dental A Team (12:41) Like I said, it's their game of monopoly. And I'm like, okay, maybe I didn't get it that time, but I'm going to take that rule and I'm going to apply it this year and the next year and the next year. So I'm even taking notes over here, guys. So Alexis, if you see me, I'm writing it like, okay, I'm going to check in on that, check in on that. So make sure, make sure that they're being taken into consideration because I don't prep my own taxes. I don't even know half the stuff. Like they just tell me. So I also think being a good steward as well and always double checking your CPA to make sure like, are we maximizing every deduction we can?   Alexis Gallati (12:53) Good, I like it.   Of course.   Yeah. And being proactive is like you said, the number one thing because the IRS can deny deduction if you don't have that itemized receipt or you don't have the proper documentation. And 99 % of any fight with the IRS is that documentation. And I did a three year fellowship in IRS representation. So I'm obviously very focused on that tax savings, but also very focused on making sure   that everything's set up properly. So if the IRS were to challenge it or even the state, you're in good hands. then that way, you can just give them the stuff and say, go away.   The Dental A Team (13:51) Exactly. And I heard somebody once tell me, they're like, Kiera, it's not a matter of if I'll be audited, it's when. Like every business will most likely be audited at some point. I hope and pray like we're not. I think about that a lot of like cross my T's, dot my I's, make sure that I'm constantly trying to be compliant with things. But your wealth of knowledge on that Alexis of what things and how to become, I mean, shoot three years of IRS. Girl, you got my vote. That's impressive. And like love the love the authority piece that you're bringing to our podcast today.   Alexis Gallati (14:20) Thank you. Thank you. So some other things that you're able to do before you file that tax return, and this is a big one, is retirement. So you actually have until the filing of a tax return, and that includes extensions. So for example, if you're an S corporation or a partnership, have the original due date, which is March 15th, or the extended due date, which is September 15th, to go and   open and fund that retirement plan. So if you have employees, it can get obviously a little bit more complicated, but you still are able to do it and ⁓ do that employer contribution. And that's obviously really one of the lower hanging fruits when it comes to not only tax savings, but also wealth generation.   The Dental A Team (15:12) Yeah, no, I love that. That's a great idea. And I think a lot of people miss that. And again, CPAs, tax strategists, wealth advisors, they're all playing in their own lanes, but how can we make sure all of them are maximizing together? Because you as a human are trying to build that wealth. So I love that.   Alexis Gallati (15:30) Yeah. And don't forget as well, you know, kind of in the same vein as retirement is that health savings account. So if you had a high deductible plan throughout the year, but maybe your employer didn't actually provide a ⁓ health savings account, like so if you're a W-2, for example, or even if you're self-employed, you can still go open up your   own Health Savings account through, I think Fidelity has some, ⁓ Optum Bank, HSA Bank. So there's a whole bunch of different providers out there. can just Google and find the provider that works best for you.   The Dental A Team (16:07) Interesting. And I know like I just wrote that down because a lot of dentists don't have HSA. Like we are the providers for it. But hearing that that might even be a resource to attract people into your business if you were able to like, don't necessarily provide it, but these are some companies that we could help our employees get if they wanted to have an HSA because I know that that's something that my husband works at a hospital. So there's an HSA there, but as sole proprietors and S-Corps, a lot of times they aren't provided. That's actually really like, I think just a great tool and resource to   possibly provide to our employees, depending upon what it looks like for your business.   Alexis Gallati (16:40) Yeah, definitely. And then one other thing that you ⁓ may be able to do, depending upon your state, ⁓ to help with state taxes, is go and contribute to a 529 plan, which is for education for yourself or other dependent. And some states like Georgia, Indiana, Michigan, South Carolina, there's a number of them. They allow you to make that contribution all the way up to the   filing of the tax return.   The Dental A Team (17:13) Interesting. I did not know that I wrote that down. That's fascinating. I love this. This is like so fun. Keep going.   Alexis Gallati (17:20) Yeah. Yeah. So that, you know, is, a good, especially for, you know, higher earners. ⁓ that's kind of a good summary of what you can be doing before this, ⁓ April 15th or even the extended due date as well. ⁓ but when you start looking into 2026, who, that book, that book opens up, there is.   The Dental A Team (17:39) It does, right? It's like the   monopoly Bible. Like it's so big. Like how do I play the game of taxes? So I truly, and I think like for all the listeners, like the home office, the HSA, ⁓ retirement, the 529 plan, like there's still time. So go look at those things. And even if you can't contribute or do those things now, having that set up for next year, like, Alexis, truly, I'm like, I'm getting the popcorn. I'm getting my notepad. Like,   I am so excited because half these things I haven't heard of. And so it's very fun to just hear different perspectives. And I do love that you've got a legal background too. I love that you're in IRS. I love that you're in medicine and healthcare and like for your own personal savings too. It's like you're the Nancy Drew of like, how can I do the most amount through all of this? It's a very fascinating perspective you bring today.   Alexis Gallati (18:27) thank you. I appreciate that. yeah, when obviously when you are a W-2 employee still that your options are not as open for those that have a business. But ⁓ besides obviously retirement HSA that you can do all year, one thing that a lot of W-2 employees forget is to actually check with your employer to see what their reimbursement policy looks like.   The Dental A Team (18:29) course.   Alexis Gallati (18:55) because if you're maybe in a private practice with a large group, and I mean, these could even be groups that have sometimes hundreds of physicians in it, or even if it's just a hospital system, they'll have actually pretty generous reimbursement policies for things like your CME, your new loops, or going and   doing your mileage in between different hospitals or clinics, things like that. So making sure that you are keeping track of those things. Obviously, if you're a business owner, you definitely want to keep track of those. But some of my favorite for those that own their own practices, my absolute favorite is hiring your kids.   The Dental A Team (19:36) Of course, yeah.   Alexis Gallati (19:48) It seems so basic, but believe me, there are definitely steps in place that have to be done in order to make sure they ⁓ qualify. for me, the ⁓ court tested age is seven. So I usually don't recommend my clients going and hiring their kids until they're at least that age. You can do it younger, but the old my kids are models strategy is kind of ⁓ antiquated now just because ⁓   everybody has these great cameras now on their phones. And so it's kind of devalued, being a model ⁓ for those that aren't professionals basically. ⁓ But that's a really great way to shift income from your higher tax bracket down to their non-existent tax bracket.   The Dental A Team (20:21) Totally.   Right?   Alexis Gallati (20:40) and you can then put that money into a Roth IRA for them. And if you do that, let's say over like a 10 year period in 2026, that amount is 7,500 is the max you can put in. They're easily, by the time they're age 65, gonna have at least 2 million plus dollars in savings. So it's a really great way to create a legacy for your kids and give them a little headstart.   The Dental A Team (20:48) Mm-hmm.   Yeah, that's amazing. And I think so many people are like, I don't know how to help my kids with college or different things like that. And it's like, these are great ways to prepare them for the future for when they retire for things like that. I mean, how awesome I know a couple of ⁓ doctors because   The bulk of our audience, Alexis, are not W-2 earners. They are self-employed, like dental practice owners. ⁓ But I know that there were several that didn't tell their kids that they had done this for them. And then the surprise when they graduated college of, we've been putting this into place for you. I mean, shoot, that money's going to go to the government or to your kids. Why not invest in your children? You're going to pay that money regardless. So ⁓ definitely think that that's such a brilliant idea. And I've heard people, they're like,   their real job, like they have to have a real job. They're like a paper shredder. Like they like literally shred the paper or they open the mail or they like pick out the cards or they pick out the toys for the prize boxes, like actual legit jobs that they employ them for. But I think what an amazing gift and legacy to give your kids as well.   Alexis Gallati (21:51) they   Yeah, exactly. All four of my children are, obviously cerebral isn't a dental practice, but they're hired through cerebral. So that way they are earning enough to put that money into their Roth IRA. ⁓ And a lot of ⁓ my clients are like, man, I don't know what my kids can do. And like you said, there's a lot of admin work that they can do. Even a seven-year-old can.   like you said, shred paper, stamp envelopes. They can help with doing their ABCs and filing things away if you're an older ⁓ practice owner and they have ⁓ still the paper file system. ⁓ yeah, it really is a wonderful way to not only teach responsibility, but also to save. ⁓ I highly recommend ⁓ doing that. And even if you have parents that you financially support, you could even   The Dental A Team (22:45) Yeah.   Yeah.   Alexis Gallati (23:02) go and hire your parents through your practice ⁓ and write off their support. Of course, again, they need to also have a legitimate job in the business. with parents, you have to be careful if they have any benefits like social security or Medicare. Then you just want to make sure that you're not pushing them out of those benefits because of their income ⁓ or making any part of their social security taxable. So that takes a little bit more. ⁓   finesse than hiring a child.   The Dental A Team (23:36) No, that's great. That's a really good idea too, because I hadn't thought about parents. I have heard about children, but you're right, parents are retired. And if there's ways that you can support and give back rather than like, again, I love the government. I am happy to pay taxes, but if there's ways that I can support my own family, ⁓ I think it's great because I'm going to pay that money anyway, but paying it to people that I love and care about is really a great idea.   Alexis Gallati (24:00) Yeah. Another popular one I'm sure that you've seen on TikTok or other social media is the Augusta rule. ⁓ and this is where you're renting your home to your business. ⁓ and this is perfect example where documentation is absolutely critical. ⁓ but basically what happens is you rent your home to your business for 14 days or less. Those days do not have to be consecutive and your business gets to   The Dental A Team (24:07) Mm-hmm.   Alexis Gallati (24:28) right off the cost of that rent. So obviously lowers your taxes. But then you as the individual do not have to pay tax on that rental income. Now, if you do it for 15 days and you've ruined the strategy and you have to pay tax on all 15 days. So that's really important you do 14 days or less. But this is again a really great way if you have monthly board meetings, that's 12 days right there.   Or if you have employee parties, if you have colleagues over in discussing business, though, as long as you have a rental agreement in place between yourself and your business, and you document through meeting minutes everything that occurred during that event, then that is the documentation that the IRS would need in order to substantiate that.   strategy. And obviously a reasonable rental rate as well.   The Dental A Team (25:27) Yeah, no, didn't realize,   I did not realize that you needed a rental agreement. Can you expand more on that? like we check all the Airbnb's and the VRBO's in the area to see what does our house actually go for and like keep that documented every single year and then have an actual agenda and like have it in the calendar. So it's in our Google calendar. It's got an agenda. It's got a PDF didn't attach. But how does the rental agreement work? like, yeah, how do you, I didn't realize that that was a necessary piece to it.   Alexis Gallati (25:57) Yeah, so you can even just use ChatGPT to create it. ⁓ But essentially what you do is it's just that agreement between the business and personal. So ⁓ you just want to think about it like any other rental that you would do. If you were to go to a conference room in a hotel, for example, or go rent that Airbnb, you're going to be signing some sort of agreement saying that this can happen.   that this event can happen on this date. ⁓ you can either do one agreement for the entire year, spelling out like, here are the days that we're going to be doing these things, ⁓ or you can have an agreement for each time that it happens.   The Dental A Team (26:43) Very cool. That's super helpful. Yeah, I do love the addresses for all anything people. And I mean, I've had CPAs and like, don't go crazy. Like that's where I say like check Airbnb, check VRBO like what you think your house is worth versus what market value says your house is worth. Like, let's make sure that we are accurate on that. But yeah, that's definitely an amazing one that I think is great for offices to surely do.   Alexis Gallati (26:51) Yes.   Yep. Go and get two to three comps. So then that way can just take an average. I feel like that's a very safe way to, ⁓ show reasonableness. You're not just like, Hey, I'm taking the highest one on the block. You know, it's taking a few of them.   The Dental A Team (27:21) Totally. No, definitely agree. I love that. Okay, Alexis, what other ideas? know we're, I'm like just like sitting here. I'm like, I love this writing it down. Great ideas. What are some of the ones that like, yeah, anything else that's going to save us? Um, because like taxes are taxes and we are going to pay them, but like, what else can we do to, like you said, Bill Gates or, um, like Warren Buffett, what are the things that you found for like these higher net worth earners? Like, do they need to get into real estate and like use the big, beautiful tax bill or like,   Alexis Gallati (27:23) Yeah.   Okay.   The Dental A Team (27:50) anything else that you've seen that like really moves the noodles or is like, no, just the small consistent things are really going to help them out.   Alexis Gallati (27:57) Yes, well, they all help out. ⁓ But if you are looking for more of that, hey, Alexis, what's like Hail Mary that I can be doing to act to really save? ⁓ You can look at real estate. ⁓ That could be a whole podcast by itself. ⁓ But in general, you you tend to ⁓ get into real estate when you're not talking about like reets or things I can do through the stock market.   The Dental A Team (28:14) Right.   Alexis Gallati (28:26) ⁓ You're either doing like real estate syndications, ⁓ direct ownership, like long-term rentals or short-term rentals. And ⁓ each of those are treated differently and have different ways of making that ⁓ a tax deduction for yourself. So when it comes to, in general, ⁓ real estate syndications, this is where you're   The Dental A Team (28:49) Mm-hmm.   Alexis Gallati (28:54) buying into a partnership that maybe owns an office building. And you go in with other partners and ⁓ it's syndicated. So it's very passive. There's no way for you to write off any losses in that current year. ⁓ When it comes to direct ownership, the IRS basically says, hey, that real estate is considered passive unless you have real estate professional status or you do that short-term rental   deduction or excuse me, short-term rental exclusion. And so what ⁓ happens if you can qualify for the short-term rental exclusion or real estate professional status is that those what would have been passive losses that you can't use against your current income will be considered active losses. And then you can use it against your   active income, when I say active income, things like your W-2 or your business. So you're getting a current year deduction from that. And you can do cost segregation study to help accelerate depreciation. ⁓ So this is very, very much in the nutshell sort of explanation. ⁓ But it can really be a great way to lower your taxes if   The Dental A Team (29:57) Mm-hmm.   Yeah.   Alexis Gallati (30:16) you essentially want a second job. Just know that real estate is not as passive as the social media gurus go and ⁓ try to glamorize. It really does take a lot of extra work. You want to make sure that you are following the rules properly so that you can get that tax benefit in the current year. ⁓ But if you   The Dental A Team (30:19) Yeah.   Alexis Gallati (30:41) do have that prerogative and you want to learn and get do things properly, then it can really save you quite a bit of money.   The Dental A Team (30:48) Yeah. Are there any other things, Alexis, that are like real estate that save that much but don't require that much work? I'm asking you for the weight loss drug of taxes, please. What's our easiest way with the most amount of bang for buck that you've seen? These are the big hits that if you want, because agreed, real estate's great. If you do that short-term thing, but it is a lot of work. With the big, beautiful tax bill that came through, that 100 % depreciation is pretty fantastic. But like you said,   Alexis Gallati (30:54) Yes.   Mm-hmm.   The Dental A Team (31:17) got to have it rented out, you got to have the pieces, you got to like reno it like there are and you have to have it done by the end of the year and like it's a stressful zone. ⁓ So are there other things that you've seen that might be like 50 or 100 or 200,000 off taxes that aren't necessary real estate? The Augustus one, yes. Like paying people, there's things but is there anything else you've found that are like some of those bigger chunks that maybe people don't think about they don't recognize? Yes of course they're going to take a little bit more work but...   Alexis Gallati (31:17) You gotta work for it.   The Dental A Team (31:45) that you found that could be benefits to our audience.   Alexis Gallati (31:48) OK, so let's talk about my Hail Mary for tax savings. I   love this one towards the end of the year because you're going to want to know, have a good idea of where your tax situation is going to end up. So I use this a lot for year end planning. And this is oil and gas. When you ⁓ invest in oil and gas, again, just like with real estate, there's a lot of different options.   But my favorite is our drilling funds and this is where you invest in a partnership that owns oil and gas wells and these this allows you in that first year to Essentially write off usually somewhere between 80 to 95 percent of the investment that you've put in So let's say you invest a hundred thousand dollars Then you're getting about and let's say conservatively an eighty thousand dollar deduction that can go a   against your ordinary income. So if you're W2 or your business. usually, a good rule of thumb is that, let's say, if you're putting in $100,000, you're saving $30,000 in tax. You're putting in $200,000, you're saving $60,000 in tax. And then after year one, you're earning overall, during the life of the investment, about a 2x   The Dental A Team (33:10) Bye.   Alexis Gallati (33:11) you put   100,000, you're getting about 200,000 back. And so it's considered a very conservative investment. And just because the length of the investment, and this is one of the cons of it, is that it's usually about a 10 to 12 year period. So it's generally only about a 7 % return on investment over the life of the investment. the great thing about it is that   you let's say if you did put in that hundred thousand, you're getting that 30,000 in savings, and then you can go put that into something else that will earn you even more money. So then this is something that you can do every single year. And, you know, just depends on how much money you want to save and so that how much you put in for that investment.   The Dental A Team (33:57) Gosh, that's such a good one. And these are things of like just fun, like tips and topics. Like I said, it's the rules of monopoly. I caught like, how do we play tax strategy better? Alexis, what are any like resources? I feel like you guys have some resources. Like I feel the world of tax is so daunting. And so it's like, we hear from podcasts and we hear snippets and we see TikTok and it's like real estate games. like, where do people go if they like want to dig a little bit deeper and really become like more tax expert and more tax savvy and.   like tax strategy, like what are any resources you found or ways for people just to become a little bit more literate in the tax world.   Alexis Gallati (34:33) Yes, so ⁓ of course I'm to do a little shameful plug. My book, The ⁓ Advanced Tax Strategies for Medical Professionals, it's really just that it's a brain dump of all different types of strategies, whether it's for your business or W-2 only, charitable, these alternative investments. And so it's really a space.   The Dental A Team (34:36) as you should.   Alexis Gallati (34:58) for readers to learn more about their options. So then that was the way they can go online and do more research or bring it to their current advisor. So, you know, it's just about opening those possibilities. Otherwise, you know, one resource that is really great for especially medical professionals is the White Coat Investor that Dr. Dali, he has a wonderful, wonderful site and he puts out really good material.   The Dental A Team (35:11) Yeah.   Alexis Gallati (35:25) when it comes to not only taxes, but also for ⁓ just finances in general. And then, of course, on ⁓ CerebralTaxAdvisors.com, our website has wonderful ⁓ material that I put out all the time. There's lots of goodies there, as well as ⁓ different resources and worksheets and stuff like that.   The Dental A Team (35:52) Yeah, no, that's super helpful.   But Alexis, what do you find ⁓ as you go through this? Like one, how often are you meeting with your clients? Because I feel like so many CPAs and tax strategists meet with them in like December 1st and they're like, hey, you owe this much money. Is that how you guys plan? Like how should tax planning actually work?   or is that normal? Like I'm just trying to find a vibe of how this should work in the industry.   Alexis Gallati (36:15) Yeah.   Yeah. So when a medical professional first starts working with us, I design a tax plan for them. And that's really critical because right then and there, OK, what can we be doing to dramatically lower your taxes, legally, of course, and set you up for success? And then we meet with our clients at minimum twice a year. So we do a mid-year tax projection and a year-end tax projection.   The Dental A Team (36:34) course.   Alexis Gallati (36:45) And especially with medical professionals, your income is so variable throughout the year, depending upon insurance reimbursements or seasonality and things like that. And so we really want to make sure that we have a good, clear understanding, good six plus months in advance. Hey, what are you going to be owing tax wise? What does cash flow look like? What quarterly estimated payments do you need to make?   All of these things should not be a surprise. So that's why when I built Cerebral in the packages we have, I was really focused around how do we eliminate those surprises.   The Dental A Team (37:23) Yeah, no, I love that. that's super helpful because I feel like so many just wait till December and it's like, no, like there's things I could have been doing and if I would have known. So that's super helpful. And then I think the other question is like, okay, you guys are tax strategy. Are you CPA? Are you bookkeeping? Like kind of differentiate. Are you in the financial advisor world? Like what specifically would we say I need you for XYZ, but I'm going to need these people again, like marketing, right? Like what facet of my wealth management are you?   and who do I need paired with you?   Alexis Gallati (37:54) Yep, so we are your tax compliance, tax planning, your bookkeeping, and CFO services, and also business advising as well. So we're able to set up entities for you ⁓ as well as provide ⁓ just a lot of the years and years of experience that we have in running businesses and seeing different types of practices, et cetera. ⁓ We are not investment advisors, so we won't   say, buy Coca-Cola versus Pepsi. But we will introduce you to different investments that have tax benefits. And one very unique quality of Cerebral that's very different from other firms is that we do not take any commissions or kickbacks on any strategies we recommend or vendors we recommend. And we don't sell any products. So we're very education-based. I'm very focused on   you understanding your options so you can make a educated decision on what you want to move forward with. And then we are a white glove done for you firm that will implement those strategies on your behalf and make sure they're reported properly on your tax returns. Because that's what we've found being in this industry, especially specializing in medical professionals, is there's a lot of people out there that know about these strategies.   but they do not know how to implement them properly. And that honestly is 80 % of the fight when it comes to doing any of these strategies.   The Dental A Team (39:26) Yeah, no, that's incredible. So, and again, this is just like naiveness on my side. Do I need a CPA or are you guys the replacement of a CPA?   Alexis Gallati (39:35) Yeah, we're the replacement of CPA. We are CPAs. We are EAs. So we are taking care of your tax preparation, so personal and business. We do it all. I try to keep these packages as comprehensive as possible because I hate being nickel and dined. communication's a top priority for us. And so we don't want our clients to hesitate whatsoever to connect with us. And so that's why we don't.   The Dental A Team (39:56) Totally.   Amazing.   Alexis Gallati (40:05) shot like I, my gosh, I just got like a bill from my attorney the other day and it was for stuff that I talked to him about like in August. I'm like, I hate those pop-up bills. So that's yeah, that's, why I try to make it as comprehensive as possible.   The Dental A Team (40:10) Yep.   Right.   Awesome.   No, that's fantastic. That's really helpful. And I know a lot of people are very nervous to switch from their CPA. CPAs, feel like we're so embedded and we trust them with our souls. Truly, I see this. ⁓ So is there complementary calls we have with you? how do we start with that? Because I know, honestly, untangling from a CPA is such a pain. It is so annoying. so ⁓ how does that process work if people want to work with you, Alexis?   Alexis Gallati (40:46) So the best thing you can do is go to our website and go to the contact page. And you will ⁓ go through a very quick questionnaire to make sure that you're a good fit for us, because we also want to make sure we're a good fit for you. And we will ⁓ have a tax discovery session. And during that session, we will. We'll talk about what your needs are and what it's like to work with us. ⁓ I'm very focused on that return on investment. We actually have a guarantee.   with the design of our plans that I will save you at least two times what you pay us in ⁓ tax savings or you get the plan for free. And on average, our clients actually achieve 4.5 multiple with the design of our plans. So again, it doesn't make sense for us to work together if I can't save you more than what you're paying us.   The Dental A Team (41:39) That's amazing. No, that's incredible. And that's a great guarantee. And ⁓ then let's say hypothetical, we do get audited. How often do you guys go through audits and like success rate? Like I'm imagining if you were three years in IRS, you're probably pretty fantastic at that. But these are always things that I'm just curious. Like how does that work? And how often are your clients audited? And like, how is your success rate on that? And if you don't want to share this, I hope you do. We're just going to go for it. Like, yeah, I'm just going to ask the weird questions. Why not?   Alexis Gallati (42:01) Yeah.   I love the weird questions. They're the best. So yeah, that's one thing I can never guarantee that you won't be audited because of course there are always random audits that happen. We've only had three audits since I started Cerebral over 10 years ago. In 2014, I started Cerebral. ⁓ And ⁓ one of them was for the mortgage interest deduction. there's a limitation in that.   The Dental A Team (42:18) It's incredible.   Alexis Gallati (42:28) Um, and that was just, unfortunately, a client had not provided the correct information. And so we were easily able to just change it and be on our way. Um, and then another two were regarding actually real estate professional status. And that was just New York state saying, Hey, like we don't, we don't think that you're actually qualified for this. we're like, Oh, yeah, we do. Here's the paperwork. And they're like, Oh, okay. See you later. So yeah.   The Dental A Team (42:50) Yeah.   That's amazing.   That's a huge thing. And I'm so glad I asked the question because I think for me, that's something I'm curious on of like, I get it. Like you said, you can't guarantee that, but as long as you back in, do you guys charge extra for those audits or is that part of the plan? Like, nope, we stand behind it. Like, how does that work? Cause I know there's some firms that I have chatted with and if we do get audited, it's like 375 an hour for the audit. And I'm like, okay, like I'll just plan for that. But how does that work for you guys?   Alexis Gallati (43:18) Yep, so we back up all of our work and all of our packages. If you do receive a notice for anything that we prepare, you send it to us and we help you take care of it. So yeah, we 100 % back up our work. If you come start working with us and you have some a notice from a year that we didn't handle, like we didn't prepare, we'll still help you handle it. But that would be just.   at our hourly rate, depending upon the extensiveness of the notice. But to go back to your original question about making that change, I 100 % get it, especially if you've been with somebody for so long. And so you just have to look at that cost benefit and see, hey, staying with this person, how much is that costing me in tax savings versus   The Dental A Team (44:01) Right.   Alexis Gallati (44:12) going with somebody like cerebral and we try to go and make that process as seamless as possible when it comes to getting ⁓ up to date in your history and then ⁓ getting access to your bookkeeping and getting your tax returns. ⁓ And so, because I completely understand it can be daunting, but. ⁓   Happy to have a conversation around it when we meet about the discovery session and to see if it's something you'd want to move forward with.   The Dental A Team (44:43) Amazing. Alexis, has been such a great podcast and I just love meeting great individuals. I love how much you have a passion for the law and for the tax wealth and it's your own life and your own livelihood. So if people want to reach out, I know you said it before, how do they connect with you? So yeah, they can get started if they're interested.   Alexis Gallati (45:01) Yeah. So you can Google us or just go to CerebralTaxAdvisors.com. And which by the way, the reason why I have cerebral is because my husband is a private practice neurosurgeon and my dad's a retired private practice neurologist. hence cerebral in the brain. So if y'all can remember. But yeah, so CerebralTaxAdvisors.com is the best way to get a hold of us.   The Dental A Team (45:14) There you go.   I love it. Yeah.   Alexis Gallati (45:27) ⁓ And I look forward to potentially talking with y'all.   The Dental A Team (45:32) Well, Alexis, thank you so much for this. And for all of you listening, I hope you take advantage between now and April 15th. I hope you just like have a conversation. I'm always pro. I love CPAs. My CPA listens to this podcast and I'm always interested in meeting new people like Alexis, chatting with them. Are there different ways that they can benefit me? Because yes, I love my CPA, but I love more than that saving money and learning new strategies that maybe I didn't know about. So Alexis, I really hope a lot of them reach out to you, connect with you and for   All of you listening, thank you for listening. I'll catch you next time on the Dental A Team Podcast.  

WEDNESDAY TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing two songs from musical artist Eva Humminbird Created for listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the glorious mysteries, recited on Wednesdays and Sundays.  These mysteries focus on the events following Christ's resurrection, including Pentecost and Mary's coronation, with fruits such as faith and hope. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - GLORIOUS WEDNESDAY - SPOKEN ONLY https://youtu.be/r2tCG5QM1_o SPOKEN ONLY VERSION: Wednesday Rosary - SPOKEN ONLY https://youtu.be/KyCey-qH-lA MOST VIEWED WEDNESDAY ROSARY: Calm Music    https://youtu.be/1Fnoyv8EmO0 MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. All music in this video is licensed thru Epidemic Sound Publishing. #Rosary #GloriousMysteries #CatholicMeditation #WednesdayRosary #todayrosary #todayrosaryinenglish

TUESDAY TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing two songs from musical artist Eva Humminbird Made for listeners blessed with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the sorrowful mysteries, recited on Tuesdays and Fridays. These mysteries focus on Christ's Passion and death, with fruits like sorrow for sin and patience. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - SORROWFUL TUESDAY - SPOKEN ONLY https://youtu.be/xuBcmbi8XKM SPOKEN ONLY VERSION: Tuesday Rosary - SPOKEN ONLY https://youtu.be/KyCey-qH-lA MOST VIEWED TUESDAY ROSARY: Calm Music    https://youtu.be/tcryvk5IlmY MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  Starting at only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #SorrowfulMysteries #CatholicMeditation #TuesdayRosary #todayrosary #todayrosaryinenglish

MONDAY TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing two songs from musical artist Eva Humminbird Created for listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the joyful mysteries, recited on Mondays and Saturdays.  These mysteries focus on the Incarnation and Jesus' early life, with fruits including humility and love of neighbor. Join in the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - JOYFUL MONDAY - SPOKEN ONLY https://youtu.be/6UX8ObKpb3A SPOKEN ONLY VERSION: Monday Rosary - SPOKEN ONLY https://youtu.be/vv8l7xMAOmM MOST VIEWED MONDAY ROSARY: Calm Music    https://youtu.be/ryTdYnt1eUI MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  Starting at only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #JoyfulMysteries #CatholicMeditation #MondayRosary #todayrosary #todayrosaryinenglish

SUNDAY TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC showcasing two songs from musical artist Eva Humminbird For listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the glorious mysteries, recited on Wednesdays and Sundays.  These mysteries focus on the events following Christ's resurrection, including Pentecost and Mary's coronation, with fruits such as faith and hope. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - GLORIOUS SUNDAY - SPOKEN ONLY https://youtu.be/v-gX7p-QznQ SPOKEN ONLY VERSION: Sunday Rosary - SPOKEN ONLY https://youtu.be/LFcRgq2cQRA MOST VIEWED SUNDAY ROSARY: Calm Music    https://youtu.be/1Fnoyv8EmO0 MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. All music in this video is licensed thru Epidemic Sound Publishing. #Rosary #GloriousMysteries #CatholicMeditation #SundayRosary #todayrosary #todayrosaryinenglish

TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing three songs from musical artist Arvid Svenungsson   For listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the joyful mysteries, recited on Mondays and Saturdays.  These mysteries focus on the Incarnation and Jesus' early life, with fruits including humility and love of neighbor. Join in the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - JOYFUL SATURDAY - SPOKEN ONLY https://youtu.be/8NCv89Qk4Zw SPOKEN ONLY VERSION: Saturday Rosary - SPOKEN ONLY https://youtu.be/vv8l7xMAOmM MOST VIEWED SATURDAY ROSARY: Calm Music    https://youtu.be/ryTdYnt1eUI MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #JoyfulMysteries #CatholicMeditation #SaturdayRosary #todayrosary #todayrosaryinenglish 

TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing three songs from musical artist Arvid Svenungsson   Created for listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the sorrowful mysteries, recited on Tuesdays and Fridays. These mysteries focus on Christ's Passion and death, with fruits like sorrow for sin and patience. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - SORROWFUL FRIDAY - SPOKEN ONLY https://youtu.be/fZE1UwFbRE0 SPOKEN ONLY VERSION: Friday Rosary - SPOKEN ONLY https://youtu.be/KyCey-qH-lA MOST VIEWED FRIDAY ROSARY: Calm Music    https://youtu.be/tcryvk5IlmY MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. All music in this video is licensed thru Epidemic Sound Publishing. #Rosary #SorrowfulMysteries #CatholicMeditation #FridayRosary #todayrosary #todayrosaryinenglish

Happy Gopher Day! Join James and Connor (aka the Country Road Kid) as we rank and review Highwayman, the debut studio album by country supergroup The Highwaymen! In an attempt to stay relevant in an ever-changing country music landscape, four legends came together to create something different: Johnny Cash, Waylon Jennings, Willie Nelson, and Kris Kristofferson. After collaborating and admiring each other's work for decades, the Mount Rushmore of rugged outlaw country took to the studio, armed with ten hits like Against The Wind, Deportee, and Cash's own Big River. Would this Hail Mary effort jumpstart their iconic careers?We'll talk about the four episodes that led us here -- one about each individual Highwayman-- and learn about the holiday specials and films that brought them all together in the first place. We'll explore their group dynamics and talk about the ways music had changed around them between their debuts and 1985. All the while we'll reminisce about panning for gold in the sandbox, hearing these songs as kids, and more. The Mixtaper has facts (or spins) about hotel horses, midwife pranks, and a suspiciously Bill-Murray-adjacent Midnight Breakfast fact. Turn those suits inside out and get ready to ride with some of the genre's greatest.What do you think about the Highwaymen supergroup? Is this album over- or under-ambitious, and is it the best of their three records to cover in an episode? How do you think the Groundhog Day time loop mechanics work? Let us know in the comments or on socials, and be sure to follow for our Grammy Special coverage next week!Keep Spinning at www.SpinItPod.com!Thanks for listening!0:00 Intro2:05 Relevant Past Episodes5:20 About The Highwaymen9:10 About Highwayman17:48 Awards & Accolades18:41 Fact Or Spin21:39 Waylon And Willie Rode Horses In A Hotel24:36 Waylon And Cash Used Dynamite As Entertainment26:58 Willie Tricked Kris Into Thinking He Was Delivering A Baby30:52 Waylon and Cash Loved To Make Midnight Breakfast37:17 Album Art38:02 Highwayman41:19 The Last Cowboy Song42:23 Jim, I Wore A Tie Today44:36 Big River46:55 Committed To Parkview48:08 Desperados Waiting For A Train49:20 Deportee (Plane Wreck At Los Gatos)51:30 Welfare Line52:20 Against The Wind54:55 The Twentieth Century Is Almost Over56:58 Final Spin Hosted on Acast. See acast.com/privacy for more information.

(WATCH THIS EPISODE ON YOUTUBE) A motorcycle club. A fight club. A kidnappers club. Three men, one victim. But only one of them is convicted. Reb breaks out her DIY whiteboard for a very helpful visual aid of this very absurd kidnapping story. Spoiler alert: A Hail Mary motion is filed and...wins?!?! This is United States v. Cornelius Green (2024). SUPPORT MINNESOTA ORGANIZATIONS, BUSINESSES, AND MUTUAL AID: Donate to the Immigrant Law Center of Minnesota: https://www.ilcm.org/donate/  Donate to Pimento Relief Services or support their work: https://www.givemn.org/organization/Pimento-Foundation  Donate to Neighborhood House NM or support their work: https://neighborhoodhousemn.org/community-crisis-response/. Donate a gift card for the MN community via El Burrito Mercado: https://www.elburritomercado.com *** MERCH STORE IS LIVE! Shop Reb Masel and Rebuttal Pod merch: ⁠⁠⁠⁠https://rebmasel.shop/⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CLICK HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to PREORDER Reb's book: The Book They Throw At You—A Sarcastic Lawyer's Guide* To The Unholy Chaos of Our Legal System, *God No, Not Actual Legal Advice *** Follow @RebuttalPod on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Follow @Rebmasel on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! *** 00:00 - Intro / Important context 05:34 - Case begins 08:01 - The Motion that never gets granted 09:15 - ALL OF THE DRAMA! 18:36 - The trial (and everything wrong with it) 29:23 - Verdict / Appeal 42:12 - Reb's Rebuttal * Learn more about your ad choices. Visit megaphone.fm/adchoices

TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing three songs from musical artist Arvid Svenungsson   Experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the luminous mysteries, recited on Thursdays.  These mysteries focus on Jesus' public ministry, including his baptism and the institution of the Eucharist, with fruits such as openness to the Holy Spirit and adoration. Join the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - LUMINOUS THURSDAY - SPOKEN ONLY https://youtu.be/3FsR8I6WiTs SPOKEN ONLY VERSION: Thursday Rosary - SPOKEN ONLY https://youtu.be/S6fNrAPjf2M MOST VIEWED THURSDAY ROSARY: Calm Music    https://youtu.be/73Z7rRx6dnM MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #LuminousMysteries #CatholicMeditation #ThursdayRosary #todayrosary #todayrosaryinenglish

I've been deep in analysis mode lately, studying not just my own industry but content creators across platforms, trying to understand what audiences truly want in 2026. The biggest shift I'm seeing? People aren't consuming content just for information anymore. They want information plus perspective. They want to be told what matters, what to ignore, and what deserves their energy.  In this episode, I break down the 5 things your audience actually wants to see from you in 2026. 1st is identity-confirming content. This goes beyond "five signs you're ready for X,"and actually mirrors your evolution to help them see themselves in your journey. 2nd is authority without overteaching. Your audience doesn't want more instructions; they want you to teach them how to think, not just what to do. That's what makes you irreplaceable in a world where anyone can Google a how-to guide. The 3rd thing audiences are craving is emotional certainty. People are exhausted by frantic posting, desperate Hail Mary marketing, and hot takes that are just mean-spirited. They want to follow creators whose presence feels like safety—someone who can calm their nervous system and create a space where they feel accepted, no matter how they think or behave.  4th is selective transparency without oversharing. There's a massive difference between sharing intentional behind-the-scenes decisions and just processing your emotions in public with no through line. They can spot the difference between someone crying on the internet for engagement versus someone sharing something with real depth and meaning. The goal is to be human and real without turning your platform into a chaotic emotional brain dump. Finally, your audience wants content that feels like a brand experience. They want to feel like they're entering a world, not just scrolling past a person. This means visual continuity, recurring storylines, and a clear "thing" that you're known for online. When someone lands on your profile, they should be able to binge your content and see a through line.    Connect with me:  Website Join our email list! Instagram Pinterest Become the celebrity of your niche and learn how to turn your marketing into a campaign that actually sells out. In the Campaign Crash Course™, you'll learn how to build anticipation and sell your offers with the same strategy behind brands like SKIMS, Poppi, and Rhode — all in just 60 minutes. https://highflierpowerhouse.com/course Get creative support to turn your content into sales before, during and after your launches. From content classes to learn new campaign marketing skills, to custom designed assets completely done for you, we've thought of it all inside Sales Studio. Join today: https://highflierpowerhouse.com/retainer  Triple your audience, demand and sales with a 90-day marketing reinvention designed to position you as the #1 choice in your industry and change the way you show up online. Apply for The Industry's Choice https://highflierpowerhouse.com/industrys-choice   

TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing three songs from musical artist Arvid Svenungsson   Created for listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the glorious mysteries, recited on Wednesdays and Sundays.  These mysteries focus on the events following Christ's resurrection, including Pentecost and Mary's coronation, with fruits such as faith and hope. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - GLORIOUS WEDNESDAY - SPOKEN ONLY https://youtu.be/r2tCG5QM1_o SPOKEN ONLY VERSION: Wednesday Rosary - SPOKEN ONLY https://youtu.be/KyCey-qH-lA MOST VIEWED WEDNESDAY ROSARY: Calm Music    https://youtu.be/1Fnoyv8EmO0 MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. All music in this video is licensed thru Epidemic Sound Publishing. #Rosary #GloriousMysteries #CatholicMeditation #WednesdayRosary #todayrosary #todayrosaryinenglish

Show notes provided by Joe PelusoIn the late Summer of 1996 DC Comics decided to dim the lights byblowing out the Sun! A cosmic force known as The Sun-Eater (first seenway back in Adventure Comics #352 from November 1966!) came calling to snuff out all life on Earth! Chronicled in a weekly event, the storywas entitled "The Final Night".And it sure as heck would've been, ifnot for the timely, last minute intervention of a once great seminalhero who had recently gone rogue.  Join hosts James, Chris, and Joe as they "shed light on" (Sorry,Chris, you know--low-hanging fruit.) on a new DC event that taxedEarth's greatest heroes in a race to save the world from becoming apopsicle.All kidding aside, this fast-paced saga had major stakes,major tragedies, and major repercussions for the DCU.   Seven days to restart the sun, or all life on Earth perishes.Superman, cut off from solar rays, is weakening by the day. KyleRayner, Earth's only Green Lantern, chucks a "Hail Mary" like BretFarve into space to convince the one and only capable "entity"Parallax (Hal Jordan ) to save the Earth. Lex Luthor is brought in towork with Brainiac 5. And Batman, as usual, multitasks.   It's a fun event told in four issues, one special issue, and oneaftermath remembrance issue, with limited tie-ins, that doesn't breakthe banks of loyal DC fans. Also there are some "heavy" discussions onthe meaning of heroes and villains, and loss and redemption, that wethink you will find quite interesting. It's been thirty years sincethis story dropped. No alternate dimensions, maddening multiverses, ortime travel trickery, just a solid story of survival on both the grandand human scale.

TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing three songs from musical artist Arvid Svenungsson   Made for listeners blessed with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the sorrowful mysteries, recited on Tuesdays and Fridays. These mysteries focus on Christ's Passion and death, with fruits like sorrow for sin and patience. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - SORROWFUL TUESDAY - SPOKEN ONLY https://youtu.be/xuBcmbi8XKM SPOKEN ONLY VERSION: Tuesday Rosary - SPOKEN ONLY https://youtu.be/KyCey-qH-lA MOST VIEWED TUESDAY ROSARY: Calm Music    https://youtu.be/tcryvk5IlmY MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  Starting at only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #SorrowfulMysteries #CatholicMeditation #TuesdayRosary #todayrosary #todayrosaryinenglish

TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC for peaceful meditation showcasing three songs from musical artist Arvid Svenungsson   Created for listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the joyful mysteries, recited on Mondays and Saturdays.  These mysteries focus on the Incarnation and Jesus' early life, with fruits including humility and love of neighbor. Join in the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - JOYFUL MONDAY - SPOKEN ONLY https://youtu.be/6UX8ObKpb3A SPOKEN ONLY VERSION: Monday Rosary - SPOKEN ONLY https://youtu.be/vv8l7xMAOmM MOST VIEWED MONDAY ROSARY: Calm Music    https://youtu.be/ryTdYnt1eUI MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  Starting at only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. #Rosary #JoyfulMysteries #CatholicMeditation #MondayRosary #todayrosary #todayrosaryinenglish

TRADITIONAL ROSARY - SPOKEN MALE VOICE with AMBIENT MUSIC showcasing three songs from musical artist Arvid Svenungsson For listeners with more time, experience a slower paced and reverent rosary including offertory prayers for each mystery, prayer for Our Pope, prayer to St. Michael the Archangel and Guardian Angel prayer.   Allow the gentle rhythm of the Hail Mary prayers to become almost like breathing - steady, repetitive, and deeply calming, lowering stress and quieting racing thoughts, giving space for real peace to settle in. This rosary contains the glorious mysteries, recited on Wednesdays and Sundays.  These mysteries focus on the events following Christ's resurrection, including Pentecost and Mary's coronation, with fruits such as faith and hope. Be a part of the communion of saints in praying the rosary, as it connects you with the communal prayer of the universal Church and the saints throughout history, fostering a profound sense of spiritual solidarity.  May this Rosary become a faithful companion to your prayer life. Additional prayer tools at www.rosarywristband.com 30 MINUTE TRADITIONAL ROSARY - GLORIOUS SUNDAY - SPOKEN ONLY https://youtu.be/v-gX7p-QznQ SPOKEN ONLY VERSION: Sunday Rosary - SPOKEN ONLY https://youtu.be/LFcRgq2cQRA MOST VIEWED SUNDAY ROSARY: Calm Music    https://youtu.be/1Fnoyv8EmO0 MOST VIEWED ONE HOUR ROSARY DEVOTION: Complete Rosary    https://youtu.be/rrNMRJ5oH-Q MOST VIEWED SLEEP ROSARY: 4 Hour Sleep Rosary    https://youtu.be/4a-uaEEJOF4 Have you joined our Membership?  For only $1.99 a month, you can directly help this channel grow:  https://www.youtube.com/channel/UCLXCEpdy0etQAdEHB1z-oTg/join Or consider a donation through PayPal to help us continue creating quality content:  https://www.paypal.com/cgi-bin/webscr?business=CHerrera720037%40gmail.com&cmd=_donations¤cy_code=USD&item_name=Donation+to+The+Communion+of+Saints&return=https%3A%2F%2Frosarywristband.com%2Fhome Blessings, Chris - The Communion of Saints Email: chris@rosarywristband.com Simply, easy and quick rosary prayers for everyday recitation and reflection.   This collection of Catholic rosary videos in english serve as a daily devotion and feature calm background music and nature soundscapes.   Choose from audio only or follow along video with all mysteries: Joyful, Sorrowful, Glorious and Luminous.  Listen before sleep or any time for renewed focus and peace. "Together we pray" Visit rosarywristband.com for comfortable one decade rosaries. All music in this video is licensed thru Epidemic Sound Publishing. #Rosary #GloriousMysteries #CatholicMeditation #SundayRosary #todayrosary #todayrosaryinenglish

The Last Trade: Davos signals a shift in the monetary order as sovereign debt cracks, gold leads, and bitcoin emerges as a neutral alternative.---

Nate Tice & Charles McDonald deep dive on the AFC & NFC Championship Games as they decide who has the upper hand in the battles that determine who advances to the Super Bowl. The duo kick things off with the Denver Broncos taking on the New England Patriots in the AFC Championship Game. Nate & Charles break down both sides of the ball and discuss whether the stout Denver defense can keep Jarrett Stidham and the offense in the game against MVP candidate Drake Maye.The NFC Championship Game features a Hoss Fight of the Year in the Los Angeles Rams heading north to take on the Seattle Seahawks. Can Matthew Stafford and the Rams run game get rolling against Mike Macdonald's masterful defense? Can Sam Darnold overcome his turnover-heavy play against LA this season to advance to his first Super Bowl?Finally, the two hosts wrap things up with their Hail Mary bold predictions for the weekend featuring Kenneth Walker III and an interesting prediction for the NFC Championship Game.(2:45) - Broncos @ Patriots deep dive(27:55) - Rams @ Seahawks deep dive(1:01:50) - Hail Mary bold predictions Subscribe to Football 301 on your favorite podcast app:

Nate Tice & Charles McDonald deep dive on the AFC & NFC Championship Games as they decide who has the upper hand in the battles that determine who advances to the Super Bowl. The duo kick things off with the Denver Broncos taking on the New England Patriots in the AFC Championship Game. Nate & Charles break down both sides of the ball and discuss whether the stout Denver defense can keep Jarrett Stidham and the offense in the game against MVP candidate Drake Maye.The NFC Championship Game features a Hoss Fight of the Year in the Los Angeles Rams heading north to take on the Seattle Seahawks. Can Matthew Stafford and the Rams run game get rolling against Mike Macdonald's masterful defense? Can Sam Darnold overcome his turnover-heavy play against LA this season to advance to his first Super Bowl?Finally, the two hosts wrap things up with their Hail Mary bold predictions for the weekend featuring Kenneth Walker III and an interesting prediction for the NFC Championship Game.(2:45) - Broncos @ Patriots deep dive(27:55) - Rams @ Seahawks deep dive(1:01:50) - Hail Mary bold predictions Subscribe to Football 301 on your favorite podcast app:

CLNS Media's Taylor Kyles and SI's Mike Kadlick go LIVE for Patriots Press Pass members to break down quarterback Drake Maye's performance in the Patriots' win over the Texans. Drake Maye went 16-for-27 for 179 yards and three passing touchdowns, but it wasn't all clean — he threw a Hail Mary interception at the half and put the ball on the ground four times, losing two fumbles. Patriots Daily on CLNS Media is Powered by:

From building internal AI labs to becoming CTO of Brex, James Reggio has helped lead one of the most disciplined AI transformations inside a real financial institution where compliance, auditability, and customer trust actually matter. We sat down with Reggio to unpack Brex's three-pillar AI strategy (corporate, operational, and product AI) [https://www.brex.com/journal/brex-ai-native-operations], how SOP-driven agents beat overengineered RL in ops, why Brex lets employees “build their own AI stack” instead of picking winners [https://www.conductorone.com/customers/brex/], and how a small, founder-heavy AI team is shipping production agents to 40,000+ companies. Reggio also goes deep on Brex's multi-agent “network” architecture, evals for multi-turn systems, agentic coding's second-order effects on codebase understanding, and why the future of finance software looks less like dashboards and more like executive assistants coordinating specialist agents behind the scenes. We discuss: Brex's three-pillar AI strategy: corporate AI for 10x employee workflows, operational AI for cost and compliance leverage, and product AI that lets customers justify Brex as part of their AI strategy to the board Why SOP-driven agents beat overengineered RL in finance ops, and how breaking work into auditable, repeatable steps unlocked faster automation in KYC, underwriting, fraud, and disputes Building an internal AI platform early: LLM gateways, prompt/version management, evals, cost observability, and why platform work quietly became the force multiplier behind everything else Multi-agent “networks” vs single-agent tools: why Brex's EA-style assistant coordinates specialist agents (policy, travel, reimbursements) through multi-turn conversations instead of one-shot tool calls The audit agent pattern: separating detection, judgment, and follow-up into different agents to reduce false negatives without overwhelming finance teams Centralized AI teams without resentment: how Brex avoided “AI envy” by tying work to business impact and letting anyone transfer in if they cared deeply enough Letting employees build their own AI stack: ChatGPT vs Claude vs Gemini, Cursor vs Windsurf, and why Brex refuses to pick winners in fast-moving tool races Measuring adoption without vanity metrics: why “% of code written by AI” is the wrong KPI and what second-order effects (slop, drift, code ownership) actually matter Evals in the real world: regression tests from ops QA, LLM-as-judge for multi-turn agents, and why integration-style evals break faster than you expect Teaching AI fluency at scale: the user → advocate → builder → native framework, ops-led training, spot bonuses, and avoiding fear-based adoption Re-interviewing the entire engineering org: using agentic coding interviews internally to force hands-on skill upgrades without formal performance scoring Headcount in the age of agents: why Brex grew the business without growing engineering, and why AI amplifies bad architecture as fast as good decisions The future of finance software: why dashboards fade, assistants take over, and agent-to-agent collaboration becomes the real UI — James Reggio X: https://x.com/jamesreggio LinkedIn: https://www.linkedin.com/in/jamesreggio/ Where to find Latent Space X: https://x.com/latentspacepod Substack: https://www.latent.space/ Chapters 00:00:00 Introduction 00:01:24 From Mobile Engineer to CTO: The Founder's Path 00:03:00 Quitters Welcome: Building a Founder-Friendly Culture 00:05:13 The AI Team Structure: 10-Person Startup Within Brex 00:11:55 Building the Brex Agent Platform: Multi-Agent Networks 00:13:45 Tech Stack Decisions: TypeScript, Mastra, and MCP 00:24:32 Operational AI: Automating Underwriting, KYC, and Fraud 00:16:40 The Brex Assistant: Executive Assistant for Every Employee 00:40:26 Evaluation Strategy: From Simple SOPs to Multi-Turn Evals 00:37:11 Agentic Coding Adoption: Cursor, Windsurf, and the Engineering Interview 00:58:51 AI Fluency Levels: From User to Native 01:09:14 The Audit Agent Network: Finance Team Agents in Action 01:03:33 The Future of Engineering Headcount and AI Leverage

1. Wild Card Weekend Takeaways-DKrom: The NFL MUST name the Coach of the Year award after Kyle Shanahan-Hal: Finally, the NFL put the "WILD" in Wild Card Weekend2. Wild Card Weekend Honors-GOAT of the Week (DKrom: Colston Loveland, Hal: Caleb Williams)-Dunce of the Week (DKrom: Kevin Patullo, Hal: Omar Khan & Art Rooney II)3. 2026 NFL Draft (Top-10 Mock Draft)4. Coaching Carousel-Grading the Giants hire of John Harbaugh as head coach (DKrom: A-, Hal: A-)-Putting aside historical precedent, how much sense does hiring Chris Shula as head coach make for the Steelers? -Do you think there's a good chance the Ravens see in Jesse Minter exactly what they lost when Mike Macdonald left? -Grading the Dolphins hire of Jon-Eric Sullivan as GM (DKrom: A, Hal: A)-Would you be willing to bet that either Jeff Hafley or Anthony Campanile will be the next head coach of the Dolphins?-If the Browns hire a Grant Udinski, Dan Pitcher, Tommy Rees or Nate Scheelhaase as their new head coach, do you think the odds of them working out in the long run may be far greater than many think? 5. NFL Divisional Weekend Game Picks-Bills at Broncos-49ers at Seahawks-Texans at Patriots-Rams at Bears6. NFL Divisional Weekend Bold Predictions-DKrom: 49ers FB/H-back Kyle Juszczyk sets the single-game postseason receptions record with 16, including the game-winning TD pass from Brock Purdy with less than a minute remaining to give the 49ers the 19-17 upset win-Hal: Bears down 27-20 at midfield with less than 10 seconds left, and Caleb Williams throws a Hail Mary that's tipped twice...and Rome Odunze comes down with it for the TD...and they go for two and the win...and Odunze comes up with the Octopus on a fade in the corner of the end zone to send the Bears to the NFC Championship! 7. Challenge Flags-DKrom: All head coaches of the 8 remaining teams, if you go for it on 4th-and-1, DON'T GET CUTE and just RUN THE BALL!!!-Hal: Caleb Williams, Drake Maye, and Bo Nix...SEIZE YOUR OPPORTUNITY NOW because this could be it!

Nate Tice & Charles McDonald join forces to preview all four NFL divisional round games. After reacting to the New York Giants hiring John Harbaugh to be their next head coach, the duo deep dive divisional-style on the four big games coming up this weekend.Nate & Charles start with an AFC hoss fight featuring the electric Buffalo Bills offense vs. the stout Denver Broncos defense. On Saturday night we'll see the San Francisco 49ers try to improve on their last performance against the 1-seed Seattle Seahawks, and the two hosts determine whether the 9ers have the juice.The Sunday games feature Drake Maye and the New England Patriots taking on the stingy Houston Texans defense and the Los Angeles Rams trying to outscore the red-hot Chicago Bears. Nate & Charles wrap up the show with their Hail Mary bold predictions for this weekend.(2:20) - Giants hire HC John Harbaugh(10:00) - Bills @ Broncos(36:00) - 49ers @ Seahawks(57:10) - Texans @ Patriots(1:23:20) - Rams @ Bears(1:43:45) - Hail Mary predictions Subscribe to Football 301 on your favorite podcast app:

Nate Tice & Charles McDonald join forces to preview all four NFL divisional round games. After reacting to the New York Giants hiring John Harbaugh to be their next head coach, the duo deep dive divisional-style on the four big games coming up this weekend.Nate & Charles start with an AFC hoss fight featuring the electric Buffalo Bills offense vs. the stout Denver Broncos defense. On Saturday night we'll see the San Francisco 49ers try to improve on their last performance against the 1-seed Seattle Seahawks, and the two hosts determine whether the 9ers have the juice.The Sunday games feature Drake Maye and the New England Patriots taking on the stingy Houston Texans defense and the Los Angeles Rams trying to outscore the red-hot Chicago Bears. Nate & Charles wrap up the show with their Hail Mary bold predictions for this weekend.(2:20) - Giants hire HC John Harbaugh(10:00) - Bills @ Broncos(36:00) - 49ers @ Seahawks(57:10) - Texans @ Patriots(1:23:20) - Rams @ Bears(1:43:45) - Hail Mary predictions Subscribe to Football 301 on your favorite podcast app:

"Feels like deja vu, another Bears-Packers stunner." The Bleacher Bums are back to bask in the glory of the Bears advancing to the Divisional round after a heart-stopping win over their biggest rival. We analyze the "12 lucky breaks" that ended 12 years of futility and discuss why Caleb Williams and Ben Johnson have officially cemented themselves as the future of the franchise.In this episode:The Comeback: Overcoming a 21-3 deficit and the "butterfly effect" of the final Hail Mary.Classless Winning?: Defending Ben Johnson's post-game comments and the "sore winner" narrative.Wildcard Wrap-up: Why Bryce Young is in the "Jordan Love Tier" and the liability of the Bills' defense.Divisional Predictions: Can the Bears survive an "honorable death" against Matt Stafford at Soldier Field? Hot Takes: The 49ers' stadium conspiracy theory and the future of Mike Tomlin.Grab a cold one—it's house money from here on out. Bear Down.

Winter weather is right around the corner. So what to do with kids when it's too cold to play outside for long? We called in City Cast Nashville contributor Amelia Edelman to share her best indoor kid activities around town — from free spots and budget-friendly wins to nap-inducing energy burners and the ultimate 3 p.m. meltdown Hail Mary. Plus: Germs, safety red flags, kids in breweries, and how child-free friends can actually help. Get more from City Cast Nashville when you become a City Cast Nashville Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events and more. Join now at membership.citycast.fm/nashvilleWant some more City Cast Nashville news? Then make sure to sign up for our Hey Nashville newsletter.  Follow us @citycastnashville You can also text us or leave a voicemail at: 615-200-6392 Interested in advertising with City Cast? Find more info HERE.

This is how it all began... The Road To Coachella Valley Bully Fest Pt. 1If you have any questions, comments or concerns or would like to be a  part of the podcast please email us at thedawgfellaspodcast@gmail.com. Also make sure you follow us on our social media accounts to stay up to date with the podcast and our special guests and other cool things we have going on! Special Guest: Robert NaranjoFB: Robert NaranjoTikTok: BigShot BulliesIG:  bigshot_bulliesIG: @The_DawgFellas_PodcastIG: @txbulliemafiaIG: @interstate_27_frenchiesIG: @_houseofbullies_FB: The DawgFellas PodcastFB: Gabriel Tbm VillarrealFB: Anthony Ray ZimmerleFB: Amito ZerrataFB: Shelbio Rea 

Ken talks about how desirable of a destination Cleveland would be for John Harbaugh, and why he thinks that there would be zero regrets in hiring him even if he can't bring the Browns to a Super Bowl.

It's amazing how much ground we cover with Daniel Roebuck in one episode. He does impressions, he talks of old movies that inspired him, his love for Lehigh Valley PA, and why he keeps shooting his films there. His new film "The Hail Mary" is a redemption story, a sports film and a coming-of-age story that is a must-see. The film follows Sister Kathy, who discovers a lonely and angry man struggling with his past. She tricks him into helping her start a football team for her small Catholic school. Through this journey, he learns about forgiveness, teamwork, and redemption. The movie is set to bring a warm message for families who enjoy inspirational stories. His love for independent film making certainly comes through, but he still loves to be part of a blockbuster too. Oh, and Daniel talks about how badly his wife would kick his butt as golf...well maybe not MINI GOLF. This is a must listen episode with one of Hollywood's most intriguing people. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A very tired Chris Fallica joins the show fresh off attending Miami's CFP Semi-Final win over Ole Miss. Bear can't believe how good Trinidad Chambliss is after seeing him in person. Can you call a 30-yard pass a Hail Mary? Plus, we talk it out before Super Wild Card weekend in the NFL. Learn more about your ad choices. Visit megaphone.fm/adchoicesSee omnystudio.com/listener for privacy information.

A very tired Chris Fallica joins the show fresh off attending Miami's CFP Semi-Final win over Ole Miss. Bear can't believe how good Trinidad Chambliss is after seeing him in person. Can you call a 30-yard pass a Hail Mary? Plus, we talk it out before Super Wild Card weekend in the NFL. Learn more about your ad choices. Visit megaphone.fm/adchoices

A very tired Chris Fallica joins the show fresh off attending Miami's CFP Semi-Final win over Ole Miss. Bear can't believe how good Trinidad Chambliss is after seeing him in person. Can you call a 30-yard pass a Hail Mary? Plus, we talk it out before Super Wild Card weekend in the NFL. Learn more about your ad choices. Visit megaphone.fm/adchoicesSee omnystudio.com/listener for privacy information.

A very tired Chris Fallica joins the show fresh off attending Miami's CFP Semi-Final win over Ole Miss. Bear can't believe how good Trinidad Chambliss is after seeing him in person. Can you call a 30-yard pass a Hail Mary? Plus, we talk it out before Super Wild Card weekend in the NFL. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nate Tice & Charles McDonald join forces to preview ALL six NFL Wild Card games. After reacting to the Miami Dolphins firing Head Coach Mike McDaniel and where he could potentially land as one of the better playcallers in the NFL, the duo dive into Wild Card Weekend. Nate & Charles start off by discussing whether the Carolina Panthers have a chance to keep it close against the Los Angeles Rams, if the Chicago Bears can get the upper hand on the Green Bay Packers in their rubber match and if the Buffalo Bills really deserve to be road favorites against the red-hot Jacksonville Jaguars.Later, Nate & Charles discuss the San Francisco 49ers and Philadelphia Eagles battling to see who can get the good vibes going again, the Los Angeles Chargers trying to overcome their injuries against the New England Patriots (and MVP Drake Maye) and the Pittsburgh Steelers walking into a buzzsaw Houston Texans defense on Monday night. The two hosts wrap things up with their Hail Mary bold predictions, including some pessimism surrounding Bryce Young and Aaron Rodgers.(2:45) - Dolphins fire Mike McDaniel(13:30) - Rams @ Panthers(23:20) - Packers @ Bears(40:35) - Bills @ Jaguars(1:00:05) - 49ers @ Eagles(1:16:30) - Chargers @ Patriots(1:41:20) - Texans @ Steelers(1:49:50) - Hail Mary predictions Subscribe to Football 301 on your favorite podcast app:

Nate Tice & Charles McDonald join forces to preview ALL six NFL Wild Card games. After reacting to the Miami Dolphins firing Head Coach Mike McDaniel and where he could potentially land as one of the better playcallers in the NFL, the duo dive into Wild Card Weekend. Nate & Charles start off by discussing whether the Carolina Panthers have a chance to keep it close against the Los Angeles Rams, if the Chicago Bears can get the upper hand on the Green Bay Packers in their rubber match and if the Buffalo Bills really deserve to be road favorites against the red-hot Jacksonville Jaguars.Later, Nate & Charles discuss the San Francisco 49ers and Philadelphia Eagles battling to see who can get the good vibes going again, the Los Angeles Chargers trying to overcome their injuries against the New England Patriots (and MVP Drake Maye) and the Pittsburgh Steelers walking into a buzzsaw Houston Texans defense on Monday night. The two hosts wrap things up with their Hail Mary bold predictions, including some pessimism surrounding Bryce Young and Aaron Rodgers.(2:45) - Dolphins fire Mike McDaniel(13:30) - Rams @ Panthers(23:20) - Packers @ Bears(40:35) - Bills @ Jaguars(1:00:05) - 49ers @ Eagles(1:16:30) - Chargers @ Patriots(1:41:20) - Texans @ Steelers(1:49:50) - Hail Mary predictions Subscribe to Football 301 on your favorite podcast app:

The 1975 Dallas Cowboys were a good organization led by General Manger Tex Schramm, Head Coach Tom Landry, and Quarterback Roger Staubach. But they were about to become a part of the sports world that 50 years later, love 'em or hate 'em, has stood the test of time. After beating the Minnesota Vikings in a playoff game on the original Hail Mary pass from Staubach to Drew Pearson, they were now America's Team.  They were original, and they were innovative but mostly, they were just good. Lining up in shotgun, Roger the Dodger had his choice of weapons, and more often than not on 3rd downs, he would throw to #26 out of the backfield, Preston Pearson. The "other" Pearson, Preston had a big game against the Vikings. In fact, the man who never played college football, had a habit of having big games when they mattered most, and being on the field when the games were being decided. So despite the fact that it was Drew Pearson who caught the winning prayer vs the Vikes, it was Preston who was on the cover of the first issue of Sports Illustrated in 1976. The 14-year NFL veteran showed off his hops on that cover and said he had a pretty good game in that playoff win for the Cowboys. A week later, he had 3 touchdowns against the Rams that propelled the Boys to the Super Bowl. Preston takes us inside the huddle and tells us what it was like on that final winning drive for Dallas that included a 4th and 17 before Staubach and Drew Pearson hooked up again for that miraculous finish. He says despite being on the Steelers when they beat the Raiders on the 'Immaculate Reception', that this play is the biggest of his career. He remembers what it was like to lose Super Bowl III to Joe Namath and the Jets when he was on the Colts.  The original 3rd down back, Preston Pearson made the most out of his talent and became an integral part of those great Dallas teams and he joins us on the Past Our Prime podcast to tell us what it was like when Dallas turned from the Cowboys into America's Team. Learn more about your ad choices. Visit megaphone.fm/adchoices

Building a Resilient Faith: A Synthesis of Key Themes Executive Summary This document synthesizes the core themes from a sermon delivered on the first Sunday of 2026 by Zach, a youth pastor. The central argument posits that the start of a new year should not be viewed as a simple "reset," as life's troubles do not magically disappear. Instead, the focus should be on building a resilient faith—the capacity to press on and grow stronger through struggle and hardship. Grounded in the scripture of John 16:33, the message presents two definitive truths: trouble in this world is inevitable, but this trouble is not final because Jesus has "overcome the world." This victory makes peace and confidence possible even amid life's most difficult seasons. The sermon provides a practical, three-question framework for developing this resilience: identifying the specific trouble ("What's happening?"), shifting focus to foundational truths about God ("What is true no matter what?"), and taking ownership of one's response ("What can you do?"), primarily through prayer and engagement with a church community. -------------------------------------------------------------------------------- I. The Premise: Rejecting a "Reset" Mentality The sermon begins by challenging the conventional notion of the New Year as a monumental fresh start. It argues that while the calendar resets, personal burdens and ongoing struggles are carried over from one day to the next. • Critique of New Year's Superficiality: The speaker describes New Year's as a "weird holiday" where "nothing magically, like, disappears when it's January 1st." Problems from the previous week or year do not vanish when the clock strikes midnight. • Introducing Resilience as the Core Focus: Instead of concepts like "refresh or reset," the proposed theme for the new year is resilience. • Definition of Resilience: Resilience is defined as "our ability to move forward and grow stronger after we've struggled or failed or faced hard stuff in our life" and "our resolve to press on even when we feel so worn down or just ready to throw in the towel." II. The Challenge: Doubt and the Temptation to Quit The message explores how hardship and a lack of immediate results can lead to doubt and the temptation to abandon one's faith journey. This is illustrated through the speaker's personal anecdotes of quitting karate, soccer, and reading The Lord of the Rings as a child because he "couldn't see the value in moving forward" or "couldn't see the results quick enough." • The Slippery Slope of Doubt: When individuals feel worn down, doubt begins to seep in, particularly in their faith. This doubt manifests as a series of challenging questions directed at God. • Questions Arising from Hardship: The sermon provides specific examples of questions that emerge during difficult times: ◦ "Is God still worth following? If my family still is broken..." ◦ "Is God still loving? If I'm still battling with depression..." ◦ "Is God still as good as he says he is? Even when I don't see him showing up the way I want him to..." ◦ "Why should I keep doing this?" III. The Theological Foundation: John 16:33 The sermon's central argument is built upon Jesus's words in John, chapter 16, verse 33. This scripture is presented in the context of Jesus preparing his disciples for his imminent betrayal, arrest, and crucifixion—what the speaker calls "some of the worst trouble that his disciples have experienced in their lifetime." John 16:33: "I have told you these things so that in me you may have peace. In this world you will have trouble. But take heart, I have overcome the world." This verse is broken down into two definitive, non-negotiable statements. A. The Certainty of Trouble: "In this world you will have trouble." This is presented as a fundamental truth of the human condition. • An Inescapable Reality: Trouble is not a possibility but a guarantee in a world described as an "incomplete" and "broken" plane of existence. Therefore, experiencing hardship should not be shocking. • Historical Context: The disciples, as "lower income Jewish men living in the Roman Empire," would have deeply resonated with this statement. For them, every day was a battle, and speaking against authority could lead to death. • Jesus's Own Experience: Jesus himself was speaking these words just before he would be "arrested, flogged, beaten, crucified." He was about to experience "the worst trouble." B. The Proclamation of Victory: "But take heart, I have overcome the world." This statement is the essential counterpoint, offering hope and a foundation for resilience. • Trouble is Not the End: Jesus's victory over the world through his death and resurrection ensures that trouble "is not going to be the end all be all to your life." As the speaker states, "Trouble is not the end for you, church. Whatever you face in your life, it's not the period in the sentence of your life." • Peace Becomes Possible: Because of Jesus's victory, peace is accessible regardless of the season or hardship one faces. This is a peace that comes from a "God who has been through it, who walks in it with you, and who has made a way for that trouble to only be temporary." • The Nature of Resilient Faith: A resilient faith is defined as "one that never gives up on God" because it is rooted in the truth that God has overcome life's worst struggles. IV. A Practical Framework for Building Resilience To move from theological principle to practical application, the sermon offers a three-question process to guide individuals through moments of trouble. QuestionPurpose & Explanation1. What's happening?To be honest and specific about the trouble being faced. This involves identifying the source of the struggle, whether it's a person who caused disappointment, an event beyond one's control, or even a fellow Christian whose actions have caused questioning.2. What is true no matter what?To shift perspective from immediate circumstances to the unchanging truths of God. This is not a "quick fix" and does not make the trouble less real, but it helps one focus on the reality that God is loving, in control, good, and present.3. What can you do?To focus on controllable attitudes and actions in response to trouble. While one may not be able to fix the entire situation, one always has a say in their personal response. V. Key Actions for Cultivating Resilience The framework leads to two specific, actionable steps for building a resilient faith in 2026. A. Prioritizing Prayer Prayer is presented not as a final, desperate act, but as a proactive first step. • Prayer as a First Step: A key quote emphasizes this point: "Prayer is not a last resort. Prayer is not a Hail Mary we throw when we feel like we have no other option. Prayer is a first step..." • An Invitation to God: Prayer is the act of bringing a situation to God and inviting Him to "have his way in it." The message reassures that God is not "scared by your questions or your doubt" or "thrown off by it." B. Engaging in Community Deep involvement in the church body is highlighted as a critical component of resilience. • The Role of the Church: The speaker encourages the congregation to "go deep into life with such a group of people" to lean on one another for support. • Refocusing and Growth: The community serves to "help refocus ourselves when things seem too troublesome and hard to see the truth." Mutual support is essential for growth and maintaining perspective. VI. Conclusion: The Call to Respond The sermon concludes with an invitation for the congregation to respond to the message in a tangible way. • An Invitation to Prayer: Attendees are invited to pray, either alone or with designated individuals (wearing green lanyards), during the final song. • Unburdening and Discovery: The moment is framed as an opportunity to be "open and honest with him about what you are walking through" and to "unburden yourself." It is a chance for one's resilience to grow by discovering a Jesus "who is here with us now and who has overcome the world." • Final Affirmation: The closing prayer reaffirms God as one "who sees us, who has met us where we are," and who has overcome life's troubles so that believers might know "real peace and have real eternal life."

Nate Tice & Charles McDonald join forces to preview the three biggest games of NFL Week 18. Nate & Charles get Lost in the Sauce on the three games with major playoff implications, starting with whether Baker Mayfield & the Tampa Bay Buccaneers can overcome their recent struggles to win the NFC South and beat the Carolina Panthers (with some help from the New Orleans Saints). Next, the duo cover the Seattle Seahawks & San Francisco 49ers battling it out for the 1-seed and the NFC West title. Can the Seahawks defense slow down a red-hot Brock Purdy? Nate & Charles close it out with the Sunday night battle for the AFC North with the Pittsburgh Steelers vs. Baltimore Ravens and which veteran quarterback can carry their team to the playoffs.(4:40) - Panthers @ Buccaneers(29:30) - Seahawks @ 49ers(57:50) - Ravens @ Steelers(1:16:30) - Hail Mary bold predictions Subscribe to Football 301 on your favorite podcast app:

Nate Tice & Charles McDonald join forces to preview the three biggest games of NFL Week 18. Nate & Charles get Lost in the Sauce on the three games with major playoff implications, starting with whether Baker Mayfield & the Tampa Bay Buccaneers can overcome their recent struggles to win the NFC South and beat the Carolina Panthers (with some help from the New Orleans Saints). Next, the duo cover the Seattle Seahawks & San Francisco 49ers battling it out for the 1-seed and the NFC West title. Can the Seahawks defense slow down a red-hot Brock Purdy? Nate & Charles close it out with the Sunday night battle for the AFC North with the Pittsburgh Steelers vs. Baltimore Ravens and which veteran quarterback can carry their team to the playoffs.(4:40) - Panthers @ Buccaneers(29:30) - Seahawks @ 49ers(57:50) - Ravens @ Steelers(1:16:30) - Hail Mary bold predictions Subscribe to Football 301 on your favorite podcast app:

Do you ever receive three Hail Marys as your penance in confession and wonder why? In this homily, Fr. Edward Looney explains the origins of the Three Hail Marys devotion and how St. Mechtilde received it through private revelation. Learn the spiritual meaning behind each Hail Mary and why this simple devotion has helped countless Catholics grow in holiness and trust in Our Lady's intercession.

NBA Cup discourse, trad wives making a comeback, Michigan football chaos, and Tupac in church. No context. No peace. Just vibes.

"I just saw this bright, golden, light. It encompassed me. And in the middle of that light was the most beautiful face." ---------- Fifty years ago today, with seconds left on the clock, a quarterback launched a desperate pass and later said, "I closed my eyes and said a Hail Mary." The phrase stuck -- a last-ditch effort when human ability runs out. As I record this episode, I'm reading Project Hail Mary -- a story about humanity's final attempt to save the world. A last play. A long shot. A mission resting on grace. But tucked inside this episode is something even more striking. In Episode 246, Darron wasn't throwing a Hail Mary at all. And yet -- at the very last seconds of a supposed past-life regression -- the Blessed Mother arrived anyway. Uninvited. Unmistakable. Pointing him not to herself, but to her Son. Because sometimes, when time is up… You don't even have to throw the prayer. She comes running. ---------- Share Your Story If you have a Touched by Heaven moment that you would like to share with Trapper, please leave us a note at https://touchedbyheaven.net/contact Our listeners look forward to hearing about life-changing encounters and miraculous stories every week. Stay Informed Trapper sends out a weekly email. If you're not receiving it, and would like to stay in touch to get the bonus stories and other interesting content that will further fortify your faith. Join our email family by subscribing on https://trapperjackspeaks.com  Become a Patron We pray that our listeners and followers benefit from our podcasts and programs and develop a deeper personal relationship with God. We thank you for your prayers and for supporting our efforts by helping to cover the costs. Become a Patron and getting lots of fun extras. Please go to https://patreon.com/bfl to check out the details. More About Trapper Jack Visit Our Website: https://TrapperJackSpeaks.com Patreon Donation Link: https://www.patreon.com/bfl Purchase our Products ·       Talk Downloads: https://www.patreon.com/bfl/shop ·       CD Sales: https://trapperjackspeaks.com/cds/  Join us on Facebook:  https://www.facebook.com/TouchedByHeaven.TrapperJack Follow us on LinkedIn: https://www.linkedin.com/in/trapperjack/ Join us on X/Twitter: https://x.com/TrapperJack1  

The Packernet family gathers on Christmas Day to process one of the most gut-wrenching losses in recent memory. We dominated the Bears for 58 minutes, held a 10-point lead with two minutes left, and watched it all slip away on a botched Hail Mary that sent Jordan Love to concussion protocol. Callers from across the country phone in to vent, reflect, and somehow find hope amid the chaos. Randy from Minnesota reminds us not to let two minutes erase 58 minutes of dominance. Beer Cheese Benny brings the Christmas spirit and drops some truth about keeping football in perspective. Arles takes us on a walk through Packernet history, sharing how this community has grown since 2017. JD the Music Man breaks down why the Bears are frauds who capitalize on opponent mistakes rather than generating their own success. And through it all, the dream of playoff revenge at Soldier Field keeps the faithful going. The playoff picture is murky but not hopeless. A win Saturday clinches our spot. And if destiny wants us as the seven seed again? That's exactly where we were in 2010. Go Pack Go. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Help keep the show growing and check out everything I'm building across the Packers and NFL world: Support: Patreon: www.patreon.com/pack_daddy Venmo: @Packernetpodcast CashApp: $packpod Projects: Grade NFL Players ➜ fanfocus-teamgrades.lovable.app Packers Hub ➜ packersgames.com Create NFL Draft Big Boards ➜ nfldraftgrades.com Watch Draft Prospects ➜ draftflix.com Screen Record ➜ pause-play-capture.lovable.app Global Economics Hub ➜ global-economic-insight-hub.lovable.app

The Packernet family gathers on Christmas Day to process one of the most gut-wrenching losses in recent memory. We dominated the Bears for 58 minutes, held a 10-point lead with two minutes left, and watched it all slip away on a botched Hail Mary that sent Jordan Love to concussion protocol. Callers from across the country phone in to vent, reflect, and somehow find hope amid the chaos. Randy from Minnesota reminds us not to let two minutes erase 58 minutes of dominance. Beer Cheese Benny brings the Christmas spirit and drops some truth about keeping football in perspective. Arles takes us on a walk through Packernet history, sharing how this community has grown since 2017. JD the Music Man breaks down why the Bears are frauds who capitalize on opponent mistakes rather than generating their own success. And through it all, the dream of playoff revenge at Soldier Field keeps the faithful going. The playoff picture is murky but not hopeless. A win Saturday clinches our spot. And if destiny wants us as the seven seed again? That's exactly where we were in 2010. Go Pack Go. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Help keep the show growing and check out everything I'm building across the Packers and NFL world: Support: Patreon: www.patreon.com/pack_daddy Venmo: @Packernetpodcast CashApp: $packpod Projects: Grade NFL Players ➜ fanfocus-teamgrades.lovable.app Packers Hub ➜ packersgames.com Create NFL Draft Big Boards ➜ nfldraftgrades.com Watch Draft Prospects ➜ draftflix.com Screen Record ➜ pause-play-capture.lovable.app Global Economics Hub ➜ global-economic-insight-hub.lovable.app

There has been a 19% drop in the number of international students arriving in the U.S. compared to last year, according to government data. Education journalist Kavitha Cardoza talks about the impact of the Trump administration on international students. Then, Esther Phillips was a hugely popular teenage R&B singer who, in 1962, recorded the top-10 hit "Release Me." That success would lead to the album "The Country Side of Esther Phillips." But the record fell into obscurity. Journalist Michael Hall talks about Phillips' legacy. And, this Sunday marks 50 years since the original iconic Hail Mary football play. Hall of Fame receiver Drew Pearson relives the moment.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Nate Tice & Charles McDonald join forces to preview the biggest games of NFL Week 16. The two hosts start by getting Lost in the Sauce on their three favorite games of the weekend, previewing both sides of the ball for Jacksonville Jaguars @ Denver Broncos, Green Bay Packers @ Chicago Bears and New England Patriots @ Baltimore Ravens.Next, Nate & Charles reveal their key matchups to watch in Cheat Sheet as they preview a huge divisional battle with the Tampa Bay Buccaneers taking on the Carolina Panthers, plus the Pittsburgh Steelers @ Detroit Lions on Sunday afternoon.The duo wrap things up with the Hail Mary bold predictions for the weekend, as Charles discusses a sneaky hoss fight between Josh Allen and Myles Garrett while Nate predicts a turnover-heavy day between Bo Nix and Trevor Lawrence. Plus, Nate gets a grievance off his chest that you need to hear about people severely underrating the newest generation of quarterbacks.(2:15) - Jaguars @ Broncos(28:40) - Packers @ Bears(53:45) - Patriots @ Ravens(1:16:15) - Buccaneers @ Panthers(1:26:15) - Steelers @ Lions(1:30:00) - Hail Mary predictions(1:36:05) - Stop underrating modern quarterbacks Subscribe to Football 301 on your favorite podcast app:

It's the early 1990s and video games are about to go 3D. And in a Denny's in Silicon Valley, three engineers are plotting to cash in on the transition with a startup called Nvidia. But when they misjudge the market, CEO Jensen Huang will have to pull off a multi-million dollar Hail Mary to save it from ruin.Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to Business Wars on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App or on Apple Podcasts. Start your free trial today by visiting wondery.com/links/business-wars/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nate Tice & Charles McDonald join forces to preview the biggest games of NFL Week 15. After some quick opening thoughts on the 2026 quarterback class, the duo start by getting Lost in the Sauce on their three favorite games. Nate & Charles break down both sides of the ball as they deep dive on Buffalo Bills @ New England Patriots, Detroit Lions @ Los Angeles Rams and a hoss fight of a matchup featuring the Green Bay Packers @ the Denver Broncos.Next, Nate & Charles dive into their Slop Watch picks, including Philip Rivers and the Indianapolis Colts taking on the monster Seattle Seahawks defense and the Miami Dolphins trying to play spoiler against the Pittsburgh Steelers. The two hosts wrap things up with their Hail Mary bold predictions for Week 15, as Nate predicts a big win for the Kansas City Chiefs and Charles forecasts a huge rushing day for the Bills.(6:50) - Bills @ Patriots(28:10) - Lions @ Rams(50:05) - Hoss Fight of the Week: Packers @ Broncos(1:10:15) - Slop Watch: Colts @ Seahawks(1:19:00) - Slop Watch: Dolphins @ Steelers(1:25:50) - Hail Mary bold predictions Subscribe to Football 301 on your favorite podcast app:

To love Mary doesn't mean our hearts belong any less to Jesus. Today, the Catechism explains our Blessed Mother's role in prayer and why the Catholic Church prays in communion with her. We also explore the origin behind the Hail Mary prayer and other prayers to Mary throughout the Church's history. Lastly, Fr. Mike reflects on the tenderness and strength of Mary's motherhood that carries us through the difficulties of our lives. By uniting our prayer to her prayer, we unite our trust with her perfect “Fiat.” Today's readings are Catechism paragraphs 2673-2682. This episode has been found to be in conformity with the Catechism by the Institute on the Catechism, under the Subcommittee on the Catechism, USCCB. For the complete reading plan, visit ascensionpress.com/ciy Please note: The Catechism of the Catholic Church contains adult themes that may not be suitable for children - parental discretion is advised.