Podcasts about how does

Checkout ASUS ExpertBook P Series: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.flipkart.com/asus-expertbook-core-ultra-storeGet your hand-picked playbook here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.figuringout.co/pdf/fo-536Guest Suggestion Form: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/bnaeY3FpoFU9ZjA47⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners.Order 'Build, Don't Talk' (in English) here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.eu/d/eCfijRu⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Order 'Build Don't Talk' (in Hindi) here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.eu/d/4wZISO0⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Our Whatsapp Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.whatsapp.com/channel/0029VaokF5x0bIdi3Qn9ef2J⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(00:00) - Intro(03:35) - What Is Rocket Science?(12:21) - How Does the Human Body Feel in Zero Gravity?(21:20) - Is Urine Really Recycled in Space?(26:36) - Did He Take Indian Food to Space?(29:30) - How Do Astronauts Sleep in Space?(33:47) - Why Do Astronauts Breathe Pure Oxygen Before a Spacewalk?(44:16) - Which Country Has the Most Advanced Space Program?(46:58) - How Can a Small-Town Kid Become an Astronaut?(57:45) - The Letter He Wrote to Himself at 14(1:01:53) - His Journey From NDA to Fighter Pilot(1:06:43) - Sitting in a Fighter Jet for the First Time(1:09:43) - The Craziest Thing He's Done in a Fighter Jet(1:13:16) - The World's Best Fighter Jets(1:19:12) - How Did He Become a Test Pilot?(1:24:01) - Why He Decided to Become an Astronaut(1:27:43) - The Astronaut Selection Process Explained(1:35:47) - The Letter He Wrote to His 14-Year-Old Self(1:37:47) - One Piece of Advice Nobody Should Follow(1:40:58) - Behind the Scenes(1:42:06) - OutroIn today's episode, we sit down with Group Captain Shubhanshu Shukla IAF test pilot, Gaganyaan astronaut, and the first Indian to reach the International Space Station for one of the most extraordinary conversations we have ever had.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Raj ShamaniRaj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.To Know More,Follow Raj Shamani On ⤵︎Instagram @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/rajshamani⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook @ShamaniRaj ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/shamaniraj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - Raj Shamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Figuring OutFiguring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

Dr. Robyn Nadolny is a Biologist and the Chief of the Vector-Borne Disease Branch at the Defense Centers for Public Health at Aberdeen Proving Ground, MD (DCPH-A). The flagship program of the Vector-Borne Disease Branch is MilTICK, a free, rapid tick-testing program for military beneficiaries. The results provide a tool in the diagnostic toolbox for military beneficiaries, and Dr. Nadolny uses the passive surveillance data generated to better understand changing tick-borne disease dynamics and mitigate risks to US Service Members and their communities. She is also working on tick-borne disease surveillance projects worldwide to support military communities. Dr. Nadolny came to DCPH-A in 2016 after completing her PhD in Ecological Sciences from Old Dominion University (ODU) in Norfolk, VA. She also holds a M.S. in Biology from ODU, and a B.S. in Ecology, Evolution, and Behavioral Biology from Beloit College in Beloit, WI. Her research focuses on the prevention of tick-borne disease through understanding and breaking tick-host-pathogen-environment cycles. Dr. Nadolny has co-authored over 30 peer-reviewed publications and is interested in the intersection of ecology and public health.In this episode, we discuss the types of diseases that can be transmitted to military personnel (and anyone else) through ticks, how those diseases work, where and when the risk is greatest, and what you can do to protect yourself. To visit the MilTICK site, which you can use to understand the risk of tick-borne disease at your military installation and submit ticks for testing, go here:https://ph.health.mil/topics/entomology/kits/Pages/HumanTickTestKitProgram.aspxThere are also many civilian labs where you can submit a tick for testing at a low cost. For example:Pennsylvania Tick Research Lab: https://www.ticklab.org/Old Dominion University, Virginia: https://sites.wp.odu.edu/tick-team/what-we-do/tick-testing/sending-us-your-ticks/Ticknology: https://www.ticknology.org/order-testTimestamps:00:23 Introduction to Dr. Robyn Nadolny01:48 What are the Most Common Diseases Spread by Ticks?03:24 Lesser Known Tick-Spread Diseases07:19 Alpha Gal: It's Not Just Beef Off the Table 09:27 The Implications of Lyme Disease14:16 How Does the Body React After Multiple Tick Bites?16:06 Rates of These Diseases 18:21 What Terrain Do Ticks Prefer? 21:31 What Time of Year are Ticks the Worst?23:13 Tick Life Cycles  27:56 Soldiers Protecting Themselves from Ticks in the Field33:19 Dealing with a Tick Bite in the Field37:41 Prevalence of Diseases in Ticks42:34 Vaccines for Tick-Borne Diseases for Pets and People45:45 Treated Clothing and Repellents48:21 OutroSend us a message

The 10 Commandments Q+R (E16) — How do modern artistic depictions of God and Jesus relate to the 2nd Commandment? How do we honor aging parents well or honor abusive and dangerous parents? And how do the 10 Commandments stand apart from other ancient Near Eastern law codes? In this episode, Tim and Jon respond to your questions from the 10 Commandments series. Thank you to our audience for your thoughtful contributions to this episode! CHAPTERS Intro (0:00-1:23) How Do the 10 Commandments Stand Apart From Other Ancient Near Eastern Law Codes? (1:23-10:50) How Do Modern Artistic Depictions of God and Jesus Relate to the 2nd Commandment? (10:50-18:24) Can We Diminish God by How We Talk About Him (Like Saying, “God Is Love”)? (18:24-25:17) How Do We Honor Aging Parents Well or Honor Abusive and Dangerous Parents? (25:17-34:56) How Does the 6th Commandment Apply to Killing in Military Combat? (34:56-52:52) What Are Other Positive Implications of the 8th Commandment? (52:52-58:03) Conclusion (58:03-1:01:29) OFFICIAL EPISODE TRANSCRIPT View this episode's official transcript. REFERENCED RESOURCES In the first question, Tim references our Biblical Law video and the following podcast episodes: The Purpose of the Law The Law as a Covenantal Partnership God's Wisdom in the Law The Law as a Revolution Jesus Fulfills the Law Law Q+R In the first question, Tim references other ancient law codes, such as the Babylonian Code of Hammurabi and the Mesopotamian Laws of Eshnunna. Created Equal: How the Bible Broke with Ancient Political Thought by Joshua A. Berman In the second question, Tim references our 2015 Covenants video as an example of a time when we revised a video after further reflection. Originally, God was depicted as an old man with a beard, and we later updated the video to show only hands representing God. Language for God in Patristic Tradition: Wrestling with Biblical Anthropomorphism by Mark Sheridan War, Peace, and Violence: Four Christian Views, edited by Paul Copan Fight: A Christian Case for Nonviolence by Preston Sprinkle The Ten Commandments: Interpretation: Resources for the Use of Scripture in the Church by Patrick D. Miller Find the 10 Commandments full collection of video, podcast, and written resources here. Check out Tim's extensive collection of recommended books here. SHOW MUSIC BibleProject theme song by TENTS  SHOW CREDITS Production of today's episode is by Lindsey Ponder, producer, and Cooper Peltz, managing producer. Tyler Bailey is our supervising engineer, who also edited today's episode and provided the sound design and mix. JB Witty writes the show notes. Our host and creative director is Jon Collins, and our lead scholar is Tim Mackie. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the TPR Podcast, hosts Matthew and Micah delve into the intricacies of the prospect process, focusing on how to effectively close meetings and discuss fees with potential clients. They emphasize the importance of transforming clients' lives through structured financial planning and overcoming the anxiety that often accompanies fee discussions. The conversation highlights the need for advisors to have a clear process, practice their delivery, and understand the value they provide to clients. By addressing common pitfalls and providing actionable insights, the hosts aim to empower financial advisors to enhance their client engagement and ultimately grow their practices. How Does a Prospect Say Yes?  [Episode 357] Resources in today's episode: - Micah Shilanski: Website | LinkedIn - Matt Jarvis: Website | LinkedIn - Learn More about our Coaching Programs  

How Does a 21-Year-Old Become One of America's Top American Ninja Warrior Competitors? At just 21 years old, Colton Skuster has already competed in four seasons of American Ninja Warrior, earning a reputation as one of the competition's most exciting and determined athletes. In this inspiring episode of The Motivation Show, host Eli Marcus sits down with Colton to explore the training, mindset, discipline, and mental toughness required to compete at the highest level on one of television's most demanding athletic competitions. Colton shares how he developed the confidence to perform under pressure, what he learned from both success and failure, the story behind competing in a monkey suit, and the daily habits that continue to drive his pursuit of excellence. • How Colton grew up in Salt Lake City, Utah • When he realized he had the potential to become an elite athlete • How competitors qualify for American Ninja Warrior • The toughest obstacles he's faced—and how he prepared to conquer them • The mindset that helps him stay calm under intense pressure • Lessons learned from victory, disappointment, and perseverance • The surprising story behind the famous monkey suit • The habits that build confidence, resilience, and mental toughness • His future goals, career aspirations, and next big challenge Whether you're an athlete, entrepreneur, student, or simply striving to become your best, this conversation offers practical insights into mental toughness, peak performance, resilience, and achieving extraordinary goals. If you're a fan of American Ninja Warrior or you're looking to develop greater mental toughness, resilience, and peak performance, this episode is for you.

Every animal is telling you something. The real question is whether you're paying attention. I sit down with animal behavior expert Hanne Grice to explore what our pets reveal about trust, stress, communication, and even ourselves. Drawing on nearly 20 years of experience, Hanne explains why behavior is never random, why outdated dominance theories continue to harm animals, and how curiosity leads to better relationships with both pets and people. We also discuss guide dogs, emotional regulation, grief, parenting with dogs, and the science behind building trust through predictability and choice. I believe you'll find this conversation valuable whether you share your life with animals or simply want to become a better leader, communicator, and observer of those around you Highlights: 05:47 – The biggest breakthrough in animal behavior starts with changing the human. 09:35 – A common belief about dog dominance is challenged by modern science. 20:34 – Jane Goodall's work transformed how we understand animal emotions and personalities. 31:02 – Hidden medical issues often explain behaviors owners mistake for disobedience. 45:14 – Giving animals more choice can reduce stress and strengthen trust. 58:21 – Remarkable stories show how animals have influenced history in unexpected ways. About the Guest: Hanne Grice is a UK Clinical Animal Behaviourist, Certified Trainer, and award-winning educator who specialises in the science of human–animal relationships. She founded Hanne Grice Pet Training and Behaviour in 2006 and has supported thousands of families across dogs, cats, and small companion animals. Her work centres on evidence informed welfare, behaviour change, and practical strategies that help people and their animals nurture stable, healthy relationships. Alongside clinical practice, Hanne lectures at the postgraduate level in applied animal behaviour, human–animal interactions, and the psychology that shapes how people understand and interact with their pets. She previously served on the Board of the UK's Animal Behaviour and Training Council. When her tenure concluded in July 2025, she was appointed an Honorary Individual Member in recognition of her outstanding contribution to the charity's mission to raise and protect professional standards. Hanne is known for making science accessible. Her “How Does…” series explores everyday behaviour across species, and her “Animals in History” films examine the remarkable roles animals have played across cultures and time. She is the author of Playing with Your Dog (2010), a practical guide to enriching the lives of companion animals through evidence-informed play. Her research includes studies on dog–owner relationships during pregnancy and early parenthood, as well as ongoing work on behaviour change techniques for animal professionals. She continues to develop tools that bring together behavioural science, practical welfare, and effective communication, helping owners and practitioners create environments where animals feel safe, understood, and able to thrive. Ways to connect with Hanne**:** Hanne Grice YouTube: Hanne Grice Pet Training & Behaviour - YouTube Facebook: Hanne Grice Pet Training and Behaviour Instagram: Hanne Grice on Instagram LinkedIn: Hanne Grice | LinkedIn TikTok: Hanne Grice (@hannegrice) | TikTok https://youtube.com/playlist?list=PLOf6YEUpLhiktobqDFUSrjuXKBQUW_xyz&si=T9593esdANzVVYoM https://youtube.com/playlist?list=PLOf6YEUpLhik4U80OJWUMHd5JwbDNZbwd&si=atOLyb_foY_7AVjs   https://learn.hannegrice.com/ https://shophannegrice.com/ https://amzn.to/4pxuzfv  About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson  00:03 One of the biggest things holding you back isn't what's in front of you, but rather what you believe. Welcome to Unstoppable Mindset, where inclusion, diversity, and the unexpected meet. I'm your host, Michael Hingson, speaker, author, and advocate for inclusion and possibilities. This podcast explores how the beliefs we carry shape the way we live, lead, and connect with others. Each week, I talk with people who challenge assumptions, face adversity head on, and show what's possible when we choose curiosity over fear. Together we focus on mindset, resilience, and the small shifts that lead to meaningful change. Let's get started. Hi everyone, I am Mike Hingson, or you can call me Michael Hingson, just to make sure you get the Hingson part right. I am the host of Unstoppable Mindset, and today we get to chat with Hanne Grice from over in the well, across the pond, shall we say. So it's later in the evening there, and she was just telling me that her children celebrate Christmas tomorrow because they also have another Christmas to celebrate on Thursday, so I might be jealous. It is being recorded by the way two days before Christmas in 2025 and we're looking forward to it. Hannah is an animal behavior, she's an expert in all of that. She's done a program called How Does, which I'm interested to learn more about. She is also founded other organizations dealing with training, I think, probably more humans than pets, but all about pet training and developing relationships. Just before we came on, we were talking about a couple of our kiddies, and I should tell you, Hanne, I had a guide dog, my second guide dog, Holland, who was a golden retriever, lived 15 years, so he lived a long time, and was actually three weeks from retirement when he collapsed, and I think had a stroke and a heart attack, and the vet said we could bring him back, but he wouldn't have a good quality of life, so, but we were only without a guide dog for three weeks, but anyway, with all that aside, Welcome to Unstoppable Mindset. We're glad you're here. Hanne Grice  02:34 Thank you so much for having me. It's an honor, and I'm sorry to hear about Holland. So, thank you for sharing that. Michael Hingson  02:42 Well, here's a wonderful puppy dog, and now we have Alamo, who will be 10 years old on the 14th of May, and he will have been a guide dog for me for eight years on the 24th of February, and that's especially interesting because the 24th of February is my birthday, so I regard Alamo as a wonderful birthday present, which is kind of cool. Speaker 1  03:17 That is cool. And how long, Michael, would you typically have a guide dog for when do they typically retire. Michael Hingson  03:24 Typically it's an average thing. It really is all a question of how the guide dog is doing, and so on, because it's a very stressful job, but it's also up to me to keep the stress as low as possible. But typically it's, it's six to eight years, and I expect Alamo to work and be around for quite a while, yet he's just doing really well and isn't showing much age, and I'm happy with that. And then Stitch is going to be 16 in January, so we guess we rescued her back in 2015 and and so she's she's been around, and the two get along pretty well together. They don't chase each other or anything like that, but, but they do communicate, and they talk, and they touch noses, and all that. And every so often, Stitch steals Alamos bed, and poor Alamo doesn't know what to do about it, because Stitch has claws, and he knows it. So he just goes and finds another place to collapse until she leaves. Speaker 1  04:20 Yeah, cats and dogs, they find a way, but two of the species that I work very closely with, so yeah, and a testament to the quality and type of relationship that you have with them, that they're aging so well. So that's great to hear. Michael Hingson  04:36 One of the things that I insist on when I'm having to get a new guide dog, which I don't anticipate doing for a long time yet, but one of the things that I insist is that any guide dog I get has to have been raised around cats and get along with cats. I've seen a couple of guide dogs that are cat haters, and I would never want that kind of thing, especially when it's such an. Easy distraction when that happens. Speaker 1  05:02 Yeah, yeah, I can't imagine what it'd be like if suddenly you're finding yourself careering down the street, right? My dog was chasing the neighbor's cat, not good, not good for any of the animals or human involved. So, yeah, Michael Hingson  05:15 my fourth guide dog, Lynn, loved to chase rabbits, now not out of any kind of meanness or anything like that. She just wanted friends, and she loved to visit my first guide dog, Squire, when we were in Boy Scouts, and went to a camp one on a camping trip one weekend. Actually, caught a road runner, and we discovered that the road runner had a broken leg, but we fixed it, and the road runner took off, but again he just wanted to talk. He never hated any animal, and you know, none of my guide dogs have ever done anything, except they've never known a stranger. Everyone is a friend to them, people in and animals, which is great, Speaker 1  05:58 and that's what I love about my job, Michael, because I am, and you said at the start I'm working with animals, but predominantly it's the humans that engage my services, it's the humans that are looking for help and support with their animals, and so when any of my students or young and aspiring clinical behaviorists or trainers say to me, "Oh, I want to do this job because I love animals. I don't like people. I always say, well, you're going to be in the wrong job. You have to like humans as well, because they're the ones that really you're working with to help change their animals' behavior, and they pay the bills. Michael Hingson  06:36 Well, since you do work a lot with training animals and so on. Have you had any success at training politicians? I mean, there's an animal for you. Speaker 1  06:44 I have had all sorts of clients on my books, from the rich and famous to sportsmen and politicians, so I can't disclose names. However, what I will say is I have successfully used my effective consulting skills on humans to reframe, because actually, if we think about when they engage my services, usually it's because there's a fractured pet owner relationship. For example, you might have a dog that's lunging at other dogs, or you know, the cat that's attacking another cat in the household, and by the time they come to me, they're really frustrated. They're labeling their animals as naughty, and actually, my role is to take an investigative approach, look at all the evidence, and help the clients understand, you know, why the animals are doing what they're doing, what's the function, and usually we start to see that human mindset shift when they have that understanding, and that's incredibly powerful, because you know once we get that human understanding, the behavior change in animals then follows, so it really does begin with the insight in the humans. Michael Hingson  08:04 Really good point. I've seen a lot of people interacting with guide dogs, and some of them get very nervous, especially when they get lost or something isn't going exactly the way they want. When the reality is that nervousness translates to the dog, and the fact is that the dog gets stressed out because their person is stressed out, and I think there's a lot of truth to what the dog whisperer, Caesar Milano, says, is that it's that the dogs are looking for a pack leader, they want the humans to do it, but when some of these people get so nervous, they stress out the dogs, and that has a significant effect on the lifespan. A guiding is is very stressful, and the dogs take it very seriously and want to do a good job, and they want to know that they're doing a good job, and if you get stressed, Michael Hingson  08:59 it's a problem. Speaker 1  09:00 Absolutely, what I would say is it's more scientific in the sense that when we look at the evidence out there in terms of how our animals influence us and vice versa, it tends to be much more subtle. Michael Hingson  09:18 Yeah, Speaker 1  09:19 for example, animals do act as a stress buffering mechanism, for example, if we're feeling worried about something or unsettled, if we see our dog lying, you know, calmly by our feet, we're going to pick up on those cues, and that will help us settle, and there's a good amount of evidence, as you'll be aware, Michael, of, you know, how animals can lower our heart rates, our breathing rates, they can reduce our stress hormone levels, but what's interesting is that doesn't happen in isolation, and over time humans and their animals do fall into these shared rhythms, like you're talking about. So essentially, we are synchronizing things like our routine, our movement. Our emotional states, and so that synchrony does work both ways, and when to your point, as our stress levels rise or our routines become unstable, absolutely our animals will often reflect that, and it's not about leadership at all, it's actually about emotional, our emotional regulation, or inability to regulate that, exactly Michael Hingson  10:23 right, Speaker 1  10:24 or have stable routines, and you know, certainly we saw the impact animals had for us during the pandemic, you know, lots of people lost that social contact, they lost their structure, and so their animals became anchors for routine and emotional stability, so this also helps explain why researchers, as well as our lived experiences, show that attachment to our pets can rival or even exceed some of those that we form with people, and that also explains why when we look at grief, when we lose a pet, and you talked about your gorgeous Holland, and you know your previous guide dogs, you know that that loss of a pet can be as intense as you know when we lose a close friend and a partner. So, back to what you were saying, yes, there's lots of evidence to show heart variability synchronizes, you know, cortisol blood cortisol levels will synchronize, you know, but it's, it's more than sort of some of the popular culture would have us believe in terms of alpha and leader, and I think if there's one thing I could burst a bubble on, it would be around that notion about that the dog is trying to dominate us or take control, and the reason being is because it all comes down to some outdated and flawed research from the 1940s that was then attempted to replicate in the 70s, and as I said, the research design was deeply flawed. It was mixing captive balls from different groups together, so, of course, there's going to be fighting, and so I guess for anyone listening, I would like them to just be really aware that dominance isn't a personality trait, it simply describes a relationship between individuals in a specific context, so when your dog is sat next to you at home, they're not plotting to take over the household, they're not like, you know, Dr. Evil in Austin Powers, they're not trying to take over the world, they're when we see the behaviors like the chasing after the road runner, or the lead pulling after the neighbor's cat, or the growling when they're being touched for grooming, or when they're guarding objects, those behaviors are usually linked to fear or frustration, learning history, even pain, and so when we look through things with a dominance lens, that alpha lens, it attempts to explain animal behavior without actually helping the animal. Do you know what I mean? So, yeah, so when we fish shift, I should say our focus to understanding what's actually driving that behavior, how is that environment, or how's the handling from that individual contributing or compounding the issues that people are coming to me to get help with? You know, what does the animal need to learn instead? Then we get actually better welfare outcomes and much more reliable behavior change done in a science-led, ethical, humane way. Michael Hingson  13:45 Well, I was talking about Squire chasing the Roadrunner. It is my, and it's always been my opinion that Squire was the first one to see that that that bird was injured, and I am absolutely certain that he would never have been able to catch the road runner if that road runner had been able to go at full speed, but the, but the bird had a broken leg, and we fixed it, you know, we taped it, we split it, and then the bird ran away, and Squire didn't, didn't follow it, but I think that there was a sense, and I'm still convinced to this day that that was the case, and I don't want my dogs to be afraid. My previous guide dog to Alamo, actually not even Africa, but going back to Roselle, who was with me in the World Trade Center, Roselle was afraid of thunder. Now she didn't start out being afraid of thunder, but we really didn't know how to deal with it, probably correctly, and she developed this phobia, so that she could even sense when a storm was coming before it got to us, and we worked to calm her down as much as we could, but she was our early warning system for. Storms, and you know, but that was also one of the reasons that I knew on september 11 that we were going, you know, that we didn't have to just rush out of the office like crazy people, because she wasn't reacting after the building was struck, she wasn't reacting with any kind of fear evidence at Speaker 2  15:24 all. Michael Hingson  15:24 Mostly she was yawning and going, "Who woke me up? You know, and, and the bottom line is that she didn't sense anything, and I wasn't smelling any smoke, and I knew that whatever was going on wasn't such an imminent emergency that we couldn't try to evacuate in an orderly way, and, and that's what happened, but I, you know, I have a question for you. How did all this start for you? So, tell us a little bit about the early Hanne growing up, and how did you get into the whole idea of dealing with animals and starting this whole process? Speaker 1  15:56 Well, partly stories like yours, fascinating, absolutely fascinating. Um, so as a child I, there's a big age gap between my brother and my sister and I. So I was the youngest, and I was always fascinated with human animal interactions anyway, but because I think my siblings, where they were so much older, my animals were really my constant companions, and so that's where the deep love of a range of species started, and I was very lucky in that I think because there was such an age gap and my brother and sister weren't around, my parents were sort of, yeah, you can have another rabbit, you can have a stick insect, and it was kind of just keep it quiet, and then I'd be busy with my animals, and then as I sort of grew up, became more aware, as you do, into your sort of preteens and then teens, was really interested in watching how people behaved around their pets, which comes back to some of the stuff you were saying earlier, doesn't it, and I became really curious as to why someone could describe themselves as an animal lover, yet use methods or make choices that clearly compromised the animal's welfare, so that really fascinated me, and I can't pinpoint it to a single defining moment, but certainly I wasn't fortunate to, unlike my students nowadays, because I also lecture, they can do what I do as a degree. When I was growing up, it was vet or very nursing, so it took a while before I could viably get onto the degrees and masters to specialize, but I think for me what continues to motivate, and I'll be 20 years in practice in 2026 is the, the impact, positive impact my role can have on the human animal relationship, in the sense that you know they can, they can come to me, and they're at the brink of despair, the clients, because they've maybe looked at the internet, they've asked well-meaning friends, they may have gone to other professionals, and nothing seems to be working. And actually, you know, it takes further exploration. I can detect stuff that might not be picked up before, because I'm taking like a detective approach, looking at medical history, looking at the owner reporting, asking questions, observing the animal, and all of that information can then lead me to determine, okay, what's going on, and how we approach it, and so when done robustly and systematically that shift in the relationship starts to improve, because they better understand one another, and when an animal starts to go, "Hey, you're listening to me, you're getting what I mean when I kind of do x, y, or z in terms of behavior. That's when the shift happens, and for me, the magic and what really motivates me doing this job day in day out is improving the human animal relationship. Michael Hingson  19:06 Was there any defining moment that caused you to say, yeah, this is exactly what I want to do with the rest of my life, or was it just sort of a gradual thing? Speaker 1  19:17 Oh golly, I mean that for me it's it's a bit like, you know, if you ask something, somebody like an artist to do a painting, at the end of it, there's the finished picture, and for me, I liken it, it's like lots of little building blocks to get to that end picture. For me, the magic really is, is seeing a fractured relationship repair and be better than it was, and so there's been many, many moments over 20 years in my career where that's happened, and those glimmers, as I call them, of what I celebrate, and it's very easy for us all, isn't it, to have those negative ninny moments, those imposter sounds. Syndrome moments, and I hold on to all the reviews, or the little texts that I get when my clients go, "Hey, I walked past another dog, and my dog kept his call, you know, yay, you know, they're the things that drive me and motivate me to keep going, because some of the cases I work with are really heavy, you know, take quite a lot of emotional toll, and I guess that's the stuff that you know the every person doesn't see with clinical behaviorists, is that we do lay in bed at night worrying about other people and their animals. Michael Hingson  20:30 Yeah, I know what you're saying. Coincidentally, just this morning I was reading an article about people we lost in 2025 and of course, one of the people mentioned one of the trailblazers, as the New York Times put it, was Jane Goodall. Have did you ever meet her? Have you had any interactions with her? Because one of the things that they talked about was that she took a completely different approach to interacting with chimpanzees and truly developed a personal relationship. She named them, and she became accepted by them. That really was.. I don't want to say amazing, because I don't think that kind of thing is amazing, but that really just told me how much she obviously understood. Did you ever meet her, or get to deal with her at all? Speaker 1  21:20 I really wish that would have been amazing. Jane Goodall is one of the most inspiring people, you know, in my opinion, and I'm really glad you mentioned her, Michael, because she, her work really paved the way for us to understand back in the 70s, really, that animals have personalities. Michael Hingson  21:45 Yeah, Speaker 1  21:46 because it was, it was months and years of taking things really slowly, being really unintrusive, observing. It took many years for her to be accepted around the truth, because they can be really dangerous animals, and so, and that was a really good example, you know. I was saying earlier about taking things slowly and systematically, and she recognized that chimpanzees were individuals, they had different emotions, just like us, they had different personality types that didn't really change as they grew, and it was through her work, particularly with one called David Graybeard, that led to her sort of gaining more public awareness, and she had her critics, you know, at the time they thought she, oh Michael Hingson  22:35 sure, Speaker 1  22:36 she was a bit like Diane Posse, they thought she was some sort of crazy lady who was terribly anthropomorphic, and that wasn't the case at all. No, so you know it's it's real leaders in, in the field, like Jane Goodall and the Diane Fosses, that that has paved the way for the likes of me to then go, yes, our animals have emotions. It wasn't, you know, Darwin led the way in the 1800s with the first idea of this, but you know it's not that long ago that really we thought animals were just unthinking, you know, blobs that you know were incapable of feeling pain, and sadly even today in social media we see some awful advice given out to cat or dog owners about how you deal with problems in order to have a quick fix, you know, and that's not the case at all. So, yeah, I'm really happy you brought her up, because, yeah, amazing lady. Michael Hingson  23:35 Well, I don't remember exactly when it occurred, it was sometime when I was 10 or 11, sometime in the very early 60s. She came and lectured in the area where I grew up, in the Antelope Valley, and my parents and I did go to see her. I don't remember anything about the lecture, but it was.. I know it was.. it was interesting, and I wish I could remember more of it, but that was the only time that we were ever close to her, but it was, it was fascinating, and of course, knowing about her life and the things that she did, I absolutely understand and agree with you. When I worked, which I did for Guide Dogs for the Blind for six and a half years, we lived in Northern California, about seven miles from Guide Dogs for the Blind, and literally just down the street from the Marin Humane Society, which is one of the more famous and well-known organizations of its type in the United States, and talking to some of their people, they, they said, How so often it's not really training the animals that is what we're dealing with here, it's training the humans, and it is because it's the humans that really need to get a clue and understand that these animals have as much of a personality and as much knowledge to share. As we do, and are born with more instincts, and we could learn to listen to our own instincts, if we would observe these dogs a whole lot more, and these animals a whole lot more than we do. Now, I don't know about cats, but you know that's another story. Speaker 1  25:13 Yeah, yeah, we often like to label. Yeah, that's fascinating. That's super cool that you got to see her in the 60s, even if you can't remember what she said, that's really impressive. I remember Michael Hingson  25:28 doing it, but that was about that's about it, actually. Speaker 2  25:32 Yeah, wow, that's Michael Hingson  25:33 kind of fun. Yeah, if Speaker 3  25:38 you enjoy Unstoppable Mindset and would like to help us continue bringing these conversations to you each week. We've created a way for you to support the show. Your contribution helps us cover production costs and continue sharing stories, insights, and ideas that inspire people to live with purpose and possibility. If supporting the podcast feels right for you. You'll find the link in the show notes. Thank you for being part of the Unstoppable Mindset community, Michael Hingson  26:11 but you know the fact is that animals really can contribute a whole lot more to our lives than we think, and we just need to be the ones to take the initiative and develop the relationships. I talk to people all the time about dogs, and I say that dogs, and I firmly believe, do love unconditionally, unless there's some horrible thing that happened to them that that affects their, their views, but dogs love unconditionally, but they don't trust unconditionally. The difference, though, between dogs and people is that dogs are more open to trust, and they want to develop that trusting relationship. And if we would learn to do that as well, it would be such a wonderful thing. Now it can be that you will like with human to human trust, you might find that somebody doesn't earn your trust. That's okay. Then you move on, but we need to learn to be more open to trust than we than we tend to be. Speaker 1  27:14 Yeah, absolutely. Really well said. And you know, in terms of how do we develop secure, healthy bonds between us and our animals. It's built on several things, and that includes predictability, responsiveness, and emotional safety. That's your trust bed, isn't it? And so one of the clearest findings that we have from attachment research is that animals cope better when they can predict how their humans going to respond. Michael Hingson  27:46 Yes, Speaker 1  27:47 and when their attempts at communication are noticed and make sense to the animals. So, for example, in everyday life, you know, this might look like your dog pausing or turning their head when we're reaching out to stroke them, or it might be the cat choosing to leave a stroke as you're attempting to reach out to their cheek, and how we recognize this as the human would be to go, "Oh, okay, I'm going to ease off, because clearly you know you're turning your head, you're lip licking, that's telling me you'd rather I stop trying to reach out to pet your head or the cat walking way, I'm going to allow you to do that pussy cat rather than follow you and try and pick you up and give you a cuddle. So when handlers respond in those ways to their animals responses, the animals learn very quickly, hey, my communication works, and then that understanding strengthens the animal owner relationship, and another thing that plays into that, which is what I'm always talking to clients about, is processing time plays an important role in building healthy, secure relations, because often animals need much longer to take in information or decide how to respond, particularly if they're feeling emotionally aroused, unsafe, or trying to learn something new. And when we rush them, and a real good example of this is some my clients will ask the dog to sit, and if the dog doesn't do it within a split second, they're going sit, sit, they're repeating the cue over and over again, and that unintentionally puts pressure rather than giving clarity to the dog, and it can then often lead to confusion and even frustration, and that's going to show up behaviorally, so for example, we may end up with the dog, then jumping up at the owner or grabbing the lead and ragging it. So, I always say, look, if we slow down, if we allow space for the animal to process what we're asking them to do, if we respond calmly and consistently to their subtle cues that they communicate through body language. And so on, animals begin to expect safety rather than threat from us, and that expectation therefore reduces things like stress. It supports learning, it makes behavior much more resilient, because the relationship itself is secure, and these are the same principles that sit at the heart of child-parent attachment, where there's predictability, there's responsive caregiving, and that helps the child feel safe enough to explore and learn. Michael Hingson  30:32 It's also just as relevant for any kind of teaming relationship, even within companies, and the true leaders of companies who catch on to these kinds of things and learn how to communicate and process to determine whether somebody is truly understanding what they're communicating or not is an extremely important thing, because the fact of the matter is none of this is overly magical, whether it is between human and animal or human and human, but we do need to recognize the values and what it really is is meaning when, for example, we don't react to someone not doing instantly what we say, which isn't the way to do it. Speaker 1  31:17 Absolutely, yeah, really good example using principles that we see in leadership, HR, you know, and that's why when they're recruiting, they spend so much time typically looking at personality types, how that's going to match with the team, you know, so yeah, really good point there, Michael, about leadership and the importance of that people centric approach, which I think, with you know, sadly, you know, not to go too political, we're seeing real crazy times Speaker 2  31:47 at the moment, Speaker 1  31:48 and a lack of true leadership with that empathetic, human-centric approach, whatever side of the political spectrum you sit on. Michael Hingson  31:57 Yeah, and it is, it's all over. I hope something will come and break that pattern and get people to recognize what really should work and what really does work well in your case, even when you walk into a home, what is it that you observe, or how do you determine how an animal feels for the first time when you come in and see them before you really even get a chance to talk with their people. Speaker 1  32:25 Yeah, that's a good question. Animals, you were talking about Brazil and thunder, and she pick up on, you know, atmospheric changes. We know that biometric changes are picked off on by many, many non-human animals, so because they communicate using a combination of sensory information, be it sense, sound, visual signaling. I can walk into a client's house and immediately pick up on something. So, I'll give you some real examples. I recently had a case with Dusty Gorgeous Cocker Spaniel, and I was called in because she had developed severe resource guarding, so she'd get really growly and snappy, and sometimes bite the owner when she'd taken something of theirs, and they were trying to take it off them. As soon as I walked into Dusty's home, I could smell her, I could smell her ears, and that led me to suspect straight away there's some sort of likely infection going on here, and so working collaboratively with the vet, as clinical animal behaviorists do, that was confirmed, and the level of pain she'd been experiencing turned out to be a significant, significant contributory factor in her case for guarding, because guarding of the items provided some form of emotional regulation, whereas you know from an outsider's perspective she might have just been labeled naughty and disobedient, which isn't the case at all. Another example is I'm always watching how an animal moves, or how the owner interacts with them. How the animal, therefore, responds in return. And I touched on, you know, predictability a moment ago. And many stress signs that our animals will give us are really subtle and often misinterpreted. So let's take zoomies, you know, when the dog goes crazy around the lounge, and they may be jumping all over the sofas, etc. or humping the visitor, you know, the leg when the person comes in. Frequently, that's labeled as over excitement, or even dominance. When in reality, these are really often indicators of stress or discomfort, and small details also matter, so for example, the holding of breath or an increased blink rate, turning away from an outstretched hand. You know, these are really kind of brief moments that can be missed, and yet they tell us a huge amount of information. About how that animal was feeling about that interaction at that moment in time, and more recently I had a couple of cats, different cat cases, but urinating around the home, you know, up toasters on beds and sofas and things like that, and when, because I work with clients all around the world, as well as the UK, I can't always physically be there in person, so I'm reviewing the footage, and they managed to capture video of the cats moving around their environment, and then also urinating in their litter tray, and straight away I could spot the position of the whiskers, the eye shape, the ear position, the tension in the muzzle, the posture, and when they're moving around, and these were consistently scoring high on something called the cat groom miss scale, and that's a validated pain assessment Michael Hingson  35:54 tool. Speaker 1  35:54 So all of that information provided further investigation for the bet, and again, medical conditions are identified, and clearly you've got learning occurring anyway. So, there's always the behavior modification side, but these are just with dusty in the cat examples showing how there's often some other stuff like medical bits and bobs that are compounding the issues as well. Often I might be in a situation where you know the dog is belching or they're gnawing at their paws or their franks. Now that in itself can indicate perhaps gustatory issues or skin problems, but also context is critical because that's if that's happening when I'm there it could also be a stress sign, yeah, because an unfamiliar person, me, is present, so I'm looking at patterns, and does that happen when visitors aren't there, and and so on, and so on. So I come back to what I said earlier, really, it's like a detective, you're looking at all the evidence and piecing that together, and that then helps us understand what function is that undesirable behavior serving, whether that's the cat, you know, urinating against the toaster, or the rabbit scratching or biting the human. Michael Hingson  37:14 Well, so I've mentioned Roselle, one of the things that I was told when I first met Roselle, was she likes to steal socks, and, and I found that to be true. She loved to steal them and hide them, and that was it. She never chewed them up, but it, it really was a game, and we, we found socks in very strange places, and she actually, a couple times, stole my wife's slippers, but again, she stole them, and she hid them, and it was, she, she was very proud of herself. She thought it was a fun game, and you know, we never reacted negatively to it, because clearly it wasn't a bad thing. She didn't ever chew them up, so we knew it wasn't a bad thing, and we just accepted it as a game. Speaker 1  38:06 Yeah, yeah, and you know, partly if you think about, you know, her breed and species, partly that could be cashing, you know, partly it's fulfilling an entertainment function, as you said, a game, so yeah, and that will come down to her learning history before she came to you, and so on. So, yeah, really lovely example. She sounds like a complete poppet. Oh, Michael Hingson  38:28 I've always described her as a pixie by any standard, but, but yeah, she was, she was a wonderful dog, and the bottom line was it was also how we reacted to her, because if we had started to react in a negative way, that would have introduced stress, and that wouldn't have been a good thing either. Speaker 1  38:50 Yeah, absolutely. And you know, your story is is remarkable, and you talked about her and fireworks, yet she was so steady on that day, so I wonder, yeah, and I was just wondering, Michael, if, if I can ask you, you know, what do you think helped Friselle remain so steady in those conditions where many humans were being overwhelmed, understandably, on that day in 911 Michael Hingson  39:19 Well, I, I'm sure this won't totally surprise you, but I spent a lot of time before september 11 learning all I could about the World Trade Center, including what to do in the case of an emergency, and so I think that probably the most significant thing was probably Roselle was was looking at me and how I reacted and recognizing the fact that we do work and did work well as a team, so I wasn't panicking, and that helped her focus as well. Speaker 1  39:55 Yeah, and you know that's a really good example where you talked about. Up getting to know the environment, and kind of practicing, you know, going through those drills of what to do in an emergency, because I'm always saying to clients, repetition, consistency is the mother of success, you know. So, my goodness, did that pay off dividends, and you keeping your cool head, and both of you helping each other, amazing. Michael Hingson  40:21 Yeah, you've spent a lot of time studying kind of the transitions that that people go through, parenthood, children, pregnancy, and so on. How do dogs react to that? What are.. what are you.. what do you observe, or.. and what would you advise about that? Speaker 1  40:41 It's really interesting, Michael, because actually there's very little research out there in terms of what happens when a new baby arrives, you know, what happens to the family dog, and that's why I've explored it, and what stood out with my research, which looked at expectant parents and the other group with the postpartum parents, is that once baby arrives, and this won't be a surprise to anyone with children, but you know parents are spending understandably all their time focused on the baby, so what immediately happens is there's less time interacting with dogs, and so the biggest drop tends to be in the quality and type of interactions that are occurring, for example, walking durations, walking frequency, and also play, and the ones that stay in terms of the interactions that remain the same are the low effort ones, the quick ones, which is like stroking the dog or giving them a treat, and also my research found that many parents describe having huge levels of guilt once the baby arrived, because you know they are aware that now their dog, which may have been their fur baby, you know, the kind of surrogate child before the real one arrived, now was sort of come down a peg or two, and also what came out of my research is there's often because new parents are knackered, let's be honest, broken sleep is that they can easily become frustrated and sometimes the dog becomes the one that the frustration is directed at, and then layered on to that, we also have physiological stress synchrony. We were talking about synchrony between ourselves and our dogs, and an example is that research has found that when a baby cries, our blood cortisol level rises in the parents, but it also rises in the family dogs. Blood cortisol levels also rise. So, what that shows is, oh my goodness, you know, there's a significant impact on the new baby that has on the dog's day-to-day life, and it might not be obvious, because the dog may just kind of plod to the bed and rest, but there's all this other stuff going on that might not be obvious. So, the key takeaway from my research is that, you know, if you're having a baby and you have a dog, you know absolutely baby prep your dog for that change that's going to come, you know, especially if your dog has any problem behaviors, you know, be it pulling on the lead, they don't like visitors, you know, build support systems, so in less qualified humane, ethical trainers and behaviorists, dog walkers, so we've got some sort of routine, or in less family support or friends to help out, so there's some predictability, there's some quality one to one time for the dog once baby comes, and all of that, along with really good management of the home environment through dog ate safe zones, etc. for the dog and the baby, that's going to protect the pet's welfare, but it's also going to reduce the risk of behavior problems escalating. Michael Hingson  44:05 The other kind of thing that I can imagine will happen, hopefully more than not, is that the dog will bond or work to develop a bond with the new baby in the family. Speaker 1  44:18 Absolutely, and that's one of the most important things about baby prepping is that if we create some sort of understanding. Okay, I'm being exposed, let's say gently to baby sounds whilst I'm licking on this long-lasting chew, and this is quite nice, hearing this baby cry, you know. This recording, or I have, I joke, I have like a lending library with fake babies, you know, and my clients may think I'm mad to start, and very quickly they're realizing actually it's really good to train my dog to go and station on their mat while I'm carrying a baby or pretending to change the nappy on this fake baby, and the dog's learning I can, I can go to my mat and sit and settle while you know my own is doing this. Yes, and you know, so if we create that sort of learning, it's, it's not then such a shock to the dog, and I even get my clients practicing walking with a pram and the dog, because the dog's got to learn to walk nicely with the pram, you know, and inevitably, you know, the owners are accidentally running over the dog's paws to start, or just simple things, like, oh my gosh, I hadn't even thought about how do I get out the house with the baby, the dog, and the pram. So, sometimes just, just practicing, like you said, about getting to know the environment at the Twin Towers, it's really important to practice these things for real world, Michael Hingson  45:36 and the reality is, even a dog with a big long tongue isn't going to drown a baby, Speaker 1  45:42 of course. You know, and we know, and we absolutely know that those little ones that grow up with animals, particularly dogs, have really strong guts, micro, you know, flora, and so it's, it's helpful, you know, if they're sort of around the animals. So clearly we just got to be sensible in terms of managing the interactions, but absolutely I'm a huge fan of nurturing those dog baby buns, and do you know what one of the best things is when the baby throws some of that food onto the floor from the highchair when they're weeding, that's that's a sure far way for that dog to learn to love that baby, Michael Hingson  46:20 yeah, you know, there's nothing wrong with a little bribe every so often. Speaker 1  46:24 Pennies from heaven, I call it. Michael Hingson  46:27 That's right. What is the one behavior that you wish that people would just get rid of and not not have anymore? Speaker 1  46:37 Well, I talked about earlier in terms of myth busting and the busting, the myth about our dogs wanting to take over the world, and us needing to be sort of leaders, and that's not the case at all. I think, for me, it's the importance about agency and understanding what do we, what do we mean by giving our animals agency, so for example, you know, if our animal has some sort of influence over what happens to them, rather than just being passive receivers of what we're telling them what to do, if we give them choice, behavioral science and lived experience shows that absolutely that reduces uncertainty, and we know that uncertainty is a major driver of stress, so if we look at zoological settings, there's a Copenhagen Zoo, for example, give their guinea pigs choice whether to be petted or not, and how they do that is they bring out a carrier and the guinea pigs know that if they hop in the carrot carrier, it means they're going to go and see the kids, sit on the kids' laps, and they'll be petted, and so you'll have guinea pigs that rush into the carrier, and then you've got other guinea pigs who go, "Heck, not today, and those ones that choose not to go in the carrier are simply not handled, and then I've got peers of mine who work with dolphins, and they will show the dolphin picture of two of the trainers, and they'll let the dolphin decide who do they want to work with in that session. So that's an example of giving a dog adult dolphin and guinea pigs agency. Another one is in the states, so in the Smithsonian National Zoo and Toledo Zoo, they've specifically designed exhibits where orangutans can, by choice, spray the visitors with water. So, basically, the orangutans push a button, and that button causes a shower to go all over the visitors on the other side of the enclosure, so that acts as a form of enrichment, and it also provides a really neat way for the visitors to feel like they're directly connecting with the animals, so in all of those examples stress-related behaviors actually drop because the animals have choice, and so if we apply that principle to our pets at home, you know, agency would look like allowing the family dog to choose which way to walk occasionally, or allowing them the time to stop and sniff, or offering choice between resting places, or letting our cat decide when they want the interaction to end, or I don't know, offering up a choice of different toys or different food stuffs, and seeing which way does your pet go, you know, what do they find motivating, which toy or which food stuff in that moment in time do they want, so these small choices tell animals that they have some sort of control over their environment, and so why that's so important, and why I'd love everyone to be aware of that, is behaviorally this really matters, because when animals are feeling sort of overridden or trapped, Michael Hingson  49:59 yeah. Speaker 1  50:00 They're much more likely to rely on coping strategies that include avoidance or shutdown or even escalating behaviors like grounding and biting, and conversely, when they experience agency, their learning improves, their emotional regulation becomes easier, and their behavior becomes more stable, so agency isn't about letting our animals run the household. It means it means we as humans are deliberately designing interactions so that the animals feel safe and they have appropriate choices, and that balance supports welfare and leads to much more reliable behavior change over time. Michael Hingson  50:43 I think that all too often we are the greatest contributors to stress in our pets' environments, like dogs, and so on. And I know one of the things that is emphasized when we get new guide dogs is guiding itself is extremely stressful. The dogs have been brought up to respect the job, to like to do the job, and they're absolutely committed to doing it as well as they can. Now, to keep that attitude up is our job, and one of the things that I've learned over the years, you know, people will come up, "Well, I want to pet your dog, and my response is, "No, don't pet the dog. Now, if there's time, however, I will stop, and I'll take the harness off and say, "Now you can pet the dog, because the harness is the indicator that the dog is working, but dogs need to relax too, and so I know Alamo, especially, just loves it when the harness comes off, and he'd love to cheat more and visit with people, even when the harness is on, but he does understand the difference, and so I do work to try to make sure that when people want to pet the dog, if I have any time at all, I will stop and I'll take the harness off and say, "Now you can pet the dog. You need to understand why we're doing this, and that gives me the opportunity to explain it. Now, the only difference, the only time that's there's an exception to that, is if a child comes up and wants to pet the dog. I will always stop and take the harness off, because it doesn't matter. I want kids to grow up being comfortable around these dogs, and sometimes the parents will go, "Oh, that dog might bite, and all that, and I'll say, "No, the dog won't, and I'll always take the harness off for children. I may not always have the time to do it for adults, but I'll take the time for kids, because I want them to really understand that these dogs are not mean, and that they have a job to do, and so it gives me the opportunity to talk about that. Speaker 1  52:52 Yeah, that's great that you are promoting those fantastic child dog interactions, and you know what you're talking about is exactly what we've been discussing, in terms of that predictability, that consistency. You know, when the harness is off, you know that that gives the dog a clear signal. So, that's fantastic. Michael Hingson  53:13 Yeah, that's also part of it, that they know that when the harness is on, time to work, at least you're supposed to be serious anyway, no. Now, what? What's one thing that you wish dog owners would understand about cats and small animals that they tend not to pay attention to? Speaker 1  53:31 Yeah, you made me smile earlier, Michael, when you mentioned cats, because I was thinking about this. So, I guess you know, often cats and small animals are characterized as independent or aloof. Yeah, when in fact their communication styles are just maybe less obvious than the dog that's wackling the body, and you know, the tail, etc. And you know, looking really happy when the owner returns home, whereas the cat may sort of slink past, and we think, oh, okay, they're not that fast, but you know, their behavior is shaped by very different evolutionary pressures, and that's particularly around safety and conflict avoidance. So, when cats, for example, you know, act aloof or appear distant, it's much more about de-escalation, so research into feline social behavior shows that cats rely heavily on subtle signals like slow being blinking or head turns or ear position, choosing elevated resting spots to manage sort of social distance and reduce tension, and those behaviors are affiliative or calming, yet they're often missed by our ourselves or misinterpreted, and again, what seems like they're independent or aloof or distant is in reality them simply working hard to regulate proximity in ways that feel safe to them and. So you know, never feel offended if your cat moves away from you in the sofa to perch on a higher spot, because they're just managing their own comfort and control, and similarly, with rabbits or guinea pigs, they're a prey species, so their behavior is organized again differently, and they're neurologically wired to prioritize things like visibility or escape routes or control of space, so research consistently shows that when prey animals feel exposed or they're unable to run away, obviously stress responses are going to escalate quickly, and what people will therefore label as a rabbit, skittish, for example, is in fact a really logical response to feeling unsafe. Michael Hingson  55:47 Yeah, Speaker 1  55:47 so when we, when we stop looking at behavior through our human lens, which is what Jane Goodall and others have, you know, tried to help people understand, when we stop looking at it through human lens and consider what safety looks like for the animal. You know, welfare improves, owner animal relationships tend to strengthen. Michael Hingson  56:10 I don't know how Stitch figures out how to deal with a blind person, because all that link, blinking, and all that goes way over my head, of course. But even so, she's obviously figured it out, because we do have a good relationship, and she, as I've explained earlier, comes and yells at me when she wants to eat, and she'll come up and rub against me, and so on, but I think that overall she's figured out enough that, well, maybe he's a little bit different than some of the people I'm used to, so we figure it out, and we make it work, Speaker 1  56:42 absolutely. And do you know what cats are very clever in that, over the 1000s upon 1000s of years we've been around them, they've developed these unique vocalizations that really, that they don't do to other cats, but they do only to humans, which taps into our sort of caregiving responsibilities to feed them or be attentive, so yeah, brilliant example, when, when she's crying at you to have some sort of interaction or food, Michael Hingson  57:12 yeah. Tell me about your, your program. How does.. Speaker 1  57:17 oh gosh, so basically I'm drawn to sort of questions that people may have the answers to, but can't articulate, or everyday behaviors that we may take for granted. And an example of that might be, you know, why does it take so long for a dog to find the perfect spot to poo? You know, why they twirling around, and that's to do with the Earth's magnetic field. So, the how does series, I deliberately choose questions that sit at the intersection of curiosity and science. Some of the topics are more serious than others, but I do intentionally use some questions or look at some areas that are silly, for example, how does a dog fart, and why does some linger, and that might sound silly, but it's a brilliant entry point into physiology, digestion, dog behavior, and it kind of hooks people in, particularly the younger audiences, as you can imagine, and once they're engaged, then you can start to introduce real, real science without it feeling heavy, and another deciding factor, when I'm looking at subject matters, will be, you know, what's the science behind it? Is there robust research that can explain the science accurately without stripping it of nuance, and then you know, I might look at a different angle, like with my animals and history series, which is another one that I do, where it's still grounded in human animal interactions, but it's about historical moments involving animals, and what do those stories reveal about humans, and how we understood them, how we valued them or misunderstood them, and so on. So those two series, how does is the kind of science behind what animals do, and so on. And the animals in history is still approaching curiosity, but from a different angle. Michael Hingson  59:17 Is there one animal in history that really has changed how you think about animals that you maybe have talked about in your animal history series. Speaker 1  59:26 Gosh, I, at the last look, I think I've done about 67 so far of the animals in history, and there are some that really stick with me, and if I am allowed to have more than one, is that all right, Michael? Michael Hingson  59:43 Oh, sure. Speaker 1  59:44 Okay, so there's ones like Operation Acoustic Kitty, which is completely inhumane and unethical by today's standards, but back during the Cold War, they basically, the US researchers. Tried to create cat spies, and basically fitted them with microphones and listening devices within their bodies, and it was a bit barbaric, to say the least, but that experiment was scrapped. It wasn't very successful in the real world. The cats, when they were experimenting with them out on the street inevitably got run over or distracted. There's other experiments like attaching incendiary devices to bats in an attempt to help with the Second World War effort, which was unsuccessful because the bats didn't always do what the researchers hoped they would do, and then there's Project Pigeon, which is fascinating, and that's where researchers trained pigeons to guide missiles through pecking the screen, and that was scrapped because then Oppenheimer's bomb took over from that project, but you know these are some of the examples about how animals are drawn into human conflict strategy, even technical ambition. And then there's there's fascinating ones like Snowball, who was a Canadian cat, and her DNA was used to solve a crime in a murder case in 19 419 94 and basically it was the first time ever that animal forensics had been used in that way. So fundamentally it changed how we think about animals as part of our human environments, not just emotionally but evidentially, and then there's quirkier stories as well, but you know the stories that stand out include yours, Michael and Roselle. On that day, as I've said to you before, when we first met and chatted, you know that, that to me is just, I mean, it just gets me, your story, so yeah. Michael Hingson  1:02:04 So, what's next for you? Speaker 1  1:02:07 Golly, so there's always many plates spinning. Let's say I'm working on putting the Animals in History series into a book, so my plan is to produce a version of the video series into a form that would be of interest to young kids and adults who are interested in in the quirky and the curious, and then always stay curious, I guess. You know, I think curiosity matters. It's what drives my how does series. It's what interests me with the animals in history, and my articles that are right, my podcasts, etc. So, whether we're talking about humans, whether we're talking about non-human animals, it makes far more sense to pause and ask what might that individual individual be experiencing rather than rushing to explain or correct it, and I think if we're patient, if we're responsive, if we allow animals the time and humans that they need to cope in a world that's often crazy, and for animals largely designed by us, I think will be much better advocates for our animals and each other. So, I always think, stay curious. So, that's what I will stay as my mantra going forward. Michael Hingson  1:03:34 And it doesn't get better than that. And I hope that you stay curious. And I think curiosity is such a wonderful thing that that we should do a whole lot more than we do. Well, I want to thank you for being here with us. This has been fun. Can you believe we've been doing this over an hour? Oh gosh, I can all hold Speaker 1  1:03:53 on forever. So, oh, I'm not Michael Hingson  1:03:55 complaining, I'm not complaining. We'll have to do this again. Speaker 1  1:03:58 Yeah, thank you so much for having me. Well, Michael Hingson  1:04:00 this has been fun, and I want to thank all of you for watching and listening. Love to hear from you and hear what you think, but Hannah, for you, if people want to reach out to you, how do they do that? Speaker 2  1:04:09 It's just my name, Hanne grice.com is my H A Michael Hingson  1:04:14 N N E, not A, Speaker 1  1:04:16 yeah, Danish way, so H A double N E, G G R I C e.com So I'm on the website. You can just Google my name, follow me on socials. If you have any questions, you have any ideas for the how does, or want me to explore a story for the animals in history, always open to suggestions as well as feedback. Michael Hingson  1:04:36 Cool. Well, and I hope all of you will give us some feedback. I'd love to hear from you, feel free to email me at Michael H I M I C H A E L H I at Accessi B A C C E S S I B e.com Please give us a five star rating wherever you're observing our podcast, but more important than a rating, give us a great review. We love reviews, and people who are interested in listening to the podcast. Just really appreciate people who have already heard the podcast reviewing it, so please give us a review, and whatever you do, if you know anyone who ought to be a guest on Unstoppable Mindset, including you, Hannah, we'd love introductions to anyone that you think ought to be a guest on the podcast, and with that, again, I want to thank you, Hannah, for being here. This has been absolutely wonderful. Speaker 1  1:05:24 Thank you again, and take care, everyone listening. Michael Hingson  1:05:30 Thank you for being here with me on Unstoppable Mindset. I hope today's conversation left you with a fresh perspective, a new insight, or at least something worth thinking about. If you're ready to go deeper into the ideas that shape how we see ourselves and others, I have a free gift for you. Head over to Michael hingson.com and download my free ebook, Blinded by Fear. It explores the invisible beliefs that hold us back and shows you how to reframe them, so you can move forward with clarity and confidence. Be sure to subscribe to our podcast, leave a review, and share this show with someone who can use a reminder that growth starts with mindset. When people think differently, we all move forward together. Thanks again for listening. Keep learning, keep questioning, and keep choosing to live with an unstoppable mindset. Thank.

Finishing the conversation on the Five for Five Rule; The List: The NCAA, Kawhi Leonard; Jason Smith on the State of the Grizzlies Post NBA Draft, How Does the Ja Morant Situation Work Out?, Thoughts on the Current Direction of the Roster, & What Advice Would We Give Ja?

If you've ever worked on a team that had a crazy amount of chemistry, you already know the answer. Everything they touched was gold, they produced more than any other team combined, and they had fun doing it.Unfortunately, you know that that is not the norm. Most teams have people you don't like, that one person that doesn't do anything, one person who shows up always talking about their personal life, one person who thinks they're better than everyone else, and you have to try and make it work.So, what's the difference between those two teams?I would say it all comes down to how they communicate!So this week I'll be going over everything I know about effective communication to ensure your team becomes the best version it can be!Show Notes: What is Effective Communication and How Does it Create a Dream Team Dynamic?(https://team-building.org/what-is-effective-communication-and-how-does-it-create-a-dream-team-dynamic/)

Break through your keto or low carb plateau and optimize your heart health by booking a free consultation call with Robert Sikes here: https://www.ketobodybuilding.com/call.Your normal cholesterol is hiding a deadly secret inside your chest. Millions of fit men have massive heart plaque while their doctors say they are completely fine. In episode 892 of the Savage Perspective Podcast, host Robert Sikes and guest Dr. Josh Osborne expose the real truth about cardiovascular disease. Having good blood test numbers means nothing if your blood vessels are sticky and inflamed. Dr. Josh Osborne explains how a fast AI cardiac CT scan spots hidden soft plaque years before a fatal heart attack or stroke happens. Traditional stress tests and neck scans miss the danger. Learn how to shrink arterial plaque today.Visit Clear Cardio for more info: https://clearcardio.com/Get Keto Brick: https://www.ketobrick.com/Subscribe to the podcast: https://open.spotify.com/show/42cjJssghqD01bdWBxRYEg?si=1XYKmPXmR4eKw2O9gGCEuQChapters0:00 - Who Is Dr. John Osborne? | The Harvard Cardiologist Disrupting Medicine1:20 - Why Your Doctor's Heart Tests Are Useless | The Stage 4 Cancer Analogy3:09 - What Is an AI Cardiac CT Scan? | Seeing Heart Plaque in 3D6:00 - The #1 Killer in America | Shocking Cardiovascular Disease Statistics8:34 - When Should I Get a Heart Scan? | The "Cardiac Colonoscopy" Explained11:32 - Is a Cardiac Stress Test Accurate? | The "Healthy Heart" Lie15:38 - Are CIMT Ultrasounds Worth It? | Why Neck Scans Miss Heart Plaque18:52 - How Does a Cardiac CT Scanner Work? | Inside the 1-Second Ferrari Machine23:29 - DEXA Scan vs CT Scan | The Truth About Hidden Visceral Organ Fat28:27 - What Causes Arterial Plaque? | Hidden Risk Factors & Autoimmune Disease32:45 - Why Doesn't Insurance Cover Heart Scans? | The Medical Data Trap36:13 - How Much Does a Cardiac CT Scan Cost? | The $6,000 Prevention Strategy40:20 - Does High Cholesterol Cause Heart Disease? | The Inflammation Debate44:55 - How to Shrink Arterial Plaque | Proven Ways to Reverse Heart Disease48:47 - Should You Take a Statin Prophylactically? | The Broken Healthcare System54:55 - What Is a Calcium Score Test? | The $100 Heart "Mammogram" Explained1:00:50 - Why Do Fit People Have Heart Attacks? | Lp(a) and ApoB Blood Tests1:04:42 - How AI Detects Soft Plaque | Seeing 2,000 Shades of Gray in Your Heart1:06:56 - Where to Get an AI Heart Scan | Booking With Clear Cardio

What Exactly Is a Reverse Mortgage? Episode 387 – We hear so much talk these days about reverse mortgages. Are they worth looking into? For some people the answer is yes, but only if certain conditions are met. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 387 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: so what exactly is a reverse mortgage? It's hard to miss all the talk these days about reverse mortgages as an income tool for retirees. Some experts like them, some experts don't. But what are they and how do they work? For many Americans, their biggest asset is the equity they have in their home. Some might not have saved much for retirement. But after years, perhaps decades, of living in the same home, they've built up their home equity through appreciation and amortization of their mortgage. When they look at their balance sheets, that becomes their biggest plus. What options do people have if they get to retirement age, have limited retirement savings, and realize that Social Security just isn't going to be enough? A reverse mortgage is one possible answer. A reverse mortgage is available for homeowners aged 62 and over. It is a way to fund retirement by borrowing against the equity you've built up in your home. The more home equity you have, the better. But it's certainly not for everyone. A reverse mortgage is not the same thing as a home equity line of credit, or HELOC. It's called a reverse mortgage because instead of you making monthly payments to the bank, the bank makes monthly payments to you. The income you get from a reverse mortgage is generally not taxable. You can use that income as needed to cover monthly expenses, including such things as home maintenance, property taxes, or, if needed, home health care expenses.[1] A reverse mortgage isn't free. The amount you owe against your house, which includes the principal and accruing interest, increases as you receive your monthly payments. So over time, your home equity decreases. You are essentially trading a little bit of your home equity every month for current income. Note that you typically don't have to repay the mortgage as long as you continue to use the home as your primary residence. But if you decide to sell your house or move out, the full balance will become due. If you die before you move out, in most cases your executor will sell the home and use the proceeds to pay back the accumulated reverse mortgage debt.[2] Reverse mortgages generally come in three different varieties. The first, and by far the most common, are loans overseen by the Federal Housing Authority. These are known as Home Equity Conversion Mortgages or HECMs. The homeowner has discretion over what to use the funds for, but before closing, they must meet with a counselor approved by the Department of Housing and Urban Development. This one requirement is designed to help curb fraud and abuse. HECMs account for approximately 95 percent of all reverse mortgages.[3] They are more regulated than other types of reverse mortgages and offer some extra protection. For one thing, neither you nor your heirs will ever owe more than the house is worth, even if it goes down in value. And if your lender goes out of business, the federal insurance program guarantees that you will still receive your monthly payments.[4] The maximum you can borrow under the federal program in 2026 is $1,249,125.[5] You will typically need to have at least 50 percent equity in your home (based on appraised value) to qualify. Reverse mortgages typically have adjustable interest rates. Note that the income from a reverse mortgage usually comes in the form of a monthly payment, but that's not a requirement. It can also be in a lump sum. The two other less common types of reverse mortgages are “single-purpose reverse mortgages,” which are backed by a nonprofit organization or a state or local government, and “proprietary reverse mortgages,” which are offered by private organizations without any government backing. Reverse mortgages have had a somewhat mixed reputation over the years. For one thing, the fees involved can be considerable. A reverse mortgage typically has origination fees, mortgage insurance premiums, closing costs and monthly servicing fees, all of which add up.[6] And there are still some scams out there. Some fraudsters will entice vulnerable seniors with misleading or fraudulent claims. One of those might be when a potential intermediary tries to get you into a reverse mortgage, then uses the money for some sort of “investment opportunity” that they control. They will then typically end up pocketing some of your home's equity themselves.[7] One way to avoid scams like this is to start with a trusted financial advisor or your current lender. Are there other potential solutions? Of course. The most obvious is, if possible, to save more at an earlier age and allow compound interest to work its magic. But for a lot of people, that's just not possible. For some people, a reverse mortgage is another option. There are caveats, but this may be a good choice in the right circumstances. A reverse mortgage is not the perfect solution, but for some, depending on their situation, it may be the most viable one. [1] Equifax Life Stages. “What is a Reverse Mortgage and How Does it Work?” Equifax.com. https://www.equifax.com/personal/education/credit/score/articles/-/learn/reverse-mortgage/ (accessed May 19, 2026). [2] Id. [3] Yale, Aly J. “What Is a Reverse Mortgage?” AARP.org. https://www.aarp.org/money/personal-finance/reverse-mortgage-guide/ (accessed May 19, 2026). [4] Id. [5] Johnson, Jamie. “HECM Loan Limits: What They Are and How They Work in 2026.” Themortgagereports.com. https://themortgagereports.com/124868/hecm-loan-limits (accessed May 20, 2026). [6] Miller, Peter G. “Reverse mortgage pros and cons.” Bankrate.com. https://www.bankrate.com/mortgages/reverse-mortgage-pros-and-cons/#cons (accessed May 20, 2026). [7] Goff, Kacie. “Reverse mortgage scams: What they are and how to avoid them.” Bankrate.com. https://www.bankrate.com/mortgages/reverse-mortgage-scams/#common-scams (accessed May 20, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Download Porter Here: ⁠https://app.adjust.com/21zkudwbGuest Suggestion Form: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/bnaeY3FpoFU9ZjA47⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners.(00:00) - Intro(02:45) - Why Does He Call IAS the Steel Cage of India?(07:38) - Where Does Corruption Start?(18:53) - Fake Document Submission in UPSC(21:04) - 3 Basic Ways People Get Into Corruption(27:34) - Where Do People Keep Their Corruption Money?(31:23) - Is There a Point of No Return From Corruption?(38:00) - Why Are Indians Scared of the Police?(40:51) - How Does the System Break an Honest Person?(42:30) - Why Can't Someone Fire an IPS Officer?(48:44) - How Much Scheme Money Actually Reaches People?(58:12) - What Do People Do With Corruption Money?(1:00:09) - Will Giving Bureaucrats Higher Salaries Solve This Issue?(1:03:35) - Why Is Nobody Stopping Corruption?(1:06:22) - AI Is the Change the System Needs(1:11:51) - A President/Prime Minister He Really Likes(1:14:58) - Why Is India the Most Difficult Country to Rule?(1:16:49) - Is China a Free Market?(1:20:50) - How Will Trump's Recent Visit to China Impact India?(1:28:58) - Why Didn't the Chinese President Meet American Entrepreneurs During Their Visit?(1:30:43) - Is India's Friendship With European Nations Good for Us?(1:32:38) - BTS(1:33:14) - OutroIn today's episode, we sit down with Amit Kilhor, UPSC Teacher & Content Creator, to understand the reality of India's bureaucracy and the system behind it.The conversation also covers major IAS-related controversies, how corruption networks operate, where illicit money typically flows, and why senior officers often become difficult to challenge. Subscribe for more such conversations.Follow Amit Kilhor Here:Instagram: https://www.instagram.com/amitkilhor/Linkedin: https://www.linkedin.com/in/amitkilhor/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Raj ShamaniRaj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.To Know More,Follow Raj Shamani On ⤵︎Instagram @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/rajshamani⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook @ShamaniRaj ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/shamaniraj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - Raj Shamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Figuring OutFiguring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

What if the end of the world isn't about fear, but about hope, healing, and God making everything right? The post How Does the World Really End? [So what about…?, part 7] appeared first on Crosscreek Community Church: A Church FOR People..

What if your AI coding agent is quietly cheating on your tests — and how do you stop it? Julien Verlaguet, who built the type system Meta used to migrate tens of millions of PHP lines, is now building Skipper: a closed-loop coding agent designed to make AI-generated code verifiably correct, without human intervention.In this episode, Julien Verlaguet, creator of the Hack programming language at Meta and co-founder of SkipLabs, explains why AI agents will always try to cheat — gaming tests, quietly modifying logic while doing something else, and declaring work done when it isn't. He draws on his experience migrating Meta's PHP codebase to a statically typed system, drawing sharp parallels between convincing engineers to trust a new type checker and building systems that can trust an LLM. Julien makes the case for spec-driven development with validation layers at every step, where separate AI instances verify correctness and the code-writing agent is locked out of touching tests.He shares the story of an LLM that silently swapped a union for an intersection while splitting a file — a subtle bug that passed all tests — and why no human would ever have made that mistake. He then walks through how Skipper works: you write a spec, hand over control, and a compiler-like agent produces correct, runnable TypeScript without back-and-forth, backed by a sound incremental type system, reachability analysis, and a reactive runtime that applies diffs in milliseconds.He closes with a grounded take on how the developer role is shifting — not disappearing — toward the kind of design, integration, and oversight work that always mattered most.Key topics discussed:Why AI agents will always try to cheat on your testsThe union-vs-intersection bug an LLM introduced silentlySpec-driven development to keep LLMs on trackHow to separate the AI that verifies from the one that fixesSkipper: a compiler-like closed-loop coding agentSound, incremental TypeScript built for AI-speed iterationHot-reloading state without restarting — in millisecondsWhy developers are all becoming tech leadsTimestamps:(00:00:00) Trailer & Intro(00:02:34) How Did Julien Create the Hack Programming Language at Facebook?(00:05:53) Does Static Typing Make Your Code More Secure?(00:09:54) How Did You Convince Facebook Engineers to Adopt Hack at Scale?(00:17:15) How Can Engineers Overcome Skepticism Toward AI Coding Tools?(00:22:44) Should Junior Engineers Trust AI-Generated Code?(00:29:44) How Do You Build Reliable Guardrails for LLM-Generated Code?(00:42:15) What Validation Strategies Prevent AI Agents From Cheating on Tests?(00:45:54) What Is Skipper and How Does a Closed-Loop Coding Agent Work?(00:54:59) How Does Skipper Compare to Claude Code in Terms of Correctness?(00:58:27) How Do You Get Started With Skipper and What Does the Output Look Like?(01:04:50) How Will the Software Developer Role Change in an AI-First World?(01:09:06) 3 Tech Lead Wisdom_____Julien Verlaguet's BioJulien Verlaguet is a programming language designer and the Founder and CEO of SkipLabs. He is best known as the creator of Hack—the gradually typed language he built at Facebook that currently powers over 100 million lines of the company's production code. After creating the open-source reactive framework Skip, Julien founded SkipLabs in 2022. His company recently launched Skipper, a closed-loop coding agent that takes a single prompt from a developer and returns a running, validated service.Follow Julien:LinkedIn – linkedin.com/in/julien-verlaguet-b5710a20X – x.com/JulienVerlaguetSkipLabs - skiplabs.ioSkipper - skipperai.devSkipper's Discord – discord.gg/bsnXyw2F9PLike this episode?Show notes & transcript: techleadjournal.dev/episodes/260.Follow @techleadjournal on LinkedIn, Twitter, and Instagram.Buy me a coffee or become a patron.

SummaryThe Build the Fort Framework is a startup methodology created by Chris Heivly, co-founder of MapQuest, that strips away adult overthinking to return founders to the first-principles instincts that produce successful companies. In this episode of High Octane Leadership, Donald Thompson sits down with Chris, a senior vice president at Techstars who has advised startup ecosystems across four continents, mentored thousands of founders, and helped catalyze more than $75 million in investment capital. The conversation covers what separates founders who win from those who get stuck, why the product you are imagining today is not the one that will make you successful, and what the Build the Fort Framework reveals about customer discovery, community building, and ecosystem design. MapQuest sold for $1.2 billion. Chris Hively has spent every year since teaching founders how to build something that outlasts them.Episode Long DescriptionChris Heivly is the co-founder of MapQuest, the navigation platform acquired for $1.2 billion, and the creator of the Build the Fort Framework, a startup methodology now used across Techstars ecosystems on four continents. As a senior vice president at Techstars, Chris has helped catalyze more than $75 million in investment capital and co-founded Raleigh Durham Startup Week, which grew from 8 volunteers and 400 attendees to 49 volunteer leaders and 1,500 attendees while being designed so that no single person is indispensable to its survival.In this episode of High Octane Leadership, Donald Thompson and Chris Hively dig into the pattern recognition that comes from working with thousands of entrepreneurs across dozens of cities and countries, and why the fundamentals of building a great company have not changed even as the tools around them have. Chris shares why the product you are imagining today is not the one that will make you successful, why great mentorship is peer to peer and never assigned, and why the Build the Fort framework works because it strips away the adult overthinking that kills most ideas before they ever get started. The Build the Fort Framework is a founder methodology that replaces complex startup theory with the same instincts a child uses when building something from nothing: start with what you have, talk to the people around you, and build before you overthink.Donald Thompson and Chris Hively also discuss AI, what it means for founders, and why Chris is more curious about this technology than anything he has seen in decades, and what he and Donald are quietly plotting for the Triangle entrepreneurship community.“Talk to 100 people before you write a single line of code," advises Chris Hively, co-founder of MapQuest and creator of the Build the Fort Framework, drawing on lessons from advising thousands of founders across four continents at Techstars.Key Talking Points:What is the Build the Fort Framework? The Build the Fort Framework is Chris Heivly's startup methodology that replaces complex startup theory with the first-principles instincts most adults have been trained to ignore.Why should founders talk to 100 people before writing code? Talking to 100 potential customers before building anything is the single most important discipline Chris Hively has taught across thousands of founder conversations at Techstars, and most founders still skip it.What is hyper mentorship and why does it outperform assigned mentorship? Hyper mentorship is peer-to-peer, two-directional, and self-selected, and Chris Hively's work across Techstars ecosystems consistently shows it outperforms every formally assigned mentorship program.How do you build a startup ecosystem that outlasts its founders? Raleigh Durham Startup Week grew from 8 volunteers and 400 attendees to 49 volunteer leaders and 1,500 attendees because Chris Hively designed it from the beginning so that no single person is indispensable to its survival.How are founders getting AI wrong? Chris Hively believes founders are applying a powerful new tool to unvalidated ideas, and his answer is the same one the Build the Fort Framework always starts with: talk to 100 people before building anything.Chapter Markers00:00 - Who Is Chris Heivly? MapQuest Co-Founder, Techstars SVP, and Creator of the Build the Fort Framework02:00 - How Does a Geography Major Co-Found a $1.2 Billion Navigation Company? The MapQuest Origin Story04:30 - What Is the Build the Fort Framework and Why Do Most Startup Methodologies Fail Before It?06:30 - Why Every Founder Must Talk to 100 People Before Writing a Single Line of Code08:30 - Why Your Product Idea Today Is Not the One That Will Make You Successful11:00 - The NDA Red Flag: What It Signals to Investors When Founders Ask for One13:00 - The Trough of Disillusionment: Why Fear Stops Founders From Sharing Their Ideas16:00 - Hyper Mentorship vs. Assigned Mentorship: What Actually Works20:00 - Why Vulnerability Is a Leadership Superpower: The Story That Changed Chris Hively's Career24:00 - Building Entrepreneurial Ecosystems Globally: What Raleigh Durham Gets Right That Most Cities Do Not28:00 - What the Build the Fort Framework Reveals About How Founders Should Actually Think About AI32:00 - How Donald Thompson Built a Fully Functional Website in Eight Hours Using AI Tools as a Non-Developer36:00 - Raleigh Durham Startup Week: 49 Volunteers, 1,500 Attendees, and a Free Event Built to Last42:00 - Why Does Giving First Produce Better Long-Term Business Results? Techstars' Core Philosophy Explained46:00 - How to Connect with Chris Hively and RDU Startup WeekAbout the GuestChris Heivly is the co-founder of MapQuest, the navigation platform that transformed how millions of people find their way and was acquired for $1.2 billion. A self-described zero-to-one builder with career ADD, Chris has spent the decades since MapQuest working at the intersection of entrepreneurship, community building, and ecosystem development. As a senior vice president at Techstars, he has advised startup ecosystems across four continents, mentored thousands of founders, and helped catalyze more than $75 million in investment capital. He is the author of Build the Fort, creator of the Build the Fort newsletter, and co-founder of Raleigh Durham Startup Week, a free four-day entrepreneurship conference that has grown to 1,500 attendees and 49 volunteer leaders. Chris holds open office hours every week and believes that the most important thing any leader can do is give first. As Chris puts it, 'the most important thing any leader can do is give first,' a philosophy he has applied across four continents, thousands of founder conversations, and every ecosystem he has built since MapQuest sold for $1.2 billion.Resources:Published: June 4, 2026 | High Octane Leadership with Donald Thompson, Episode 185Donald Thompson LinkedInDonald's Books: https://donaldthompson.com/books-resources/Donald Thompson's WebsiteChris Heivly LinkedInBuild the Fort Newsletter and Website: hively.comHigh Octane Leadership with Donald Thompson publishes bi-weekly conversations with founders, executives, and operators building at the intersection of performa...

How Does an Anxiety Therapist Talk About Anxiety All Day Without Getting Triggered?People ask me this constantly. I'm a former sufferer of panic disorder, agoraphobia, OCD, and depression — and now I spend my days immersed in all of it. Therapy clients, podcasts, books, social media. Anxiety is basically my entire professional life. So how does a person like me not end up right back where they started?The answer isn't a trick or a technique. It's what recovery actually produces — and once you understand it, it reframes what you're working toward in a pretty significant way.In this episode I explain why talking about anxiety all day doesn't trigger me, what changed through my own recovery process, and why the same change is available to you. I also share a real example from the last few months involving my dog Copper, some stress-related symptoms that showed up during a difficult time, and what it looked like to have those experiences without fear driving the whole thing.We also get into my OCD history with existential thoughts — something that used to pin me down for weeks — and what that same material looks like now. Same discomfort. Completely different relationship to it.This one is old school Anxious Truth. No script, no notes. Just an honest answer to a question a lot of you have been asking, and what I think it means for where you're headed.For show notes on this episode:https://theanxioustruth.com/345Want to talk about this episode with me, Josh Fletcher, and others that are sharing your experience and know what it feels like? I'm hanging out on the Disordered Community Space:https://disordered.fm/communitySend in a question or comment via text.Support The Anxious Truth: If you find the podcast helpful and want to support my work, you can buy me a coffee.   Other ways to support my work like buying a book or signing up for a low cost workshop can be found on my website.  None of this is never required, but always appreciated! Interested in doing therapy with me? For more information on working with me directly to overcome your anxiety, follow this link.Disclaimer: The Anxious Truth  is not therapy or a replacement for therapy. Listening to The Anxious Truth does not create a therapeutic relationship between you and the host or guests of the podcast. Information here is provided for psychoeducational purposes. As always, when you have questions about your own well-being, please consult your mental health and/or medical care providers. If you are having a mental health crisis, always reach out immediately for in-person help.

Send us Fan MailIt's the FINale of Mermay on the Screen Queen and we're wrapping up the tides with a little film that may not be as favorable but still a memorable mermaid movie. Thanks for being here for the series and for four years!!!!! MUAH Part 1: And the last episode iiiiiisPart 2: The WriterPart 3: How DOES it fair as a mermaid moviePart 4: RaymondPart 5: How Aquamarine got her finsPart 6: Cecilia Part 7: The Girls that make the moviePart 8: What Aquamarine means to me and for twenty years. Support the showMy Inglorious Ink series! - https://www.amazon.com/stores/Samantha-Parrish/author/B0BNQ2D7D1?ref=ap_rdr&store_ref=ap_rdr&isDramIntegrated=true&shoppingPortalEnabled=trueI'm on Goodreads! - https://www.goodreads.com/author/show/20042112.Samantha_ParrishHow To Support The Show! - https://ko-fi.com/queenofthescreen#linkModalArticles I've written - https://vocal.media/authors/samantha-parrishMy Linktree https://linktr.ee/themysticalspacewitch Cover art by Emily Whitacre (https://teenytinycoffeebean.carrd.co/)

Send me a derm question or story through text or voicemail!A new JAK inhibitor has officially entered the veterinary market but where does it fit into managing allergic dogs?In this episode of The Derm Vet Podcast, I sit down with boarded veterinary dermatologist Dr. Christine McKinney from Merck Animal Health to discuss Numelvi, the newest JAK inhibitor approved in the United States for canine allergic dermatitis. We break down what makes this medication unique, how it compares to other allergy therapies, and why having multiple treatment options matters when managing complicated allergic patients.We also dive into practical approaches for itch control, infection management, and building confidence when treating chronic allergy cases in practice. If you manage itchy dogs regularly and want to stay up to date on the latest dermatology treatments, this episode is packed with valuable clinical insights.Watch The Episode: https://www.youtube.com/@thedermvet3932Follow The Derm Vet Podcast: https://www.instagram.com/thedermvetpod/Follow Me: https://www.instagram.com/thedermvet/Timestamps and references: 7:26: At the recommended treatment dose, Numelvi is at least 10X more selective for JAK1 over the other JAK enzymes in in vitro assays. Reference: Kowalski T, Schuette S. The second-generation Janus kinase inhibitor atinvicitinib is a potent and highly selective inhibitor of JAK1. Vet Dermatol. 2026;37(2):179.8:03: At the recommended treatment dose, Numelvi is at least 10X more selective for JAK1 over the other JAK enzymes in in vitro assays. Reference: Kowalski T, Schuette S. The second-generation Janus kinase inhibitor atinvicitinib is a potent and highly selective inhibitor of JAK1. Vet Dermatol. 2026;37(2):179.8:07: JAK1 is the primary driver of itch and inflammation. Reference: Huang I, Chung W, Wu P, Chen C. JAK-STAT signaling pathway in the pathogenesis of atopic dermatitis: an updated review. Front Immunol. 2022;13:106826010:36: At the recommended treatment dose, Numelvi is at least 10X more selective for JAK1 over the other JAK enzymes in in vitro assays. Reference: Kowalski T, Schuette S. The second-generation Janus kinase inhibitor atinvicitinib is a potent and highly selective inhibitor of JAK1. Vet Dermatol. 2026;37(2):179.21:52: Numelvi, starts reducing itch within 2-4 hours in a canine interleukin-31 (cIL-31)-induced pruritus model Reference: Kowalski T, Prohaczik A, Locke K, Samson C, Hope K. The second-generation Janus kinase inhibitor atinvicitinib significantly reduces pruritus 2-4 hours after dosing dogs in a canine interleukin-31 model. Vet Dermatol. 2026;37(2):179-180.23:13: Numelvi, starts reducing itch within 2-4 hours in a canine interleukin-31 (cIL-31)-induced pruritus model Reference: Kowalski T, Prohaczik A, Locke K, Samson C, Hope K. The second-generation Janus kinase inhibitor atinvicitinib significantly reduces pruritus 2-4 hours after dosing dogs in a canine interleukin-31 model. Vet Dermatol. 2026;37(2):179-180.Timestamps00:00 Intro02:29 The Complexity of Canine Allergic Dermatitis06:44 What is Numelvi and How Does it Work?13:50 Dosing Guidelines and Tablet Specifications16:57 Candidate Selection and Infection Control21:37 Onset of Action and Efficacy Timeline24:08 Final ThoughtsThis episode is sponsored by Merck Animal Health

With Ayatollah Khamenei's demise occurring hours into the war, the West anticipated a collapse of the Iranian regime and a popular uprising that never came to be. Is a ‘memorandum of understanding' the only thing preventing total escalation in the region? In this episode of One Decision, former MI6 Chief Sir Richard Dearlove and co-host journalist Kate McCann sit down with John Raine, Senior Adviser for Geopolitical Due Diligence for the International Institute for Strategic Studies (IISS), to analyze the ripple effects of the war in Iran and what it will take to stabilize the Middle East. What is keeping a comprehensive peace deal off the table? How did Western intelligence miscalculate the IRGC's resilience? And where does this leave the rest of the Middle East? We also break down China's pledge to support Cuba's sovereignty, the 75th anniversary of the Cambridge Five espionage scandal, and the latest in the war in Ukraine, including China's role in training Russian soldiers and the opening of a museum in North Korea that memorializes the North Korean losses in the war.   In this episode: 1:07 – Iran, Israel & Trump: The Middle East Crisis Explained 2:52 – Cuba, China, and US Spheres of Influence 6:23 – Cambridge Five: Cold War Spy Scandal Revisited 9:51 – Russia, North Korea, and Ukraine War Shifting 13:26 – Iran War: MOU vs. Formal Peace Deal Explained 16:55 – Why a Comprehensive Iran Deal Remains Out of Reach 22:41 – IRGC Resilience: How Iran's Regime Survived 29:08 – Who Has Influence Over Iran's IRGC? 33:51 – Israel's Military Objectives and Netanyahu's Agenda 39:36 – Gulf States' Vulnerability and Abraham Accords Future 45:26 – How Does the Iran Conflict End? Three Scenarios 49:47 – Sir Richard and Kate Discussion Hosted by Sir Richard Dearlove (former MI6 Chief) and journalist Kate McCann (Political Editor at Times Radio). Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam and Tony from Horace Green stop by Code Zero Radio's Fox Cities Core with host Andy McNamara to talk all things Powerlounge — their brand new full-length album dropping June 6th, recorded entirely in their own home studio over the course of two-plus years.In this episode, the guys break down the origins of their self-invented genre "Powerlounge" (yes, they looked it up — they're the first), the marathon 600+ hours of recording sessions, and how dialing in the drum sound for lead single "Nighttime Boi" set the tone for the rest of the album. They also talk about the other singles — "Cream" and "Hush" — and tease their upcoming fourth single, "Cosmic Bodies" (don't ask Tony what it's about).Plus, the big news: Stone Arch Brewery has brewed a limited-run Horace Green cream ale exclusively for the album release show — on tap for one night only.Album Release Show — June 6thGibson Community Music HallWith Scorched Waves & Hang TenLimited Horace Green Cream Ale on tapVinyl & CDs available at the showTickets are moving fast — grab yours now before the door sells out!Fox Cities Core airs on Code Zero Radio, your home for local Fox Cities music.YouTube Chapters:0:00 Intro – Horace Green Returns to Code Zero Radio Fox Cities Core0:30 New Album "Power Lounge" – Release Date & Album Release Show June 6th1:47 How Does the Band Feel With the Album Finally Done?2:16 Singles "Nighttime Boy," "Cream," and "Hush" – What to Expect on the Album2:38 What Is "Power Lounge"? Horace Green Invents a New Genre7:04 Band Photography & Visual Aesthetic Behind the Power Lounge Era8:14 The "Summer of Cream" & "Fall of Cream" – Fan Reaction8:45 Horace Green Gets Their Own Craft Beer from Stone Arch Brewery13:05 Recording "Power Lounge" in Their Own Home Studio14:35 How Long Did It Take? The $30,000 Recording Decision15:32 How a Horace Green Song Is Born – Tony's Songwriting Process18:29 10 Years of Horace Green – Surviving the "Great Filters" of Band Life19:43 West Coast Tour Announced – Dates, Cities & Jam in the Van (LA)22:54 Atwood Festival Madison 2026 & the Fox Cities Music Scene29:33 Live Band Setup – Keys, Todd the Utility Player & the Four-Piece Era33:34 Ghost Ko – Horace Green's Secret Side Project with 100 Unreleased Songs35:01 Does a Band Still Need a Website in 2025?36:44 First Full Vinyl Release – Behind the Scenes of Pressing "Power Lounge" on Vinyl47:14 Mile of Music Announcement & What Makes the Festival Special49:26 Bucket List Goals – Playing the Sphere, the Moon & Dream Collaborations52:18 New Single "Cosmic Bodies" Out This Friday53:36 Tickets, Cream Ale on Tap & What to Expect at the June 6th Show54:53 Thanks & Outro

God's Spirit in Me... How Does that Work? - God's Spirit is not a feeling... it's a filling.

Unit 7-2 How Does a Website Remember You? A Simple Guide to Cookie 明明剛看過的商品，為什麼換個網頁又出現在廣告裡？這不是什麼讀心術，而是"Cookies"在背後默默發揮影響力！這些小小的數位檔案，就像是專屬的網路身分證，讓網頁能記住你的登入狀態和語系偏好，省去重複操作的麻煩。解開 Cookies 的運作奧秘，解說「第一方」與「第三方」 Cookies之間的關鍵差異。如果你曾擔心過自己的瀏覽軌跡是否被悄悄追蹤，或疑慮個資安全，課文也提供了超實用的自保建議。看完後，可以同時享受科技的便利並優雅地守護數位隱私，成為聰明的網路使用者！

Unit 7-1 How Does a Website Remember You? A Simple Guide to Cookie 明明剛看過的商品，為什麼換個網頁又出現在廣告裡？這不是什麼讀心術，而是"Cookies"在背後默默發揮影響力！這些小小的數位檔案，就像是專屬的網路身分證，讓網頁能記住你的登入狀態和語系偏好，省去重複操作的麻煩。解開 Cookies 的運作奧秘，解說「第一方」與「第三方」 Cookies之間的關鍵差異。如果你曾擔心過自己的瀏覽軌跡是否被悄悄追蹤，或疑慮個資安全，課文也提供了超實用的自保建議。看完後，可以同時享受科技的便利並優雅地守護數位隱私，成為聰明的網路使用者！

https://youtu.be/nJP_iHaoRfQhttps://odysee.com/@NaomiBrockwell:4/USB-Data-Blocker:aThat USB port on the plane or in your car? It's not just a power outlet, it's a computer. And every time you plug in, you're potentially handing it a two-way connection to your phone: power going in, and your data going out.In this video, I break down why plugging your phone into random USB ports can be risky, how attackers can use these connections to steal data or install malware ("juice jacking"), and how a cheap little gadget called a USB data blocker protects you.00:00 USB Raw Dogging01:08 Why You Shouldn't Plug Into Unknown Ports03:21 Risk of Unintended Data Transfer05:22 What Is A USB Data Blocker05:56 How Does it Work08:44 The ExchangeRelying on being perfectly patched and attentive at all times is a bad strategy, especially when you can instead just block the data path and move on for less than the price of a cup of coffee.NBTV is a project of the Ludlow Institute, a 501c3 non profit whose mission is to advance freedom through technology.To support NBTV, visit:https://LudlowInstitute.org/donate(As a 501(c)(3) non profit, all donations are tax-deductible in the USA as permitted by law.)Visit our shop!https://Shop.NBTV.mediaOur eBook "Beginner's Introduction To Privacy:https://amzn.to/3WDSfkuBeware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Support the show

Big K Morning Show Hour 4: With Prices on the Rise, How Does this Affect the Housing Market? full 1336 Thu, 07 May 2026 12:57:02 +0000 sdO5zKssIgM0z77mgsdrsNd1qw9Wlc5S news The Big K Morning Show news Big K Morning Show Hour 4: With Prices on the Rise, How Does this Affect the Housing Market? The Big K Morning Show 2024 © 2021 Audacy, Inc. News False

Inside the AI Talent War at Google Ventures! What does the future of hiring, leadership, and company building actually look like in the age of AI? In this episode, Rhys Hughes, Executive Talent Partner at GV, joins us for a fascinating deep dive into the battle for talent happening inside the world's fastest-growing AI companies. From billion-dollar compensation packages and the rise of vertical AI startups to what founders are really looking for in executives, this conversation pulls back the curtain on how the next generation of iconic companies are being built. We explore the reality of scaling in today's market. Why velocity has become one of the defining traits of elite founders, how culture is becoming more important than compensation, and why networking and relationship-building are now critical career advantages in an AI-driven world. Rhys also shares incredible insight into what's happening inside the venture ecosystem at GV, where the biggest opportunities are emerging across AI, robotics, life sciences, frontier tech, and enterprise software — alongside the major risks and bottlenecks founders are navigating in real time. If you're interested in AI, startups, venture capital, hiring, go-to-market strategy, or the future of work, this is an episode you don't want to miss. Timestamps: 0:00 — Trailer 1:30 — Introduction & Guest Overview 2:29 — The Battle for Talent in the AI Era 4:36 — Profound Differences in This New Market 6:39 — How Organizations Are Attracting Talent & How Candidates Are Choosing 9:20 — How to Evaluate a Strong Equity Package 11:41 — Are New Comp Models Like Anthropic's Driving the Right Behaviours 14:36 — How Founders Are Approaching Go-to-Market in the AI Era 17:30 — How Does a Company Stand Out 21:44 — What Velocity Really Means & Why It Matters 23:05 — What Rhys Is Seeing From Founders Right Now 26:12 — Rogue Founders: GV's Red Lines & What They Look For 29:17 — Why Building VC Talent Relationships Is Non-Negotiable 36:19 — What Sectors & Trends GV Is Most Excited About 38:14 — Specific AI Trends Shaping GV's Investment Thesis 42:50 — Biggest Bottlenecks That Could Slow Everything Down 44:29 — How GTM Talent Should Get on the Radar of Top Portfolio Companies 47:50 — The Biggest Mistakes People Make Choosing the Wrong Company

Is a starfish a fish? How do sea stars regrow an arm? Do these cosmic-shaped sea creatures have eyes? Discover how God made sea stars unique and how their thousands of feet encourage us to walk in God's path for us.Here's our trail map:Is a Sea Star a Starfish?How Does a Sea Star Regrow an Arm?How Do Sea Stars Move?How Can We Walk in God's Ways?Download this lesson's free coloring sheet: https://thenaturaltheologyproject.com/how-does-a-sea-star-regrow-an-arm/Related Lessons to listen to next:What is an Axolotl and How Does it Regrow its Brain? Lesson 6: https://player.captivate.fm/episode/ce122f49-e5c6-4b63-ad8e-da56ed0936aa/What Are We Made Of? Exploring Human Cells - Lesson 57: https://player.captivate.fm/episode/0517c0e2-471a-465d-b475-763e0bbaa539/Eryn's Books:The Nature of Rest: What the Bible and Creation Teach Us About Sabbath Living: https://www.amazon.com/Nature-Rest-Creation-Sabbath-Living/dp/0825448891Rooted in Wonder: Nurturing Your Family's Faith Through God's Creation: https://www.amazon.com/Rooted-Wonder-Nurturing-Familys-Creation/dp/0825447615936 Pennies: Discovering the Joy of Intentional Parenting: https://www.amazon.com/936-Pennies-Discovering-Intentional-Parenting/dp/0764219782Episode Links:Sensational Sea Creatures (From the Marvels of Creation Book Set): https://www.masterbooks.com/marvels-of-creation-3-book-packExplore books, curriculum, and resources by Master Books: https://www.masterbooks.com/Nat Theo Club Bonus Video: https://thenaturaltheologyproject.com/memberGet full lesson guides in the Nat Theo Club: https://thenaturaltheologyproject.com/clubFree Sea Star Coloring Sheet: https://thenaturaltheologyproject.com/how-does-a-sea-star-regrow-an-arm/Ask your nature question: https://thenaturaltheologyproject.com/askScriptures Referenced in This Episode:“He lifted me out of the pit of destruction,out of the sticky mud.He stood me on a rockand made my feet steady.” Psalm 40:2 (NCV)“Blessed are all who fear the Lord,who walk in obedience to him.” Psalm 128:1 (NIV)“How, then, can they call on the one they have not believed in? And how can they believe in the one of whom they have not heard? And how can they hear without someone preaching to them? And how can anyone preach unless they are sent? As it is written: ‘How beautiful are the feet of those who bring good news!'” Romans 10:14-15 (NIV)“On your feet wear the Good News of peace to help you stand strong.” Ephesians 6:15 (NCV)Terms Learned in This Episode:Echinoderm: a class (large category) of ocean animals with a hard, bumpy, or spiny body, such as a sea star, sea urchin, or sand dollar.Asteroidae: The group of echinoderms that includes sea stars.Sea Star Ray: The pointed arm of a sea star extending from a central body.Regeneration: The ability to regrow a lost or damaged body part.Autotomy: When an animal purposely drops or sheds a body part, like an arm or tail, to escape danger.Blastema: A group of cells that forms at an injured spot and helps regrow a missing body part.Tube Feet: Tiny, tube-shaped body parts with suction cups on the end that help a sea star move, cling to surfaces, and hold prey.This podcast episode contains paid advertisements.Mentioned in this episode:Join Magnify: A Wild & Wonderful Summer Adventure by Nat TheoExplore God's creation right where you live and learn from Eryn in live video classes: https://thenaturaltheologyproject.com/magnify

(05:00) Brought to you by MailtrapMailtrap is a modern email delivery for developers with native SDKs support along with security compliant API & SMTP. Plus, you get 4,000 emails a month completely on their free tier! It also provides 24/7 support where you actually talk to real people, not an AI chatbot. Try Mailtrap for free at mailtrap.io.What happens when AI ships code faster than your team can review it? As agentic development accelerates your SDLC, the guardrails matter more than ever — and most teams don't have them.In this episode, Egil Osthus, CEO of Unleash, makes the case for FeatureOps as a strategic capability — not just a developer convenience. He explains the shift from a project mindset to a product mindset, where releases are decoupled from deployments and business outcomes matter more than shipping scope. Egil breaks down the four pillars of FeatureOps — gradual rollout, full stack experimentation, surgical rollback, and lifecycle management — and why each one becomes even more critical as AI-generated code flows faster into production. He also warns against building your own feature flag solution in-house, and shares what the rise of agentic development means for engineers who must now act as guardians of an oversight layer.Key topics discussed:Project mindset vs. product mindset in software deliveryThe 4 pillars of FeatureOps and what each one solvesWhy feature flags scare executives — and how to win them overDecoupling deployment from release across Dev, PM, and MarketingThe danger of rolling your own feature flag solutionHow local evaluation keeps feature flags fast and privateBlast radius management in an AI-accelerated SDLCWhat vibe coders get wrong about day-two operationsTimestamps:(00:00) Trailer & Intro(02:36) What Is the Current State of Feature Flag Adoption Across the Industry?(05:32) Why Is Feature Flag Adoption So Challenging Despite Its Apparent Simplicity?(10:44) How Does FeatureOps Differ From CI/CD and Progressive Delivery?(12:26) What Are the Four Core Pillars of FeatureOps?(16:11) How Can Teams Shift the Perception of Feature Flags From Tactical to Strategic?(20:46) How Do Feature Flags Align the Needs of Developers, Product Managers, and Marketing?(25:09) How Do Organizations Effectively Define Responsibilities for Strategic Feature Flags?(28:03) Does Using Feature Flags Enable Your Team to Deploy on Fridays?(30:41) What Is Unleash and How Does It Scale for Enterprise Needs?(34:54) What Are the Hidden Dangers of Building Your Own Feature Flag Solution?(39:32) Why Are Local Evaluation and Privacy Core to Unleash's Design?(44:48) How Does the Rise of AI Impact the Evolution of FeatureOps?(52:02) What Specific Guardrails Does FeatureOps Provide to Improve Safety?(54:21) Can FeatureOps Platforms Use AI to Autonomously Manage Feature Rollouts?(55:33) What Essential FeatureOps Advice Should Every Vibe Coder Follow?(59:53) 3 Tech Lead Wisdom_____Egil Osthus's BioEgil Østhus is the co-founder and CEO of Unleash, the world's leading open-source feature management platform. As a seasoned enterprise technologist and product strategist, he operates at the cutting edge of business and software engineering.Egil's mission is to help technology leaders and businesses move beyond traditional DevOps by embracing FeatureOps, a new methodology that provides a critical safety net for the accelerating, and often risky, world of agentic software development. He has a unique ability to speak the language of both engineers and senior executives, making complex topics accessible and actionable.Follow Egil:LinkedIn – linkedin.com/in/egilconrUnleash – getunleash.ioLike this episode?Show notes & transcript: techleadjournal.dev/episodes/256.Follow @techleadjournal on LinkedIn, Twitter, and Instagram.Buy me a coffee or become a patron.

A $280M DeFi exploit exposed the hidden fragility of crypto's most trusted systems. Dan Elitzer and Odysseus break down how the attack happened, why bridge risk and protocol composability made the damage so severe, what Arbitrum's intervention means for immutability, and why DeFi now needs an aerospace-grade security mindset to survive the AI era. ------

On the show: -The positive or terrifying evolution of AI -Wow how is Scott so bad at this? -Are parents obligated to pass on their wealth to the kids -Does being a girl dad bring out the "best version of yourself" -Jerk or Justified? To quit the same week after completing onboarding and training -How Does the Story End for tickets -Does having a date for prom make it more or less fun? -The fans have spoken and Red Lobster listened

What Is Limited Pay Life Insurance? Most people assume that owning a whole life insurance policy means writing premium checks for the rest of their lives. It's one of those assumptions that gets repeated so often it starts to feel like a rule. But it isn't. https://www.youtube.com/live/8BE2ScEDZhQ A limited pay life insurance policy lets you fully fund a permanent whole life policy within a compressed time frame, which is usually 10, 15, or 20 years. Once that payment window closes, you're done - no more premiums, ever. But your coverage stays in force for life, your death benefit remains intact, and your cash value continues to compound. For wealth creators who want to build a financial foundation that doesn't come with a lifelong bill, limited pay is worth a close look. And for those using whole life insurance as the backbone of a personal banking system, limited pay may be worth considering, depending on how much flexibility they want to preserve.. This article will show you why. What Is Limited Pay Life Insurance?Key TakeawaysThe Short Answer: What Is a Limited Pay Life Insurance Policy?How Does a Limited Pay Life Policy Work?Common Limited Pay StructuresWhat Happens After the Payment Period Ends?Limited Pay Life Insurance vs. Whole Life Insurance: What Is the Difference?Who Is Limited Pay Life Insurance Best Suited For?Limited Pay Whole Life Insurance and the Infinite Banking ConceptWhy Limited Pay May Appeal to Some Infinite Banking PractitionersThe Role of Paid-Up Additions (PUAs)Pros and Cons of Limited Pay Life InsuranceBook a Call to Find Out Your Next Step to Time and Money Freedom Key Takeaways A limited pay life insurance policy is permanent whole life coverage where premiums are compressed into a shorter payment period, after which the policy is fully paid up with no further premiums owed. Annual premiums are higher than standard whole life, but premiums end sooner, and the policy becomes fully paid up on a defined timeline. Limited pay is not term insurance. This is a common point of confusion. Your coverage doesn't expire when payments stop; it continues for your entire life. Limited pay can work within an Infinite Banking strategy, but policy design matters more than the limited pay label itself, and if you think about it, banking will go on your entire life, so you really need to look closely at the consequences of if you are trying to control the banking function in your life.  The right payment structure depends on your cash flow, your goals, and your timeline. There's no universal answer, only the answer that fits your situation. The Short Answer: What Is a Limited Pay Life Insurance Policy? A limited pay life insurance policy is a form of permanent whole life insurance in which you pay premiums for a set number of years (rather than for your entire life) after which the policy becomes fully paid up. Your death benefit and cash value growth continue for as long as you live, even though no further premium payments are required. Technically, all whole life policies are limited pay because you can always do a “Reduced Paid Up Option.” The distinction that trips many people up is between the payment period and the coverage period. With limited pay, those two things are deliberately different. You pay for a defined stretch (say, 20 years), and the policy covers you permanently. You might think of it like paying off a mortgage early. You could spread payments over 30 years, or you could pay the house off in 15. Either way, the house is yours. But in the second scenario, you own it free and clear much sooner, and every year after that, the money that used to go toward the mortgage is yours to deploy elsewhere. That's the core appeal of limited pay whole life. The premiums are higher during the payment window, but once that window closes, your policy is a fully funded, self-sustaining asset that continues to grow without any further input from you. How Does a Limited Pay Life Policy Work? The mechanics are straightforward once you see the logic behind them. During the payment period, you pay higher annual premiums than you would on a standard whole life policy. That compresses the required funding into a shorter window and leads the policy to become fully paid up sooner. The tradeoff is that you shorten the period during which premium can be contributed, which can limit long-term funding flexibility. Once the final premium is paid, the policy is considered paid-up. It's now self-sustaining. The death benefit stays in place, and the cash value continues to grow.  What's more, if your policy is with a mutual insurance company (which most specially designed whole life policies are), you continue receiving annual dividends, which can be used to purchase Paid-Up Additions (PUAs), further increasing both your cash value and your death benefit. The policy doesn't change character when the payments stop. It's the same contract, the same guarantees, the same participating whole life policy. The only difference is that you are no longer funding it out of pocket. Common Limited Pay Structures Limited pay policies come in several standard configurations, each with a different payment window: StructurePayment PeriodAnnual PremiumBest Fit10-Pay10 yearsHighestThose who want to be paid up quickly15-Pay15 yearsHighThose balancing speed and affordability20-Pay20 yearsModerate-to-highThose wanting a longer funding runwayPay to 65Varies by age at purchaseVariesThose aligning premiums with working years The general rule is simple: the shorter the payment window, the higher the required annual premium and the sooner the policy reaches paid-up status. A 10-pay policy front-loads more capital into the policy early on, which means a larger base for compounding over the decades that follow.  However, it limits the total amount of capital you can put into the system.  Which structure makes sense depends on your current cash flow, your income horizon, and what you're trying to accomplish with the policy. In essence, there is no single right answer. What Happens After the Payment Period Ends? Nothing changes about your coverage. That's the part that often surprises people, but it shouldn't, because the whole point of limited pay is to reach this stage. Again, your policy continues to earn dividends, and your cash value continues to compound. Your death benefit stays in force (and may continue to grow as dividends are applied). You still have access to policy loans against your cash value, just as you did during the payment years. The only thing that stops is the premium bill. For people approaching retirement (or anyone whose income is structured around a finite earning window), that's a huge, notable feature. Your coverage persists even when your active income doesn't. Essentially, you have front-loaded the work, and the policy carries itself from here. In many ways, this differs from electing the reduced paid-up option, in which a policyholder stops paying premiums before the scheduled premium payments are complete and accepts a lower death benefit in exchange. With limited pay, the full death benefit is preserved because the policy was designed from the start to be funded within that window. Limited Pay Life Insurance vs. Whole Life Insurance: What Is the Difference? This is where the confusion usually resides, so it's worth being more precise. Limited pay life insurance is whole life insurance. It's not a separate product category, but a payment structure applied to a whole life policy. The underlying contract - guaranteed death benefit, guaranteed cash value growth, potential dividends, permanent coverage - is the same. The difference is how long you pay premiums. With standard whole life insurance, premiums are typically due annually for the insured's life (or until age 100/121, depending on the contract). With limited pay, those premiums are compressed into a shorter window. You're paying for the same lifetime of coverage, just on a faster schedule. Standard Whole LifeLimited Pay Whole LifePremium durationLifetime (or to age 100/121)Common Fixed periods (10, 15, 20 years, or to age 65)Annual premiumLowerHigherTotal premium commitment Spread over a longer periodCompleted over a shorter periodCash value funding patternMore spread out over timeMore compressed into a shorter periodPolicy after premiums endN/A — premiums continueFully paid-up, self-sustaining The natural follow-up question worth pondering: Is a limited pay life insurance policy more expensive? Year to year, yes, the annual premium is higher. But because you stop paying sooner, the total amount you pay over your lifetime may actually be less than what you would pay on a standard whole life policy. While the shorter payment window is attractive upfront, we've often found that later on, clients wish they still had the option to keep funding the policy and growing a larger pool of capital. Who Is Limited Pay Life Insurance Best Suited For? To be frank, limited pay is not for everyone. While it offers the appeal of becoming fully paid up within a defined period, that does not automatically make it the best structure for every wealth builder. Limited pay may be a fit for people who place a high value on knowing the policy will be fully paid up by a specific date and who are comfortable committing to the higher required premiums that come with that design. That can be attractive for: Entrepreneurs and business owners with strong income today. If you want to complete your premium obligation during your peak earning years, limited pay can provide a clear path to doing that. Professionals preparing for retirement. If your priority is to have permanent coverage in force without scheduled premiums later in life, limited pay may align well with that goal. People who highly value the certainty of a paid-up contract. For some,...

How Does the Church Sings Through Suffering and Why Do the Songs Matter?   Grammy Award nominee and Dove Award winner Matt Maher joins the Good Faith podcast for a conversation about the power of songs and church music to tell the truth about suffering. Reflecting on protest, justice, prophetic art, ecumenism, and even Rich Mullins, Maher explores how the church can hold lament and praise together while still pointing people to the hope and holiness of God. Drawing on Psalm 22 and Jesus' cry of abandonment on the cross, he argues that the church, like Jesus, must sing honestly about pain and abandonment without losing sight of the worship and honor God deserves.   *This episode was recorded live at the Illuminate Arts + Faith Conference   00:00:00  - Tease: The Duality of Abandonment and Praise 00:01:00 - Introduction from Curtis Chang 05:31 - Conversion and the Impact of Catholic Liturgy on His Faith 08:13 - Theology in Songwriting and Collaboration 09:57- Can Ecumenism Expand Your Perspective? 13:06 - John 17 and Praying for Church Unity  14:35 - Prophetic Calling Comforts the Afflicted and Challenges the Comfortable 16:38 - Protest Themes and the Burden of Truth 20:30 - Holding Space for Both Praise and Lament 21:55 - Christian Justice Movements and Prophetic Action 24:02 - The After Party Album and Amos's Call to Justice 24:11 - That He Will Overcome (musical insert) 26:29 - The Toppling of Empire Lyrics as Inspired by Dr. Mika Edmonson 29:04 - The Neurological and Physical Impact of Music on Memory and Community 34:03 - Personal Storytelling and Lament To Work Out Hard Things 40:00 - Rich Mullins' Influence and Legacy 41:24 - What Is The Song the Church Needs Now, In These Crazy Times? 43:48 - A Warning From Nazi Germany Against Ignoring Suffering   Take the Listener Survey Sign up for The After Party Sign up for The Good List   Mentioned In This Episode: The Nicene Creed and the History of the Council of Nicaea Matt Maher's Echoes album (Spotify) Matt Maher's Your Grace Is Enough Matt Maher's The Stories I Tell Myself Matt Maher's The Stories I Tell Myself (Acoustic video) Matt Maher, DOE, Dee Wilson, & The Porter's Gate's That We Might Overcome Listen to the album The Kingdom of Jesus: Songs For The After Party Rich Mullins' Canticle of The Plains (full album on Youtube) Rich Mullins' The Joy of Jesus (feat. Matt Maher, Mac Powell, & Ellie Holcomb) More about Francis Chan   Scriptures Referenced: Psalm 22 (ESV) John 17 (ESV) John 14:6 (ESV) Amos 5-6 (ESV)   More from Matt Maher: See Matt on tour Matt Maher's website Subscribe to Matt's email list Listen to Matt Maher on Spotify   Follow Us: Good Faith on Instagram Good Faith on X (formerly Twitter) Good Faith on Facebook   The Good Faith Podcast is a production of a 501(c)(3) nonpartisan organization that does not engage in any political campaign activity to support or oppose any candidate for public office. Any views and opinions expressed by any guests on this program are solely those of the individuals and do not necessarily reflect the views or positions of Good Faith.  

Every business owner hits a point where the tax questions start stacking up. Can I deduct this? Should I switch to an S Corp? Is this still a business if I have not made money yet? And what happens if I did something before I had my systems set up the right way?In this episode, Mike opens the floor to questions from business owners and breaks down the tax answers behind them. From zero-activity LLC filings and Schedule C concerns to family payroll planning, vehicle deductions, and rental strategies like the Augusta Rule, this episode covers the practical decisions that shape how much tax you pay and how well your strategy holds up. 

On the show: -Don't wear your claw clip while you're in the car -Apparently it's a thing...Just sitting in your car at the park -Is this the one time you should rat out the neighbor's kid -House explosion -Jerk or Justified? Contractors excuse for being a no show -"How Does the Story End" for tickets -Off the rails RingCam guy -

Few financial products generate as much excitement (or possibly as much confusion) as indexed universal life insurance.  IUL insurance has become one of the most aggressively marketed policy types in the industry, pitched with language that sounds almost too good to overlook, including terms such as market-linked upside, downside protection, tax-advantaged growth, and flexible premiums. https://www.youtube.com/live/fZS1uPmsCS0 Some of that is real, but we feel strongly that context and nuance should be applied when procuring any IUL policy, as it can obscure risks that don't become apparent until years after you have signed. This article is an honest guide to what an IUL policy actually is, how it works under the surface, what it promises versus what it delivers, and why, for those building a financial strategy around Infinite Banking, we consistently and strenuously recommend a different path. Key TakeawaysWhat Does Indexed Universal Life Insurance Mean?How Does an IUL Policy Work?The Floor, Cap, and Participation Rate ExplainedThe FloorThe CapThe Participation RateFlexible Premiums – Feature or Risk?IUL vs. Whole Life Insurance: Key DifferencesCan You Use an IUL for Infinite Banking?Why The Money Advantage® Recommends Whole Life for IBCWho Is IUL Best Suited For?IUL Pros and Cons: An Honest AssessmentWant Help Evaluating Your Policy Options? Key Takeaways An indexed universal life insurance policy is a form of permanent life insurance that ties cash value growth to the performance of a stock market index, subject to caps, floors, and participation rates. IUL offers flexible premiums and the potential for market-linked returns without direct market exposure. That flexibility, however, comes with complexity and risk that most sales presentations understate. The 0% floor protects against index-driven losses, but it does not protect against policy fees and rising cost of insurance charges, which can erode cash value even in flat or positive market years. For those practicing Infinite Banking, IUL introduces variables that conflict with the certainty and control the strategy requires. Whole life insurance remains the preferred vehicle. IUL is not inherently a scam or a bad product. It is, however, a complex one, and complexity without understanding is where financial damage happens. What Does Indexed Universal Life Insurance Mean? An indexed universal life insurance policy is a type of permanent life insurance with two distinguishing features: flexible premiums and a cash value component that earns interest based on the performance of a stock market index, most commonly the S&P 500. You don't own shares or invest directly in the market. Instead, the insurance company credits interest to your cash value based on how the chosen index performs over a given period, within defined parameters, including a floor (usually 0%), a cap (often 10-12%), and a participation rate (the percentage of index gains you actually receive). The core appeal of an indexed universal life insurance policy is quite understandable, as you get some exposure to market growth without the risk of direct market loss. Your cash value won't decline because of a bad year in the S&P 500, and that's exactly what the floor is for.  But with that comes a caveat: your gains are limited in strong years by the cap and the participation rate. Now, on the face of it, that may sound like a reasonable tradeoff. And for some people, in some situations, it certainly can be. But the full picture is far more complicated than the pitch suggests, and, once again, the complications tend to show up years down the road. How Does an IUL Policy Work? The mechanics of an IUL policy involve more moving parts than wholelife insurance, and understanding those parts is essential before committing to one. When you pay a premium, that money is allocated across three buckets: the cost of insurance (COI) – the actual price of maintaining your death benefit – policy fees and administrative charges, and whatever remains flows into your cash value account. The cash value is then credited with interest according to the index strategy you've selected. This is where the structure differs most from whole life insurance. With a whole life contract, your cash value growth is guaranteed by the contract, and dividends from a mutual company add to that growth. With IUL insurance, your credited interest depends on external index performance, constrained by the carrier's rules, which the carrier can change. That glaring distinction is far more telling than it might seem at first glance. The Floor, Cap, and Participation Rate Explained These three mechanics define the boundaries of your IUL's cash value growth, and they deserve a close look. The Floor The floor is the minimum interest credited to your cash value in any given period, usually 0%. If the S&P 500 drops 15% in a year, you are credited 0% rather than absorbing that loss.  That sounds protective - and it is, in a narrow sense.  But a 0% credit year doesn't mean your cash value holds steady. Policy fees and cost of insurance charges are still deducted regardless, which means your cash value can shrink even when the floor is doing its job. The Cap The cap is the maximum interest credited, regardless of how well the index performs. If your policy has a 10% cap and the S&P 500 returns 25% in a given year, you receive 10%. The other 15% stays with the insurance company. In a strong bull market, the cap quietly siphons off the upside that made the product appealing in the first place. The Participation Rate Finally, we have the participation rate, which determines what percentage of the index gain (up to the cap) you actually receive. An 80% participation rate on a 10% index return means you are credited 8%. However, caps and participation rates are not permanently fixed. Insurance carriers can adjust them. The concern here is that what may be illustrated at the point of sale may not be what you experience five, ten, or twenty years into the policy. Flexible Premiums – Feature or Risk? One of the most marketed features of indexed universal life insurance is premium flexibility. Unlike traditional whole life, where the base premium is fixed and contractually guaranteed, IUL allows you to vary premiums within certain limits. You can pay more in strong years and less in lean ones. While whole life with paid-up additions riders can also offer flexibility for adding extra premium, those additional contributions are optional. Traditional whole life does not depend on extra rider premiums to keep the policy in force. That sounds like freedom. In reality, it could be viewed as a trap, of sorts. The issue is that underfunding an IUL policy (paying less than the amount needed to cover insurance charges and fees) doesn't trigger an immediate consequence. The policy stays in force, but the shortfall compounds over time.  Alarmingly, because the cost of insurance in a universal life chassis increases as you age, the gap between what you're paying and what the policy requires can widen dramatically in your 60s, 70s, and beyond. This is one of the most commonly realized negatives of IUL insurance. Policyholders who reduced premiums during their working years discover decades later that their policy is on the verge of lapsing, and the cost to keep it alive has absolutely skyrocketed. By the same token, flexible premiums can work for disciplined, well-informed owners who understand the risks. But the flexibility itself is not the safety net it is frequently marketed as - it's an anxiety-inducing variable that requires active management for the life of the policy. IUL vs. Whole Life Insurance: Key Differences A huge number of people researching IUL are comparing it to whole life. But while the two products are both permanent life insurance, their internal architecture is fundamentally different. IULWhole LifeCash value growthTied to index performance, subject to caps, floors, and participation rates. Not guaranteed.Contractually guaranteed growth, plus highly anticipated dividends from a mutual company.PremiumsFlexible - can vary year to year.Fixed and level - guaranteed never to increase.Cost of insuranceIncreases annually with age. Deducted from cash value.Built into the level premium structure. No separate increasing charge.Death benefitCan fluctuate depending on funding and policy performance.Guaranteed for life.ComplexityHigh - multiple moving parts, carrier-adjustable terms.Low - contractually defined.Policy loan behaviorLoan interest plus uneven crediting can create negative arbitrage.Predictable. Cash value continues to earn while loans are outstanding. Either way, neither product is universally or objectively better. They serve different purposes, and the differences in guarantees, predictability, and internal cost structures are significant, especially for anyone planning to use their policy as a long-term financial tool. Can You Use an IUL for Infinite Banking? Some advisors market indexed universal life for “banking” strategies, making the case that IUL's potential for higher returns makes it a superior vehicle for building a personal banking system. That is not the same thing as the Infinite Banking Concept as taught by Nelson Nash. As Authorized Infinite Banking Practitioners, we believe Infinite Banking is properly implemented with dividend-paying whole life insurance because the concept is about becoming your own banker by taking the banking function into your own life. And our position is not arbitrary. The Infinite Banking Concept is built on predictability, certainty, and control. You need confidence in how your cash value system will function over time.  You need guaranteed access to policy loans. You need a death benefit that doesn't fluctuate....

On the show: -Artemis II conspiracy theories -One and done...you don't give people a second chance -Scott caught stealing at a charity event -Win the Day with James Whittaker -Quietly being the nark of the neighborhood -Jerk or Justified? When you ask for someone's opinion do you REALLY want their opinion? -Second guessing the school trip -"How Does the Story End?" for tickets -Contractor Horror story

The Michelin Guide is coming to Pittsburgh! The timing is kind of hilarious, since we just did an episode about why our city doesn't have — or need – Michelin star restaurants. Host Megan Harris and City Cast contributors Colin Williams and Hal B. Klein chat about this development, laugh about our clairvoyant conversation, and share which restaurants they think might (or might not) get a star. Plus, executive producer Mallory Falk joins to discuss a Washington Post editorial chiding Pittsburgh Public Schools for going remote during the NFL Draft. The team also gets into concerns about how our unhoused community might get treated during the draft, PA's first underground state park, and more bad news for Pittsburgh's brewery scene. Then, in a members-only fourth segment, we unpack a juicy profile of the Block brothers and share the latest gossip about the future of the Post-Gazette. Come celebrate Pittsburgh with us on 412 Day! We'll be at Southern Tier Brewing on the North Shore on Sunday, April 12 from 11am-2pm. Find all the details about the free event and RSVP here. We'll be cheering on everything we love about our city. Notes and references from today's show: VisitPITTSBURGH Unveils “PicksBURGH” Downtown Celebrations Ahead of 2026 NFL Draft Presented by Bud Light [VisitPITTSBURGH] Schools are closing for the NFL draft. What does this teach students? [The Washington Post] Pittsburgh Public Schools to lease parking lots for NFL Draft as students move remote [WTAE] Advocates ask for Pittsburgh's homeless to be treated humanely during 2026 NFL Draft [TribLive] PODCAST: Why Pittsburgh Doesn't Have (or Need) Michelin Star Restaurants [City Cast Pittsburgh] The Michelin Guide is Coming to Pittsburgh. How Does it Work? [City Cast Pittsburgh] PODCAST: ICE at PIT, Weird Heinz Products & Kennywood's (Almost) Open [City Cast Pittsburgh] “Go help save some lives”: Give blood with the Red Cross [American Red Cross] Penn Brewery closes Pittsburgh International location amid financial struggles [Post-Gazette] Inner Groove Brewing says its closing one of its taprooms in Pittsburgh [WTAE] With 2 more Pittsburgh-area locations set to close, Primanti Bros. looks to recalibrate [Post-Gazette] ‘I Will Destroy You': The Battle Inside a Midwestern Media Dynasty [WSJ] The Nation's Longest Ongoing Strike Is Over—but the Battle Isn't [Columbia Journalism Review] Learn more about the sponsors of this April 10th episode: Pittsburgh Cultural Trust City Theatre Clearview FCU Sustainable Pittsburgh Window Nation Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news?  Sign up for our daily morning newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here.

Why do so many talented senior engineers struggle the moment they step into a tech lead role? Most of them are promoted based on their coding ability, but that same strength becomes a liability the moment they start leading a team.In this episode, Anemari Fiser, tech lead coach and author of “Leveling Up as a Tech Lead”, shares the three mindset shifts that define the transition from senior engineer to effective tech lead: moving from an “I” to a “We” mindset, shifting focus from code to value, and trading short-term thinking for long-term impact. She explains why so many engineers hold on to coding out of fear, how to delegate without losing accountability, and why most technical problems are really people problems in disguise. Anemari also addresses how AI is reshaping the tech lead role and why the fundamentals of leadership still apply regardless of the tools your team uses.Key topics discussed:The 3 mindset shifts required for the transition to tech leadWhy your coding strength can hold back your teamHow to let go of coding without losing your technical edgeDelegation secrets: setting expectations that actually stickInfluencing without authority — and when it's not enoughHow to measure your impact when results are hard to seeLeading your team through AI adoption without creating chaosTimestamps:(00:00:00) Trailer & Intro(00:02:41) What Motivated Anemari to Write Her Book, Leveling Up as a Tech Lead?(00:05:41) How Is the Tech Lead Role Defined?(00:06:45) How Does the Engineering Manager Role Differ From a Tech Lead?(00:09:37) Why Is the Transition to Tech Lead One of the Most Challenging Career Moves?(00:14:21) How Can Tech Leads Shift From Short-Term to Long-Term Thinking?(00:18:34) How Can Tech Leads Learn to Let Go of Writing Code?(00:26:30) Why Is Every Tech Problem Actually a People Problem?(00:30:52) How Can Tech Leads Delegate Effectively?(00:37:18) How Can Tech Leads Influence Without Authority?(00:40:37) Why Is Accountability Without Authority Unfair to Tech Leads?(00:43:42) How Can Tech Leads Measure Their Impact?(00:46:52) How Does AI Change the Role of a Tech Lead?(00:52:26) Should Tech Leads Use AI to Get Back to Hands-On Development?(00:55:33) How Can Tech Leads Stay Accountable for AI-Generated Code?(01:00:26) With AI in the Mix, Is a Tech Problem Still Just a People Problem?(01:01:10) 3 Tech Lead Wisdom_____Anemari Fiser's BioAnemari Fiser is a tech leadership trainer, coach and O'Reilly author of Leveling Up as a Tech Lead. With over a decade in tech, she has coached 500+ engineers and trained 400+ tech leads worldwide, and shares practical leadership insights on LinkedIn with a community of 30,000+ tech professionals.Follow Anemari:LinkedIn – linkedin.com/in/anemari-fiserWebsite – anemarifiser.com Leveling Up as a Tech Lead – oreilly.com/library/view/leveling-up-as/9781098177508Like this episode?Show notes & transcript: techleadjournal.dev/episodes/252.Follow @techleadjournal on LinkedIn, Twitter, and Instagram.Buy me a coffee or become a patron.

In this episode, we sit down with David Laborde, Director of the Agrifood Economics and Policy Division at the Food and Agriculture Organization of the United Nations.  David shares his journey as a trade economist and how it has shaped his approach to today's agrifood systems. We discuss the role of trade in food security and the true cost of the food we consume.  We also dive into the art of policymaking in complex systems, from balancing competing priorities to managing unintended consequences to navigate difficult tradeoffs.  0:57 How Does a Trade Economist End Up at FAO?  6:14 How Does Trade Affect Food Security and Nutrition?  8:45 Is Local Food Actually Better?  11:57 Does Trade Make You Vulnerable?  17:53 Does Trade Keep Peace?  24:28 Are We Giving Away Our Resources?  33:14 What Is the True Cost of Food?  36:43 Can Subsidies Fix Agrifood Systems?  44:43 On Navigating Complex Tradeoffs  50:13 Towards a Global Social Contract 

Send us Fan MailWe're over a week into spring and a lot of people aren't feeling the energy surge they were expecting. If you're more fatigued, more tense, more reactive, or just feeling off — this episode is for you.It's not in your head. There's a specific physiological reason spring can feel harder than it should, especially if you've been dealing with chronic health conditions or you live in a northern climate.In this episode I break down what's actually happening in your body as it transitions from winter's lower output state into spring's higher metabolic demand — and why that shift requires mineral support most people don't have coming out of winter.We cover:Why your body feels worse when things are supposed to be getting betterThe role of sodium, potassium, and magnesium in seasonal transitionsWhy muscle tension and stiffness spike in early springWhy seasonal allergies are a mineral story as much as a pollen storyWhat it actually means to support your body through the season rather than push through itSpring isn't asking you to do more. It's asking you to be resourced differently.New to the podcast? Start here → What Is Rewilded Wellness and How Does the Body Heal ItselfSupport the showSupport the podcast  Mineral Foundations Course HEREMinerals & Microbes package HERERewilded Wellness program HEREJoin my newsletter HERE If you are interested in becoming a client and have questions, reach out by emailing me: lydiajoyme@gmail.com  Find me on Instagram : @ Lydiajoy.me

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Even households earning six figures find themselves 'on thin ice' in today's K-shaped economy, where economic gains are unevenly distributed. Rising costs and financial pressures are exposing vulnerabilities across income levels that seemed secure just years ago.Today's Stocks & Topics: Canadian Imperial Bank of Commerce (CM), Market Wrap, ProShares UltraPro QQQ (TQQQ), How Does the K-Shaped Economy Explain Six-Figure Earner Struggles?, Mastercard Incorporated (MA), Meta Platforms, Inc. (META), Defense Contracts, Take-Two Interactive Software, Inc. (TTWO), Data Centers.Introducing our Third Annual InvestTalk Market Madness! Join the mayhem before May 18th at 11:59 pm PST for the chance to win $1,500! Fill out your bracket below: https://kppfinancial.com/investtalk-madnessOur Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Progressive: https://progressive.com* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Connor Teskey is the new CEO of Brookfield Asset Management, one of the world's largest investors, managing about a trillion dollars across infrastructure, power, real estate, private equity, and credit.  In this exclusive in-depth interview, his first as CEO, we explore his approach to capital allocation, isolating variables, and building a business designed for long-term growth. Discover why effective investing begins with minimizing losses, how waiting for perfect information can result in missed opportunities, the strategies Brookfield uses to manage market risk while maintaining upside potential, and the key insights he gained working alongside Bruce Flatt. This discussion goes beyond investment strategies, offering a glimpse into Connor's perspective on decision-making in an uncertain environment, mentorship, culture, positioning, and talent. It's a rare inside look at the operations of one of the world's most tight-lipped firms. Enjoy!  ----- Timestamps: (00:00) Introduction (00:05) State of the Union for Brookfield (04:14) Nature of Investing (07:24) The Rise to Brookfield (12:06) Your Work Ethic is in Your Control (17:30) Ad Break (19:00) Data Center Deep Dive (22:22) How Does a Deal Come to Be? (29:34) Taking Bets Against Consensus (32:00) What Happens Post Business Acquisition? (40:44) Ad Break (41:55) Lived Experience Through Crashes (43:44) Where Does Talent Matter the Most at Brookfield? (47:10) Identifying Talent (58:18) Using AI to Increase Value Not Cut People (01:01:58) When Was Brookfield the Underdog? (01:03:38) Personal Ambition Over the Next 20 Years (01:10:34) Behind The Scenes of Oaktree (01:15:17) Work and Life Harmony (01:17:54) Time Allocation (01:19:58) The Most Fun Deal to Work On ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ Follow Connor Teskey: LinkedIn: https://www.linkedin.com/in/connor-teskey-67931326b/?originalSubdomain=uk ------ Thank you to the sponsors for this episode: +Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Check out the Granola Notes: https://notes.granola.ai/t/b0c2c94e-a330-4f0f-a62d-beb3c946a539-009c2hma +Download The League App today and find your perfect match! https://click.theleague.com/qmhm/0vdzsmj5 +Shopify: https://shopify.com/knowledgeproject Learn more about your ad choices. Visit megaphone.fm/adchoices

What Is Reduced Paid-Up (RPU) Insurance? Somewhere buried in your whole life insurance policy, there's a provision called the reduced paid-up option. Most people never think about it until they need to. And by then, they're usually Googling it in a mild panic. So let's get ahead of that.  Reduced paid-up insurance is a nonforfeiture option written into every whole life policy. It gives you the right to stop paying premiums and keep a smaller, permanent death benefit, fully paid up, no strings attached, no further payments required. Your cash value funds the whole thing. https://www.youtube.com/live/ypC6twnNlsA What Is Reduced Paid-Up (RPU) Insurance?Key TakeawaysThe Short Answer: What Does "Reduced Paid-Up" Mean?How Does the Reduced Paid-Up Option Work?A Simple ExampleWhat Happens to the Cash Value?Reduced Paid-Up vs. Other Nonforfeiture OptionsWhen Might Someone Use the Reduced Paid-Up Option?Financial HardshipRetirementInherited policiesIntentional simplificationReduced Paid-Up Insurance and the Infinite Banking ConceptWhy IBC Policyholders Rarely Elect RPURPU as a Safety Net Within Your Banking SystemWhy Proper Policy Design MattersBook a Call to Find Out Your Next Step to Time and Money Freedom Why Should You Understand RPU Insurance? It's one of the most important safety nets your policy offers. But if you're building a financial strategy around your whole life policy (especially if you're using it as part of an Infinite Banking system), RPU insurance is something you should understand thoroughly, even if you never plan to use it. This guide covers what the reduced paid-up option is, how it works, how it compares to your other nonforfeiture options, and why it occupies a very specific place in the broader picture of wealth building with whole life insurance. Key Takeaways Reduced paid-up insurance lets you stop paying premiums on a whole life policy while retaining a smaller, permanent death benefit. No further payments are owed, ever. Your cash value isn't lost. It's applied as a single premium to purchase the new, reduced policy, which may continue earning dividends. RPU is one of three standard nonforfeiture options. The other two, cash surrender and extended term, serve different purposes depending on your goals. For policyholders practicing Infinite Banking, electing RPU means stepping off the accelerator. The policy still exists, but the compounding engine that makes IBC powerful slows significantly. Knowing your options is a form of control. You don't have to use RPU to benefit from it being there. The Short Answer: What Does "Reduced Paid-Up" Mean? Reduced paid-up life insurance is a contractual right baked into your whole life policy. If you reach a point where you can't (or don't want to) continue paying premiums, you can elect RPU instead of surrendering the policy entirely. When you do, your insurance company uses the cash value you've accumulated as a one-time net premium to purchase a new whole life policy. Same type of coverage. Same insured person. But with a lower death benefit that reflects the smaller amount of money funding it. No cash comes to you, and no cash leaves your pocket: the whole transaction happens inside the whole life insurance policy. An analogy that might help: imagine you have been renting a large warehouse for your business, paying monthly rent to use the full space. Your needs change, and you can't justify the rent anymore. Instead of walking away and losing the space entirely, you are offered a smaller unit in the same building, fully owned, rent-free, and yours permanently.  While you might have less room, you still have a foothold. That's RPU. The critical thing to understand is that "reduced" refers to the death benefit, not the quality of coverage. You still hold a permanent, participating whole life policy. It just covers a smaller amount. How Does the Reduced Paid-Up Option Work? The mechanics are less complicated than the policy document makes them look. Your policy has been accumulating cash value with every premium payment you've made. When you elect RPU, that accumulated cash value gets applied as a single lump-sum premium. The insurance company then calculates how much fully paid-up whole life coverage that lump sum can buy at your current age and health classification. The result: a new permanent policy with a reduced face amount. No premiums due going forward. The policy stays in force for your entire life. Depending on your carrier (particularly if you are with a mutual company), the paid-up policy may still be eligible for annual dividends. That means your cash value can continue to grow, and in some cases, the death benefit can edge upward over time. The growth won't be dramatic. Without fresh premium dollars feeding the policy, the compounding effect slows down considerably. But it doesn't stop entirely. A Simple Example Say a policyholder has been paying into a whole life policy for twelve years. The original death benefit is $500,000, and the policy has accumulated $80,000 in cash value. Premiums are $8,000 annually. Circumstances shift, maybe a business transition, maybe a pivot in priorities, and continuing those premium payments no longer makes sense. Rather than surrendering the policy and walking away with the $80,000 (minus any fees or outstanding loans), the policyholder elects RPU. The $80,000 cash value purchases a fully paid-up whole life policy with a death benefit of approximately $200,000. Ultimately, that means no more premiums, and your permanent coverage stays intact. The policy may continue to participate in dividends. (These figures are illustrative. Actual RPU amounts vary by age, insurer, policy type, and contract terms.) What Happens to the Cash Value? Your cash value doesn't disappear, it's not surrendered, and it's not paid out to you. It becomes the funding mechanism for your new, smaller policy. Once RPU is elected, the paid-up policy functions like any other whole life contract. If your insurer is a mutual company that distributes dividends, your reduced policy may still receive them. Cash value can continue to accumulate. In some cases, the death benefit gradually increases over time as dividends are applied. The difference is pace. A fully funded whole life policy with regular premium payments and Paid-Up Additions is a compounding machine. A reduced paid-up policy is more like that same machine idling; still running, still producing, but at a fraction of the output. Reduced Paid-Up vs. Other Nonforfeiture Options RPU isn't your only route if you need to stop paying premiums. Whole life contracts include three standard nonforfeiture options, each designed for a different set of circumstances. Cash SurrenderExtended TermReduced Paid-UpWhat happensPolicy terminated. You receive the accumulated cash value (minus fees and loans).Cash value buys a term policy at the original death benefit for a limited period.Cash value buys a smaller permanent whole life policy.Death benefitNone - coverage ends.Same as the original, but only for a fixed term.Reduced, but permanent and lifelong.Future premiumsNone - policy is cancelled.None during the term period.None - policy is fully paid up.Cash value after electionPaid out to you.No further accumulation.May continue to grow via dividends.Best suited forYou need immediate liquidity and are willing to give up coverage entirely.You want the full death benefit maintained for a specific window of time.You want to keep permanent coverage without any future premium obligation. RPU sits in the middle ground. You lose some death benefit, but you keep permanent coverage and a policy that can still participate in dividends. It's the option that preserves the most long-term value if you don't need immediate cash and don't want to gamble on a term expiration date. Which option fits best depends on what the policy is doing in your financial life. If it's just a death benefit, the calculus is one thing. If it's a cornerstone of a broader wealth strategy, the calculus shifts considerably. When Might Someone Use the Reduced Paid-Up Option? People elect RPU for all sorts of reasons, and none of them are failures. After all, life changes, and priorities shift. Either way, a good policy is designed to give you flexibility when that happens. Financial Hardship Job loss, health setbacks, a business downturn, if your income drops and premiums become unsustainable, RPU protects what you've already built without forcing you to surrender everything. Retirement As you move from accumulation years to distribution years, your relationship with premium payments naturally changes. Some retirees elect RPU because the reduced death benefit still covers their estate planning needs, or their income can no longer support the premium payments. Inherited policies If you've inherited a whole life policy from a family member, you may not have the budget or the desire to continue paying premiums on a policy you didn't choose. Electing RPU keeps the coverage in force at no ongoing cost. Intentional simplification Multiple policies, shifting coverage needs, and a desire to streamline. Sometimes RPU is just the cleanest way to right-size your insurance without losing the permanent coverage you've built over years of payments. Every one of these situations is legitimate, and the reduced paid-up option exists precisely to serve them. It's a built-in exit ramp, of sorts, not a sign that something went wrong, but proof that the policy was designed to handle real life. Reduced Paid-Up Insurance and the Infinite Banking Concept Most content about RPU insurance treats it as an isolated insurance term. Define it, compare it to the other nonforfeiture options, and move on. But if you are using your whole life policy as part of an Infinite Banking strategy,

If the idea of FaceTime sex makes you want to immediately close your laptop and never speak of it again, I get it — but hear me out. Whether you're in a long-distance relationship, traveling, or just looking to try something new with a partner you see every day, virtual sex is one of the most underrated tools for keeping intimacy alive. And when you do it right, it's genuinely hot. In this episode, I'm walking you through everything you need to know — from the practical setup to what to actually say — so it stops feeling awkward and starts feeling like real sex. In this episode, you'll learn: • How to actually set up, prepare, and get in the mood before the call — including the one thing you can do beforehand that builds confidence and arousal at the same time • What to say during FaceTime sex, even if dirty talk doesn't come naturally to you — plus how to use past memories, future fantasies, and simple direction to keep things moving • How to handle it when your partner's virtual kinks don't match yours, when sexting with someone outside your relationship starts bleeding into your real one, and how to know when a sexting session is actually over This episode is sponsored by... LELO SONA 3 – https://lelo.to/HX2gO (Use code SWE20 for a stackable 20% off!) More Dr. Emily:  • Shop With Emily! Explore Emily's favorite toys, pleasure accessories, bedroom essentials, and more — designed to support your pleasure and confidence. Free shipping on orders $99+ (some exclusions apply).5 • Interested in 1:1 Coaching with Emily? Go to sexwithemily.com/coaching to apply!  • Sex With Emily Guides: Explore pleasure, deepen connections, and enhance intimacy using these Sex With Emily downloadable guides. • The only sex book you'll ever need: Smart Sex: How to Boost Your Sex IQ and Own Your Pleasure • Want more? Visit the Sex With Emily Website • Let's get social: Instagram | X | Facebook | TikTok | Threads | YouTube • Let's text: Sign up here • Want me to slide into your email inbox? Sign Up Here for sex tips on the regular. Chapters: 0:00 - Intro 1:48 - Who Benefits from Virtual Sex (Long-Distance, Couples & Singles) 3:34 - Sending Nudes: Risks, Consent & Generational Differences 6:51 - Safety First: Platforms, Boundaries & Mutual Consent 8:01 - The Power of Foreplay Before You Go Live 10:58 - How to Pull Off FaceTime Sex: Prep, Setup & Device Tips 16:16 - Dirty Talk & What to Actually Say in the Moment 20:06 - Q&A: How to Spice Up Virtual Sex 22:07 - Q&A: Navigating Kinks You're Not Into 26:44 - Q&A: How Does a Sexting Session Actually End? 28:28 - Q&A: Is Sexting Outside My Marriage Cheating? Learn more about your ad choices. Visit megaphone.fm/adchoices

The finale is here and with it, our coverage! STARFLEET ACADEMY season one comes to a close with that favorite Trek Trope: a trial! Not quite Q's damning trial of humanity, this is Nus Braka's trial of the Federation. Does Caleb Mir stand in for "Trek audiences?" How DOES a photonic skin their knee? We ask these questions and more, in this episode of WE ARE STARFLEET. The full crew of the pod is here to unpack! HOSTED BY Ashley Thomas, Craig McKenzie, Ian Buckley, and Mike Slamer PATREON + SUPPORT  Help support our show, earn bragging rights, and more!  ⁠⁠⁠⁠https://www.buymeacoffee.com/wearestarfleet⁠⁠⁠ Produced by Mike Slamer  Original Music by Anthony Fuscaldo  Follow the show and join in the conversation on Bluesky at ⁠⁠⁠⁠StarfleetPod.bsky.social⁠⁠⁠⁠ and Instagram ⁠⁠⁠⁠@StarfleetPod⁠⁠⁠⁠.  All our links: ⁠⁠⁠www.wearestarfleetpod.com⁠⁠⁠ A proud part of the Film Stories Network, which includes MAKE IT SO: A Star Trek Legacy Podcast. ⁠⁠⁠⁠FilmStoriesNetwork.co.uk⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Matt Slick Live (Live Broadcast of 03-05-2026) is a production of the Christian Apologetics Research Ministry (CARM). Matt answers questions on topics such as: The Bible, Apologetics, Theology, World Religions, Atheism, and other issues! You can also email questions to Matt using: info@carm.org, Put "Radio Show Question" in the Subject line! Answers will be discussed in a future show. Topics Include: Are The Gifts of The Spirit and The Charismatic Gifts The Same Thing?/ What Happens When Government Leaders Mix Theology and Current World Events/ God's Sovereignty, Judgement and Imprecatory Psalms/Predestination, What is it?/How Does it Pertain to Believers?/ Why Do Not We Call Jesus YAHWEH?/ Another Conversation with A Black Hebrew Israelite (BHI)/ March 5, 2026

In this provocative episode of Unveiling Mormonism, Pastor Bryan challenges the very bedrock of the LDS faith: the necessity of a modern priesthood. By comparing the Church of Jesus Christ of Latter-day Saints' definitions of the Aaronic and Melchizedek offices against the biblical text of the NLT, we explore whether Joseph Smith truly restored an ancient order or created a new organizational hierarchy. From the "toll collectors" of religious systems to the liberating New Testament doctrine of the Priesthood of All Believers, this conversation shifts the focus away from human "keys" and back to the finished, unchangeable work of Jesus Christ.Key Discussion PointsThe Hook: The High Stakes of the MiddlemanReligion often positions itself as the "toll collector" on the bridge between humanity and God. In Mormonism, the priesthood is presented as the essential authority required to access the highest heaven. We ask the "edgy" question: Does the bridge still need a middleman?The Aaronic Priesthood: Ritual or Bloodline?An investigation into the Old Testament requirements for the Aaronic Priesthood reveals stark differences from the LDS "preparatory" office for 12-year-olds.Lineage: Biblical priests required specific DNA (descendants of Aaron).Maturity: Service began at age 25–30, not 12.Purpose: The biblical office was defined by animal sacrifice—a "shadow" that pointed toward the ultimate sacrifice of Jesus.The Melchizedek Mystery: Who Really Holds the Keys?In the New Testament, the Melchizedek Priesthood isn't a category of office for thousands of men; it is a unique, untransferable ($aparabatos$) office held by Jesus alone. Because Jesus lives forever, He requires no successor or local "holder" of His authority.The Priesthood of All Believers: No More MiddlemenExploring the radical shift in 1 Peter 2:9, where the "royal priesthood" is extended to every believer—regardless of gender, age, or status. The tearing of the Temple veil signaled the end of the religious hierarchy, granting every person direct access to the throne of grace.Closing the Loop: The Finished WorkThe bridge to God isn't built of "worthiness interviews" or human rituals. It was built by the cross. For the follower of Jesus, standing with God is tied to the Savior, not a system.Scriptural Highlights (NLT)Hebrews 7:23-24: "There were many priests under the old system, for death prevented them from remaining in office. But because Jesus lives forever, his priesthood lasts forever."1 Peter 2:9: "But you are not like that, for you are a chosen people. You are royal priests, a holy nation, God's very own possession."--Keyword: PriesthoodWhy Is The “Priesthood Of All Believers” So Important?What Is the Melchizedek Priesthood in Mormonism?How Does the Mormon Aaronic Priesthood Compare to the Bible?The Unveiling Mormonism podcast pulls back the curtain on Mormon history, culture and doctrine. Join us for new episodes every Monday. Find resources to talk about these episodes at pursueGOD.org/mormonism.Help others go "full circle" as a follower of Jesus through our 12-week Pursuit series.Click here to learn more about how to use these resources at home, with a small group, or in a one-on-one discipleship relationship.Got questions or want to leave a note? Email us at podcast@pursueGOD.org.Donate Now

Jake "Brutal" Bostwick was 16 years old, and already knocking people out. This is the story of what happens when the streets, the gym, and personal challenges collide into something nobody planned but everyone should hear.What this episode is about:This conversation goes deep into the raw, unfiltered origin story of a fighter who never took the conventional path. No scholarship, no academy, just South East London in the 90s and 2000s, a dropout with fast hands, and a moment where a stranger called out his father on the mic and changed the course of his life forever.Key topics discussed:Starting MMA at 16 with the first five fights being underageGrowing up in South East London in the 90s and 2000s.Dropping out of school and nearly joining the armyThe fight that changed everything- What it feels like after your first knockout Why this episode matters:This one is for anyone who grew up in a tough environment and had to carve their own path without a safety net. No blueprint, no backup plan. Just survival instincts turned into a career. If you have ever made a decision driven purely by loyalty, pride, or gut feeling you will understand exactly why he stepped into that fight.Fighters, combat sports fans, and anyone who respects a real origin story will not want to skip this.Drop a comment: would you have stepped up in that moment? Subscribe for more conversations like this and share it with someone who needs to hear this story.Time Stamps:00:00 Intro 01:30 Training with tactical weapons03:55 The difference in London vs. Miami06:24 How did Jake get into professional fighting?07:52 Growing up in South East London08:53 Jake's First Professional Fight 11:02 Overcoming Injury Early in His Career11:19 How it Feels to Step in The Ring For Your First Fight 13:56 How Much Damage Can you Actually Endure in a Fight14:32 Jake's Professional Career 15:34 How Jake's Sustained His First Serious Injury 16:25 Jake's First 3 Fights16:47 The Fight that Changed Jake's Life18:06 What Made Jake Decide to Continue Fighting19:36 Fighting Professionally in the UK20:23 How Did Jake Earn his Nickname "Brutal"21:23 How Do You Get Prepared for A Fight? 22:57 Preparing For A FIght During a Family Tragedy 24:49 The Importance of Having Discipline29:30 Jake's Relationship with Andrew Tate31:48 How to Handle Imposter Syndrome32:45 Jake's Upcoming Fights 33:36 How to Train in the Days Leading Up to a Fight35:00 Cheat Code to Lose Weight FAST36:27 The Horrors of Weight Cuts37:45 How it Feels to Tap Out in a Fight39:30 Brutality of Bare Knuckle Fighting41:36 How Does it feel To Get Hit During a Fight 43:05 Difference Between MMA and Bare Knuckle Fighting44:03 How Did Jake Get Into Bare Knuckle Fighting45:15 How UK Gypsies Take Care of Business with Fighting46:01 Street Fights In South London47:28 How to Remain Calm During a Fight49:12 The Importance of Manifestation 52:13 Training With Jake Paul56:14 Was The Jake Paul vs. Mike Tyson Fight Fake? 57:28 Jake Paul vs. Joshua 59:33 Is The Jake Paul Criticism Deserved? 01:00:33 The difference Between Boxing Today vs Back Then01:01:47 New Age of Training01:04:18 Nutrition and Supplements 01:06:43 Modern Day Diet is Ruining your Body01:08:41 The Problem With Today's Health System01:09:57 Conspiracy Theories01:12:38 History, Politics, and Religion01:14:50 Jared's HACKER Story01:16:25 How Negativity Can Ruin Your Life01:21:32 Stem Cells 01:23:30 Best Life Changing Advice Jake has EVER Received01:25:45 How to Stay At a High Energy State During Hard Times01:26:50 What is One thing Jake Believed About Life That Turned out Wrong01:28:58 What Should People Do To Improve Their Life

Mary Shelley's Frankenstein continues to captivate audiences centuries after its publication, but not all adaptations emphasize the same ethical questions. Matthew and returning guest AK dive into both the original novel and Guillermo del Toro's recent film adaptation—not to catalog their differences, but to explore how each medium handles the story's core moral dilemmas and which approach proves more compelling.How Does the Film Emphasize “The Other” Differently?While both the book and film explore themes of parentage, responsibility, and scientific hubris, they emphasize different ethical questions. AK notes that the novel places stronger emphasis on the responsibilities of individuals in medicine and parenting, particularly through the lens of abandonment. The film, however, foregrounds questions about the grotesque other, the monstrous other, and how appearance shapes moral judgment. The visual decisions in del Toro's adaptation—juxtaposing the creature against beautiful backdrops that shift with emotional moments—underscore this emphasis.How Does the Shift from Abandonment to Abuse Change Victor's Responsibility?One of the most striking differences between the book and film lies in Victor Frankenstein's initial interaction with his creation. In Shelley's novel, Victor creates the monster, goes to bed, wakes up, and immediately flees—abandoning the creature with almost no interaction. Del Toro's film takes a dramatically different approach: Victor spends considerable time with the creature, engaging with it in ways impossible in the book. This changes the fundamental ethical question. Does Victor bear responsibility for abandonment and neglect, or for intentional, directed abuse? The film's choice to show an extended period of interaction—where Victor treats the creature as an object rather than a being—shifts the moral weight of his culpability.Why Does the Composite Body Matter More Now Than Ever?Victor's method of selecting “optimal” body parts from different corpses to create his creature resonates uncomfortably with contemporary debates about human enhancement and biotechnology. The discussion explores how Victor's approach—viewing the creature as an optimization project rather than a living being—connects to modern questions about CRISPR, genetic modification, and who decides what constitutes an “optimal” human body. These questions inevitably involve ableism and the commodification of bodies. The film's emphasis on Victor literally selecting bodies at prisons raises urgent parallels to current concerns: Who becomes test subjects for experimental procedures like Neuralink? Are they being viewed as humans or as subjects for experimentation?Other Topics Covered:Why the novel's nested narrative structure (stories within stories) creates a unique moral complexityHow both works explore humanity's relationship to nature, science, and the line between achievement and hubrisThe challenge of adapting works from different historical contexts when what counted as scientific hubris has radically changedThe concept of viewing people as player characters (with their own interiority) versus non-player characters (existing only to advance your plot)Why Frankenstein's relevance grows as biotechnology makes questions of life preservation more immediateThe conversation reveals how both Shelley's novel and del Toro's film use the Frankenstein story to explore timeless questions through different emphases—one focusing on neglect and parental failure, the other on abuse and the othering of those who don't meet conventional standards of beauty or normalcy. **************************************************************************This episode is a production of Superhero Ethics, a The Ethical Panda Podcast and part of the TruStory FM Entertainment Podcast Network. Check our our website to find out more about this and our sister podcast Star Wars Generations.We want to hear from you! You can keep up with our latest news, and send us feedback, questions, or comments via social media or email.Email: Matthew@TheEthicalPanda.comFacebook: TheEthicalPandaInstagram: TheEthicalPandaPodcastsTwitter: EthicalPanda77Or you can join jump into the Star Wars Generations and Superhero Ethics channels on the TruStory FM Discord.Want to get access to even more content while supporting the podcast? Become a member! For $5 a month, or $55 a year you get access to bonus episodes and bonus content at the end of most episodes. Sign up on the podcast's main page. You can even give membership as a gift!You can also support our podcasts through our sponsors:Purchase a lightsaber from Level Up Sabers run by friend of the podcast Neighborhood Master AlanUse Audible for audiobooks. Sign up for a one year membership or gift one through this link.Purchase any media discussed this week through our sponsored links.