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Local law enforcement to increase patrols during holiday season, Teenage boy under arrest after female student is stabbed at San Ysidro High School,  Suspect arrested after altercation with San Diego Deputy during a welfare check in Lakeside

It's episode 600 of the podcast, not that we're doing much to mark that milestone! We have some excellent questions today, taking in retirement planning, getting a mortgage if you have a new business and how flexible ISAs work! Shownotes: https://meaningfulmoney.tv/QA35  02:43  Question 1 Hi Pete, I'm a single household, due to pay my mortgage off in my early 50's….I have very little savings and pensions are everywhere and been 'balanced fund choices' as I either do self employed work or fixed term contracts. I'm really concerned I won't have 'enough' to retire.  Where do I start to know how much I need? I don't have an extreme fancy lifestyle but want to live comfortably with running a car, having a nice home and having a holiday every few years. I would also like to help my siblings out if possible when they need it. Also for your business…..have you thought of making it an 'employee owned trust' in the future?  This could be a good option if you don't want it swallowed up by larger organisations and want to keep a people focussed culture. Thanks, Anna 12:57  Question 2 Hi Pete and Roger Recently discovered the podcast and it's been really helpful in getting my thoughts straight about future planning - thank you! My job gives me a DB pension that as it stands will give me £4617 per year at 67 - for every year I work that will go up by one 54th of my salary, (£57k) so £1055 annually if I stay at the same grade. Increased by cpi plus 1.5% annually at the moment; and by CPI only once in payment. I can exchange part of this for a lump sum when I take it but that's a decision for another day! I'm projected for full SP at 67 after another 2 years contributing. I have £30k in a pensionbee that I'm adding to £100 a month, and after listening to the podcast I have started an AJ Bell SIPP (vanguard lifestrategy 60% equity) which I'm adding £200 a month to. Also working on the cash ladder/emergency fund - currently just £5k in a cash ISA I am hoping to get this up as much as possible. After overpaying mortgage and contributing to PensionBee/SIPP I can save £200 in a good month. I am aiming to retire as soon as I possibly can after 60, when the kids will all be in their 20s. I am sure this seems impossible but might as well aim high!!! So my priority is to build for the years between 60 and 67. And leave something for the kids, eventually! So…my question!! I have an old tiny deferred DB pension that I can take at 60, £3461 lump plus £1153 per annum (no option to take either a smaller or larger lump sum). I can't trivially commute this due to the rules of the scheme. As it's deferred there are no other benefits eg death in service. Or,  I can take this now (age 53) with a reduction for early payment so it would be worth £3076 lump and £869 per annum.  The pension increases each year by CPI while deferred and also when it's in payment. Does it make sense to take now, and put lump and monthly payment into either mortgage, or SIPP,  or cash ISA? And if so which - SIPP gets me extra 25% from the gov as it's under pension recycling amount? But £3k off my mortgage now might be better. Cant get my head around the maths of this...but my gut feel is it would be working harder for me in my hand despite the fact I'd be taxed on the annual amount? I'd make sure that with my work and personal contributions I stay in 20% tax band and reclaim from HMRC when I do my tax return. Sarah  19:39  Question 3 Hi Pete and Roger, great show and love the new format to allow listeners to ask lots of questions. My question is around pension inheritance. When a person dies and passes a DC pension to a spouse or child, does the inheritance remain in the pension wrapper when it passes on or does it lose its pension wrapper status which allows the person inheriting to use the cash as they want without the pension restrictions? Many thanks, Kavi   26:04  Question 4 Hi Pete I've been watching your videos and listening to your podcasts for about two years now and I'll start by thanking you (and the youthful Mr Weeks) for the public service you provide outside your paying work.  I have what I think is a simple question, but I don't seem to be able to find a definitive answer on-line. I retired about this time two years ago at the age of 62 so I'm 64 now.  I have a DC pension in the form of a SIPP which is currently worth a little more than £600k.  I also have a similar amount in savings (some in cash, some in an S&S ISA).  I live on a combination of the income provided by the cash and the S&S ISA, plus a series of small UFPLSs taken roughly quarterly from my SIPP throughout the tax year. At this stage the SIPP withdrawals are relatively modest (totalling maybe 12k a year, of which of course 3k is tax free).  My intention is to continue doing the UFPLSs at roughly the same rate, possibly increasing a little as a result of inflation.  State pension will add another 12k or so to my annual income in 3 years so that will likely reduce the need to increase my SIPP withdrawals for a while.  My SIPP is currently growing faster than my rate of withdrawal. I understand that the maximum tax free cash I can have out of my pension in my lifetime (under current legislation) is £268,275 and obviously at my current withdrawal rate, I'm not getting to that total anytime soon.  However if I've understood the rules correctly (and I may not have), I think my ability to have tax free cash once I reach the age of 75 goes away.  If that's true, presumably I need to crystallise my SIPP pot just before I reach age 75, taking a quarter of it or my remaining LSA (whichever is smaller) as a tax free lump sum, at which point the remainder turns into an entirely taxable (crystallised) draw down pot?  Alternatively, have I completely misunderstood what happens at age 75 and I can continue to do UFPLSs (with 25% tax free) until the cows come home, or I reach the LSA, whichever is sooner? I don't think it's relevant to my question above but just for background, I have a wife who inherits everything if she survives me, or a few nieces and nephews and charities that benefit if she doesn't.  We have no children of our own. Keep up the good work gentlemen. Regards, Robert   31:05  Question 5 Hi Pete My son, who has never been a saver (apart from workplace pension) and never seems to have any spare money (single dad, renter) is in the process of going self employed with a colleague. If all goes well, he has a chance to make a reasonable income, not be hand to mouth and periodically take lump sums as a company director. E. G £5k to £10k starting in a couple of years. My question is not about the viability of the business but this business will open up the prospect of my mid 30's son, David, owning a house while I am alive. As in, building up a deposit as dividends are paid. It may take several years and then, I assume, he would have to go through the pain of a self employed mortgage. An area that I know nothing about. In effect, he is just starting out, but we would be really interested in your thoughts about the longer term aim of buying a house. Many thanks again for your wonderful books and podcasts Helen   37:55  Question 6 Hi Pete & Roger, I continue to recommend your podcast to others.  Please keep up the excellent work.  My question is on the process of using flexible Cash ISAs.  I cannot find any worked examples online and a few IFAs I have approached suggested kicking back the question to the ISA provider but I would appreciate your thoughts. My wife and I have £200k in flexible cash isas.  We plan on using these funds for a house purchase.  Should I reduce the balance to zero, can I top the ISA back up to the full £200k provided the money goes in and out of a 'flexible' cash isa (and is within the same tax year)?  I would be in a position to do this following the sale of some investment property.. And the second part of the question would be can the money move freely between a stocks and shares isa and a flexible cash isa eg £200k in a flexible cash isa moved into a stocks and shares isa > then back to the flexible cash isa. We are both higher-rate tax payers and I won't drop a tax bracket in retirement so I feel the ISAs are the most useful savings bucket we hold. Take care and all the best. Stuart  

Impending Medicaid cuts, the One Big Beautiful Bill Act's defunding of Planned Parenthood, and the freezing of Title X funding have fueled clinic closures across rural areas. Ashley Kurzweil, Senior Policy Analyst for Reproductive Health and Rights at the National Partnership for Women and Families and Sarah Coombs, Director for Health System Transformation at the National Partnership for Women and Families sit down to talk with us about the future of rural hospitals and clinics and the patients they care for.  Many Medicaid cuts will take effect in January of 2027. One of the most immediate impacts of the law is the failure to extend premium tax credits-- which helps those who do not have access to Medicaid or employer-sponsored health coverage-- afford marketplace coverage. Rural residents, who have higher rates of Medicaid coverage and benefits from enhanced ACA premium tax credits, will be disproportionately affected. Increased financial strain will be placed on these rural hospitals, and maternal health programs, labor and delivery units, and reproductive health care clinics will be dire in rural areas. This will disproportionality impact Black communities, indigenous communities, and Latina communities, as well as rural health workers.For more information, check out Amicus with Dhalia Lithwick: https://slate.com/podcasts/amicusSupport the showFollow Us on Social: Twitter: @rePROsFightBack Instagram: @reprosfbFacebook: rePROs Fight Back Bluesky: @reprosfightback.bsky.social Buy rePROs Merch: Bonfire store Email us: jennie@reprosfightback.comRate and Review on Apple PodcastThanks for listening & keep fighting back!

The appearance of drones of unknown origin in Dublin last week around the time of Ukrainian president Volodymyr Zelenskiy's visit again highlighted the security challenges of the present day and Ireland's lack of capability to act in its own defence. Neutrality remains a popular policy, as again demonstrated recently by the election of Catherine Connolly as president. That popularity does not answer the question of how much Ireland should invest in its own defence. Ireland diverges from other neutral European countries in our low defence spending and reliance on others for protection, information and security. But against those calling for bigger defence budgets, others warn of militarisation and point out the money could be better spent elsewhere. So does being a voice for peace preclude greater defence spending, or is defence spending a crucial part of a viable neutrality? On today's podcast Hugh is joined by Naomi O'Leary to pick apart the elements of Ireland's approach to defence and neutrality, how we compare to others and what questions will arise as Ireland comes under increasing pressure in Europe to boost capabilities. Hosted on Acast. See acast.com/privacy for more information.

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Lesley and Brad revisit Lesley's conversation with fat loss and mindset coach Amy Ledin, co-founder of Lean Bodies Consulting. They share how Amy uses identity-based habits, Daily Agreement Cards (DAC's), and simple appearance rituals to help her show up as the person she wants to be while navigating stage four cancer. They also break down her 5 for 50 Habits Framework and how scripting your future self can rewrite negative self-perception.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How appearance rituals can help you reflect the identity you want.How future-self scripting can reshape mental loops on negative self-talk.How Daily Agreement Cards can turn vague intentions into daily commitments.How the 5 for 50 approach can simplify long-term habit building.How identity-led actions can make starting new habits feel more doable.Episode References/Links:OPC Winter Tour - https://opc.me/tourAgency Waitlist - https://prfit.biz/eventsPilates Journal Expo - https://xxll.co/pilatesjournalCambodia Retreat Waitlist - https://crowsnestretreats.comAgency Mini - https://prfit.biz/miniContrology Pilates Conference in Poland - https://xxll.co/polandContrology Pilates Conference in Brussels - https://xxll.co/brusselsCan You Travel Around the World Teaching Pilates? - https://beitpod.com/teachingabroadPlanke App - https://plankeapp.comSubmit your wins or questions - https://beitpod.com/questionsAmy Ledin Website - https://www.leanbodiesconsulting.comLean Bodies Consulting - https://facebook.com/leanbodiesconsultingEpisode 5: Amy Ledin - https://beitpod.com/ep5Episode 85 : Dr. Celeste Holbrook - https://beitpod.com/ep85 If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  There's so many different reasons to have things that help you show up as the identity that you want to be so you can actually do the thing that you want to do. Lesley Logan 0:09  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:48  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the unfaltering convo I had with Amy Ledin in our last episode. Brad Crowell 0:59  The what convo? Lesley Logan 1:00  Unfaltering. Brad Crowell 1:01  Unfaltering. Love that. Lesley Logan 1:03  Yeah. If you haven't yet listened to that interview, you are definitely going in and out of order. But that's fine. It's totally fine. We're actually. Brad Crowell 1:11  We don't do perfection here. Lesley Logan 1:12  We don't and but also, this kicks off our Habits series. Brad Crowell 1:19  This one? Lesley Logan 1:19  Yes. Lesley Logan 1:20  Oh, I didn't know that. Lesley Logan 1:21  We are in the Habits series. You don't even know. Brad Crowell 1:23  I know that's amazing. Well, I was gonna comment that it was coming up because the two of you talked a lot about habits.Lesley Logan 1:28  Yeah, yeah. So she kicked us off in this interview, in case, the way I talk about habits doesn't exactly work for you. Amy is a great person at habits. And then several episodes, they're like 15, 20, minutes of me actually, just like breaking down how habits work. And so you can, you'll have episodes you can actually come back to anytime you need to go back through a habit. Brad Crowell 1:53  Love that. Lesley Logan 1:54  I know.Brad Crowell 1:55  So this is 611 so just remember episode 611 kicks off the Habits series. Brad Crowell 1:59  Well, 610. Oh, the interview with her, 610 so, yeah, the last episode. So you really should go back and listen to it, if you haven't already, it's worth it.Lesley Logan 2:08  You should. So, but before that, you'll listen to us talk about how today is December 4th 2025, and it's World Wildlife Conservation Day day. According to Brad's notes, day day. Brad Crowell 2:19  Day, day. Lesley Logan 2:20  Day day, all right, World Wildlife Conservation Day is on December 4th and we're so excited to spread awareness about preserving Earth's endangered flora and fauna. What do you think the most invasive species on the earth is? Monkeys, catfish, locusts? Well, I'm just gonna pause before I say what I'm about to say the second to the last sentence does make me feel like these people do care about the animals, and I'm gonna get it, bring it back to the animals, but we do have to talk about how it's us humans, and it's not because you're not having enough babies, ladies, that's not it at all. Actually, it's because nature's most magnificent, are we really, nature's most magnificent creatures, world, wildlife, people, I don't think so, are becoming endangers and being pushed the brink of extinction by the greed of some humans. Okay, so really, animals.Brad Crowell 3:06  No, they're saying that animals and plants are being pushed to extinction because of humans. Lesley Logan 3:13  Because of humans. Okay, all right, so, so, oh, I see we're the most invasive species. Brad Crowell 3:19  That's right. We are the most invasive species. Lesley Logan 3:21  We are the most, I read that as endangered. So okay, so I'll take it all the, well, first of all, we don't need to have any more babies because we are the most invasive species. There it is. But it's true. I just get so tired of people thinking like we're gonna run out of people. We're not gonna run out of people, because the Earth is gonna get too hot for people, because we are being assholes, so this is causing irreparable harm to the wildlife ecosystem. So, just so you know, here are the animals that are in danger right now. One of the most rarest cats in the world is the Amur leopard. There's only about 100 of them left. The vaquita is a small porpoise from the Gulf of California with only eight to 13 estimated to be left. And the rhino. Multiple species are actually critically endangered, largely due to poaching for their horns. And it's really sad about the rhino, because have you seen a baby rhino? They're so cute. The orangutan, all species of orangutans are critically endangered because of the habitat loss from deforestation, and they're being hunted or captured as infants. I watch this incredible thing about how they're trying to create habitats for orangutans, but then they have to take the orangutans that are used to being around people and like, teach them to be orangutans again, it's really quite cute. The saola, saola, an elusive forest dwelling animal in the Annamite Mountain, sometimes called the Asian unicorn, saola, an Asian unicorn? Well, we got to see this. Sunda pangolin, over-exploited for their meat and scales with illegal trade and a major threat. And then the bugs we got to be worried about, the salt Creek tiger beetle, the butterflies, the McCarthy's plant-louse and a giant torrent midge. And, I mean, do we need the midges? I don't know if that's the same as a midge in Scotland. Brad Crowell 3:21  What is it? Lesley Logan 3:21  Giant torrent midge.Brad Crowell 3:21  All right, images, oh, I don't actually know what I'm looking at here.Lesley Logan 3:21  It's giving me, AI is giving me 75 different kinds of animals, none of which, I think are the midge.Brad Crowell 3:21  It feels like it's, it's kind of in the antlered world. But a bunch of bugs came up. Lesley Logan 3:21  Yeah, a bunch. But did you find the Asian unicorn?Brad Crowell 3:21  I did. And it actually is like the spindly, horned like. Lesley Logan 3:21  Okay, you know what it looks like, everyone? It looks like, it looks like the Target dog on a deer with horns. It does. Not white, but like the snout.Brad Crowell 4:44  It's got, it's the bull terrier face, but it has antlers that are spinning like spindling. They spin. Lesley Logan 3:55  All these to say, the we are endangering a.Brad Crowell 4:41  Twist, they twist. Lesley Logan 4:41  And, oh, and we're endangering a lot of animals. And when one animal goes it actually affects a whole chain. And as humans, I think that we are really getting into we're too self-absorbed, even when we think we're doing the right thing. So just be mindful of what you're doing. And you know, we're we're making the earth too hot, and it's going to be a problem for everybody. So that's World Wildlife, you know, conservation day, humans are an invasive species, not endangered one. Okay, I read that totally wrong. Sorry about that. Anyways. Also, today is the day we have left for the tour.Brad Crowell 4:41  Yeah, we hit the road, and that's exciting. We are heading to Colorado.Lesley Logan 4:41  Yeah, we're going to Colorado Springs. That event sold out. Both things sold out in like a week, so yeah, and then we'll be in Fayetteville, and then we're gonna keep on going, opc.me/tour, is where you can get your tickets and. Brad Crowell 3:55  There are still a few tickets left, y'all, but I don't know which cities, so just hop over to opc.me/tour, and come join us. Come hang out. It'll be so fun to meet you in person.Lesley Logan 5:49  We really want to. It's one of the best ways for us to hang out, and there's lots of prizes. Balanced Body is our sponsor of this tour, and that means we're bringing our Controlology equipment with us. We're bringing Bayon with us. This is the biggest one. This one has 23 cities, so we've outdone ourselves, truly have and we will see how we are on the other side. So, but also while we're on tour. You know, we talked about this last month, but we did not do a sale for Profitable Pilates this past week. I guess it would have been for the Thanksgiving holiday, because we're doing something really special December 26th to the 31st and so you're gonna want, if you've ever wanted to try out Agency, if you've ever wanted to experience what's like, to be coached with us, and you want to get it on a discount, you are going to want to make sure that you are paying attention to our emails. And so the best thing you can do is go to prfit.biz/events, because that'll get you on the waitlist. Actually, just wrote a waitlist email for those people, yes, and that way you will not miss out on this amazing opportunity, and it will in the come back around, okay. And then after the new year, we come home, we literally unpack the van. I'm getting my roots and my nails done. I literally told the team, there's zero things that can happen on that day. There's only two things that can happen on that day, because my roots will be five weeks out, and so will my nails. And we have never tested that before in life. Brad Crowell 6:56  So I'm gonna basically unpack the van and repack the van while she's getting her nails done.Lesley Logan 6:10  I know I and we haven't even decided for taking I guess we're taking the van. So we're I'm gonna be teaching at the Pilates Journal Expo in Huntington Beach. Brad's gonna be at the booth. We've got some fun fireside chats. It depends on if those rugs that we are picking up fit in the other car. So you guys, oh my God, do you want to know this? We have six rugs that are waiting for us to pick them up, six and they're huge, and the last thing I needed in this house was a rug. But I couldn't say no to six rugs. So I have to now maybe get rid of some rugs, or we're gonna layer some rugs, unclear, but this is, this is the things that Brad and I on our ADHD have to figure out. However, we are going to somehow, some car is going to take us to L.A. and that car will pick up some rugs before we're at the Expo. And then Brad will be at the booth. I'll be running around. I'm doing a fun chat with Ken Edelman. I'm doing a fireside chat that I think Erika Quest is hosting. I got a couple workshops in a class so go to xxll.co/pilatesjournal. And then, also, in January, besides being at my birthday, we are going to let the wait list people in on an amazing deal on the retreat to Cambodia next October. So it happens in January. Why? Because we want to kick off the new year. Help you plan your massive travel for the end of the year and have some fun with us. You can plan the, you get to think about it all year long how cool is that, You'll want to go to crowsnestretreats.com to get on that waitlist, because, again, only the waitlist people get the discount. Brad Crowell 9:52  Yeah, and we're gonna have a call in January, middle of January, basically, to we're just gonna hang out and talk about it all. And answer questions for you. So if you were like, you know, it's interesting, but I'm unsure. Come join us for the call. We're going to email the wait list about the call. So go on the waitlist. Go to crowsnestretreats.com, you'll just see it on the homepage. Scroll down a little bit towards the bottom, and you'll see, you know, find out about the upcoming events and whatever. So we'll be able to email you the Zoom link. And yeah, we're just going to hang out and talk about it, and we'll probably invite a couple of our past retreaters to join us, so you can ask them questions and all the things. But I next year is going to be it's gonna be a big, a big trip. I'm excited. It's gonna be awesome. And we have, we've already had, we've literally already had people start getting tickets. Okay, I know they got a secret sale, and a bunch of people were like, yes, please. So just saying.Lesley Logan 10:44  They're like, people like, how do I get the secret sale? Apparently they just asked you guys. I'm pretty sure that's how it went. Then in February, we will have our Agency Mini, but it's happening in February. I don't have the dates in front of us, so pfit.biz/mini will make sure that you do not miss out on when that is happening but.Brad Crowell 11:01  Profit without the O slash mini. Lesley Logan 11:03  If you paid attention to what's happening on December 26th to the 31st you will not miss out on that Mini. So I'm just hinting, hinting.Brad Crowell 11:12  Hinting. Lesley Logan 11:12  I think I'm hinting on the right thing. The team will let me know. In March, I will be in Poland, and we will also be in Brussels. So if you and with Karen Frischmann, so if you want to learn in an intimate setting and for like, long days of amazingness with Karen and I, then you're gonna want to go to xxll.co/poland or xxll.co/brussels to snag your spot. And then at the time we're recording this, we have, they have not announced POT London, but we will be there. And so if you go to xxl.co/pot, you'll see all the POTs that are happening next year. Brad Crowell 11:47  That's right. Lesley Logan 11:48  So when London is there, you will see it there. And if it's not there, you can see all the other things. And just because we're sitting in there doesn't mean we're going to be at all those things. Brad Crowell 12:00  No, that's true. Lesley Logan 12:00  So don't get mad. Brad Crowell 11:57  We'll be at the London one. Lesley Logan 11:58  We'll be at the London one for sure. Well, I'll be teaching at the London one for sure. Brad Crowell 12:01  Oh yeah. Lesley Logan 12:02  Okay, now we have to answer an audience question, and then we can get into the amazingness of Ame Ledin. Brad Crowell 12:08  Yes. So okay, we had a great question. This is from SamCrecco. Samantha asks from IG, hi, I came across your page, and it has really motivated me to make a change. I am an elementary school teacher, and I've been teaching Pilates on the side for about two years now. As a former dancer, I've always had a passion for health and wellness. I'm looking to teach Pilates abroad for a short amount of time, maybe three months, but I'm open to longer. I was wondering if you have any suggestions on how to get started. Any advice is greatly appreciated. Thank you, Sam.Lesley Logan 12:40  Yeah, so, Sam, you it's so here's what is amazing about being a Pilates instructor. You can kind of go anywhere and get a job, like most studios need people. But on profitablepilates.com we actually had a great blog written by Roxy Menzies about being a traveling Pilates instructor, and it's like, I think that we published it like eight years ago and or maybe seven years ago, and it is still the top red blog, one of the top red blogs on the website, because it's such a hot topic. And so I absolutely recommend reading that book, reading that book, reading that blog, because she did that for years. She was a traveling Pilates instructor. She did it for years, until she settled down and had a family. So I would check out that blog post. There's also, and I think it's linked in that blog post, there's also, there, at least was a Facebook group for traveling Pilates instructors. Like, I'm not a I'm not hugely active on Facebook, so I understand, like, I don't know how that will work, but you can go in there and see what that is. And then there's a couple other apps where, like, studios will put job postings. I think, Planke does it P-L-A-N-K-E, the PMA has a job board. Essentially, though, like you would just be surprised what like, because here's the thing you're gonna need to know what your kind of style of teaching is called, because obviously that's for some students that's going to matter, or for you to enjoy yourself that might matter. And then sometimes they just post things in in groups, or they tell a friend, or you can, you can let people know. One of the girls who did eLevate, she actually ran someone's studio for six weeks in Hawaii. So she got to live in the woman's house and live in Hawaii on an island by the beach, and run her studio. So the woman could take six weeks off like, what a dream. I think it's amazing. Brad Crowell 14:20  I'm all about that. I mean, maybe not at this point in my life, because I do have a family and a house. But you know, if I was 20 years younger and in this position, it sounds so fun. Lesley Logan 14:32  Oh, if we still had the apartment in L.A. when we when we didn't have the studio, this would have been like, like, upper alley, but now I'm, like, just not gonna pay me enough. But, well, you're, you have to, but, but Sam is in the perfect place. Like, she's like that, and she should take advantage of it. I think, like so many people, like, oh, this is what I should do. No, if you are not like, like you, if you don't have like, a lease that you're like, dedicated to, like, if it's easy for you to be mobile., well, you should do that while you can, because you haven't you will meet and learn. Meet so many people, learn so many things. You'll learn about yourself. It's like, the same reason why you should come to Cambodia, like, there's just things you have to do in your life so that you can truly level up and figure out what you really want to do. Like, that's the cool thing about being a Pilates instructor. Maybe some people will do this for their whole lifetime, and some people will do it seasonally as a as like a thing that they do until they figure out what they want to do. I love that. So anyways.Brad Crowell 15:27  I'm in. Well, thanks for asking that question. If you have a question, you can ask us, go to beitpod.com/questions where you can leave a win or a question, beitpod.com/questions and last week, we got to read out one, and we'd love to hear one from you. So stick around. We'll be right back. We're going to dig into this great conversation that Lesley had with Amy Ledin, and we'll be right back. Brad Crowell 15:50  All right. Now, let's talk about Amy Ledin. Amy Ledin is a fat loss and mindset coach. She's the cofounder of Lean Bodies Consulting and the host of the F* It Podcast. She helps women in midlife create lasting transformation through training, nutrition and identity-based habit change. Great. Lesley Logan 16:09  What? Great. Brad Crowell 16:13  Great. Yeah, it's so great. Actually, you know what I really appreciated was I've been around you for so long now with your habits training with BJ Fogg, and just listening to you talk about the process and how it all works. And it was, it was really fun to listen to somebody else talk about habits and habit forming and building with her clients. But it's, I thought it was cool because it was identity-based habit change and not just like habit change. So that's pretty awesome. She uses tools like the DAC, which are her daily agreement cards, which we talked about all the way back in episode two, I think, or three. Lesley Logan 16:13  She was episode five. Brad Crowell 16:13  Just kidding, way back in the beginning, five, her DACs. She still uses those. She helps clients reprogram the mental loops that keep them stuck and build a body that reflects their discipline, a stage four nonsmall cell lung cancer fighter, Amy continues to lead and inspire through resilience, integrity and action. And yeah, I know. Lesley Logan 16:13  This was a big episode. Brad Crowell 16:13  This is a pretty big episode. It was also like.Lesley Logan 16:21  We're gonna spoil some things as we talk about it, so if you didn't listen, it won't be a surprise when you're listening. But like it was, she has cancer right now.Brad Crowell 17:06  Recurring, for the fourth time recurring, and this time it's, it's attacked her brain. Lesley Logan 17:10  I know I'm really upset. I'm like, I'm I'm frustrated for her. And we have another friend who's going through something similar. It's like, the second time, and you're just like, you know, like, it's just so frustrating because, like, of course, they're also the people, like, doing the work and caring for other people, and they're so generous and all that they do, and you're just like, like, why can't it be the fucking asshole over there? You know? Why? You know, but that doesn't get to be that person. So we can, we can get into that in a little bit. But I actually want to talk some other things. I did love that she said.Brad Crowell 17:58  Yeah, before that, I just wanted to say, you know, thanks for the update, Amy. And I just wanted to say that I appreciated her honesty. You know, I'm glad you asked the question the way you asked, which was like, how's it going with cancer? Do you still have cancer? What's what's going on? And she said, yes. And instead of being like, Oh, I'm so sorry. You said I'm sorry, but you know, like, how does that make you feel? Like, do you feel like? I can't remember exactly what you asked, but it was something about like, do you, are you sad, are you tired of being sorry? Are you tired of people saying that? And she said, I'm actually tired of it, and I'm tired of also being the strong one, because people always tell her wow, you might, you're so strong, you know. And she's like, I don't want to be that anymore. I've been doing that for a long time, fighting this, and it's, you know, she doesn't want to do that. So I just thought it was a really candid conversation about somebody who's going through something that, you know, the first times were probably like, debilitating and crushing, and this time it's almost, it's got to be, like, some kind of a routine at this point.Lesley Logan 19:08  I mean, I think we just talked about, like, how she didn't even tell them right away, because it's like, you just don't like, you just don't even want to, like, go through the things that people are going to say.Brad Crowell 19:17  We all know what they're going to say. I mean, we've, we've done it with our pets, you know and, you know. And I'm not, I'm not carrying them in that way. But the the recurring trauma of something that's tragic happening a second time, you know, I can only imagine what, yeah, you know, a fourth time, you know, so I just wanted to say thank you for asking it the way you did. And Amy, thanks for being candid and being willing to share. And you know.Lesley Logan 19:45  Also, like, I don't we were like, we would talk before the episode started and it didn't come up. No. And so I was like, oh, Jesus fuck. Like, you know shouldn't tell. And also, and here's the other thing, that it's really important for us to hear, at no point did I go. She never told me, like, as, if you know what I mean, like, like, it's an affront. You should have told me, how come you didn't tell me. It's like, I think it's, you know.Brad Crowell 20:08  That's like, narcissism. Lesley Logan 20:09  I, I don't even, it's, it might not mean you might not be a narcissist who does, who says that, and you still say, but like, it's, well, it's never, by the way, it's never about you. In fact, if, like, just okay, if you're someone in my life who I'm not calling it's probably not about you. It's probably me, most likely, 99.9% of the time, it's me. So you know, and so I if any of your friends are like me at all, it's also them, it's not you. So if it is you, you can just say, Hey, I'm actually a little surprised. And if it is me, I just want to know if it's not me. No, no need to say anything, but, like, it's probably not you, but so at no point did I think that, but I was just like, geez, this fucking sucks. She because she is so strong, but she's gonna be so tired, because people will always say to me, they're like, you're so resilient. It's like, I'm fucking tired of being resilient. So anyways, she's a badass. Let's get into some of the reasons why she is she said on body and identity, and this is another reason why I like the way that she talks about habits, because, like, she talks about it as embodying it. And I think I should have spot one of my clients the other day or the other another episode where she's like, I'm a healthy person, like, it's an identity that she wants to be, and a healthy person won't, like, cancel their Pilates session so I'm here even though I would prefer to be laying in bed, right? Like, so I was so proud of her. I was like, I'm so proud of you. Because, like, that's how you can that's how you can make changes in your life. It doesn't have to be habits. I make changes. And so she said on embodied identity, you have got to show up as the person you want to be. And so for Amy, she talked about how she puts on her makeup and she does her hair, and she consciously avoids verbalizing her pain or fatigue with what she's going through, managing her stage four cancer, because she's really focusing on your body goes in the direction you speak to it. Your body goes in the direction you speak to it. We've all heard like, where your energy goes. That's where it flows, right like, so you can focus on all the negative things that are happening in your life. And guess what you're gonna see all the negative things. And guess what you're watering all the you're literally watering the negative things. But if you're focusing on, and it's not a toxic positivity type of focus, but if you're focusing on showing up as the person you want to be, and putting your focus in that direction, it is going to get you there. And she said, she said she emphasized the power of maintaining her appearance as a tool to influence her self-perception. So I love this. I do this too, because whenever I feel a little tired, we'll run down if I look in the room like, oh, I didn't get dressed today, of course, like, but maybe it's I also I didn't sleep. But, like.Brad Crowell 22:49  I know what you mean, you just kind of, you know, roll out of bed and keep going and (inaudible).Lesley Logan 22:53  Some days it happens and you're like, oh, no wonder I'm feeling like, not myself. You put everything on. And even if that doesn't solve the world's problems, it kind of you look at yourself in the mirror, you go, I look good, right? Like, I look great. So she said, not many people realize that it's a big superpower. You want to see reflection of who you're wanting to be feeling like, like in the mirror, you know? So I think some people can get a little weird about, like, oh, putting on makeup and doing my hair. Like, that's so superficial. It's not, guys. Yes, there are people that are superficial who do that, but like, for most of us, it is kind of the thing that helps us show up more as the person we want to be because we're fighting on the outside.Brad Crowell 23:33  You know, it's like, I think corporate usually it's weird about it, because every you know, it can become like, a competition and stuff. But like, you know, there is a reason that people wear a suit and tie in a corporate environment, right. It changes the way you you it's supposed to change the way you act. Lesley Logan 23:53  Yeah, yeah. There's a reason why there's uniforms at schools. It's like, kind of so that everyone is, like, not in pajamas at school. But also, like, you know, supposedly supposed to help people, like, not be wanting to be each other. But like, kind of also like this, if it's your job to go to school, like, then you have to wear uniform, you know. So I get it. Brad Crowell 24:10  I definitely have found myself changing my shirt before I get on Zoom calls now where I'm like, you know, like, my old T shirts aren't really my vibe anymore, and as much as I enjoy them for, you know, running around or, you know, weekend, yard work, they're, they're the wrong vibe for when I'm coaching or I'm on a call or whatever. And, yeah, it definitely gives you a different perception of yourself.Lesley Logan 24:35  Yeah. And I think, like, I just think that, you know, a lot of a lot of us are taking notes from people who maybe what they're saying means well. Like, especially if you're like, oh my God, I have to spend so much time getting ready every day. Yeah, you don't need that stuff. But like, if you are trying to feel like a more positive person who feels strong and as a leader, like these things can help. You know, Dr Celeste Holbrook calls that she calls them harm reduction acts, like she would love to not wear makeup, and she would love to not have to put on a clothes that match, but for her to get her message out, she understands that there is a way that she needs to show up, and if she shows up that way, she reduces the harm she could get in the comments. And so she also, like, does this thing in the morning, so that she can put these things on, so can show up in the way that she wants to be received, so that she can give her message out there. So there's so many different reasons to have things that help you show up as the identity that you want to be. So you can actually do the thing that you want to do. Brad Crowell 25:41  Yeah, well, that, that leads pretty straight into what I enjoyed, what she was talking about. She was talking about, how we, how do we create change in ourselves, and how do we, you know, habit forming, and all that kind of stuff, the self-talk, the way that we we what we're thinking. It's really interesting, because I'm like, super analytical and a little bit sarcastic is the wrong word, but cynical is the right word, right? So I'm a little bit cynical. So, you know, I feel like there can be this dissidence of like, oh, when I say these happy things, I'm still lying to myself, because it's not reality. But what, what she's talking about were, was basically the way that you say the things to your brain really matters, and it really needs to be identity shifting, the things that you say to yourself. So like, for example, what I've noticed this is just very basic, but if I wake up and I go, I feel tired. I probably feel tired all day. But if I wake up and I and I say, I'm ready to go, then I'm going to be ready to go all day. You know, especially if you're like, I feel good, I feel good. I'm ready. Let's do this right? And so in that same vein, she advocates for scripting or writing out your day as if you were already your future self. So this is like future casting, right? And this is also like, you know, you call it manifesting, or whatever, but the idea is that you're who is it that you want it to be? Who do you want to be? Who do you how do you want to operate? You know, how do you want to think if you create a script for that, you know? And she talks about, you know, I am someone who is good at making decisions, and I make decisions that benefit my myself, my future, my family, and, you know, every decision that I make is helps lead us towards the path that we're going down. This kind of a thing where it doesn't, it's, you know, it certainly can be right? And she said, script this, because what happens is you're rewiring your brain, right? She said, your brain doesn't actually see the difference between your future self being a scripted version of yourself and the current self, right? And what you're doing. She said, since 91% of your thoughts are repetitive, which is crazy, because I thought it was only 80s, she said, 91. Lesley Logan 25:42  I think it's probably 91. Brad Crowell 25:42  She said, consciously scripting is a new you know, your new reality is essential for breaking away from old patterns. And you're trying to show that you can change. You know you're you're changing who you are and when you as you're scripting this, whatever it is going to be for the future, this mantra that you're going to create for yourself, there will come a point that you're you start to adopt it in the way that you think. So it might sound cheesy and weird, but give it a try. You know, I think this is actually really interesting.Lesley Logan 26:51  Yeah. I actually really like this. And I think, like, for the people who are like, I'm so busy, you can do this on a commute, because you can just talk to text. You can just talk to text.Brad Crowell 27:54  Yeah, well, I but I think the idea is that if you're scripting it, you want to read it. Lesley Logan 28:02  Well, you know, but talk to text, then you can read it. Like, if you don't have if you're like, my morning is so busy, It's so chaotic, I got to get everybody out of the door, you could then, on your way to work, talk to text and a note on your phone. Here's how my days here's how my day went to it's the end of the day. Here's how my day went. Like you're scripting the day, right? And then when you get to your desk, you can just read it. You already wrote it. Brad Crowell 26:04  I don't quite think that's what she means. I think she's saying. Lesley Logan 26:51  You have to handwrite it. Brad Crowell 26:51  No, she's saying, map it out. It's your thing that you do as your it's the same thing. You repeat it every day. It's the same one. Lesley Logan 26:51  Oh, you're doing the same one every single day.Brad Crowell 26:51  You're creating a script, and you're retraining your brain and the way that you think. So, how is it that you want to think, let's write these things down? Lesley Logan 27:03  If you're already your future self.Brad Crowell 29:23  Right. As if you were already your future self? Oh, okay, I like what you're talking about. Because what you're talking about is, is more like the brain dump kind of a thing of like, almost like the morning, morning pages slash notes.Lesley Logan 29:49  How this amazing day is going to be, well, you could still do this part. You could still do it voice to text. You just have to the same one every time. Brad Crowell 29:49  Right. But then you have to remember it. So. Lesley Logan 29:49  I think you will, I think you'll even get more (inaudible) you probably can get better at it. I think you probably even get more details and more nuances, and the smells and the sounds will be there. Yeah, I'm just trying to help the people out who are like, look, I know what they're gonna say, Brad, they're gonna say, I don't have time to do this every morning. No time. So I'm trying to give them the permission to find a way. Brad Crowell 30:20  Let's change that. The I don't have time thing, I don't, I don't. I think that we're making it lot bigger than it needs to be. Like, okay, maybe the first time you have to spend some time thinking about who you want to be yourself. But you need to do that anyway. Yeah, right. So one, you know, but I think your mantra could literally be two sentences or five sentence. It doesn't have to be paragraphs. We're talking about, you know, something that you can build into your morning routine as a habit, and it becomes a habit, you know. And maybe it's when you're brushing your teeth you see, you know, the note on the mirror that says daily mantra, or daily you know, you know, identity shifting, or whatever it is that you, you know.Lesley Logan 31:02  Yeah, you could put it somewhere where you could read it every morning and every night. I like that.Brad Crowell 31:05  Yeah. I mean, I don't even think you need to write it out and stick it on the mirror. You could, but even on your phone. You just need something like, You need to like Lesley says, tie it to something that you do daily so that you're gonna see it like, for example, the making coffee and doing push ups while I'm waiting for the coffee to brew.Lesley Logan 31:23  I like it while you're brushing your teeth, because you do probably do that twice a day. I like it being on the mirror and not on your phone so you don't get distracted. My ADHD, as soon as they open their phone, they're getting fucking lost and they're somewhere else. Brad Crowell 31:35  I think that's wise. Lesley Logan 31:36  And if they don't update that note every day, then the note gets buried. So like, let's just put it on paper on your mirror, and you can read it twice a day while you're brushing your teeth, because while you're brushing your teeth, you're like, man, two minutes is a long time. It's a long time. So what if you read it for the whole two minutes?Brad Crowell 31:51  What if, I mean again, it doesn't have to be two minutes long. It could just be a few sentences. Lesley Logan 31:51  No, it could be a few sentences that you read over and over again for two minutes. Brad Crowell 31:58  Yeah, that's cool. Stick around. We'll be right back. We're gonna dig into some really great Be It Action Items that Amy shared with us like she's a powerhouse, y'all, I'm very continuously impressed by her. Lesley Logan 32:10  I know. Brad Crowell 32:10  Yeah, well, we'll be right back. All right. So finally, let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your convo with Amy Ledin? So funny enough, I'm going to let you say what she got excited about. But she she also said she's got this interesting framework that she created about habit building, and she calls it five for 50, okay? And, yeah, I thought this was clever. I know there, you know there's you talk a little bit differently about the length of time it takes to build a habit. Lesley Logan 32:45  Yeah. I actually this idea. Cares thing (inaduible) Brad Crowell 32:49  Wait, wait, let me tell the idea. Okay, so 5 for 50, what is it? 5 for 50, you're picking five specific things that you want to turn into habits, and you're going to perform these habits for 50 consecutive days in a row, right? So little redundant there consecutive means in a row. So 50 consecutive days you're going to perform these five specific habits that you want to change. And there's one caveat, four out of five of those must be things you genuinely intend to continue to do long term. So you're not picking five things that you might want to try out. That's not what we're talking about. We're talking about four of the things you definitely want to build into your life. And the fifth thing, maybe that's the thing you want to try out, right? And the examples that she gave were, she has a 26 year old son who was like, I really want to learn to draw. And he he said, I'm going to do it for 30 minutes every day. And and after a few days, he was like, whoa, this is overkill. I I'm not an amazing (inaudible) I reduced it to 10 minutes a day, but he still did it 10 minutes a day for 50 days.Lesley Logan 33:52  Yeah, and that. And so she does give there's a you have the first week to adjust the habit so I. Brad Crowell 33:59  Increased his time because he got really into drawing. And by the end of 50 days, she said he was like, Michael Jordan of drawing, yeah, yeah, yeah. She said it's amazing what you can do. You know, you know how you know whether it's playing the guitar or whatever it is, you know, the but the so the fifth habit is reserved for personal growth area that the person wants to explore. This will allow you to dabble in it, to see if it's something you'd like to continue to, you know, without the pressure of a forever commitment. So for her, it was getting back into journaling. She's like, you know, I used to do it. I was really intentional about it before I got out of the habit of it. And like, I kind of want to do it, but I'm not really sure if I want to do it again. So she was like, I'm going to add that in as my fifth thing. So, you know, and, yeah, that seven day window gives you time to redefine, redefine those agreements. There's 50 those five things over the 50 days, you know, if the initial commitment proves too much. And I thought, I thought this was kind of clever and and so that said, I wanted to check in with you, Lesley, because you said, oh, I started learning Tarot. Lesley Logan 34:47  Yeah, tarot. Brad Crowell 34:49  Tarot, I said, tarot. Lesley Logan 35:00  I know, like I'm rowing a boat, like I'm learning to row, yeah, tarot, yeah. I'm still learning it. I'm still learning it. I have missed a few days on the return of our, of our coming here, but I actually, except for, according to the app, I missed a couple times. I think that's because of the plane. Like, I, you know, I actually do believe I did it on the days that I did it, but, like, it was like, you missed it, but I actually did almost 50 days in a row on that and I am not a little hiatus, because we have to get back to life. And it just was like, Okay, this is actually filling a job and not like a hobby and so, but I love it. I'm really into it. And I just, I'm really excited, because I just got a notification that this 2026 journal is coming, and it's like a daily Tarot journal, so it will help me with my because with Tarot, you have to, like, immerse yourself in it, to learn it. You know, like, you got to learn the cards, but then you got to draw the cards. And so I'm trying to find these different ways to make sure it's around me. So it's easy to do sure, but I am loving this. This is really fun for me, and it's also really interesting when I tell people I'm learning it, because they're like, oh, are you new readings? And it's like, no, no, no, not everything that I do is going to become something I get paid to do. This is for me, doing it for myself, but I but I actually like, I really like, here's the thing. We can all talk about the same thing in different ways, and some people are going to love it, and some really love other things. I actually really like the way that B.J. does habits, which is what I'm going to go into the rest of the of the month. That being said, this might be exactly what you want to do. Or you can actually go, Hmm, I wonder what my five habits would be. You can actually use what I am doing the next the for the next month to come up with your 5 for 50. And then starting on day one of the year, you could go through the first 50 days of the year using Amy's, so you can actually do both.Brad Crowell 37:05  Sure, I dig it. Well. Anyway, I thought that. I thought it was a good like, I love it. It's a good challenge. You know, it's a challenge, but it's a good one. Lesley Logan 37:12  And I think it, I think it is a challenge, and you're not. It's not like, they do this every 50 days where they start new things, like they, they do this and then like they, I think if she said it was a couple times a year, it's like, not like, every 50 days, like, Okay, it's time for our new 5 for 50. Like, you've run out of things to do. So my Be It Action Items, she is so clever, she actually used her DACs and the Be It acronym. So.Brad Crowell 37:36  DACs are the daily action commitments, which for her were cards that she was writing on. Lesley Logan 37:41  Yeah, like, those cute little like, recipe cards, yeah. So B is bold, pick one agreement that matters. So your bold action, and that she is saying is, pick an agreement that matters, and then you're gonna do E, which is executable, write it in real words, not vague words, be specific on what you're shooting for. And then I the intrinsic is link it to how you want it to feel, not how much you want to weigh or how much you want to make. So like, not anything like external, but how you want, how that one thing is going to make you feel on the inside. And then T targeted, start today, not someday, be very specific of when you're going to start doing the thing. So I thought that was, like, a really fun way for her to use her DACs with the Be It. I was like, oh, look at that, be it till you see it right there.Brad Crowell 38:29  Yeah, it's I thought it was quite clever.Lesley Logan 38:32  Yeah, I know. I love when people give me my acronym back. I don't want to make it a rule, but, like, it does make me smile. I'm not saying anything guests who are listening to this that maybe you should do it, but, but it's really good. I can't believe it's been 555 episodes. Brad Crowell 38:52  Wait. Lesley Logan 38:53  She was on Episode five.Brad Crowell 38:54  Yeah, this is episode 611.Lesley Logan 38:56  I know, but she was on episode she was on episode 610 so she, it's been 555 from her. Brad Crowell 39:02  605 baby. Lesley Logan 39:06  Oh, nailing it. Nailing it on these episodes (inaudible) wow. I, like, don't even have my brain doubled down on that, like, I doubled down on that, and I really was like, oh, that's 555, that equals 610, five, five plus five. That's 10. Really, this is why I actually write down math when I do it and not do it in my head. Anyways.Brad Crowell 39:37  We listen to a pod where he says, I don't do live math so but yeah, maybe we should adopt that.Lesley Logan 39:43  Clearly I don't do live math. All right, I am Lesley Logan, and I, I am imperfect. Clearly from this episode,Brad Crowell 39:51  I'm Brad Crowell. Thanks for being here.Lesley Logan 39:51  Yeah, make sure you share this with a friend who needs to hear it. It's really, really great. And also we want to hear, Amy's gonna want to hear, especially like, did you do 5 and 50? Did you pick an agreement? Did you do anything like share it with her. I know she'll love to hear it, and it will inspire her and empower you. And until next time, Be It Till You See It. Brad Crowell 40:11  Bye for now. Lesley Logan 40:12  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 40:55  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 41:00  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 41:05  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 41:12  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 41:15  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

What if cutting your staff dramatically could increase your profit margins by up to 30% with capture rates being at 78%?  This week on Power Hour, Eugene sits down with Dr. Lauretta Justin, Founder of Optometry Divas and creator of The CEO of You, to unpack a transformation that starts with burnout and ends with clarity, profit, and purpose.  After running a full-scope practice with a team of ten, Lauretta hit a point many ODs know too well: she was successful on paper… and exhausted in reality. So, she decided what most people would never consider: she simplified everything.  Fewer staff. Cleaner pricing. Tighter systems. More intentional leadership.  The result?  A 30% increase in net profit, a 20% jump in net cash flow, and a practice that finally supports the life she wants, not the other way around. 

The latest bushfire outlook forecasts an increased fire risk across parts of Australia this summer. Despite recent rainfall in the country's southeast, authorities say it won't take long for a blaze to take hold. - オーストラリアに今年も夏がやってきました。夏は山火事のリスクが高くなりますが、政府は今年は例年よりリスクが高くなると予測していて、人々に安全対策を後回しにしないように呼びかけています。

On Wednesday's Morning Focus, Alan Morrissey spoke with Tommy Corbett from Carey Corbett Financial Solutions. This week, Tommy spoke to us about how a person can make the most of increased earnings and avoiding so-called 'Lifestyle Creeps'.

The pace of new AI developments could now be making OpenAI feel nervous, with CEO Sam Altman reportedly issuing a ‘code red' in a memo to employees, asking them to refocus efforts on its core ChatGPT product. The memo could be proof that the once-AI leader's moat is breached.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's now well established that chronic stress leads to an out-pouring of cortisol and with that, a gradual depletion of DHEA. DHEA is a prohormone – a natural building block for hormones our bodies make.Over time, this hormonal imbalance can lead to brain fog, thinning bones, weight gain, low sex drive and poor Immune function.Maintaining proper DHEA levels in the body is important to your overall health and may lead to Increased energy, enhanced mood and focus, sound sleep, and better looking skin.Guest: Joining us today is Hugh Woodward, He is the President of Health2Go, Inc the makers of Twist 25 DHEA cream. Hugh is a subject matter expert on DHEA dedicating nearly 2 decades of his life studying the medical research about it, and starting a company to research, develop the safest most effective DHEA supplement that can be made and distributing it.In 2007 Mr. Woodward started Health2Go, Inc. to research and develop leading edge anti-aging and wellness products and bring them to people conveniently and cost effectively.Quality matters when supplementing with DHEATwist 25 DHEA Cream puts exactly what the body makes naturally – bioidentical DHEA -in the skin, where the body processes DHEA.  As a base building block for hormones, DHEA gives the body a key foundation it uses to make hormones, (especially the androgens our feel-good hormones.)Cortisol / DHEA imbalance can seriously affect your health and well-being, resulting in:-Increased fatigue and exhaustion-Difficulty sleeping and insomnia-Feeling bloated, weight gain, especially in the abdomen-Mood swings and irritability-Weakened immune function-Increased inflammation-Accelerated agingUnderstanding the interplay between cortisol and DHEA is key to taking proactive steps for restoring balance to safeguard your health and feel alive and sharp.Today Health2GO and Forever Young have partnered up to offer you a discount for our listeners to get Twist 25 DHEA cream.Order online or by phone today at www.Twist25.com or call 1-888-489-4782. At checkout, enter (or mention) “forever” as the “coupon code” field and for a limited time you'll get 10% Off Twist 25 DHEA Cream right away in addition to quantity discounts already offered on the website. Visit Twist25.com to learn more and order online. Or call 888-489-4782 that's 888-489-4782. Look your best, feel your best with Twist 25 DHEA cream.

Bankrate financial analyst, Stephen Kates, tells Megan Lynch that buy-now, play later plans, 'can be a good deal, if you use it responsibly.' He does warn that they, 'can lead to overspending, that's the danger zone.'

The latest bushfire outlook forecasts an increased fire risk across parts of Australia this summer. Despite recent rainfall in the country's southeast, authorities say it won't take long for a blaze to take hold. - آسٹریلیا کے مختلف حصوں میں اس موسم گرما میں آگ کے زیادہ خطرے کی پیش گوئی کی گئی ہے۔ ملک کے جنوب مشرق میں حالیہ بارش کے باوجود، حکام کا کہنا ہے کہ آگ کے پھیلنے میں زیادہ وقت نہیں لگے گا۔

The IRS has announced increased gift and estate tax exemption amounts for 2026. 

Episode DescriptionIn this episode of the Lead Ministry Podcast, Josh Denhart and Bill Van Kirk unpack why every church can and should run a ministry internship—without drowning in complexity. They explore a define–develop–do framework and practical ways to reduce friction so you can prepare now and multiply impact this summer. If you've ever wished for more leaders or felt stuck doing it all yourself, this episode will equip and inspire you with a clear path to launch an intern who grows spiritually and moves real ministry forward. Key Topics CoveredBenefits to interns – Spiritual growth, hands-on experience, discernment of calling, mentoring, and networking. Benefits to churches – Increased productivity, fresh perspectives, pipeline of future leaders, and community impact. Friction reducers – A simple framework and ready-made resources to make internships “print and implement.” Key Quote“Serving in ministry is a spiritual life hack to help you go deeper and mature in your faith.” Scripture ReferencesEphesians 4:12 – “to equip the saints for the work of ministry, for building up the body of Christ.”2 Timothy 2:2 – “what you have heard from me… entrust to faithful men, who will be able to teach others also.”TakeawayInternships aren't about cheap labor. They're about intentional discipleship, meaningful responsibility, and multiplying leaders. Start now—clarify the win, assign one significant project, and pair your intern with consistent mentoring. The impact will outlast the summer.Call to ActionWe hope this episode encourages and equips you. Share it with a friend and stay tuned for more resources each week.Stay Connected for More ResourcesVisit our website: http://leadministry.comFollow us on Facebook: https://www.facebook.com/LeadVolunteersFind us on Instagram: https://www.instagram.com/leadvolunteers

Get the stories from today's show in THE STACK: https://justinbarclay.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comProTech Heating and Cooling - http://ProTechGR.com New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.com

Many people recognize that something about our reality is not right, and that things are accelerating toward very grim ends. Increased surveillance, financial collapse, false flags, deception, even supernatural phenomenon -- these are all things the bible warned of long ago, but having clarity on how to interpret them is the key. In this interview I sit down with Daniel Shumway to discuss the fundamentals of eschatology from a historicist perspective.You can contact Daniel on his Substack: https://substack.com/@dwshumway This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.danceoflife.com/subscribe

Indiana lawmakers return to the Statehouse Monday to discuss redrawing congressional maps. A Republican state senator says he'll be voting “no” on mid-decade redistricting – citing President Trump's choice of words as a reason. Indiana families are grappling with increased costs for child care after cuts to state vouchers. The trial of former FOX sports analyst Mark Sanchez has been delayed until next year. In recognition of World AIDS Day, the Damien Center will commemorate people who died of AIDS and celebrate survivors at events this week in Indianapolis. The Athenaeum Christkindlmarkt is back in Indianapolis with food, drinks and festive activities for families. Now that it's completed the first perfect season in school history, the Indiana football team can't afford to look back. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Zach Bundy, with support from News Director Sarah Neal-Estes.

Analysts Don Kellogg and Roger Entner examine the FCC's forthcoming C-band spectrum auction and its broader implications for both the wireless and satellite sectors.00:00 Episode intro 00:30 Spectrum auction news and analysis 02:18 Who will be the likely bidders? 03:09 Uses for unlicensed spectrum 04:54 Increased competition in broadband 07:08 How much is the spectrum worth? 08:52 Christmas episode update and episode wrap-upTags: telecom, telecommunications, wireless, prepaid, postpaid, cellular phone, Don Kellogg, Roger Entner, spectrum, C-band, FCC, auction, Dish, Elon Musk, unlicensed, FWA, Wi-Fi, BEAD, satellite, rural, Amazon, Leo, Starlink, fiber, Verizon

Fobi AI CEO Rob Anson outlines how the company maintained operational progress during the past year, streamlining its structure, modernizing internal systems with AI, reducing costs, and preparing for a more commercially focused relaunch. Instead of losing momentum, the company concentrated on building a stronger, more scalable foundation for its next phase of growth.Fobi has transitioned from a collection of standalone technologies into a professional-services-driven platform built around AI-powered reporting, mobile wallet strategy, and Web3-ready applications.REINVENTION THROUGH COST DISCIPLINE AND AI INFRASTRUCTUREA major theme is how Fobi used this period to reset its cost base and refine its revenue model. The company narrowed its operational footprint, strengthened its data-reporting capabilities, and moved toward higher-margin service engagements supported by a proprietary LLM environment that accelerates internal analyses and client delivery.A significant step involved optimizing the audit process to improve efficiency and predictability. Audit expenses had previously exceeded $1 million over two years, and the transition to a new auditor is expected to create a more streamlined path forward.“We've put ourselves in a far more efficient position than we've ever been in — and at a fraction of the cost.” — Rob Anson, CEOEARLY SIGNS OF COMMERCIAL MOMENTUMWhile limited in what it can disclose, Anson indicates that the business continued progressing throughout 2025. Several dynamics appear to be strengthening Fobi's market position:• Growing demand from enterprises seeking mobile wallet integration and data modernization • Increased use of Fobi's AI-driven reporting automation • Rising joint-venture discussions combining licensing, IP, and professional services • A more scalable cost structure supported by a leaner operating modelPREPARING FOR A STRATEGIC MARKET RE-ENTRYWith major internal milestones nearing completion, Fobi has a full brand refresh ready — including updated products, corporate materials, and new client use cases — to deploy once the company is able to communicate more broadly. Many shareholders have not yet seen how extensively the business has transformed.OUTLOOK: A LEANER, MORE FOCUSED ENTERPRISE SOLUTION PROVIDERFor investors evaluating turnaround narratives, the interview highlights decisive cost management, proprietary AI infrastructure, a pivot toward professional services, and continued commercial activity. As the company completes its remaining steps and begins its next phase, Fobi is positioning itself with a stronger foundation for long-term enterprise growth.

James Anderson, CEO of Guanajuato Silver (TSX.V:GSVR – OTCQX:GSVRF), joins me to highlight their recently announced transformational acquisition of the Bolanitos Gold-Silver Mine from Endeavour Silver, and to review the key takeaways from Q3 2025 operations and financials.  We also end the discussion getting his technical outlook on the recent price action, and supply/demand fundamentals for silver.     On November 24th Guanajuato Silver announced that it had entered into a definitive agreement to acquire the Bolanitos gold-silver located in Guanajuato, Mexico, from Endeavour Silver Corp. (TSX:EDR) for total consideration of up to US$50 million, consisting of (i) upfront consideration at closing of US$40, which is comprised of US$30 million in cash and US$10 million of Guanajuato Silver common at a deemed price of US$0.2709413 (Cdn$0.3815) per share. (ii) In addition to the Upfront Consideration, Guanajuato Silver will make two contingent payments to Endeavour, each being US$5 million, upon achieving production of two million ounces of silver-equivalent and four million ounces of silver-equivalent, respectively. Each Contingent Payment will be satisfied 50% in cash and 50% in Guanajuato Shares.   Bolanitos Acquisition Highlights   Bolanitos will be Guanajuato Silver's 5th producing precious metals mine in Mexico. Upon the completion of the Transaction, the Company will operate three primary silver mines (Topia, Valenciana, and El Cubo) and two primary gold mines (Bolanitos and San Ignacio). 2024 Production at Bolanitos totaled 2,471,027 silver-equivalent (AgEq) ounces from 427,646 tonnes grading 39 g/t silver and 1.98 g/t gold for 452,627 ounces of silver and 25,230 ounces of gold. Silver and gold recoveries were 84.4% and 92.7% respectively. AgEq calculated at 80:1 silver to gold ratio (see Endeavour MD&A for the year ended December 31, 2024). The acquisition of Bolanitos significantly increases Guanajuato Silver's resource base, adding in approximately 25 million silver equivalent ounces. The incorporation of the San Ignacio Mine into the Bolanitos Mines Complex is expected to rapidly generate improved economics and expanded mine life; mineralized material mined at San Ignacio will now be transported to the nearby 1,600 tonnes per day Bolanitos flotation plant; as Bolanitos and San Ignacio are contiguous to one another, this is expected to dramatically reduce transportation costs and increase utilization at the Bolanitos mill. The Transaction also includes the acquisition of the historic Cebada mine, which is located contiguous and to the north of theCompany's Valenciana Mines Complex (VMC). The Company intends to reactivate Cebada, which is currently on care and maintenance, as an important exploration and development project.   Selected Q3 2025 Operational and Financial Highlights:    Working capital improved over the quarter by $11.3M or 168% compared to Q2; working capital for Q3 2025 was $4.6M compared to negative $6.7M in Q2 2025. The Company reported positive operating cash flows of $3,065,567 for the first nine months of 2025; in Q3 the Company generated positive cash flow from mining operations of $712,271 with realized metal prices of $39.03 for Silver and $3,441 for gold. Production for the quarter of 457,525 silver-equivalent ounces (AgEq) comprising 245,369 ounces of silver, 2,025 ounces of gold, 597,269 pounds of lead and 741,595 pounds of zinc. Silver equivalents are calculated using an 87.70:1 (Ag/Au), 0.02:1 (Ag/Pb) and 0.03:1 (Ag/Zn) ratio for Q3 2025. Increased capital expenditures over the quarter are expected to generate improved efficiencies into 2026. Capital expenditures were 97% higher in Q3 over Q2. The investments included additions to the mining fleet, relining of Mill 3 at El Cubo, continued work to install a Falcon gravity concentrator at the Topia plant designed to further increase gold recoveries in concentrates, pre-development work at Pinguico, and dewatering programs at both Valenciana and El Cubo.   Wrapping up James and I discuss the continued bullish technical setup in the silver price, closing this last Friday at an all-time high, and breaking well above long-term resistance at $50, and even more intermediate-term resistance around $54.   James lays out the fundamental supply/demand environment for silver, and why the framework is there to keep seeing elevated silver prices moving forward.   James also gives listeners an update on the gold:silver ratio, putting current pricing in the context of historical patterns.       If you have any follow up questions for James on Guanajuato Silver, then please email them into me at Shad@kereport.com.   In full disclosure, Shad is a shareholder of Guanajuato Silver at the time of this recording and may choose to buy or sell shares at any time.   Click here to follow the latest news from Guanajuato Silver   For more market commentary & interview summaries, subscribe to our Substacks:   The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/     Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.  

This week, Steve Grzanich is joined by Thought Leader Doug McClure (Senior Vice President and Team Leader, Commercial Banking at Associated Bank) to discuss the increased optimism among CFOs on the U.S. economic outlook, as well as CEOs regaining confidence in the wake of tariffs.

AI sounds like a shortcut until your “great” ideas flop in the wild, and that is exactly what Jay Schwedelson digs into here. He breaks down a simple 100,000 person prompt that quietly flips AI out of generic creative mode and into deeper statistical thinking, then shares what happened when he A/B tested it on subject lines and CTAs. Plus, a surprisingly relatable question about hating phone calls turns into a legit strategy for staying connected without awkward calls or endless text threads.ㅤBest Moments:(01:00) Alyssa from Denver asks why AI generated ideas keep underperforming, and Jay flags the hidden problem with how most of us prompt these tools.(01:47) Jay introduces the 100,000 person prompt and shows how to ask AI to simulate huge audiences reacting to subject lines, landing pages, and offers.(03:05) Jay explains how framing prompts around 100,000 real people forces AI out of pure creativity and into deeper statistical mode for sharper recommendations.(03:45) Jay shares A/B test results where 100,000 person prompts beat generic AI suggestions over 70 percent of the time and even double click throughs on CTA buttons.(05:15) Jared from Dallas admits he hates phone calls and finds texting shallow, and Jay gets real about how easy it is to drift into isolation.(06:00) Jay reveals his go to solution of voice memos as a low pressure, high connection way to maintain relationships without live calls or walls of text.ㅤPrompts mentioned:Predict how 100,000 real subscribers would respond to each of these subject lines, rank them by expected open rate, and explain the psychology.Evaluate this hero section as if 100,000 new visitors landed on this landing page. Identify confusion points and drop-off risks.How would 100,000 consumer buyers or 100,000 B2B buyers interpret this offer? What is confusing, what is strong, and what is missing?We want you to simulate 100,000 people interacting with this call-to-action button. What should the language be?ㅤCheck out Jay's YOUTUBE Channel: https://www.youtube.com/@schwedelsonCheck out Jay's TIKTOK: https://www.tiktok.com/@schwedelsonCheck Out Jay's INSTAGRAM: https://www.instagram.com/jayschwedelson/

The latest bushfire outlook forecasts an increased fire risk across parts of Australia this summer. Despite recent rainfall in the country's southeast, authorities say it won't take long for a blaze to take hold. - По прогнозам, дни и ночи в Австралии будут более жаркими, чем обычно, а риск пожаров повысится в некоторых частях Западной Австралии, Виктории и Нового Южного Уэльса. Климатолог из Бюро метеорологии (BoM) Чжи-Вэн Чуа сообщил SBS News: «Мы ожидаем, что минимальная [температура] в большинстве случаев будет выше средней».

The latest bushfire outlook forecasts an increased fire risk across parts of Australia this summer. Despite recent rainfall in the country's southeast, authorities say it won't take long for a blaze to take hold.

Yesterday Chancellor Rachel Reeves delivered a Budget that will hike taxes by £26 billion and bring a huge change to personal finances up and down the country.More than 1.7 million people will face paying more income tax after the Chancellor froze thresholds, meaning people will be dragged into paying the tax for the first time or shifted into higher bands as earnings increase. While there is a new “mansion tax” on £2 million homes and above, a pay-per mile charge for electric vehicles, a new national insurance tax on salary sacrifice pension contributions above £2,000 and changes to ISA rules.Some levies placed on energy bills will go - lowering bills for millions of households by £150 a year, the Chancellor said. While the two-child benefit cap has been scrapped. Increased tax rates on dividends, property and savings income by two percentage points will all be introduced.We're joined by The Standard's Political Editor Nic Cecil with the latest. Hosted on Acast. See acast.com/privacy for more information.

Here are the anticipated conforming loan limits for Fannie Mae / Freddie Mac for 2026 (pending official announcement by the Federal Housing Finance Agency):819,000 is the new loan amount, so you can buy a home for $862,105 and only put 5% down to keep in conformingInteresting how prices of homes have come down, and the loan amounts have increased, so it's another way of not having to go to Jumbo financing.tune in at https://www.ddamortgage.comDidier Malagies nmls212566DDA Mortgage nmls324329 Support the show

I have a t-shirt subscription. Actually, I have two successful (and very profitable) t-shirt subscriptions: my T-Shirt Club and Tees 4 Teachers. And I'm not the only one growing thriving t-shirt subscriptions. LOTS of members of Launch Your Box are finding huge success with their own t-shirt subscriptions. With all this t-shirt subscription talk, you might be wondering if starting a t-shirt subscription is right for you.  In this episode, I'm sharing six reasons why you should consider starting a t-shirt subscription.   1. A T-shirt subscription has low start-up costs compared to other products. T-shirts range from $2-$7.  Printing can be done in-house or outsourced.  There is no need for expensive boxes - t-shirts can be shipped in poly mailers.  2. T-shirts are a wardrobe staple.  Everyone wears t-shirts.  T-shirts are consumable - they are used (worn) for a while and then replaced.  T-shirts can be dressed up or worn casually.  3. T-shirt subscriptions can be seasonal/holiday/theme-based.   Any niche can have a t-shirt subscription. Launch Your Box member t-shirt subscriptions include:  Career-focused tees Inspirational/self-care tees Tees for artists/crafters Snarky tees Animal/pet-themed tees 4. T-shirt subscriptions provide recurring revenue and recurring brand exposure.   A t-shirt subscription is a consistent source of recurring revenue.   A t-shirt subscription can provide opportunities for recurring brand exposure.  Add your label or brand to every design.  Build customer loyalty and commitment by consistently delivering quality t-shirts and designs.  5. T-shirt subscriptions foster a sense of community which can result in:  Increased loyalty Higher engagement Higher lifetime value (LTV) and retention rates 6. T-shirt subscriptions are more affordable and accessible than many other subscriptions.  A t-shirt subscription can be a successful, standalone subscription. It can also be a complement to your existing subscription box. Mine started as a complement to my Monogram Box when my subscribers asked for more t-shirts!  I've seen great success with my own t-shirt subscriptions and have helped SO MANY members of Launch Your Box build thriving t-shirt subscriptions.  I'm well-known for my extensive knowledge of all things t-shirt. So much so that my students and peers have been asking for a standalone t-shirt subscription course for quite a while. My team and I have spent the last several months working on this course. ⁠How to Start a T-Shirt Subscription⁠ covers everything you need to know in 12 video lessons full of actionable steps, worksheets, and special bonuses. It's the perfect way to get all your t-shirt subscription questions answered and get your t-shirt subscription started NOW!  Learn more about⁠ How to Start a T-Shirt Subscription⁠.  Join me for this episode as I share my own t-shirt subscription experience and all the reasons you should start a t-shirt subscription.  Join me in all the places:  ⁠Facebook⁠ ⁠Instagram⁠ ⁠Launch Your Box with Sarah Website⁠  Are you ready for ⁠Launch Your Box⁠? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. ⁠Join ⁠today!

Mike Hoss interviewed Saints rookie LB Danny Stutsman on the weekly "Saints Hour." Stutsman broke down his recent snap increase, the Saints' loss to the Falcons, and Saints LB Isaiah Stalbird's "freak" athleticism. Hoss listened to Saints linebackers coach Peter Sirmon's comments about Stutsman's growth in his rookie year. Stutsman also remembered his path from Oklahoma to the NFL.

Mike Hoss interviewed Saints rookie LB Danny Stutsman on the weekly "Saints Hour." Stutsman broke down his recent snap increase, the Saints' loss to the Falcons, and Saints LB Isaiah Stalbird's "freak" athleticism. Hoss listened to Saints linebackers coach Peter Sirmon's comments about Stutsman's growth in his rookie year. Stutsman also remembered his path from Oklahoma to the NFL.

Vitamin D Cuts Recurrent Heart Attack Risk by 52% PodcastFIVE PRIMARY POINTS of the PODCAST1. Kindness Sparks Gratitude — And Both Improve HealthThe podcast emphasizes that kindness triggers gratitude, and gratitude has measurable physiological benefits:* Reduced inflammation (lower CRP)* Calmer amygdala activity on fMRI* Lower heart rate and blood pressureKindness becomes a zero-cost, high-impact intervention for vitality.2. Gratitude Interventions Are Scientifically PowerfulDr. Mishra reviews research showing that even simple weekly gratitude exercises—such as writing about a meaningful person—result in:* Lower inflammatory biomarkers* Improved cardiovascular behaviors* Increased parasympathetic tone (more calm, less stress)3. Cultivating Closeness Is a Lifelong Vitality SkillCloseness is presented as a top predictor of longevity, more powerful than avoiding smoking or obesity. To cultivate it:* Practice “scary sharing” — listen deeply and be a bit vulnerable.* Build a “Vitality Squad” — four key friends supporting physical, mental, social, and spiritual well-being.* Forgive to rebuild — forgiveness frees mental energy and strengthens relationships.4. Social Connection Requires Intentional EffortRelationships wither without attention. Dr. Mishra urges listeners to set social-connection goals the same way they set fitness goals—aiming for one or two meaningful interactions each week.5. Ten Quotes Summarize the Year's Lessons on Kindness, Gratitude, and ClosenessThe episode concludes with a curated “Top 10 Quotes” from Mother Teresa, Simone Weil, Gandhi, Darwin, Rumi, Jane Goodall, and others—each pointing to the core message:Vitality = kindness + gratitude + connection + growth.Copyright VyVerse, LLC. All Rights Reserved. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit vitalityexplorers.substack.com/subscribe

In this bonus episode, Warren Ingram & Bastian Teichgreeber discuss the implications of recent rate cuts on the economy. They speak to the certainty of these cuts not only affecting market pricing but also a broader impact on consumer spending and economic growth. Teichgreeber highlights the potential for additional rate cuts and how they can create more financial flexibility for consumers, ultimately leading to increased economic activity.TakeawaysThe recent rate cut was anticipated and well-priced in the market.There is potential for additional rate cuts in the near future.Lower costs in loans and mortgages can boost consumer spending.Increased consumer spending can lead to economic growth.Market pricing reflects the certainty of future rate cuts.The shift in economic strategy is significant for consumers.Consumers will feel the impact of these rate cuts in various financial products.The economy can grow as consumers reinvest their savings from lower rates.Understanding market trends is crucial for financial planning.Rate cuts can create a more favorable environment for economic activity.Learn more about Prescient Investment Management here.Send us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Thanksgiving is a holiday centered around food. But for many hardworking families and individuals in Northeast Ohio, there is growing uncertainty where to find that next meal. Then, we learn about Harry Houdini's war on spiritualism with Brad Ricca, local author of the new book "Lincoln's Ghost."

This hour starts with Fox News Radio Eben Brown joins to talk about Marjorie Taylor Green resigning and says she will not run for president. Todd Piro, Host of Fox and Friends talks about wearing a tux and more. Joe Azim from The Range St. Louis West talks about the ATF raffle. In Kim on a Whim Jay Leno says this one change to his comedy tour increased ticket sales 30%.

Veronique De Rugy discusses US industrial policy, noting the trade deficit has increased despite tariffs, and the administration's decision to remove tariffs on food items—goods not produced domestically—is seen as an implicit admission that tariffs contribute to the "affordability crisis" because tariffs are a tax primarily borne by American consumers. The goals behind tariffs have shifted from fighting China to raising revenue, and the largest tariff exemption is for computer parts, indicating an understanding that tariffs could contradict other goals like energy abundance. De Rugyargues that US economic power stems from innovation and a willingness to invest, making industrial policy involving tariffs and seeking foreign investment largely unnecessary and potentially harmful. 1947

1/4   The New World Report. Professor Evan Ellis discusses increased US attention to the Americas, citing the Monroe Doctrine and the risks of intervention in Venezuela. He emphasizes that narco-terror is a complex criminal economy troubling the region. The conversation also highlights rightward political movements and citizen frustration with insecurity and violence in Chile, Ecuador, and Peru. Guest: Professor Evan Ellis. 1918

2/4   The New World Report. Professor Evan Ellis discusses increased US attention to the Americas, citing the Monroe Doctrine and the risks of intervention in Venezuela. He emphasizes that narco-terror is a complex criminal economy troubling the region. The conversation also highlights rightward political movements and citizen frustration with insecurity and violence in Chile, Ecuador, and Peru. Guest: Professor Evan Ellis. 1918

3/4   The New World Report. Professor Evan Ellis discusses increased US attention to the Americas, citing the Monroe Doctrine and the risks of intervention in Venezuela. He emphasizes that narco-terror is a complex criminal economy troubling the region. The conversation also highlights rightward political movements and citizen frustration with insecurity and violence in Chile, Ecuador, and Peru. Guest: Professor Evan Ellis. 1930

4/4   The New World Report. Professor Evan Ellis discusses increased US attention to the Americas, citing the Monroe Doctrine and the risks of intervention in Venezuela. He emphasizes that narco-terror is a complex criminal economy troubling the region. The conversation also highlights rightward political movements and citizen frustration with insecurity and violence in Chile, Ecuador, and Peru. Guest: Professor Evan Ellis. 1940

Cattle futures opened limit lower on news of the president removing tariffs on Brazillian beef. At the midday, futures traded higher but closed lower. Grains were quiet in Friday trade. Shawn Hackett of Hackett Financial Advisors recaps the trade. Topics: - January USDA data dump - South American weather - Increased demand for natural gas this winter - Was tariff news already priced in?

Max and Maria spoke with Nikolay Petrov and Mikhail Troitskiy, two leading experts on the contemporary Russian elite, to discuss the current status of this ruling group inside Russia today, and why it finds itself increasingly under pressure from state security organs. This conversation was recorded on November 13, 2025. "Отцы и дѣти: Генеалогическое исследование российской власти" (Proekt.media, November 2025) "Transition without a successor: The transformation of Putin's regime," by Vladimir Pastukhov and Nikolay Petrov (NEST, September 2025) "Managing multiple audiences: dual-track signals and the silencing of Russia's globalized elites before the invasion of Ukraine," by Mikhail Troitskiy (Post-Soviet Affairs, June 2025)

There are calls for a public awareness and education campaign about domestic violence, after fresh data has revealed its prevalence around the globe. A new report from the World Health Organisation says a quarter of women have experienced intimate partner sexual or domestic violence in their lifetime. Lauren Crimp has more.

In this episode of SHE MD Podcast, Dr. Lisa Newman and William P. Lauder join hosts Dr. Thaïs Aliabadi and Mary Alice Haney to discuss breast cancer management, multidisciplinary care, and leadership in health advocacy. They explore the latest clinical research, patient-centered strategies, and the role of philanthropy in advancing care. Learn how to improve breast health outcomes, understand treatment options, and engage with supportive programs. This episode delivers expert insights on bridging medical innovation with community impact, empowering listeners to take informed steps in their health and wellness journeys.Subscribe to SHE MD Podcast for expert tips on PCOS, Endometriosis, fertility, and hormonal balance. Share with friends and visit SHE MD website and Ovii for research-backed resources, holistic health strategies, and expert guidance on women's health and well-being.SponsorsPurely Elizabeth - Visit purelyelizabeth.com and use code SHEMD at checkout for 20% off. Purely Elizabeth. Taste the Obsession. Timeline - Timeline is offering10% off your order of Mitopure. Go to timeline.com/SHEMD.Cymbiotika - Go to Cymbiotika.com/Shemd for 20% off plus free shippingiRestore - For a limited time, get a HUGE discount on the iRESTORE Elite + Illumina Face Mask Bundle with code SHEMD at iRestore.comPeloton - Let yourself run, lift, sculpt, push, and go. Explore the new Peloton Cross Training Tread+ at onepeloton.comDavid's Protein - David is giving my listeners an exclusive offer – buy four cartons and get the fifth free at davidprotein.com/shemd Aura Frames - Exclusive $45-off Carver Mat at https://on.auraframes.com/SHEMD. Promo Code SHEMDWhat You'll LearnLatest advancements in breast cancer managementHow multidisciplinary care improves patient outcomesThe impact of philanthropy on breast cancer research and community supportLeadership lessons in healthcare and patient advocacyKey Timestamps00:00 Introduction with Dr. Thaïs Aliabadi and Mary Alice Haney02:36 William P. Lauder & Dr. Lisa Newman Introductions04:13 When William's mother was diagnosed with breast cancer & how the pink ribbon was created13:15 Educating women on preventative care, genetic testing & the risk assessment tool22:38 Dr. Newman's research on the disparities of breast cancer in black women37:14 The inherent bias in the medical community towards women and the perception of treatment46:04 Increased breast cancer diagnoses in younger women51:58 How to start the process on your own for preventative care58:02 Risk assessment and screening mammogram01:05:41 Supporters of the Breast Cancer Research Foundation01:09:56 Conversation about Estée Lauder01:13:13 Closing thoughts and actionable guidanceKey Takeaways (5 Items)Multidisciplinary care leads to better patient outcomes in breast oncologyPhilanthropy and advocacy enhance research and community supportLeadership and decision-making shape healthcare innovationsPatient-centered strategies empower individuals during treatmentCollaboration between medical, corporate, and community sectors drives changeDr. Lisa Newman is a surgical oncologist specializing in breast cancer management. She is Chief of the Section of Breast Surgery at NewYork-Presbyterian/Weill Cornell Medical Center and leads multidisciplinary breast oncology programs providing compassionate, cutting-edge care. More at Weill Cornell.William P. Lauder is Chair, Board of Directors, The Estée Lauder Companies, Co-Chair of the Breast Cancer Research Foundation, and a guest lecturer at the Wharton School. As a third-generation Lauder, he champions philanthropy, leadership, and advancing breast cancer research. More at LinkedIn.Links https://www.linkedin.com/in/william-lauder/ https://weillcornell.org/lisa-newman Patient Support Programs – https://www.shemdpodcast.com/resourcesBreast Cancer Research Foundation – https://www.bcrf.orgSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

COP 30 is largely "political theater" with commitments insufficient to address climate change. Estimates suggest the crucial 1.5-degree global temperature increase will be reached by 2030. While there is increased international attention, funding remains inadequate; Brazil secured only $5.5 billion toward its $125 billion forest preservation goal. The plight of Amazonian indigenous peoples continues unaddressed. Guest: Evan Ellis.4/4

In this episode, Tara highlights the struggles Americans face amid systemic government dysfunction: Visa and wage impact: H-1B and H-4 visas are driving down wages and limiting career growth for Americans, particularly in fields like healthcare and pharmacy. Families of visa holders can work as well, compounding the impact on local workers. Welfare and Medicaid fraud: Millions of dollars in benefits have gone to ineligible recipients, including illegal immigrants, while American families are denied assistance. The Trump administration has removed 700,000 fraudulent SNAP recipients and is recovering Medicaid funds from six states. Human perspective: Callers share personal stories of struggling to access support for special needs children and seeing wage suppression firsthand, highlighting the tangible consequences of policy failures. Media and policy accountability: Increased transparency and free speech are leveling the playing field, exposing hoaxes and forcing policy enforcement in areas long ignored. This episode combines policy analysis with the voices of real Americans, showing how federal and state actions—or inactions—directly affect everyday lives.