Podcasts about Individual

Where are global real estate markets headed in 2026? Watch our 2026 Global Real Estate Outlook panel to find out.With expert guests, including:Nasir Alamgir – Head of US & European Real Estate DebtAlex Gilbert – Co-CEO of Artemis, a Barings CompanyNick Pink – Head of European Real Estate Equity Mike Flynn – Head of Japan Real EstateModerated by Co-Head of Global Investments, David MihalickEpisode Segments:(01:00) – Introductions (03:30) – The fundamental backdrop for RE debt(08:55) – The European landscape(11:40) – Opportunities in US equity(15:20) – How APAC real estate stacks up today(20:42) – Why 2026 may be a “stock pickers” market(24:47) – Zooming in on the office sector(29:16) – Demographics as a structural driver(32:35) – Areas of opportunity in APAC(35:24) – Opportunities across sectors & risk profiles(40:49) – Affordability & the cost of development(43:30) – Bold predictions for 2026Make sure to follow our LinkedIn newsletter, Where Credit is Due to stay up-to-date on our latest public & private credit market insights.IMPORTANT INFORMATIONAny forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses. Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”).NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy.Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the informationAny service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction.Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent.25-5011565

Heart Check |} Individual Message | Pastor Phil Johnson by Emmanuel Christian Center

With housing costs, student loans, and everyday expenses skyrocketing, more young adults are turning to their parents for financial support. Doug Hoyes and Ted Michalos unpack the emotional, financial, and practical realities behind "helping" adult children, including why many parents feel compelled to assist, and break down the real risks of co-signing, lending money, or tapping home equity to solve a child's debt issues. (00:00) How costs, debt, and housing pressures shape young adults' expectations (03:10) Why parents feel compelled to help financially (06:20) When helping becomes risky for parents approaching or in retirement (10:00) Enabling, dependency, and how money strains family dynamics (12:00) Co-signing explained: what parents are really responsible for (13:30) When support prevents children from developing budgeting or financial skills (15:05) Alternatives to direct financial help (17:10) When to involve a Licensed Insolvency Trustee (18:40) Conditional help vs. open-ended rescue (25:00) Key takeaway: protect your own financial future first How Can I Help My Adult Child With A Lot Of Debt? Joint Consumer Proposal – Who Can File Together? DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

EP. # 1286 Havana Syndrome Goes Domestic: Targeted Individual Benjamin Conine and the American V2K Nightmare When Benjamin Conine's computers were remotely wiped and his wife began acting like a stranger overnight, he thought it was sophisticated hacking. Then the voices started, clear, synthetic, projected directly into his skull, day and night. What began as digital sabotage has, over two years, become relentless psychological warfare using voice-to-skull (V2K) transmission, street-level surveillance teams, and tactics eerily reminiscent of The Finders cult and modern MK-ULTRA successors. Tonight, Benjamin brings logs, recordings, and a chilling warning: the technology to silently control human thought already exists, it's being deployed on civilians, and almost no one believes the victims until it's too late. GUEST: Benjamin Conine is a maintenance technician and everyday husband who, since 2023, claims to have been subjected to an ongoing, high-tech targeting campaign involving remote neural manipulation, voice-to-skull harassment, and coordinated psychological operations. After his and his wife's devices were compromised and inexplicable voices appeared in their heads, he began meticulously documenting the intrusions. Drawing parallels to historic CIA programs and present-day surveillance fusion centers, Benjamin now speaks out as one of thousands of self-described “Targeted Individuals,” determined to prove that the sci-fi nightmare of silent mind control is already here. SUPPORT OUR SPONSORS!!! FOUND – Smarter banking for your business Take back control of your business today. Open a Found account for FREE at Found dot com. That's F-O-U-N-D dot com. Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. Join the hundreds of thousands who've already streamlined their finances with Found. HIMS - Making Healthy and Happy Easy to Achieve Sexual Health, Hair Loss, Mental Health, Weight Management START YOUR FREE ONLINE VISIT TODAY - ⁠HIMS dot com slash STRANGE⁠ ⁠https://www.HIMS.com/strange⁠ MINT MOBILE Premium Wireless - $15 per month. No Stores. No Salespeople. JUST SAVINGS Ready to say yes to saying no? Make the switch at MINT MOBILE dot com slash STRANGEPLANET. That's MINT MOBILE dot com slash STRANGEPLANET ⁠BECOME A PREMIUM SUBSCRIBER!!!⁠ ⁠https://strangeplanet.supportingcast.fm⁠ Three monthly subscriptions to choose from. Commercial Free Listening, Bonus Episodes and a Subscription to my monthly newsletter, InnerSanctum. Visit ⁠https://strangeplanet.supportingcast.fm⁠ Use the discount code "Planet" to receive $5 OFF off any subscription. We and our partners use cookies to personalize your experience, to show you ads based on your interests, and for measurement and analytics purposes. By using our website and services, you agree to our use of cookies as described in our Cookie Policy. Learn more about your ad choices. Visit ⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://strangeplanet.supportingcast.fm/

Jocko Willink is a retired U.S. Navy SEAL officer, bestselling author, and leadership expert with a 20-year military career. Enlisting at 19, he completed BUD/S class 177, served with SEAL Teams One and Two, and later commissioned as an officer with deployments across Asia, the Middle East, and Europe. He led SEAL Team Three's Task Unit Bruiser in the Battle of Ramadi during Operation Iraqi Freedom, earning the Silver Star while commanding the war's most decorated Special Operations unit. After retiring in 2010 as a lieutenant commander, Willink became a Brazilian jiu-jitsu black belt and advocate of disciplined 4:30 a.m. routines. He co-founded Echelon Front, advising companies worldwide, and launched the Jocko Podcast in 2015, surpassing 1 billion downloads. He co-owns Origin USA, founded Jocko Fuel, and operates Victory MMA & Fitness in San Diego. His books—Extreme Ownership, Discipline Equals Freedom, and the Way of the Warrior Kid series—share his principles of leadership and personal discipline. Willink is a partner in the San Diego FC ownership group and host of the FOX special Above, Below and Beyond, honoring 250 years of the U.S. Navy and Marine Corps. He lives in California with his wife, Hellene, and their four children. Shawn Ryan Show Sponsors: https://USCCA.com/srs ⁠https://tryarmra.com/srs⁠ ⁠https://betterhelp.com/srs⁠ This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. ⁠https://blackbuffalo.com⁠ ⁠https://shawnlikesgold.com⁠ ⁠https://ketone.com/srs⁠ Visit https://ketone.com/srs for 30% OFF your subscription order. ⁠https://ROKA.com⁠ – USE CODE SRS ⁠https://gemini.com/srs⁠ Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Jocko Willink Links: X -https://x.com/jockowillink IG - https://www.instagram.com/jockowillink YT - https://www.youtube.com/@JockoPodcastOfficial LI - https://www.linkedin.com/in/jocko-willink-260b289 GYM -https://victorygyms.com/person/john-jocko-willink JOCKO FUEL - https://jockofuel.com Echelon Front - https://events.echelonfront.com/product/muster-023 Amazon Author - https://www.amazon.com/stores/Jocko-Willink/author/B00ZY7MWW8 San Diego Futbol Club - https://www.sandiegofc.com/club/ownership Streaming Special - https://nation.foxnews.com/watch/f906bbf75deeb400207c23761349eef5 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Recently, Barings held its flagship private markets conference in Boston. This episode gives listeners and viewers a window into the conversations that Barings' clients, investment teams and industry thought leaders engaged in during the event.Episode Segments:(01:20) - Barings Chairman & CEO Mike Freno on opportunities and risks in private markets(07:48) - Author & Podcaster, Malcolm Gladwell on AI, private markets, tipping points and storytelling(18:54) - Co-Head of Global Investments, David Mihalick on growth in private markets, private IG, & more(27:38) - Head of Real Estate Client Portfolio Management, Greg Eudicone on RE debt vs. RE equity, and why 2026 may be a 'stock pickers' market Make sure to follow our LinkedIn newsletter, Where Credit is Due to stay up-to-date on our latest public & private credit market insights.IMPORTANT INFORMATIONAny forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses. Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”).NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy.Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the informationAny service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction.Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent.25-5019876

This holiday week, we're sharing a classic episode about the PLRB Building Codes department. The adjuster on a hail claim receives a long list of line items that are "required by code." Once the old shingles are torn off, they find rot and gaps in the sheathing, and the contractor says a thicker sheathing is now required by code.    Notable Timestamps [ 00:10 ] - Ice barriers, drip edges, a double felt underlayment... Searching the internet only leads the adjuster spiralling down a rabbit hole. [ 01:30 ] - What internet rabbit holes have you gone down? [ 04:28 ] - With PLRB's updated Address Report, members can provide an address and specify details such as rafter spans. [ 05:05 ] - PLRB's Building Codes Address Report provides the adopted building code for a specific address, ensuring it falls within the correct city boundaries (e.g., Parma, Ohio). [ 06:39] - Hail reports from NOAA are also included, allowing adjusters to confirm if hail was present in the area on the claim date. They also provide state-specific matching information, such as Ohio's "reasonable comparable appearance" standard. [ 08:27 ] - The report includes diagrams that visually differentiate between modern wood structural panels and older lumber sheathing (planks), explaining concepts like H-clips for edge support. [ 11:31 ] - The reports clarify requirements for common contractor-claimed line items, such as ice barriers, confirming if they are required (e.g., statewide in Ohio) and providing links to the source of this information. [ 14:14 ] - The "Ask a code question" button links to a form where building code experts will research the specific inquiry and provide citations and links back to the member. [ 15:44 ] - Ruth provides a recap of the points above. Your PLRB Resources Building Codes Hub & Address Report - https://members.plrb.org/building-codes FAQ: When is Double Underlayment Required? - https://www.plrb.org/documents/when-is-double-felt-underlayment-required/?search=When%20is%20Double%20Felt%20Underlayment%20Required? Ask a Building Code Question - https://www.plrb.org/building-codes/ask-plrb-building-code-question/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Tucker Carlson is a leading voice in American politics, recognized by Time magazine as the “most powerful conservative in America,” and the host of The Tucker Carlson Show, a long-form conversational podcast launched after his departure from Fox News in 2023. He attended St. George's School in Rhode Island, where he met his future wife, Susan, and developed a passion for debating, before earning a B.A. in history from Trinity College in 1991. After a rejected CIA application, Carlson pursued journalism, starting as a fact-checker for Policy Review and writing for outlets like The Weekly Standard, New York magazine, and Reader's Digest. His broadcast career spanned CNN (2000–2005) as co-host of The Spin Room and Crossfire, PBS (2004–2005) with Tucker Carlson: Unfiltered, and MSNBC (2005–2008) with Tucker. In 2010, he co-founded The Daily Caller, a political news website, selling his stake in 2020. Carlson joined Fox News in 2009, becoming a contributor, co-hosting Fox & Friends Weekend (2013–2016), and later hosting Tucker Carlson Tonight (2016–2023), the highest-rated program in cable news history. After leaving Fox in 2023, he founded TCN, an online media company dedicated to unfiltered, truth-driven reporting, reshaping the media landscape with record-breaking online interviews featuring figures like Donald Trump, Vladimir Putin, and Elon Musk. He is the New York Times bestselling author of Ship of Fools and The Long Slide. Carlson advocates for independent media, free speech, and fearless discourse on critical issues. Shawn Ryan Show Sponsors: https://tryarmra.com/srs https://betterhelp.com/srs This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://blackbuffalo.com https://shawnlikesgold.com https://ketone.com/srs Visit https://ketone.com/srs for 30% OFF your subscription order. https://ROKA.com – USE CODE SRS https://gemini.com/srs Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Tucker Carlson Links: X - https://x.com/TuckerCarlson IG - https://www.instagram.com/tuckercarlsontcn YT - https://www.youtube.com/@TuckerCarlson TCN - https://tuckercarlson.com The Tucker Carlson Show - https://tuckercarlson.com/podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Recorded live on November 13, 2025 by the Steamboat Institute, https://www.youtube.com/watch?v=769yfyFVt0QIs capitalism truly the moral engine of human flourishing—or does socialism offer a better path?In this sharp, high-stakes debate, Yaron Brook (Ayn Rand Institute) and Bhaskar Sunkara (Jacobin, The Nation) go head-to-head on the fundamental question shaping the future of freedom, prosperity, and the human condition.Hosted by the Steamboat Institute in partnership with the Center for the Study of Government and the Individual, this event brings moral philosophy, economics, politics, and human nature into a collision course.If you care about prosperity, inequality, freedom, or the future of liberal democracy… this debate is essential viewing.00:00 – 13:00 | Welcome & Opening13:00 – 15:00 | Pre-Debate Audience Poll15:00 – 20:00 | Opening Statement – Yaron Brook20:00 – 26:00 | Opening Statement – Bhaskar Sunkara26:00 – 32:00 | What Do “Capitalism” and “Socialism” Actually Mean?32:00 – 34:00 | Who Really Has the Power?34:00 – 40:00 | What Is Human Flourishing?40:00 – 47:00 | Which System Serves Healthcare & Childcare Better?47:00 – 55:00 | What Counts as a “Basic Need”?55:00 – 57:00 | What Should Education Actually Produce?57:00 – 1:00:00 | Are Military & Firefighters “Socialism”? 1:00:00 – 1:03:00 | Do Unskilled Workers Have Power Under Capitalism?1:03:00 – 1:05:00 | What Would It Take to Implement Socialism?1:05:00 – 1:11:00 | Can Socialism Coexist with Human Nature?1:11:00 – 1:19:20 | How Do We Prevent Tyranny?1:19:20 – 1:28:00 | Closing Statements1:28:00 – 1:33:15 | Post-Debate Poll ResultsSocialism promises equality. Capitalism delivers opportunity. Which path leads to real prosperity?

In this weekend's episode, three segments from this past week's Washington Journal. First: A discussion with Investigative journalist Dave Levinthal about a new push to ban individual stock trading by Members of Congress – and whether HE thinks it'll finally pass. Then: Brad Bowman of the Foundation for Defense of Democracies takes a closer look at the Trump administration's promised sale of F-35s to Saudi Arabia – and how it COULD impact the balance of power in the Mideast. Finally: It's been over 50 years since the assassination of Robert F. Kennedy, but political commentator and author Chris Matthews says RFK's political influence can still be felt today. He joins us to talk about his new book "Lessons from Bobby." Learn more about your ad choices. Visit megaphone.fm/adchoices

Turn your home equity into a plan, not a panic button! This episode gives a clear, practical checklist for using a HELOC or second mortgage wisely: how they work, what they cost, when they help, and when alternatives (like a consumer proposal) will protect your cash flow and your home better. Listen first, then decide with the numbers. (00:00) Toronto condo stress and Welcome to Scott Terrio (05:00) What a HELOC is and how it works (07:30) Second mortgages: key risks (09:00) Home "value" is changing in this market (11:00) HELOC pitfalls and personal risk (15:30) Why many homeowners resist selling (17:00) Could creditors place a lien anyway? Get the numbers (21:00) Banks can cut credit access—even existing limits (25:00) Snapshot of cash flow: budget vs. "budgeting," emergency funds (31:00) Rebuilding plan: why it isn't too late Think Twice Before Getting a Home Equity Line of Credit Episode with Scott Terrio  – Debt Free in 30 HELOC Debt: Is a Home Equity Line of Credit Right for You? Hoyes Michalos DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Don Came has been actively involved in the martial arts since 1976. He has acted as a civilian instructor for a Metropolitan Police Karate club and taught successful self-defence courses for the Crime Prevention Office in South London. Beyond Basics: Online Syllabus and More: https://www.doncame.com/videos-1

In this episode of Nurturing Financial Freedom, we explore the bold claim that retirees should hold nothing but stocks forever. Sparked by a recent Wall Street Journal article by Jason Zweig, the conversation centers around whether an all-equity portfolio is a sound retirement strategy, or just good theory that breaks down in the real world. We tackle the academic study Zweig references, which analyzed over a century of data across 39 countries, concluding that bonds have historically underperformed and added minimal diversification. At first glance, that makes a compelling case for stocks-only portfolios, even in retirement.But as we point out, average returns over a hundred years don't capture the emotional and practical realities retirees face. Markets move in cycles, and people's risk tolerance changes over time—especially when they stop contributing and start drawing income in retirement. When volatility hits, a paper loss becomes a real-life stressor, and if the timing is bad enough, it can ruin a retirement plan. The study fails to account for the psychological impact of watching your nest egg drop 30–40%, which often leads investors to panic and sell low. We emphasize that bonds, CDs, and cash aren't exciting, but they serve a critical purpose: they provide liquidity and peace of mind during market downturns.We share examples of possible outcomes for people who retired just before the 2008 crash—and how balanced portfolios helped them weather the storm while all-stock portfolios struggled. Those who were all-in on stocks or fled to cash at the wrong time are still trying to catch up—or never did. We also run a hypothetical example from 1999 to 2024 showing how a 60/40 split outperformed both a pure stock and pure bond strategy over 25 years, with regular withdrawals. The math alone doesn't capture the full picture. Sequence of returns risk is real, and so is the need for flexibility.Ultimately, we conclude that the best plan isn't the one with the highest theoretical return—it's the one you can stick with. A diversified portfolio might not always win in terms of raw numbers, but it gives you the best chance to live the life you want in retirement, regardless of market conditions. For us, true financial freedom comes from consistency, flexibility, and balance—not gambling on perfect market timing.You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536 Any opinions are those of Ed Lambert Alex Cabot, financial advisors, RJFS, and Jon Gay, and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. Stock Market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190.Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management.  This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members.   You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536 Any opinions are those of Ed Lambert Alex Cabot, financial advisors, RJFS, and Jon Gay, and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. Stock Market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190. Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Senator Rand Paul (R-Kentucky) joins Chris Cuomo to break down why the fight over the Epstein files has become a test of public trust — and why he supported full disclosure even while warning people not to expect bombshell revelations. Cuomo presses Paul on how Washington keeps feeding suspicion through secrecy and mixed messages, what real accountability would look like, and why both parties are too comfortable letting the public assume the worst. They also dig into the surprise hemp ban buried in the shutdown bill, Paul's clashes with Mitch McConnell over industry pressure, and how a $25 billion sector got kneecapped without a real debate. From Venezuela to war powers to the politics of fear inside Congress, Paul explains why he believes leaders in both parties are avoiding tough choices as the country drifts deeper into dysfunction. Follow and subscribe to The Chris Cuomo Project on Apple Podcasts, Spotify, and YouTube for new episodes every Tuesday and Thursday: https://linktr.ee/cuomoproject Join Chris Ad-Free On Substack: http://thechriscuomoproject.substack.com Support our sponsors: For a limited time, our listeners are getting an additional $20 Off with code TAKE20. Head to Superpower.com and use code TAKE20 at checkout for $20 off your membership. Take advantage of Soul's Black Friday-Cyber Monday deal now! For a limited time, get 40% off your entire order! Go to http://GetSoul.com and use the code CUOMO. Ready to give Rugiet a try? Get 15% off your first order by going to http://rugiet.com/CUOMO and using code CUOMO. Disclaimer - Rugiet prescriptions are compounded medications, available only if prescribed following an online consultation with a licensed clinician. Compounded drugs can be prescribed by federal law, but are not FDA-approved and have not been reviewed by the FDA for safety, effectiveness, or manufacturing. Individual results may vary. Full safety information available at Rugiet.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Gene Zannetti talks with High Point Head Coach Billy Smith about overcoming nerves through deep breathing and relaxation, why team wrestling prepares athletes for individual success, and keeping fundamentals basic for 50+ years of program success.Timestamps:0:46 - Struggling with nerves despite confident preparation3:53 - The moment deep breathing beat the nerves5:13 - Kids need structure and guidance with checklists6:28 - Overthinking as a cerebral wrestler10:17 - Love winning but more than just a competitor14:00 - Team goals prepare you for individual goals18:01 - Being part of something bigger than yourself22:15 - Managing personalities harder than coaching technique

In this episode of the Conquer Athlete Podcast, hosts Jason Leydon, Tyler Cooke, and Ryan Bucciantini engage in a candid discussion about the coaching profession, the importance of professionalism, and the dynamics between athletes and coaches. They share personal anecdotes, rants about job applications, and insights into the challenges faced by coaches and athletes alike. The conversation emphasizes the need for accountability, effective communication, and the art of coaching in high-pressure environments, ultimately highlighting the significance of preparation and mindset in achieving success in competitive sports. Takeaways Coaches should research the organizations they are applying to. Professionalism in communication is crucial for job seekers. Athletes need to take responsibility for their training and feedback. Coaching is about providing the right cues at the right time. The athlete-coach relationship should foster independence and confidence. Individual design coaching requires accountability and communication. Athletes must be willing to adapt and change to improve. Coaches should avoid over-managing athletes during competitions. Effective coaching involves understanding the athlete's mindset and needs. Preparation and focus are key to success in high-stress environments. Topics The Art of Coaching: Insights and Anecdotes Navigating the Coaching Job Market   Sound bites "You better say something, Tyler." "I feel like we're in weird mood." "I don't want to waste your time."   Chapters 00:00 Introduction and Light Banter 03:01 Coaching Insights and Job Market Rants 05:53 Professionalism in Coaching Applications 08:37 Personal Experiences and Industry Challenges 11:42 Changes in Leadership and Coaching Dynamics 14:52 The Importance of Accountability in Coaching 16:07 The Challenges of Coaching Large Groups 17:40 The Role of Coaches in Athlete Development 19:20 Athlete Responsibility and Coach Education 21:21 The Importance of Adaptability in Athletes 23:55 The Dynamics of Coach-Athlete Interaction 25:57 The Art of Coaching in High-Pressure Situations 32:03 Finding Focus Amidst Competition Chaos 37:55 Conclusion and Future Discussions

1. Texas Declares Muslim Brotherhood & CARE as Terrorist Organizations Action Taken: Texas Governor Greg Abbott issued a proclamation designating the Muslim Brotherhood and the Council on American-Islamic Relations (CARE) as foreign terrorist and transnational criminal organizations. Implications: These groups are now prohibited from acquiring real property in Texas. Governor’s Statement: Abbott cited their alleged goals of imposing Sharia law and supporting terrorism globally. Background: CARE is described as a domestic organization linked to Hamas and implicated in supporting terrorism. The Muslim Brotherhood is portrayed as an umbrella group with affiliates like Hamas. Federal Context: Senator Cruz has pushed for federal designation for over a decade. Legislative efforts have faced resistance from State Department bureaucrats. Cruz introduced bipartisan legislation with Senator John Fetterman to designate affiliates first, then the global organization. Political Dynamics: Discussion of partisan challenges and rare bipartisan cooperation. Praise for Fetterman’s independence and criticism of Democratic Party’s internal politics. 2. Gambling Crisis in Professional Sports Issue: Widespread corruption linked to prop bets (bets on specific game events rather than outcomes). Examples: NBA and MLB scandals involving players and coaches fixing aspects of games. Detailed case: Cleveland Guardians pitchers allegedly manipulated pitches for betting gains, earning hundreds of thousands of dollars. Risks: Increased vulnerability due to proliferation of sports betting. Individual players can easily influence prop bets (e.g., throwing a ball instead of a strike). Senate Investigation: Cruz launched an oversight inquiry via the Senate Commerce Committee. Letters sent to MLB and NBA requesting information on integrity measures. Concerns: Potential for corruption in college sports. Discussion on whether leagues can self-police or if Congress should intervene. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshow YouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

In this 2026 Outlook discussion, our experts across Direct Lending, Asset-Based Finance and Portfolio Finance cover:- Where they see value and how they're assessing risks- What trends are shaping the landscape in the year ahead- Their personal “bold predictions” for 2026Panelists:Orla Walsh – Head of Europe Private Credit Portfolio ManagementJim Moore – Head of Asset-Based FinanceDadong Yan – Head of Portfolio Finance Episode Segments:(01:47) – 3 trends shaping the landscape for private credit (05:30) – Assessing risks in private credit today (07:57) – Deal pricing and structuring dynamics (10:12) – Private credit's runway for growth (12:41) – Regional divergences & the impact of tariffs(19:29) – Defining private asset-based finance (23:22) – How macroeconomic trends & divergences are shaping the landscape (29:53) – Jim's bold prediction for ABF in 2026 (34:02) – Defining portfolio finance and why it's gaining traction (40:40) – Key risks facing the market (44:17) – Misconceptions around the market (47:39) – Dadong's bold prediction for portfolio finance in 2026 Make sure to follow our LinkedIn newsletter, Where Credit is Due to stay up-to-date on our latest public & private credit market insights.IMPORTANT INFORMATIONAny forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses. Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”).NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy.Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the informationAny service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction.Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent.25-4971702

In this episode of the Society of Actuaries Research Insights Podcast, Dale Hall, Managing Director of Research at the Society of Actuaries, explores the 2019 Individual Life Insurance Mortality Experience Report with two expert guests: Jim Toole, FSA, CERA, MAAA, Chief Luminary at Aurora Actuarial, and Philip Adams, FSA, CERA, MAAA, Senior Experience Studies Actuary at the SOA Research Institute. They discuss the significant shifts in mortality trends from 2012 through 2019, including the dominance of level premium term insurance, the introduction of expanded preferred underwriting classes, and the increase in older age issue ages. The conversation also highlights the transition of data collection from MIB to the NAIC, and how predictive analytics like boosted decision trees and vine copulas were leveraged for data validation and insights. Actuaries will find insights into how these findings can support pricing, reserving, and risk management efforts, along with resources such as Tableau dashboards and downloadable text files that make data analysis more accessible. With post-2019 data expected soon, this episode offers timely reflections on the evolving landscape of individual life insurance mortality. Access the report and related materials by visiting the SOA website at:  https://www.soa.org/resources/research-reports/2024/ilec-mort-2012-19/

How should churches respond when someone in a same-sex relationship wants to volunteer?Brady Cone dives into one of the most asked—and most delicate—questions he receives from churches across the country. What role should elders play? What expectations should exist? And how do we hold truth and compassion together?If this helped you, check out more resources at CalibrateMinistries.com.Timestamps:00:00 — Why This Podcast Exists: Real Questions Need More Than Two Minutes00:45 — The Most Common Question Brady Gets From Churches02:13 — When Someone in a Same-Sex Relationship Wants to Serve: First Steps03:15 — Why Elders Must Handle These Situations (Not Volunteers)05:28 — What Is the Purpose of a Church Service? Evangelism or Discipleship?07:55 — Why Healthy, Robust Church Membership Actually Matters10:33 — How Church Membership Protects Both the Individual and the Body11:57 — Why Unrepentant Sin Should Feel Uncomfortable in Church13:23 — Handling Same-Sex Couples: Individual vs. Couple Discipleship16:26 — Why Discipleship Must Be Individual for Same-Sex CouplesJoin us weekly as we strive help people embrace God's standard for sexuality! Other ways to listen:https://linktr.ee/calibrateconversations#Church#Leadership#Truth

What Reality Is Made Of?To ask what reality is made of is to step beyond materialist assumptions. The traditional view insists that matter is the bedrock of existence. Yet evidence from quantum pioneers, neuroscientists, and mystics points elsewhere: reality is vibration, energy, and non‑local consciousness.At the foundation of this worldview is light. Across science and theology, light is described as the universe's premier information bearer. In creation myths, it is the first act of differentiation from the void, the symbol of revelation and truth. In physics, light confronts us with paradox: both wave and particle, continuous and discrete. This duality mirrors the divine—immanent and transcendent—suggesting paradox itself is the signature of ultimate reality.From this paradox flows a radical implication: matter is not solid. What we perceive as particles are localized vibrations, excitations in an underlying quantum field. Imagine the universe as a vast, calm ocean. A ripple upon its surface is what we call a particle. When the energy dissipates, the ripple folds back into the ocean. Solidity is not inherent but an interaction with the Higgs field, a kind of cosmic molasses. The field is primary; the particle is secondary.This vibrational worldview was the bedrock of Nikola Tesla's genius. His famous dictum—“think in terms of energy, frequency, and vibration”—was practical insight. Tesla saw the brain as a receiver, consciousness as resonance, and knowledge as something tuned into rather than generated. His experiments with wireless energy showed that aligning with the Earth's natural frequency, the Schumann resonance, amplified power dramatically. If technology can be amplified by resonance, what happens when consciousness itself aligns with the universe's frequency?Here the ancient concept of the Akashic Records becomes relevant. Akasha, Sanskrit for “ether” or “space,” refers to a universal field of consciousness containing all information—past, present, and future. Like a Wi‑Fi network, it is invisible, non‑local, and accessible to any consciousness tuned to the right frequency. Examples abound: Ramanujan receiving advanced mathematical theorems in visions; Baba Vanga perceiving entire lifetimes at once; near‑death experiencers reporting veridical knowledge when the brain was clinically offline. These cases suggest the brain is not a generator of consciousness but a filter, collapsing infinite information into manageable local experience.The pineal gland emerges as a key interface. Revered across cultures as the “seat of the soul,” it produces dimethyltryptamine (DMT), the so‑called spirit molecule. At death, it may flood the brain, loosening the filter and enabling consciousness to decohere from the body. Meditation, meanwhile, alters brainwave frequencies—theta and gamma states correlate with expanded awareness and coherence. Quantum theories suggest that when brains achieve coherence, they may even entangle, enabling non‑local information transfer.The ultimate synthesis is cosmopsychism: the idea that cosmic consciousness is the sole ontological primitive. Individual selves are dissociated alters of this vast mind, localized perspectives within a unified field. Creativity, then, is not purely internal but a non‑local download. Ideas are living entities seeking human collaborators. Savant syndrome further illustrates this: sudden, untrained genius suggests the removal of inhibitory filters, allowing direct access to dormant fields of knowledge.Reality, then, is not inert matter but a living vibrational field. Consciousness is the field itself, filtered through the brain. To participate in reality is to tune—to align with frequencies of truth, coherence, and creativity. Tesla's insight was correct: the secrets of the universe are found in energy, frequency, and vibration.Grant Cameron Websitewww.presidentialufo.org

Happy Noirvember! On the fifty- third episode of ATFT, the Director of Communications for the Film Noir Foundation, Anne Hockens, joins me in analyzing Billy Wilder's 1944 film noir classic, Double Indemnity! This episode is spoiler- filled. Double Indemnity, according to Anne's friend and the president of the Film Noir Foundation Eddie Muller, marked the beginning of the film noir movement. The film revolves around Walter Neff (Fred MacMurray), an insurance salesman, who one day meets Mrs. Phyllis Dietrichson (Barbara Stanwyck), the wife of a customer, in attempt to renew a policy. Their attraction is clear from the moment they first lay eyes on each other and grows stronger with each meeting. When Phyllis suggests she would like her husband dead, they plan “the perfect murder” with the intention of collecting as much money as possible through the "double indemnity" clause in Mr. Dietrichson's insurance policy, unbeknownst to him, but they have to get past Neff's intuitive and deeply analytical boss Barton Keyes (Edward G. Robinson) to pull it off. Double Indemnity is regarded by many still to this day as one of, if not the best film, within the noir genre. The Film Noir Foundation's 23rd annual Noir City Film Festival will take place in Oakland, California from January 16- 25. Over this week, 24 films will be screened but those titles won't be announced until the night of Noir Christmas which will take place in Oakland on December 17. Get your Noir Christmas tickets by clicking here! Individual tickets for the Noir City festival go on sale that night but you can get your Noir City pass by going to NoirCity.com. We talk extensively about the Film Noir Foundation towards the end of the episode so be sure to listen to the episode all the way through to learn more about all that's going on with the foundation from upcoming Noir City film festivals to their monthly magazine to their biweekly podcast Ask Eddie, with Anne and Eddie Muller, by going to their Facebook page, YouTube channel, and FilmNoirFoundation.org. In this episode, Anne and I talk about the techniques and noir tropes Double Indemnity introduces to the noir genre and cinema that continue to be utilized today, if Walter and Phyllis really loved each other, and why “tell” rather than “show” works to this film's advantage! Since this conversation marked the first time Anne and I have conversed, this episode does contain several tangents on topics such as other noir films, the danger of nitrate prints, and film sites Anne sees on a daily basis living in San Francisco. All this and more on the new episode of All the Film Things!Interested in listening to more film noir- focused episodes to celebrate Noirvember? Check out:Episode 2: The Wrong Man with Emmy- winning photojournalist Cole Echevarria Episode 8: Elevator to the Gallows with podcaster Cristina SantiagoEpisode 22: Chinatown with film historian/ author/ lecturer Max Alvarez Episode 31 : Le Samouraï with movie critic Matthieu CôtéMusic credit: Noire #1 by Music By Pedro https://goo.gl/sJT2e8 Promoted by MrSnooze  • Film Noir Background Music for Videos...  

Our country has a decades-long history of candidates promising to reduce war and spending. And then, of course, when they get in office, they seem to do the opposite, no matter which political persuasion. The only good news is that when the public feels deceived, they Elect the opposite party. But of course within a year it is just more of the same.Ron Paul has reminded us that there is no perfection either by liberty or by tyranny. He suggested the solution is to introduce more individual voluntary choice into our system.Clip Used: Conservatives Fume Over 'Former' Al Qaeda In The White HouseBy: RonPaulLibertyReportFollow Us:YouTubeTwitterFacebookBlueskyAll audio & videos edited by: Jay Prescott Videography

In this episode of The PDB Afternoon Bulletin: Russia's oil sector is taking heavy hits on two fronts. Ukrainian drones are striking deep inside the country, while new U.S. sanctions are cutting off key buyers in India and China. We'll explain why this dual pressure is becoming a serious problem for Moscow's war economy. Germany is preparing to lift its freeze on arms exports to Israel, saying the Gaza ceasefire has stabilized enough to reverse restrictions imposed during the height of the conflict. Please remember to subscribe if you enjoyed this episode of The President's Daily Brief. YouTube: youtube.com/@presidentsdailybrief Rugiet: Ready to give Rugiet a try? Get 15% off your first order by going to http://rugiet.com/PDB and using code PDB. Rugiet prescriptions are compounded medications, available only if prescribed following an online consultation with a licensed clinician. Compounded drugs can be prescribed by federal law, but are not FDA-approved and have not been reviewed by the FDA for safety, effectiveness, or manufacturing. Individual results may vary. Full safety information available at https://Rugiet.com  Lean: Visit https://BrickhouseSale.comfor 30% off StopBox: Not only do you get 10% Off your entire order when you use code PDB10 at https://stopboxusa.com/PDB10, but they are also giving you Buy One Get One Free for their StopBox Pro. #stopboxpod Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The President's Daily Brief: Newly uncovered emails reveal Jeffrey Epstein's sprawling network of foreign contacts — and his extraordinary claims that he was feeding Russian associates insight into Donald Trump's policy decisions. Poland deploys security forces after a critical rail line to Ukraine is blown up in what officials are calling a suspected act of sabotage. Plus — thousands of demonstrators in Mexico City clash with police during protests over cartel violence and government inaction. And in today's Back of the Brief — a notorious Ecuadorian drug kingpin who faked his own death has finally been captured in Spain, ending four years on the run. To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting https://PDBPremium.com. Please remember to subscribe if you enjoyed this episode of The President's Daily Brief. YouTube: youtube.com/@presidentsdailybrief Rugiet: Ready to give Rugiet a try? Get 15% off your first order by going to http://rugiet.com/PDB and using code PDB. Rugiet prescriptions are compounded medications, available only if prescribed following an online consultation with a licensed clinician. Compounded drugs can be prescribed by federal law, but are not FDA-approved and have not been reviewed by the FDA for safety, effectiveness, or manufacturing. Individual results may vary. Full safety information available at https://Rugiet.com  Lean: Visit https://BrickhouseSale.comfor 30% off StopBox: Not only do you get 10% Off your entire order when you use code PDB10 at https://stopboxusa.com/PDB10, but they are also giving you Buy One Get One Free for their StopBox Pro. #stopboxpod Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to another episode of School Counseling Simplified. Today, we're pulling back the curtain on what really makes individual counseling sessions effective, engaging, and purposeful. If you've ever felt unsure about what to do in these sessions or overwhelmed by how to track student progress, this episode is packed with practical, ready-to-use strategies. Individual counseling is an important Tier 3 support that allows you to provide targeted, personalized intervention. With the right tools and structure, these sessions can feel manageable and meaningful. Why Individual Counseling Matters Individual counseling is an essential component of a layered support system. These sessions provide space to work one-on-one with students who need more intensive intervention. In this episode, you'll learn: How to identify students through referral systems How group counseling can help you determine which students may benefit from individual support Why individual sessions allow for deeper rapport and tailored intervention Quick Wins for Tracking Data Data collection does not have to be complicated or time-consuming. This episode highlights simple tools you can implement immediately, including: A 30-second student rating scale Thumbs-up or thumbs-down check-ins Quick data points that help you make informed decisions and track growth These small, consistent data practices keep you from guessing what students need and allow you to confidently measure progress. How to Engage Students in Individual Counseling Engagement is key for successful sessions. This episode shares a variety of activities, strategies, and tools you can use to keep students motivated and open. Feelings Check-ins Model emotional vocabulary Use the Zones of Regulation Incorporate visuals Rapport-Building Activities Get-to-Know-You Jenga Peak and Pit Genograms Discussion or interview cards Hands-On and Creative Activities Digging Deep activities Personalized social stories Crafts such as coping skills toolboxes Board games Task cards Art projects Modifications for Younger Students Increased hands-on activities Use of play dough Dolls and characters for storytelling Verbal reflections instead of written prompts These strategies help students express themselves, stay engaged, and build meaningful connections. Reflection Tools for Closing Sessions Reflection helps students internalize their learning and practice self-awareness. Inside the episode, we explore: Journaling Reflection sheets Interview-style verbal reflections Open-ended questions that support closure Using Data to Track Student Progress Meaningful data guides your decisions and supports your advocacy efforts. You will learn how to use: Student rating scales Self-assessments Behavior surveys from teachers and caregivers This data helps you determine next steps, identify patterns, strengthen communication with stakeholders, and build year-end reports or data walls that demonstrate the impact of your counseling program. Additional Tips Provide clear examples for students Prepare materials in advance Maintain consistent session structure Balance conversation with activities Resources Mentioned: Join IMPACT Connect with Rachel: TpT Store Blog Instagram Facebook Page Facebook Group Pinterest Youtube   More About School Counseling Simplified: School Counseling Simplified is a podcast offering easy to implement strategies for busy school counselors. The host, Rachel Davis from Bright Futures Counseling, shares tips and tricks she has learned from her years of experience as a school counselor both in the US and at an international school in Costa Rica. You can listen to School Counseling Simplified on Apple Podcasts, Spotify, Google Podcasts, and more!    

What if the key to healing your body is trapped deep inside your nervous system?You've probably heard that changing your mindset can change your health. While there's truth to that, it's missing something crucial. Dr. Katie sits down with Jakob Gričar, a trauma-informed coach and somatic expert, to explore why so many people spend years in therapy without real relief. He shares why  when you work with your nervous system and embrace the physical sensations you've been avoiding, you access healing that talk therapy alone misses.Chapters:00:06:00 – Why basic tools still dysregulate you00:08:11 – When your trauma runs the show00:09:55 – What somatic work actually is00:12:21 – Let your pain tell you its story00:17:26 – Fasting as a portal for emotional healing00:20:32 – Fall in love with your condition00:29:30 – Why you should not heal alone00:33:09 – How to feel sensations instead of thoughts00:41:00 – The cost of ignoring your inner truth00:44:09 – Four pillars of real healing in the bodyJakob shares his own journey from chronic skin disease to complete healing, and reveals why being present with pain (rather than numbing it) might be your most powerful tool. Whether you're dealing with cancer, chronic illness, or just feeling stuck in patterns you can't break, this conversation will offer you a fresh perspective.Dr. Katie and Jakob explore how everything from relationships to physical symptoms can trace back to nervous system dysregulation, and why creating calm in your body is the foundation for everything else.You'll hear simple techniques to regulate your nervous system, understand when you need professional support and discover why authenticity isn't just a buzzword but a biological necessity. Listen and learn why denying what you know to be true about your life can literally make you sick, and what happens when you finally align with your authentic self.Connect with Guest:  https://www.instagram.com/jakobgricar/?hl=enAccess the FREE Water Fasting Masterclass Now: https://www.katiedeming.com/the-healing-power-of-fasting/ Transform your hydration with the system that delivers filtered, mineralized, and structured water all in one. Spring Aqua System: https://springaqua.info/drkatieMORE FROM KATIE DEMING M.D. Work with Dr. Katie: www.katiedeming.com 6 Pillars of Healing Cancer Workshop Series - Click Here to Enroll Follow Dr. Katie Deming on Instagram: https://www.instagram.com/katiedemingmd/ Email: INFO@KATIEDEMING.COM Please Support the Show Share this episode with a friend or family member Give a Review on Spotify Give a Review on Apple Podcast Watch on Youtube: https://youtube.com/playlist?list=PL5LplU70TE9i01tW_7Tozi8b6X6rGBKA2&si=ZXLy5PjM7daD6AV5 DISCLAIMER: The Born to Heal Podcast is intended for informational purposes only and is not a substitute for seeking professional medical advice, diagnosis, or treatment. Individual medical histories are unique; therefore, this episode should not be used to diagnose, treat, cure, or prevent any disease without consulting your healthcare provider.

Dr. Linda Chu sits down with Dr. Anjum Ahmed, Chief Medical Officer at AGFA HealthCare, to explore how enterprise imaging is shaping the future of radiology through AI-driven workflows, human-centered design, and personalized patient care. Together, they discuss what "Imaging the Individual" means for radiologists today and what radiology might look like in 2030 and beyond. Sponsored by AGFA HealthCare.

Benny's Liquor, Fireworks & Gunpowder Emporium went up in flames last night. Motion-detector alarms caught the fire and automatically notified the police, who found the fire and called the local fire chief, but by the time they arrived it was too late. Now his insurer claims he violated his Protective Safeguards Endorsement by installing burglary alarms instead of actual fire alarms. Benny doesn't recall anything about this, but apparently it's some paper he signed when he bought the policy. Key Takeaways [ 00:37 ] - Benny's shop burned down, and his insurer denied the claim due to a protective safeguards endorsement violation. [ 01:05 ] - Benny had a motion detector burglar alarm instead of the required fire alarm and does not recall agreeing to the protective safeguards endorsement. [ 06:09 ] - Protective safeguards endorsements require the insured to maintain the specific safeguards named in the policy schedule as a condition of insurance. [ 06:59 ] - If the insured knows of any suspension or impairment in the safeguards, they must notify the insurer or risk losing coverage. [ 08:29 ] - If a safeguard is shut off due to breakage or leakage, repairs must be completed within 48 hours for notification to the insurer not to be necessary. [ 10:47 ] - Courts often follow the strict policy language; simply having a different type of alarm, even if it detected the fire, is not considered compliant. [ 12:04 ] - The protective safeguards endorsement is often found in commercial property or farm coverage, and courts tend to enforce strict compliance. [ 15:15 ] - Coverage can be denied even if the breach of the safeguard duty did not affect the outcome of the loss because compliance is a condition of the insurance. [ 18:11 ] - Beth provides a summary of the key takeaways. Your PLRB Resources Coverage Question: Fire Loss Involving Protective Safeguards Endorsement - https://www.plrb.org/documents/fire-loss-involving-protective-safeguards-endorsement/ Law Review: New Hamilton Liquor Store, Inc. v. Amguard Ins. Co. - https://www.plrb.org/documents/new-hamilton-liquor-store-inc-v-amguard-ins-co-2020/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Vivemos em um mundo que celebra a autonomia individual como um dos valores mais altos da civilização moderna. Esse ideal, herdeiro direto do Iluminismo e articulado de maneira refinada por pensadores liberais como John Stuart Mill, transformou a maneira como enxergamos o papel do indivíduo em relação à sociedade, ao Estado e, inevitavelmente, à religião. Para Mill, a liberdade individual não era apenas um direito político, mas uma necessidade ética e epistemológica: uma condição essencial para o florescimento moral e intelectual do ser humano. Essa noção, embora empolgante, carrega consigo implicações profundas e, por vezes, perigosas, especialmente quando transposta para a vida e a estrutura das comunidades de fé — como é o caso da Igreja Adventista do Sétimo Dia. Como equilibrar liberdade de consciência e fidelidade doutrinária? Como garantir participação democrática sem dissolver a unidade escatológica da missão? Como permitir diversidade sem abrir mão da verdade revelada? A filosofia de Mill fornece ferramentas valiosas para pensar essas questões — mas também exige vigilância para que a liberdade não se transforme em relativismo, e a diversidade em anarquia eclesiástica.

Many Ontario small business owners use personal credit to get a venture off the ground, because banks rarely lend to brand-new businesses. That convenience can help with early cash-flow gaps and sometimes costs less than a high-risk business loan, but it also creates serious personal exposure: guarantees, blurred books, CRA headaches, and credit-score damage. Doug and Ted walk through when using personal debt might make sense, the major risks to watch for, and practical ways to structure your finances. (00:00) Self-employment: Opportunity vs. Necessity (02:00) Capital-Intensive vs. Lean Start-Ups (with examples) (04:00) Why banks don't fund brand-new businesses and what "collateral" means (06:30) Pro #1- Easier access to credit for start-ups (08:00) Pro #2 - Cash flow and other short-term advantages (09:30) Con #1- Personal liability: when business failure becomes personal insolvency (12:00) Con #2 - Blurred finances: bookkeeping pitfalls, CRA risk, and collection stress (14:00) Con #3 - Credit-score impact: utilization and missed-payment damage (16:00) Best practices and tips (19:00) The three roles every small business owner needs Debt Traps of Buying a Business with David Barnett – Debt Free in 30 Bad Funding Choices for Small Businesses with David Barnett – Debt Free in 30 Want to Buy a Business?  Here's What to Know First – Debt Free in 30 Starting or Buying A Business Out of Necessity – Debt Free in 30 DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

The Chartered Trading Standards Institute is warning people to keep a close eye on their bank and credit card accounts after thousands of unsuspecting shoppers have said they're having money taken without their knowledge. Individual payments are usually quite low, but if not spotted, they can quickly start to add up. Trading Standards say it's "outrageous" these payments are being taken without explicit consent. How can you spot and stop these payments?Two thirds of first time buyers are overpaying their mortgage and one in six hope to be mortgage free by the time they're 40 according to a report from TSB. Is it the same for other mortgage holders and what should you think about if you're considering overpaying on your mortgage?More than half of adults in the UK do not have a will. So if they die they will have no say in how their money, property, and possessions are distributed. WillAid, where solicitors all over the UK make free wills and suggest a donation to charity in exchange. How does it all work and what happens if someone dies without a will?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Producers: Robert Cave Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast at 12pm on Saturday 18th October 2025)

팔로우업- 카카오톡 사태 - 결국 항복 - 이승건씨가 뿔났어요 - 꺼라위키가 뭐가 중헌디- 시놀로지, 자사 하드디스크 정책 철회- 조니 아이브의 오픈AI 하드웨어 정체는?제임스 본드에게서 총을 뺏었습니다디즈니가 미는 새로운 프랜차이즈취소된 어쌔신 크리드 게임 이야기운전자들을 위한 iOS 26 꿀팁비트윈 해킹 사건테슬라에 방향 지시 스토크 달아드려요테슬라 모델 3 & Y 스탠더드AI 배우와 AI 감독- 배우- 감독테일러 스위프트, 티저 영상에 AI 썼다?지하철 안내 음성을 성우 대신 AI로?챗GPT의 삭제된 대화, 이제 진찌로 지워진다오픈AI Dev Day소라 2 난리티떱님이 만든 소라 영상

Also, GP Dr Jack Mosely on the science behind weight loss drugs.

Chase Hughes is a leading expert in human behavior analysis, influence, and persuasion, with over 20 years of experience as a U.S. Navy veteran. He developed groundbreaking programs like the "Behavior Pilot Program" for HUMINT, "CuePrime" for interrogation behavior analysis, and the "Pre-Violence Indicators Index" for detecting pre-attack behaviors. Author of the bestselling "The Ellipsis Manual: Analysis and Engineering of Human Behavior," Hughes consults for law enforcement, the military, Fortune 500 executives, and more. As a member of "The Behavior Panel" on YouTube, he educates on body language and deception detection. Internationally board-certified in clinical hypnotherapy, he advocates for ethical use of behavioral science in leadership, security, and personal development, drawing from his military background to create life-saving systems like "The Hostile Hospital" and "Tactical Psychology." Shawn Ryan Show Sponsors: Buy PSYOP Now - ⁠https://psyopshow.com⁠ Preorder Now - ⁠https://callofduty.com⁠ ⁠https://americanfinancing.net/srs⁠ NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781-8900, for details about credit costs and terms. ⁠https://tryarmra.com/srs⁠ ⁠https://aura.com/srs⁠ ⁠https://betterhelp.com/srs⁠ This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. ⁠https://bunkr.life⁠ – USE CODE SRS Go to https://bunkr.life/SRS and use code “SRS” to get 25% off your family plan. ⁠https://shawnlikesgold.com⁠ ⁠https://hillsdale.edu/srs⁠ ⁠https://ketone.com/srs⁠ Visit https://ketone.com/srs for 30% OFF your subscription order. ⁠https://mypatriotsupply.com/srs⁠ ⁠https://patriotmobile.com/srs⁠ ⁠https://prizepicks.onelink.me/lmeo/srs⁠ ⁠https://ROKA.com⁠ – USE CODE SRS ⁠https://tractorsupply.com/hometownheroes⁠ ⁠https://ziprecruiter.com/srs⁠ ⁠https://gemini.com/srs⁠ Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This episode is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Chase Hughes Links: Website - https://chasehughes.com YT - https://www.youtube.com/@chasehughesofficial IG - https://www.instagram.com/chasehughesofficial FB - https://www.facebook.com/chasehughesofficial The Behavior Panel - https://www.youtube.com/c/TheBehaviorPanel Amazon Author Page - https://www.amazon.com/stores/Chase-Hughes/author/B06VW1H89K Learn more about your ad choices. Visit podcastchoices.com/adchoices

//The Wire//2300Z November 12, 2025////ROUTINE////BLUF: FORD CARRIER STRIKE GROUP ARRIVES IN CARIBBEAN. APPLE ROLLS OUT DIGITAL ID. JOBS REPORT FOR OCTOBER NOT PUBLISHED DUE TO GOVERNMENT SHUTDOWN.// -----BEGIN TEARLINE------International Events-Caribbean: Overnight the USS GERALD FORD (CVN-78) arrived in the SOUTHCOM area of responsibility, and is expected to be in position to carry out operations in theatre within a couple of days.Analyst Comment: Venezuela continues wartime preparations, same as before, with various internal militia and homeland defensive efforts being publicized over the past few weeks. Most of these efforts appear to mostly be just for show, but preparations continue all around nonetheless.-HomeFront-Washington D.C. - This afternoon the White House stated that a handful of financial reports for the month of October might not be released due to the government shutdown. Press Secretary Leavitt stated that the Consumer Price Index (CPI) report and various other jobs reports might not ever be released for last month, due to federal employees not being on the job to gather the data at the time in which it was most valuable (the data needed to make the jobs reports accurate must be gathered in real time throughout the month, and not in retrospect).Analyst Comment: At a time where the White House is facing increased scrutiny, this isn't a great omen since this is extremely important financial data to consider on the general state of the economy. Economic indicators are also a data point to consider even in the world of national defense, to set conditions and expectations on the homefront before a military campaign, for instance. Now, right at the crux of major economic concerns, the data simply isn't available because federal workers stopped doing their jobs during the shutdown. The data probably does exist, but by the time it's compiled and released it will be stale, and we'll be on to the next crisis.USA: This morning Apple announced the release of a Digital ID product, intended to digitize identification documents such as American passport data. The plan involves partnering with the Transportation Security Administration to integrate Digital ID efforts into air travel around the United States.-----END TEARLINE-----Analyst Comments: Apple's efforts are not to create a universal new identification scheme, but rather to digitize identity documents that already exist. TSA in particular has already had their own varying levels of subscription-based identity-check procedures for a while now, so in the grand scheme of things this has been coming for a long time. Of course, any Digital ID effort requires universal acceptance to work. It is not the ability to save an ID on one's phone that is new...it's the widespread adoption in such a short period of time that is the more concerning detail. This, coupled with the note that this is set up within the Apple Wallet ecosystem, has caused even more eyebrow-raising since it's not a huge jump to speculate that this ID scheme will be linked to finances at some point.In this case, Apple announced that this plan is already streamlined to work with TSA for air travel at over 250 airports around the nation. This plan was announced about two weeks ago, so in just that time, we've gone from announcement to implementation to full integration with TSA in ways that haven't really been done before. Individual states are also partnering with Apple to integrate their Driver's Licenses into the app, and 12x states/territories have done so already. As such data security concerns have abounded...while Americans have been watching the developments of a Digital ID system being implemented in the United Kingdom, a very similar system was being worked on here at home. But because it's a private company digitizing already-existing documents, less attention has been placed o

Everyone has been raving and giving full credit to Mike Vrabel for the culture he has established and in thinking of how Bill Belichick ran his locker room, players not walking on eggshells and being promoted by their coach is a nice look. Then, Doug Kyed from The Boston Herald joins the show and shares his thoughts on the Patriots including what workload Treyveon Henderson will have this Thursday and the one player who deserves more love. And, there is caution that Craig Breslow won't make big moves this offseason, but he did last offseason and its not the trade deadline.

In this 2026 Outlook discussion, our experts across High Yield, CLOs, Investment Grade and EM Debt cover:- Where they see value (against a backdrop of historically tight spreads)- How megatrends like AI proliferation are creating opportunities (and risks)- Their personal “bold predictions” for the year aheadPanelists:Brian Pacheco – Global High YieldAdrienne Butler – Global CLOsCharles Sanford – Investment Grade CreditCem Karacadag – Sovereign Debt & CurrenciesEpisode Segments:(01:01) – 3 macro trends shaping the landscape for fixed income (03:50) – The case for staying invested in high yield in 2026(07:09 – Potential risks to high yield(13:35) – Megatrends shaping the high yield landscape(15:10) – Brian's bold prediction on high yield(17:09) – Why CLOs are at the center of credit market innovation(21:51) – Who is investing in CLOs and how that's changing (26:08) – How lower rates may impact CLOs (28:32) – The ebb and flow of broadly syndicated loans vs private credit(29:56) – Adrienne's bold prediction for 2026(31:49) – Is Microsoft paper higher quality than the US government?(35:22) – Risks of AI capex to investment grade companies(39:17) – Opportunities in less-trafficked areas of IG(41:28) – Sizing up the opportunity in IG credit in 2026(43:40) – Charles' bold prediction of IG credit for 2026(45:49) – Analyzing value in EM debt and currency markets(49:06) – EM spreads are tight… so what?(51:20) – Two value opportunities in EM(53:57) – Cem's bold prediction for EM for 2026Make sure to follow our LinkedIn newsletter, Where Credit is Due to stay up-to-date on our latest public & private credit market insights. IMPORTANT INFORMATIONAny forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses. Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”).NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy.Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the informationAny service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction.Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent.25-4957534

In this episode of "Leaders Transform," we dive into Chapter Five of our book, "Orchestrating High-Performing Teams," focusing on the crucial theme of motivating the ensemble by tuning into individual skills and purpose. We explore how great teams thrive when each member plays to their strengths, much like a conductor harmonizes the unique tones of various instruments in an orchestra. We discuss the importance of aligning individual skills and passions with the team's shared mission, which leads to increased engagement, enhanced collaboration, and higher performance. When team members are in roles that suit their abilities, they feel valued and empowered, resulting in a more cohesive and effective team. Conversely, misalignment can lead to frustration and burnout, highlighting the leader's role in orchestrating a team where each person's skills complement one another. To help leaders motivate their teams, we introduce a five-step skill alignment framework: conducting a skills inventory, delegating strategically, ensuring role clarity, establishing recognition rituals, and providing continuous coaching. We also address common barriers to skill alignment, such as biases toward uniformity and fears of gaps, offering solutions to overcome these challenges. Throughout the episode, we share practical tools and exercises, including creating a team skills map and hosting a purpose alignment workshop, to help leaders connect individual contributions to the team's mission. We emphasize that motivation is an ongoing process, requiring regular check-ins and recognition to sustain engagement. As we wrap up, we preview the next chapter, which will focus on handling team challenges and turning discord into alignment, reinforcing the idea that motivated teams are resilient and capable of navigating conflicts constructively. Join us as we continue to explore the art of transformational leadership! Based on "Leaders Transform: Mastering the Art of Influence, Book 2: Orchestrating High-Performing Teams” by Hugh Ballou Hugh Ballou is The Transformational Leadership Strategist, author, and founder of SynerVision International, Inc. and SynerVision Leadership Foundation. He empowers leaders across sectors to transform vision into high-performing results. Article is based on my new series, “Leaders Transform: Mastering the Art of Influence” - http://LeadersTransform.info   For a list of resources go to – http://AboutHugh.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when people raised in "we" cultures step into workplaces built for "I"?In this episode, I welcome author, speaker, and workplace culture expert Neelu Kaur to explore how cultural values, especially around collectivism and individualism, shape how we show up at work.Together, we unpack the silent struggles many face when moving between different cultural mindsets:▪️ Why self-advocacy can feel uncomfortable for those from collective cultures▪️ What leaders can do to create space for quieter voices▪️ The personal cost of code-switching between "we" and "I"▪️ Practical ways to develop your self-advocacy muscle — without selling out your valuesWhether you identify with a collective upbringing, work with people who do, or want to lead with more cultural awareness, this episode will help you build deeper empathy, stronger teams, and a more inclusive work culture.

In part two of the fasting series, Simon and Dr. Jules Strauss dive deep into the different types of fasting protocols available today. From time-restricted eating to extreme approaches with catchy names, they explore what the science actually supports versus what's simply clever marketing designed to sell products. Jules walks through the continuum of fasting approaches and importantly discusses who should avoid fasting altogether, drawing on her expertise in female-specific nutrition and eating disorder awareness. Key Points Discussed: Time-restricted eating (TRE): The most common and manageable approach, typically 16:8 or 14:10 windows, with early eating windows showing slightly greater benefits for insulin sensitivity. Intermittent fasting (5:2 approach): Five normal eating days with two very low-calorie days, and why this can be challenging for endurance athletes to manage around training. Red flag approaches to avoid: The "Warrior Diet," "Lean Gains," and other extreme protocols with fancy names that often promote disordered eating behaviour's. Who should avoid fasting: Anyone with a history of disordered eating, youth athletes, pregnant/lactating women, older athletes with higher protein needs, and those with recurrent injuries. The reality check on benefits: Fasting doesn't provide superior results compared to traditional calorie restriction - it's simply another tool that works for some people. Individual considerations: How training schedule, lifestyle, and personal circumstances should guide whether fasting is appropriate. Key Quotation: "I think it's important to recognise and acknowledge that, on the face of it, that is the time restricted eating approach. But when we kind of layer on all these additional kind of rules and restrictions, that's the point at which this becomes incredibly challenging for anyone to really implement... and actually lean more towards promoting and supporting people to engage with more kind of disordered eating behaviour's." Dr. Jules Strauss   Connect with Dr. Jules Strauss: Website: totalendurancenutrition.com Instagram: @drjulesstrauss_nutritionist **If you are training for endurance sport and tempted by fasting please check out this research first: Fuel for the work required   Join the SWAT Inner Circle   The SWAT Inner Circle is now open. It is the community for athletes and adventurers over 50 who want to train smart, live well, and extend their health span.  You can join today CLICK HERE TO START YOUR MISSION   Check out my Instagram  and YouTube  channel   Join the Unstuck Collective – for Beth's weekly inspiration and coaching insights (not a chat group; replies welcome via DM). Download Simon's Free ‘Battle Ready Lifestyle' Infographic - https://simon-ward.kit.com/battlereadylifestyle Website: www.simonward.co.uk Email: Simon@thetriathloncoach.com Sign up for Simon's weekly newsletter Sign up for Beth's weekly newsletter  

On this episode of Coaching Call, Sifu Rafael welcomes Kirk McCarley, The Seed Sower Coach. With more than 30 years of executive leadership experience across public and private sectors, Kirk has a proven reputation for cultivating growth that exceeds expectations. Enthusiastic yet contemplative, determined yet relaxed, his coaching helps clients elevate self-confidence and realize their full God-given potential.A graduate of the University of North Texas, Kirk is a Certified and Accredited Professional Coach, a Professional in Human Resources (PHR), and SHRM-CP Certified. He also serves as a Production Assistant with ESPN for college football and basketball, and leads group cycling classes as a Certified Spinning Instructor. Married to his wife Cindy for 43 years, Kirk is a proud father and grandfather who makes his home in Florida with rescue dog, Ivy.Sifu Rafael is a master instructor, professional speaker, and the founder of Speaking Prowess, Sifu's Mind Body Method, and the NYC Mastermind Experience, where he combines expertise in communication and leadership to help individuals unlock their full potential. As a solutions expert and executive coach, he guides clients with clarity, purpose, and strategic insight. His mission is to make effective communication accessible to all, empowering personal and professional growth. Learn more about Sifu's Mind Body Method at www.sifurafael.com/smbm.This episode is brought to you by Sifu's Mind Body Method, a 90-day lifestyle transformation blending movement, mindset, nutrition, hydration, fasting, journaling, and faith. Learn more at www.sifurafael.com/smbmWatch on Facebook, LinkedIn, X, and YouTube. Subscribe at https://www.youtube.com/@sifurafaeltv?sub_confirmation=1

What if the real healing from cancer isn't solely focused on making the tumor disappear, but transforming the person carrying it?When therapist Geneva Jacobs learned she had cancer, she remembered watching her mother go through chemotherapy, radiation, and surgeries at the same age. She knew she'd take a different path. That decision led her to a 29-day water fast that changed everything about who she is. Dr. Katie Deming guides you through Geneva's story of profound transformation, where morning energy replaced exhaustion, introversion shifted to connection, and paralyzing fear dissolved into peace.Chapters:02:08 – Why she refused chemo after her diagnosis04:15 – From night owl to morning person overnight07:26 – Fear drops away and calm returns11:40 – The refeeding epiphany hits hard14:58 – The hawk appears at the perfect moment20:24 – Why connection during fasting changes everything28:43 – Dropping below the waves of emotion33:47 – Her tumor stayed and she's grateful for it35:20 – Mitophagy, what fasting really does44:30 – Integration matters more than the fast itselfYou'll hear how Geneva's fast brought unexpected changes she never saw coming like experiencing a spiritual awakening that revealed the perfection in her journey.  Discover why Geneva calls it the most powerful healing experience of her life. Dr. Katie explains why these shifts matter just as much as what happens to the tumor, diving into the science of mitochondrial healing and why fixing your cellular energy might be the key to everything.This conversation challenges everything you think you know about successful cancer treatment.  If you've ever felt confused about what "healing" really means, or worried that you're not doing enough, this conversation offers a completely different lens for understanding your journey.Listen and learn why the most profound healing often happens in ways you can't see on a scan, and how giving your body a chance to reset at the cellular level might unlock the vibrant life you'veAccess the FREE Water Fasting Masterclass Now: https://www.katiedeming.com/the-healing-power-of-fasting/ Transform your hydration with the system that delivers filtered, mineralized, and structured water all in one. Spring Aqua System: https://springaqua.info/drkatieMORE FROM KATIE DEMING M.D. Work with Dr. Katie: www.katiedeming.com 6 Pillars of Healing Cancer Workshop Series - Click Here to Enroll Follow Dr. Katie Deming on Instagram: https://www.instagram.com/katiedemingmd/ Email: INFO@KATIEDEMING.COM Please Support the Show Share this episode with a friend or family member Give a Review on Spotify Give a Review on Apple Podcast Watch on Youtube: https://youtube.com/playlist?list=PL5LplU70TE9i01tW_7Tozi8b6X6rGBKA2&si=ZXLy5PjM7daD6AV5 DISCLAIMER: The Born to Heal Podcast is intended for informational purposes only and is not a substitute for seeking professional medical advice, diagnosis, or treatment. Individual medical histories are unique; therefore, this episode should not be used to diagnose, treat, cure, or prevent any disease without consulting your healthcare provider.

Matt Bissonnette is a former United States Navy SEAL known for his participation in the 2011 raid that killed Osama bin Laden, as detailed in his bestselling book No Easy Day: The Firsthand Account of the Mission That Killed Osama bin Laden (2012), written under the pen name Mark Owen. A DEVGRU (SEAL Team Six) operator, Bissonnette served multiple combat deployments and was one of the SEALs who entered bin Laden's compound in Abbottabad, Pakistan. The book, which became a New York Times bestseller, sparked controversy for not being cleared by the Pentagon, leading to a 2016 settlement where Bissonnette agreed to forfeit royalties and speaking fees. He has since advised on the CBS series SEAL Team (2017–present) and maintains a low public profile. Shawn Ryan Show Sponsors: Buy PSYOP Now - https://psyopshow.com Preorder Now - https://callofduty.com https://americanfinancing.net/srs NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781-8900, for details about credit costs and terms. https://tryarmra.com/srs https://aura.com/srs https://betterhelp.com/srs This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://bunkr.life – USE CODE SRS Go to https://bunkr.life/SRS and use code “SRS” to get 25% off your family plan. https://shawnlikesgold.com https://hillsdale.edu/srs https://ketone.com/srs Visit https://ketone.com/srs for 30% OFF your subscription order. https://mypatriotsupply.com/srs https://patriotmobile.com/srs https://prizepicks.onelink.me/lmeo/srs https://ROKA.com – USE CODE SRS https://tractorsupply.com/hometownheroes https://ziprecruiter.com/srs https://gemini.com/srs Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This episode is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Matt Bissonnette Links: YouTube - https://www.youtube.com/@mattbissonnetteofficial Website - https://mattbissonnette.com IG - https://www.instagram.com/mattbissonnetteofficial IMDb (for SEAL Team) - https://www.imdb.com/title/tt6473344/fullcredits Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of The PDB Afternoon Bulletin:  First—U.S. and Israeli officials say they've foiled an Iranian plot to assassinate Israel's ambassador to Mexico. It's just the latest episode in Iran's shadow war on the west, one that now stretches across the globe. Later in the show—The Kremlin's war machine is running low on soldiers — and now it's looking to Africa to fill the gaps. We'll examine reports that more than a thousand African fighters are on the frontlines in Ukraine, and what it says about Russia's growing desperation. To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting ⁠PDBPremium.com⁠. Please remember to subscribe if you enjoyed this episode of The President's Daily Brief. YouTube: ⁠youtube.com/@presidentsdailybrief⁠ Rugiet: Ready to give Rugiet a try? Get 15% off your first order by going tohttp://rugiet.com/PDB and using code PDB. Rugiet prescriptions are compounded medications, available only if prescribed following an online consultation with a licensed clinician. Compounded drugs can be prescribed by federal law, but are not FDA-approved and have not been reviewed by the FDA for safety, effectiveness, or manufacturing. Individual results may vary. Full safety information available at Rugiet.com. Birch Gold: Text PDB to 989898 and get your free info kit on gold Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The President's Daily Brief:    First—a UK intelligence report is detailing the staggering losses Russia's military has suffered in Ukraine, putting the number of casualties at more than 1.1 million. But Putin's bloody war of attrition continues, as his forces move closer to capturing the battered city of Pokrovsk. Later in the show—In a major test of the Gaza ceasefire deal, the Trump administration is reportedly pressuring Israel to allow safe passage for up to 200 Hamas operatives currently holed up in a vast tunnel network, provided the terrorists pledge to disarm.  Plus—we're learning more about the ISIS-inspired terror ring behind a foiled plot in Michigan, as authorities bust two more suspects who were allegedly plotting a Boston bombing-style attack. In our 'Back of the Brief'—For the first time in 18 months, Somali pirates have successfully boarded a commercial ship, reviving fears of a return to hijackings in one of the world's most vital maritime trade routes. Rugiet: Ready to give Rugiet a try? Get 15% off your first order by going tohttp://rugiet.com/PDB and using code PDB. Rugiet prescriptions are compounded medications, available only if prescribed following an online consultation with a licensed clinician. Compounded drugs can be prescribed by federal law, but are not FDA-approved and have not been reviewed by the FDA for safety, effectiveness, or manufacturing. Individual results may vary. Full safety information available at Rugiet.com. Birch Gold: Text PDB to 989898 and get your free info kit on gold To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting PDBPremium.com.Please remember to subscribe if you enjoyed this episode of The President's Daily Brief.  YouTube: youtube.com/@presidentsdailybrief Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The President's Daily Brief:    First—Syria's new president, once part of a jihadist insurgency, is set to meet President Trump at the White House on Monday. We'll break down what's at stake for U.S. policy, and why the administration is pushing both Congress and the UN to repeal heavy sanctions ahead of the meeting. Later in the show—South Korean intelligence has assessed that a summit between President Trump and North Korean dictator Kim Jong Un will likely take place next year, saying the hermit kingdom is already preparing behind the scenes for a dialogue. Plus—Russian strongman Vladimir Putin orders top officials to prepare plans to resume nuclear testing, a response to President Trump's recent announcement that the U.S. will soon begin nuclear testing for the first time in more than 30 years. In our 'Back of the Brief'—Ukraine's drone pilots are reportedly engaged in video-game-style kill-tracking, earning rewards for each successful strike on Russian forces. We'll break down this incentive-based system, and how it has fueled Ukraine's intensifying drone campaign. American Financing: Call American Financing today to find out how customers are saving an avg of $800/mo. NMLS 182334, https://nmlsconsumeraccess.org . APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-885-1881 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/PDB Birch Gold: Text PDB to 989898 and get your free info kit on gold Rugiet: Ready to give Rugiet a try? Get 15% off your first order by going tohttp://rugiet.com/PDB and using code PDB. Rugiet prescriptions are compounded medications, available only if prescribed following an online consultation with a licensed clinician. Compounded drugs can be prescribed by federal law, but are not FDA-approved and have not been reviewed by the FDA for safety, effectiveness, or manufacturing. Individual results may vary. Full safety information available at Rugiet.com. To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting PDBPremium.com.Please remember to subscribe if you enjoyed this episode of The President's Daily Brief.  YouTube: youtube.com/@presidentsdailybrief Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The PDB Afternoon Bulletin:  First—The deputy chairman of Russia's parliamentary defense committee claims the Kremlin has sent advanced air defense systems to the Maduro regime, while floating the possibility of also sending cruise and hypersonic missiles to Venezuela. Later in the show—Ukraine's intensifying drone campaign against Russian energy continues. Kyiv says Ukrainian drones struck a major oil refinery in Russia's Volgograd region for the second time in almost three month, while a separate strike set ablaze a major power plant deep in Russia's northeast. To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting ⁠PDBPremium.com⁠. Please remember to subscribe if you enjoyed this episode of The President's Daily Brief. YouTube: ⁠youtube.com/@presidentsdailybrief⁠ American Financing: Call American Financing today to find out how customers are saving an avg of $800/mo. NMLS 182334, https://nmlsconsumeraccess.org . APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-885-1881 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/PDB Birch Gold: Text PDB to 989898 and get your free info kit on gold Rugiet: Ready to give Rugiet a try? Get 15% off your first order by going tohttp://rugiet.com/PDB and using code PDB. Rugiet prescriptions are compounded medications, available only if prescribed following an online consultation with a licensed clinician. Compounded drugs can be prescribed by federal law, but are not FDA-approved and have not been reviewed by the FDA for safety, effectiveness, or manufacturing. Individual results may vary. Full safety information available at Rugiet.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Live from Porto: Philosophy—As a Weapon for Success With Yaron Brook, Tim Vieira, and Mário Amorim Lopes