Podcasts about Individual

Your real estate calendar already tells a story about what you're likely to earn months from now. The problem is that most agents are busy running today's transactions without knowing exactly what tomorrow's business needs to produce. In this episode, Tim and Julie Harris break down the Real Plan, a comprehensive business and life planning process that works backward from the life you want to the real estate production required to support it. You'll learn how to determine your actual personal and business overhead, separate required expenses from optional spending, account for taxes and brokerage costs, calculate the income your business truly needs to produce, and translate that number into an annual transaction goal. Tim and Julie also explain why many agents discover they need to sell fewer homes than they originally assumed, why comparing your production to another agent's numbers is meaningless, and how turning your annual transaction requirement into an active-listing target can give your real estate business more leverage and predictability. You'll also hear why your business should serve your personal goals instead of consuming your entire life, why making money doesn't need to be your passion for real estate to be worthwhile, and why now is the time to start creating your plan for 2027. The episode also explains how the Real Plan fits inside Premier Coaching and why knowing your actual numbers should come before creating another generic sales goal. Free training: HarrisRealEstateDaily.comCoaching: PremierCoaching.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.Income results are not typical. Individual results will vary.

BONUS: When the Team Becomes the Operating System for AI — Marko Taipale on the Twin Project at Solita Most teams trying to "use AI" end up with fast individuals and a slower system. Marko Taipale ran a two-year experiment at Solita that suggests the real bottleneck isn't the tool — it's the team's operating model. In this conversation, Vasco and Marko walk through the Twin Project with ISS Finland — two teams, same ERP pricing tool, one classical agile, one with generative AI in the room — and the lessons that became the CollabAI framework. The Twin Project — Two Teams, Same Product, One With AI in the Room "We had a luxury of: do whatever you want with AI, please get at least the same results, towards the same goal."   In 2024, Marko's team at Solita was set up as the counterpart to an existing Scrum team building an ERP pricing tool for ISS Finland. Same product mission, two different operating models. The first days were chaotic and exploratory — the team tried over 120 AI tools, built a custom GPT to act as a stand-in product owner, and even sent a virtual assistant to sit silently in the other team's meetings so nobody from Marko's team had to attend. The framework grew out of what kept working, not from a plan written upfront. "Fast Individuals, Slow System" — Why Buying Licenses Doesn't Fix the Bottleneck "If you don't change your structures, AI won't do anything faster. The only thing that gets faster is the queues between your decision-making gates."   The line from Marko's book lands hard once you have seen it inside a team. A Copilot license speeds up the individual — and then the individual sits and waits for the rest of the system: reviews, handoffs, refinement, stakeholder meetings. Those queues are exactly what AI accelerates, and the team feels even more frustrated than before. The real intervention is upstream, in how the team shares context and makes decisions together. Without that, AI just makes the existing inefficiency more obvious. Drifting in the Solution Space — Why Sense-Making Has to Happen Together "None of the real problems are so simple that a single person can solve them. If it's that simple, you should automate it."   The early Twin Project team kept seeing what Marko calls drifting — small interpretive mistakes at the start of a task that twisted the solution into something unrecognisable later. Each person was reading the same docs and the same proxy-PO conversations, and each was leaving with a slightly different picture. Individual interpretation was not enough. They moved from individuals to pairs, then to whole-team sense-making sessions. The shared context only became useful when the team processed it together — and that processing turned out to be where the learning compounded. Never Leave the Daily — When Mob Programming Becomes the Operating System "This is happening so fast, we shouldn't actually leave the daily."   The team started with vanilla Scrum, extended dailies, then ran multiple per day, then realised that the meeting was the work. They drifted into mob programming without naming it — a shared virtual machine where one person controlled the screen at a time, switching every few minutes. The agile labels came later, when someone read Mob Programming by Woody Zuill (see his earlier episodes on the Scrum Master Toolbox Podcast) and saw the team's own behaviour reflected back. The takeaway: when the pace of decisions exceeds the cadence of meetings, the team has to live inside the conversation, not visit it once a day. The 40-Prototypes Moment — When the Customer Joined the Mob "You waited 37 hours to get to this point where we get feedback."   This was the turning point. Marko had built 40 different prototypes of the pricing tool in one hour, then walked into a weekly review where the customer pointed out the obvious: if the prototypes took one hour to make, the team had been waiting 37 hours to get the feedback that actually mattered. From that moment the client became part of the mob. New product directions started landing every five to seven minutes. The backlog quietly disappeared — issue management stayed, but for the AI's context, not for humans. When the product owner is in the room all day, the storage-and-handover layer stops earning its keep. The Regulation Layer — Why Sustainable Pace Gets Sharper, Not Softer, With AI "AI is a machine. It won't stop. That's why we need a regulation layer — and we have to regulate together, not individually."   What broke first in the Twin Project was not the technology — it was the people. Cognitive load and the brain's hunger for clarity become the new constraint once decisions are flying every few minutes. The old Scrum idea of sustainable pace gets a second life here, but it has to be a shared pace, set by the team, not an individual one. Engagement is the early warning signal — when people start disengaging, the system is already over its capacity. For Scrum Masters and coaches, this is where the work moves: watching the team's energy curve, not just its throughput. The Agentic Horizon — From Teammates to Agents Acting on the Team's Behalf "AI is a new player in this field. The next conversation is governance — and it has to start now."   CollabAI was about humans and AI on one screen. The next move — what Marko is now building at Agion — is agents acting on the team's behalf. The governance shape is not optional, and it is the conversation Scrum Masters and coaches need to start having before agentic systems are everywhere on the team. Marko's article series on Agion (the brain fry posts) is the public record of what they are learning as they build the governance layer for autonomous agents. About Marko Taipale Marko Taipale is the author of CollabAI: AI Teamwork In Practice (foreword by Joe Justice) and currently works at Agion Inc. At Solita, he co-led the Twin Project with ISS — two teams building the same ERP pricing tool, one with classical agile, one with generative AI embedded end-to-end — and turned what they learned into a framework for teams that want AI as a synchronous teammate, not a faster individual tool. CollabAI book · Leanpub · LinkedIn   You can link with Marko Taipale on LinkedIn.

The boys are BACK for another live stream, this time predicting the entire NFL season from Super Bowl Champions to MVP to Offensive Rookie of the Year to the biggest flops.Plus, Gutsy Calls are back for another year.TIMESTAMPS:00:00 Intro 11:20 Curt's Classifieds 16:30 Group Chat Gauntlet28:33 Individual predictions01:07:12 Gutsy Calls01:16:00 Team Predictions 01:25:30 WATCH THIS BIT: Curt Cries 01:27:30 Super Bowl prediction 01:30:00 Hally does WHAT at Curt's house?!01:32:20 Stats predictions01:44:44 Joke of the WeekThe Outback Quarterback Podcast is a Muscle Cat Media Production.See all Muscle Cat Media shows at musclecat.com.au.Hosted by Curtis Deboy, Mat Maidment and Chris Hall. Produced by James Womack. Arizona Cardinals, Atlanta Falcons, Baltimore Ravens, Buffalo Bills, Carolina Panthers, Chicago Bears, Cincinnati Bengals, Cleveland Browns, Dallas Cowboys, Denver Broncos, Detroit Lions, Green Bay Packers, Houston Texans, Indianapolis Colts, Jacksonville Jaguars, Kansas City Chiefs, Las Vegas Raiders, Los Angeles Chargers, Los Angeles Rams, Miami Dolphins, Minnesota Vikings, New England Patriots, New Orleans Saints, New York Giants, New York Jets, Philadelphia Eagles, Pittsburgh Steelers, San Francisco 49ers, Seattle Seahawks, Tampa Bay Buccaneers, Tennessee Titans, Washington Commanders#nfl #rams #49ers #chiefs #jets #packers #patsnation

Builders have homes they need to sell. Real estate agents need transactions. The agents who connect those two problems may have one of the most overlooked opportunities in today's market. Tim and Julie Harris break down what's happening with new-construction inventory, including aggressive mortgage rate buydowns, closing-cost assistance, flex incentives and agent compensation being offered on select homes. But this episode isn't simply about selling new construction. You'll learn why monthly payment often matters more to buyers than purchase price, how resale sellers can compete with builder incentives, why agents need relationships with builder representatives, how old buyer leads may become opportunities again, and how one builder relationship can create buyer transactions, spec-home opportunities and resale seller referrals. Tim and Julie also explain why new construction should be included in your buyer presentation, how agents can find inventory outside the MLS, and how AI can help continuously research properties and opportunities for active buyers. Builders need buyers. Your job is to know the inventory, understand the incentives and become the agent who can connect the two. Free training: HarrisRealEstateDaily.comCoaching: PremierCoaching.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.Income results are not typical. Individual results will vary.

Two moms share what helped their daughters bounce back after a mistake.

After yesterday's tech sell-off sparked by rising oil and yields after fresh U.S. strikes on Iran, investors digest results from Dell and Palo Alto Networks and await Broadcom. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0130-0926) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sigmar Berg is an Austrian-born architect, photographer, artist, and former fashion designer whose life changed drastically after a single guided breathwork session. In the session, the teacher used 528Hz, a tone known as the "love frequency".  Sigmar has since created a small flute-like device you wear and breathe through so the exhale becomes one note that plays 528hz. He wrote a book, founded a California nonprofit working with schools and veterans, and now brings his mission of love and healing to The Junkyard Love Podcast community. This long-form spiritual podcast conversation moves through breathwork and nervous system regulation, living from the heart instead of the intellect, morning and night practices to ease anxiety, 528 Hz and the older musical scales around it, heart coherence, authenticity, intuition, and why he thinks the path works better when you keep it... light. A fascinating chat with unorthodox teacher Sigmar Berg.Check out more of his work here:Lovetuner: https://www.lovetuner.comInstagram: https://www.instagram.com/lovetuner528hz/Facebook: https://www.facebook.com/LOVETUNERMALIBU/YouTube: https://www.youtube.com/@Lovetuner528hzLinkedIn: https://www.linkedin.com/in/sigmar-b-310114b/Book (One Journey): https://www.amazon.com/One-Journey-Lovetuner-Sigmar-Berg/dp/1960583743CHAPTERS 00:00 Welcome to The Junkyard Love Podcast with guest Sigmar Berg00:42 Who is Sigmar Berg and what is the Lovetuner breathwork device01:51 The Aqua Journey guided meditation that started his spiritual awakening04:10 From architecture and fashion design to a 528 Hz love frequency tool07:32 Living from the head vs living from the heart09:20 Heart coherence, thoughts per day, and spiritual hygiene11:20 Breathwork for beginners: why a slow exhale regulates the nervous system13:05 Fight or flight, yoga nidra, and breathing like you are blowing through a straw16:57 Morning breathwork practice vs using tools only in an emergency18:40 Setting the tone of the day20:15 Night practice, cortisol, sleep, and waking at 2am22:32 Choosing what you start the morning on24:55 What is 528 Hz? Solfeggio frequencies and the love frequency26:40 Nature, bees, chlorophyll, and how 528 Hz shows up in the living world28:55 Concert pitch at 440 Hz and the forgotten note31:20 Sound healing, church organs, and older musical scales33:11 Music, group coherence, dancing, and raising frequency together34:41 Authenticity in spiritual practice37:00 Individual breathwork and collective spiritual awakening40:13 Schumann resonance and a rising planetary frequency42:30 Trust your intuition and your own channel45:55 Keep spiritual practice light47:20 One Journey the book and where to find Lovetuner50:28 Subscribe to The Junkyard Love Podcast - find clips from the show @jacobfromtheinternetQUOTES (from Sigmar during our conversation) "This frequency triggers something in you that takes it out of your head, into your heart.""Hearts are always curious. What literally separates us is our intellect.""It's kind of cheating because it's a shortcut to meditation.""You're setting the tone of the day.""The most important thing is to slow down the exhale.""Authenticity is actually the key to wholeness.""If you look on the outside, you become a dreamer. If you go inside, you awaken.""Breath is basically your best friend.""Keep it light. Don't take it too serious.""Trust in yourself. This is your channel to the divine."TAGSJunkyard Love Podcast, long form spiritual podcast, breathwork podcast, spiritual awakening, unorthodox teachers, Sigmar Berg, Lovetuner, 528 Hz, solfeggio frequencies, heart coherence, nervous system regulation, meditation for beginners, living from the heart, authenticity

After the week began with oil surging on new violence in the Middle East and yields up, investors await July job openings data and earnings later from Dell and Palo Alto Networks. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0130-0926) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most leadership advice assumes people are fixed and organizations are machines. We don't buy that. People change, teams adapt, and every interaction leaves a trace, which is why we're using a garden metaphor to tie together the biggest lessons from Antoniette Roze, Ron Friedman, and Frans Campher. When leadership is a living ecosystem, your job is not to “control the machine,” it's to tend the conditions where trust, clarity, and good work can grow.We start with communication as planting: the difference between having an idea and helping someone receive it. If you've ever explained something “clearly” and still met confusion or resistance, the problem may be soil, not seed. We dig into generative listening, how people interpret messages through history and emotion, and how real co-creation happens when input can actually shape outcomes.Then we zoom out to team performance and team productivity. Individual optimization does not guarantee collective performance, especially when focus time becomes someone else's bottleneck. We walk through what a high-performing team needs: shared goals people understand, role clarity that prevents waiting, and interdependence that matches how work really flows. Along the way, we bring in behavioral humility (with a nod to Robert Sapolsky) to replace snap character judgments with curiosity and smarter accountability.Finally, we go inward. Leadership masks, persona, authenticity, and shadow show up in the room whether we admit it or not. You'll leave with five questions to use before your next important conversation and a simple one-week experiment to run in a single team or meeting. Subscribe, share this with a leader who needs it, and leave a review so more people can find the show.Send us Fan MailSupport the show✅ Follow The Leadership Project on your favourite podcast platform and listen to a new episode every week!

Mount Carmel's Brady Cloherty, Loyola's Matthew Lee, St. Rita's Brandon Johnson Jr., Joliet Catholic's Derrick Pomatto and Fenwick's Jake Thies are just some of the notable performers from CCL teams during Week 2 of the IHSA football season.Become a supporter of this podcast: https://www.spreaker.com/podcast/friday-night-drive--3534096/support.

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To celebrate 250 episodes of Secondary Science Simplified, I'm answering listener questions covering everything from coworker relationships and classroom organization to block schedules and student connections. I'm sharing practical strategies for balancing direct instruction and inquiry, navigating scripted curriculum, managing a season when you don't have the time or energy to do everything, and integrating faith into a science classroom.➡️ Show Notes: https://itsnotrocketscienceclassroom.com/episode250Resources Mentioned:FREEBIE: Anatomy of a Class Period (never lecture more than 15 min!): Individual lab supplies in shoebox lids (12 for $28)AP Science Teacher PlaylistGrading Playlist Curriculum Design 101 Starts Here! (Episode 80) Christianity and Evolution blog postDownload your FREE Classroom Reset Challenge.Take the Free Labs When Limited virtual PD courseSend me a DM on Instagram: @its.not.rocket.scienceSend me an email: rebecca@itsnotrocketscienceclassroom.com  Follow, rate, and review on Apple Podcasts.Follow, rate, and comment on Spotify.Related Episodes and Blog Posts:Episode 71, “I'm the Problem, It's Me”: Working with Difficult Coworkers and Admin with Guest Zach MatsonEpisode 149, Teaching on a Block Schedule - Why It's Not as Bad as You ThinkEpisode 246, Grouping and Engaging Students with Popsicle Sticks

Fed Chairman Kevin Warsh left the market anxious Friday about possible rate hikes, with odds for a September hike up sharply. Jobs data this week could help shape the decision.Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you could design the perfect fire station from scratch, what would it look like?This week on The Cool Fireman Podcast, Matt, Brian, and Adam are designing their dream firehouse—and quickly realize there's a lot more to fire station design than apparatus bays and a kitchen table.Should administrative offices be separated from firefighter living quarters? Should every shift have its own refrigerator? Individual bunk rooms or good old-fashioned gen pop? How many bathrooms does a firehouse actually need? And perhaps the most important question of the episode: Is it acceptable to destroy the bathroom right before the crew brushes their teeth?Yeah…we went there.The guys also talk about designing modern fire stations for firefighter health, privacy, staffing, decontamination, female firefighters, hurricane upstaffing, turnout times, fitness rooms, kitchens, bathrooms, bunk rooms, and the traditions that make a firehouse feel like a firehouse.We also highlight Paddling for Pennies, answer listener questions about firefighter interviews and getting hired, and revisit the conversation with Tonya Herbert about PAH exposure and firefighter cancer prevention—including why the engineer operating the pump may be exposed to more contaminants than many firefighters realize.Some traditions are worth protecting. Others might be worth leaving in the 1970s.What would YOUR perfect fire station have?Join the conversation and follow The Cool Fireman Podcast wherever you listen.

Is it harder to manage an employee who has no equity or someone who's a millionaire on paper? Atish Davda, co-founder and CEO of EquityZen, reveals his takes on tough leadership questions—including navigating equity compensation, his most difficult people decisions and the most memorable thing someone has done with their liquidity from selling their private stock shares on EquityZen. This is Invested at Work: Off the Cuff, rapid-fire questions and candid answers to meet the leader behind the title.To hear the full story of how Atish is enabling private companies and employees to sell stocks pre-IPO, and the impacts on risk and retention, check out his full interview with host Rodney Bolden, available right now in your feed. For more conversations on the future of workplace financial benefits, make sure to follow or subscribe to Invested at Work. Share this episode with a colleague, and visit us at morganstanley.com/atwork to unlock the power of your organization's benefits.Visit EquityZen for curated private market investment opportunities, data, and expert insights. Invested at Work is brought to you by Morgan Stanley at Work, hosted by Rodney Bolden. Our executive producers are Fiona Kelsey and Lisa Boyce, and our associate producer is Ive Jones. Our production partner is Sequel Media Inc. #investedatworkpodcast #employeebenefits #workplacebenefits #sharemorganstanley Disclosures:This material is for educational and informational purposes only and is not an offer, solicitation or recommendation to buy or sell any security, financial instrument, product or service.Podcast participants' views are their own and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, Morgan Stanley at Work or their affiliates. Morgan Stanley employees participating are not acting as financial, tax, legal or fiduciary advisors to any listener or other person.References to EquityZen, private company secondary markets, approved liquidity pathways, private company stock transactions and related parties are illustrative only, not an endorsement, recommendation, solicitation or validation by Morgan Stanley of any company, platform, transaction structure, investment strategy or service provider. Morgan Stanley does not guarantee any third-party obligations, services, products, platforms, processes or performance. Trademarks and brand references belong to their owners.Morgan Stanley Smith Barney LLC is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the web site. Morgan Stanley is not responsible for the information contained on the third party web site or the use of or inability to use such site. Nor do we guarantee their accuracy and completeness. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Consult appropriate tax, legal, accounting, benefits, securities and compliance advisors.Holders of private company stock should review applicable plan documents, agreements, company policies, transfer restrictions and governing documents before any sale, pledge, transfer or other transaction. Related discussion is general and does not replace controlling official documents.Discussion of equity compensation, private company shares, liquidity events, vesting, taxation, withholding, transferability, employee benefits, HR practices or company stock is not tax, legal, accounting, investment or financial planning advice. Companies should evaluate objectives, plan design, budget and legal, fiduciary and compliance obligations before changing related programs.Investing involves risk, including possible loss of principal. Company stock and equity compensation values can fluctuate. Private company securities involve additional risks, including limited liquidity and information, valuation uncertainty, transfer restrictions, lack of a public market and concentration risk, and may not be suitable for all investors.Survey findings are informational and subject to limitations. Past performance is not a guarantee of future results. Statements about market trends, private market activity, IPOs, M&A, liquidity events, growth or employee financial outcomes are general observations only and not predictions, guarantees or investment recommendations. Anecdotal examples are illustrative only, not representative of all outcomes and not a recommendation to sell, hold, exercise or transfer equity awards or company stock. Individual experiences will vary.Morgan Stanley at Work services are provided by Morgan Stanley Smith Barney LLC, member SIPC, or its affiliates. ©2026 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 5796651 08/2026

Can a relationship survive infidelity? Yes, but surviving is a very low bar. Some relationships stay together after cheating but remain distrustful, resentful, or emotionally empty. Others genuinely rebuild into something healthier and stronger. And sometimes, leaving is absolutely the right decision. In this video, I break down what actually determines whether reconciliation is worth pursuing, including: • The difference between wanting to stay and being afraid to leave • How online horror stories can distort your view of reconciliation • The signs that your partner is genuinely changing • Why you cannot carry the entire reconciliation process yourself • What honesty, accountability, transparency, and consistency actually look like • Why the goal shouldn't be to get your “old relationship” back • The questions to ask before deciding whether rebuilding is worth it If you've been cheated on and you're struggling with the pain, obsessive thoughts, triggers, forgiveness, or simply figuring out what you actually want to do next, you can book a free call with me here:

Send us Fan MailWhat started out as a slow and uninspiring game for Charlotte FC against DC United pivoted entirely on the goal contributions of both of the Crown's second string fullbacks of David Schnegg and Will Cleary, although star DP Pep Biel had the most overall standout performance in Charlotte's 3-1 home win. Individual performances are all well and good; however, there were definitely opportunities for improvement. The queens chat about where some struggles currently lie as the whole team needs to be strong.The Queens' Pitch on X@thequeenspitchclt

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Crystal Hughes. Shared her journey as a licensed cosmetologist, entrepreneur, and founder of the Wig Capital Foundation. The conversation focused on her innovative wig donation and recycling program, which supports individuals experiencing medical hair loss while also promoting environmental sustainability through hair and wig recycling. Drawing from more than two decades in the beauty industry, Hughes explained how a childhood dream evolved into a mission-driven organization that restores confidence to people facing hair loss and creates opportunities for education, community involvement, and environmental impact. Purpose of the Interview The interview was designed to: Raise awareness about the Wig Capital Foundation. Educate the public about wig donation and recycling programs. Encourage salons, barber shops, cosmetology schools, and community organizations to participate. Support individuals experiencing hair loss due to medical conditions. Highlight the environmental benefits of recycling wigs and hair products. Inspire listeners through Crystal's entrepreneurial and philanthropic journey. Key Takeaways 1. Wigs Can Be Recycled and Repurposed Many people are unaware that wigs can have a second life. Crystal's organization collects: Human-hair wigs Synthetic wigs Hair extensions Donated hair products Usable wigs are refurbished and redistributed, while damaged wigs are recycled into materials used for environmental cleanup and research. 2. Medical Hair Loss Impacts Quality of Life A major focus of the foundation is supporting individuals experiencing hair loss due to: Cancer treatments Medical conditions Health-related challenges By providing donated wigs, the organization helps restore confidence, dignity, and self-esteem. 3. Community Partnerships Drive Impact Crystal built her program through partnerships with: Cosmetology schools Hospitals Cancer organizations Beauty supply stores Community volunteers These partnerships allow the foundation to process, repair, and distribute large volumes of donated wigs. 4. Education Creates Opportunity Cosmetology students participate in refurbishing wigs as part of their training. The program provides students with: Hands-on experience Community service hours Technical training Exposure to real-world client needs This creates a win-win situation for both students and recipients. 5. Sustainability Is Part of the Mission One of the interview's most unique themes was environmental stewardship. Unused or damaged wigs are broken down and recycled into products that can assist with: Environmental cleanup Oil-spill recovery efforts Sustainability research Crystal sees beauty and environmental responsibility as connected causes. 6. Small Ideas Can Become Large Movements What began as a personal vision expanded into a network that attracted support from multiple states and organizations. The foundation received donated wigs from: Individual donors Beauty supply stores Community members Organizations across the country The response demonstrated the widespread demand for programs that combine social impact and sustainability. 7. Entrepreneurship Begins with Passion Crystal traced her inspiration back to childhood visits to beauty supply stores with her grandmother. What started as an eight-year-old girl's dream eventually became a career, a nonprofit initiative, and a growing social-impact enterprise. 8. Don't Wait for Perfect Conditions Crystal repeatedly emphasized that she started with limited resources and often funded projects herself. Her story demonstrates that taking action, even without complete certainty or financial backing, can lead to meaningful results. 9. Innovation Comes from Solving Problems In addition to the Wig Capital Foundation, Crystal discussed creating "hat wigs," combining a hat and hairpiece into a practical solution for women dealing with hair challenges. Her approach reflects a broader entrepreneurial mindset of identifying problems and developing creative solutions. 10. Service Is the Foundation of Success Throughout the conversation, Crystal emphasized helping others first. Whether through wig donations, student training, environmental initiatives, or community partnerships, her work is built around creating positive change. Key Themes Beauty With Purpose The interview highlights how the beauty industry can be used as a force for social good. Entrepreneurship Through Service Crystal's success grew from solving real problems rather than simply pursuing profit. Community Collaboration Partnerships with schools, hospitals, and volunteers make the organization's impact possible. Confidence and Dignity Providing wigs to individuals experiencing hair loss is about more than appearance. It is about restoring confidence and improving quality of life. Notable Quotes On Her Childhood Dream "When I get older, I want to own one of these." On the Program's Mission "Helping our environment." On Taking Action "You got to start somewhere." On Entrepreneurship "You can't let circumstances and people and places stop you from living your dream." On Innovation "Maybe other women might need a hat wig." On Community Involvement "Everybody wants to get involved with wigs. Wigs is fun." On Program Growth "People started to reach out to be members as well as start chapters in their states." On Her Vision "Just get involved. Spread the word." Success Highlights Founder of the Wig Capital Foundation. Created a large-scale wig donation and refurbishment initiative. Developed partnerships with cosmetology schools and healthcare organizations. Collected thousands of wigs through donation campaigns. Introduced environmentally conscious hair and wig recycling efforts. Expanded outreach beyond local communities through chapters and partnerships. Created innovative hair products such as custom hat wigs. Bottom Line Crystal Hughes' interview is a powerful example of purpose-driven entrepreneurship. By combining her cosmetology expertise with a passion for helping others, she created a program that supports individuals facing medical hair loss while promoting environmental sustainability. Her story demonstrates how a simple childhood dream can evolve into a mission that restores confidence, creates educational opportunities, and positively impacts communities across the country. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Crystal Hughes. Shared her journey as a licensed cosmetologist, entrepreneur, and founder of the Wig Capital Foundation. The conversation focused on her innovative wig donation and recycling program, which supports individuals experiencing medical hair loss while also promoting environmental sustainability through hair and wig recycling. Drawing from more than two decades in the beauty industry, Hughes explained how a childhood dream evolved into a mission-driven organization that restores confidence to people facing hair loss and creates opportunities for education, community involvement, and environmental impact. Purpose of the Interview The interview was designed to: Raise awareness about the Wig Capital Foundation. Educate the public about wig donation and recycling programs. Encourage salons, barber shops, cosmetology schools, and community organizations to participate. Support individuals experiencing hair loss due to medical conditions. Highlight the environmental benefits of recycling wigs and hair products. Inspire listeners through Crystal's entrepreneurial and philanthropic journey. Key Takeaways 1. Wigs Can Be Recycled and Repurposed Many people are unaware that wigs can have a second life. Crystal's organization collects: Human-hair wigs Synthetic wigs Hair extensions Donated hair products Usable wigs are refurbished and redistributed, while damaged wigs are recycled into materials used for environmental cleanup and research. 2. Medical Hair Loss Impacts Quality of Life A major focus of the foundation is supporting individuals experiencing hair loss due to: Cancer treatments Medical conditions Health-related challenges By providing donated wigs, the organization helps restore confidence, dignity, and self-esteem. 3. Community Partnerships Drive Impact Crystal built her program through partnerships with: Cosmetology schools Hospitals Cancer organizations Beauty supply stores Community volunteers These partnerships allow the foundation to process, repair, and distribute large volumes of donated wigs. 4. Education Creates Opportunity Cosmetology students participate in refurbishing wigs as part of their training. The program provides students with: Hands-on experience Community service hours Technical training Exposure to real-world client needs This creates a win-win situation for both students and recipients. 5. Sustainability Is Part of the Mission One of the interview's most unique themes was environmental stewardship. Unused or damaged wigs are broken down and recycled into products that can assist with: Environmental cleanup Oil-spill recovery efforts Sustainability research Crystal sees beauty and environmental responsibility as connected causes. 6. Small Ideas Can Become Large Movements What began as a personal vision expanded into a network that attracted support from multiple states and organizations. The foundation received donated wigs from: Individual donors Beauty supply stores Community members Organizations across the country The response demonstrated the widespread demand for programs that combine social impact and sustainability. 7. Entrepreneurship Begins with Passion Crystal traced her inspiration back to childhood visits to beauty supply stores with her grandmother. What started as an eight-year-old girl's dream eventually became a career, a nonprofit initiative, and a growing social-impact enterprise. 8. Don't Wait for Perfect Conditions Crystal repeatedly emphasized that she started with limited resources and often funded projects herself. Her story demonstrates that taking action, even without complete certainty or financial backing, can lead to meaningful results. 9. Innovation Comes from Solving Problems In addition to the Wig Capital Foundation, Crystal discussed creating "hat wigs," combining a hat and hairpiece into a practical solution for women dealing with hair challenges. Her approach reflects a broader entrepreneurial mindset of identifying problems and developing creative solutions. 10. Service Is the Foundation of Success Throughout the conversation, Crystal emphasized helping others first. Whether through wig donations, student training, environmental initiatives, or community partnerships, her work is built around creating positive change. Key Themes Beauty With Purpose The interview highlights how the beauty industry can be used as a force for social good. Entrepreneurship Through Service Crystal's success grew from solving real problems rather than simply pursuing profit. Community Collaboration Partnerships with schools, hospitals, and volunteers make the organization's impact possible. Confidence and Dignity Providing wigs to individuals experiencing hair loss is about more than appearance. It is about restoring confidence and improving quality of life. Notable Quotes On Her Childhood Dream "When I get older, I want to own one of these." On the Program's Mission "Helping our environment." On Taking Action "You got to start somewhere." On Entrepreneurship "You can't let circumstances and people and places stop you from living your dream." On Innovation "Maybe other women might need a hat wig." On Community Involvement "Everybody wants to get involved with wigs. Wigs is fun." On Program Growth "People started to reach out to be members as well as start chapters in their states." On Her Vision "Just get involved. Spread the word." Success Highlights Founder of the Wig Capital Foundation. Created a large-scale wig donation and refurbishment initiative. Developed partnerships with cosmetology schools and healthcare organizations. Collected thousands of wigs through donation campaigns. Introduced environmentally conscious hair and wig recycling efforts. Expanded outreach beyond local communities through chapters and partnerships. Created innovative hair products such as custom hat wigs. Bottom Line Crystal Hughes' interview is a powerful example of purpose-driven entrepreneurship. By combining her cosmetology expertise with a passion for helping others, she created a program that supports individuals facing medical hair loss while promoting environmental sustainability. Her story demonstrates how a simple childhood dream can evolve into a mission that restores confidence, creates educational opportunities, and positively impacts communities across the country. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

What do Science lessons look like once formal schooling begins? Join us on the podcast in today's episode as we explore the next step in our children's education and how Science and Nature Study play an integral role for lower elementary students in years one through three. harlotte Mason, Volume 6 (Amazon) (Living Book Press - use code DELECTABLE for 10% off!) ADE Season 12 Reading Schedule Eyes & No Eyes series by Buckley (Yesterday's Classics) (Living Book Press - use code DELECTABLE for 10% off!) Individual books in the series from each publisher on Amazon: Wild Life in Woods & Fields (Yesterday's Classics) (Living Book Press) By Pond & River (YC) Plant Life in Field & Garden (YC) (LBP) Birds of the Air (YC) (LBP) Trees & Shrubs (YC) (LBP) Insect Life (LBP) Nature Lore by Dallas Lore Sharpe: Fall of the Year (Yesterday's Classics) (Amazon) Winter (Yesterday's Classics) (Amazon) Spring of the Year (Yesterday's Classics) (Amazon) ADE Special Studies Rotation Sabbath Mood Homeschool Nature Explorers: Rotation A Rotation B Sabbath Mood Homeschool Calendar of Firsts Nature Notebooks: Stilman & Birn Alpha softcover 8x10 Stilman & Birn Epsilon hardcover 5.5x8.5 ADE on YouTube

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Crystal Hughes. Shared her journey as a licensed cosmetologist, entrepreneur, and founder of the Wig Capital Foundation. The conversation focused on her innovative wig donation and recycling program, which supports individuals experiencing medical hair loss while also promoting environmental sustainability through hair and wig recycling. Drawing from more than two decades in the beauty industry, Hughes explained how a childhood dream evolved into a mission-driven organization that restores confidence to people facing hair loss and creates opportunities for education, community involvement, and environmental impact. Purpose of the Interview The interview was designed to: Raise awareness about the Wig Capital Foundation. Educate the public about wig donation and recycling programs. Encourage salons, barber shops, cosmetology schools, and community organizations to participate. Support individuals experiencing hair loss due to medical conditions. Highlight the environmental benefits of recycling wigs and hair products. Inspire listeners through Crystal's entrepreneurial and philanthropic journey. Key Takeaways 1. Wigs Can Be Recycled and Repurposed Many people are unaware that wigs can have a second life. Crystal's organization collects: Human-hair wigs Synthetic wigs Hair extensions Donated hair products Usable wigs are refurbished and redistributed, while damaged wigs are recycled into materials used for environmental cleanup and research. 2. Medical Hair Loss Impacts Quality of Life A major focus of the foundation is supporting individuals experiencing hair loss due to: Cancer treatments Medical conditions Health-related challenges By providing donated wigs, the organization helps restore confidence, dignity, and self-esteem. 3. Community Partnerships Drive Impact Crystal built her program through partnerships with: Cosmetology schools Hospitals Cancer organizations Beauty supply stores Community volunteers These partnerships allow the foundation to process, repair, and distribute large volumes of donated wigs. 4. Education Creates Opportunity Cosmetology students participate in refurbishing wigs as part of their training. The program provides students with: Hands-on experience Community service hours Technical training Exposure to real-world client needs This creates a win-win situation for both students and recipients. 5. Sustainability Is Part of the Mission One of the interview's most unique themes was environmental stewardship. Unused or damaged wigs are broken down and recycled into products that can assist with: Environmental cleanup Oil-spill recovery efforts Sustainability research Crystal sees beauty and environmental responsibility as connected causes. 6. Small Ideas Can Become Large Movements What began as a personal vision expanded into a network that attracted support from multiple states and organizations. The foundation received donated wigs from: Individual donors Beauty supply stores Community members Organizations across the country The response demonstrated the widespread demand for programs that combine social impact and sustainability. 7. Entrepreneurship Begins with Passion Crystal traced her inspiration back to childhood visits to beauty supply stores with her grandmother. What started as an eight-year-old girl's dream eventually became a career, a nonprofit initiative, and a growing social-impact enterprise. 8. Don't Wait for Perfect Conditions Crystal repeatedly emphasized that she started with limited resources and often funded projects herself. Her story demonstrates that taking action, even without complete certainty or financial backing, can lead to meaningful results. 9. Innovation Comes from Solving Problems In addition to the Wig Capital Foundation, Crystal discussed creating "hat wigs," combining a hat and hairpiece into a practical solution for women dealing with hair challenges. Her approach reflects a broader entrepreneurial mindset of identifying problems and developing creative solutions. 10. Service Is the Foundation of Success Throughout the conversation, Crystal emphasized helping others first. Whether through wig donations, student training, environmental initiatives, or community partnerships, her work is built around creating positive change. Key Themes Beauty With Purpose The interview highlights how the beauty industry can be used as a force for social good. Entrepreneurship Through Service Crystal's success grew from solving real problems rather than simply pursuing profit. Community Collaboration Partnerships with schools, hospitals, and volunteers make the organization's impact possible. Confidence and Dignity Providing wigs to individuals experiencing hair loss is about more than appearance. It is about restoring confidence and improving quality of life. Notable Quotes On Her Childhood Dream "When I get older, I want to own one of these." On the Program's Mission "Helping our environment." On Taking Action "You got to start somewhere." On Entrepreneurship "You can't let circumstances and people and places stop you from living your dream." On Innovation "Maybe other women might need a hat wig." On Community Involvement "Everybody wants to get involved with wigs. Wigs is fun." On Program Growth "People started to reach out to be members as well as start chapters in their states." On Her Vision "Just get involved. Spread the word." Success Highlights Founder of the Wig Capital Foundation. Created a large-scale wig donation and refurbishment initiative. Developed partnerships with cosmetology schools and healthcare organizations. Collected thousands of wigs through donation campaigns. Introduced environmentally conscious hair and wig recycling efforts. Expanded outreach beyond local communities through chapters and partnerships. Created innovative hair products such as custom hat wigs. Bottom Line Crystal Hughes' interview is a powerful example of purpose-driven entrepreneurship. By combining her cosmetology expertise with a passion for helping others, she created a program that supports individuals facing medical hair loss while promoting environmental sustainability. Her story demonstrates how a simple childhood dream can evolve into a mission that restores confidence, creates educational opportunities, and positively impacts communities across the country. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Fear looks like an ocean. It looks like it will swallow you.Jay puts language on something a lot of people in BPD recovery already feel: the fear is a mile wide and an inch deep. From a distance it looks massive. After you take one step, you find out you can stand.In this episode of From Borderline to Beautiful, Rose and Jay talk about what actually gets you across that threshold — not more confidence first, but action. Confidence comes after you begin.We cover:Why fear looks like drowning when it is often a puddleWhy you do not need confidence before you actHow past experiences make a small step feel hugeWhy “I'm frustrated” is not the same as “I'm leaving”Fight, flight, and freeze — and what each one is protectingHow fear gets used to control, cover, or avoid being exposedTrading humiliation for patienceAligning your fight with the desire of your heart: a life worth living, not comfort in shameIf you keep waiting to feel ready, the fear stays wide. If you take the inch-deep step with your eyes open, you collect proof that you can stand.Try this after you listenName the fear in one sentence. What are you actually afraid will happen?Separate history from this moment. What is old, and what is here?Take one action that matches the life you want, not the comfort you know.After you do it, do not disqualify it. Own it.Fall Group – Starting September 30 I'm running a small fall group beginning September 30. Space is limited on purpose so participants can actually practice these skills with support and feedback.If you've been wanting structured work around emotion regulation, abandonment fear, and breaking the safety-behavior cycle, this group is designed for that.Individual session openings are also available if you prefer one-on-one work.Details: ⁠⁠thriveonlinecounseling.com⁠⁠Book a session with Rose or Jay: ⁠⁠⁠⁠thriveonlinecounseling.com⁠⁠⁠⁠Call/Text: 844-984-7483 (844-9-THRIVE)Fall group forming, register today!Podcast Website: thriveonlinecounseling.comFollow the show for more on BPD recovery, betrayal trauma, shadow work, values-based healing, and building authentic relationships.You are loved. You are worthy. You are created with purpose .See you next week on From Borderline to Beautiful.

In episode 387 of The Physical Performance Show, host Tim Studley picks up part two of his conversation with fellow Pogo Physio physiotherapist Lewis Craig, continuing last week's deep dive into surf life saving and Ironman racing. This episode shifts focus from injury patterns to managing niggles, optimising performance, and the habits that separate top-tier surf ironman athletes from the rest. Tim and Lewis discuss the collaborative decision-making involved in managing a recurring niggle, the key training and screening recommendations every surf life saving athlete should have in place, the lessons Lewis has learned working with elite athletes in the sport, and his top tips for improving performance — from sand-specific training to fuelling properly for a demanding training load. SHOW SPONSORS:

The 10 a.m. ET speech today by Fed Chair Kevin Warsh is likely the day's biggest news, coming a day after technology stocks drove indexes higher. Crude and yields crept up, too. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Agency Nation Radio, Jamie Behymer, director of Diversity, Inclusion & Young Agents at the Big “I,” chats with Jenn Urso, founder of The Leadership Project, a professional development company that helps individuals and organizations become more effective leaders through practical, human-centered coaching, training and tools. Urso will also be one of the keynote speakers at the Young Agents Leadership Institute (YALI), which will take place Oct.1-3 in Baltimore. Behymer and Urso discuss what inspired Urso to become passionate about leadership coaching, common misconceptions companies have about effective leadership, and how emerging insurance professionals can step into leadership roles. Urso also shares a special teaser about what she'll be discussing at YALI. “If or when you decide that you're interested in a leadership role, I think the first step is to look at your strengths,” Urso says. “Look at the competencies of what that role entails that you're aspiring to move into, and then create a plan of how you can start to perform those now.” Agency Nation Radio is where insurance professionals turn on the mic to share unscripted stories about leadership, technology, marketing, success, and failure—stories that helped shape their careers. From Main Street USA to the pages of Independent Agent magazine, these are the stories insurance professionals want to hear.

A homeowner reports that the central air conditioning system stopped working during a summer heat wave. They sent their contractor's invoice to their insurance company. The adjuster has to review the invoice, the Declarations Page, and policy excerpts to handle the claim. But this isn't a real claims file; this are mock claims documents as used in the PACE Designation Exam. Today we'll explore how authentic assessment is leveraged to test real-world skills, and you can try your luck with this sample question. Notable Timestamps [ 01:24 ] - The exam includes basic recall questions that require the test-taker to produce knowledge on the spot, such as defining key terms and claims handling concepts. [ 03:03 ] - Application questions go a step beyond simple recall by providing a specific claim scenario and challenging the test-taker to determine how to properly handle it. [ 04:26 ] - Authentic assessment utilizes research questions designed to mimic real-world tasks, presenting professionals with mock documents to analyze and interpret. [ 06:15 ] - A sample question asks test-takers to review a contractor's invoice, a declarations page, and policy excerpts to solve a central air conditioning failure. [ 08:11 ] - Just like in real life, test-takers must filter through extraneous details within the provided mock documents to locate the relevant facts needed to resolve the claim. [ 10:47 ] - By carefully reviewing the policy limits and endorsements, the test-taker can correctly deduce that the sample claim is covered but strictly capped at $10,000. [ 13:29 ] - Ultimately, this rigorous testing methodology elevates the designation's value by ensuring that credential holders are practically equipped to handle real-world claims. Your PLRB Resources PACE Designation Program https://www.plrb.org/pace-program/ 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).

I used AI to generate a financial plan & life roadmap and then I gave this to 2 experts for review. Today I'm thrilled to host Mark McGrath, CFP, and Aravind Sithamparapillai, CFP, on the show.Mark McGrath is a leading Canadian voice in evidence-based finance & founded his own advice-only practice called Phynance, where he helps physicians with financial planning. He is also co-author of “Wealthier: The Investing Field Guide for Canadian Millennials.”Aravind Sithamparapillai is a financial planner and founder of AMA wealth. Last year, Aravind earned his CFP® designation with the highest exam score in the country, placing him at the top of the CFP® Exam President's List. He was also selected for FP Canada's Emerging Leader's Award.Discussion Points:Part 1 - introductions (2:24)- my AI inputs and outputs (5:18)- Mark & Aravind's initial reflections (9:25)Part 2 - Limitations (26:17)- knowing how much one will spend in retirement, stress testing, compensation strategiesPart 3 - Tax efficiency - RRSP debates (43:05)- Individual pension plan (46:01)- Home equity line of credit/HELOC (51:15)- Permanent life insurance (58:40)Part 4 - Top priorities - (1:07:32)Mark McGrath:phynance.ca https://www.linkedin.com/in/markmcgrathcfp/Aravind Sithamparapillai:https://amawealth.ca/https://www.linkedin.com/in/sithamparapillai/Yatin Chadha:Newsletter: https://www.beyondmd.ca/newsletterWebsite: https://www.beyondmd.ca/LinkedIn: https://www.linkedin.com/in/yatin-chadha/Email: yatin@beyondmd.caRadiology Courses for Clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseAmex credit card referral link:https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Send us Fan MailThank you for listening. Here are the ways you can help:#1: Boost me on X/Twitter​I just posted a direct appeal to YouTube. One like, one comment, one repost puts pressure where it counts. If you have your own following on X, a repost in your own words about why free sex education matters carries enormous weight. Tag @TeamYouTube so they see it.Go to the tweet and boost it now: https://x.com/TalkSexAnnette/status/2093043800029741222?s=20#2: Send YouTube your feedback directly Individual feedback from real viewers is what triggers a manual human review. This takes 2 minutes.Open YouTube while signed inClick your profile picture → Send feedback or Report a problemAsk for a manual review and reinstatement of Talk Sex with Annette. Be Sure To Include My YouTube Link included here: https://www.youtube.com/channel/UC_0_oA_nWLLwLGZVsNJ-KSA​Tell them why this channel mattered to you — your own words carry the most weightHere is a Template if you need one. You can change it and make it your own: "I'm requesting a review of the termination of Annette Benedetti's 'Talk Sex with Annette' channel. This was expert-led, science-based sexual health education — age-restricted, clinically grounded, and consistent with educational guidelines. This channel was an important resource for me and should not have been classified as explicit material. Please review and reinstate it: https://www.youtube.com/channel/UC_0_oA_nWLLwLGZVsNJ-KSAMore options:You can reshare my posts on Instagram, LinkedIn, and FB.You Can Still Watch My VideosThe good news is I SAVED ALL OF MY VIDEOS. I am working as fast as I can to get all of them back up somewhere safe where they can't be taken down. You can now watch all of my episodes on my Website at https://talksexwithannette.com/​You can also subscribe and watch them on https://talksexwithannette.substack.com/ where they will be published and sent directly to your inbox every week.Please subscribe to my E-newsletter so you don't miss a thing: https://she-explores-life.kit.com/e9760c390cAny support you give will be greatly appreciated.Get 15% Off Blended Orgasms at Womanizer.com with my code ANNETTE15!Go to https://talksexwithannette.com/go/sp/womanizer-blend Your New Favorite 365 Days of Orgasms Tool! 15% Off with code ANNETTE15 at Womanizer.com: https://talksexwithannette.com/go/sp/womanizerSupport the showWatch on YouTube: https://www.youtube.com/@annettebenedetti Connect with usWe are on all the socials:TikTok: @TalkSexwithAnnetteAnnette's Insta: @Annette BenedettiMy OF: @talksexwithannetteFB: @TalksexwithAnnetteWebsite: https://talksexwithannette.comCheers!

Matthew steps back on some comments he made about our Finnish viewers. For simple, online access to personalized and affordable care for Hair Loss, ED, Weight Loss, and more, visit https://Hims.com/supermega Featured products include compounded drug products, which the FDA does not approve or verify for safety, effectiveness, or quality. Prescription required. Individual results may vary. See website for full details, restrictions, and important safety information.  Shopify: Your landlord has a small business. Your ex has a small business. What are you waiting for? Start free at ⁠https://shopify.com/super⁠ Follow Matt: ⁠⁠@matthwatson⁠⁠ Follow Ryan: ⁠⁠@elirymagee⁠⁠ Follow the show: ⁠⁠@supermegashow Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week we're talking about the very funny case of the drug dealing frat brothers at Penn State who got too greedy. For bonus episodes, discord access, fan Q&A, merch, Ben's monthly playlist, and to support the show: https://benandemilshow.com/ The Chase Sapphire 100,000 point bonus is here! https://www.thecreditcardlist.com Give this video a thumbs up if you enjoyed it! And please leave us a comment! It helps us! For all you audio freaks: Spotify: https://open.spotify.com/show/7M0vN85aGO0zdh62hyg03I Apple: https://podcasts.apple.com/us/podcast/the-ben-and-emil-show/id1693270208 Amazon: https://music.amazon.com/podcasts/51280f1b-2fbd-4ea9-bdde-e96f70b5b1ae/the-ben-and-emil-show iHeart: https://www.iheart.com/podcast/269-the-ben-and-emil-show-117763570/ Follow us! TikTok - https://tiktok.com/@thebenandemilshow Instagram - https://instagram.com/benandemilshow Twitter - https://x.com/benandemilshow Ben - https://instagram.com/bencahn Emil - https://instagram.com/emilderosa https://www.youtube.com/emilderosa https://substack.com/@emilderosa Our newest acid video is out now so check it out! https://youtu.be/7vkFY3f5kkw Some other videos of ours you may enjoy: https://youtu.be/qX4pks0ASq8 https://youtu.be/_VOVxt3ZtIE https://youtu.be/5wsoc5pieuA https://youtu.be/dTbEk0pVh2w https://youtu.be/yGSs56bFzRU https://youtu.be/cIHWkY35cuc https://youtu.be/zBvVGHZBpMw https://youtu.be/1ZUWTkWV_MM https://youtu.be/_cM1XqA9n2U Chapters: 00:00 Intro and Richard Spencer 04:55 Meeting the frat bros 13:00 The main guy 19:35 Monarch ad 21:38 How it all started 27:00 Ratting, purchase sizes 34:00 T-Rob's dad, Agostino still selling 39:45 Hims ad 41:26 Ben and Emil's frat experience 45:05 Ben's "selling" experience 51:06 Selling pens, finding the guys on Linkedin 57:00 Ben's sharpie incident 59:00 Sam Altman changes his tune 1:07:18 The guy who ruined Buzzfeed __ MONARCH: Write your own money story with Monarch—get 50% off your first year of Monarch Core at https://monarch.com with code BAES. HIMS: For simple, online access to personalized and affordable care for Hair Loss, ED, Weight Loss, and more, visit https://hims.com/baes for your free online visit. Individual results may vary. See website for full details, restrictions, and important safety information. Learn more about your ad choices. Visit podcastchoices.com/adchoices

You're listening to Voices of Your Village, and today's episode is part of our summer series, Honoring the Individual. Over the summer months, we'll be revisiting some of our favorite conversations—episodes that remind us of a core truth: there is no one-size-fits-all approach to supporting children. Today I got to sit down with my dear friend, Eli Harwood, who you may know as @attachmentnerd over on Instagram, to dive into a topic that comes up so often, school refusal. We talk about what's really going on beneath school refusal, how to meet our kids with connection and structure, and why scaffolding their nervous system matters more than forcing compliance. This episode is full of practical strategies that help us show up differently for our kids and ourselves. Stay tuned in September for an exciting announcement that will make it easier than ever to move beyond generic advice and access support tailored to the individual child, student, or family you're supporting. Alright folks, let's dive in. Connect with Eli: Instagram: ⁠@attachmentnerd⁠ Website: ⁠https://attachmentnerd.com/⁠ Order the book: ⁠Raising Securely Attached Kids: Using Connection-Focused Parenting to Create Confidence, Empathy, and Resilience⁠ Podcast: ⁠https://attachmentnerd.com/podcast⁠ Connect with us: Instagram: ⁠@seed.and.sew ⁠ TikTok: ⁠@seedandsew⁠ Seed and Sew's NEW Regulation Questionnaire: ⁠Take the Quiz⁠ Order ⁠Big Kids, Bigger Feelings⁠ and ⁠Tiny Humans, Big Emotions⁠  Website: ⁠seedandsew.org⁠ Credits: Host: Alyssa Blask Campbell Co-host: Rachel Lounder Production/editing: Kristin Mork-McVeigh Graphics: Kayla Kurland-Davis/ Beki Rohrig Music by: ⁠Ruby Adams⁠ and  ⁠Bensound⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

TODAY ON THE ROBERT SCOTT BELL SHOW: Individual Autonomy, Informed Consent, Religious Freedom, Sean Patrick Tario, Mark 37, Electronic Privacy Options, Mercurius Cyanatus, Harvest to Hallways, Greg and Natalie Nicole, Dulsa Life, Healthy Alternative Sweetener, Youth Diabetes Surge, and MORE! https://robertscottbell.com/hhs-vaccine-autonomy-sean-patrick-tario-mark-37-mercurius-cyanatus-harvest-to-hallways-greg-and-natalie-nicole-dulsa-life-youth-diabetes-surge-and-more/ Purpose and Character The use of copyrighted material on the website is for non-commercial, educational purposes, and is intended to provide benefit to the public through information, critique, teaching, scholarship, or research. Nature of Copyrighted Material Weensure that the copyrighted material used is for supplementary and illustrative purposes and that it contributes significantly to the user's understanding of the content in a non-detrimental way to the commercial value of the original content. Amount and Substantiality Our website uses only the necessary amount of copyrighted material to achieve the intended purpose and does not substitute for the original market of the copyrighted works. Effect on Market Value The use of copyrighted material on our website does not in any way diminish or affect the market value of the original work. We believe that our use constitutes a 'fair use' of any such copyrighted material as provided for in section 107 of the U.S. Copyright Law. If you believe that any content on the website violates your copyright, please contact us providing the necessary information, and we will take appropriate action to address your concern.

Nvidia's results are likely to drive the market today ahead of Friday's speech from Fed Chairman Kevin Warsh. Investors are also digesting results from Salesforce and Crowdstrike. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if you're sleeping enough, but still not giving your body the kind of rest it needs to heal?When you're facing serious illness, it's easy to turn healing into a full-time job: researching treatments, changing your diet, exercising, attending appointments, taking supplements, managing symptoms, and constantly trying to figure out what you should do next.But your body also needs time when you stop asking it to perform.In this episode of Renegade Remission, we explore why recovery is an active part of healing—and why true rest involves much more than simply getting enough sleep.Through the remarkable recovery stories of Dr. Terry Wahls, who went from progressive multiple sclerosis and a tilt-recline wheelchair to riding a bicycle again, and breast cancer survivor Sylvie Lessard, we'll look at what can happen when recovery, replenishment, and enjoyment become intentional parts of a healing plan. You'll discover:What happens inside your body during sleep and why it matters for tissue repair, muscle, hormones, and immune regulationWhy meditation and other forms of wakeful rest may help reduce fatigue and physiological stressWhy enjoyable activities like music, reading, time outside, creativity, and laughter can be genuinely restorativeHow to tell the difference between restorative rest and inactivity that may contribute to weakness and deconditioningWhy movement and rest aren't opposites—and why healing may depend on the rhythm between challenge and recoveryHow to stop waiting until you're completely depleted before giving your body a chance to recoverMost importantly, you'll learn how to create a simple recovery rhythm that fits your current capacity, including better sleep, small periods of wakeful rest, enjoyable activities that replenish you, and appropriately timed movement.Listen now to learn how to give your body more opportunities to recover from everything you're asking it to do, without assuming that healing means spending your life in bed.DisclaimerThis podcast is for educational purposes only and does not provide medical advice. Always consult your licensed healthcare provider before making changes to your treatment plan, sleep practices, physical activity, medications, supplements, or other aspects of your healthcare. Individual needs can vary significantly during serious or chronic illness.This podcast explores stories and science around ALS, dementia, MS, cancer, mind body recovery, healing, functional medicine, heart disease, regression, remission, integrative medicine, autoimmune conditions, chronic illness, terminal disease, terminal illness, holistic health, quality of life, alternative medicine, natural healing, lifestyle medicine, and remission from cancer, offering hope and insights for those seeking resilience and renewal.

Adam Crowley and Dorin Dickerson share a theory about who fans usually side with when there's a dispute between the Steelers and one of their players.

In this episode, Anthony O'Neal reveals the investing mistake that cost him money, time, and stress. He breaks down his move toward index funds, automation and long-term consistency, including how waiting 10 years to invest could mean the difference between roughly $1 million and $400,000.Anthony also shares what should come before aggressive investing and walks through the 5-step system he uses to eliminate financial anxiety, build a strong foundation and turn investing into a tool for greater freedom, peace and control.Mentioned Here:

The market's long winning streak has investors wondering whether a crash is waiting in the wings. Don and Tom look at the S&P 500's run, the lost decade that followed the 1990s boom, and why international diversification changed that outcome dramatically.They also explain why market timing asks the impossible: missing the worst days sounds wonderful, but missing the best days can be devastating. The less theatrical answer is still the useful one—make a plan, understand your tolerance for risk, diversify broadly, and sit still.Then it's on to a near-retiree offered a portfolio stuffed with individual stocks, whether international bonds belong in a simple portfolio, why a professionally managed 20-fund portfolio is different from a DIY one, and how to rebalance when Roth and traditional accounts complicate the job.3:33 — A historic market streak—and what might follow4:31 — The lost decade diversification softened7:08 — Why timing the best and worst days fails9:22 — The boring answer: plan, diversify, be patient14:04 — Individual stocks on the eve of retirement?23:02 — A quick Celebration restaurant detour24:28 — Do international bonds belong in your portfolio?27:38 — When 20 funds are too many—or not32:24 — Rebalancing across Roth and traditional accountsQuestions? Comments? Click!

Want to lower your resting heart rate before bed, fall asleep faster, and sleep deeper? In this video I break down 10 science-backed ways to drop your resting heart rate tonight — plus what a normal resting heart rate is by age and gender, how to measure it the right way, and why the number right before bed matters most for your recovery and longevity.

Investors will have plenty to monitor today. The Fed's favorite inflation gauge and GDP data are due this morning, while Nvidia and other major tech earnings arrive after the bell. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.  Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After Betrayal: Supporting Individual Healing and Relational Repair Episode Summary Learning the full truth about a betrayal can be an important step, but it does not immediately restore safety or connection. Even after disclosure, the betrayed partner may continue experiencing fear, intrusive thoughts, hypervigilance, disrupted sleep, and uncertainty. These are understandable trauma responses—not signs that they are failing to heal or refusing to move forward. In this episode of the Human Intimacy Podcast, Dr. Kevin Skinner and MaryAnn Michaelis, LCSW, explore the different needs that emerge after betrayal. The partner who broke trust is responsible for addressing the behaviors and patterns that led to the betrayal, pursuing meaningful recovery, practicing consistent honesty, and learning to respond compassionately to the pain their choices caused. The betrayed partner's focus is not on fixing the relationship or managing their partner's recovery. It is on receiving support, understanding what has happened to their mind and body, establishing needed boundaries, and caring for themselves as they regain stability. This healing is not the same as forgiveness, reconciliation, or moving on before they are ready. When sufficient safety and stability have been established, couples may also begin learning how to communicate, respond to one another's needs, and determine what relational repair could look like. That process cannot be rushed, and it does not replace the individual responsibility each partner carries. Healing develops gradually through support, honesty, accountability, and consistent action. Resources The Intimacy Repair Method — A structured approach to helping individuals and couples move from the crisis of betrayal toward stabilization, safety, trust, and relational repair. IRM for Couples Intensive — Learn about focused support for couples who are ready to work toward greater understanding, safety, and connection. Human Intimacy — Explore additional podcasts, courses, assessments, and resources related to betrayal trauma, recovery, and relationship healing. Invitation You do not have to rush your healing or navigate every part of this experience alone. To learn more about individual healing and couples work after betrayal, visit IntimacyRepairMethod.com.

It is widely reported that a gap has emerged between enterprise spending on AI and the durable value captured from that spend. Individual employees have enthusiastically adopted coding assistants and chatbots, yet those gains do not seem to be transforming businesses at an organizational level. One of the most important questions in the tech industry today is understanding why AI is not yet delivering returns that match the investment, and what separates the small number of enterprises succeeding from the many that are not. Scale AI is known for supplying the human-labeled data behind many frontier models. It now also builds AI applications and agents for large enterprises. That combination of working alongside frontier labs and inside enterprise deployments gives the company a rare view of why enterprise AI may be stalling. Emily Xue is the Head of Enterprise AI at Scale AI, and previously spent over a decade at Google. In this episode, Emily joins Kevin Ball to discuss the three layers where enterprise AI breaks down, why frontier model benchmarks miss what enterprises actually need, the data foundation problem, how the most successful companies combine internal domain expertise with outside AI specialists, and more.Sponsorship inquiries:sponsor@softwareengineeringdaily.com The post The Gap Between AI Spending and AI Value appeared first on Software Engineering Daily.

For generations, women were taught a fairly predictable story about creating a family: find the right person, get married, and then have children. But what happens when life does not follow that sequence?In this episode, Strategic Divorce Consultant Mardi Winder talks with bestselling author, speaker, life coach, and nonprofit founder Cheri Bergeron about motherhood, divorce, fertility, and creating a family on your own terms.Cheri shares her personal journey from believing she needed marriage to “earn the right to motherhood” to becoming a single mother by choice. She talks openly about fertility treatment, donor conception, becoming a mother in her 40s, and grieving the traditional family story she once expected while discovering that a different path could still create the family she deeply wanted.This is a hopeful conversation about self-trust, understanding your options, and recognizing that the end of a marriage does not necessarily mean the end of your dream of motherhood.Questions We ExploreQ: What if you are divorced and still want children?A: Divorce does not necessarily close the door on motherhood. Cheri discusses several paths that may be available and why learning about your options can help you make choices that reflect what you truly want.Q: Why is understanding fertility earlier in life so important?A: Cheri explains that many women learn about reproductive timelines much later than they wish they had. Understanding fertility and available options earlier can provide more opportunity to think intentionally about future family planning.Q: Can you become a mother later in life?A: Cheri shares her own experience with fertility treatment and donor eggs, including having children in her 40s. Individual circumstances vary, making personalized medical guidance an important part of exploring fertility options.Q: How do single mothers by choice talk with their children about their origins?A: Cheri believes openness, honesty, and age-appropriate conversations can help children understand their individual family story while building trust between parent and child.Q: What if the family you create looks nothing like the one you originally imagined?A: Cheri encourages women to allow themselves to grieve the traditional story they expected while remaining open to another possibility: different does not have to mean less meaningful.About the Guest:Cheri Bergeron is a former tech executive turned bestselling author, speaker, life coach, and nonprofit founder. After a 10-year struggle with divorce and infertility involving IVF, donor conception, genetic defects and child loss, she gave birth to her children in her mid 40s. Driven by these experiences, Cheri wrote the #1 Amazon bestseller Mission: Motherhood and started Cheri's Choice to help women navigate non-traditional paths to motherhood on their own terms—with clarity, confidence, and choice.To connect with Cheri:Website: https://www.cheribergeron.com/Facebook: https://www.facebook.com/missionmotherhoodLinkedIn: https://www.linkedin.com/in/cheribergeron/About the HostMardi Winder is a Strategic Divorce Consultant and High-Conflict Divorce Coach who helps high-achieving individuals navigate divorce with clarity, confidence, and control. Drawing on more than 30 years of experience in mediation, divorce coaching and conflict resolution, she supports clients in making smart decisions while reducing emotional and financial fallout, particularly in high-conflict, high-asset and complex divorces. Mardi is the founder of Positive Communication Systems, LLC, and the Strategic Divorce Directory, LLC.For Mardi's gift: The Resilience Building Blueprint: A 28-Day Journey To A Stronger You https://www.divorcecoach4women.com/rbbConnect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinder/Instagram: https://www.instagram.com/divorcecoach4women/YouTube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.Leave an Apple Podcast ReviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.

Jordan Sullivan, The Fight Dietitian, joins Matt to break down performance-focused weight loss, RED-S, marathon fueling and how endurance athletes can get lighter without sacrificing training quality. Jordan Sullivan / The Fight Dietitian Website: https://thefightdietitian.com/ Instagram: https://www.instagram.com/the_fightdietitian/ Matt Fox / Sweat Elite Coaching: https://www.sweatelitecoaching.com/matt-fox/ Instagram: https://www.instagram.com/mattinglisfox/ Strava: https://www.strava.com/athletes/6248359 YouTube: https://www.youtube.com/@SweatElite Sweat Elite: https://www.sweatelite.co/ Sweat Elite Instagram: https://www.instagram.com/sweatelite/ Contact: matt@sweatelite.co In this episode, Jordan and Matt dive into one of the most debated topics in endurance sport - losing weight while training hard. Jordan has spent more than a decade working with elite athletes across combat sports, endurance events and other high-performance environments, helping athletes manipulate body composition while maintaining performance. They discuss RED-S, low energy availability and why the intensity and duration of a calorie deficit matter. Jordan explains why training status is an important part of the equation, how quickly athletes can realistically lose weight, and why Garmin, WHOOP and other wearable calorie estimates should not be treated as exact measurements. They also explore what happens to muscle during a calorie deficit, the roles of protein and resistance training, and what changes when an already-lean athlete tries to become even lighter. Jordan and Matt discuss Matt's own progression from around 74 kg toward 69 kg, and the longer-term possibility of experimenting closer to 65 kg while trying to determine where further weight loss stops improving marathon performance. A major part of the conversation focuses on fueling marathon training while losing weight. They discuss periodizing calorie and carbohydrate intake around important sessions, why harder running dramatically increases carbohydrate requirements, fueling long runs, post-workout glycogen restoration and why an athlete's fitness remains more important than simply consuming more fuel. Jordan also explains why blanket recommendations such as 60-90 g or 120 g of carbohydrate per hour may not be optimal for everyone. Individual carbohydrate oxidation rates, gut tolerance and training history can all influence how much carbohydrate an athlete can actually use. They finish with bone health, practical carbohydrate choices including white rice, bread, fruit and honey, and why developing good whole-food habits remains important for long-term health. Timestamps 00:00 Meet Jordan Sullivan 00:05 Weight Loss During Training 00:40 Why Calories In Out Fails 04:28 RED-S Risk And Nuance 06:12 Diagnosing RED-S Limits 07:13 Intensity Versus Duration 08:04 Fight Camp Case Study 12:53 Performance Versus Health 14:17 Setting A Marathon Cut 16:20 Power To Weight Explained 20:24 Fueling And Periodization 24:46 Estimating Calorie Burn 27:06 Safe Weekly Loss Targets 33:32 Muscle Loss In A Deficit 38:15 Going Leaner 69 To 65 43:22 When To Cut In Marathon Block 44:11 Race Prep Weight Loss 45:25 Training Status Matters 53:11 Fueling Long Runs 54:31 Carbs Versus Fitness 01:02:56 Intensity Drives Carb Use 01:08:10 Personal Carb Oxidation 01:14:24 Bone Health Basics 01:16:39 Best Carb Food Choices 01:20:15 Whole Foods For Longevity 01:23:35 Wrap Up And Contacts

Consumer confidence and new home sales reports are on the menu today, but attention remains on looming Nvidia earnings and PCE inflation data amid brewing trade tensions. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.  Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Self-regulation is the ability to recognize and manage our emotional, mental and physical responses to stress so we can think clearly, make sound decisions, and engage effectively with others. In healthcare and other high-pressure environments, self-regulation helps individuals move beyond instinctive "fight, flight or freeze" reactions and respond with intention, empathy and professionalism. In this episode of Caring Greatly, Jennifer Luer, DNP, RN, CPPS, CPHQ, System Director of Employee Safety and Wellbeing at SSM Health, explores the powerful role of self-regulation in healthcare leadership and workplace safety. Drawing on her journey from critical care nurse to system leader, Jennifer shares how personal experience, patient safety work, and a passion for supporting care team members shaped her approach to building a healthier, safer work environment at SSM.Jennifer also discusses why employee wellbeing deserves dedicated focus, how self-regulation helps individuals stay grounded under pressure, and why creating a culture of safety requires both personal skills and system-level support. From workplace violence (WPV) prevention to leadership communication, self-regulation techniques allow individuals to regain balance during challenging moments, reduce burnout, improve communication, strengthen relationships, and maintain the capacity to provide safe, high-quality care and effective leadership.Jennifer is a registered nurse and system leader specializing in healthcare safety and quality through evidence-based best practices and continuous improvement. Her work centers on advancing emotional, physical and psychological safety for care team members and patients alike. Pursing her passion and purpose as a nurse, she joined SSM Health in 2007. Jennifer also has than 11 years of experience in process improvement, event investigation and root cause analysis. In June 2021, she transitioned into her role as System Director of Employee Safety, following leadership of Regulatory, Infection Prevention, Risk, Quality and Patient Safety. Jennifer has been instrumental in designing and implementing the Care for Caregivers program, including systemwide education on the second-victim phenomenon. She has also helped lead key initiatives such as the rollout of WPV prevention training, simplified single-icon WPV reporting, proactive EHR workflows for violence risk, and standardized tools that support a holistic approach to care team safety. Dr. Jennifer Luer is a leader who cares greatly.Related links:Article: Built on safety, powered by peopleJennifer Luer on LinkedInThe views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of Stryker. The provided resources may contain links to external websites or third-party content. We do not endorse, control or assume any responsibility for the accuracy, relevance, legality or quality of the information found on these external sites. Stryker Corporation or its divisions or other corporate affiliated entities own, use or have applied for the following trademarks or service marks: Caring Greatly, Stryker. All other trademarks are trademarks of their respective owners or holders.

In this episode of Verdict with Ted Cruz, Senator Ted Cruz welcomes Justice Thomas for a rare and personal discussion about his life story, from growing up in segregated Georgia to attending Yale Law School, confronting racism in both the South and the North, and developing the constitutional philosophy that would define his career on the Supreme Court. Thomas reflects on the people, ideas, and moments that shaped his thinking and helped forge one of the most consequential judicial careers of the modern era. Before he became a Supreme Court justice, Clarence Thomas experienced poverty in Georgia, considered the priesthood, wrestled with anger over racial injustice, and underwent a profound intellectual transformation. In this special conversation, he reflects on the experiences that shaped his life and worldview.Joined by Senator Ted Cruz, Justice Thomas discusses his upbringing in Pin Point and Savannah, Georgia, the decisive influence of his grandparents, and the role faith played throughout his life. He shares memories of segregation, Catholic education, and the lessons in discipline, responsibility, and perseverance that guided him from childhood to the nation's highest court.The conversation also explores his years in the seminary, his reaction to the civil rights era, his departure from the church as a young man, and the personal journey that eventually brought him back to foundational principles of faith and individual responsibility. Topics Covered: Thomas's childhood in Pin Point and Savannah, Georgia The influence of his grandparents, particularly Myers Anderson Faith, Catholic education, and his years in the seminary Segregation, the civil rights movement, and Brown v. Board of Education His intellectual and political evolution through college and law school Individual responsibility, liberty, and constitutional principles 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/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

#1033 | Ed and Wayne react to United's 2-0 opening-day defeat at Hull. United's poor performance breaks down into three causes: a tactical selection that didn't suit the game, a fitness gap after a staggered pre-season, and basic failure to finish chances or clear the two set pieces Hull scored from. Then there are the players. Harry Maguire and Luke Shaw remain trusted by Carrick but is their time in the team now coming to a natural end? A wider structural problem persists too; every forward likes to tuck inside, leaving nobody offering width except from full-back, which is a problem too. Then there's the tendency, called out by Bruno Fernandes, for United to play vertically when Carrick is building a side for possession. Marcus Rashford, who set up United's best chance off the bench, gets a long section of debate. Ipswich at Old Trafford is up next. 0:00 Introduction: Hull defeat and the overreaction 2:15 Analysing the defeat 7:15 Set pieces and preparation 11:25 System evolution 16:50 Maguire and Shaw 24:30 Individual performances 37:50 Rashford debate 53:45 Looking ahead If you are interested in supporting the show and accessing a weekly exclusive bonus episode, check out our Patreon page or subscribe on Apple Podcasts. Supporter funded episodes are ad-free. NQAT is available on all podcast apps and in video on YouTube. Hit that subscribe button, leave a rating and write a review on Apple or Spotify. Learn more about your ad choices. Visit podcastchoices.com/adchoices