Podcasts about Individual

David Chilton, author of The Wealthy Barber and one of Canada's most influential voices on personal finance, joins Doug Hoyes on Debt Free in 30 for an extra special double–long episode. Doug and David dig into the issues Canadians are struggling with most: the true cost of inflation, a "K-shaped" economy, housing affordability, rising student debt, the growing gap between financial knowledge and financial discipline, and more.  Subscribe to Debt Free Digest Newsletter – Don't Miss The Chance To Win a Copy of The Wealthy Barber Buy the Wealthy Barber on Indigo Buy the Wealthy Barber Audiobook The Wealthy Barber – David Chilton's Web Page 00:00 – David Chilton on the updated Wealthy Barber book 02:27 – Why storytelling works for personal finance (and how he tested it) 06:52 – TFSA vs RRSP: how to decide in real life 15:21 – Financial literacy vs discipline in today's economy 18:29 – "K-shaped" Canada: who's thriving and who's squeezed 21:27 – First steps: debt payoff vs RRSP match priorities 22:54 – Spending summaries vs budgets: the method that actually changes behaviour 34:29 – Housing affordability, down payments, and parental help 38:06 – Gambling, meme stocks, crypto: a fast-growing driver of debt trouble 55:16 – Hope and next steps: learning money basics + building side income Need Help With Debt? If debt is keeping you up at night, you don't have to endure forever. Talking to a Licensed Insolvency Trustee isn't about filing sooner — it's about understanding your options and reducing stress. Learn more at:  https://www.hoyes.com Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Kristina Castellina, the Founder of Empress Hall in Blackpool, is the special guest on today's Host Planet Podcast, sponsored by Hostfully.Kristina's advice for business owners: don't hide behind a logo. Instead, focus on building your personal brand across social media. She shares the story of the 10-bedroom Empress Hall, including how she documented every step of the refurbishment on social media – a tactic which achieved significant press coverage and helped to drive direct bookings.Learn about Kristina's entrepreneurship journey and the valuable business tips for anyone looking to make their mark. Discover how to build a brand that resonates with your audience and cultivates a strong business mindset.0:13 Hosting by the seaside in Blackpool1:35 Setting up Empress Hall and Kristina's initial goals3:38 Marketing – including documenting every step of the refurbishment on social media 4:42 How to get press coverage: contact journalists 5:45 The amenities which sell Empress Hall 7:08 Guest communication, including outsourcing 8:03 Find the gap in the market 11:37 How to attract tourists all-year-round13:26 How to grow on Instagram: build a personal brand and don't hide behind a logo17:07 The opportunities social media has created for Kristina 19:25 Website, Instagram, Facebook20:54 Favourite brand: Charles Alexandar Short Stay22:10 Individual shout-out: Swish Apartments 23:00 Biggest lesson learned: it's not for the faint hearted Looking for a great property management software or digital guidebook?You need Hostfully!Check out these special offers:Property Management Software: Get $500 off onboarding by using the code PLANET500.Digital Guidebooks: Get 30% off for life by using the code HOSTPLANETGB.Click here to sign up for Hostfully: https://tinyurl.com/3ay8bhtkKeen to book a Hostfully demo? Click here to connect with Frank Bosi: https://tinyurl.com/Hostfully-DemoEmail Frank: frank@hostfully.com Host Planet: https://www.hostplanet.club/James Varley: https://www.linkedin.com/in/jdsvarley/Kristina Castellina: https://www.linkedin.com/in/kristinacastellina/Empress Hall: https://www.empresshall.co.uk/Episode to check next: Hosting in Paradise with Robin Bass (Hold the Rum!): https://www.youtube.com/watch?v=PTEkLHIzef8&t=4sHost Planet Podcast is presented by James Varley, a holiday let investor and property manager who is also the Founder of Host Planet. Before founding Host Planet, James spent 20 years in the media, including a decade leading corporate communications for the FIFA World Cup Qatar 2022.Contact the show: info@hostplanet.club#HostPlanet #HostPlanetPodcast #HostPlanetBitesize #ShortTermRentals #VacationRentals #HolidayLets #Airbnb #BookDirect #PropertyManagement #PropertyInvestment #BookingCom #Vrbo #JamesVarley #Hostfully #PMS #DigitalGuidebooks #SpecialOffer

Canon Benjamin Norman, ICKSP, was ordained in 2018. He currently serves at Most Holy Rosary Chapel (St. Vincent's School For Boys) in the Archdiocese of San Francisco. In Today's Show: The history of Newman Centers. Is a family Mass the same as Mass for an individual? Can a Catholic attend and be the best man at a gay wedding? Are last rites enough to save someone's soul? What do people mean when they say "Holy See"? Why did the Holy Family not know Jesus was gone for three days in the temple?  Does the ICKSP have its readings in vernacular or Latin? Is there a vigil Mass for the Solemnity of Mary? And more. Visit the show page at thestationofthecross.com/askapriest to listen live, check out the weekly lineup, listen to podcasts of past episodes, watch live video, find show resources, sign up for our mailing list of upcoming shows, and submit your question for Father!

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Welcome back to another episode of School Counseling Simplified. Happy December. Today we are doing a throwback to one of my favorite episodes, all about three must-have data tools for individual counseling. Data collection does not have to be complicated or time consuming. Having simple systems in place allows you to track student progress, guide your sessions, and advocate for your role with confidence. In this episode, I am sharing my three go-to data collection tools for individual counseling and how to use them effectively. Self Assessments Self assessments are pre and post surveys that help you understand how students perceive their own counseling progress. Each question should align with the objective you are teaching during that session, which helps ensure your data is purposeful and meaningful. Questions should be written in age appropriate language and include clear directions at the top. Be sure to include the student's name and the date, and remind students that there are no right or wrong answers. Self assessments can be completed on paper or through a Google Form, which allows you to easily view results and identify trends. These assessments help highlight skill deficits and guide future instruction. Student Rating Scales Student rating scales provide quick insight into how students are feeling session to session. A simple one-to-ten scale works well, allowing students to color in or mark how they are feeling that day. Using large block fonts and visual elements can make this activity more engaging for students. Rating scales are typically completed at the start of each session and provide valuable data that is fast and easy to collect. Behavior Surveys Behavior surveys are sent to teachers and parents to gather information about student behavior across different settings. These surveys should include the topic being addressed, the student's name, the rater's name, the rater's relationship to the student, and the date. Behavior surveys are given at the start of services and again at the end to measure growth over time. Because students often behave differently at home and at school, input from both teachers and caregivers is essential. Google Forms work especially well for collecting and organizing this data. Using Your Data Once you have collected your data, it is important to use it intentionally. Data can be showcased on a data wall displayed in a high traffic area of the school to help bring awareness to the counseling profession and the services you provide. Data can also be used to create individual end of year reports and to drive instruction as you refine and improve your counseling programs. If you are looking for low prep, done-for-you assessments, be sure to check out my individual counseling curriculum.   Resources Mentioned: Join IMPACT Individual counseling super bundle Connect with Rachel: TpT Store Blog Instagram Facebook Page Facebook Group Pinterest Youtube   More About School Counseling Simplified: School Counseling Simplified is a podcast offering easy to implement strategies for busy school counselors. The host, Rachel Davis from Bright Futures Counseling, shares tips and tricks she has learned from her years of experience as a school counselor both in the US and at an international school in Costa Rica. You can listen to School Counseling Simplified on Apple Podcasts, Spotify, Google Podcasts, and more!    

What if the universe has been leaving you breadcrumbs all along, and you've been too busy planning to notice them?Host, Dr. Katie Deming shares how she completely transformed her approach to life after her shared death experience and leaving Western medicine. Instead of forcing goals and pushing through obstacles, she now follows signs and synchronicities that appear in her daily life. She explains the difference between these two concepts and why paying attention to them opens up possibilities you could never plan for yourself. Through personal stories that range from broken laptops to missing keys, she shows how even frustrating moments might be protecting you from something you can't see yet.The heart of the conversation centers on a remarkable story involving a Rolex watch, a midnight intuition, and a dating app Dr. Katie swore she'd never use. What unfolded demonstrates how following seemingly illogical guidance can lead to connections and openings that feel almost magical. Chapters:00:04:10 - Stop Forcing the Plan00:07:02 - Closing a Cycle, Opening a New One00:14:30 - Her Midnight Nudge00:24:30 - When Life Delays You for a Reason00:32:44 - Surrender to What Is, Then Follow the SignsDr. Katie also gets vulnerable about recent losses in her business and personal life, revealing how she's learned to recognize when it's time to let go rather than get dragged through the gravel trying to hold on.Dr. Katie explains how this approach applies directly to healing, particularly when you're faced with a diagnosis that feels like it's derailing your plans.Listen and Learn how to understand why following signs requires patience, how to avoid getting attached to outcomes, and what happens when you trust that the magic ahead is better than anything you could orchestrate yourself.Access the FREE Water Fasting Masterclass Now: https://www.katiedeming.com/the-healing-power-of-fasting/ Transform your hydration with the system that delivers filtered, mineralized, and structured water all in one. Spring Aqua System: https://springaqua.info/drkatieDownload the FREE Healing Tools Guide: https://bit.ly/drkatie-giftguide MORE FROM KATIE DEMING M.D. Work with Dr. Katie: www.katiedeming.com 6 Pillars of Healing Cancer Workshop Series - Click Here to Enroll Follow Dr. Katie Deming on Instagram: https://www.instagram.com/katiedemingmd/ Email: INFO@KATIEDEMING.COM Please Support the Show Share this episode with friends & family Give a Review on Spotify Give a Review on Apple Podcast Watch on Youtube: https://youtube.com/playlist?list=PL5LplU70TE9i01tW_7Tozi8b6X6rGBKA2&si=ZXLy5PjM7daD6AV5 DISCLAIMER: The Born to Heal Podcast is intended for informational purposes only and is not a substitute for seeking professional medical advice, diagnosis, or treatment. Individual medical histories are unique; therefore, this episode should not ...

Peace in a Pressured World | Individual Message | Pastor Joshua Edmon by Emmanuel Christian Center

As you prepare your new year's resolutions, take a moment to ask, "What's your elevator pitch?" This holiday week, we're sharing a classic episode featuring an inspirational and thought-provoking scenario that you can bring into your personal and professional life. A claims adjuster is out at a party when they are asked: "So, what do you do for a living?" Our adjuster responds with just: "I'm in insurance claims." That's an "Oh no" moment. Turns out their cousin had a terrible experience on a claim and our adjuster is going to hear all about it, ending in: "You claims people are all cheaters!"  Notable Timestamps [ 00:36 ] - Today's scenario begins as an interpersonal encounter about explaining your career in insurance, but the elevator pitch is applicable even on claims. [ 02:05 ] - What our claims professional needed was an elevator pitch: a succinct, prepared, organized response. Whether at a party or at a claims site, our adjuster wants to know how to summarize their thoughts in a persuasive way. Ding Ding! Your elevator's here! Are you ready? [ 02:30 ] - Mike was asked: "what's your elevator pitch?" That was an "oh no" moment... [ 03:35 ] - An elevator pitch is a simple presentation that you give in the time it would take to ride an elevator: around 30 seconds. [ 04:18 ] - 1. Grab 'em at the beginning. Get their attention with a great opening. [ 04:25 ] - 2. Tell 'em what you're gonna tell 'em. Be organized in your thought process. [ 04:32 ] - 3. Hit 'em with your bid conclusion/sell/ask. Be brief and practiced. [ 05:11 ] - Alissha: "So, what do you do for a living?" Mike: 1. "I allow you to take the risks to make life worth living." 2. "Without insurance, you wouldn't be able to insure your home or car." 3. "We step in when bad things happen and we hope to get people back on their feet." [ 09:15 ] - Be prepared, be organized, be succinct. [ 10:00 ] - Let's say an insured has suffered a casualty loss. How can an elevator pitch help? 1. "I'm so sorry that this happened." Take a moment to express sincere empathy. 2. Review the medical records / facts. 3. "I know that this has impacted your life, so how about we take care of your damages?" [ 11:50 ] - What's the pitch for a hurricane loss? Again, start off with an emotional connection. Second, spell out the steps to get them back into the place they were before the accident. Third, conclude with the ask and what you need for the next steps. [ 13:35 ] - Mike applies the elevator pitch to auto claims handling. [ 15:42 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources Mike's PLRB Presents presentation on this topic: https://www.plrb.org/courses/pitching-in-an-elevator-2/lessons/pitching-in-an-elevator/ Webinar: Designing & Delivering Effective Business Presentations - https://www.plrb.org/courses/designing-delivering-effective-business-presentations/lessons/designing-delivering-effective-business-presentations/ Claims Chat: Why Should You Consider Claims as a Career? - https://www.plrb.org/courses/why-should-you-consider-claims-as-a-career/lessons/why-should-you-consider-claims-as-a-career/    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 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).

We're starting this episode on a high — celebrating our Spotify Wrapped 2025 win, looking back at the things we actually showed up for this year, and recapping how 2025 really went. From there, things spiral in true MOS fashion. We play Guilty or Not?, debate whether Goa is still the default New Year's Eve personality. The conversation then takes a sharp turn into rich-people behaviour. Somewhere in between, Kim Kardashian's pubic hair wig enters the chat — followed by a much-needed, grown-girl conversation on intimate hygiene in collaboration with Lactacyd, the world's No.1 intimate care brand. Lactacyd's scientifically formulated intimate wash is designed specifically for intimate skin, helping maintain hygiene and comfort as part of your everyday self-care routine — because taking care of yourself should be normal.We also launched the MOS website's Gossip Wall, sharing ways people catch cheaters, and finally hosting the MOS Awards 2025. #ADCheck out @India.Lactacyd – the world's no. 1 intimate care brand. Scientifically formulated wash for your intimate skin. Buy on Amazon:https://www.amazon.in/dp/B0882C147Q/?m=A3SSLR4ZHBRG20/ref=lacamdec(00:00) – Hello hi, we've entered the chat(02:11) – Spotify Wrapped said we won(04:17) – 2025 recap: things we actually did right(06:54) – Christmas 2025 ft. vibes, chaos & snacks(09:03) – Game time: Guilty or Not? (be honest)(11:38) – Is Goa still NYE core or are we tired now?(14:13) – Healing is switching to whole wheat (16:45) – Rich people things: Anant Ambani, Rolex & us observing(18:45) – Return gifts but make them rich(23:34) – Watching The Crown as an Indian = free rage therapy(26:33) – Burj Khalifa dreams vs Delhi bungalow reality(28:57) – Traitors, Rebel Kid & internet opinions we didn't ask for(30:56) – Kim K's pubic hair wig + Lactacyd moment(33:22) – Saif Ali Khan attack news & collective shock(36:05) – Did you stalk our website yet? Gossip Wall is LIVE(40:45) – How to catch a cheater (45:36) – MOS Awards 2025(50:40) – Like, subscribe, share, hype & help us manifest 100KVisit our website- https://mos-pod.com/Follow MoS on Instagram:https://www.instagram.com/momentofsil...Credits: Naina Bhan - Co-host and certified overthinkerhttps://www.instagram.com/nainabee?ig...Sakshi Shivdasani - Co-host, balancing out Naina's overthinking with a healthy dose of not thinkinghttps://www.instagram.com/sakshishivd...Senior Producer- Amruta P. www.linkedin.com/in/amruta-bandivdekar-01879925Produced by Handmade - Our personal cheering squad https://www.instagram.com/thehandmade...Creative direction by Tinkre, Keeper of MoS' signature “Pookie” energy Natascha Mehrahttps://www.instagram.com/tinkre.in/?hl=enhttps://www.instagram.com/natascha.zip/?hl=en Researched by our very own curiosity engineer - Aashna Sharma https://www.linkedin.com/in/aashna-sharma-913146179Disclaimer: This content is for general awareness and reflects my personal experience. It is not medical advice and isn't meant to diagnose, treat, cure, or prevent any condition. Helps match natural pH” refers to the known action of lactic acid as supported by published literature. Individual results may vary, and no therapeutic benefits are implied. ( Indian J Dermatol Venereol Leprol 2023;89:729-32 | Antibiotics 2020,9,55) Helps provide comfort from itching, irritation, burning and bad odour (: J Pak Med Assoc 2016 May;66(5):521-7). Please consult a registered medical practitioner for any medical advice.MAT-IN-2501422 v1.0.12.25The views and opinions expressed on this podcast are for entertaining purposes only and do not necessarily reflect those of the hosts, the production team, or affiliated brand. We don't claim to be experts- just two people with Wi-fi and feelings. While we encourage open dialogue, we do not guarantee the accuracy, completeness, or reliability of any information shared. Listener discretion is advised — especially if you're allergic to strong opinions.

In this thought-provoking episode of The Constance Messmer Podcast I explore the quest for human destiny—what it means, why it matters, and how individual choice shapes our collective future. Rather than destiny being something fixed or imposed, we can explore it as an unfolding relationship between awareness, responsibility, and consciousness. This episode invites you to consider how your thoughts, actions, and inner alignment contribute to humanity's larger story. Through calm reflection and grounded insight, I discuss purpose, free will, and why this moment in human history carries such significance. This is an expansive conversation for anyone questioning meaning, direction, and our shared role in what comes next.

Send us a textThis week,We open the episode by looking back at our Individual 2025 goals, holding each other to account and seeing which challenges we smashed… and which ones escaped us. From content to travel ambitions, it's an honest reflection before we set our sights firmly on new goals for 2026.In Pokémon GO news, we break down January's content update, covering everything Trainers need to know about Max Battles, 5-Star Raids, Raid Hours, Shadow Raids, Mega Raids, Spotlight Hours, and upcoming in-game events. We also touch on the January GO Pass, featuring Dialga and the return of the Lucky Trinket.It's game time as Ian hosts The Generation Game, where knowledge is tested and bragging rights are on the line as we guess which generation different Pokémon come from.Next, we dive into more January highlights, including Community Day Classic featuring Piplup, with dates, featured attacks, ticket details, bonuses, and extended lure modules. We also cover the Pinch Perfect event, introducing Klawf, plus wild spawns, raids, research, bonuses, and paid Timed Research. Finally, we unpack the Kyurem Fusion Raid Day, including event bonuses, featured attacks, Adventure Effects, and ticket options.We wrap up with a big open discussion on podcast goals for 2026, sharing what we want Incensed! to become next year, before finishing with your Shinies of the Week.We'd like to say a massive thank you to all of our Patrons for your support, with credited Patrons from featured tiers below:#GOLDJB, Kerry & Zachary, Barside2, Mandy Croft, Mr Mossom, DeanDHL, Masterlaxus42 & DamonMac08.#SILVERKLXVI, Dell Hazard, Spindiana, Lori Beck, Steve In Norway, CeeCeeismad, Macfloof, Saul Haberfield, Lizzie George, Sander Van Den Dreiesche, Neonnet, Ellen Rushton, James Alexander, Northern Soph, Tom Cattle, Charley Todd, Robert Wilson, MissSummerOf69, Malcolm Grinter, Jordi Castel, Thehotweasel, shinyikeamom, TonyOfPride, Joohno, Malcolm Burgess & mrj4ck4l, littlestsparkle & Zontok. Support the showFind us on Niantic Campfire: CLICK MESend us a voice message on WhatsApp: +44 7592695696Email us: contact@incensedpodcast.comIf you'd like to buy merch, you can find us by clicking HERE for U.K. store, HERE for U.S. Oceana store or copy this link: https://incensedpodcast.myspreadshop.net/ for U.K. store or this link: https://incensed-podcast.myspreadshop.com/ for U.S. Oceana store!Hosted By: PoGoMiloUK, Ian Waterfall & Masterful 27. Produced & Edited By: Ian Waterfall & PoGoMiloUK. Administrators: HermesNinja & IAMP1RU5.Pokémon is Copyright Gamefreak, Nintendo and The Pokémon Company 2001-2016All names owned and trademarked by Nintendo, Niantic, The Pokémon Company, and Gamefreak are property of their respective owners.

#952 | Manchester United beat Newcastle 1-0 at Old Trafford and nobody left feeling relaxed. Ed and Dharnish break down an exhausting win defined by one moment of quality and a lot of defensive survival. We talk through Patrick Dorgu's stunning volley, a first Premier League goal that settled the game early, before Newcastle spent the rest of the afternoon throwing everything at United. Injuries, makeshift selections, and long spells without the ball forced Ruben Amorim into a far more conservative second-half approach than planned. There's analysis of the changes after half-time and the decision to protect the lead rather than chase more goals. We also zoom out to the bigger picture: what this result says about United's season, Amorim's risk tolerance, and how January squad questions are becoming harder to avoid. 00:00 Introduction 01:59 First-half setup, tempo, and United's early control 05:17 Second-half siege mentality and defensive reshuffle 11:05 Individual performances 18:54 Amorim's in-game management and tactical compromises 36:27 Press conferences, messaging, and narrative 43:44 Wolves next and what this win means for the season 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

Debt is at record highs, yet insolvencies are flat. Why? In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted Michalos explain a financial paradox that's leaving millions of Canadians stressed, exhausted, and confused. The answer isn't that people are okay. It's that people are enduring. If you're paying your bills but still feel like you're drowning, this episode is for you. Coming Up Next Next episode: a special double episode with David Chilton (The Wealthy Barber) — a practical conversation about money, debt, and what Canadians are really facing heading into 2026.  2025 Predictions Show Office of the Superintendent of Bankruptcy, Insolvency Statistics Statistics Canada, Household debt levels (including credit cards) Statistics Canada, CPI (Inflation) Mortgage Rates, Bank of Canada Hoyes Michalos Homeowners Bankruptcy Index TransUnion, Canadian Consumer Debt Continues to Grow Despite Macroeconomic Relief Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario In This Episode, You'll Learn: · Why people don't file when debt rises — they file when cash flow breaks · How inflation pushed credit card balances higher without immediate defaults · Why paying the minimum isn't a solution — it's a delay · How balance transfers and mortgage equity are masking financial stress · Why insolvencies tend to stay flat, then jump · What would trigger a surge in personal insolvencies · Our 2026 insolvency predictions for Ontario · Why relief isn't failure — and how getting advice early preserves options (00:00) You're Not Failing — You're Enduring (02:30) Debt Is Exploding, So Why Aren't Bankruptcies Rising? (05:20) People Don't File When Debt Rises — They File When Cash Flow Breaks (08:10) Why Credit Card Debt Is Rising Without Defaults (11:00) Paying the Minimum Is Buying Time — Not Solving the Problem (14:00) Who's Carrying the Debt Now (And Why That Matters) (17:10) Why Inflation Changed How Insolvencies Work (20:20) The Hidden Delay: Interest Rates Haven't Fully Hit Yet (23:40) Mortgage Equity Is Masking Financial Stress (27:00) Why Insolvencies Don't Rise Gradually — They Snap (30:00) Why Convexity Shows Up Later (32:40) The Paperclip Effect: Endurance vs. Breaking (34:10) What Would Trigger a Surge in Insolvencies? (35:30) Our 2026 Insolvency Predictions (38:00) Relief Isn't Failure — It's a Reset Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

In this episode, Andrea Gordon shares her insights on how to maintain individualized attention while being a top-producing real estate agent.

'Man's best friend' sure sounds better than 'obligatory symbiont', but what are the true dynamics at play?There's no denying the bond people feel and the attachment dogs have for their humans, but if we put that beautiful relationship under scientific scrutiny, does it hold up?Can any dog go 'full Lassie' if you (or Timmy) get stuck down a well?Will your dog save you?Featuring:Professor Clive Wynne, animal psychologist, Arizona State UniversityDr. Mia Cobb, Chaser Innovation Research Fellow (Canine Welfare Science), Animal Welfare Science Centre at the University of MelbourneProfessor Chris Johnson, the University of TasmaniaDr. Annika Bremhorst, founder of Dogs and Science, and canine scientist at the University of BernFurther reading:Importance of a species' socioecology: Wolves outperform dogs in a conspecific cooperation taskPet dogs release their trapped and distressed owners: Individual variation and evidence of emotional contagionGood dog! Using livestock guardian dogs to protect livestock from predators in Australia's extensive grazing systemsProduction:Ann Jones, Presenter / ProducerNat Tencic, ProducerRebecca McLaren, ProducerPetria Ladgrove, Executive ProducerThis episode of What the Duck?! was originally broadcast in May and was produced on the land of the Wadawarrung, Wurundjeri Woi-wurrung and Taungurung people.Find more episodes of the ABC podcast, What the Duck?! with the always curious Dr Ann Jones exploring the mysteries of nature on the ABC Listen app (Australia) or wherever you get your podcasts. You'll learn more about the weird and unusual aspects of our natural world in a quirky, fun way with easy to understand science.

Survivor New Era Winner Rankings Today, Rob Cesternino, Mike Bloom, and Shannon Guss rank the Survivor New Era winners! On this Survivor-packed episode of “Rob Has a Podcast,” Rob Cesternino welcomes Shannon Gus and Mike Bloom for the ultimate Survivor New Era winner rankings. The panel attempts the impossible: ranking the winners from Survivor seasons 41-49. With wit and deep Survivor knowledge, they navigate a daunting list where every name holds a million-dollar title, and every ranking is sure to spark discussion. Along the way, they open up about their own criteria and biases—what's more important, the social game or physical dominance? Big moves or flawless consistency? The conversation is both meticulous and subjective, as the panel highlights the strengths, weaknesses, and surprising moments that defined each winner's game. The panel discuss: – Individual winner analyses, from Gabler's undercover triumph to D's all-around dominance – Lively discussion about what truly makes a great Survivor winner – Audience insights, with over 5,000 fan votes counted for the final, “unimpeachable” ranking – Laughs, a touch of controversy, and an honest look at what it means to win Survivor in the New Era For superfans, casual viewers, and anyone who loves a good debate, this episode is Survivor coverage at its finest. To pre-order Rob’s book, The Tribe and I Have Spoken, visit www.robhasabook.com Never miss a minute of RHAP's extensive Survivor coverage! LISTEN: Subscribe to the Survivor podcast feed WATCH:  Watch and subscribe to the podcast on YouTube SUPPORT:  Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks!

#673: Welcome to Greatest Hits Week – five days, five episodes from our vault, spelling out F-I-I-R-E. Today's second letter I stands for Investing. This episode originally aired in April 2022, but the framework remains one of the most practical guides we've shared for building wealth at any age. Nick Maggiulli joins us to reveal why most young investors obsess over the wrong metrics — and shares his Save-Invest Continuum that shows exactly when your savings beat your investment returns, and when that changes.  _____ When Nick Maggiulli was in his twenties, he spent countless hours obsessing over his investment portfolio – tweaking his asset allocation, running net worth projections, and building complex spreadsheets.  Meanwhile, he was blowing $100 every weekend partying in San Francisco. It took him years to realize the absurdity. His annual investment returns on his tiny $1,000 portfolio might earn him $100 – the same amount he'd spend in a single night out. Maggiulli joins us to explain why young investors focus on the wrong things and shares his framework for knowing when to prioritize saving versus investing.  He introduces the Save-Invest Continuum, which compares your expected annual savings against your expected investment returns.  When you're starting out, your ability to save dwarfs any investment gains. A $6,000 annual savings capacity beats a $100 investment return every time. We discuss the math behind saving 50 percent of future raises, not for guilt or deprivation, but to maintain lifestyle balance while building wealth.  This rule applies only to real raises above inflation. If you get a 3 percent raise during 3 percent inflation, you haven't actually gotten ahead. The conversation turns to unconventional income-producing assets. Beyond stocks and bonds, Maggiulli explores farmland investing, which offers returns uncorrelated with traditional markets.  He shares the story of someone who bought the royalty rights to Jay-Z and Alicia Keys' "Empire State of Mind" for $190,000. The song earned $32,733 in royalties the previous year — an 11 percent return if that income stays constant. We examine why 85 to 90 percent of your portfolio should generate income through dividends, rent, interest, or business profits.  Maggiulli keeps his speculative investments — cryptocurrency, art, and individual stocks — under 10 percent of his net worth. He admits his two individual stock picks are down 60 to 70 percent, proving his own point about avoiding stock picking. The episode reveals that time remains your most important asset. Warren Buffett would likely trade his entire fortune — and go into debt — to be 35 again.  This perspective shapes every financial decision, from choosing income strategies to deciding between assets that merely appreciate versus those that pay you while you sleep. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Nick's mistake of obsessing over investments while partying away returns (05:31) The Save-Invest Continuum explained (08:11) When savings matter more than investment returns (12:31) Focusing on both saving and investing in midlife (13:11) Crossover point: when investment returns exceed spending (14:11) The 2X Rule for guilt-free spending (15:31) Save 50 percent of future raises (20:41) Five ways to increase income (26:31) Selling time versus selling skills (28:11) Teaching and creating products for income (30:11) Climbing the corporate ladder (31:11) Converting human capital to financial capital (32:31) Income-producing versus speculative assets (36:11) Individual stocks and cryptocurrency allocation (43:51) Farmland investing basics (45:31) Royalty investing example (49:31) Art and non-income producing assets (51:11) Inflation and debt strategies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Survivor New Era Winner Rankings Today, Rob Cesternino, Mike Bloom, and Shannon Guss rank the Survivor New Era winners! On this Survivor-packed episode of “Rob Has a Podcast,” Rob Cesternino welcomes Shannon Gus and Mike Bloom for the ultimate Survivor New Era winner rankings. The panel attempts the impossible: ranking the winners from Survivor seasons 41-49. With wit and deep Survivor knowledge, they navigate a daunting list where every name holds a million-dollar title, and every ranking is sure to spark discussion. Along the way, they open up about their own criteria and biases—what's more important, the social game or physical dominance? Big moves or flawless consistency? The conversation is both meticulous and subjective, as the panel highlights the strengths, weaknesses, and surprising moments that defined each winner's game. The panel discuss: – Individual winner analyses, from Gabler's undercover triumph to D's all-around dominance – Lively discussion about what truly makes a great Survivor winner – Audience insights, with over 5,000 fan votes counted for the final, “unimpeachable” ranking – Laughs, a touch of controversy, and an honest look at what it means to win Survivor in the New Era For superfans, casual viewers, and anyone who loves a good debate, this episode is Survivor coverage at its finest. To pre-order Rob’s book, The Tribe and I Have Spoken, visit www.robhasabook.com Never miss a minute of RHAP's extensive Survivor coverage! LISTEN: Subscribe to the Survivor podcast feed WATCH:  Watch and subscribe to the podcast on YouTube SUPPORT:  Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks!

HOW MUCH DO DENTAL IMPLANTS COST!? Download the FREE Guide to Dental Implants Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/3MK6x31Want to know if you may be eligible for Permanent Teeth in 24 Hours? Take the 60-Sec Quiz Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/49oywwX▬▬▬▬▬▬▬▬ Contents of this video ▬▬▬▬▬▬▬▬▬▬Disclaimer: Nuvia Dental Implant Centers are locally owned and operated by licensed dental practitioners. These locally owned and operated practices are part of a professional network of dental implant centers operated by prosthodontists, oral surgeons, and restorative dentists. Each Nuvia Dental Implant Center has a business affiliation with Nuvia MSO, LLC, a Dental Support Organization that provides non-clinical support to each center.*Nuvia Dental Implant Centers are able to provide patients with a bridge made with an FDA approved permanent material, zirconia, in 24-hours. No temporary denture. Not all those who come in for a consultation are medically cleared to receive permanent zirconia teeth in 24-hours. Follow up appointments are required to confirm implant integration and make adjustments if necessary. Results may vary in individual cases. Patients represented in videos are actual NUVIA patient(s) and may have been compensated for their time in telling their story.*While soft foods immediately after surgery are generally approved by our clinical team, the local surgeon may give individual instruction on dental implant aftercare according to the specific circumstances applicable to each case.To hear patient's speech after prosthetic placement please search Nuvia Dental Implant Center on YouTube and watch patient stories. *Individual results may vary based on a number of factors.Copyright 2024. Nuvia Dental Implant Centers. All rights reserved.

PREVIEW WARNING AGAINST FRAGMENTED STATE-LEVEL AI REGULATION Colleague Kevin Frazier. Kevin Frazier, a University of Texas Law School fellow, warns against fragmented AI regulation by individual states seeking tax revenue. He advocates for a national framework rather than hasty local laws, arguing that allowing technology to develop through "trial and error" is superior to heavy-handed, immediate restrictions.

When someone you love faces a serious health challenge, what gift could you possibly give them that actually supports their body's ability to heal?Dr. Katie Deming breaks down her go-to gifts for healing for 2025 and beyond. These aren't your typical wellness recommendations. She's sharing the specific tools she uses in her own healing practice and gives to loved ones facing health challenges. Discover five accessible items that target the foundation of healing, from calming your nervous system in seconds to optimizing the water you drink every day. These are the things Dr. Katie reaches for first when someone needs real support.Dr. Katie explains exactly why each item matters, how it works in your body, and what makes it different from similar products on the market. She's also included her stretch list for those ready to make bigger investments in their healing.You'll walk away with practical knowledge you can use right away, plus insider recommendations on brands Dr. Katie trusts from personal experience.Listen and Learn what tools truly make a difference when you or someone you care about needs real healing support.Download the FREE Gift Guide: https://bit.ly/drkatie-giftguideEPISODES MENTIONED: How Hydrogen Water Helps Prevent Chronic Illness with Dr. Paul Barattiero | EP 87:https://youtu.be/u-afvtWvXqY?si=uRgpIF7xWYhjCZhCAńalemma Water: Boosting Energy, Focus, & Healing w/ Mario Branović - Earth Technologies CEO | EP 80: https://youtu.be/nsZd9iWS9lY?si=8d25PbWoL_fuGTlYThe Science Behind Red Light Therapy and Healing w/ Bryant Meyers (Photobiomodulation) | EP 72: https://youtu.be/P4Dvcv2Xl8Y?si=c7MQ4ZG1HMG4gsLVPEMF and Healing Cancer: What You Need to Know with Energy Medicine Expert Bryant Meyers | EP 60 https://podlink.com/1585725298/episode/QnV6enNwcm91dC0xNTcwNjIwNAExeTransform your hydration with the system that delivers filtered, mineralized, and structured water all in one. Spring Aqua System: https://springaqua.info/drkatieMORE FROM KATIE DEMING M.D. Work with Dr. Katie: www.katiedeming.com 6 Pillars of Healing Cancer Workshop Series - Click Here to Enroll Follow Dr. Katie Deming on Instagram: https://www.instagram.com/katiedemingmd/ Email: INFO@KATIEDEMING.COM Please Support the Show Share this episode with a friend or family member Give a Review on Spotify Give a Review on Apple Podcast Watch on Youtube: https://youtube.com/playlist?list=PL5LplU70TE9i01tW_7Tozi8b6X6rGBKA2&si=ZXLy5PjM7daD6AV5 DISCLAIMER: The Born to Heal Podcast is intended for informational purposes only and is not a substitute for seeking professional medical advice, diagnosis, or treatment. Individual medical histories are unique; therefore, this episode should not be used to diagnose, treat, cure, or prevent any disease without consulting your healthcare provider.

In this episode, Carlos Gonzalez de Villaumbrosia speaks with Rachel Wolan, CPO at Webflow, the visual development platform valued at $4 billion that empowers over 3.5 million designers worldwide. Rachel discusses Webflow's bold strategy to evolve into an AI-native experience platform with the launch of AppGen, a tool bridging the critical gap between AI prototyping and true production for enterprises like The New York Times and Spotify.What you'll learn:The ICCPO Framework: Why modern leaders must remain patient zero and use their own tools to understand the systems they build.From SEO to AEO: Why Product Managers must now own Answer Engine Optimization as a primary distribution channel.AppGen Strategy: How to move beyond simple wrappers to generate full-stack, on-brand web apps directly from prompts.Key Takeaways

The wellness world keeps telling women to "just try harder." Today, I'm drawing a line in the sand. In this episode, I share why I refuse to give the same outdated wellness advice — and what ACTUALLY creates healing, stability, emotional clarity, gut-brain balance, and transformation. If you've ever been told: "Just meditate."  "Just eat cleaner."  "Just move more."  "Just balance your hormones."  "Just think positively."  …and you STILL felt exhausted, inflamed, anxious, or stuck… this episode will change everything. You're not failing. Your nervous system is dysregulated, and no strategy works without stability. In this episode, you'll learn: ✨ Why traditional wellness advice backfires ✨ The real reason women can't "just calm down" or "just be more disciplined." ✨ How the EASE OS™ method rewires the gut–brain axis, nervous system, and identity ✨ Why state BEFORE strategy is the secret to sustainable transformation ✨ How to stop shaming your biology and finally work WITH your system, not against it This is the episode your future self will thank you for. ⏱️ TIMESTAMPS 00:00 → Introduction to EASE OS Podcast 01:30 → The Wellness Advice I Refuse to Give 03:02 → Shifting Responsibility from the Individual to the System 05:07 → Why Strategy Fails Without Stability 06:42 → Understanding the Vagus Nerve and Regulation 07:56 → Sustainable Change Through State Shifting 09:27 → The Benefits of Systemic Stability 11:08 → Why 2026 is the Year of Nervous System Healing 12:15 → Free 15-Minute Nervous System Reset

During this time of year as many people are exchanging presents, I'm sure you're all wondering exactly how those various gadgets would be classified under the HO3 policy. So for this holiday week, we're sharing a classic episode featuring an excellent coverage scenario. The insured, a father of 4, was out buying Christmas gifts for his children. This year he decided to splurge and buy each of them a drone and an Apple Watch. On his way back home, he stopped to get gas, and when he went into the minimart for coffee, a thief stole everything out of the back seat. The insured notified the police and submitted a claim under his ISO 1991-edition HO3. The adjuster considers this to be a covered Theft loss, but she knows there are specific provisions in the policy for watches and aircraft. Notable Timestamps [ 00:17 ] - A theft claim is submitted for four drones and four smartwatches under the 1991 HO3. The question arises whether special provisions for aircraft and watches applies. [ 01:27 ] - The team debates the merits of drones and smartwatches, their capabilities for wall damage and dog-scaring, and the wisdom of being notified emails the instant they are received. [ 03:09 ] - A $1,000 special limit of liability applies to theft of "watches." Is an Apple Watch a watch? [ 03:42 ] - Alissha argues that smartwatches are too different from a basic time-telling watch, and is more like a phone. Smartwatches were likely not part of the original policy intent. [ 04:55 ] - Mike argues that it's called an "Apple Watch" -- its makers and users consider it a watch, even if it's more complex. [ 06:05 ] - The group quotes Shakespeare and Merriam-Webster; it tells the time and it's on your wrist, so… [ 06:30 ] - Grassie v. Merrimack Mut. Fire Ins. Co., 291 A.2d 254 (N.H. 1972) (watches that were inoperable and kept in display case were still subject to special limit of liability for theft of watches). [ 07:00 ] - Ambiguities are construed in favor of the insured. So both sides need to hire a good lawyer. [ 07:52 ] - How would the policy treat an iPhone strapped to your arm? Coverage C would likely provide full coverage for a smartphone. [ 09:51 ] -  "Property Not Covered" includes "aircraft"… but "model or hobby aircraft not used or designed to carry people or cargo" are covered.  [ 10:20 ] - Toy drones likely fall under hobby aircraft. [ 11:15 ] - This scenario looked at what's covered property, but a drone could also be a covered cause of loss, even if it destroys itself. [ 12:40 ] - Unlike BP and CP forms, there's no concern about the loss happening off-premises; homeowners get worldwide coverage for Coverage C. [ 14:19 ] - In the 2022 ISO form, a $2,000 special limit of liability applies to model or hobby aircraft. [ 15:51 ] - Under the recovered property provision, if the thief is caught after the amount is paid, the insured can choose to return the payment or have the insurer salvage the goods. [ 18:00 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources FAQ, Drones and First Party Property Coverage, http://search.plrb.org/?DN=60514 FAQ, Is a Drone an Aircraft Under the CGL Policy?, http://search.plrb.org/?DN=56440 Coverage Question on "Is An Apple Watch Considered A Watch Or A Computer?" - https://search.plrb.org/?dn=58826&src=gsa 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/container.cfm?conlink=sec/cq/default.cfm) 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 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).

Ed Troup and Jacob Recht give shout outs to Kenneth Gainwell and Aaron Rodgers as the most impactful 2025 acquisitions for the Steelers, and they look at all the hypotheticals regarding the postseason with only two weeks left in the regular season.See omnystudio.com/listener for privacy information.

Join Coach, Mitch and Gabby (for 10 minutes before her internet went) as they pick the bones out of Arsenal's hard fought win at Everton's new Stadium.The Gang talk about:- Arsenal's slow start in the game and others this season- How Arsenal can help Gyokeres and how he can help himself - Individual performances like Zubimendi and Odegaard - Much more!Tap In!

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

On this episode, María José Marín shares her journey from a young golfer in Colombia to a successful collegiate athlete at the University of Arkansas. She discusses her heartwarming surprise visit to her family, her early experiences in golf, the structure of junior golf in Colombia, and the transition to college golf. Maria reflects on the importance of representing her country, the impact of winning the individual national championship, and her experiences with golf legends like Annika Sorenstam. She also shares insights on managing nerves during major tournaments and the essentials for traveling as a golfer. María José Marín - University of Arkansas Women's GolfThe Back of the Range - All Access Subscribe to The Back of the Range Subscribe in Apple Podcasts and SPOTIFY!Also Subscribe in YouTube,   Google Play , Overcast, Stitcher  Follow on Social Media! Email us:   ben@thebackoftherange.comWebsite: www.thebackoftherange.com  Voice Work by Mitch Phillips 

If you're carrying serious debt but also have money in an RRSP, TFSA, or other investments, one of the biggest fears is this: Will I lose everything if I get help? Doug Hoyes and Ted Michalos, Licensed Insolvency Trustees, break down what actually happens to your investments when debt becomes unmanageable. They explain which assets are protected under Canadian insolvency law, which are at risk, and when cashing out savings can do more long-term harm than good. CRA TFSA Contribution Calculator Bankruptcy & Insolvency Act, paragraph 67  Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario (00:00) Debt and investments: will savings survive serious debt? (02:10) The fear of "losing everything" when seeking debt help (04:20) Pressure to cash in investments before asking for help (06:30) Using a TFSA to pay debt: when it makes sense (09:10) RRSP withdrawals and the real tax consequences (12:45) Why multiple RRSP withdrawals don't reduce total tax owed (15:30) What happens to RRSPs and pensions in bankruptcy (18:40) Which investments are not protected in insolvency (21:30) Consumer proposals vs. bankruptcy: what you keep (24:30) Can you still invest while repaying debt? Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other

"None of This Is an Individual Process" (Season 5, Episode 1) welcomes Andy Horwitz, a writer and cultural producer whose work bridges experimental theater and Jewish communal practice in unexpected ways. From his tenure at the Foundation for Jewish Culture during the era of contemporary Jewish cultural renaissance to his current explorations of theatrical form and Jewish thought, Horwitz offers a unique perspective on how Jewish collaborative traditions might reimagine theater-making itself. In this conversation, Horwitz discusses Joe Chaikin and the Open Theater's connection to Jewish communal structures like the morning minyan, why he's more interested in forms that embody Jewish thought than simply Jewish stories, and how theaters might learn from Jewish institutions about collective leadership and sustained community. Drawing on his influential essay "The Theater(s) We Need Now" and his JTS lecture on Jews, Theatre and Performance in an intercultural world, we explore concepts like midrash and tikkun olam as frameworks for understanding theater's civic potential. "On the Bimah" continues to showcase the diversity and depth of contemporary Jewish theatre, led by your host Danielle Levsky. This podcast is an Alliance for Jewish Theatre program, produced by Danny Debner and Danielle Levsky. Our theme music is by Ilya Levinson and Alex Koffman.

“There is so much emotional energy moving, a lot of grief for people, and I think largely a lot of that is stemming from the fact that we are ending this nine year cycle... there is definitely a shift amidst us and I think we all can feel it.”We're standing at the edge of a massive energetic threshold. In this 2025 wrap-up, I'm not just recapping the year; I'm diving deep into the completion of a profound nine-year cycle that began in 2017. If you've been feeling a heavy mix of grief, transformation, and a relentless push toward authenticity, you're not alone... you're exactly where you need to be.In this episode, I'm sharing my unfiltered thoughts on why the idea of "going back to normal" after 2020 was always an illusion and how we're collectively moving into a clearer, more prominent shift in 2026. I open up about my own journey, from the intuitive hits I had as a child watching The Terminator to the career-shattering moments as a school counselor that forced me to choose my own truth over arbitrary rules. We explore why playing by the system's handbook often means betraying your own intuition, and why true trauma healing requires us to stop performing and start embodying who we actually are.This is a rant, a reflection, and a roadmap all in one. We discuss the trap of pop psychology, the unconscious family dynamics we replay in our workplaces, and why 2026 is shaping up to be the "Year of the Individual." If you're ready to leave behind what you think you should do and finally step into what truly resonates for you, this episode is for you.TODAY'S HIGHLIGHTSThe 2025 Energy ShiftEnding the Nine-Year CycleAwakening to a new planetary reality after 2020The Terminator: My trigger to a deep soul-knowing about the global shiftsFrom a school counselor role to "the system is a dead-end street"Trauma in the Workplace: confronting my people-pleasing tendenciesSibling rivalry and parental projections in our professional environments2026: The Year of YouHow to work with me in the new year**WAYS TO ENTER MY WORLD**  When you leave a review of the podcast, send us a screenshot and we'll send you a $250 credit, you can apply to anything else in my world.Get a $500 discount when you join The Metamorphosis before 2025 ends. We're starting again in January. This is my groundbreaking program to rapidly and efficiently clear the familial and ancestral trauma that is blocking you from experiencing the wealth and freedom that you desire.Get a $1000 discount when you join The Metamorphosis Method before the year ends. This is the only Certification Program that closes the gap between spirituality and therapy to create predictable and permanent results with your clients. We start in February!Questions? Let's jump on a call CONTACT ALYSEalysebreathes.comIG @alyse_breathesinfo@alysebreathes.com

MeidasTouch host Ben Meiselas reports on Donald Trump's FCC Commissioner Brendan Carr getting exposed under perfect cross-examination by Democratic Senators in a key hearing. Start with your 7-day trial at https://SmartCredit.com/meidas and for just $1, see how many points you can add to your credit score. * Average point changes are based on historical data. Individual results may vary and are not guaranteed. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: ⁠https://www.meidastouch.com/tag/meidastouch-podcast⁠ Legal AF: ⁠https://www.meidastouch.com/tag/legal-af⁠ MissTrial: ⁠https://meidasnews.com/tag/miss-trial⁠ The PoliticsGirl Podcast: ⁠https://www.meidastouch.com/tag/the-politicsgirl-podcast⁠ Cult Conversations: The Influence Continuum with Dr. Steve Hassan: ⁠https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan⁠ Mea Culpa with Michael Cohen: ⁠https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen⁠ The Weekend Show: ⁠https://www.meidastouch.com/tag/the-weekend-show⁠ Burn the Boats: ⁠https://www.meidastouch.com/tag/burn-the-boats⁠ Majority 54: ⁠https://www.meidastouch.com/tag/majority-54⁠ Political Beatdown: ⁠https://www.meidastouch.com/tag/political-beatdown⁠ On Democracy with FP Wellman: ⁠https://www.meidastouch.com/tag/on-democracy-with-fpwellman⁠ Uncovered: ⁠https://www.meidastouch.com/tag/maga-uncovered⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Banking on Fraudology, Hailey Windham reflects on her journey in the industry by sharing big news and zooming out to address the "seismic shift" this change represents for her career and the community. Hailey officially announces she has joined Sardine as their Community Lead for Banking. She directly addresses industry skepticism, clarifying that this move is a values-aligned, impact-driven decision and "not a sellout moment". The conversation dives into the industry's evolution , highlighting how shared learning, cross-institution conversations, and an authentic community are shaping the future of fraud prevention. Key Takeaways: Why the Move, What Changes, and the Future of CommunityBelief and Values Alignment are Essential: The "Why" Behind the DecisionThe Trust Filter: Hailey notes that she only puts her name behind brands she trusts and never stays silent for convenience. Culture Over Tech: What stood out about Sardine was its culture of humility and curiosity, and a willingness to say, "We don't have this all figured out. Let's build it with the community". Voice and Ownership: Crucially, she was never asked to change her voice , and she retains ownership of her catalog. Scaling Impact (Internal Threat): The Shift from Individual to CommunityHailey explains that the role isn't about pushing product; it's about building authentic banking and credit union communities and challenging the status quo. This move is about scaling impact—moving from helping one or two credit unions at a time to having a much bigger reach and connecting them with resources. The goal is to move past institutional silos, driven by the mindset that "fraud doesn't happen in silos and neither should our solutions". Fraud Forward (External Threats): The Podcast Evolves Alongside the IndustryBanking on Fraudology is evolving and will be rebranded as Fraud Forward. The rebrand will bring improved production quality, consistency, and reach, allowing for bigger, bolder conversations. Hailey promises the same honesty, hard conversations, and advocacy for fraud fighters will continue. Get in the mood of being grateful for the fraud-fighting community, and be reminded of how strong the fraud-fighting community truly is. The next chapter is about moving fraud prevention forward together.

Which French wine region banned flying saucers from landing in its vineyards and why is the rule still there? How did the devastating February 1956 frost reshape the southern Rhône into the vineyard landscape we know today? What sets the northern Rhone apart from the south in terms of grapes and winemaking style? In this episode of the Unreserved Wine Talk podcast, I'm chatting with Matt Walls, author of The Smart Traveller's Wine Guide to the Rhone Valley. You can find the wines we discussed at https://www.nataliemaclean.com/winepicks.   Giveaway Two of you are going to win a copy of Matt Walls' terrific new book, The Smart Traveller's Wine Guide to the Rhone Valley. To qualify, all you have to do is email me at natalie@nataliemaclean.com and let me know that you've posted a review of the podcast. I'll choose two people randomly from those who contact me. Good luck!   Highlights How did a family picnic become a memorable introduction to the northern Rhone? How did a visit to a small producer in Crozes Hermitage turn into an unforgettable travel mishap? Why does Châteauneuf du Pape have a rule specifically forbidding the landing of flying saucers in vineyards? How is the Rhone Valley laid out geographically and what distinguishes the northern Rhone from the southern Rhone? How much wine does the Rhone produce each year compared to other regions in France? What was the moment that made Matt fall in love with Hermitage wines? What was it like for Matt to move his family from London to a village near Avignon? How does the culture of Rhone winemakers differ from regions like Bordeaux or Champagne? What practical advice does Matt have for getting the most out of visits to Rhone wineries? What makes The Smart Traveler's Wine Guide to the Rhone Valley different from other wine books? What unexpected part of his research led Matt to fall in love with Lyon?   Key Takeaways Within the Châteauneuf-du-Pape, the cahiers des charges, which is basically the rulebook on how you're allowed to make wine within the appellation, has a statement that says, "Winemakers may not use their vineyards to land flying saucers." This was put in in the 1960s, when there was a big panic about flying saucers and little green men. I think it's easier just to leave it there than to go through the whole rigmarole for getting it removed. The devastating February 1956 frost was a turning point in how people lived, worked, and farmed in the southern Rhone. Before that point, it was very much a kind of polycultural land. Individual estates would have olives, grapevines, fig trees, carrots, wheat, and so it was a mixed agriculture. But after 1956, this really wiped out the olive trees. People needed something that would give them a crop immediately in order for them to survive and chose grapevines. One of the big differences between the northern Rhone and the southern Rhone is that the northern Rhone, they only use one red grape variety, which is Syrah. In the south, they have a whole smorgasbord of different grape varieties and the culture there is to blend. Also they have quite a single-vineyard way of working. The estates tend to be very small in the northern Rhone compared to the southern Rhone.   About Matt Walls Matt Walls is an award-winning freelance wine writer, author and consultant who contributes to various UK and international publications such as Club Oenologique and Decanter, where he is a contributing editor. He also judges wine and food competitions, develops wine apps and presents trade and consumer tastings. Matt is interested in all areas of wine, but specialises in the Rhône Valley – he is Regional Chair for the Rhône at the Decanter World Wine Awards.           To learn more, visit https://www.nataliemaclean.com/368.

HOW MUCH DO DENTAL IMPLANTS COST!? Download the FREE Guide to Dental Implants Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/3XPG2LSWant to know if you may be eligible for Permanent Teeth in 24 Hours? Take the 60-Sec Quiz Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4pBAQYa▬▬▬▬▬▬▬▬ Contents of this video ▬▬▬▬▬▬▬▬▬▬Disclaimer: Nuvia Dental Implant Centers are locally owned and operated by licensed dental practitioners. These locally owned and operated practices are part of a professional network of dental implant centers operated by prosthodontists, oral surgeons, and restorative dentists. Each Nuvia Dental Implant Center has a business affiliation with Nuvia MSO, LLC, a Dental Support Organization that provides non-clinical support to each center.*Nuvia Dental Implant Centers are able to provide patients with a bridge made with an FDA approved permanent material, zirconia, in 24-hours. No temporary denture. Not all those who come in for a consultation are medically cleared to receive permanent zirconia teeth in 24-hours. Follow up appointments are required to confirm implant integration and make adjustments if necessary. Results may vary in individual cases. Patients represented in videos are actual NUVIA patient(s) and may have been compensated for their time in telling their story.*While soft foods immediately after surgery are generally approved by our clinical team, the local surgeon may give individual instruction on dental implant aftercare according to the specific circumstances applicable to each case.To hear patient's speech after prosthetic placement please search Nuvia Dental Implant Center on YouTube and watch patient stories. *Individual results may vary based on a number of factors.Copyright 2024. Nuvia Dental Implant Centers. All rights reserved.

How plunging battery costs are turning solar into reliable, around-the-clock power that can compete directly with fossil fuels. Brian Stockton and James Whittingham break down new findings from Ember showing that grid-scale batteries now make dispatchable solar cheaper than many new gas plants, fundamentally changing the energy landscape. The episode also explores why Big Oil is increasingly betting on petrochemicals and single-use plastics as EVs cut into fuel demand. A new IEEFA report reveals that a 70% global reduction in single-use plastics would deliver a major financial blow to the petrochemical industry while cutting millions of barrels per day of oil demand. From Canada, a Clean Energy Canada study finds that switching all homes in British Columbia to electric heat pumps could save households $675 million per year, reduce electricity demand, and cut emissions by about 6% of the province's total. Individual households could save hundreds to over a thousand dollars annually. We also discuss Australia's booming home battery market, fueled by expanded federal subsidies, and Rivian's plans for autonomous electric vehicles that can run errands, self-diagnose, and drive themselves for service as the company builds its own AI hardware and software. The Lightning Round covers global clean energy milestones including record renewable power in Australia, new solar efficiency records, fusion breakthroughs, EV and battery news, major climate policy moves in Europe, and Tesla opening its northernmost Supercharger in Alaska. Contact Us cleanenergyshow@gmail.com or leave us an online voicemail: http://speakpipe.com/clean Support The Clean Energy Show Join the Clean Club on our Patreon Page to receive perks for supporting the podcast and our planet! Our PayPal Donate Page offers one-time or regular donations. Store Visit The Clean Energy Show Store for T-shirts, hats, and more!. Copyright 2025 Sneeze Media.    

#947 | Ed and Dan react to a breathless, chaotic 4–4 draw that managed to be both exhilarating and deeply exposing. They break down United's aggressive pressing, fluid attacking movement, and how the side functioned without a recognised striker, while also confronting the defensive fragility that turned control into volatility. The discussion moves through tactical trade-offs, shape-shifting between a back three and a back four, and the consequences of those choices under pressure. Individual performances are assessed in detail, including Amad's influence, Bruno Fernandes' authority, and Casemiro's role. There's also scrutiny of managerial decisions, the impact of Afcon, and what this match says about the limits of flexibility versus structure. The episode closes by looking ahead to Aston Villa, weighing likely selections, priorities, and how much adjustment this squad can realistically absorb. 00:00 First impressions from a chaotic 4–4
 04:03 Defensive vulnerabilities and systemic flaws 07:49 Back three vs back four – what worked, what didn't
 12:33 Goals and individual performances
 25:29 Bruno Fernandes – quality, responsibility, future
 34:45 Amorim on youth and squad trust 
39:29 Looking ahead to Aston Villa – selection dilemmas 
45:04 Final reflections 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

What if you're looking for healing in all the wrong places?After two years of guiding clients through integrative cancer care, Dr. Katie reflects on the most important lessons that completely transformed her practice. She shares why the natural healing space feels so overwhelming and confusing, even for someone with decades of medical training. If you've ever felt paralyzed by conflicting advice or stuck choosing between conventional and natural approaches, you'll understand why this clarity matters.Dr. Katie opens up about a major pivot in her work and reveals how mitophagy and mitochondrial repair may help explain why people emerge from extended fasting as completely different versions of themselvesAccess the FREE Water Fasting Masterclass Now: https://www.katiedeming.com/the-healing-power-of-fasting/Chapters:06:30 - Give Yourself Permission to Pivot07:31 - Fear Is the Real Fog09:30 - Illness as a Wake Up Signal13:30 - Stop Consuming Content Like Medicine17:20 - Natural vs Conventional Is a False War20:00 - The Emotional Patterns That Keep People Sick25:30 - Mitochondria: The Missing Link in Chronic Illness32:00 - Water Fasting as a System Reboot37:53 - The Five Lessons That Changed Her PracticeShe explains why she increasingly believes most illness might actually be rooted in something many practitioners miss, and shares the one practice that addresses physical healing, emotional release, and spiritual alignment all at once. You'll discover why healthy mitochondria may be a missing piece in many healing journeys.She challenges common assumptions about what creates lasting health changes. Whether you're managing a diagnosis, supporting someone who is, or simply seeking optimal wellness, Dr. Katie's insights about emotional patterns, cellular health, and the courage to pivot when something isn't working will shift how you approach your own path forward.LisAccess the FREE Water Fasting Masterclass Now: https://www.katiedeming.com/the-healing-power-of-fasting/ Transform your hydration with the system that delivers filtered, mineralized, and structured water all in one. Spring Aqua System: https://springaqua.info/drkatieMORE FROM KATIE DEMING M.D. Work with Dr. Katie: www.katiedeming.com 6 Pillars of Healing Cancer Workshop Series - Click Here to Enroll Follow Dr. Katie Deming on Instagram: https://www.instagram.com/katiedemingmd/ Email: INFO@KATIEDEMING.COM Please Support the Show Share this episode with a friend or family member Give a Review on Spotify Give a Review on Apple Podcast Watch on Youtube: https://youtube.com/playlist?list=PL5LplU70TE9i01tW_7Tozi8b6X6rGBKA2&si=ZXLy5PjM7daD6AV5 DISCLAIMER: The Born to Heal Podcast is intended for informational purposes only and is not a substitute for seeking professional medical advice, diagnosis, or treatment. Individual medical histories are unique; therefore, this episode should not be used to diagnose, treat, cure, or prevent any disease without consulting your healthcare provider.

In this conversation, Phil Brown and Katrina Kennedy explore the themes of learning and development, reflection, and facilitation. Katrina shares her insights on how reflection is not just about looking back but is action-oriented, emphasizing the importance of facilitating effective learning experiences. They discuss the evolution of facilitation, the role of silence, and the importance of connection in the learning process. Katrina also provides an overview of her book, which includes practical activities for facilitators to enhance their skills and engage learners effectively.   Learning and development encompasses various methods to help people perform effectively. Reflection is action-oriented, focusing on what to do next after recalling experiences. Facilitators should prioritize the needs of the learners over their own presentation style. Silence in facilitation can be a powerful tool for reflection and engagement. Facilitators must be adaptable and comfortable with the unknown during sessions. Pre-reflection, mid-reflection, and post-reflection are crucial for effective learning. Follow-up after training enhances behavior change and connection. Individual reflection can be more valuable than group report-outs. Facilitators should focus on outcomes when planning activities. Katrina's book provides structured activities for both novice and experienced facilitators. Learn more about Katrina - https://www.katrinakennedy.com/ Connect with the podcast - podcast@high5adventure.org Support the podcast - www.verticalplaypen.org  

Today, we focus on building smarter financial strategies for business owners, retirees, and long-term investors navigating a changing market environment. Jeremiah Bates and Alex Lundgren break down retirement plan options for the self-employed, including SEP IRAs, Individual 401(k)s, and SIMPLE plans—highlighting contribution limits, employee requirements, vesting rules, and costly mistakes business owners often overlook. The conversation expands into the BetterBuckets® System, explaining how aligning cash, income, and growth assets can reduce emotional decision-making and create clarity during market volatility. The hosts discuss why understanding why you own certain investments matters just as much as what you own—especially when markets fluctuate. They also examine recent market movement, interest-rate cuts, rotation between growth and value stocks, and what volatility really means for long-term planning. Rather than reacting to headlines, the episode emphasizes disciplined strategy, time horizon alignment, and using market pullbacks as planning opportunities—not panic moments.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Sod's Country Farms was raising 65,000 chickens when a fire burned down the poultry house. After a detailed investigation, the cause of the fire was undetermined. To further complicate matters, Sod's Country Farms didn't even own the chickens themselves, but raised them for a vendor. They want to know if the property loss of the  animals is covered-- and what policy would be most appropriate.   Notable Timestamps [ 00:00 ] - A poultry house fire destroys 65,000 chickens, but the insured doesn't own the birds. [ 03:30 ] - Contract Growing is common in agriculture, with farmers raising animals owned by vendors.  [ 05:20 ] - Under the ISO BOP, animals are generally excluded, but exceptions exist for animals owned by others and "boarded" by the insured. [ 07:00 ] - Courts may rely on dictionary definitions when policy terms like "boarded" are undefined. [ 09:00 ] - Adjusters should review the contract for risk transfer provisions, insurance requirements, and other-insurance clauses to understand responsibilities and potential overlap. [ 11:30 ] - Standard BOP coverage can fall short for farming operations. Specialized farm policies are designed to address poultry risks more directly through scheduling and declaration-based coverage. [ 13:30 ] - Declarations pages matter in agricultural losses. How buildings, poultry locations, and coverage types are defined can determine whether coverage applies or is excluded. [ 15:30 ] - Valuing large-scale poultry losses is complex, involving age, weight, market timing, pricing data, and delay to market, often guided by specific policy language on cash market value. [ 17:15 ] - Brennan summarizes the key points above. Your PLRB Resources Annotation: BP191 - Animals - https://members.plrb.org/documents/bp191-animals Podcast Episode: Don't Count Your Chicken Coops Before They're Insured - https://members.plrb.org/education/courses/dont-count-your-chicken-coops-before-theyre-insured Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. 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).

Individual emotional intelligence matters — but teams thrive when EI is built together, not carried by a few well-developed individuals. In this episode, Vanessa Druskat explains why high-performing groups rely on shared norms that create psychological safety, trust, and collaboration. We talk through her research-backed framework for turning work groups into emotionally intelligent teams, how leaders can shape better environments, and why optimism is a surprisingly powerful tool for motivation and change. Topics [0:00] Intro and Speed Round with Vanessa Druskat [7:08] What is Team Emotional Intelligence? [13:02] Leader Behavior vs Team Norms [18:24] The Discovery of “the Nine Norms” [26:34] Engaging Stakeholders Beyond the Team [33:19] Belonging Needs and Conformity [42:01] Optimism As a Leadership Tool [47:21] Coaching for Hope vs Problems [50:42] Desert Island Music [54:14] Grooving Session: A+ Teams vs A+ Individuals ©2025 Behavioral Grooves Links About Vanessa The Emotionally Intelligent Team Join us on Substack! Join the Behavioral Grooves community Subscribe to Behavioral Grooves on YouTube Support Behavioral Grooves Musical Links Van Morrison - Days Like This John Prine - In Spite of Ourselves  

Welcome to episode #1014 of Thinking With Mitch Joel (formerly Six Pixels of Separation). At a moment when careers feel increasingly precarious and algorithms quietly dictate how value is created and captured, it's worth learning from someone who has spent more than two decades helping creators and entrepreneurs reclaim ownership of their work and their futures. Joe Pulizzi is the founder of multiple influential startups, including Content Marketing Institute, The Tilt, the Content Entrepreneur Expo and is widely recognized as the person who first coined the term "content marketing" in 2001, long before it became an industry unto itself. A bestselling author of seven books, including Epic Content Marketing and Content Inc., Joe has helped shape how organizations and individuals think about audience building, trust, and long-term value creation, earning the Content Council's Lifetime Achievement Award for his impact on the field. After successfully exiting Content Marketing Institute in 2016, he expanded his creative range by writing the award-winning mystery novel The Will To Die, while continuing to host two long-running podcasts, including This Old Marketing, the longest-running marketing news podcast in the world. His latest book, Burn The Playbook: How Creators And Entrepreneurs Escape The 9–5 And Build Businesses That Last, serves as the catalyst for this conversation and reflects a deeply personal mission inspired by his children: to help people stop renting their futures and start building assets they truly own. In the discussion, Joe explores the evolution of content and audience strategy, the underestimated power of repetition in building trust, the growing importance of individual creators over faceless brands, and why human connection matters more than ever in this AI-accelerated world. He also addresses the role of paid promotion, the practical integration of AI into creative work, and why serving a clearly defined audience remains the most durable path to meaning, freedom, and sustainable wealth. Enjoy the conversation… Running time: 59:52. Hello from beautiful Montreal. Listen and subscribe over at Apple Podcasts. Listen and subscribe over at Spotify. Please visit and leave comments on the blog - Thinking With Mitch Joel. Feel free to connect to me directly on LinkedIn. Check out ThinkersOne. Here is my conversation with Joe Pulizzi. Burn The Playbook: How Creators And Entrepreneurs Escape The 9–5 And Build Businesses That Last. This Old Marketing. The Tilt. Content Marketing Institute. Content Entrepreneur Expo. Epic Content Marketing. Content Inc. Follow Joe on LinkedIn. Follow Joe on YouTube. Chapters: (00:00) - Introduction to Joe Pulizzi's Mission. (02:54) - The Evolution of Podcasting and Legacy Content. (05:50) - Building Relationships Through Repetition. (08:59) - Understanding Audience and Business Models. (11:54) - Navigating Career Paths in a Changing Landscape. (15:07) - The Importance of Human Connection. (17:45) - Overcoming Barriers in a Digital World. (20:52) - The Power of Experimentation and New Platforms. (30:11) - Killing What Doesn't Work. (32:49) - The Power of Focused Content Creation. (36:40) - Paid Promotion vs. Organic Reach. (38:45) - Rented vs. Owned Content. (43:48) - The Individual vs. The Brand. (48:54) - AI and the Future of Content Creation. (56:43) - Redefining Success in a Changing World.

Ep. 104- How to take better care of your heart health as an athlete and everyday individual with sports cardiologist Meagan Wasfy, MD, MPH by Erin Kenney, MS, RD, LDN, HCP

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Today's guest is John Richardson Jr., a long time advocate for metabolic approaches to cancer prevention and wellness. John has spent decades researching nutritional compounds, historical case studies, and global health patterns that suggest many cancers may be influenced by diet, environment, and enzyme biology rather than being purely random or inevitable. His perspective challenges conventional thinking, but he lays it out with clarity, real world examples, and practical steps anyone can begin exploring. Our conversation centers on the idea that certain foods and enzymes may play a role in interrupting abnormal cell growth. We discuss cultures with remarkably low cancer rates, what they eat, and how their lifestyle habits compare to the modern Western diet. John also breaks down the biochemistry in plain language and explains why amygdalin rich foods, enzyme support, fasting, and metabolic awareness matter in his framework. Whether you fully agree with his conclusions or simply want a broader understanding of metabolic health, this episode will make you think. Key Takeaways: Many traditional cultures with low cancer rates share common habits: nutrient dense plant foods, clean environments, social connection, and foods containing natural amygdalin. Amygdalin rich foods interact with enzymes differently in healthy versus abnormal cells, which is part of the metabolic argument for prevention. Reducing refined sugar and processed foods is one of the simplest ways to support healthier metabolic function. Gentle cooking methods, improved oxygenation, and strategic fasting may help shift internal conditions in ways that support immune resilience. Fears around fruit seeds and amygdalin often come from headlines rather than nuanced biochemistry. Individual tolerance still matters, which is why medical guidance is important. Controversy exists because large scale randomized trials have not been done, and financial incentives often shape research priorities. Practitioners who use metabolic protocols typically combine dietary changes, enzyme support, fasting, and complementary therapies rather than relying on a single compound. Who Should Tune In: This episode is for anyone who wants a wider lens on health, especially those curious about the relationship between food, metabolism, and long term wellness. If you're exploring preventive strategies, wanting to understand alternative perspectives, or simply trying to make more informed choices about how you fuel your body, this conversation will give you a clearer framework and plenty to think about. It's not about fear or quick fixes. It's about approaching your health with curiosity, awareness, and a willingness to challenge old assumptions. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the 1820s, American entrepreneurs, engineers, and politicians dared to dream big. They believed they could cut a canal, not through Panama, but through the wild, rain-soaked terrain of Nicaragua. Their goal: To link the Atlantic and Pacific Oceans and transform global trade forever. But what inspired these ambitious "canal dreamers?” And why did they believe Nicaragua held the key to controlling the future of commerce?  Jessica Lepler, Associate Professor of History at the University of New Hampshire and author of Canal Dreamers: The Epic Quest to Connect the Atlantic and Pacific in the Age of Revolutions, joins us to explore this nearly forgotten story of innovation, illusion, and international ambition in early American history. Jessica's Website | Book Show Notes: https://www.benfranklinsworld.com/428 EPISODE OUTLINE00:01:00  Introduction00:04:05 Desire to Build a Canal Across Central America00:08:01 Political Landscape of Central America During the 1820s00:09:55 Creating a Stable Central American Government00:11:55 Geography of the Nicaraguan Canal Route00:16:03 Economic Opportunities of an Interoceanic Canal00:17:57 Individual vs. State Interest in a Nicaraguan Canal00:21:58 Why Americans Sought A Private Canal Contract00:26:44 Information Canal Dreamers Relied On to Build a Canal00:33:12 Competitive Advantages of American Canal Dreamers00:35:40 American Surveys of a Central American Canal Route00:39:12 Influence of the Erie Canal00:42:32 Why the Nicaraguan Canal Failed00:44:50 What Canal Dreamers Reveal About the Early United States 0046:40 Overview of the Panama Canal00:49:50 Time Warp00:56:00 ConclusionRECOMMENDED NEXT EPISODES

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

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