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    Intermittent Fasting Stories
    Episode 499: Claire Watson-Pople

    Intermittent Fasting Stories

    Play Episode Listen Later Jan 1, 2026 53:53


    In this episode of Intermittent Fasting Stories, Gin talks to Claire Watson-Pople from Gloucestershire, UK.Join Gin in the new Fast Feast Repeat app for The Grown-Up Year: 52 Weeks to Listen, Play, and Nourish, as well as a growing collection of intermittent fasting resources. Go to app.fastfeastrepeat.com to join us or go to the App Store and download the Fast Feast Repeat app, available for both iPhone and Android.Are you ready to take your intermittent fasting lifestyle to the next level? There's nothing better than community to help with that. In the Delay, Don't Deny community we all embrace the clean fast, and there's just the right support for you as you live your intermittent fasting lifestyle. You can connect directly with Gin in the Ask Gin group, and she will answer all of your questions personally. If you're new to intermittent fasting or recommitting to the IF lifestyle, join the 28-Day FAST Start group. After your fast start, join us for support in The 1st Year group. Need tips for long term maintenance? We have a place for that! There are many more useful spaces beyond these, and you can interact in as many as you like. Visit ginstephens.com/community to join us. An annual membership costs just over a dollar a week when you do the math. If you aren't ready to fully commit for a year, join for a month and you can cancel at any time. If you know you'll want to stay forever, we also have a lifetime membership option available. IF is free. You don't need to join our community to fast. But if you're looking for support from a community of like-minded IFers, we are here for you at ginstephens.com/community. Claire is a midwife. She shares her journey to intermittent fasting, detailing her experiences with various diets before discovering the benefits of clean fasting. She discusses the challenges of maintaining weight, the importance of discipline, and how intermittent fasting has positively impacted her body image and parenting. Claire emphasizes the freedom and flexibility that fasting provides, encouraging others to embrace the lifestyle and jump in without hesitation.Takeaways:• Clean fasting is essential for a successful fasting experience.• Body image improves with a healthy relationship with food.• Discipline is more important than motivation in maintaining healthy habits.• Intermittent fasting can change parenting approaches to food.• It's important to focus on fitness and strength as we age.• Embracing the journey of intermittent fasting is key to long-term success.At the end of the episode, Claire encourages new intermittent fasters to just do it! Put away doubt and jump in.Join Gin in the new Fast Feast Repeat app for The Grown-Up Year: 52 Weeks to Listen, Play, and Nourish, as well as a growing collection of intermittent fasting resources. Go to app.fastfeastrepeat.com to join us or go to the App Store and download the Fast Feast Repeat app, available for both iPhone and Android.Get Gin's books at: https://www.ginstephens.com/get-the-books.html. Good news! The second edition of Delay, Don't Deny is now available in ebook, paperback, hardback, and audiobook. This is the book that you'll want to start with or share with others, as it is a simple introduction to IF. It's been updated to include the clean fast, an easier to understand and more thorough description of ADF and all of your ADF options, and an all new success stories section. When shopping, make sure to get the second edition, which has a 2024 publication date. The audiobook for the second edition is available now! Join Gin's community! Go to: ginstephens.com/communityDo you enjoy Intermittent Fasting Stories? You'll probably also like Gin's other podcast with cohost Sheri Bullock: Fast. Feast. Repeat. Intermittent Fasting for Life. Find it wherever you listen to podcasts. Share your intermittent fasting stories with Gin: gin@intermittentfastingstories.comVisit Gin's website at: ginstephens.com Check out Gin's Favorite Things at http://www.ginstephens.com/gins-favorite-things.htmlSubscribe to Gin's YouTube Channel! https://www.youtube.com/channel/UC_frGNiTEoJ88rZOwvuG2CASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    HVAC School - For Techs, By Techs
    Sizing Breakers and Conductors (for HVAC) – Have Things Changed?

    HVAC School - For Techs, By Techs

    Play Episode Listen Later Jan 1, 2026 35:40


    In this essential episode, Bryan Orr sits down with Elliot, the residential install supervisor at Kalos Services, to unpack a critical issue that's causing confusion among HVAC technicians, electricians, and inspectors alike: the new standards for breaker and conductor sizing on inverter-driven equipment. The conversation was sparked by Elliot's frustrating experience of having two inspectors in the same county fail the same installation for opposite reasons—one for an oversized breaker and another for an undersized breaker. This contradiction led to a deep dive into recent changes in UL standards and how they affect everyday HVAC installations. The heart of the issue stems from the transition to low-GWP refrigerants and the updated UL 60335-2-40 Edition 3 standard, which replaced the 1995 certification approach. This new standard introduced more conservative calculations for electrical characteristics, particularly affecting equipment using A2L refrigerants. The result? Data tags now show higher Minimum Circuit Ampacity (MCA) ratings than before, even though the equipment itself hasn't changed—only the math used to calculate these values has shifted. This has created a puzzling situation where the MCA can be higher than the recommended breaker size, which seems counterintuitive to anyone familiar with traditional electrical principles. Bryan and Elliot clarify the fundamental rule that still applies: size your wire to the MCA and your breaker to the MOCP (Maximum Overcurrent Protector). The confusion arises because manufacturers like Mitsubishi are now including "recommended breaker" sizes on data tags that are lower than the MCA—a courtesy to contractors, not a code requirement. The higher MCA reflects conservative safety margins that account for extreme operating conditions, but in practice, inverter-driven systems have multiple built-in protections that prevent them from ever actually reaching these calculated amperage levels. The key takeaway is that contractors can safely install breakers at the recommended size without safety concerns, as long as the breaker's lugs are rated to accept the wire size required by the MCA. The episode also explores how inverter-driven equipment fundamentally differs from traditional PSC motors, particularly regarding locked rotor amps (now more accurately termed "inverter input") and voltage drop considerations. Unlike conventional motors that simply run slower with reduced voltage, inverter-driven compressors and ECM motors compensate by drawing more current to maintain performance, creating a potential compounding effect with voltage drop that installers need to understand—even though voltage drop itself isn't an enforceable NEC code requirement. Topics Covered: New UL 60335-2-40 Edition 3 standards and their impact on electrical calculations for HVAC equipment The relationship between MCA (Minimum Circuit Ampacity) and MOCP (Maximum Overcurrent Protector) and why they can now seem contradictory Recommended breaker sizes on modern data tags and why they may be lower than the MCA Handling inspector conflicts and failed inspections related to breaker sizing Differences between inverter-driven equipment and traditional PSC motors in electrical behavior The transition from "locked rotor amps" to "inverter input" terminology for modern equipment Voltage drop considerations with inverter-driven systems (NEC 210.19A and 215.2A) Why inverter-driven equipment draws more current at lower voltages compared to traditional motors Proper wire and breaker sizing for A2L refrigerant equipment (454B systems) NEC Section 440 requirements specific to air conditioning and refrigeration equipment Breaker lug ratings and ensuring they can accept the required wire size Practical advice for communicating with inspectors and resolving code disputes   Read the tech tip on this topic HERE. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

    The Creative Penn Podcast For Writers
    My 2026 Creative And Business Goals With Joanna Penn

    The Creative Penn Podcast For Writers

    Play Episode Listen Later Jan 1, 2026 37:17


    Happy New Year 2026! I love January and the opportunity to start afresh. I know it's arbitrary in some ways, but I measure my life by what I create, and I also measure it in years. At the beginning of each year, I publish an article (and podcast episode) here, which helps keep me accountable. If you'd like to share your goals, please add them in the comments below. 2026 is a transitional year as I will finish my Masters degree and continue the slow pivot that I started in December 2023 after 15 years as an author entrepreneur. Just to recap that, it was: From digitally-focused to creating beautiful physical books; From high-volume, low cost to premium products with higher Average Order Value; From retailer-centric to direct first; and From distance to presence, and From creating alone to the AI-Assisted Artisan Author. I've definitely stepped partially into all of those, and 2026 will continue in that same direction, but I also have an additional angle for Joanna Penn and The Creative Penn that I am excited about. If you'd like to join my community and support the show every month, you'll get access to my growing list of Patron videos and audio on all aspects of the author business — for the price of a black coffee (or two) a month. Join us at Patreon.com/thecreativepenn. Joanna Penn writes non-fiction for authors and is an award-winning, New York Times and USA Today bestselling thriller author as J.F. Penn. She's also an award-winning podcaster, creative entrepreneur, and international professional speaker. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights and the full transcript is below. Leaning into the Transformation Economy The Creative Penn Podcast and my Patreon Community Webinars and live events Finish my Masters in Death, Religion, and Culture Bones of the Deep — J.F. Penn Add merch to CreativePennBooks.com and JFPennBooks.com How to Write, Publish, and Market Short Stories and Short Story Collections — Joanna Penn Other possible books Experiment more with AI translation Ideally outsource more marketing to AI, but do more marketing anyway Double down on being human, health and travel You can find all my books as J.F. Penn and Joanna Penn on your favourite online store in all the usual formats, or order from your local library or bookstore. You can also buy direct from me at CreativePennBooks.com and JFPennBooks.com. I'm not really active on social media, but you can always see my photos at Instagram @jfpennauthor. Leaning into the Transformation Economy I've struggled with my identity as Joanna Penn and my Creative Penn brand for a few years now. When I started TheCreativePenn.com in 2008, the term ‘indie author' was new and self-publishing was considered ‘vanity press' and a sure way to damage your author career, rather than a conscious creative and business choice. It was the early days of the Kindle and iPhone (both launched in 2007), and podcasting and social media were also relatively new. While US authors could publish on KDP, the only option for international authors was Smashwords and the market for ebooks was tiny. Print-on-demand and digital audio were also just emerging as viable options. While it was the early era of blogging, there were very few blogs and barely any podcasts talking about self-publishing, so when I started TheCreativePenn.com in late 2008 and the podcast in March 2009, it was a new area. For several years, it was like howling into the wind. Barely any audience. Barely any traffic, and certainly very little income.  But I loved the freedom and the speed at which I could learn things and put them into practice. Consume and produce. That has always been my focus. I met people on Twitter and interviewed them for my show, and over those early years I met many of the people I consider dear friends even now. Since self-publishing was a relatively unexplored niche in those early years, I slowly found an audience and built up a reputation. I also started to make more money both as an author, and as a creative entrepreneur. Over the years since, pretty much everything has changed for indie authors and we have had more and more opportunity every year. I've shared everything I've learned along the way, and it's been a wonderful time.  But as self-publishing became more popular and more authors saw more success (which is FANTASTIC!), other voices joined the chorus and now, there are many thousands of authors of all different levels with all kinds of different experiences sharing their tips through articles, books, podcasting, and social media. I started to wonder whether my perspective was useful anymore. On top of the human competition, in November 2022, ChatGPT launched, and it became clear that prescriptive non-fiction and ‘how to' information could very easily be delivered by the AI tools, with the added benefit of personalisation. You can ask Chat or Claude or Gemini how you can self-publish your particular book and they will help you step by step through the process of any site. You can share your screen or upload screenshots and it can help with what fields to fill in (very useful with translations!), as well as writing sales descriptions, researching keywords, and offering marketing help targeted to your book and your niche, and tailored to your voice. Once again, I questioned what value I could offer the indie author community, and I've pulled back over the last few years as I've been noodling around this. But over the last few weeks, a penny has dropped. Here's my thinking in case it also helps you. Firstly, I want to be useful to people. I want to help. In my early days of speaking professionally, from 2005-ish, I wanted to be the British (introvert) Tony Robbins, someone who inspired people to change, to achieve things they didn't think they could. Writing a book is one of those things. Making a living from your writing is another. So I leaned into the self-help and how-to niche. But now that is now clearly commoditised. But recently, I realised that my message has always been one of transformation, and in the following four areas.  From someone who doesn't think they are creative but who desperately wants to write a book, to someone who holds their first book in their hand and proudly says, ‘I made this.' The New Author. From someone who has no confidence in their author voice, who wonders if they have anything to say, to someone who writes their story and transforms their own life, as well as other people's. The Confident Author. From an author with one or a handful of books who doesn't know much about business, to a successful author with a growing business heading towards their first six figure year. The Author-Entrepreneur. And finally, from a tech-phobic, fearful author who worries that AI makes it pointless to create anything and will steal all the jobs, to a confident AI-assisted creative who uses AI tools to enhance and amplify their message and their income. The AI-Assisted Artisan Author. These are four transformations I have been through myself, and with my work as Joanna Penn/The Creative Penn, I want to help you through them as well. So in 2026, I am repositioning myself as part of The Transformation Economy. What does this mean? There is a book out in February, The Transformation Economy by B. Joseph Pine II, who is also the author of The Experience Economy, which drove a lot of the last decade's shift in business models. I have the book on pre-order, but in the meantime, I am doing the following. I will revamp TheCreativePenn.com with ‘transformation' as the key frame and add pathways through my extensive material, rather than just categories of how to do things. I've already added navigation pages for The New Author, The Confident Author, The Author-Entrepreneur, and The AI-Assisted Artisan Author, and I will be adding to those over time. My content is basically the same, as I have always covered these topics, but the framing is now different. The intent is different. The Creative Penn Podcast will lean more heavily into transformation, rather than just information — And will focus on the first three of the categories above, the more creative, mindset and business things.  My Patreon will continue to cover all those things, and that's also where I post most of my AI-specific content, so if you're interested in The AI-Assisted Artisan Author transformation path, come on over to patreon.com/thecreativepenn I have more non-fiction books for authors coming, and lots more ideas now I am leaning into this angle. I'll also continue to do webinars on specific topics in 2026, and also add speaking back in 2027. It's harder to think about transformation when it comes to fiction, but it's also really important since fiction books in particular are highly commodified, and will become even more so with the high production speeds. Yes, all readers have a few favourite authors but most will also read a ton of other books without knowing or caring who the author is. Fiction can be transformational. Reader's aren't buying a ‘book.' They're buying a way to escape, to feel deeply, to experience things they never could in real life. A book can transform a day from ‘meh' into ‘fantastic!' My J.F. Penn fiction is mostly inspired by places, so my stories transport you into an adventure somewhere wonderful, and they all offer a deeper side of transformative contemplation of ‘memento mori' if you choose to read them in that way.  They also have elements of gothic and death culture that I am going to lean into with some merch in 2026, so more of an identity thing than just book sales. I'm not quite sure what this means yet, but no doubt it will emerge. I'll also shape my JFPennBooks.com site into more transformative paths, rather than just genre lists, as part of this shift. My memoir Pilgrimage always reflected a transformation, both reflecting my own midlife shift but I've also heard from many who it has inspired to walk alone, or to travel on pilgrimage themselves. Of course, transformation is not just for our readers or the people we serve as part of our businesses. It's also for us. One of the reasons why we are writers is because this is how we think. This is how we figure out our lives. This is how we get the stories and ideas out of our heads and into the world. Writing and creating are transformative for us, too. That is part of the point, and a great element of why we do this, and why we love this. Which is why I don't really understand the attraction of purely AI-generated books. There's no fun in that for me, and there's no transformation, either. Of course, I LOVE using Chat and Claude and Gemini Thinking models as my brainstorming partners, my research buddies, my marketing assistants, and as daily tools to keep me sparkly. I smiled as I wrote that (and yes, I human-wrote this!) because sparkly is how I feel when I work with these tools. Programmers use the term ‘vibe coding' which is going back and forth and collaborating together, sparking off each other. Perhaps that I am doing is ‘vibe creation.' I feel it as almost an effervescence, a fun experience that has me laughing out loud sometimes. I am more creative, I am more in flow. I am more ‘me' now I can create and think at a speed way faster than ever before. My mind has always worked at speed and my fingers are fast on the keys but working in this way makes me feel like I create in the high performance zone far more often. I intend to lean more into that in 2026 as part of my own transformation (and of course, I share my experiences mainly in the Community at patreon.com/thecreativepenn ). [Note, I pay for access to all models, and currently use ChatGPT 5.2 Thinking, Claude Opus 4.5, and Gemini 3 Pro). So that's the big shift this year, and the idea of the Transformation Economy will underpin everything else in terms of my content. The Creative Penn Podcast and my Patreon Community The Creative Penn Podcast continues in 2026, although I am intending to reduce my interviews to once every two weeks, with my intro and other content in between. We'll see how that goes as I am already finding some fascinating people to talk to!  Thank you for your comments, your pictures, and also for sharing the episodes that resonate with you with the wider community. Your reviews are also super useful wherever you are listening to this, so please leave a review wherever you're listening this as it helps with discovery.  Thanks also to everyone in my Patreon Community, which I really enjoy, especially as we have doubled down on being human through more live office hours. I will do more of those in 2026 and the first one of the year will blearily UK time so Aussies and Kiwis can come. I also share new content almost every week, either an article, a video or an audio episode around writing craft, author business, and lots on different use cases for AI tools.  If you join the Patreon, start on the Collections tab where you will find all the backlist content to explore. It's less than the price of a coffee a month so if you get value from the show, and you want more, come on over and join us at patreon.com/thecreativepenn My Books and Travel Podcast is on hiatus for interviews, since the Masters is taking up the time I would have had for that. However I plan to post some solo episodes in 2026, and I also post travel articles there, like my visits to Gothic cathedrals and city breaks and things like that. Check it out at https://www.booksandtravel.page/blog/  Webinars and live events Along with my Patreon office hours, I'm enjoying the immediacy and energy of live webinars and they work with my focus on transformation, as well as on ‘doubling down on being human' in an age of AI, so I will be doing more this year. The first is on Business for Authors, coming on 10 and 24 January, which is aimed at helping you transform your author business in 2026, or if you're just getting started, then transform into someone who has even a small clue about business in general!Details at TheCreativePenn.com/live and Patrons get 25% off. In terms of live in-person events, it looks like I will be speaking at the Alliance of Independent Authors event at the London Book Fair in March, and I'll attend the Self-Publishing Show Live in June, although I won't be speaking. There might be other things that emerge, but in general, I'm not doing much speaking in 2026 because I need to … Finish my Masters in Death, Religion, and Culture This represents a lot of work as I am doing the course full-time. I should be finished in September, and much of the middle of the year will be focused on a dissertation. I'm planning on doing something around AI and death, so that will no doubt lead into some fiction at a later stage! Talking of fiction … Bones of the Deep — J.F. Penn The Masters is pretty serious, as is academic research and writing in general, and I found myself desperate to write a rollicking fun story over the holiday break between terms. I've talked about this ‘tall-ship' story for a while and now I'm committing to it. Back in 1999, I sailed on the tall-ship Soren Larsen from Fiji to Vanuatu, one of the three trips that shaped my life. It was the first time I'd been to the South Pacific, the first time I sailed blue water (with no land in sight), and I kept a journal and drew maps of the trip. It also helped me a make a decision to leave the UK and I headed for Australia nine months later in early 2000, and ended up being away 11 years in Australia and New Zealand. I came home to visit of course, but only moved back to the UK in 2011, so that trip was memorable and pivotal in many ways and has stuck in my mind. The story is based on that crossing, but of course, as J.F. Penn my imagination turns it into essentially a ‘locked room,' there is no escape out there, especially if the danger comes from the sea. Another strand of the story comes from a recent academic essay for my Masters, when I wrote about the changes in museum ethics around human remains and medical specimens i.e. body parts in jars, and how some remains have been repatriated to the indigenous peoples they were stolen from. I've also talked before about how I love ‘merfolk' horror like Into the Drowning Deep by Mira Grant, All the Murmuring Bones by A.G. Slatter, and Merfolk by Jeremy Bates. These are no smiling fantasy mermaids and mermen. They are predators. What might happen if the remains of a mer-saint were stolen from the deep, and what might happen to the ship that the remains are being transported in, and the people on board?  I'm about a third in, and I am having great fun! It will actually be a thriller, with a supernatural edge, rather than horror, and it is called Bones of the Deep, and it will be out on Kickstarter in April, and everywhere by the summer.  You can check out the Kickstarter pre-launch page with photos from my 1999 trip, the cover for the book, and the sales description at JFPenn.com/bones Add merch to CreativePennBooks.com and JFPennBooks.com I've dipped my toe into merch a number of times and then removed the products, but now I'm clear on my message of transformation, I want to revisit this. My books remain core for both sites, but for CreativePennBooks, I also want to add other products with what are essentially affirmations — ‘Creative,' ‘I am creative, I am an author,' and variants of the poster I have had on my wall for years, ‘Measure your life by what you create.' This is the affirmation I had in my wallet for years! For JFPennBooks, the items will be gothic/memento mori/skull-related. Everything will be print-on-demand. I will not be shipping anything myself, so I'm working with my designer Jane on this and then need to order test samples, and then get them added to the store. Likely mid-year at this rate! How to Write, Publish, and Market Short Stories and Short Story Collections — Joanna Penn I have a draft of this already which I expanded from the transcript of a webinar I did on this topic as part of The Buried and the Drowned campaign. It turns out I've learned a lot about this over the years, and also on how to make a collection, so I will get that out at some point this year. I won't do a Kickstarter for it, but I will do direct sales for at least a month and include a special edition, workbook, and bundles on my store first before putting it wide. I will also human-narrate that audiobook. Other possible books I'm an intuitive creative and discovery writer, so I don't plan out what I will write in a year. The books tend to emerge and then I pick the next one that feels the most important. After the ones above, there are a few candidates. Crown of Thorns, ARKANE thriller #14. Regular readers and listeners will know how much I love religious relics, and it's about time for a big one! I have a trip to Paris planned in the spring, as the Crown of Thorns is at Notre Dame, and I have some other locations to visit. My ARKANE thrillers always emerge from in-person travels, so I am looking forward to that. Maybe late 2026, maybe 2027. AI + religion technothriller/short stories. I already have some ideas sketched out for this and my Masters thesis will be something around AI, religion, and death, so I expect something will emerge from all that study and academic writing. Not sure what, but it will be interesting! The Gothic Cathedral Book. I have tens of thousands of words written, and lots of research and photos and thoughts. But it is still in the creative chaos phase (which I love!) and as yet has not emerged into anything coherent. Perhaps it will in 2026, and the plan is to re-focus on it after my Masters dissertation.  I feel like the Masters study and the academic research process will make this an even better book, But I am holding my plans for this lightly, as it feels like another ‘big' book for me, like my ‘shadow book' (which became Writing the Shadow) and took more than a decade to write! How to be Creative. I have also written bits and bobs on this over many years, but it feels like it is re-emerging as part of my focus on transformation. Probably unlikely for 2026 but now back on the list … Experiment more with AI translation AI-assisted translation has been around for years now in various forms, and I have experimented with some of the services, as well as working with human narrators and editors in different languages, as well as licensing books in translation. But when Amazon launched Kindle Translate in November 2025, it made me think that AI-assisted translation will become a lot more popular in 2026. AI audiobook narration became good enough for many audiobooks in 2025, and it seems like AI-translation will be the same in 2026. Yes, of course, human translation is still the gold standard, as is human narration, and that would be the primary choice for all of us — if it was affordable. But frankly, it's not affordable for most indie authors, and indeed many small publishers. Many books don't get an audiobook edition and most books don't get translated into every language. It costs thousands per book for a human translator, and so it is a premium option. I have only ever made a small profit on the books that I paid for with human translators and it took years, and while I have a few nice translation deals on some books, I'm planning to experiment more with AI translation in 2026. More languages, more markets, more opportunities to reach readers. More on this in the next episode when I'll cover trends for 2026. Ideally outsource more marketing to AI, but do more marketing anyway You have to reach readers somehow, and you have to pay for book marketing with your time and/or your money. Those authors killing it on TikTok pay with their time, and those leaning heavily on ads are paying with money. Most of us do a bit of both. There is no passive income from books, and even a backlist has to be marketed if you want to see any return. But I, like most authors, am not excited about book marketing. I'd rather be working on new books, or thinking about the ramifications of the changes ahead and writing or talking about that in my Patreon Community or here on the podcast. However, my book sales income remains about the same even as I (slowly) produce more books, so I need to do more book marketing in 2026. I said that last year of course, and didn't do much more than I did in 2024, so here I am again promising to do a better job! Every year, I hope to have my “AI book marketing assistant” up and running, and maybe this will be the year it happens. My measure is to be able to upload a book and specify a budget and say, ‘Go market this,' and then the AI will action the marketing, without me having to cobble together workflows between systems. Of course, it will present plans for me to approve but it will do the work itself on the various platforms and monitor and optimize things for me. We have something like that already with Amazon auto-ads, but that is specific to Amazon Advertising and only works with certain books in certain genres. I have auto-ads running for a couple of non-fiction books, but not for any fiction. I'd also ideally like more sales on my direct stores, JFPennBooks.com and CreativePennBooks.com which means a different kind of marketing. Perhaps this will happen through ChatGPT shopping or other AI-assisted e-commerce, which should be increasing in 2026. More on that in trends for the year to come in the next show. Double down on being human, health and travel I have a lot of plans for travel both for book research and also holidays with Jonathan but he has to finish his MBA and then we have some family things that take priority, so I am not sure where or when yet, but it will happen! Paris will definitely happen as part of the research for Crown of Thorns, hopefully in the spring. I've been to Paris many times as it's just across the Channel and we can go by train but it's always wonderful to visit again. Health-wise, I'll continue with powerlifting and weight training twice a week as well as walking every day. It's my happy place! What about you? If you'd like to share your goals for 2026, please add them in the comments below — and remember, I'm a full-time author entrepreneur so my goals are substantial. Don't worry if yours are as simple as ‘Finish the first draft of my book,' as that still takes a lot of work and commitment! All the best for 2026 — let's get into it! The post My 2026 Creative And Business Goals With Joanna Penn first appeared on The Creative Penn.

    unSeminary Podcast
    Closing the Ministry Income Gap: Need an Extra $1,000 a Month? Try This Proven Side Hustle with Tim MacLeod

    unSeminary Podcast

    Play Episode Listen Later Jan 1, 2026 43:09


    Welcome back to another episode of the unSeminary podcast. Today we're talking with Tim MacLeod, a former nurse who escaped the financial treadmill by flipping couches—and now teaches others how to do the same. Are you a church leader feeling the financial squeeze? Looking for a side hustle that doesn't require debt, special skills, or hours you don't have? Tim's story offers a practical roadmap—and encouragement—for anyone needing to close that income gap. Burnout and financial pressure. // Tim became a nurse at 21, newly married, supporting his wife through teacher's college, and quickly thrown into adult responsibilities. The only way to stay financially afloat was by working overtime once or twice a week. When their second child was on the way, he realized the path he was on was unsustainable. Finding financial freedom. // Options like upgrading his nursing degree, relocating, or working in dangerous psychiatric facilities were unappealing. Tim needed something flexible, part-time, and profitable enough to replace overtime. He discovered flipping phones and iPads first, but competition was fierce. Then, after borrowing a trailer and responding to a free couch listing, everything changed. He cleaned it up, sold it the next day for $280, and instantly covered more than an entire nursing shift. Why flipping couches works. // The opportunity exists because of a gap in the marketplace. Most people don't own trucks, can't move heavy furniture, and face tight deadlines when moving. Sellers value reliable pickup over price; buyers value affordable furniture delivered to their door. Tim steps into this gap. With polite communication and kindness, he creates a “win-win-win”: sellers get rid of furniture quickly, buyers get affordable delivered couches, and Tim earns a consistent profit. He estimates most beginners can make $1,000/month by flipping just five couches—buying each for around $50 and selling for $250 with delivery included. A side hustle with time freedom. // One of the most surprising parts of Tim's business is the flexibility. He built the early stages of his flipping business in the evenings with his wife and baby riding along—road dinners, cheap pizza, and trips to pick up inventory. Now he schedules pickups during school hours, stacks deliveries based on availability, and can pause or accelerate the business as needed. It's ideal for ministry families with unpredictable schedules. Why you can succeed at this. // Many of Tim's students are pastors or church employees, and he says ministry workers have unique advantages: access to storage at the church, a heart for helping people, strong communication skills, and the ability to bring calm to awkward interactions. Many pastors live outside their ministry communities—creating the perfect “import/export” opportunity where they can buy in one market and sell in another. And unlike many side hustles, flipping couches doesn't conflict with ministry—it simply provides supplemental income with minimal stress. A free resource to get started. // Tim created a free Google Doc of scripts—his exact messages for starting conversations, vetting couches, and negotiating with integrity. To get it, simply comment scripts on any of his Instagram videos and he’ll email it your way. He also offers an affordable course walking through his full system, including storage setup, videos, delivery strategies, and scaling beyond $1,000/month. To learn more or access Tim's free scripts, visit him on Instagram @thefulltimeflipper or explore his full course at tim-macleod.com. Thank You for Tuning In! There are a lot of podcasts you could be tuning into today, but you chose unSeminary, and I'm grateful for that. If you enjoyed today's show, please share it by using the social media buttons you see at the left hand side of this page. Also, kindly consider taking the 60-seconds it takes to leave an honest review and rating for the podcast on iTunes, they're extremely helpful when it comes to the ranking of the show and you can bet that I read every single one of them personally! Episode Transcript Rich Birch — Hey, friends, welcome to the unSeminary podcast. So glad that you have decided to tune in. We’re definitely having a very un-unSeminary episode today. You know recently I heard some statistics that I was like, man, we gotta do something about this. According to the Bureau of Labor and Statistics—you’re like, it’s a little early in the year for the Bureau of Labor and Statistics—but there’s a 13% gap between what religious workers—people who are clergy actually, is the title—and the average income in the country makes – a 13% gap. In fact, it even gets worse when you look at people, there’s a category called “religious workers, other”, which these would be like not the senior pastor types. This is like everybody else that works in a church. There’s a 40% gap between those people and the the average salary in the country. Rich Birch — And so why am I bringing this up? Because I know that there are people that are listening in today that are feeling that gap. Here we are in January and they’re feeling the pressure of that. And I want to help you with that. And so I’ve got a friend, like a friend from real life, friends. This is like we’re in the same small group. We know each other, incredible leader, and I want to expose you to him. But more importantly, I think he can help you with that gap.Rich Birch — It’s my friend, Tim MacLeod. Tim was a nurse with the dreams of fatherhood and home ownership, but after a few years was faced with reality and no time, no amount of overtime was really going to fill the gap that he needed to make things work. And after being stuck on that kind of financial treadmill, he found a way out. He found the niche of, wait for it, friends, flipping couches. What? Flipping couches and was able to quit his nursing job and now does this full time. And I’ve asked him to come on. Uh, because I think what he did at the beginning, even part-time, I think could help some of us today that are, that are listening in. Tim, welcome to the show. So glad you’re here.Tim MacLeod — Thanks so much for having me, man. I’m excited.Rich Birch — This is going to be a good conversation. Kind of fill in the story. Tell us a little bit, uh, tell us about your background, and how did you get in? How did you go from nursing to flipping couches?Tim MacLeod — So I wanted to be obedient and I got married maybe a little bit too young at 21. My wife was still in teacher’s college. And so very, very quickly I was thrown into adulthood of two cars, rents and all the things that come with that.Tim MacLeod — And nursing was good. I was a registered practical nurse, so not a university educated RN making bank, but doing okay with a college diploma. And I got the comfy gig at a long-term care home because I preferred eight-hour shifts and not the, I didn’t want nights.Rich Birch — Midnight and all that.Tim MacLeod — I just wanted, yeah, exactly.Rich Birch — Yeah, yeah, yeah.Tim MacLeod — I wanted the free parking and the the reliable six to two shifts. That was just the lifestyle that I liked. And the only way that I could stay afloat financially was with doubles. I had to do my six to two and then at least once a week, usually twice, if I wanted to have any money to play with, um I would work the two to ten.Rich Birch — Wow.Tim MacLeod — And that was cool while my wife was in college or while she was finishing up teacher’s college, that was fine. And then, we had a newborn baby and that was fine. Because anytime that I would have to do those doubles, she’d go to sleep, go for a sleepover at her parents’ place. And, uh, and I would just drudge up the shifts.Tim MacLeod — And, but then when we were pregnant with number two, I knew that there was difficulties coming. And the road ahead did not look very good. And so I needed something different and all my options for replacing the income suck. Like I could go back to school and upgrade to RN, but I scraped through the first time. So that was nuts.Rich Birch — Right.Tim MacLeod — I didn’t have much hope in myself in that avenue. And I could go, I could relocate, I could move or I could commute about an hour and 20 away to the mental health hospital and make like danger pay in like an asylum, basically with my current qualifications.Rich Birch — Right.Tim MacLeod — And everything just looked terrible. I hated all of that. And all I needed was something better than overtime. I just needed to replace that portion of the income. And I needed something better in my evenings that hopefully I could do with my wife or from home. And so I was looking at side hustles.Tim MacLeod — And I had a little bit of success flipping phones and iPads because that’s all that I really understood…Rich Birch — Okay. Yeah, yeah.Tim MacLeod — …all I understood at the time. And I live about an hour north of where my in-laws live, which is a pretty dense population. I’m in the sticks and the supply was really light there. So I could reliably go for a free meal at my in-laws place, pick up an iPhone or three and for like 300 bucks and then bring them home and sell them for 450 bucks. And so that took that took the pressure off and that was like grocery money.Rich Birch — Right.Tim MacLeod — And it was really consistent, really reliable. And and it was fun too. I really liked it. I liked the negotiations. I liked, I liked not trading time. Rich Birch — Right.Tim MacLeod — Like I liked making making a profit instead of a wage. And that I was hooked on that, but there was competition. Like I wasn’t that clever doing that.Tim MacLeod — There was there was kids that were closer to the inventory ripping around in little Hyundai Elantras and uh i remember meeting this this Indian kid named Lucky, at least his Canadian name was Lucky, and he was beating me to all the goods. And and I met him one time to buy a phone for myself and I actually got to meet him and ask him some questions and he was making four grand a month flipping phones.Rich Birch — Wow.Tim MacLeod — And I thought that is so sick, and it’s just a pure cash hustle. And he was making more doing that than whatever his office or IT job was at the time. And I was super inspired by that, but I didn’t want to compete with him. So that kind of that kind of festered with me a little bit.Tim MacLeod — And um I just got an awesome idea. Well, was gifted to me by the Holy Spirit, I think, based on how fast and how fierce it came, that I need to get skills and tools to sell in a different category, something with a higher barrier to entry. And I wanted something where I didn’t have to compete with the Honda Civics and the Hyundai Elantra’s that were closer to the action.Rich Birch — With Lucky. Yes.Tim MacLeod — Yeah, exactly. He was smoking me. And and it also, it was a little bit of that and then also a little bit of me coveting. I wanted to get like, um I wanted an excuse to buy a Ford Ranger. I wanted a truck at the time.Rich Birch — Love it.Tim MacLeod — And so this combination, this combination of like wants and needs at the time, had me pitching an idea to my brother, Ross. I’m just like, Hey, what do you think about instead of phones and iPads? What if I got a truck and I started doing like washers and dryers or appliances or something like that? And he said, that’s a cool idea.Tim MacLeod — You’re good at the phones and iPads thing. And I definitely like, you’re good at the negotiations, all that. But don’t start eight grand in debt. That’s so stupid. Why don’t you just borrow my trailer and just try it? And I said, well, I don’t have a, I don’t have a hitch on my car. He said, get a hitch on your car, buddy. Okay. So, put that on the Visa, did not have the money for it. Rich Birch — Wow. Tim MacLeod — Put that on the Visa, put a two inch two inch hitch and four prong wiring on Mazda 5 like the little four cylinder, little mini minivan.Rich Birch — Oh, I wish I would have saw this at that. I wish I would have s seen this at this phase. Cause that, that, that would have been amazing to see him getting pulled around.Tim MacLeod — It was it was pretty cute and it was a big trailer too 12 by 6 aluminum being pulled by this little aaaaahhh. And it was stick shift and and…Rich Birch — Nice.Tim MacLeod — …and the first day I got the trailer, the only thing I could find, because I was just itching to use it, was a free couch. And it was one of those beige microfiber, like gets dirty if you look at it wrong.Rich Birch — All right. Yes.Tim MacLeod — Like they hold on to every water stain.Rich Birch — Yes. Yes.Tim MacLeod — And it was that and it was free and it needed a little bit of TLC. And I went and I got it for free. Brought it home and with a damp cloth, scrubbed out all the little marks and had it looking good. Took a picture of it, listed it with an offer of delivery and it sold the next day for 280 bucks.Rich Birch — Wow. That’s amazing.Tim MacLeod — It was awesome. Because a nursing shift net was like 180.Rich Birch — Wow, OK.Tim MacLeod — I think I was, I think I was 28 bucks an hour for an eight hour shift after taxes. Yeah. Probably like 180 hit the account.Rich Birch — Wow.Tim MacLeod — And so 280 for that. And it was one of those trips of free meal at, at the in-laws and then a free couch and then bring it home and then solve somebody’s problem of, I just got an apartment. I don’t have a car or my car’s too small and I need a couch.Rich Birch — Yes, yes.Tim MacLeod — And their option was, rent a U-Haul or go to Leon’s and finance something that comes delivered. Both are not very good options for most people. And then lo and behold was this guy who said, I got a couch, I can bring it by. And it was just the easiest yes for them. It was a win for everybody. Rich Birch — Right.Tim MacLeod — The person who needed the couch picked up, didn’t care about the money. They needed reliable pickup more than they needed cost recovery of the item because they had a deadline. I needed a way to make some cash and the person on the receiving end needed a couch that was affordable that came delivered. So it was just a win-win-win for everybody. I was like, okay, forget about appliances. Couches – I love this. And it was easy, it was it was easy enough to lift by myself. Rich Birch — Did you ever do appliances? Did you ever do appliances in there? Tim MacLeod — Yeah. I did a washer and dryer and ate a loss on that because it needed repair and I didn’t… Rich Birch — Love it. Tim MacLeod — …I paid for someone to assess and they were like, yeah, this thing’s broken. Was like, sweet. Okay. So a hundred bucks to you for, for, to tell me that it’s hopeless, and then pay for junk removal too.Rich Birch — Yes.Tim MacLeod — Like it was just such a loss. But couches, I could reliably sit on it and be like, well, that’s not broken. And I can handle that little stain or I can, my wife could stitch that up.Rich Birch — Right. Right.Tim MacLeod — And, uh, it was just so safe. And I loved it. If, if I were handier, I’m sure I could, flip snowblowers or lawnmowers or cars or something like that, but I’m not handy. I’m just, I have the ability to relocate stuff. Rich Birch — Right.Tim MacLeod — And so couches were just so perfect where I could just accurately be like, that’s 300 bucks to me. Rich Birch — Right.Tim MacLeod — And they only want 60 for it. Perfect. Let’s do that.Rich Birch — So and let’s double click on that. A part of what, so friends, like with the reason why, I think you’ve seen why I’ve got Tim on the the line today. I want to inspire you to think like, hey, you you could in part-time make a little extra a month. And I’m going to get to that with Tim. I’m going We’re going hammer down on, okay, what exactly would be some of the first steps that you take? But let’s unpack a little bit more. You’ve talked about once this insight, which I think is just a stellar insight that’s obviously at the core of your business. It’s this whole timing thing. Like people, you know they think a couch is worth certain certain amount, but they’re moving on X date, and the value of that couch goes down. But then it’s literally the reverse. Someone on the other side, they have an empty living room and they’re like, I need something here.Rich Birch — Unpack that a little more, kind of double click on… that value exchange and how you’re in the middle of that. What’s it talk us through what that looks like.Tim MacLeod — Yeah, there’s there’s a gap. There’s a gap in the marketplace. On the one end, we’ve got people who need it picked up and their options are hope that someone will pay the price that they want. And then if they hit a deadline, then their option is junk removal or put it to the curb. And so there’s a gap to fill there. Tim MacLeod — And then on the other side, there’s a gap of people who need a couch dropped off but can’t do it themselves. Like how many, what’s the population of people that own a truck that can actually do it is probably less than 10%. Most people have cars and hatchbacks and SUVs and stuff like that.Rich Birch — Right. Tim MacLeod — And then there’s also the how many people can lift a couch. I would say easily less than half the population. And so there’s just this huge gap that can be filled. And so by just committing to being the dude, you can help a lot of people solve a lot of problems. And there’s a little slice in it for you too.Rich Birch — So one of the things I’ve heard you say is that you have found this process of buying couches and then, you know, sitting on them for a while, maybe cleaning them a little bit and then turning around selling them is really flexible. Talk us through that. You know, it feels like you’re, you know, you’re, you have some time control. Talk us through what that looks like for you in your current world.Tim MacLeod — Yeah, the time freedom is crazy. And that was the appeal in the beginning was [inaudible] I didn’t want to be strapped to a location, a building to to make money. I had to be away from my wife and kids. But when it, couches just took off so fast that the first time I flipped a couch, I immediately called the scheduling office and reneged on all of my overtime. I said cancel all my two shifts.Rich Birch — Oh, wow.Tim MacLeod — I’m done. I’m I’m I’m just doing my 10 shifts. And, and then it didn’t take too long before i wanted to quit so fast, man. I wanted to be out of there. My, my my passion for the, like, I was so replaceable. Like as soon as if if I’m gone, someone’s going to fill the shift.Rich Birch — Right. Right.Tim MacLeod — Like, ah but there was a, there was a huge, there was a need that, and it was fun for me too. It was a game. I forget the question.Rich Birch — Yeah, I was just talking about the time flexibility, like how you feel like it’s, you know, you have a fair amount of time freedom. Part of what I’m trying to get to is pastors are busy people. Church workers are busy people. Is this even the kind of thing that they could fit into, you know, an existing as like a side hustle kind of thing?Tim MacLeod — Yes. Yeah. The time freedom is crazy. And so on the buying side, I’m just letting people know when I’m available. And sometimes I’ll tie it up with ah with a $50 deposit so that they can market it sold with confidence and they know that I’m not going to ghost on them. And that I have the peace of mind of nice, that’s mine for when I need it. And I’ll squeeze them for a deadline so that I make sure that I’m providing the service of reliable pickup in a manner that works for them. Tim MacLeod — But yeah, I’m just stacking pickups when it’s convenient for me. And in this current season, it’s during school hours. Rich Birch — Right.Tim MacLeod — So I’ll drop the kids off at school and then rip south and grab some stuff. But in that season, it was I’m available in the evening. And so I would come home from school, I’m sorry, work from my nursing job. And my wife would pack up, we pack up a little cooler bag of like a road picnic of dinner.Rich Birch — Right.Tim MacLeod — We had a one-year-old baby at the time and, uh, oh, that summer there was a lot of 50% off pizzas. Pizza Hut had a, the, the apps, we had all, all the apps, lots of road dinners. Rich Birch — Yes. Yes. Tim MacLeod — And Costco was clutch too.Rich Birch — Yeah.Tim MacLeod — But, um, yeah, just when I had an availability, I would acquire inventory and then they’d sell when they sell. And and again, full flexibility of, okay, I’m available at this time. I can squeeze in a delivery or someone could come pick it up. But yeah, the the time freedom is crazy and it’s sweet to to to just dabble in profits instead of relying on a wage. Rich Birch — Right.Tim MacLeod — Yeah, time freedom is awesome.Rich Birch — Well, you talked about the fact that your you know your brother was telling you you’re good at negotiations. I know there are people that are listening in today that are feeling like, oh, there’s no way that I would be good at negotiations. Obviously, you’ve got to buy the thing for considerably lower than what you’re selling it for. Talk us through even just a couple, help us get over that hurdle in our brains. Man, I just don’t know that I could do that.Tim MacLeod — Yeah. So the first thing is I’m scrolling a lot. And not not frequently. I’m not glued to my phone. But when I do it, I lock in. Like today was the shopping session and it was headphones in with some instrumental music, just kind of vibing. And I’m probably scrolling, looking at probably 400, 500 couches. Rich Birch — Okay.Tim MacLeod — And I’ll message probably 20 to 30 of them. Because a lot of them are crap. A lot of them are actually new. There’s no opportunity with new coaches. like There’s lots of warehouse stuff that’s still on first Facebook Marketplace and stuff like that. But what I’m looking for is very specific. I’m looking for private sales from real people. You got to be able to spot the scammers and weed them out. Tim MacLeod — And I’m looking for couches that I would want in my lockers. I’m not worried about the price whatsoever. Because the price is super subjective and it’s just kind of like what they’re hoping for. It’s not actually what they’re necessarily going to get. So the price is irrelevant. I’m just looking at pictures and I’m compiling lists of couches that I would want. And I’m starting conversations so that it’s kind of like I’m, I’m, it’s it’s like I’m offering my service. I’m starting the conversation to see why they’re selling it, if there’s a deadline, and if they would be someone who would be receptive to my service. And it’s kind of like they’re paying me for my reliable pickup service with a smoking and deal on a couch.Tim MacLeod — And so I have to get them there. And it’s not just, I can’t just go around lowballing everybody because you burn the bridge and you hurt feelings. Rich Birch — Right. Tim MacLeod — So I’m starting conversations and I’m filling in the gaps on the item. So I’ll read the description and see what’s missing. Like, did they specify that there’s pets in the house? I want to know, is there pets? Are there smokers in the house? Does it need any repairs? Does it need any stain removal or restoration if it’s leather? And I’m filling in all the gaps. So I have a complete picture of what it is that I’m actually buying. And that’s all kind of like a trauma response from my many, many drives of shame of I didn’t ask the right questions.Tim MacLeod — And so it’s it’s definitely preventing the drive of shame. And I’m just running through these scripts that I have. And it would sound like it’s a lot of typing, but I’ve actually made keyboard shortcuts for all of it. So my opening question is, I’ll never say, hi, is this still available? Because everybody hates being asked, hi, is this still available? On Facebook Marketplace, right? Because they’ve made it ah they’ve made it a button… Rich Birch — Yes. That’s why it’s up. Tim MacLeod — …where it’s just like, hi, is this still available? But that upsets people, which is fair, because it’s annoying. But at the same time, most people don’t have empathy for the fact that, how else are they going to start the conversation? Why would you ask questions if you’ve got someone lined up for it? So I’ll ask the exact same question, but in a way that annoys nobody. And I’ll say, is anyone scheduled to pick this up? It’s the same question, but upsets nobody.Rich Birch — Same question, just in a different way.Tim MacLeod — So that’s, that’s my first shortcut is, good morning, good good afternoon, good evening, whatever. And then any, and so on my keyboard, any with two wise expands into anyone’s schedule to pick this up. And then the next one is, does it need any repairs or stain removal? That’s if it’s fabric. And that’s does D or D O E S S and then D O E s S S S or with three S’s is, does it need any repairs or restoration? That’s if it’s leather. And so it’s just these quick little, my thumbs are just, and just… Rich Birch — So cool. Tim MacLeod — …I’m, I’m drafting up this quick little paragraph that fills in all the gaps, firing that over. And then, And then they’ll reply and fill in the gaps. And then I park it. I pause the conversation by saying, okay, awesome. Thanks so much. Just starting to have a peek at options, might get back to you.Tim MacLeod — And that one line separates me from everybody on Facebook. Because most people ask a question and then they just leave it on read. They got that little picture, that little tiny profile picture of yourself that says that, hey, he read it, but he’s gone and it’s crickets.Rich Birch — Yes.Tim MacLeod — And it’s a very, very infuriating experience. And that’s kind of like part of my service is that I am very, very different on Facebook Marketplace. Like an experience selling to me is better than anybody…Rich Birch — Right.Tim MacLeod — …because of how I talk. Like I’ll receive offers every day from people that don’t use words. They just send a number. Rich Birch — Just money. Tim MacLeod — Like I’ve got a couch listed for 1150 and someone just sends 700 – no dollar sign, no question mark, no good morning, nothing like that. And, and that’s a fair offer. Like he’s… Rich Birch — Yeah. Tim MacLeod — …I paid, I paid a fifth of that, like 700 is a fair offer, but I automatically hate this guy. I don’t, I don’t hate, I don’t hate him. Rich Birch — Yes. No, I get what you mean.Tim MacLeod — But, but it’s immediately just like, dude! Rich Birch — Yes. Tim MacLeod — You like say, say hi, say please. Rich Birch — Yes. Yes. Tim MacLeod — Even a, even a question mark would be, you know, so that’s the kind of people that I’m dealing with. And I’ve got thick skin and I always operate on the mindset of, I do want to sell this guy and I, and I do want to see him later today. So I’m not going to match his energy. Rich Birch — Right.Tim MacLeod — I’m never, I’m never a thermometer. I’m always a thermostat. I always set, set the temperature in the room, you know?Rich Birch — Right. Love it. Yep.Tim MacLeod — And so that’s ah that’s a big factor. But yeah, running through those scripts and and just getting people to their best price. And so after pausing it of, thanks so much, just starting to have a peek at options, I’ll reconnect with them.Tim MacLeod — Now, this is this is if their price is optimistic and it’s not a price that I’m willing to pay. I’ll slow play it a little bit by pausing the conversation. And then I’ll come back and then I’ll hit them with my my secret weapon is my polite lowball offer. And the number they might hate the number, but it comes gift wrapped in this like apologetic, like, Hey, I’m…Rich Birch — Oh, you got to tell me more that you’re, you’re setting that up. Well, you’re like, what is the polite low ball offer?Tim MacLeod — For me, I’m shopping in Toronto, which is like 90 minutes, two hours away.Tim MacLeod — And so my apologetic offer is: It’s so far, is there any chance you’d consider this much, any chance you’d consider for an out of towner? And then I just plug in the number. And, and it’s always received well. And even if it’s even if it’s even if they’re firm, that’s fine. Now I know. Rich Birch — Right. It’s data. Tim MacLeod — But and ah honestly, if somebody accepts my offer, then I didn’t offer low enough. Like I’m i’m really pushing the limit.Rich Birch — Oh, interesting.Tim MacLeod — I’m flirting with the line between an optimistic offer and a rude offer, but because I’m so nice about it. And it’s, it’s kind of like, it’s my secret weapon to get them to their best price. Because the the worst way to get someone to their best price is what’s your best price?Rich Birch — Right.Tim MacLeod — Like whenever someone asks me that, it’s again, it’s just like, that’s annoying. I don’t like you.Rich Birch — Yes. Yes. Right, right, right, right, right.Tim MacLeod — But to politely lowball and then their counter is their best price. So I just want to squeeze them for their counter offer. And now I know what their best price is.Rich Birch — Right. Okay. That’s cool. There’s a lot there. And I know you’re want to stay tuned because Tim’s got an offer of some free help that he wants to give you that we’re going to, we’re going to get to here in a minute. So I know some of you were like, go back and ask questions on that. But I know that the free offer to help is going to help with some, some of those things. Rich Birch — What about negotiation on the other side? So I get a sense of what you’re talking about to try to get them, you know, there’s a time thing there and we’re going to wait and all that. But now on the other end, you’re trying to obviously maximize or get the biggest money for that couch you just bought, bought. What are some things we should be thinking about on that? How are you offering the couches in a way that, you know, captures people’s imagination and says like, oh, okay, that’s this, I want to do business with this guy.Tim MacLeod — So a big thing is where I’m selling it. It’s almost like I have an import business. It’s that I’m I’m ripping down the city and I’m shopping in the Tesla BMW neighborhoods where nobody has trucks and they sell really slowly. Rich Birch — Yeah.Tim MacLeod — And I’m loading a trailer and then bringing it home to the sticks where there’s not as much supply. And I’m selling to people who do have pickup trucks. Like where I live, there’s lots of people with trucks and trailers, but they weren’t doing that drive to the city like I did.Rich Birch — Right. Right.Tim MacLeod — So I’m destroying a Toyota Highlander in kilometers, which is really hard to do. It’s at 400,040 and she ain’t quitting anytime soon. It’s been a great car.Rich Birch — Love it.Tim MacLeod — So that is definitely like the fact that it feels like an import business feels like cheating.Rich Birch — Well, and can I just, I just want to interrupt you for a second here. This, because that dynamic, this is a part of why I wanted to have you on the show. Because one of the things that I’ve seen is like, it’s super common, like super common for church leaders to not live in the community that they serve. Because frankly, they can’t afford to live there because of that gap that I just told you about.Rich Birch — There is a wage gap between what people make and the communities they serve in. And so they typically live you know, 45 minutes, an hour away. I actually think that that, the fact that they’re just driving into the office could be, and then going back to wherever they live, could actually set them up for running this kind of business just because they’re in and out of where they’re at.Tim MacLeod — Oh, yeah. Yeah, that’d be cheating. If you could, if you could grab a couch on your way home from on your way home from work to bring it back to the sticks, that’d be awesome.Rich Birch — Yeah. Yeah. I see that all the time.Tim MacLeod — For sure. And at a lot of…Rich Birch — So the distance is one way. So there’s like an import out, out, port anything else that you get, it’s kind of an interesting part of how you negotiate on to try to increase the, the, the price.Tim MacLeod — Knowing what it’s worth and how quickly it would sell is definitely a factor. And just patience wins on both sides.Rich Birch — Right.Tim MacLeod — Being the dude who um can pick it up and someone is now, they had their optimistic kick at the can and now it needs to go and their patience has run out. Patience wins there. And then on the selling side to where I don’t, it’s not in my foyer. It’s not in my living room. The new couch hasn’t arrived. It’s in a storage locker ready to be picked up anytime. And my lockers are fairly affordable being in a rural spot.Tim MacLeod — And so it’s kind of like if if we were playing poker, I’m holding aces. I can deliver it. I can sell to anybody. I’m not relying on people on the small demographic who can pick it up. I can sell to the Honda Civic crowd. I can sell to seniors who can’t lift a couch themselves. I can finesse it into a patio door by myself. And so there’s the there’s the skill gap there as well. And all of the all of the hindrances that make selling a couch difficult are not a factor for me. I can lift them by myself. I can I have the best trailer. I have storage lockers. They can take as long as they need to sell. And I live in a market where there’s not as much supply. So it’s just, it feels like cheating. Like I’m just really, really set up for it. And it’s super easy to be patient.Rich Birch — Now, I don’t know if I’m going to force you to give away one of your secret weapons here, but talk about the videos that you shoot ah of the, you know, of the products. Because i to me, I think this is one of the things you do that I think is super unique. What is what’s unique about the videos that you might shoot? Say got this nice leather couch. It’s like, you know, it sells for $5,000 somewhere else. You’re selling it for whatever, $1,500, $2,000. What’s actually in that video that might set your your listings apart?Tim MacLeod — Yeah, so that was something that I feel like I pioneered. And since then, Facebook has now added a feature where you can add a video to a listing. But it’s so nice to have. So I’m I’m posting flattering photos. So it’s it’s a scroll stopper when they’re on Marketplace.Tim MacLeod — And they’ll inquire. And then my video is super, super honest. And the goal is for it to be so detailed that they could confidently say, okay, he just showed me all the reasons not to buy the couch because all my stuff is used. I’m not selling anything new. It’s all pre-owned. They all have some blemishes or some quirks or worn spots or something like that. But to include ah a video that shows all of the reason not to buy it really, really greases the wheels because no one’s coming to see a couch and then being disappointed when they get there. Everything was already shown.Rich Birch — Right. Right.Tim MacLeod — So they’re coming to just give, basically just come sit and sniff and make sure that it’s something that they would want in their house, or something they’d want to sit on for two hours a day. And, um, and so those videos really, really saved me so much time and gasoline. And since then they’ve added that where you can add a feature. So, or where you can add a video into the listing. And so as long as the video is less than a minute, so I’m aiming for 59 seconds, I’ll fill the whole thing and I’m showing every inch of it and I’m packing it with dialogue on the neighborhood that it came from, the people, the house. And a lot of times that’s a selling feature of this this couch came from North York. The house was ridiculous. Rich Birch — Right.Tim MacLeod — It’s one of those houses with three living rooms. And this is the one that had the Christmas tree for a month a year. Like this was barely used. And I’m just packing it with dialogue and really, really selling it.Rich Birch — Yeah.Tim MacLeod — And my goal is that I could deliver it with them like sight unseen that they could firm up. And that when that couch arrives, there are absolutely no surprises. It’s everything they ask for [inaudible]…Rich Birch — Which from from your point of view, like this isn’t the only couch you’re hoping to sell this week. And and a part of the way that you have to protect your time and protect your business, frankly, is not having a bunch of people come and check out couches and then decide against it. Whether they’re coming to your locker or you’re driving it to their place. That’s like the worst case scenario is they show up and they’re like, oh, I don’t want this. So you might as well be fully upfront and be like, hey, here’s some stuff that’s not great about it.Rich Birch — And you do it in a really clever way. I love those videos. You helped me sell a car, which was fantastic. And I love the video you did for, you know, for that, because it was the same thing. It was this kind of like fun, um you know, here’s five reasons why you shouldn’t buy this, which which is just endearing. People, you know, lean in and want to hear more about that.Rich Birch — Well, what about the lifting piece? So, you know, if you’re not seeing one of these clips, Tim is a man of a certain size. He’s got some girth to him. He can pick stuff up. But what if I can’t? What if I’m not that guy? What if it more like me? You know, you’re like, hey, I’m not sure that guy can pick up 20 pounds. Like, is that like, I know that’s a part of what your you offer. Obviously, it’s a part of your advantage. But, you know, not everybody can do that. Talk us through that hesitation.Tim MacLeod — Yeah, I don’t think that it’s a deal breaker for having success. I think that if you can carry in a stubborn load of groceries in from the house that you could make a lot of money flipping couches.Rich Birch — That’s good.Tim MacLeod — And it it feels like a very unique form of laziness. Like I’m the kind of guy that if I need to go start start the barbecue or go run and grab my wallet from the car, I’m going to walk across the whole house and look for my flip flops instead of bending over and lacing up my boots that are right there. Like it’s a very unique form of laziness where I could jackknife park the trailer up to the storage locker. I have the dolly, but I’d way rather just, hey-yep-hey-yep-pep-pep just, just he-man lift it myself. And I’ve got a lot of really good mechanics lifting it. Tim MacLeod — Lifting a couch solo actually is not very heroic. And, and I’ve taught a lot of people how to do it. And there is, there are some heroic angles where, where the couch is on the ground and all four feet are on the ground to like clean and jerk it up overhead is that would definitely take some mass and some explosive power, but you can always also lift the couch up from the side until it’s vertical and then kind of like let it teeter and, fall on you in ah in a safe manner. And the lift itself, like once it’s up, it’s it’s as easy as like portaging a canoe. It’s not it’s not as heroic as it seems.Tim MacLeod — And I’m still reliant on other people. I am a one man show and it’s not, the money’s not good enough to pay an employee to sit in the car with me for four hours for 30 seconds of actual work. And so that’s one of my, one of my questions that I’m asking people, lift with two T’s on my phone expands into is anyone available to help me lift it? I’ll be alone. So I do need muscle.Tim MacLeod — And, um, if it’s in the garage, I can do it solo, like dragging a couch onto my trailer is easy enough. They slide very well. And I do have the dolly if there’s anything overly technical, like the pullouts, it’s nice to have a dolly. But yeah, a lot of the times there’s people, there’s someone there to help me lift it. And very, very rarely is it, sorry, I had back surgery or sorry, I’m a single senior lady or something like that. There’s usually, and even even when they say that, sometimes I’ll press a little further. Like, do you have a helpful neighbor? Rich Birch — Right. Meet us.Tim MacLeod — Do you have a son-in-law who can who could that I could coordinate with? Yep. And a lot of times I’m just handing it, or I’m squeezing them for a cell phone number of whoever the the muscle is. And now I’m on their schedule.Rich Birch — Yeah, that’s cool.Tim MacLeod — So solo lifts are not required, but they are, they are helpful sometimes, especially at the locker when I’m by myself.Rich Birch — So this is how many years you’ve been doing this full time? Like you, so you left nursing, you know, I know this goes way back to the beginning the story. You left nursing and then how many times, how many years you’ve been doing this?Tim MacLeod — July, 2019, I borrowed the trailer from my brother. And I did full-time nursing plus evening couches for about a year, pulled back from full-time to part-time, part-time to casual. And I think it was May, 2021. Like I did a year of COVID nursing and hated every second of it. Like as soon as COVID was announced, I wanted to be out of there, but I had mortgage approval on the brain and T4 income, or W2 income for the Americans, is much more preferred for lenders than self-employed income. So I held on for that reason. And eventually left just because I hated nursing. I was getting like ulcers on my ears from wearing masks all day. Just the the charades of COVID were really, really ruining it for me.Rich Birch — So we’re going I want to get to that, that help that you’re, you know, you’re offering, which is fantastic. But I want to think about like a person that, you know, they, we want people to stay in their jobs. We don’t want them necessarily to leave. And so ah somebody that wants to make maybe like an extra thousand bucks a month, maybe that’s like, which is, you know, to lots of people, that is like a, that’s a game changer. Like that’s like, that makes all the difference in the world.Rich Birch — Give me a sense of what you think that would take to actually get to that point where, okay, yes, I could, you know, how much time do you think they would need to invest? You know, what would, what is that going to look like? How many couches do you think I’d have to move? You know, I know that’s hard to say. It’s like all North America wide, but give us a sense of kind of the framework of for an extra thousand bucks a month, what would that look like for somebody? Maybe it’s like a youth pastor that’s that’s listening in or an executive pastor. Or and they’re like, Hey, if I just had an extra 1000 bucks that’d make a huge difference in my life. What what would that look like?Tim MacLeod — Sounds like five couches to me.Rich Birch — Five couches. Okay.Tim MacLeod — Buy them for 50, sell them for 250. Delivered. Yep. And that’s that’s a great way to start is just three-seaters. Just rinse and repeat. Three-seater, three-seater, three-seater. But the money is sets and sectionals. That’s where my focus is now.Rich Birch — Okay, okay.Tim MacLeod — Now that does require trailer privilege. But with a with a minivan, you can pick up a three seater. Most three seaters will fit inside a Dodge Caravan or an Odyssey or a Toyota Sienna. And that’s a really good way to start lean and mean with a U-Haul, enclosed trailer, you just need a V6 all wheel drive. So obviously preferred, especially if you have the kind of weather we do, but, um, yeah, for 45 bucks for a U-Haul enclosed, that’s, that’s insured so that you could get in an accident and you’re not paying for it. Always take the insurance. Always. It’s only like five bucks. Tim MacLeod — But um yeah, 45 bucks for 12 by 6. And then you can pick up couch, love seat twice. But yeah, just fill in those trailers. But yeah, starting lean with what you have available and scaling up when it’s smart. And once you’ve proven that it’s possible in your market as well. But everyone’s using couches, so I think it’s good alright.Rich Birch — Yeah, so five, so five couches. How many conversations do you think I’d have to get into take to buy five couches, maybe on that side first?Tim MacLeod — I think, yeah, with the numbers, I think that if you were to start 30 conversations a month, that there would be, there would be five people that hit deadlines and they’d be like, sure. 50 bucks. If you can actually show up, it’s yours.Rich Birch — Right. Right. That’s that feels very doable. That doesn’t feel like crazy out of reach. Like there’s no way that feels like a good, you know, a great starting point for sure.Tim MacLeod — And nobody wants to do it. The barrier for entry is, is ah high enough that it’s it’s basically a private little fishing pond. A lot of people to help.Rich Birch — Right. So let’s talk about, I want to, you’re going to help people, which is amazing. And so you’ve put together some resources to help them kind of get the the ball rolling on this front. And how do, first of all, tell us what it is and then talk to us about how we can get that contact information. We’ll put links and all that in the show notes, but talk us through this.Tim MacLeod — Yeah. So those scripts that I was talking about, um, I’ve made a Google doc that is available. All you got to do is comment scripts on any of my videos and, uh, my little robot Tim will fire over, um, just squeeze you for an email and then I’ll fire that over. And, uh, it’s a good little list and you can plug those in just copy and paste and plug them into keyboard shortcuts in your phone. And then you can use those. Tim MacLeod — And it doesn’t have to be for couches. Like a lot of them are pretty couch specific, but just using those as inspiration for starting conversations and getting people to their best price and making sure that you have all the information so you’re making an informed purchase and there’s not any surprises. And and you’ll see with the with the flow of the conversation, I really am just gifting the blueprint on getting people to their best price. Tim MacLeod — And yeah, and then in my in my bio on instagram I’ve also got the couch course and I’ve run that before as a high ticket offer um and I had help from an agency to, to get leads and all that stuff. And I didn’t like it cause I didn’t like how much people were having to pay in order for me to afford that team. And I just want it to be an impulse buy price range. Tim MacLeod — So for a one hundred bucks, you can come along on a three month ride along with me while I’m pulling like $15,000 months. And, uh, the summer that I recorded that, was 2023 and I did 180k in sales with a gross profit so just sales minus cost of goods was north of a 100k, I think, after tax. I think it was like an 80k a year income. Rich Birch — That’s amazing. Tim MacLeod — And I had a three-year-old with me the entire time. My wife had gone back to work and was using her teaching license and I had a little three-year-old tow. And I also got 75 rounds golf in that year. So it’s, it’s…Rich Birch — That just got some people’s attention. Yeah, that’s amazing.Tim MacLeod — Yeah. The time freedom is stupid. The money is incredible. And, uh, it was, yeah, that was a really, really fun year.Rich Birch — Love it. So what we want to do is send people to your Instagram. Would that be the best? So @thefulltimeflipper, @thefulltimeflipper. And again, you can just comment on any one of his videos.Rich Birch — Well, first of all, Tim’s a great follow on social media. I’ve said this to lots of folks. It’s just such a fun follow. You know, it makes something like flipping just like I was like, man, I think I could do that. And, but just comment scripts on any of those and we’ll get access to those scripts.Rich Birch — And then if you’ll find the link to tim-macleod.com on there as well, which takes you to the course, it’s only a hundred dollars friends. That’s worth your investment. It’ll, it’ll really literally outline. There’s a bunch we could have talked about today and there’s a bunch of details to get into. It will drive into all of those. Literally just take his approach and just do it. Like just, take his scripts, take the what he’s done and apply it. And you’ll for sure be able to find that extra thousand dollars a month or more, you know, down the road. So, yeah, I would love that. and Anywhere else we want to send them. So Instagram, @thefulltimeflipper, anything else about that?Tim MacLeod — Oh, that’s lots. That’s good. And I was feeling pretty pretty silly that I never asked to come on your podcast earlier because a lot of my students are in church ministry in the States. And I think it’s such a sweet side hustle.Tim MacLeod — For me, it was an escape from a job that I didn’t like. But the fact of that most people need supplementary income is pretty across the board and especially in ministry. And a lot of my students have um have had that background and are still in it. And a lot of the time, the people that are in church ministry have an advantage of storage where the church, like they’re like, oh, I got free storage at my church. Pastor said the back room is available. And he said, as long as I just keep a rotation of couches for the student ministry…Rich Birch — Oh, that’s a good call.Tim MacLeod — Yeah, there was a lot of advantage there for church leaders. But yeah, it’s awesome, reliable, supplementary income. And it’s nice to not rely on your ministry for income. Like people aren’t in ministry for the big bucks. They’re there because they that is their purpose. That’s their calling. But the pressure of having to rely on that for income isn’t always the best.Rich Birch — Well, and I do think, um you know, I think folks who are in church ministry, a part of what I why why I think this is great that we’re talking about this is you might underestimate that even like a part of your core, it’s like literally core to your business is like, be kind to people and like be helpful. Tim MacLeod — Yeah.Rich Birch — And, you know, you don’t need to be sleazy. You don’t need to be, ah you know, some sort of like, oh, you’re like a used car salesman of couches. No, that’s not what it is at all. You’re just being kind and helpful and you want to try to close this gap in the market. And and I think there’s a lot of people in ministry who are like, my I could totally do that. I can make that happen for sure. So, Tim, I really appreciate this.Tim MacLeod — It really does feel like stewarding my gifts, you know?Rich Birch — Yeah, that’s great. So again, that is, if you just go to Instagram, @thefulltimeflipper, you should follow them there and then comment scripts for any of those. Appreciate you being on the show today, sir. Thanks so much.Tim MacLeod — Thanks, man.

    Understand the Bible?  Pastor Melissa Scott, Ph.D.

    The cross of Jesus Christ and His resurrection are inextricably linked. It is His power over death and sin.  Those that reject the message of the cross are in the process of perishing and to them, it is foolishness.  For the believer that stays connected in faith, the message of the cross is the promise of salvation and eternal life. VF-2523  1 Corinthians 1:18 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2026 Pastor Melissa Scott, Ph.D., All Rights Reserved

    X22 Report
    People Must See It To Believe It, 2026 Trump Is Ready To Unleash Hell On The [DS] – Ep. 3808

    X22 Report

    Play Episode Listen Later Dec 31, 2025 85:05


    Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureCanada is having problems, they are following the green new scam, since Trump placed tariffs on Canada they are desperately trying to find trading partners.Trump shows how windmills kill birds, where are all the environmentalist. The EU is now pushing the CBDC, Trump’s economy will overshadow the rest of the world. The people of this country and others must see the criminal syndicate. Without seeing it they people would have never believed there was a criminal syndicate. Trump has the leverage, more is coming in 2026 and after the midterms Trump is going to unleash hell on the [DS]. Every crime, scam and violation of the Constitution will be exposed. Justice is coming. Economy Canada Trying to Find Trade Partners   Prime Minister Mark Carney reflects a particular reality of the problem their economy will face in 2026. It appears that Canadian government officials have finally recognized the Trump administration plans to dissolve the USMCA or what Canada calls CUSMA next year.  With that reality they have a big problem. Mexico has been working throughout the year to initiate economic policies in alignment with the United States.  However, structurally and politically this is an alignment that is impossible for Canada to do.  Like many contracting European countries, the economic policies of Canada are centered around their climate change agenda and green energy goals. In order for Canada to position their economy to be in alignment with the rest of North America (USA and Mexico), Carney would have to reverse years of legislated rules and regulations.  That is not going to happen, and Canada will always be at a disadvantage because of it.   With three quarters of their economic production tied to exports into the USA, and with the USMCA likely to be dissolved in favor of a bilateral trade agreement, Canada now has to find other markets for its products or lower all the trade barriers currently in place.  Prime Minister Mark Carney is trying to find alternative markets. Carney has looked toward Europe, but that is a closed trade bloc difficult to engage.  Carney has looked to southeast Asia, but that is an export driven market with limited capabilities to import costly western products.  Carney has looked to Japan and China, but on scale there's little to be gained. The question is, where can Canada send its products if not to the USA.   The brutally honest answer is nowhere.  There just isn't any other market, or combination of markets, who could replace the consumer base of the USA.  Canada is refusing to admit this reality and 2026 is going to be a harsh awakening for the Canadian people. Source: theconservativetreehouse.com  https://twitter.com/DC_Draino/status/2006140340068291046?s=20  – A 2025 Trump administration initiative aims to enforce $1 million fines per bald eagle death. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Initial Jobless Claims End 2025 Near Record Lows The number of Americans filing for jobless claims for the first time plummeted last week to 199k – the lowest since the Thanksgiving week plunge and pretty much the lowest since Source: zerohedge.com https://twitter.com/amuse/status/2006392860006846799?s=20   to give them a shot at winning the midterms. https://twitter.com/CynicalPublius/status/2006141249045291038?s=20   went to the liquor store again and tried to buy €100 worth of booze using the government-run digital currency on your iPhone, but your transaction gets rejected. Why? Because some Eurotrash EU bureaucrat decided that it’s unhealthy for you to buy so much liquor in such a short period of time, so you gets nothing. And you have no recourse, because you have become a serf whose life is at the discretion of the government. (As an aside, single-payer, government-funded healthcare will work in synchronicity with this, deciding what is best for you health-wise, because after all it’s not fair that other citizens must pay for your cirrhosis and bad judgment.) You have been warned, Europe. Political/Rights https://twitter.com/SecDuffy/status/2006203195165462545?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006203195165462545%7Ctwgr%5Ebc322e2414802c704b50bc3c2955bae6d38269c1%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Frusty-weiss%2F2025%2F12%2F31%2Fgavin-newsom-tries-to-keep-illegals-on-the-road-a-little-longer-sean-duffy-immediately-cuts-him-off-n2197630 including cutting nearly $160 million in federal funding. https://twitter.com/nicksortor/status/2006168699502215508?s=20   The Attorney General or the Deputy Attorney General can get involved in any DOJ matter they choose. It'a not a judge's job to get in the middle of those internal deliberations. That's a serious violation of the separation of powers. The American voters want violent illegals out of our country. Waverly D. Crenshaw Jr., a Nashville Obama judge, needs to get back in his lane. https://twitter.com/HansMahncke/status/2006046386190422054?s=20   on taxpayers, should not exploit welfare systems built by the native population, should speak the language, assimilate into the host society, respect its laws and norms, and should not receive special carve-outs like separate schools, parallel institutions or different rules. If even these minimal basics can no longer gain agreement, then there is no realistic path to fixing the system at all. DOGE Geopolitical https://twitter.com/FBIDirectorKash/status/2005795643126595959?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2005795643126595959%7Ctwgr%5E813dbbc99cf3dee762087820edf11e55af9622ca%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fjenniferoo%2F2025%2F12%2F30%2Fisis-in-texas-fbi-arrests-man-who-helped-fund-global-terrorist-organizations-n2197594   propaganda, sent cryptocurrency believing it would fund terrorist activity, and attempted to deliver materials intended for explosive devices. This is radical Islamic terrorism, and it was identified and stopped. Great work by our FBI teams @FBIDallas and great law enforcement partners. https://twitter.com/visegrad24/status/2006157155666182556?s=20 https://twitter.com/AAbsaroka/status/2005723457997484150?s=20 https://twitter.com/WarClandestine/status/2006176939854196897?s=20 https://twitter.com/Osint613/status/2005961263419883887?s=20 https://twitter.com/Osint613/status/2006095673423179995?s=20 https://twitter.com/USABehFarsi/status/2005874044319436965?s=20 Courage if it were a picture…This is a black-and-white aerial photo depicting a scene from protests in Iran (likely Tehran, based on the post’s hashtags). It shows a lone individual standing defiantly in the street, holding a long pole or banner horizontally, facing a group of about a dozen uniformed security forces or riot police on motorcycles. The image symbolizes courage in the context of human rights and anti-regime demonstrations. War/Peace https://twitter.com/visegrad24/status/2006367551878844863?s=20 https://twitter.com/MyLordBebo/status/2006295058492882982?s=20 https://twitter.com/visegrad24/status/2006107978504524105?s=20 Zelenskyy Urges Trump to Visit Ukraine to Seal Russia Peace Deal Ukrainian President Volodymyr Zelenskyy suggested that President Donald Trump should visit Ukraine to help close a peace deal with Russia. Zelenskyy specifically urged Trump to travel directly into Ukraine rather than entering through Poland, arguing that such a visit would demonstrate confidence that a ceasefire is within reach. Source: newsmax.com Medical/False Flags [DS] Agenda Biden Housing Scandal EXPLODES: HUD Report Reveals Over $5 Billion in Questionable Rental Aid, Including Payments to Dead People and Non-Citizens  A bombshell federal report has blown the lid off yet another massive Biden-era taxpayer scandal — this time inside the U.S. Department of Housing and Urban Development. According to HUD's own Fiscal Year 2025 Agency Financial Report, more than $5 billion in rental assistance payments during the final year of the Biden regime were flagged as “questionable” or improper, exposing systemic failures, nonexistent oversight, and breathtaking incompetence at the federal level. Among the most jaw-dropping revelations: tens of thousands of payments were made to people who were already DEAD, and thousands more went to recipients who may not have even been eligible to receive taxpayer-funded housing assistance at all, the New York Post first reported. Buried in the HUD report is a stunning admission that federal systems failed to stop payments to 30,054 deceased individuals who were either still listed as active tenants or continued receiving rental assistance after their deaths. HUD officials acknowledged that only after cross-checking Treasury databases did they finally identify the scope of the problem — meaning for years, taxpayers were unknowingly footing the bill for people who no longer exist. “[Over] 30,000 dead people receiving housing isn't an accident — it was systematic fraud by Biden and the left. HUD will hold those who defrauded the American taxpayers accountable,” HUD Secretary Scott Turner wrote on X. According to the report:   “large concentration” of these questionable rental assistance funds flowed to Democrat-run strongholds, including: New York California Washington, D.C. Yet payments to deceased recipients were found in all 50 states, proving the rot was nationwide. Source: thegatewaypundit.com https://twitter.com/CynicalPublius/status/2006068825272508679?s=20   to U.S. citizens. See 8 U.S.C. § 1623(a). There are no exceptions. Virginia violates it nonetheless. This court should put an end to this and permanently enjoin the enforcement of provisions of the Virginia Education Code that directly conflict with federal immigration law. Virginia Code §§ 23.1-502 and 23.505.1 explicitly classify illegal aliens as Virginia residents based on certain conditions. That classification makes illegal aliens eligible for reduced in-state tuition and state-administered financial assistance for public state colleges and universities while U.S. citizens from other states are ineligible for the reduced tuition and must pay higher out-of-state tuition rates. This is not only wrong but illegal. The challenged act's discriminatory treatment in favor of illegal aliens over U.S. citizens is squarely prohibited and preempted by federal law, which provides that “an alien who is not lawfully present in the United States shall not be eligible on the basis of residence within a State . . . for any postsecondary education benefit unless a citizen or national of the United States is eligible for such a benefit . . . without regard to whether the citizen or national is such a resident.” 8 U.S.C. § 1623(a) (emphasis added). The challenged act, as applied to illegal aliens, is thus unconstitutional under the Supremacy Clause of the United States Constitution. This Court should declare Virginia's law, as applied to illegal aliens, preempted and permanently enjoin its enforcement.” https://twitter.com/jonesville/status/2006273719602475506?s=20 https://twitter.com/thehoffather/status/2006240702213099815?s=20 https://twitter.com/libsoftiktok/status/2006327355166589007?s=20 https://twitter.com/MZHemingway/status/2006031707724546400?s=20 https://twitter.com/EndWokeness/status/2006038706893836481?s=20 https://twitter.com/HansMahncke/status/2006393802714439774?s=20 https://twitter.com/amuse/status/2006028437899862286?s=20  Patronage System here in America AND help them successfully assimilate. https://twitter.com/HHS_Jim/status/2006136004294664464?s=20  against the blatant fraud that appears to be rampant in Minnesota and across the country: 1. I have activated our defend the spend system for all ACF payments. Starting today, all ACF payments across America will require a justification and a receipt or photo evidence before we send money to a state. 2. Alex Adams and I have identified the individuals in @nickshirleyy ‘s excellent work. I have demanded from @GovTimWalz a comprehensive audit of these centers. This includes attendance records, licenses, complaints, investigations, and inspections. 3. We have launched a dedicated fraud-reporting hotline and email address at https://childcare.gov Whether you are a parent, provider, or member of the general public, we want to hear from you. We have turned off the money spigot and we are finding the fraud. @ACFHHS @HHSGov https://twitter.com/DOGE_HHS/status/2006145075315929532?s=20 will expand the system to support itemized receipts and photographic evidence, and make all data/receipts, where possible, available to the public. https://twitter.com/CynicalPublius/status/2006120694497857977?s=20   move to another state that is honest. Make sense? https://twitter.com/C__Herridge/status/2006091693259636775?s=20  alleges the probes were “buried” because it potentially implicated Biden Administration allies •Between late May 2025 and December 2025 FBI had 16 open investigations into approximately 32 healthcare and homecare providers accused of fraud •Described as massive, joint investigations including HHS Inspector General, Medicaid Fraud Unit, IRS, Postal Inspectors, MN Attorney General, MN Department of Education,  and others Probes Now Expanding In Minnesota, Investigators Are Exploring Nation-wide Fraud Schemes •FBI Surging forensic accountants and data analytics teams to MN •Identifying fraud, then “following the money” to see the “entire web” •Investigating potential links to elected officials and terrorist financing •Potential criminal violations include public corruption, fraud, cyber fraud, healthcare fraud, homecare fraud, money-laundering Investigations Include Federal Nutrition Programs •These investigations including day care facilities are exploring links to alleged fraud involving federal nutrition programs •The Feeding our Future probe exposed an alleged $250m fraud scheme that obtained federal funding during COVID for nutrition programs but almost NO meals were provided to children •It's alleged the monies were laundered through multiple entities to enrich the participants •78 have been indicted, 57 convicted, two found not guilty among the group. Just a heads up that Patel and Trump's FBI have been all over the Minnesota fraud thing for months, 78 people have already been indicted, and Kash is openly admitting that this was buried by the Biden admin. That’s not how FBI & DOJ work. Criminal investigations take months. Trials take years. No one knows yet if Bondi & Kash will measure up. It’s too early to tell. WATCH: Karoline Leavitt Says Trump “Not Afraid to Use Denaturalization” Against Somali Fraudsters — Search Warrants Being Executed and “People Will be in Handcuffs” Denaturalization, also known as revocation of naturalization, is the legal process by which the U.S. government revokes the citizenship of a naturalized U.S. citizen, effectively stripping them of their citizenship status. This is not a process that private individuals can initiate or “do” themselves; it is exclusively handled by the federal government through judicial proceedings in U.S. district court. It cannot be done administratively by U.S. Citizenship and Immigration Services (USCIS) alone, following a court ruling in 2000 that limited such authority. Grounds for DenaturalizationUnder the Immigration and Nationality Act (INA), denaturalization can only occur based on specific legal grounds. These include: The individual did not meet statutory requirements for naturalization at the time, such as lawful permanent residence, good moral character, required periods of residence or physical presence, or attachment to the principles of the U.S. Constitution (INA 316 and INA 340(a)).  The person hid key information or lied during the naturalization process (e.g., on Form N-400 or in interviews), and this directly led to approval. The fact must be “material,” meaning it could have influenced the decision (INA 340(a); see Supreme Court case Kungys v. United States, 485 U.S. 759 (1988)). Within five years after naturalization, the person joins or affiliates with the Communist Party, a totalitarian party, or a terrorist organization, which is seen as evidence of lacking attachment to the U.S. Constitution (INA 313, INA 340(c), and INA 316(a)(3)). For those who naturalized based on U.S. military service, revocation can occur if they receive a discharge under other-than-honorable conditions before completing at least five years of honorable service (INA 328(f) and INA 329(c)). These grounds apply only to naturalized citizens (those who went through the full process, including application, interview, approval, and oath). U.S.-born citizens cannot be denaturalized under these provisions. The process is initiated and pursued by the government, not individuals. Here’s a high-level overview:  USCIS or other agencies (like the Department of Homeland Security) identify potential cases through audits, investigations, or tips about fraud or ineligibility. If there’s sufficient evidence, USCIS refers the case to the Department of Justice (DOJ) via the U.S. Attorney’s Office. Coordination happens through USCIS’s Office of the Chief Counsel. Judicial Proceedings: The DOJ files a complaint in federal district court under INA 340(a). The government must prove its case by “clear, convincing, and unequivocal evidence” that leaves no doubt. This is a high standard, and the process can take years. Criminal Revocation: If the case involves fraud, the DOJ may pursue criminal charges under 18 U.S.C. 1425 (unlawful procurement of citizenship). A conviction automatically revokes naturalization under INA 340(e), with proof required beyond a reasonable doubt. If the court rules in favor of revocation, it issues an order canceling the Certificate of Naturalization, which the person must surrender. Citizenship is revoked retroactively to the original naturalization date, reverting the individual to their prior immigration status (often lawful permanent resident, but this could lead to deportation proceedings under INA 237). USCIS updates records and notifies the Department of State. Denaturalization is rare—historically, around 22,000 cases occurred in the 20th century, often tied to wartime or political contexts—but it has been used more in recent years for fraud cases. https://twitter.com/EricLDaugh/status/2006013185355112758?s=20   fraud in a ginormous scale. Minnesota also lets one person vouch for 8 migrant voters’ eligibility to vote WITHOUT them having to prove it! Minnesota needs to clean house, NOW. https://twitter.com/StephenM/status/2006079447922008292?s=20 President Trump's Plan  https://twitter.com/FBIDDBongino/status/2006087308404314365?s=20   disrupted (210% increase) -2,000+ kilos of Fentanyl seized (up 31%), enough to kill 130 million Americans -Nihilistic Violent Extremism arrests up 490% -Over 6,000 child victims located (up 22%) -Historic drop in U.S. murder rate. Please read the post from Director Patel for more details on the progress that has been made, and is ongoing. https://twitter.com/WarClandestine/status/2006091717074903047?s=20 https://twitter.com/Kimberlyrja8/status/2006193599365423586?s=20 LISTEN  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

    Mac OS Ken
    Analysts See a Happy New Year for Apple - MOSK: 12.31.2025

    Mac OS Ken

    Play Episode Listen Later Dec 31, 2025 13:40


    - Wells Fargo Reiterates Apple Rating on iPhone Strength in China - Wedbush Names Apple a Top-Six A.I. Play in 2026 - TrendForce: Apple Well Positioned Ahead of Expected 2026 Notebook Slowdown - Reports of Static and Hissing from Some iPhone 17 Pro/Pro Max Units - Apple TV Outs Trailer for Season-Three of "Shrinking" - Sponsored by Copilot Money: Get a two months free trial with Offer Code MACOSKEN at try.copilot.money/macosken - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

    The John-Henry Westen Show
    SCANDAL: Child Trafficking CRISIS met with SILENCE by Pope Leo

    The John-Henry Westen Show

    Play Episode Listen Later Dec 31, 2025 25:09


    “A predator's paradise.” That's how attorney Liz Yore describes the U.S. border system that has funneled over 450,000 unaccompanied minors into the shadows, many placed through Catholic Charities with no safeguards, no follow-up, and no way home. Liz Yore, a lifelong child advocate, details how children are being trafficked, abused, and lost with institutional complicity. Even more devastating, she reveals the silence of the U.S. bishops and Pope Leo, who have failed to use their moral authority despite knowing the truth. Yore connects this failure to Pope Leo's own mishandling of an abuse case in Peru, warning of a church that has not learned its lessons. This interview is a cry for the voiceless and a demand for the Church to choose protection over politics.HELP SUPPORT WORK LIKE THIS: https://give.lifesitenews.com/?utm_source=CH25_videoU.S. residents! Create a will with LifeSiteNews: https://www.mylegacywill.com/lifesitenews ****PROTECT Your Wealth with gold, silver, and precious metals: https://sjp.stjosephpartners.com/lifesitenews +++SHOP ALL YOUR FUN AND FAVORITE LIFESITE MERCH! https://shop.lifesitenews.com/ ****Download the all-new LSNTV App now, available on iPhone and Android!LSNTV Apple Store: https://apps.apple.com/us/app/lsntv/id6469105564 LSNTV Google Play: https://play.google.com/store/apps/details?id=com.lifesitenews.app +++Connect with John-Henry Westen and all of LifeSiteNews on social media:LifeSite: https://linktr.ee/lifesitenewsJohn-Henry Westen: https://linktr.ee/jhwesten Hosted on Acast. See acast.com/privacy for more information.

    Weird AF News
    Best of 2025 - Most Funny and Weird Stories of the Year

    Weird AF News

    Play Episode Listen Later Dec 31, 2025 69:36


    Weird AF News - Best of 2025: Radioactive Shrimp at Walmart. Denmark zoo asks for your pets to feed their animals. Woman dies on a bus with 26 iPhones attached to her. Meth smoking raccoon found in the driver's seat. Naked man with vaseline found in Lowes display shed. Man lights his home on fire to meet firefighters. Hotel no longer allowed to wake up guests with real baby pandas. Doctor amputated his legs for funsies. Defeat the drug cartels with song. And more... (and Happy New Year from Jonesy :P ) // Weird AF News is the only daily weird news podcast in the world. Weird news 5 days/week and on Friday it's only Floridaman. SUPPORT by joining the Weird AF News Patreon http://patreon.com/weirdafnews - OR buy Jonesy a coffee at http://buymeacoffee.com/funnyjones Buy MERCH: https://weirdafnews.merchmake.com/ - Check out the official website https://WeirdAFnews.com and FOLLOW host Jonesy at http://instagram.com/funnyjones - wants Jonesy to come perform standup comedy in your city? Fill out the form: https://docs.google.com/forms/d/e/1FAIpQLSfvYbm8Wgz3Oc2KSDg0-C6EtSlx369bvi7xdUpx_7UNGA_fIw/viewform

    Just Alex
    Our vibe going into 2026, Montana recap & babymoon plans

    Just Alex

    Play Episode Listen Later Dec 31, 2025 57:36


    HOT FLASHES & COOL TOPICS
    Rewriting the Middle: Healing Eating Disorders in Midlife with Mallary Tenore Tarpley

    HOT FLASHES & COOL TOPICS

    Play Episode Listen Later Dec 31, 2025 37:55


    13% of women over 50 struggle with the symptoms of an eating disorder. * Whether it is a recurrence or brought on by life transitions, hormones or stress, the numbers are rising. For our last episode of 2025, we are joined by Mallary Tenore Tarpley. Mallary is an assistant professor of journalism at the University of Texas and author of the new book, Slip: Life in the Middle of Eating Disorder Recovery. Mallary shares her personal experience along with clinicians, researchers, and others with lived experience.  We discuss the space between sickness and health and how therapists should be focusing on treating the personality traits in addition to the symptoms. *National Eating Disorder Association Show Notes/Links: www.hotflashescooltopics.com Book: Link Find Us Here! Website I [http://hotflashescooltopics.com/] Mail I [hotflashescooltopics@gmail.com] Instagram I [https://www.instagram.com/hotflashesandcooltopics/] Facebook : [www.facebook.com/hotflashescooltopics] YouTube I [https://www.youtube.com/@HotFlashesCoolTopics] Pinterest I [https://www.pinterest.com/hcooltopics/] Want to Leave a Review for Hot Flashes and Cool Topics? Here's How: For Apple Podcasts on an iPhone or iOS device: Open the Apple Podcast App on your device. Click on the “search” icon Type into the search bar “Hot Flashes and Cool Topics” and click on the show Towards the bottom, look for “Ratings and Reviews” Click on “Write a Review” and leave us your thoughts and comments! For Apple Podcasts on a computer: On the Apple Podcasts website, go to the search bar and type “Hot Flashes and Cool Topics” After clicking on the show, find the “Listen on Apple Podcasts” button and click on it The “Hot Flashes and Cool Topics” podcast should open on the Apple Podcasts application Keep scrolling on the page until you see “Ratings and Reviews” Click on “See All” If you want to give us a five-star rating, hover over the empty stars! • • If you want to leave your thoughts and comments, click on “Write a Review”!

    The Rebound
    579: The Three Scrooges

    The Rebound

    Play Episode Listen Later Dec 31, 2025 52:58


    We proudly announce that The Rebound has achieved its goal of being 100% solar-powered by the end of 2025.Moltz got the Asus ProArt monitor.Coke is selling an AI-flavored soda.Unifi has a cute ad for its new travel router.Dan and Lex loved iSteve.Moltz 3D printed this iPhone Fold model.If you want to help out the show and get some great bonus content, consider becoming a Rebound Prime member! Just go to prime.reboundcast.com to check it out!Were you aware that you could buy things from us?! That's right! Shirts, iPhone cases, mugs, hats and one other type of thing are all available from our Rebound Store!

    Primary Technology
    Apple in 2026, Launching New Projects, Listener Q&A

    Primary Technology

    Play Episode Listen Later Dec 31, 2025 66:22


    The Apple products we're most excited for in 2026, special announcements from both our hosts, and we answer listener questions!Ad-Free + Bonus EpisodesShow Notes via EmailWatch on YouTube!Join the CommunityEmail Us: podcast@primarytech.fm@stephenrobles on Threads@jasonaten on Threads------------------------------Sponsors:Antigravity A1 - Get the world's first 8K 360 drone! Free launch pad when you buy here!Copilot Money - Limited-time: Get 26% off your first year and a FREE month when you sign up at: try.copilot.money/primary------------------------------Links from the showCreative Effort | Jason Aten | SubstackStephen Robles | Shortcuts UniversityHow to Learn with Stephen RoblesSkull Shaver - Pitbull Gold PRO ★ Support this podcast ★

    Wits & Weights: Strength and Nutrition for Skeptics
    7 Ways to Lose Fat That ACTUALLY Work | Ep 420

    Wits & Weights: Strength and Nutrition for Skeptics

    Play Episode Listen Later Dec 31, 2025 41:02 Transcription Available


    Check out the new Fitness Lab app (iPhone and Android) to get personalized guidance on your fat loss, nutrition, and training... all in one place, with 20% off through January 2nd: https://witsandweights.com/app--Most people fail at fat loss not because they lack willpower, but because they're following strategies that don't work (or that backfire).In this replay of one of our most popular episodes, discover 7 evidence-based fat loss principles from 70 years of research and how to apply them without cutting out your favorite foods or living in the gym.Whether you're starting fresh in 2026 or breaking through a plateau, these proven strategies will help you lose fat, build muscle, and create lasting results without extreme diets or endless cardio.The goal is simple: protect muscle, manage hunger, move more, and use a moderate deficit you can sustain.Support the show

    Understand the Bible?  Pastor Melissa Scott, Ph.D.
    Satan and the Person of Antichrist

    Understand the Bible? Pastor Melissa Scott, Ph.D.

    Play Episode Listen Later Dec 31, 2025 58:11


    If we're going to study the person of Antichrist, we must start by studying the deceiver of the brethren, Satan, who will manifest himself incarnate in the person of Antichrist.  In this message, we will learn Satan's names and characteristics, as well as the names, titles, characteristics, and origins of Antichrist.  All of this will help us to be wise enough from the word to recognize what he looks like when he rears his head.  VF-2522 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved

    Loop Infinito (by Applesfera)

    Apple va a dividir, según The Information, su estrategia de lanzamiento del iPhone en dos lanzamientos anuales, expandiendo la línea a siete modelos simultáneos con plegable incluido. Del control estricto al pragmatismo: fragmentación intencional para defender su cuota en un mercado saturado.Loop Infinito, podcast de Xataka, de lunes a viernes a las 7.00 h (hora española peninsular). Presentado por Javier Lacort. Editado por Alberto de la Torre.Contacto:

    TD Ameritrade Network
    Ca$htag$: Apple (AAPL) Strong Holiday Season

    TD Ameritrade Network

    Play Episode Listen Later Dec 31, 2025 7:52


    Likefolio's Andy Swan says Apple (AAPL) “looks fantastic” and thinks it saw a strong holiday shopping season. He notes “extraordinarily strong” growth in consumer interest for iPhones, AirPods, and iPads. While Macbooks fell, they had tough comps, he notes. “Is there anything that can stop Apple at this point?”======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

    Chit-Chat Chill 唞下啦! | 美國廣東話節目
    男友影相 P 圖求生術|Boyfriend Photography Survival Guide

    Chit-Chat Chill 唞下啦! | 美國廣東話節目

    Play Episode Listen Later Dec 31, 2025 49:44


    Chit-Chat Chill 唞吓啦! - 第三季 | 美國廣東話 Podcast 節目

    吐槽脱口秀
    2025年终盘点,这一年你过的还好吗?[吐槽脱口秀]

    吐槽脱口秀

    Play Episode Listen Later Dec 31, 2025 32:03


    新年愿望实现了吗?工作难找、感情受挫、身体告急……老T用十年播客经历告诉你:别信成功学,活在当下才是真。免费节目靠牛肉干续命,听一期,骗自己快乐一天。02:04 二零二五年:展望未来,挑战与机遇交织04:09 在人际关系中找到快乐:家庭、朋友和爱情的重要性06:11 人生道路十八弯,爱情可能就在其中等待你!08:11 人生旅程中的欺骗与自我认知——2023年综艺节目探索10:37 振奋精神,迎接挑战!全新一年的节目宗旨来了!13:17 感谢听众朋友的支持,牛肉干儿购买成为生活收入的重要来源。15:54 我的IPHONE八万家,十年以上的耐心培养!18:36 他在那边默默转圈,我却无法与他交流:我们之间的隔阂与困境21:17 直播困境:摄像头、礼物和观众的挑战23:56 坚持与发展的故事:吐槽节目转型短视频的成功之路26:33 聚会整起来!在新的一年享受愉快的喝酒局和游戏时光!29:16 开开心心,快快乐,2023年到厦门,享受人生之旅!

    MacVoices Video
    MacVoices #25327: Live! - A Deep Dive Into Self-Driving Cars

    MacVoices Video

    Play Episode Listen Later Dec 31, 2025 32:48


    The MacVoices Live! panel takes a deep dive into the self-driving car debate, weighing sensational media coverage against real-world safety data and personal experiences with autonomous taxis. Chuck Joiner, Brian Flanigan-Arthurs, Marty Jencius, Eric Bolden, David Ginsburg, Web Bixby, and Jim Rea discuss human distraction, software transparency, police interaction with automated vehicles, and whether machines can outperform inattentive drivers in real-world situations.  The Antigravity A1 is the world's first 8K 360 drone, it's genuinely a game-changer. You get full immersive flight with the goggles, insanely intuitive controls, and endless creative freedom in editing.If you're thinking about buying a drone, make it this one. Check out the link in our show notes and get a free landing pad with your order! https://www.antigravity.tech/drone/antigravity-a1/buy?utm_term=macvoices Show Notes: Chapters: [0:00] Media coverage and self-driving incidents [1:11] Comparing autonomous driving to human drivers [2:20] Tesla and Waymo real-world experiences [5:41] Ride safety and public comfort with automation [6:52] Media bias and tech success stories [8:27] Police interaction and system improvements [9:47] Human distraction and societal impact [13:35] Transparency, regulation, and AI concerns [19:56] Interface frustrations and lighter discussion [21:55] Scheduling notes and community wrap-up Links: Driverless Waymo vehicle goes through tense police stop in L.A. https://www.nbcnews.com/news/us-news/driverless-waymo-vehicle-inadvertently-takes-riders-tense-police-stop-rcna246994 The Data on Self-Driving Cars Is Clear. We Have to Change Course. https://www.nytimes.com/2025/12/02/opinion/self-driving-cars.html Justin Bieber threatens Apple with 'rear naked choke hold' over Messages UI 
 https://appleinsider.com/articles/25/12/07/justin-bieber-threatens-apple-with-rear-naked-choke-hold-over-messages-ui Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect: Web:      http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices Mastodon:      https://mastodon.cloud/@chuckjoiner Facebook:      http://www.facebook.com/chuck.joiner MacVoices Page on Facebook:      http://www.facebook.com/macvoices/ MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice LinkedIn:      https://www.linkedin.com/in/chuckjoiner/ Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

    MacVoices Audio
    MacVoices #25327: Live! - A Deep Dive Into Self-Driving Cars

    MacVoices Audio

    Play Episode Listen Later Dec 31, 2025 32:49


    The MacVoices Live! panel takes a deep dive into the self-driving car debate, weighing sensational media coverage against real-world safety data and personal experiences with autonomous taxis. Chuck Joiner, Brian Flanigan-Arthurs, Marty Jencius, Eric Bolden, David Ginsburg, Web Bixby, and Jim Rea discuss human distraction, software transparency, police interaction with automated vehicles, and whether machines can outperform inattentive drivers in real-world situations.  The Antigravity A1 is the world's first 8K 360 drone, it's genuinely a game-changer. You get full immersive flight with the goggles, insanely intuitive controls, and endless creative freedom in editing.If you're thinking about buying a drone, make it this one. Check out the link in our show notes and get a free landing pad with your order! https://www.antigravity.tech/drone/antigravity-a1/buy?utm_term=macvoices Show Notes: Chapters: [0:00] Media coverage and self-driving incidents [1:11] Comparing autonomous driving to human drivers [2:20] Tesla and Waymo real-world experiences [5:41] Ride safety and public comfort with automation [6:52] Media bias and tech success stories [8:27] Police interaction and system improvements [9:47] Human distraction and societal impact [13:35] Transparency, regulation, and AI concerns [19:56] Interface frustrations and lighter discussion [21:55] Scheduling notes and community wrap-up Links: Driverless Waymo vehicle goes through tense police stop in L.A. https://www.nbcnews.com/news/us-news/driverless-waymo-vehicle-inadvertently-takes-riders-tense-police-stop-rcna246994 The Data on Self-Driving Cars Is Clear. We Have to Change Course. https://www.nytimes.com/2025/12/02/opinion/self-driving-cars.html Justin Bieber threatens Apple with 'rear naked choke hold' over Messages UI
https://appleinsider.com/articles/25/12/07/justin-bieber-threatens-apple-with-rear-naked-choke-hold-over-messages-ui Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession 'firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

    Canaltech Podcast
    IA é o novo fogo? O papel do Brasil na próxima revolução tecnológica

    Canaltech Podcast

    Play Episode Listen Later Dec 31, 2025 12:20


    A inteligência artificial está apenas começando e o Brasil pode ter um papel muito maior nessa história do que imagina. Neste episódio do Podcast Canaltech, conversamos com Neil Redding, especialista em inovação, criatividade e tecnologia, sobre os caminhos da IA, os riscos do uso sem controle, o papel dos governos e como pessoas comuns podem construir uma relação mais consciente com essa tecnologia. Na conversa, Neil compara a inteligência artificial à descoberta do fogo pela humanidade, explica por que o Brasil não está tão atrás quanto muitos pensam e defende que o país precisa abandonar a “cultura do azarão” para assumir um papel de liderança global. O episódio também aborda temas como deepfakes, direitos autorais, regulação e a importância da participação ativa das pessoas no desenvolvimento da IA. Você também vai conferir: 99Food vai sortear motos e bikes elétricas para entregadores em São Paulo, golpe usa PDFs para roubar dados de usuários de iPhone e Android e Acessório leva MagSafe para qualquer notebook com USB-C. Este podcast foi roteirizado e apresentado por Fernada Santos e contou com reportagens de Marcelo Fischer, Jaqueline Sousa e Nathan Vieira, sob coordenação de Anaísa Catucci. A trilha sonora é de Guilherme Zomer, a edição de Jully Cruz e a arte da capa é de Erick Teixeira.See omnystudio.com/listener for privacy information.

    Desde el reloj
    Shelly Internet Check y ¡feliz 2026!

    Desde el reloj

    Play Episode Listen Later Dec 31, 2025 12:37


    En este último episodio del año te hablo de un pequeño script con el que podemos comprobar, desde un enchufe inteligente de Shelly, si tenemos Internet en casa o no. Y en caso de haber perdido la conexión, podemos reiniciar el router rápidamente. ¡Feliz año 2026!

    Generation TECH
    Episode 246 December 23, 2025

    Generation TECH

    Play Episode Listen Later Dec 31, 2025 110:22


    The conversation covers various topics, including the Freeform app's collaborative features, Apple's potential plans to assemble iPhone components in India, and the resurgence of range extenders in electric vehicles. It also explores the downsides of fame, leaked information about upcoming Apple products, and the need for improved TV remote control features. Additionally, the conversation touches on the customizable nature of the Slate electric truck, a Finnish company's needle-free glucose monitor, and Elon Musk's plans for Tesla's Optimus robots and Robotaxi.Conversations on technology and tech adjacent subjects since July of 2020, with two and sometime three generations of tech nerds. New shows on (mostly) TUESDAYS!

    The Daily Crunch – Spoken Edition
    The phone is dead. Long live . . . what exactly?

    The Daily Crunch – Spoken Edition

    Play Episode Listen Later Dec 31, 2025 7:48


    "We're not going to be using iPhones in 10 years," Callaghan says flatly. "I kind of don't think we'll be using them in five years." Learn more about your ad choices. Visit podcastchoices.com/adchoices

    吐槽脱口秀老T
    2025年终盘点,这一年你过的还好吗?[吐槽脱口秀].

    吐槽脱口秀老T

    Play Episode Listen Later Dec 31, 2025 32:03


    新年愿望实现了吗?工作难找、感情受挫、身体告急……老T用十年播客经历告诉你:别信成功学,活在当下才是真。免费节目靠牛肉干续命,听一期,骗自己快乐一天。 02:04 二零二五年:展望未来,挑战与机遇交织 04:09 在人际关系中找到快乐:家庭、朋友和爱情的重要性 06:11 人生道路十八弯,爱情可能就在其中等待你! 08:11 人生旅程中的欺骗与自我认知——2023年综艺节目探索 10:37 振奋精神,迎接挑战!全新一年的节目宗旨来了! 13:17 感谢听众朋友的支持,牛肉干儿购买成为生活收入的重要来源。 15:54 我的IPHONE八万家,十年以上的耐心培养! 18:36 他在那边默默转圈,我却无法与他交流:我们之间的隔阂与困境 21:17 直播困境:摄像头、礼物和观众的挑战 23:56 坚持与发展的故事:吐槽节目转型短视频的成功之路 26:33 聚会整起来!在新的一年享受愉快的喝酒局和游戏时光! 29:16 开开心心,快快乐,2023年到厦门,享受人生之旅!

    Good Inside with Dr. Becky
    When Life Has Other Plans with Maya Shankar

    Good Inside with Dr. Becky

    Play Episode Listen Later Dec 30, 2025 35:36


    In hard seasons, it's easy to believe “I'll feel this way forever.” Dr. Becky and cognitive scientist Maya Shankar explore the moments that upend us, the anxiety of not knowing what comes next, and why we underestimate our ability to adapt. Together, they discuss how reconnecting to what matters most can bring steadiness during uncertainty.Get the Good Inside App by Dr. Becky: https://bit.ly/4fSxbzkYour Good Inside membership might be eligible for HSA/FSA reimbursement! To learn more about how to get your membership reimbursed, check out the link here: https://www.goodinside.com/fsa-hsa-eligibility/Follow Dr. Becky on Instagram: https://www.instagram.com/drbeckyatgoodinsideSign up for our weekly email, Good Insider: https://www.goodinside.com/newsletterFor a full transcript of the episode, go to goodinside.com/podcast.Help your kids explore their creativity with Project Aqua, a free iPhone and iPad app from Adobe. Aqua's playful activities teach real creative skills—like storytelling, color, and composition—all in a safe, ad-free space made just for kids. Download Project Aqua and watch your child's imagination come alive.Headed out for the holidays? Netflix has free, educational games your kids will love—like PAW Patrol Academy, Barbie Color Creations, and LEGO DUPLO World—all fully unlocked with your membership and perfect for travel days, no WiFi required. Find more at netflixfamily.com/traveltips Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    HVAC School - For Techs, By Techs
    Absorption Cooling - The Rise and Fall and Rise - Short #272

    HVAC School - For Techs, By Techs

    Play Episode Listen Later Dec 30, 2025 12:18


    In this short podcast episode, Bryan goes on another history journey, retelling the story of the rise and fall and rise of absorption cooling. Some of the first HVAC/R engineers cooled buildings with fire; they used absorption refrigeration, which ran on heat instead of electricity. In the early 1800s, French scientist Michael Faraday showed that gases like ammonia could absorb heat as they evaporated. Instead of compressing the vapor, engineers looked for a way to absorb the heat from the vapor and drive it back out. In 1859, Ferdinand Carré invented a machine that boiled ammonia, absorbed the vapor into water, and reheated the mixture to desorb the ammonia, creating a self-contained refrigeration machine powered by heat alone (including waste steam from boilers). This ammonia-water absorption machine could freeze water and chill brine, and it became popular in the 1880s. An absorption system has an evaporator that boils refrigerant, which is then absorbed into another liquid and creates a strong solution. Heat drives refrigerant back out of the solution as a vapor, where it is then condensed back to a liquid and metered. However, while they were reliable, they were heavy, expensive, and slow to respond. In the 1920s and 1930s, the rise of practical sealed electric compression systems began replacing absorption refrigeration infrastructure. By the mid-1900s, absorption chillers were replaced in all but a few applications. Absorption didn't completely vanish, in part thanks to Servel, which continued manufacturing absorption refrigeration systems for industrial applications and rural areas with unreliable electricity. By the 1960s, Japan and Europe refined the design with lithium bromide instead of ammonia. Absorption chillers are still present, but their complexity, maintenance demands, and poor efficiency still make them impractical for most refrigeration purposes. However, with concerns about the electrical grid and decarbonization initiatives on the rise, absorption refrigeration in hybrid systems with improved efficiency and a heat source obtained from gas turbines and biomass boilers looks promising.   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

    9to5Mac Happy Hour
    Holiday tech support, Hold Assist, Ask9to5Mac

    9to5Mac Happy Hour

    Play Episode Listen Later Dec 30, 2025 53:53


    Benjamin and Chance return from the holiday break with some classic stories of tech support from the trenches. Also, iOS 26 Hold Assist proves better in theory than in reality based on listener feedback, and we do some Ask9to5Mac to close out 2025.  And in Happy Hour Plus, Benjamin and Chance debate what should be 9to5Mac's Product of the Year. Subscribe at 9to5mac.com/join.  Sponsored by HelloFresh: America's #1 meal kit! Get 10 free meals + a FREE Zwilling Knife (a $144.99 value) on your third box at HelloFresh.com/happyhour10fm. Sponsored by Square: Get up to $200 off Square hardware when you sign up at square.com/go/happyhour. Hosts Chance Miller @ChanceHMiller on Twitter @ChanceHMiller on Instagram @ChanceHMiller on Threads Benjamin Mayo @bzamayo on Twitter @bzamayo@mastodon.social @bzamayo on Threads Subscribe, Rate, and Review Apple Podcasts Overcast Spotify 9to5Mac Happy Hour Plus Subscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:  Ad-free versions of every episode  Pre- and post-show content Bonus episodes Join for $5 per month or $50 a year at 9to5mac.com/join.  Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or Threads Email us feedback and questions to happyhour@9to5mac.com

    9to5Mac Daily
    CarPlay and car key news

    9to5Mac Daily

    Play Episode Listen Later Dec 30, 2025 7:23


    Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Roborock: Save on Roborock's flagship vacuums — but hurry, these deals won't last long! New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: Ford reaffirms its ongoing commitment to CarPlay Tesla might be working on support for iPhone car key in Apple Wallet iPhone 18 Pro: Six new features are coming next year Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

    TechLinked
    Bring Your Own RAM, Samsung leaks, Nvidia acqui-hiring + more!

    TechLinked

    Play Episode Listen Later Dec 30, 2025 9:44


    Timestamps: 0:00 James and the Giant Tum 0:13 Maingear's "Bring Your Own RAM" program 1:29 Samsung deals with tech leaks 2:49 Nvidia acqui-hires Groq (not Grok) 4:42 QUICK BITS INTRO 4:53 Asus denies memory fab rumors 5:33 Google allows Gmail address changes 6:24 Old small nuclear reactors for data centers 7:13 iPhones better support earbuds in EU 7:59 Rainbow 6 Siege hack NEWS SOURCES: https://lmg.gg/0eayc Learn more about your ad choices. Visit megaphone.fm/adchoices

    Banking Transformed with Jim Marous
    Core Modernization, AI, and the Future of Banking

    Banking Transformed with Jim Marous

    Play Episode Listen Later Dec 30, 2025 52:54


    Every bank today is trying to appear modern. But you can't operate a digital institution with a core system that hasn't been updated since the iPhone was introduced. After years of adding new features on top of outdated infrastructure, the limitations become clear: legacy cores slow innovation, hinder personalization, and make it nearly impossible to compete in an AI-driven world. Modernization is no longer just a tech project. It's a strategic choice for whether a bank can stay competitive. Banks adopting unified, modern architectures aren't doing it for appearances; they're doing it because it provides the speed, flexibility, and resilience that legacy systems cannot match. The good news? Modernizing no longer requires years of planning and implementation. Progressive methods are giving banks safer, lower-risk options to move forward. Today on the Banking Transformed Podcast, I'm joined by Sai Rangachari, Chief Product Officer at Temenos, to explore what modern core banking really entails, why it's important now, and how banks can update without disrupting their operations.

    Understand the Bible?  Pastor Melissa Scott, Ph.D.
    Be Prepared for the Sudden Return of Christ

    Understand the Bible? Pastor Melissa Scott, Ph.D.

    Play Episode Listen Later Dec 30, 2025 58:39


    When Christ returns, it will be swift and sudden. In three parables, Jesus warns believers to be prepared for His return, because there will be consequences for those who were lazy and complacent.  If you do not spend the time to study His word, you are a Christian in name only.   VF-2520 Matthew 24-25 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved

    Backpack Podcast
    Show #186 - Laughs, Lessons, and Last-Minute News: Carolina Cabinet's Pre-Christmas Special

    Backpack Podcast

    Play Episode Listen Later Dec 30, 2025 63:09


    Welcome to this special holiday edition of the Carolina Cabinet! In this episode, host Peter Pappas and co-host Laura Musler are joined by guest Irene Grimes for a lively conversation just before Christmas. The team shares festive anecdotes—from driving through Fayetteville's famous holiday lights to favorite family traditions and even a debate on the best walking tacos in town. They dive into behind-the-scenes updates on the Cumberland County Board of Elections, unpack surprising local candidate filings, and discuss the complexities of early voting in North Carolina.Plus, Laura Musler takes us “on the loose” downtown for some spirited, street-level holiday trivia. You'll also hear candid reflections on self-improvement, navigating political differences, and a bit of light-hearted banter on everything from the price of roast beef to the virtues of iPhones versus Androids.Whether you're here for community insights, some small-town holiday charm, or a few good laughs, this episode delivers a great mix to carry you into Christmas. Grab a cup of cocoa and enjoy the smartest hour on local radio!

    Le rendez-vous Tech
    ETAT DES LIEUX – Décembre 2025 – RDV Tech

    Le rendez-vous Tech

    Play Episode Listen Later Dec 30, 2025 25:46


    Au programme :Retour sur les tendances de septembre (disponible pour tous)Les trois grandes tendances de décembre (disponible pour tous)Les trois tendances émergeantes de décembre (disponible pour tous)(la suite de l'épisode sur Patreon !)Infos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok).Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode épisode 647 – ETAT DES LIEUX – Décembre 2025---Liens :

    Arizona's Morning News
    Mashable Tech Editor, Tim Werth - Tech Tuesday: Foldable iPhone, A New OpenAI Role, and top internet scams.

    Arizona's Morning News

    Play Episode Listen Later Dec 30, 2025 8:07


    OpenAI is hiring for a new role: "Head of Preparedness". CEO Sam Altman describes the role as "very stressful". What will the role invovle? And leaks have hinted at a new iPhone having folding capabilities. It's Tech Tuesday and Mashable Tech Editor Tim Werth joined Arizona's Morning News to break down these stories. 

    MacVoices Video
    MacVoices #25325: Live! - Age Verification, Social Media Disclosure, and Alan Dye's Departure

    MacVoices Video

    Play Episode Listen Later Dec 30, 2025 42:01


    A multi-topic MacVoices Live! discussion touches on the growing pains of predictive markets after disputes over Time's Person of the Year, raising questions about gambling, rules, and manipulation. Chuck Joiner, Brian Flanigan-Arthurs, Marty Jencius, Eric Bolden, David Ginsburg, Web Bixby, and Jim Rea also debates proposed age-verification requirements for online content, concerns over data retention and privacy, new calls for social-media disclosures from travelers, and what Alan Dye's departure could mean for Apple's interface direction.  "The Antigravity A1 is the world's first 8K 360 drone, it's genuinely a game-changer. You get full immersive flight with the goggles, insanely intuitive controls, and endless creative freedom in editing.If you're thinking about buying a drone, make it this one. Check out the link in our show notes and get a free landing pad with your order!"https://www.antigravity.tech/drone/antigravity-a1/buy?utm_term=macvoices Show Notes: Chapters: [0:00] Predictive markets and AI controversy[6:42] Gambling, manipulation, and rule disputes[7:50] Age verification and online privacy risks[19:47] Social media data demands for travelers[28:10] Encrypted alternatives and Proton tools[29:51] Alan Dye's departure and Apple design impact[36:53] Interface consistency across Apple platforms Links: Kalshi users are in an uproar over their Time 'Person of the Year' betshttps://www.fastcompany.com/91459584/kalshi-polymarket-time-magazine-artificial-intelligence-sam-altman Apple and Google will be asked to block nude photos unless user age is verifiedhttps://9to5mac.com/2025/12/15/apple-and-google-will-be-asked-to-block-nude-photos-unless-user-age-is-verified/ App age verification in action: What you share and who gets your informationhttps://9to5mac.com/2025/12/11/app-age-verification-in-action-what-you-share-and-who-gets-your-information/ U.S. will require some tourists to hand over 5 years of social mediahttps://www.fastcompany.com/91458104/u-s-will-require-some-tourists-to-hand-over-5-years-of-social-media Why Travel to the U.S. Feels Harder Than It Should: The Real Story Behind Social Media Screening and TSA Delayshttps://johnnyjet.com/why-travel-to-the-u-s-feels-harder-than-it-should-the-real-story-behind-social-media-screening-and-tsa-delays/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon     http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:     http://macvoices.com      Twitter:     http://www.twitter.com/chuckjoiner     http://www.twitter.com/macvoices      Mastodon:     https://mastodon.cloud/@chuckjoiner      Facebook:     http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:     http://www.facebook.com/macvoices/      MacVoices Group on Facebook:     http://www.facebook.com/groups/macvoice      LinkedIn:     https://www.linkedin.com/in/chuckjoiner/      Instagram:     https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes     Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

    Creators Society Animation Podcast
    58. The Unloved with Producer Amanda Stubbs

    Creators Society Animation Podcast

    Play Episode Listen Later Dec 30, 2025 35:27


    If you're interested in animation and haven't seen The Unloved, a Christmas film for French supermarket Intermarché, then you probably haven't been online in the past couple of weeks. Love for this piece has spread far and wide, way beyond its intended French audience. With hundreds of millions of views across various platforms, it's a remarkable achievement. What fascinated me is that the ads that are not only garnering a lot of negativity, but are generally not good this holiday season are AI generated. While the 2 ads that have received the most love and attention are argurably this one, The Unloved, and Apple's stop motion piece shot on iPhone. They both have a lot in common - they were crafted by human storytellers and artists who love their craft. So, after seeing The Unloved and absolutely loving it, I reached out to the Amanda Stubbs, the producer at Wizz, a Paris based production company to chat about this extraordinary piece of work. If you haven't seen it, please go check it out here, and be inspired. Enjoy!Please like, rate, and comment on your favorite podcasting platform and share the episode on social media.If you have any comments or suggestions please get in touch. If you'd like to hear about new episodes in your inbox, please subscribe here.Host & Producer: Michael WakelamExecutive Producer: Eric M. MillerMusic by: Rich DickersonAudio Engineering: Mike RochaThe Creators Society is a professional community uniting all disciplines of the animation industry. Our mission is to foster meaningful connections, encourage collaboration, and deepen the understanding of every role involved in bringing animated stories to life. Through networking, mentorships, education, and industry events, we celebrate the creativity and passion that drive animation forward, supporting the talented creators who make it all possible.Learn more about the Creators Society, and how to become a member at creatorssociety.netSend us a text

    MacVoices Audio
    MacVoices #25325: Live! - Age Verification, Social Media Disclosure, and Alan Dye's Departure

    MacVoices Audio

    Play Episode Listen Later Dec 30, 2025 42:02


    A multi-topic MacVoices Live! discussion touches on the growing pains of predictive markets after disputes over Time's Person of the Year, raising questions about gambling, rules, and manipulation. Chuck Joiner, Brian Flanigan-Arthurs, Marty Jencius, Eric Bolden, David Ginsburg, Web Bixby, and Jim Rea also debates proposed age-verification requirements for online content, concerns over data retention and privacy, new calls for social-media disclosures from travelers, and what Alan Dye's departure could mean for Apple's interface direction.  "The Antigravity A1 is the world's first 8K 360 drone, it's genuinely a game-changer. You get full immersive flight with the goggles, insanely intuitive controls, and endless creative freedom in editing.If you're thinking about buying a drone, make it this one. Check out the link in our show notes and get a free landing pad with your order!" https://www.antigravity.tech/drone/antigravity-a1/buy?utm_term=macvoices Show Notes: Chapters: [0:00] Predictive markets and AI controversy [6:42] Gambling, manipulation, and rule disputes [7:50] Age verification and online privacy risks [19:47] Social media data demands for travelers [28:10] Encrypted alternatives and Proton tools [29:51] Alan Dye's departure and Apple design impact [36:53] Interface consistency across Apple platforms Links: Kalshi users are in an uproar over their Time 'Person of the Year' bets https://www.fastcompany.com/91459584/kalshi-polymarket-time-magazine-artificial-intelligence-sam-altman Apple and Google will be asked to block nude photos unless user age is verified https://9to5mac.com/2025/12/15/apple-and-google-will-be-asked-to-block-nude-photos-unless-user-age-is-verified/ App age verification in action: What you share and who gets your information https://9to5mac.com/2025/12/11/app-age-verification-in-action-what-you-share-and-who-gets-your-information/ U.S. will require some tourists to hand over 5 years of social media https://www.fastcompany.com/91458104/u-s-will-require-some-tourists-to-hand-over-5-years-of-social-media Why Travel to the U.S. Feels Harder Than It Should: The Real Story Behind Social Media Screening and TSA Delays https://johnnyjet.com/why-travel-to-the-u-s-feels-harder-than-it-should-the-real-story-behind-social-media-screening-and-tsa-delays/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession 'firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

    Generation TECH
    Episode 240 November 4, 2025

    Generation TECH

    Play Episode Listen Later Dec 30, 2025 114:14


    Tesla's full self-driving software is improving, but challenges remain in handling edge cases and achieving widespread public acceptance. Apple's iPhone 17 is outperforming the iPhone 16, particularly among enthusiasts, due to its improved telephoto camera. The conversation also touches on the limited utility of mixed reality headsets, the new iOS 26.1 update, and the potential risks of smart vacuums mapping homes.Conversations on technology and tech adjacent subjects since July of 2020, with two and sometime three generations of tech nerds. New shows on (mostly) TUESDAYS!

    Desde el reloj
    Correa Moft Snap Duo para Apple Watch

    Desde el reloj

    Play Episode Listen Later Dec 30, 2025 10:22


    El primer regalo que he tenido en esta temporada navideña ha sido una correa para Apple Watch. Y te vengo a hablar de ella porque es bastante particular y diferente a todas las demás que tengo.

    Wir. Der Mutmach-Podcast der Berliner Morgenpost
    Vamos Schatzi! Delf Lundgren und Wal Kilmer

    Wir. Der Mutmach-Podcast der Berliner Morgenpost

    Play Episode Listen Later Dec 30, 2025 55:13


    Erst eine Flosse. Dann noch eine. Die Delfine winken uns tatsächlich zu. Wem denn auch sonst? Nur die Wale zicken rum. Ist das Tsunami-Warnschild ernst gemeint? Reisen Körperteile mit unterschiedlichen Geschwindigkeiten? Egal. Erstmal zu einer Vernissage, bei der Charlottenburg-1994-Feeling aufkommt. Richtig was los bei Suse und Hajo, die die erste Woche in ihrer Casa Beutlin überlebt haben. Herzlich willkommen zu Vamos Schatzi! Fotoalbum und Bonusfolgen über steady.fm. Wir probieren Dinge aus. Zum Beispiel Wohnen im Tiny House. An der Pazifikküste ist eine betörende Auswahl an Hobbit-Heimen zu finden - Chiles Antwort auf das deutsche Reihenhaus. Und sonst? Hajos innere schwäbische Hausfrau jubiliert beim Himbeerpreis auf dem Markt. Suse fällt auf billige Flirt-Tricks der Mareal-Köche rein. Schon mal Seetang-Ceviche probiert? Wie geht man mit Unterreizung um? Lassen sich 2 iPhones, 2 Rechner, 2 Mikrofone und 17 Programme sinnvoll koordinieren? Plus: Weshalb die chilenische Mücke Hatespeech verdient. Staffel 2, Folge 4.Shownotes:Vamos Schatzi! Newsletter abonnierenDie MutMacher auf steady unterstützen, um Bonus-Podcastfolgen plus Reisetagebuch plus Fotoalbum plus Videos zu bestaunen.,Hier geht's zur ersten Folge "Vamos Schatzi!" vom 23.12. 2025Die nächste Folge am 6.1.2026 dreht sich ums Auswandern heute und vor 150 JahrenDer MutMachPodCast auf InstagramPodcast Elefantenrunde mit Frank Stauss und HajoPauls Band Udo Butter und das TeamBücher:Suse SchumacherDie Psychologie des Waldes, Kailash Verlag, 2024Michael Meisheit + Hajo Schumacher: Laufende ErmittlungenKrimi-Reihe mit dem laufenden Kommissar Peer Pedes. Band 1 und Band 2 erschienen bei Droemer Knaur. Band 3 kommt im Frühsommer 2026.Kostenlose Meditationen für mehr Freundlichkeit (Metta) und Gelassenheit (Reise zum guten Ort) unter suseschumacher.de Hosted on Acast. See acast.com/privacy for more information.

    The Tony Kornheiser Show
    “Never Go Full Red”

    The Tony Kornheiser Show

    Play Episode Listen Later Dec 29, 2025 67:21


    Tony opens the show by talking about how Michael helped him get his email back on his IPhone, and he also talks about golfing in the cold, getting a new hand warmer, and he talks about connecting with his high school friends. Michael Wilbon calls in to talk about Northwestern winning their Bowl game, and about the Bears playing brilliantly in a losing effort against the 49ers and they also talk about the rest of the big games in the NFL, Ryan McGee calls in to talk about what has stood out to him so far in the college football playoffs, and about Michigan's new head coach, and Tony closes out the show by opening up the Mailbag. Songs : Aubrey Dale “Til the Cows Come Home” ; “California Sober” To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

    MacMost - Mac, iPhone and iPad How-To Videos
    Using NFC Tags and Tap Automations To Trigger Shortcuts (MacMost #3420)

    MacMost - Mac, iPhone and iPad How-To Videos

    Play Episode Listen Later Dec 29, 2025


    View this video at https://macmost.com/using-nfc-tags-and-tap-automations-to-trigger-shortcuts.html. You can use cheap NFC tags to automate things on your iPhone. Tap one to toggle Focus modes, start playlists or set timers. Combine multiple actions for relaxation or workout routines. You can even trigger lights in the Home app or using other home automation systems.

    9to5Mac Daily
    iPhone Fold rumors, Mac bugs

    9to5Mac Daily

    Play Episode Listen Later Dec 29, 2025 6:26


    Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Roborock: Save on Roborock's flagship vacuums — but hurry, these deals won't last long! New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: macOS Tahoe users report persistent screen flickering issues Apple warns employees not to leave the U.S. amid return delays Leaker says iPhone Air 2 will be announced in 2026 iPhone Fold's key display breakthrough may still be in flux, per leak Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

    Understand the Bible?  Pastor Melissa Scott, Ph.D.
    The Return of Jesus Christ Is ImminentThe Return of Jesus Christ Is Imminent

    Understand the Bible? Pastor Melissa Scott, Ph.D.

    Play Episode Listen Later Dec 29, 2025 58:24


    Based on what's going on in the world, specifically the globalists' agenda to control every single person on the face of the earth, it's very clear that we're moving at warp speed towards the return of Jesus Christ.  The Bible tells us why He must return, and as His church, it's our responsibility to wake people up about the globalists' agenda, to resist it, and to remain steadfast in the faith, expecting His imminent return.  VF-2520 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, All Rights Reserved

    Web3 with Sam Kamani
    341: Self-Repaying Loans in DeFi: Tobias on Altitude Finance's TVL Growth and 2026 Roadmap

    Web3 with Sam Kamani

    Play Episode Listen Later Dec 29, 2025 33:33


    Tobias built Altitude Finance after running into the classic DeFi lending trade-off: either borrow conservatively and unlock very little capital, or borrow aggressively and risk liquidation when markets move fast.In this episode, we break down how Altitude makes loans more capital-efficient while keeping users at a safer LTV, how their vault automation rebalances positions during volatility, and why their best users love the “self-repaying loan” experience.We also cover Tobias' take on what changes in DeFi to watch in 2026—especially around token value being tied more tightly to protocol value, and why “stablecoins backed by risky strategies” could be the next blow-up.Key Timestamps[00:00:00] Intro: Altitude traction, TVL, DeFi trends for 2026[00:01:00] Tobias' journey: Ethereum → DeFi Summer → full-time crypto [00:02:00] The lending trade-off: capital efficiency vs liquidation stress [00:03:00] What Altitude does: low LTV + protocol adds leverage to ~60% [00:04:00] Differentiation: efficiency, peace of mind, simplified UX [00:06:00] 2025 recap: whitelisted → public vaults, surviving volatility [00:07:00] 2026 focus: simpler onboarding, wallets, on/off-ramps [00:08:00] Automation: rebalances as prices move, keeps vaults healthy [00:09:00] 2026 DeFi trend: tokens aligning more with “common stock” value [00:10:00] Stablecoin warning: risky strategies behind “stable” pegs [00:12:00] Adoption driver: the “self-repaying loan” dopamine [00:14:00] Real-world use cases: Tesla, land, iPhone, engagement ring [00:18:00] Founder advice: simplify, avoid overwhelming choice [00:22:00] AI in DeFi: useful for insights, not autonomous execution (yet) [00:26:00] GTM: reach long-term BTC/ETH holders across better channels [00:29:00] Roadmap: wallets + off-ramps + mainstream user journey [00:31:00] Ask: try the product, give feedback, help simplify onboardingConnecthttps://app.altitude.fi/https://www.altitude.fi/https://www.linkedin.com/company/altitude-labs-defi/https://www.linkedin.com/in/tobiasvanamstel/https://x.com/AltitudeFi_https://x.com/tobiasvanamstel?lang=enDisclaimerNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Get featuredBe a guest on the podcast or contact us – https://www.web3pod.xyz/

    The Vergecast
    Version History: iPhone 4

    The Vergecast

    Play Episode Listen Later Dec 28, 2025 71:53


    The iPhone 4 was one of the best iPhones ever — and definitely the most dramatic iPhone ever. It was lost in a bar in California, sold to Gizmodo, and published for the world to see months before its launch. The phone itself had a bunch of important new features, and one that spawned Antennagate. In this episode, David Pierce, Nilay Patel, and longtime tech columnist Walt Mossberg tell the whole story of the phone, its legacy, and its place in tech blog history. If you like the show, ⁠⁠subscribe to the Version History feed⁠⁠ to make sure you get every new episode. ⁠Subscribe to The Verge⁠ for unlimited access to ⁠theverge.com⁠, subscriber-exclusive newsletters, and our ⁠ad-free podcast feed⁠. We love hearing from you! Email your questions and thoughts to ⁠vergecast@theverge.com⁠ or call us at 866-VERGE11. Learn more about your ad choices. Visit podcastchoices.com/adchoices

    This Week in Tech (Audio)
    TWiT 1064: TWiT Best 0f 2025 - 2025's Best Moments on TWiT

    This Week in Tech (Audio)

    Play Episode Listen Later Dec 28, 2025 80:48 Transcription Available


    AI video generation TWiT turns 20 Harper Reed on vibe-coding Job loss and AI Apple's iPhone 16 event Amy Webb's crazy husband talks about his anonymous computer Host: Leo Laporte Download or subscribe to This Week in Tech at https://twit.tv/shows/this-week-in-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsor: zscaler.com/security

    MacBreak Weekly (Audio)
    MBW 1005: Best of 2025 - MacBreak Weekly's Favorite Highlights from 2025

    MacBreak Weekly (Audio)

    Play Episode Listen Later Dec 28, 2025 68:51 Transcription Available


    Join us again as we take a look back at some of MacBreak Weekly's favorite stories and moments from 2025: The unveiling of the iPhone 16e. The UK's effort to keep Apple Encryption fight secret is block & White House blames iPhone's auto-correct contact for Signal scandal. Apple's fairly underwhelming, and hilarious, 'Celebrity Snapshot' page. Another new product announcement from Apple: the iPhone Air! MacBreak Weekly celebrates its 1000th episode! And the departure of one of the original panelists of MacBreak Weekly... Host: Leo Laporte Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit