Podcasts about Ita

You have the morning routine. The workout streak. The sleep protocol. All the right habits — and somehow, you're still exhausted.What if the thing you built to manage your stress is quietly adding to it?The problem isn't your habits. It's the rigidity, perfectionism, and self-criticism wrapped around them. And that wrapper is doing exactly what the stress you're trying to manage is doing: telling your nervous system it's not safe.I walk through the most common stress management traps I see — then offer the reframe that changes everything: What if instead of managing your stress, you expanded your capacity to hold it? And I give you one piece of practical homework to start that process this week.What You'll LearnWhy stress management might actually be making your stress worse — and the counterintuitive reason whyThe four most common stress management traps high-achieving women fall intoWhy control feels like safety — and why your nervous system actually experiences it as the oppositeThree reasons why stress management will always fall short as a long-term strategyThe reframe that changes everything: managing stress vs. expanding capacity to hold itA three-question audit to run on any habit this week — no overhaul requiredJoin The Capacity Method Waitlist

We're flipping the script on our own show—and we're taking you behind the scenes.In this special episode, Anna + Selena share why they've revamped the 15{ish} Minute Coffee Chat into the new Keep . Ditch. Try. 15{ish} Minute Business Fix Podcast format will deliver even more practical value for small business owners.They walk through what they're keeping from the original format, what they're ditching, and what they're excited to try moving forward. If you're a business owner who's ever thought about refreshing your brand or pivoting a platform, this one's for you.

I'll be honest, this episode felt a little different to record - a little exciting, and a little nerve-wracking. Because instead of focusing on the usual physical side of your hormones, I'm going deeper into something we don't talk about as often: the emotional and especially spiritual roots behind symptoms like PMS, hormone imbalance, and low libido.I talk a lot about food, minerals, gut health, and detox on this podcast. And those things matter. But sometimes the reason symptoms linger isn't just physical. Our health is deeply connected to the emotions we carry. From subtle victim-mindset patterns to long-held (shame-filled) beliefs about our bodies, sexuality, and identity as women, these patterns can keep our nervous system in stress mode and influence how our bodies function.In this episode, you'll hear about:The mindset patterns many high-functioning women fall into without realizing itA group of hidden emotions that can quietly show up as physical symptomsWhy prayer, reflection, and emotional healing can influence symptoms like PMS and libido more than we expectI also share a personal moment where prayer helped me recognize emotional roots I had been holding onto and how releasing them shifted what I felt in my body almost immediately.If you've never thought about your hormones through this lens before, this conversation may feel both surprising and liberating.Nourish Tracker - Discount code: HAPPILYHORMONALBook a FREE Hormone Strategy Call with meGrab your Happily Hormonal Quick Start GuideNEED HELP FIXING YOUR HORMONES? CHECK OUT MY RESOURCES:Hormone Imbalance Quiz - Find out which of the top 3 hormone imbalances affects you most!Join Nourish Your Hormones Coaching for the step-by-step and my eyes on YOUR hormonesSend us a text with episode feedback or ideas! (We can't respond to texts unless you include contact info but always read them)Simply Nourished Cycles Podcast TrainingDon't forget to subscribe, share this episode, and leave a review. Your support helps us reach more women looking for answers.Disclaimer: Nothing in this podcast is to be taken as medical advice, please take informed accountability and speak to your provider before making changes to your health routine.This podcast is for women and moms to learn how to balance hormones naturally in motherhood, to have pain-free periods, increased fertility, to decrease PMS mood swings, and to increase energy without restrictive diet plans. You'll learn how to balance blood sugar, increase progesterone naturally, understand the root cause of estrogen dominance, irregular periods, PCOS, insulin resistance, hormonal acne, post birth-control syndrome, and conceive naturally. We use a pro-metabolic, whole food, root cause approach to functional women's health and focus on truly holistic health and mind-body connection.If you listen to any of the following shows, we're sure you'll like ours too! Pursuit of Wellness with Mari Llewellyn, Culture Apothecary with Alex Clark, Found My Fitness with Rhonda Patrick, Just Ingredients Podcast, Wellness Mama, The Dr Josh Axe Show, Are You Menstrual Podcast, The Model Health Show, Grounded Wellness By Primally Pure, Be Well By Kelly Leveque, The Freely Rooted Podcast with Kori Meloy, Simple Farmhouse Life with Lisa Bass

Driver Miles Wragg joins ITA to discuss his fast track through a variety of racing cars, and the compliment of sim to real racing.

O Making Of continua no clima de folia para falar de uma campanha que prova que criatividade e responsabilidade podem — e devem — andar juntas. Nosso tema é a construção estratégica por trás da campanha “Inexxplicável como o Carnaval”, da Prudence, marca de preservativos da DKT South America, que transformou o maior espetáculo cultural do Brasil em palco para falar de prazer com proteção.E para contar essa história, recebemos Mateus Potumati, Head de Marketing & Produto da DKT South America. Com mais de 20 anos de carreira, Mateus construiu uma trajetória sólida em branding e estratégia, com passagens por consultorias globais como FutureBrand e CBA B+G, além de ter liderado projetos para marcas como Nike, Ambev, PepsiCo, Itaú, Nestlé, Nespresso e tantas outras. Hoje, está à frente da estratégia, do portfólio e da inovação da Prudence na América Latina, conectando marca, cultura e crescimento sustentável..⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Assine a newsletter da Mega Brasil, a Direto da Redação⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.O programa Making Of é apresentado por Regina Antonelli todas as quartas, às 10h, com reapresentações diárias em mesmo horário e, aos finais de semana, às 15h, na ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Rádio Mega Brasil Online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

We discuss the effects of the Iran conflict on the markets and give you an upbeat outlook for the remainder of 2026.  We review the top performing sectors of the market and some "outside of the box" ideas in ETFs strongly outperforming market averages right now.

No quarto episódio da websérie Um Passo à Frente, a jornalista Carla Fiorito conversa com Gregory Kopenhagen Goldfinger, da GoldKo, e Bernard Martins, da Tinsei do Brasil, sobre como transformar dados econômicos, financeiros e de mercado em decisões mais estratégicas.Os empresários falam ainda sobre crescimento sustentável, inteligência de gestão e sobre como usar a economia a favor dos negócios. Um passo à frente é uma produção do Estadão Blue Studio com patrocínio do Itaú Empresas.Acompanhe a série: https://patrocinados.estadao.com.br/itau/um-passo-a-frente/See omnystudio.com/listener for privacy information.

Neste episódio do Semiose Podcast, recebemos Priscila Rocha, Superintendente de Engenharia TI no Itaú, para uma aula sobre carreira, resiliência e liderança humanizada.Com uma trajetória de 30 anos no maior banco da América Latina, Priscila compartilha como saiu do estágio em Ciências da Computação para a superintendência, liderando hoje mais de 250 pessoas. Ela abre o jogo sobre os desafios de ser uma das poucas mulheres na tecnologia no início de sua carreira e como o protagonismo foi essencial para sua evolução.Neste episódio, conversamos sobre:- Evolução Profissional: A jornada de 30 anos dentro do Itaú, passando de desenvolvedora Mainframe a gestora de grandes comunidades técnicas.- Lidando com Erros: O dia em que ela apagou um banco de dados em produção e como o feedback e a coragem de pedir ajuda transformaram sua visão sobre falhas.- Os Pilares da Liderança: Por que credibilidade, atitude e posicionamento são mais importantes que o cargo em si.- PDI Além do Cargo: Como construir um Plano de Desenvolvimento Individual focado em competências e habilidades para "pegar a onda" certa.- Equilíbrio e Propósito: A importância do trabalho voluntário, da fé e da família na construção de uma vida com significado.Link da Convidada:https://www.linkedin.com/in/priscilasrocha/______________________________________✅Recomendações de Conteúdo:Curso de UX/UI Design: ⁠⁠⁠⁠https://cursouidesign.com.br/Curso de Figma: ⁠⁠⁠⁠https://cursofigma.com.brFundamentos do Design Visual: ⁠⁠⁠⁠https://fundamentosdodesign.com.brEbook Heurísticas de Nielsen: ⁠⁠⁠⁠http://papodeux.com.br/conteudo/ebook-heursticas-de-nielsen✅Siga o Semiose nas Redes Sociais:Instagram: ⁠⁠⁠⁠https://www.instagram.com/semiosepodcast/⁠⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠https://www.linkedin.com/company/semiosedesign/TikTok: ⁠⁠⁠⁠https://www.tiktok.com/@semiosepodcast#podcastbrasil #podcastdesign #semiosepodcast

O que duas décadas de mercado financeiro ensinam sobre carreira e liderança?No episódio especial de Dia das Mulheres do Mind Asset, recebemos Roberta Anchieta, Diretora de Administração Fiduciária do Itaú, e Carolina Magnoler, Head de Estruturação da Mesa de Private Markets da Itaú Asset.Com mais de 20 anos de trajetória no mercado financeiro, elas compartilham os pontos de virada da carreira, os desafios que enfrentaram e o que significa liderar com propósito. A conversa também passa por temas como diversidade e o equilíbrio entre vida profissional e pessoal.v

The Terminator (1984)Marc's PickPART 1 – The Nutshell – If you haven't seen itA spoiler-free breakdown of The Terminator designed to help you decide if this 80s sci-fi landmark is actually your kind of film and worth your time.An exploration of how the movie balances action, tension and emotional stakes, without assuming you already love the franchise or its iconic moments.We'll give other movie comparisons, tone, style and feel.By the end of Part 1, you will have made a decision!---PART 2 – The Unboxing – If you've seen itWhat Did You Miss?The ideas working beneath the surface, from the mechanics of its time line to the way tension is built through framing, sound design and perspective.Moments that gain new weight on reflection, including how the film uses contrast, repetition and visual storytelling to deepen character and raise stakes.A closer look at how it handles themes of fate, technology, inevitability and human connection and why those themes land differently now than they did on release.---Paul's Facts of the DayHow the film was made on a tight budget using guerrilla style production methodsThe early career circumstances that shaped director James Cameron's approachCasting stories and near misses that could have changed the film entirelyPractical effects craftsmanship that still sparks debate decades later---Hate It or Rate It?Marc, Darren & Paul submit their scores and The Terminator takes its place in the Legend League.Does it still deserve its iconic status?Or does it land differently today?---PART 3 – Listener LoungeYour questions, your comments and your shout-outs, the Question of the Week and of course… the reveal of next week's movie.---Listen Nowhttps://2ly.link/24tPI---View the Legend LeagueEvery movie we've featured and rated on the podcasthttps://linkly.link/2Bfcv---View the Listener LeagueSee how how we rated the movies chosen by our listeners.https://linkly.link/2Bi9l---Join the conversation

SUPPORTAMI SU PATREON! https://www.patreon.com/kristalcrosspatreon OFFERTA DEL GIORNO | MIO: Memories in Orbit ▶ -25% ▶ 14.96€ https://www.instant-gaming.com/it/17088-comprare-mio-memories-in-orbit-pc-steam/?igr=kristalcrossgaming La maglietta LFDM sul LFDM STORE! - https://kristal-cross-shop.fourthwall.com/en-eur/ AFFILIATI: INSTANT GAMING: https://tinyurl.com/3ywv525u EMP: https://tidd.ly/3MTjbcC PAMPLING: codice KRISTALCROSS THOMANN: https://thmn.to/thocf/4ucalotott SPONSOR - ABBONAMENTO AL CANALE: https://www.youtube.com/channel/UC-isEtNtS2_30c5ANuEEyKQ/join DONAZIONI: https://paypal.me/kristalcross Lista Desideri Amazon: https://www.amazon.it/hz/wishlist/ls/CMIUI1RB3GH9?ref_=wl_share Le #KristalNews sono anche in PODCAST! https://www.spreaker.com/show/kristalnews-il-podcast Disponibile anche su SPOTIFY, APPLE PODCAST, ecc ecc SECONDO CANALE: https://www.youtube.com/channel/UCO13aJlGKgOVYq7-yMe_lPA SEGUIMI IN LIVE SU TWITCH: https://www.twitch.tv/kristalcrossgaming SOCIAL & COMMUNITY: FACEBOOK: https://www.facebook.com/kristalcrossgaming/ INSTAGRAM: https://www.instagram.com/kristalcrossgaming/ GRUPPO TELEGRAM: https://t.me/joinchat/APAtYQ5DPmVA3AHTl8mBcA VUOI SPEDIRMI QUALCOSA? Mandalo a: BAR 2EMME VIA TORINO 243 SAN BENEDETTO DEL TRONTO 63074 (AP) --------------------- IMPORTANTE SCRIVI NELL'INTESTAZIONE "PER KRISTAL CROSS" ---------------------------------------- VUOI SENTIRE I MIEI LAVORI? IL SITO DEL MIO STUDIO http://www.kristalcrossmusicproduction.com/page0/page0.html LE MIE BAND: THE LOTUS: https://www.youtube.com/user/TheLotusChannel LOST RESONANCE FOUND: https://www.youtube.com/user/lostresonancefound Grazie per la visita da Kristal Cross!Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/kristalnews-il-podcast--4936119/support.

(0:00) Intro(0:02) Khutba – Ikhtitam Surah Anfal – Ibtida Surah Tauba(0:35) Ghazwa-e-Badar(1:31) Tehqeeq-e-Nabuwwat ka Masla(2:23) Ramazan aur Qabool-e-Islam(3:04) Mic Disturbance(4:40) Rasulullah ﷺ ki Motivation(5:16) Kafir Ghar mein Paida Hone Wale aur Tehqeeq-e-Islam(6:05) Hijrat-e-Madina ki Planning(8:16) Pehli Islami Riyasat(9:03) Ansar Sahaba RA ki Fazilat(9:23) Darul Harb ke Qawaneen(10:43) Economic Taqat aur Kamyabi(12:21) Aaj ke Sust Musalman(12:44) 313 Sahaba vs 1000 Kuffar(13:41) Badar ka Maidan(14:27) Kuffar ki Ayyashi(14:59) Allah ki Madad(15:23) Jang ka Aaghaz(16:10) Quraishi vs Ansari(16:47) Hashmi Quraishi Fakhar(17:00) Nasab ki Ahmiyat(18:39) Bani Israel vs Arabs(19:14) Banu Hashim ki Fazilat(21:04) Bahadur vs Munafiq(23:00) Ghair Khandani ki Pehchan(23:47) Hazrat Khalid bin Waleed RA(25:19) Aurat ki Fitrat(26:03) Hazrat Hinda ki Shairi(26:55) Ghazwa-e-Badar ki Tareekh Sazi(28:55) Hazrat Abdullah bin Masood RA(30:00) Abu Jahl vs Firauon(30:38) Kunwain mein Kuffar se Khitab(31:45) Sama-ul-Mauta(33:06) Badar ki Fatah ka Faida(33:28) Jang ka Asool(34:23) Yaum-ul-Furqan(34:50) Sabit Qadmi aur Zikr(35:12) Army Chief se Ikhtilaf(35:54) Zalim Hakim ki Ita'at(36:41) Ijtemaiyat(37:00) Army Support ki Wajah(37:37) Ameer ki Ita'at(38:31) Nemat ki Na-Qadri(39:33) Dushman ke Muqable ki Taqat(40:35) Pakistan ki Military Power(42:14) Azerbaijan News(42:51) Masla-e-Kashmir(43:16) Pakistan Atomic Power(44:09) Munkir-e-Hadith se Behas(45:23) Jihad ki Taqa(46:56) Chhupay Dushman se Jihad(48:42) Country Defence ka Sadqa(48:52) Dushman se Sulah(49:12) Islam ka Ehsaan(51:44) Ajmi Musalmanon ki Qurbaniyan(52:16) Imam Abu Hanifa RA ki Fazilat(52:31) Mukhtalif Qaumon mein Nikah(53:00) Jang mein Taqat ka Tawazan(53:36) Masajid ki Taamir ki Fazilat(55:06) Masjid Al Falahia Charity Appeal(55:59) Jhootay Peer(56:58) Aalim ke 2 Kaam(57:20) Topi Dramay(57:32) Real Ulama(57:41) Bayan ki Ujrat(58:27) Hadiyat aur Bheek(59:37) Mufti Sahab ka Waqia(1:00:08) Lalach aur Bayan ka Asar Hosted on Acast. See acast.com/privacy for more information.

O Ibovespa não para de quebrar recordes em 2026! Com a marca histórica dos 190 mil pontos superada e o maior fluxo mensal de capital estrangeiro desde 2006, a pergunta que todo investidor se faz agora é: estamos no início de um ciclo de alta estrutural ou o fôlego está acabando?Neste episódio do podcast Genial Analisa, Igor Bastos e Vitor Souza conversam com Bruce Barbosa, um dos analistas mais influentes do mercado brasileiro. Bruce abre o jogo sobre sua polêmica saída da Nord Research, detalhando os desafios da sociedade e o que o levou a iniciar sua nova jornada com a Atlas Valorum.O que você vai aprender neste vídeo:Bastidores do Mercado: Bruce explica como o fim de parcerias societárias moldou sua visão sobre o negócio de análise e gestão de patrimônio.Estratégias de Investimento: Uma análise profunda sobre por que o Brasil continua "barato" e por que as Small Caps podem ser a grande oportunidade do momento, enquanto o fluxo estrangeiro dita o ritmo do Ibovespa.Análise de Setores: O futuro dos bancões (Itaú, BTG, Bradesco) diante da revolução da Inteligência Artificial e os detalhes do case de sucesso da PetroRio (PRIO3).Cenário Macroeconômico: O impacto dos juros altos, a postura dos fundos de pensão e o que esperar do cenário fiscal brasileiro comparado a períodos históricos como o governo Temer.Se você busca entender a dinâmica entre o Research independente e o Wealth Management, ou quer insights valiosos sobre alocação de ativos em 2026, este papo é indispensável.Inscreva-se no canal da Genial Investimentos para acompanhar todas as terças e quintas as melhores análises do mercado financeiro!

Fevereiro trouxe novos sinais sobre o rumo da economia global, com os mercados atentos às políticas monetárias, à dinâmica da inflação e aos desdobramentos do cenário internacional. Em um ambiente ainda marcado por incertezas, investidores seguem avaliando como esses fatores podem influenciar o mercado nos próximos meses. No Brasil, o foco permanece no fiscal, nas expectativas para a taxa Selic e na leitura dos indicadores econômicos ao longo de 2026, sobretudo da atividade. Como esse cenário pode impactar seus investimentos? Confira na nossa conversa mensal com Thomas Wu, economista-chefe da Itaú Asset, e Luiz Ribeiro, gestor do Itaú Asgard, com moderação de Vanessa Daraya, da Comunicação do Itaú.Obs: áudio da live realizada em 24/02/26.

This isn't a review, this is a decision…PART 1 – The Nutshell – If you haven't seen itA spoiler-free breakdown of The Prestige, but more importantly, a breakdown of whether this is your kind of movie and if it's worth your time.An exploration of what makes this episode different: the tension in the room, the immediate disagreement, and the feeling that this film demands more from you than most.A look at the type of movie night this creates, not passive viewing, not background noise, but something that requires attention and rewards it.By the end of Part 1, you'll know whether this is a film you should queue up… and whether you're ready for it.PART 2 – The Unboxing – If you've seen itWhat Did You Miss?We dig into:The subtle details that completely reframe your interpretation.The element that divided us most in the studio.Whether emotional connection matters more than technical brilliance.And the one question that turned into a genuine back-and-forth.This isn't surface-level praise. It's a proper discussion about what makes something great and what just makes it clever.You'll hear:The moment Darren changed his stance mid-discussionMarc pushing back hard on one specific pointPaul trying to keep the peace… and then choosing a sideIt's one of our most balanced — and most split — debates.Paul's Facts of the DayA tightly packed set of production insights and behind-the-scenes details, including:How Christopher Nolan positioned this film within his career.Casting decisions that shaped the tone, including Christian Bale and Hugh Jackman.And the context that explains why this film still sparks discussion nearly two decades later.Hate It or Rate It?This is where it gets interesting.The scores are close… but the reasoning couldn't be more different.Finally we reveal where it lands in the Legend League and the Listener League.Does this long-awaited Listener Choice live up to expectation?PART 3 – Listener LoungeJoe Lamb's year-long campaign finally pays off.We read out your responses to last week's Question of the Week and share a real-life story that genuinely felt cinematic — one that Marc forgot to tell before and finally delivers here.Question of the WeekBest movie rivalries?On-screen. Off-screen. Even your own real-life ones.We want your stories.Listen Nowhttps://2ly.link/24tPI⁠View the Listener LeagueSee how listeners rated the movies they chosehttps://linkly.link/2Bi9l⁠View the Legend LeagueEvery movie we've featured and rated on the podcasthttps://linkly.link/2Bfcv⁠Join the conversationVoice messagehttps://linkly.link/2FuSQ⁠Emailhello@moviesinanutshell.comSocialsWebsitehttps://www.moviesinanutshell.com⁠Instagramhttps://www.instagram.com/moviesinanut⁠Facebookhttps://www.facebook.com/moviesinanut⁠HostsMarc FarquharInstagramhttps://www.instagram.com/marcfarquhar⁠Facebookhttps://www.facebook.com/themarcfarquhar⁠Darren HorneLinkedInhttps://www.linkedin.com/in/thedarrenhorne⁠Paul DayInstagramhttps://www.instagram.com/pauldaylive23⁠Recorded atSunbeams Studioshttps://www.thestudioatsunbeams.co.uk⁠Part of Annie Mawson's Sunbeams Music...

Entender a dinâmica do câmbio pode definir quem ganha espaço no mercado global. Não por acaso, negócios que contam com o apoio consultivo do Itaú Empresas têm 70% mais chances de exportar e 50% mais chances de importar, segundo pesquisa da FGV. No terceiro episódio da websérie Um passo à frente, Igor Barreto, economista do Itaú Empresas, e Thiago Miranda, diretor do Grupo Mirandinha, falam sobre como o câmbio influencia a competitividade no mercado e de que forma o planejamento econômico pode abrir novos caminhos. "Um passo à frente" é uma parceria do Estadão Blue Studio com o Itaú Empresas. Confira os episódios nas plataformas do Estadão. See omnystudio.com/listener for privacy information.

BlackRock's Jay Jacobs discusses thematic investing ideas for 2026. (1:00) - Investing Into The Next Growth Cycle For AI (4:05) - What Are The Current Risks When Investing Into AI Right Now? (7:15)  - What Should Investors Expect From The Current Volatility When Investing Into Cryptocurrencies? (10:05) - Themes To Watch When Looking To Diversify Your Portfolio In 2026 (17:45) - Episode Roundup: ARTY, BAI, POWR, ITA, IBIT Podcast@Zacks.com

Finding Gratitude in Simple SoundsI'm back home after my travels, and you might be able to hear the tiny waterfall that pours into the brook along the edge of our land. Maybe you can hear the birds too.This is a short episode about beginning with what's around us - sounds, objects, small moments - and how these simple things can become doorways to gratitude.In this episode, I explore:Why starting with sounds can be a powerful way into gratitude, especially when life feels hardThe beautiful science of birdsong and why it activates our sense of safetyHow building the muscle of gratitude isn't about toxic positivity or fake-it-till-you-make-itA memory from when our son was seven, travelling through France and Spain in a camper van, and how the woman I was then believed she couldn't stop workingWhy trusting our body's need for rest is itself an act of gratitudeI also share details about the Quest for Gratitude - now over 200 people have joined for this free 21-day practice beginning February 26th. We'll gather on Zoom at 7pm UK time to explore the science and practice of gratitude, do a deep relaxation, and journal together. Then 21 days of simple prompts and shared practice.Before you finish listening, pause and notice: what can you hear right now? What can you see? What can you touch? What's something you're grateful for?Settle in, and see where it takes you. JOIN THE QUEST: 21 Days of Gratitude -  a free 21-day practice beginning Thursday February 26th, 7pm (UK), with a gathering on Zoom.  And, if you're curious to receive weekly notes of compassion, take a look at everyday ♡ compassion ★ Support this podcast ★

Estamos en medio de una crisis ambiental, y nuestros estilos de vida urbanos a menudo chocan con los sistemas naturales que nos sostienen, especialmente cuando se trata de los materiales que usamos para construir.Ese fue el enfoque de los primeros dos episodios de esta serie "La Escala Planetaria", Parte 1 y Parte 2.En esta tercera edición, seguimos a Itamar “Ita” Lilienthal, un bio diseñador y arquitecto emergente que está desarrollando alternativas a materiales convencionales con biomateriales. Él cree haber encontrado un biomaterial prometedor que podría ayudar a reducir nuestra dependencia a la madera y reducir el impacto ambiental.Acompañamos a Ita a uno de sus talleres donde demuestra este material y a visitar a otro innovador con ideas afines que está haciendo lo mismo que Ita pero en de los plásticos biodegradables: el Dr. Stephen Mayfield de Algenesis Labs.Y si el apellido de Ita te suena, es porque él es el hermano menor de Alan.No querrás perderte este episodio. ¡Nos vemos pronto!P.SLos prometido es deuda y aquí las fechas de los restos de los episodios que nos hicieron falta de producir en españolLa Escala Planetaria pt 4 - Mayo 2026Juan Soldado - Octubre 2026Redes sociales y contactoDe KPBS, Port of Entry cuenta historias que cruzan fronteras. Para escuchar más historias visita www.portofentrypod.orgFacebook: www.facebook.com/portofentrypodcastInstagram: www.instagram.com/portofentrypodPuedes apoyar nuestro podcast en www.kpbs.org/donate, escribe en la sección de regalos (gift section) “Port of Entry” y como agradecimiento podrás recibir un regalo.Si tu empresa u organización sin fines de lucro desea patrocinar nuestro podcast, envía un correo a corporatesupport@kpbs.orgNos encantaría recibir tu retroalimentación, envíanos un mensaje al 619-500-3197 o un correo a podcasts@kpbs.org con tus comentarios y/o preguntas sobre nuestro podcast.CréditosHosts: Alan Lilienthal and Natalie GonzálezEscritor/Productor: Julio C. Ortiz FrancoProductor Técnico/Diseñador Sonoro: Adrian VillalobosEditora: Chrissy NguyenEpisodios traducidos por: Natalie González and Julio C. Ortíz FrancoDirectora de Programación de Audio y Operaciones: Lisa Morrisette

A inteligência artificial já faz parte da rotina da maioria dos brasileiros, muitas vezes sem que a gente perceba. Mas será que estamos preparados para usar essa tecnologia com consciência? Uma pesquisa do Observatório Fundação Itaú em parceria com o Datafolha revela que 93% da população utiliza IA no dia a dia, direta ou indiretamente, mas apenas 54% dizem entender o que ela realmente é. No novo episódio do Podcast Canaltech, conversamos com Lacier Dias, especialista em tecnologia e transformação digital, sobre os impactos dessa diferença entre uso e compreensão. O episódio aborda desde o avanço acelerado da IA no Brasil até os riscos de utilizar ferramentas sem letramento digital, especialmente quando envolve dados pessoais e informações profissionais. Durante a conversa, o especialista explica por que a inteligência artificial chegou primeiro ao público, diferente de outras tecnologias e como isso mudou a forma como aprendemos a lidar com inovação. O episódio também discute como o conhecimento em IA pode aumentar produtividade, gerar vantagem no mercado de trabalho e, ao mesmo tempo, trazer desafios relacionados à segurança e privacidade. Você também vai conferir: Google lança rival mais barato do iPhone, Gemini agora cria músicas com IA e privada japonesa aposta em higiene automatizada. Este podcast foi roteirizado e apresentado por Fernada Santos e contou com reportagens de Renato Moura e João Melo, sob coordenação de Anaísa Catucci. A trilha sonora é de Guilherme Zomer, a edição de Livia Strazza e a arte da capa é de Erick Teixeira.See omnystudio.com/listener for privacy information.

Itaú fora do ar? Banco sofre com instabilidade e problemas com Pix nesta quinta (19). Nvidia irá anunciar em março chip “que vai surpreender o mundo”. Mulher se apaixona, casa e fica viúva de ChatGPT. Robôs humanoides lutam Kung Fu, correm quatro metros por segundo, empunham espadas e nunchakus e param a internet. Samsung cria modo de chat seguro para evitar vazamentos, e recurso vaza na web. Gemini ganha gerador de músicas a partir de textos e mais!

In this solo episode, I'm diving into something most women completely overlook when trying to scale: Identity.If you're hustling, plateaued, constantly tweaking your strategy, or feeling burned out… it's not just a business problem.It's an identity problem.Inside this episode, I break down what I call SHE-EO Energy — the embodied identity of the woman who leads with power, clarity, and ease.You'll learn:The difference between your human self and your soulful selfWhy your human self keeps you stuck in hustle, validation, and fearHow to identify energetic kinks vs. strategic kinks in your businessWhat it actually means to activate the SHE-EO identityWhy scaling to 6 and 7 figures becomes easier when you embody the woman who already holds itA guided visualization to connect with your highest self and shift your stateYour human self wants safety.Your soul self wants expansion.The woman who runs a 6 or 7-figure business with ease?She already exists.This episode will help you meet her and choose her.Grab The SHE-EO Handbook HereReady to go all in on your business?Join Total Ascension Business Builder my 6-month program to scale your soul-aligned brand to consistent 6-figure years while working part-time hours.Use code ASCEND for $222 off your enrollment: ⁠Total Ascension Business Builder⁠Have a takeaway, breakthrough, or aha moment from today's episode?

In this episode, Abby Cooper (Risely's Director of Coaching and a parent of a child with type 1 diabetes) sits down with Jessie Bennett, a mom of two in California whose 13-year-old son, Samuel, was diagnosed with T1D two years ago. Jessie opens up about what the first year really felt like: survival mode, numbness, and the constant, invisible fear of low blood sugar that can hijack your body and your mind.Together, Abby and Jessie talk about why this episode is intentionally different, because the goal is not to wait until everything feels “fixed” before you get support. Jessie shares what shifted through coaching: building a simple “order of operations” toolkit, learning to slow down the spiral, and redefining progress as being able to live even when fear still shows up.WHAT WE COVER:What the first 6 to 12 months after a child's diagnosis can feel like, and why it's normalHow fear of low blood sugar shows up physically, emotionally, and in decision-makingThe “invisible” anxiety parents carry, even when they look calm on the outsideWhy coaching is not about erasing fear, but changing how you live alongside itA practical toolkit for making decisions: insulin on board, trend, and “I have what I need to handle this”Redefining progress when you're still in the middle, without rushing yourself to a finish lineKEY TAKEAWAYS:1️⃣ Fear is protective, but it comes with a cost. The goal is not to shame it away. It is to stop letting it run the whole day (or night).2️⃣ Real change comes from experience, not explanation. Tools, repetition, and safety-building moments are what rewire confidence.3️⃣ Progress you can't measure still matters. Letting your child go play at 110, trusting the plan, and staying regulated, those wins change your whole family.WHAT'S NEXT:

Warrior 2 Pose and Energy ~ Code Red (28 May 2007 - Rome, ITA)

This isn't a review, this is a decision...PART 1 – The Nutshell – If you haven't seen itA spoiler-free breakdown of the cult sci-fi parody Spaceballs, a film that turns blockbuster space opera on its head with absurdity, slapstick and relentless meta-humour.An exploration of the film's tone and rhythm, looking at how it blends visual gags, wordplay and fourth-wall breaks to create a comedy that deliberately undercuts epic storytelling at every turn.A look at the kind of viewing experience Spaceballs offers — fast, silly, knowingly ridiculous and packed with references — without touching on specific plot turns or punchlines.By the end of Part 1, you'll know whether this brand of intergalactic spoof belongs on your watchlist.---PART 2 – The Unboxing – If you've seen itWhat Did You Miss?The layers beneath the surface, from how the film deconstructs franchise culture and merchandising, to the way it plays with audience expectations of the sci-fi genre.Moments that gain new meaning on reflection, including recurring visual jokes, exaggerated character archetypes and the deliberate stretching of single gags for maximum absurd effect.A closer look at how parody is used not just for laughs, but as commentary on blockbuster filmmaking and sequel obsession.---Paul's Facts of the DayA standout set of facts and trivia, including:Behind-the-scenes production context and how the film came together under comedy legend Mel BrooksCasting decisions that shaped its most iconic performances, including Rick Moranis and John CandyThe film's journey from modest box office performance to enduring cult statusCreative choices that cemented its reputation as one of the boldest genre parodies of the 1980s---Hate It or Rate It?Marc, Darren & Paul submit their scores and Spaceballs takes its place in the Legend League.---PART 3 – Listener LoungeYour questions, your comments and your shout-outs, the Question of the Week and of course the reveal of next week's movie.---Listen Nowhttps://2ly.link/24tPI---View the Legend LeagueEvery movie we've featured and rated on the podcasthttps://linkly.link/2Bfcv---View the Listener LeagueSee how listeners rated the movies they chosehttps://linkly.link/2Bi9l---Join the conversationVoice messagehttps://linkly.link/2FuSQEmailhello@moviesinanutshell.com---SocialsWebsitehttps://www.moviesinanutshell.comInstagramhttps://www.instagram.com/moviesinanutFacebookhttps://www.facebook.com/moviesinanut---HostsMarc FarquharInstagramhttps://www.instagram.com/marcfarquharFacebookhttps://www.facebook.com/themarcfarquharDarren HorneLinkedInhttps://www.linkedin.com/in/thedarrenhornePaul DayInstagramhttps://www.instagram.com/pauldaylive23---Recorded atSunbeams Studioshttps://www.thestudioatsunbeams.co.ukPart of Annie Mawson's Sunbeams Music Trusthttps://sunbeamsmusic.org---MusicMain...

(0:00) Intro(0:02) Khutba, Qur'ani Aayat, Ahadis, Dua(1:15) Zahir aur Batin ke Gunahon se Tauba(1:45) Gunahon mein Halal aur Haram ka Tasawur(3:00) Jab Mushrikin ne Compromise ki Baat ki(4:37) Pakistan Assembly mein Sharab ka Qanoon(5:07) Haram o Halal ka Chakkar (Legal vs Haram)(7:50) Smuggling ke Bayan par Aetrazat ka Jawab (Smuggling ki Earning)(9:57) Hakim ki Ita'at kahan tak jaiz hai(10:49) Smuggling ki Earning kab Halal hoti hai(11:39) Islam vs Government Strategy(12:36) Islam mein Maal ka Haq(13:03) Doosron ka Maal Ghasab karne walon ke liye Wa'eed(14:15) Customs Haram Business kaisay banta hai(14:25) Kis ka Paisa Harrap karna kitna bara Gunah hai(15:07) Market Price vs Assets Value(20:12) Sood ki Haram Qism(21:57) Haram Muawza (Late Fee Penalty ka Masla)(22:51) Ijara aur Monopoly(23:48) Schools ki Reality(24:27) Haram Muahida(25:37) Schools ki Late Fee Penalty(26:01) Charon Imamon ka Fatwa(26:52) Muftabihi Qaul(27:38) Penalty na li jaye to kya ho(28:48) Late Payment par Saza (Imam Malik ki Gunjaish)(32:46) Mannat vs Muahida(33:51) Maali Jurmana(35:23) School Fee se Sadqa(36:06) Rafee Bhai ka Mashwara(36:57) Gunjaish ki Soorat(37:22) Na-Haq Maal Khana(38:03) Hakumat ka Nizam(38:44) Solar Panels aur Pakistan ka System(39:22) Bahir Mulkon ka System(39:54) Pakistan ka System(40:56) Pakistan ke Haq mein Baat(41:20) Agar Pakistan Hath se gaya(42:00) Karachi ke Badtareen Halaat(42:48) Strong Defence par No Compromise(43:55) Haram Muawza ka Masla(44:08) Tax System(44:25) Ijtemai Kaam mein Zabardasti Maal Lena(46:14) Ijtemai Qurbani ke Usool(49:52) Ijtemai Qurbani ka Tajurba(50:28) Fiqh mein Khareed o Farokht(52:02) Ijtemai Qurbani ka Profit/Loss(54:42) Fiqhi Qaidah(55:15) Forex Trading(55:35) Sood ko Halal Karna aur Gumrah Fatway(58:51) Nabi ﷺ ka Farman Ummat ke Hawalay se(59:10) Ghamdi ki Gumrahiyan(1:01:47) Khulasa Bayan(1:02:41) Adalti Khula(1:07:21) Pakistani Qawaneen aur Family System(1:08:13) Assembly Law Makers ki Reality(1:08:55) Parliamentarians ko Mufti sb ka Challenge(1:09:45) Islam vs Western Society(1:13:52) Cancer Patient ke liye Dua(1:14:28) Hospital Visit Advice (BP, Sugar)(1:19:08) Panadol ke Side Effects?(1:20:45) 40 ke baad BP Control(1:21:39) Motapay ki Wajoohat(1:22:35) Gosht Khor vs Sabzi Khor(1:23:23) Ghar ka Jhagra (Pratha Incident)(1:23:50) Nabi ﷺ ki Khorak(1:24:09) Motapay ki wajah se Shadi(1:24:56) Diesel ke Prathy(1:25:29) Awareness Workshops ka Mashwara(1:28:55) Gharailu Jhagron ka Hal (Diet Plan)(1:31:32) Balochistan Listener se Mulaqat(1:32:10) Valentine Day ka Wabal(1:35:19) Chitral se Aane wala Listener(1:36:02) Kidney Patient aur Roza(1:36:49) Juma ki Namaz kab Nafiz hui(1:37:02) Haram Rozi ka Namaz par Asar(1:37:23) Qarz aur Khudkushi ka Masla(1:38:59) Qabar mein Dobara Tadfeen(1:40:55) Bari Mannat ka Hal(1:43:32) Zillat ya Imtihan?(1:45:58) Khawateen ke liye InDrive Bike Ride(1:46:50) Kala Jadu ka Ilaj Hosted on Acast. See acast.com/privacy for more information.

Hoje recebemos Renata Rivetti que é pesquisadora na ciência da felicidade, palestrante do TEDx, LinkedIn Top Voice e autora de O Poder do Bem-Estar. Renata é administradora formada pela FGV e pós-graduada em Psicologia Positiva e Estudos da Felicidade. Deixou a carreira executiva para se dedicar à transformação do trabalho. À frente da Reconnect, atua com felicidade corporativa, liderança humanizada e redesenho do futuro do trabalho, impactando empresas como Unilever, Itaú, Natura e Grupo Boticário. Vamos falar de felicidade, que tal? See omnystudio.com/listener for privacy information.

Hoje recebemos Renata Rivetti que é pesquisadora na ciência da felicidade, palestrante do TEDx, LinkedIn Top Voice e autora de O Poder do Bem-Estar. Renata é administradora formada pela FGV e pós-graduada em Psicologia Positiva e Estudos da Felicidade. Deixou a carreira executiva para se dedicar à transformação do trabalho. À frente da Reconnect, atua com felicidade corporativa, liderança humanizada e redesenho do futuro do trabalho, impactando empresas como Unilever, Itaú, Natura e Grupo Boticário. Vamos falar de felicidade, que tal? See omnystudio.com/listener for privacy information.

Send a textIn diesem Video schauen wir uns die aktuelle Diskussion rund um die Earn-Out-Klausel im Deal zwischen Lufthansa und ITA Airways an.Italien will den Bonus auch dann – selbst wenn ITA erst 2028 profitabel wird. Lufthansa sieht das anders.Was bedeutet das für die Übernahme? Für die Preisstruktur? Und für die Zukunft der neuen A++ Allianzstruktur?Kurz erklärt – auf den Punkt.

Charade (1963)Darren''s PickPART 1 – The Nutshell – If you haven't seen itA spoiler-free breakdown of the classic mystery-thriller Charade, a film that blends suspense, romance and comedy against a stylish Parisian backdrop.An exploration of the film's tone and rhythm, looking at how it balances lightness and tension, and how its playful approach to danger sets it apart from more straight-faced thrillers of the era.A look at the kind of viewing experience Charade offers — fast-moving, dialogue-driven and deliberately unpredictable — without touching on story details, twists or outcomes.By the end of Part 1, you'll know whether this mix of mystery, charm and tonal juggling belongs on your watchlist.PART 2 – The Unboxing – If you've seen itWhat Did You Miss?The details beneath the surface, from how the film withholds and reshapes information, to the way tone is used to disarm the audience while keeping tension in play.Moments that gain new meaning on reflection, including recurring visual cues, shifting character dynamics, and how humour is used to redirect attention.A deeper look at the film's themes of trust, identity and uncertainty, and how Charade plays games with audience expectations throughout.Paul's Facts of the DayA standout set of facts and trivia, including:Behind-the-scenes production contextCasting decisions and their impact on the film's dynamicInfluences from and on other mystery and thriller filmsCreative choices that shaped the film's lasting reputationHate It or Rate It?Marc, Darren & Paul submit their scores and Charade takes its place in the Legend League.PART 3 – Listener LoungeYour questions, your comments and your shout-outs, the Question of the Week and of course the reveal of next week's movie.Listen Nowhttps://2ly.link/24tPIView the Legend LeagueEvery movie we've featured and rated on the podcasthttps://linkly.link/2BfcvView the Listener LeagueSee how listeners rated the movies they chosehttps://linkly.link/2Bi9lJoin the conversationVoice messagehttps://linkly.link/2FuSQEmailhello@moviesinanutshell.comSocialsWebsitehttps://www.moviesinanutshell.comInstagramhttps://www.instagram.com/moviesinanutFacebookhttps://www.facebook.com/moviesinanutHostsMarc FarquharInstagramhttps://www.instagram.com/marcfarquharFacebookhttps://www.facebook.com/themarcfarquharDarren...

No segundo episódio da série “Um passo à frente”, Camila Coutinho, creator e empresária fundadora da GE Beauty, e Lorena Dourado, economista do Itaú, discutem os caminhos do crescimento em um cenário marcado por inovação, capital de risco e mudanças econômicas. As convidadas analisam o próximo ciclo macroeconômico, o papel dos juros, das reformas e da previsibilidade para destravar investimentos.“Um passo à frente” é uma parceria do Estadão Blue Studio com o Itaú Empresas. Confira os episódios nas plataformas do Estadão. Link do EP #01: CONTEÚDO PATROCINADO: Dayse Paparoto e Raul Matos | Um passo à frente #1 - Notícia no seu tempo | Podcast on SpotifySee omnystudio.com/listener for privacy information.

We discuss the outlook for the sector following a strong rally. (1:00) - European Defense Industry: How Are NATO Alliances Funded? (10:10) - Middle East Dynamic: What Should Investors Expect? (13:45) - Navigating The Current Defense Industry: Where Should You Look To Invest? (21:20) - Gabelli Commercial Aerospace and Defense ETF: GCAD (25:00) - Episode Roundup: GCAD, ITA, XAR, EUAD, SHLD Podcast@Zacks.com

The Weekly Blitz is brought to you by our friends over at Shop Marketing Pros. If you want to take your shop to the next level, you need great marketing. Shop Marketing Pros does top-tier marketing for top-tier shops.Click here to learn more about Top Tier Marketing by Shop Marketing Pros and schedule a demo: https://shopmarketingpros.com/chris/Check out their podcast here: https://autorepairmarketing.captivate.fm/If you would like to join their private facebook group go here: https://www.facebook.com/groups/autorepairmarketingmastermindHost: Coach Chris CottonNetwork: Aftermarket Radio NetworkEpisode Title: Celebrate the Win… Then Keep MovingPodcast Description (Apple Podcasts / Spotify)What happens when you hit a big goal… and your coach barely pauses before handing you the next one?In this episode of The Weekly Blitz, Chris Cotton dives into the tension between celebrating wins and maintaining momentum — from both sides of the coaching relationship. Sparked by a personal weight-loss milestone that was quickly followed by a new target, Chris reflects on what accountability really looks like, why great coaches don't linger on success, and how a simple pause — just one more beat — can make people feel seen without slowing progress.This episode is a must-listen for shop owners, leaders, and coaches who want to push people forward without losing the human element along the way.

The BikeRadar News podcast is back again, with Simon von Bromley joining Jack Luke to dissect the biggest tech stories in cycling this week.  The pair kick things off with news of a new anti-doping technology that promises to catch more cheats. But it's been met with fierce resistance from the pro riders' union, and Simon reckons there are big flaws in the ITA's plan.  Next, the conversation turns to Campagnolo's future – can the iconic Italian brand ever win back mainstream success? From the case for a simple mechanical groupset to the realities of global pricing and shifting expectations, Simon and Jack debate what Campag needs to do to stay relevant in 2026 and beyond.  Finally, they take a look at Garmin's latest – and brightest – Varia radar light. Why have rear-view radars become so popular, and do you really need one on your bike? Learn more about your ad choices. Visit podcastchoices.com/adchoices

No Ad, No Problem Founder John Parsons joins Editor-in-Chief Alex Gruskin to preview the 2026 ITA Women's National Indoor Round of 16. They first share their biggest gripes with the seeds, then offer their reaction to the ITA's decision to waive the conference rule for R16 play. They then breakdown each Round of 16 battle, share their predictions for the opening round, plus SO much more!! Episode Bookmarks Biggest seeding gripes - 4:45 LSU (3) vs. Tennessee (6) - 11:00 Texas AM (3) vs. Vanderbilt (6) - 23:00 UGA (2) vs. UVA (7) - 33:20 Oklahoma (2) vs. Texas (7) - 45:10 Auburn (1) vs. Northwestern (8) - 54:30 UNC (1) vs. Illinois (8) - 59:50 Oklahoma State (4) vs. NC State (5) - 1:04:31 Duke (4) vs. Ohio State (5) - 1:12:40 Predictions - 1:24:23 Laurel Springs Ranked among the best online private schools in the United States, Laurel Springs stands out when it comes to support, personalization, community, and college prep. They give their K-12 students the resources, guidance, and learning opportunities they need at each grade level to reach their full potential. Find Cracked Racquets Website: https://www.crackedracquets.com Instagram: https://instagram.com/crackedracquets Twitter: https://twitter.com/crackedracquets Facebook: https://Facebook.com/crackedracquets YouTube: https://www.youtube.com/c/crackedracquets Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How do you know if your virtual program is actually high quality—without reducing it to a checklist?Dr. Chris Harrington returns to the podcast to share how he's building the Virtual Learning Accelerator: a human-centered system that helps leaders assess program quality, translate results into priorities, and support teachers over time—without outsourcing professional judgment to AI.What you'll get from this episodeA clear way to think about quality as a system, not a tool or a single roleHow standards-aligned self-assessment becomes useful instead of performativePractical guardrails for using AI to speed up improvement without distorting itA sustainable model for improving virtual programs year over yearKey moments00:01–02:05 — Why the quality question matters now02:20–07:30 — The Virtual Learning Accelerator: coaching, assessment, and PD as one system09:46–14:45 — How the needs assessment works (14 standards, ~45–60 minutes, instant report)15:45–18:45 — Why the AI launch was delayed: tightening rubrics and recommendations21:03–26:40 — Turning scores into action: why coaching is the translation layer28:30–36:10 — Supporting teachers at scale: micro-courses aligned to online teaching standards37:00–40:10 — Revisiting “Why Distance Learning?”: the shift from access to qualityLinksVirtual Learning Accelerator: digitallearningworks.orgEmpowerED Research Institute: empoweredresearch.orgNational Standards for Quality Online Learning: nsqol.orgHost LinksDiscover more virtual learning opportunities at CILC.org with hosts Tami Moehring and Allyson Mitchell.Seth Fleischauer's Banyan Global Learning combines live virtual field trips with international student collaborations for a unique K12 global learning experience. See https://banyangloballearning.com/global-learning-live/

We review top Space Stocks and ETFs that are handily outperforming the market since the Executive Order issued in December designed to keep the United States a dominant force in space.  We take a look at the big-name stocks that the Motley Fool recommends "Doubling Down" on in 2026.

Sadly I cannot respond directly to your text, so please Email me!///// RE-RELEASE /////Today I'm talking about what an FLR really looks like (hint: there's no rulebook), how cuckolding and chastity can work when they're born from trust and real-life communication, and yes… I'm diving into a wild little corner of the kink blogosphere called “Erection Correction.” Buckle up, the caffeine is kickin in!What You'll Hear in This Episode:What female-led really means — and why your version doesn't need to look like anyone else'sWhy our cuckolding dynamic works for us — and how we created it with mutual honestyThe real impact of chastity on behavior, control, and daily lifeWhy our FLR isn't always kink-forward — and why that's okayA look at the German blog that introduced us to the idea of “erection correction” — and Krystine's take on itA reminder: FLR isn't about impressing strangers. It's about making things work with your actual lifePractical Takeaways:You don't need chastity, cuckolding, or punishment protocols to have a real FLR. You just need communication and consent.Some FLRs are hardcore. Some are soft. Some are both, depending on the season of life you're in.Don't judge your dynamic by what you see online — especially when people are performing.Learn how to glean, not mimic. Take what helps you grow. Leave what doesn't serve you.Erection correction? It's real. It's intense. And it's a hell of a mindset shift. (Not for the faint of heart, but totally fascinating.)My FLR Life Right NowThings are wild around here. Life is a little chaotic — we're moving, juggling family, and keeping up with business. Our FLR is still very much present, but it's on a softer autopilot mode right now. That's real life. That's love. That's what makes our dynamic sustainable.Support the showHelp Support The Show? https://www.krystinekellogg.com/ Email Me! KrystineKellogg@Gmail.com Want to support the podcast and be involved with the behind-the-scenes, including voting on episode topics, as well as tiptoe with me into this whole "coaching" thing. Find my Patreon HERE! Keywords:domestic discipline, female led relationship dynamics, accountability, communication, people pleaser, personal growth, female led relationship challenges, discipline strategies, humor in relationships, shared growth, female led relationship advice, discipline and play, understanding in partnerships, personal anecdotes, physical touch, relationship rules, partnership growth, podcast insights, female-led relationships, submissive rewards, holiday appreciation, partner devotion, relationship dynamics,, control and appreciation, partner confidence, submissive devotion, unique dynamics, balance of control, partner nurturing, relationship empowerment, submissive strength.pegging, female-led relationship, kink, empowerment, dominance, submission, ass play, emotional connection, intimacy, power play, strap-on, control

We talk a lot about manifestation, alignment, and high vibration—but what if the real shift comes from action? In this episode, we dive into why confidence isn't something you wait for, but something you earn through doing the hard, unsexy work. If you've been feeling stuck, fearful, or unmotivated, this conversation is for you.In This Episode, We Cover:Why thinking differently doesn't create real change—action doesHow fear, avoidance, and excuses keep your nervous system stuckThe truth about confidence and why you can't wait for itA personal story about rebuilding confidence through consistent actionHow momentum shifts your energy and identityWhy small reps matter more than motivationA simple daily challenge to help you move forwardHow decisiveness builds confidence (and lowers anxiety)Key Takeaway:Action doesn't follow confidence. Confidence follows action.Listener Challenge:Set a 10-minute timer today and tackle the thing you've been avoiding. Keep one promise to yourself—and notice how your energy shifts.CONNECT WITH MICHELLE  Website: www.themichellewolfe.com Podcast @themuveforwardpodcast Host @themichellewolfe Muve Life @muvelife Activewear www.muvelife.com 15% discount code for Podcast listeners  “MUVEFORWARD"

In this episode, I sit down with Papi DiNuzzo, bestselling author, wealth advisor, and founder of Papi MindsetCoach™, for a deeply expansive conversation on mindset, manifestation, and conscious creation. Papi's journey from generational hardship to building a billion-dollar firm is rooted not just in strategy, but in energy, belief, and intentional living. Together, we explore what it really takes to shift out of limitation and into abundance, no matter where you're starting from.Some Key HighlightsThe overlooked mindset shift that separates effort from true creationWhy most people unknowingly manifest what they don't want and how to reverse itA simple daily practice that strengthens alignment without adding more workHow subconscious beliefs quietly shape health, wealth, and relationshipsThe deeper reason action matters just as much as visualizationPapi's message is one of hope, empowerment, and responsibility, reminding us that transformation is both an inner and lived practice. His insights bridge spirituality, personal development, and real-world results in a way that feels grounded and actionable. If you're ready to rethink what's possible and reclaim authorship over your life experience, this conversation will expand your perspective in meaningful ways.Papi's Linkshttps://www.dinuzzo.com/https://papimindsetcoach.com/https://manifestationandmindsetcharity.org/Facebook: https://www.facebook.com/p/Papi-MindsetCoach-61556162742179/ Instagram: https://www.instagram.com/papimindsetcoach/ Tiktok: https://www.tiktok.com/@papimindsetcoach Youtube: https://www.youtube.com/@papimindsetcoach LinkedIn: https://www.linkedin.com/in/papi-pj-dinuzzo/Liked this episode? Share it with a family member, friend, or colleague! Love this show? Say thanks by leaving a positive review. Connect with John Geraghty:Website: https://john-geraghty.com/LinkedIn: https://www.linkedin.com/in/john-geraghtyInstagram: https://www.instagram.com/coachjohngeraghty/ Facebook: https://www.facebook.com/coachjohngeraghty/YouTube: https://www.youtube.com/@John-GeraghtyLearn about The Flow Cultivator program: https://theflowcultivator.com/Grab a copy of The Prism of Perspective Book here: https://a.co/d/f5Lfqbn ___________ ©℗2024 & beyond by John Geraghty. All Rights Reserved.

A little more ITA at Daytona on Rolex 24 Weekend

ITA from inside Daytona Int'l Speedway on the first night of IMSA Rolex 24 weekend.

Lula fez referência a Daniel Vorcaro, dono do Banco Master, durante evento em Maceió nesta sexta-feira, 23. “Não é possível que a gente continue vendo o pobre ser sacrificado enquanto tem um cidadão do Banco Master que deu um golpe de mais de 40 bilhões de reais. E quem vai pagar são os bancos, é o Banco do Brasil, é a Caixa Econômica que vai pagar, é o Itaú. Um cidadão que deu um desfalque de 40 bilhões de reais neste país. E tem gente que defende. Porque também está cheio de gente que falta um pouco de vergonha na cara neste país“, afirmou o petista, sem citar nomes.Duda Teixeira e Madeleine Lacsko comentam:Papo Antagonista é o programa que explica e debate os principais acontecimentos dodia com análises críticas e aprofundadas sobre a política brasileira e seus bastidores.Apresentado por Madeleine Lacsko, o programa traz contexto e opinião sobre os temas mais quentes da atualidade.Com foco em jornalismo, eleições e debate, é um espaço essencial para quem busca informação de qualidade.Ao vivo de segunda a sexta-feira às 18h.Apoie o jornalismo Vigilante: 10% de desconto para audiência do Papo Antagonistahttps://bit.ly/papoantagonistaSiga O Antagonista no X:https://x.com/o_antagonistaAcompanhe O Antagonista no canal do WhatsApp.Boletins diários, conteúdos exclusivos em vídeo e muito mais.https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344Leia mais em www.oantagonista.com.br | www.crusoe.com.br

Did you know there's such a thing as the astrology of menopause? Yasmin explores how Saturn, Uranus and Chiron cycles in our 40s and early 50s symbolise themes like reassessment, disruption and healing, and asks whether those line up with real-world menopause.To reality-check the astrology, Yasmin invites her oldest friend, journalist and TV producer-turned-author Fiona Clark, whose new book MenoWars dives into the medical, cultural, and political landscape of menopause today.In this conversationYasmin and Fiona discuss:• The idea of “astrology of menopause” and key midlife cycles• Why Saturn themes of reassessment and low mood match many women's symptoms• The “no more fucks to give” threshold and Uranus-style liberation• How trauma affects menopause severity and why research is lacking• The politics, commercialisation, and medical gaps around menopause care• The Maiden–Mother–Crone framework and whether a “wise elder” stage exists today• Why Fiona started a menopause charity to tackle research funding and education gaps• HRT confusion, risk, and why “it depends” is the only honest answer• Laughter, honesty, feminism, and reclaiming the CroneKey takeaways Midlife astrology mirrors lived experience more than you might think.Saturn's heaviness, Uranus' rebellion, and Chiron's healing themes show up in mood, identity, health and boundaries. Menopause is not just hot flushes.There are silent changes to the brain, heart, and bones that need attention beyond symptom management. The cultural moment is messy.Social media, medical arguments and commercial influences have created what Fiona calls the “Menowars.” Feminism matters here.Access, research, education and respect are still uneven. Menopause is a women's health equity issue. There is power in the Crone.The idea of the wise elder resonates, but culture hasn't caught up yet.About Fiona's book“MenoWars: Why menopause's moment has gone horribly wrong, and how you can navigate your way through it”The Times called it “fascinating.” It looks at menopause through science, politics, media, money and medicine, and includes humour plus real stories from women.Available in the USA this week, and already in the UK and Australia.Where to find Fiona• Instagram: @fiona_clark_writes• Menopause Research and Education Fund: (Instagram, Facebook, YouTube)• Book: MenoWars: Why menopause's moment has gone horribly wrong, and how you can navigate your way through itA final piece of advice from Fiona“Stop listening to everybody else's opinions. It's your menopause, it's your choice… cut out the noise.” Join the Mainly Moonology inner circle: https://moonmessages.com/magical––Follow Yasmin on socials:✨ Facebook: https://www.facebook.com/yasminbolandmoonology ✨ Instagram: https://www.instagram.com/moonologydotcom/––Mainly Moonology is a podcast for people looking to manifest their dream life leveraging the power of the moon. Tune in each week for accessible moon teachings, weekly readings, discussions about the Law of Attraction, and everything in between! Follow us for more.

No episódio de hoje recebemos Renato Politi, uma das maiores autoridades em patrocínio do Brasil e da América Latina. Vice-presidente da Sponsorium há 13 anos, Renato atua nessa plataforma canadense que analisa bilhões de reais investidos globalmente por grandes marcas. Com experiência internacional em marketing e desenvolvimento de negócios, trabalhou com empresas do Brasil, EUA, Canadá, Europa e América Latina. Atua ao lado de marcas como Itaú, Claro, Banco do Brasil, Braskem e Porto Seguro, ajudando a definir critérios reais de decisão em patrocínio. Renato criou um método baseado em como as marcas realmente pensam, que se transformou numa série de e-books e num workshop, indispensável para quem trabalha com venda e compra de patrocínios. .............................................................................................................................

DOWNLOAD Your FREE Grit, Grace, & Inspiration Life Guide!What if the secret to your best year ever isn't setting more goals or crafting the perfect New Year's resolution... But rather something way more exciting?In this refreshing episode, host Kevin Lowe challenges you to ditch the traditional New Year's Resolution and invites you to embrace something far more powerful: dreaming big! While the world pushes resolutions that often fizzle out by February, Kevin shows you how reconnecting with your dreams can provide a true North Star for your year—and your life.Here's what you'll walk away with from this episode:A fresh perspective on why goal-setting might be limiting your potential instead of unlocking itA simple, 4-part framework to rediscover and define your personal dreams across key areas of lifeInspiration and real-life vulnerability as Kevin shares his own dream list—and how you can create yoursLet's Start Dreaming BIG!Listen now to stop setting small goals and start dreaming big so you can finally design the life—and year—you truly want.Hey, it's Kevin!I hope you enjoyed today's episode! If there is ever anything I can do for you, please don't hesitate to reach out. Below, you will find ALL the places and ALL the ways to connect!I would LOVE to hear from you! Send me a Voice MessageWant to be a guest on GRIT, GRACE, & INSPIRATION? Send Kevin Lowe a message on PodMatch!Book Kevin to Speak at Your Next Event: CLICK to Learn More + Get In TouchHire Kevin to Create Your Own Custom Soundtrack!Or for 1 Place for Everything, CLICK to visit the website!Stay Awesome! Live Inspired!© 2025 Grit, Grace, & Inspiration This podcast is designed specifically for those seeking healing from trauma, relief from anxiety, overcoming fear of the unknown, resolving isolation, rebuilding self-worth, confronting guilt and shame, personal growth after trauma, finding their life's purpose, recovering from emotional distress, conquering limiting beliefs, navigating identity shifts, building resilience, rebuilding relationships, coping with chronic pain, searching for spiritual direction, embracing inner strength, cultivating hope, overcoming self-doubt, reclaiming their future, and experiencing post-traumatic growth.

ABOUT THE EPISODE:If you've ever felt uncertain about what your teen or young adult might be using—and how easily accessible today's substances have become—this episode is a must-listen. I sat down with Sebastian Martin, Executive Director at New Life House, a long-standing sober living program for young men, to unpack the alarming rise of so-called “gas station garbage”—substances like Kratom, kava, 7-0H, and “Feel Free” tonics that are marketed as harmless but can create dependency and serious mental health fallout. With his deep professional experience and 15 years in recovery himself, Sebastian offers an inside look at what's showing up in schools, treatment centers, and homes—and what parents need to know right now.You'll hear a candid, compassionate conversation where we explore how experimentation today can escalate much faster than it did even a decade ago, why isolation in a bedroom can be as concerning as chaotic, risky behavior, and how crucial community and connection are in early recovery—for both parents and their kids. We also discuss the life-changing potential of treatments like TMS (Transcranial Magnetic Stimulation) and what true collaboration between mental health and substance use professionals looks like when it's done right.What You'll Learn:What “gas station garbage” really is and why it's showing up in homes, schools, and even jails (but not on standard drug screens)Why today's cannabis and other “legal” substances are nothing like what you may have experimented with as a teenHow to recognize when isolation can be just as dangerous as acting outThe essential role of healthy community for teens and young adults—and how parents can encourage itA powerful mindset shift for parents: how to love your child to life, not to death.This conversation offers clarity and calm in a world of misinformation, helping you understand what's happening beneath your child's behavior—and reminding you that not all hope is lost.EPISODE RESOURCES:New Life House websiteHopestream podcast episode 241 with Dr. Martha Koo (TMS)DEA Fact Sheet on KratomInformation on the “Feel Free” tonic by Eleanor HealthThis podcast is part of a nonprofit called Hopestream CommunityGet our free, 4-video course, Hope Starts Here, and access to our Limited Membership hereLearn about The Stream, our private online community for momsFind us on Instagram hereWatch the podcast on YouTube hereDownload a free e-book, Worried Sick: A Compassionate Guide For Parents When Your Teen or Young Adult Child Misuses Drugs and AlcoholHopestream Community is a registered 501(c)3 nonprofit organization and an Amazon Associate. We may make a small commission if you purchase from our links.