Podcasts about Kessler

What is truly foundational to the universe? Neil deGrasse Tyson and Chuck Nice welcome particle physicist Brian Cox for a discussion about emergence, particles, consciousness, and the very fabric of spacetime. NOTE: StarTalk+ Patrons can listen to this entire episode commercial-free here: https://startalkmedia.com/show/are-we-the-universes-way-of-knowing-itself-with-brian-cox/Thanks to our Patrons Kyrie Diantonio, Brandon Zimmerman, Blane Sibille, Eva Dis, Micheal Bejarano, Z A N, Bart, Aaron Gannon, Chad McJannett, I'm here for the Knowledge Fight!, Daish, Jim, Zachary Casey, Nasry Al-Haddad, Mackrobin Bille, Rebecca, N, Tom Roughley, COrry Pogue, Matthew McNabb, Christian Kendall, Robert L Eberle, Alan Harris, Dayne Mauney, Christopher Moore, Shaq-q, David Maurice, Edmund Prieto, Dan Central Jersey Is Real Alles, Tony Isaacs, Erik Gregemar, Galaksee, Kellen, Amr Saleh, Mystery Jay, MisteryJay, Crosley Duckmann, Jim Hudson, Michael Mustillo, Tony Bacon, John Ordover, Jordan Senerth, MARK LOFTIS, CodyDon, Reader, elliott C, Andrs Larsen, San Anderson-Moxley, Nex Gen Pools LLC, Hayden Quinlan, Aaron Corn, ryan hurst, Tressa Eubank, David Heckert, Matteo ADD Ideas, JCampos Entertainment, Gavin K Chase-Dunn, Olexander Samoilenko, Alexandre Deme, Oyunokata, Natasha Johnson, Julianne Gray, Julia Whitted, Jani Jaikala, Justin Kupsick, peppertree73, chuck Kessler, Jay Goldberg, Cody Moore, Rose, Logan Kuehl, Charles Wayman, and Quantum Crusader for supporting us this week. Subscribe to SiriusXM Podcasts+ to listen to new episodes of StarTalk Radio ad-free and a whole week early.Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week on the Geekin' on Walt Disney World Podcast, we welcome back one of our longest-running Super Geeks and great friends — Glen Kessler! Glen joins us with not just one, but two completely different Disney World trips taken just one week apart. From a high-energy boys-only adventure packed with early rope drops, waterpark fun, and Fort Wilderness hijinks… to a relaxing, heartfelt half marathon weekend with Rebecca and friends… this episode is full of great stories, park hacks, food recommendations, and emotional moments that remind us why we love Disney so much.

Der doppelte Suizid der betagten Kessler-Zwillinge bewegt – vor allem wegen der unverbrüchlichen Geschwisterliebe bis in den Tod. Doch der Fall deutet auch auf einen anhaltenden Streit um die Planbarkeit unseres Lebens hin.  Von Petra Gehring

Apriamo la nostra rassegna di attualità con una discussione sulle politiche migratorie della Danimarca, che molti Paesi europei stanno valutando di adottare. Passeremo, poi, alla nuova legge introdotta in Australia, che vieta l'uso dei social media ai minori di 16 anni. La nostra sezione scientifica questa settimana è dedicata al bacio. Secondo i biologi evoluzionisti, il primo bacio risale a oltre 16 milioni di anni fa. E concluderemo la parte delle notizie con una conversazione su un nuovo record stabilito all'asta di Sotheby's. Un dipinto di Gustav Klimt ha raggiunto una cifra mai vista prima. Stiamo parlando del Ritratto di Elisabeth Lederer, venduto per 236,4 milioni di dollari.    La seconda parte della puntata è dedicata alla lingua e alla cultura italiana. L'argomento grammaticale di oggi è Using Italian Adverbs. Ne troverete numerosi esempi nel dialogo che seguirà, ispirato alla recente decisione del Comune di Firenze di limitare la presenza dei dehors nel centro storico, ovvero quei tavolini, sedie e ombrelloni di bar e ristoranti che ostacolano la circolazione ai pedoni e rendono difficile la vita ai residenti. Nel finale ci soffermeremo sull'espressione idiomatica di oggi: Campato/a in aria/per aria. Il dialogo che segue ricorda due icone della storia della televisione italiana, le gemelle Kessler, ballerine, cantanti e attrici recentemente scomparse, e racconta un'eredità artistica che continua ancora oggi a scaldare il cuore degli italiani. - Altri Paesi valutano di adottare il rigoroso sistema di immigrazione danese - L'Australia introduce il primo divieto al mondo sui social media per i minori di 16 anni - Gli evoluzionisti sostengono che il primo bacio risale a oltre 16 milioni di anni fa - Un dipinto di Gustav Klimt stabilisce un nuovo record di prezzo all'asta di Sotheby's - Firenze dice basta ai dehors invadenti - Addio alle gemelle Kessler, icone della storia della televisione italiana

⚠️ Trigger Warning: This episode discusses suicide and assisted suicide. If these topics are upsetting or activating for you, please take care while listening. You may choose to skip this episode or reach out to someone you trust or a mental health resource for support. Alice and Ellen Kessler were identical twin sisters whose synchronized dance moves, glamour, and charisma made them stars across Europe and beyond. Born in 1936, the twins trained in ballet in East Germany. In 1952, their family fled to West Germany, and soon the sisters began dazzling audiences with their talent.  They rose to international fame in the 1950s and 60s: performing on cabaret stages, television variety shows, and even sharing the screen with legendary names like Frank Sinatra and Fred Astaire. Their elegant presence earned them the nickname "the legs of the nation." In November 2025, at the age of 89, Alice and Ellen made the deeply personal decision to end their lives together by joint assisted suicide in their home near Munich — a choice they had discussed and planned for over a long period. Follow us on IG: @homance_chronicles Connect with us: linktr.ee/homance Send us a Hoe of History request: homancepodcast@gmail.com

Today, my guest is Brent Kessler. Brent Kessler was a chiropractor, and after implementing the money multiplier method, Brent paid off $984,711 in third party debt in 39 months, he became so passionate about how powerful this concept was, he began sharing it with others, and in just a minute, we're going to talk with Brent Kessler about Infinite Banking through the Money Multiplier Method.   https://themoneymultiplier.com/ https://themoneymultiplier.com/brent-kesler  

Un nuovo paper del Fondo Monetario Internazionale certifica il fallimento delle valute fiat dal 1971 ad oggi, dimostrando come i grandi deprezzamenti valutari nel mondo siano una caratteristica intrinseca di questa forma di moneta.Inoltre: anche il CTO di Samoura Wallet è stato condannato, primo audit di sicurezza per Bitcoin Core, JP Morgan chiude i conti a Jack Mallers e l'MSCI pensa di escludere Strategy dal proprio indice.It's showtime!

2025 un anno di ricordi dedicato ai musicisti che ci hanno lasciato in questi mesi da gennaio ad oggi. Una serie di brani fantastici.

Sie haben ihr "Ableben" zelebriert, die sogenannten Kessler-Zwillinge: Alice und Ellen Kessler. Wir sollten nicht traurig sein, denn wir würden sie auf  Wolke 7 wiedertreffen. Wenn sie sich da nicht grundlegend geirrt haben!

La morte volontaria di Alice ed Ellen Kessler, due donne emancipate, protagoniste dello spettacolo e del varietà televisivo in Germania, e soprattutto in Italia a partire dagli anni Sessanta, dov'erano molto amate: cos'è successo e cosa prevedono la legge tedesca e italiana? Luciana Caglioti ne parla con Giulio Galoppo e con l'avvocata Filomena Gallo dell'Associazione Luca Coscioni. Qual è il confine tra la necessaria cura per prevenire i suicidi e il diritto all'autodeterminazione? // Se ti trovi in una grave situazione emotiva, ti sembra di non avere prospettive o hai pensieri suicidali chiedi aiuto, anche in via anonima: al Telefono Amico in Italia, anche via chat o mail, o alla Telefonseelsorge in Germania, ad esempio al numero verde 0800-111 0 111. Per bambini e ragazzi esiste il Nummer gegen Kummer: 116 111 // www.telefonoamico.it - www.telefonseelsorge.de - www.nummergegenkummer.de // Avete domande o suggerimenti? Volete ascoltare un podcast su un tema particolare? Scriveteci a cosmoitaliano@wdr.de Seguiteci anche su Facebook: Cosmo italiano E qui trovate tutti i nostri temi: https://www1.wdr.de/radio/cosmo/sprachen/italiano/index.html Von Luciana Caglioti.

J Darrin Gross And so if you're willing, I'd like to ask you. Brent Kessler, what is the biggest risk?   Brent Kessler Yeah, well, let me answer it a couple different ways on there. But so as far as a risk, okay, as far as in our business, and what we do when you have this type of policy, I tell people all the time, there is no risk at all, because nobody's ever lost money in a whole life insurance policy. But then I stop, and I say, wait a minute, there is one risk. The risk is you, the risk is you the client and how you use the policy. So you're the only one that can screw this up. You are the only one that can screw this up. The insurance company is not going to screw it up. So who do you know better than you. So you're the risk factor now, as far as a risk also when I because, again, I invest in in properties. I have short term rentals, long term rentals, Airbnbs, vrbos. I have raw land. And I do a lot of private lending in the real estate world. I lend to individuals for houses, even to cars. And I also lend into big property developments and to big communities, to real estate developers where I'm providing a portion of their financing to build these big developments, like we got one right now going in Covington, Georgia, another one in Fort Collins, Colorado, where these are big housing projects, right? Well, look, I've been doing this quite a long time, and I've learned a lot as I've gone through this, and the one thing I've done to really lower the risk, because anytime you invest money, you invest money, you are assuming some sort of a risk, okay? So that's why the insurance policy that I talk about is not, is, is just not an investment, because you can't lose money. See an investment, it can go up or it could go down, right? So there's a risk involved. But I would say to avoid risk, that's your greatest at right, just as far as, especially as far as in the real estate world, is to be in first position in everything that you do, be in first position. How do I know that? Well, I've been in second position. Did it always work out? No, as a matter of fact, and I guess if I would have known you were going to ask me this question, I would have wore this shirt that I have, and it says, if you're not first, you're last. That's what my T shirt says. If you're not first, you're last. So I protect myself by being in first position. And I want the collateral on any money that I'm loaning. I want that collateral to be, I want that collateral to be at least equal to, if not greater than, the loan amount that I'm actually loaning. Now I might have to spend some time and energy going out and chasing down and trying to get that or get the collateral, which is going to be a pain in the butt, but you would much rather have the collateral than not have it. One more thing I want to point out from my own personal experience. A couple years ago, we experienced hurricane Ian. Part of my portfolio of rental property is in Captiva Island, Florida, North Captiva Florida. I own a property. If you go out and you take a look at it, just for a rental it's called Captiva Beach, sunset.com beautiful property sits right on the Gulf of Mexico, and it sleeps 18 people. It's all short term rental. It gets about 350,000 a year in the annual rental. I pay back in 21 I paid 1,760,000 for the property. I'm about to sell it. I'm about to sell it for a very discounted rate, because I'm selling it to my son, who is a property manager, and he's buying it for $2.4 million in January, he's getting a great discounted rate, even though I paid one, seven, selling it for two, four, I did okay. Got all the rental income on top of that when Hurricane Ian came through. So I had insurance on the property. It didn't flood, but it had wind damage. And let me just tell you, if you live in Florida, you guys know you probably don't even want to buy flood insurance because it's so expensive. And if it and it does, and it's a lot of limitations of what it covers, but I had wind insurance on that property. It took me a while, but I almost got a million dollars on my insurance claim from the damage on that property. Now, a lot of people think, Wow, a million dollars. You got a million dollars from the property. Well, that property was shut down for about two years, which means it couldn't be rented. I had to do all the renovations. Had to pay for that, had to pay for that all out of pocket, because it took a while for the insurance company to pay on that property. So did I really make money? No, I didn't make money. I did okay, but I didn't make money because I lost all that rental income. But, but I but, but, but I do think my lucky stars that I had insurance on that property, because if not, I would have taken all of that hit. https://themoneymultiplier.com/ https://themoneymultiplier.com/brent-kesler  

In this episode, Kelly Brownell speaks with Jerold Mande, CEO of Nourish Science, adjunct professor at the Harvard School of Public Health, and former Deputy Undersecretary for Food Safety at the USDA. They discuss the alarming state of children's health in America, the challenges of combating poor nutrition, and the influence of the food industry on public policy. The conversation explores the parallels between the tobacco and food industries and proposes new strategies for ensuring children reach adulthood in good health. Mande emphasizes the need for radical changes in food policy and the role of public health in making these changes. Transcript So, you co-founded this organization along with Jerome Adams, Bill Frist and Thomas Grumbly, as we said, to ensure every child breaches age 18 at a healthy weight and in good metabolic health. That's a pretty tall order given the state of the health of youth today in America. But let's start by you telling us what inspired this mission and what does it look like to achieve this in today's food environment? I was trained in public health and also in nutrition and in my career, which has been largely in service of the public and government, I've been trying to advance those issues. And unfortunately over the arc of my career from when I started to now, particularly in nutrition and public health, it's just gotten so much worse. Indeed today Americans have the shortest lifespans by far. We're not just last among the wealthy countries, but we're a standard deviation last. But probably most alarming of all is how sick our children are. Children should not have a chronic disease. Yet in America maybe a third do. I did some work on tobacco at one point, at FDA. That was an enormous success. It was the leading cause of death. Children smoked at a higher rate, much like child chronic disease today. About a third of kids smoked. And we took that issue on, and today it's less than 2%. And so that shows that government can solve these problems. And since we did our tobacco work in the early '90s, I've changed my focus to nutrition and public health and trying to fix that. But we've still made so little progress. Give us a sense of how far from that goal we are. So, if the goal is to make every child reaching 18 at a healthy weight and in good metabolic health, what percentage of children reaching age 18 today might look like that? It's probably around a half or more, but we're not quite sure. We don't have good statistics. One of the challenges we face in nutrition is, unfortunately, the food industry or other industries lobby against funding research and data collection. And so, we're handicapped in that way. But we do know from the studies that CDC and others have done that about 20% of our children have obesity about a similar number have Type 2 diabetes or the precursors, pre-diabetes. You and I started off calling it adult-onset diabetes and they had to change that name to a Type 2 because it's becoming so common in kids. And then another disease, fatty liver disease, really unthinkable in kids. Something that the typical pediatrician would just never see. And yet in the last decade, children are the fastest growing group. I think we don't know an exact number, but today, at least a third, maybe as many as half of our children have a chronic disease. Particularly a food cause chronic disease, or the precursors that show they're on the way. I remember probably going back about 20 years, people started saying that we were seeing the first generation of American children that would lead shorter lives than our parents did. And what a terrible legacy to leave our children. Absolutely. And that's why we set that overarching goal of ensuring every child reaches age 18 in good metabolic health. And the reason we set that is in my experience in government, there's a phrase we all use - what gets measured gets done. And when I worked at FDA, when I worked at USDA, what caught my attention is that there is a mission statement. There's a goal of what we're trying to achieve. And it's ensuring access to healthy options and information, like a food label. Now the problem with that, first of all, it's failed. But the problem with that is the bureaucrats that I oversaw would go into a supermarket, see a produce section, a protein section, the food labels, which I worked on, and say we've done our job. They would check those boxes and say, we've done it. And yet we haven't. And if we ensured that every child reaches age 18 at a healthy weight and good metabolic health, if the bureaucrats say how are we doing on that? They would have to conclude we're failing, and they'd have to try something else. And that's what we need to do. We need to try radically different, new strategies because what we've been doing for decades has failed. You mentioned the food industry a moment ago. Let's talk about that in a little more detail. You made the argument that food companies have substituted profits for health in how they design their products. Explain that a little bit more, if you will. And tell us how the shift has occurred and what do you think the public health cost has been? Yes, so the way I like to think of it, and your listeners should think of it, is there's a North star for food design. And from a consumer standpoint, I think there are four points on the star: taste, cost, convenience, and health. That's what they expect and want from their food. Now the challenge is the marketplace. Because that consumer, you and I, when we go to the grocery store and get home on taste, cost, and convenience, if we want within an hour, we can know whether the food we purchased met our standard there. Or what our expectations were. Not always for health. There's just no way to know in a day, a week, a month, even in a year or more. We don't know if the food we're eating is improving and maintaining our health, right? There should be a definition of food. Food should be what we eat to thrive. That really should be the goal. I borrowed that from NASA, the space agency. When I would meet with them, they said, ' Jerry, it's important. Right? It's not enough that people just survive on the food they eat in space. They really need to thrive.' And that's what WE need to do. And that's really what food does, right? And yet we have food, not only don't we thrive, but we get sick. And the reason for that is, as I was saying, the marketplace works on taste, cost and convenience. So, companies make sure their products meet consumer expectation for those three. But the problem is on the fourth point on the star: on health. Because we can't tell in even years whether it's meeting our expectation. That sort of cries out. You're at a policy school. Those are the places where government needs to step in and act and make sure that the marketplace is providing. That feedback through government. But the industry is politically strong and has prevented that. And so that has left the fourth point of the star open for their interpretation. And my belief is that they've put in place a prop. So, they're making decisions in the design of the product. They're taste, they gotta get taste right. They gotta get cost and convenience right. But rather than worrying what does it do to your health? They just, say let's do a profit. And that's resulted in this whole category of food called ultra-processed food (UPF). I actually believe in the future, whether it's a hundred years or a thousand years. If humanity's gonna thrive we need manmade food we can thrive on. But we don't have that. And we don't invest in the science. We need to. But today, ultra-processed food is manmade food designed on taste, cost, convenience, and then how do we make the most money possible. Now, let me give you one other analogy, if I could. If we were CEOs of an automobile company, the mission is to provide vehicles where people can get safely from A to point B. It's the same as food we can thrive on. That is the mission. The problem is that when the food companies design food today, they've presented to the CEO, and everyone gets excited. They're seeing the numbers, the charts, the data that shows that this food is going to meet, taste, cost, convenience. It's going to make us all this money. But the CEO should be asking this following question: if people eat this as we intend, will they thrive? At the very least they won't get sick, right? Because the law requires they can't get sick. And if the Midmanagers were honest, they'd say here's the good news boss. We have such political power we've been able to influence the Congress and the regulatory agencies. That they're not going to do anything about it. Taste, cost, convenience, and profits will work just fine. Couldn't you make the argument that for a CEO to embrace that kind of attitude you talked about would be corporate malpractice almost? That, if they want to maximize profits then they want people to like the food as much as possible. That means engineering it in ways that make people overeat it, hijacking the reward pathways in the brain, and all that kind of thing. Why in the world would a CEO care about whether people thrive? Because it's the law. The law requires we have these safety features in cars and the companies have to design it that way. And there's more immediate feedback with the car too, in terms of if you crashed right away. Because it didn't work, you'd see that. But here's the thing. Harvey Wiley.He's the founder of the food safety programs that I led at FDA and USDA. He was a chemist from academia. Came to USDA in the late 1800s. It was a time of great change in food in America. At that point, almost all of families grew their own food on a farm. And someone had to decide who's going to grow our food. It's a family conversation that needed to take place. Increasingly, Americans were moving into the cities at that time, and a brand-new industry had sprung up to feed people in cities. It was a processed food industry. And in order to provide shelf stable foods that can offer taste, cost, convenience, this new processed food industry turned to another new industry, a chemical industry. Now, it's hard to believe this, but there was a point in time that just wasn't an industry. So these two big new industries had sprung up- processed food and chemicals. And Harvey Wiley had a hypothesis that the chemicals they were using to make these processed foods were making us sick. Indeed, food poisoning back then was one of the 10 leading causes of death. And so, Harvey Wiley went to Teddy Roosevelt. He'd been trying for years within the bureaucracy and not making progress. But when Teddy Roosevelt came in, he finally had the person who listened to him. Back then, USDA was right across from the Washington Monument to the White House. He'd walk right over there into the White House and met with Teddy Roosevelt and said, ' this food industry is making us sick. We should do something about it.' And Teddy Roosevelt agreed. And they wrote the laws. And so I think what your listeners need to understand is that when you look at the job that FDA and USDA is doing, their food safety programs were created to make sure our food doesn't make us sick. Acutely sick. Not heart disease or cancer, 30, 40 years down the road, but acutely sick. No. I think that's absolutely the point. That's what Wiley was most concerned about at the time. But that's not the law they wrote. The law doesn't say acutely ill. And I'll give you this example. Your listeners may be familiar with something called GRAS - Generally Recognized as Safe. It's a big problem today. Industry co-opted the system and no longer gets approval for their food additives. And so, you have this Generally Recognized as Safe system, and you have these chemicals and people are worried about them. In the history of GRAS. Only one chemical has FDA decided we need to get that off the market because it's unsafe. That's partially hydrogenated oils or trans-fat. Does trans-fat cause acute illness? It doesn't. It causes a chronic disease. And the evidence is clear. The agency has known that it has the responsibility for both acute and chronic illness. But you're right, the industry has taken advantage of this sort of chronic illness space to say that that really isn't what you should be doing. But having worked at those agencies, I don't think they see it that way. They just feel like here's the bottom line on it. The industry uses its political power in Congress. And it shapes the agency's budget. So, let's take FDA. FDA has a billion dollars with a 'b' for food safety. For the acute food safety, you're talking about. It has less than 25 million for the chronic disease. There are about 1400 deaths a year in America due to the acute illnesses caused by our food that FDA and USDA are trying to prevent. The chronic illnesses that we know are caused by our food cause 1600 maybe a day. More than that of the acute every day. Now the agency should be spending at least half its time, if not more, worrying about those chronic illness. Why doesn't it? Because the industry used their political power in Congress to put the billion dollars for the acute illness. That's because if you get acutely ill, that's a liability concern for them. Jerry let's talk about the political influence in just a little more detail, because you're in a unique position to tell us about this because you've seen it from the inside. One mechanism through which industry might influence the political process is lobbyists. They hire lobbyists. Lobbyists get to the Congress. People make decisions based on contributions and things like that. Are there other ways the food industry affects the political process in addition to that. For example, what about the revolving door issue people talk about where industry people come into the administrative branch of government, not legislative branch, and then return to industry. And are there other ways that the political influence of the industry has made itself felt? I think first and foremost it is the lobbyists, those who work with Congress, in effect. Particularly the funding levels, and the authority that the agencies have to do that job. I think it's overwhelmingly that. I think second, is the influence the industry has. So let me back up to that a sec. As a result of that, we spend very little on nutrition research, for example. It's 4% of the NIH budget even though we have these large institutes, cancer, heart, diabetes, everyone knows about. They're trying to come up with the cures who spend the other almost 50 billion at NIH. And so, what happens? You and I have both been at universities where there are nutrition programs and what we see is it's very hard to not accept any industry money to do the research because there isn't the federal money. Now, the key thing, it's not an accident. It's part of the plan. And so, I think that the research that we rely on to do regulation is heavily influenced by industry. And it's broad. I've served, you have, others, on the national academies and the programs. When I've been on the inside of those committees, there are always industry retired scientists on those committees. And they have undue influence. I've seen it. Their political power is so vast. The revolving door, that is a little of both ways. I think the government learns from the revolving door as well. But you're right, some people leave government and try to undo that. Now, I've chosen to work in academia when I'm not in government. But I think that does play a role, but I don't think it plays the largest role. I think the thing that people should be worried about is how much influence it has in Congress and how that affects the agency's budgets. And that way I feel that agencies are corrupted it, but it's not because they're corrupted directly by the industry. I think it's indirectly through congress. I'd like to get your opinion on something that's always relevant but is time sensitive now. And it's dietary guidelines for America. And the reason I'm saying it's time sensitive is because the current administration will be releasing dietary guidelines for America pretty soon. And there's lots of discussion about what those might look like. How can they help guide food policy and industry practices to support healthier children and families? It's one of the bigger levers the government has. The biggest is a program SNAP or food stamps. But beyond that, the dietary guidelines set the rules for government spending and food. So, I think often the way the dietary guidelines are portrayed isn't quite accurate. People think of it in terms of the once (food) Pyramid now the My Plate that's there. That's the public facing icon for the dietary guidelines. But really a very small part. The dietary guidelines are meant to help shape federal policy, not so much public perception. It's there. It's used in education in our schools - the (My) Plate, previously the (Food) Pyramid. But the main thing is it should shape what's served in government feeding programs. So principally that should be SNAP. It's not. But it does affect the WIC program- Women, Infants and Children, the school meals program, all of the military spending on food. Indeed, all spending by the government on food are set, governed by, or directed by the dietary guidelines. Now some of them are self-executing. Once the dietary guidelines change the government changes its behavior. But the biggest ones are not. They require rulemaking and in particular, today, one of the most impactful is our kids' meals in schools. So, whatever it says in these dietary guidelines, and there's reason to be alarmed in some of the press reports, it doesn't automatically change what's in school meals. The Department of Agriculture would have to write a rule and say that the dietary guidelines have changed and now we want to update. That usually takes an administration later. It's very rare one administration could both change the dietary guidelines and get through the rulemaking process. So, people can feel a little reassured by that. So, how do you feel about the way things seem to be taking shape right now? This whole MAHA movement Make America Healthy Again. What is it? To me what it is we've reached this tipping point we talked about earlier. The how sick we are, and people are saying, 'enough. Our food shouldn't make us sick at middle age. I shouldn't have to be spending so much time with my doctor. But particularly, it shouldn't be hard to raise my kids to 18 without getting sick. We really need to fix that and try to deal with that.' But I think that the MAHA movement is mostly that. But RFK and some of the people around them have increasingly claimed that it means some very specific things that are anti-science. That's been led by the policies around vaccine that are clearly anti-science. Nutrition is more and more interesting. Initially they started out in the exact right place. I think you and I could agree the things they were saying they need to focus on: kids, the need to get ultra-processed food out of our diets, were all the right things. In fact, you look at the first report that RFK and his team put out back in May this year after the President put out an Executive Order. Mostly the right things on this. They again, focus on kids, ultra-processed food was mentioned 40 times in the report as the root cause for the very first time. And this can't be undone. You had the White House saying that the root cause of our food-caused chronic disease crisis is the food industry. That's in a report that won't change. But a lot has changed since then. They came out with a second report where the word ultra-processed food showed up only once. What do you think happened? I know what happened because I've worked in that setting. The industry quietly went to the White House, the top political staff in the White House, and they said, you need to change the report when you come out with the recommendations. And so, the first report, I think, was written by MAHA, RFK Jr. and his lieutenants. The second report was written by the White House staff with the lobbyists of the food industry. That's what happened. What you end up with is their version of it. So, what does the industry want? We have a good picture from the first Trump administration. They did the last dietary guidelines and the Secretary of Agriculture, then Sonny Perdue, his mantra to his staff, people reported to me, was the industries- you know, keep the status quo. That is what the industry wants is they really don't want the dietary guidelines to change because then they have to reformulate their products. And they're used to living with what we have and they're just comfortable with that. For a big company to reformulate a product is a multi-year effort and cost billions of dollars and it's just not what they want to have to do. Particularly if it's going to change from administration to administration. And that is not a world they want to live in. From the first and second MAHA report where they wanted to go back to the status quo away from all the radical ideas. It'll be interesting to see what happens with dietary guidelines because we've seen reports that RFK Jr. and his people want to make shifts in policies. Saying that they want to go back to the Pyramid somehow. There's a cartoon on TV, South Park, I thought it was produced to be funny. But they talked about what we need to do is we need to flip the Pyramid upside down and we need to go back to the old Pyramid and make saturated fat the sort of the core of the diet. I thought it meant to be a joke but apparently that's become a belief of some people in the MAHA movement. RFK. And so, they want to add saturated fat back to our diets. They want to get rid of plant oils from our diets. There is a lot of areas of nutrition where the science isn't settled. But that's one where it is, indeed. Again, you go back only 1950s, 1960s, you look today, heart disease, heart attacks, they're down 90%. Most of that had to do with the drugs and getting rid of smoking. But a substantial contribution was made by nutrition. Lowering saturated fat in our diets and replacing it with plant oils that they're now called seed oils. If they take that step and the dietary guidelines come out next month and say that saturated fat is now good for us it is going to be just enormously disruptive. I don't think companies are going to change that much. They'll wait it out because they'll ask themselves the question, what's it going to be in two years? Because that's how long it takes them to get a product to market. Jerry, let me ask you this. You painted this picture where every once in a while, there'll be a glimmer of hope. Along comes MAHA. They're critical of the food industry and say that the diet's making us sick and therefore we should focus on different things like ultra-processed foods. In report number one, it's mentioned 40 times. Report number two comes out and it's mentioned only once for the political reasons you said. Are there any signs that lead you to be hopeful that this sort of history doesn't just keep repeating itself? Where people have good ideas, there's science that suggests you go down one road, but the food industry says, no, we're going to go down another and government obeys. Are there any signs out there that lead you to be more hopeful for the future? There are signs to be hopeful for the future. And number one, we talked earlier, is the success we had regulating tobacco. And I know you've done an outstanding job over the years drawing the parallels between what happened in tobacco and food. And there are good reasons to do that. Not the least of which is that in the 1980s, the tobacco companies bought all the big food companies and imparted on them a lot of their lessons, expertise, and playbook about how to do these things. And so that there is a tight link there. And we did succeed. We took youth smoking, which was around a 30 percent, a third, when we began work on this in the early 1990s when I was at FDA. And today it's less than 2%. It's one area with the United States leads the world in terms of what we've achieved in public health. And there's a great benefit that's going to come to that over the next generation as all of those deaths are prevented that we're not quite seeing yet. But we will. And that's regardless of what happens with vaping, which is a whole different story about nicotine. But this idea success and tobacco. The food industry has a tobacco playbook about how to addict so many people and make so much money and use their political power. We have a playbook of how to win the public health fight. So, tell us about that. What you're saying is music to my ears and I'm a big believer in exactly what you're saying. So, what is it? What does that playbook look like and what did we learn from the tobacco experience that you think could apply into the food area? There are a couple of areas. One is going to be leadership and we'll have to come back to that. Because the reason we succeeded in tobacco was the good fortune of having a David Kessler at FDA and Al Gore as Vice President. Nothing was, became more important to them than winning this fight against a big tobacco. Al Gore because his sister died at a young age of smoking. And David Kessler became convinced that this was the most important thing for public health that he could do. And keep in mind, when he came to FDA, it was the furthest thing from his mind. So, one of it is getting these kinds of leaders. Did does RFK Jr. and Marty McCarey match up to Al Gore? And we'll see. But the early signs aren't that great. But we'll see. There's still plenty of time for them to do this and get it right. The other thing is having a good strategy and policy about how to do it. And here, with tobacco, it was a complete stretch, right? There was no where did the FDA get authority over tobacco? And indeed, we eventually needed the Congress to reaffirm that authority to have the success we did. As we talked earlier, there's no question FDA was created to make sure processed food and the additives and processed food don't make us sick. So, it is the core reason the agency exists is to make sure that if there's a thing called ultra-processed food, man-made food, that is fine, but we have to thrive when we eat it. We certainly can't be made sick when we eat it. Now, David Kessler, I mentioned, he's put forward a petition, a citizens' petition to FDA. Careful work by him, he put months of effort into this, and he wrote basically a detailed roadmap for RFK and his team to use if they want to regulate ultra-processed stuff food. And I think we've gotten some, initially good feedback from the MAHA RFK people that they're interested in this petition and may take action on it. So, the basic thrust of the Kessler petition from my understanding is that we need to reconsider what's considered Generally Recognized as Safe. And that these ultra-processed foods may not be considered safe any longer because they produce all this disease down the road. And if MAHA responds positively initially to the concept, that's great. And maybe that'll have legs, and something will actually happen. But is there any reason to believe the industry won't just come in and quash this like they have other things? This idea of starting with a petition in the agency, beginning an investigation and using its authority is the blueprint we used with tobacco. There was a petition we responded, we said, gee, you raised some good points. There are other things we put forward. And so, what we hope to see here with the Kessler petition is that the FDA would put out what's called an advanced notice of a proposed rulemaking with the petition. This moves it from just being a petition to something the agency is saying, we're taking this seriously. We're putting it on the record ourselves and we want industry and others now to start weighing in. Now here's the thing, you have this category of ultra-processed food that because of the North Star I talked about before, because the industry, the marketplace has failed and gives them no incentive to make sure that we thrive, that keeps us from getting sick. They've just forgotten about that and put in place profits instead. The question is how do you get at ultra-processed food? What's the way to do it? How do you start holding the industry accountable? Now what RFK and the MAHA people started with was synthetic color additives. That wasn't what I would pick but, it wasn't a terrible choice. Because if you talk to Carlos Monteiro who coined the phrase ultra-processed food, and you ask him, what is an ultra-processed food, many people say it's this industrial creation. You can't find the ingredients in your kitchen. He agrees with all that, but he thinks the thing that really sets ultra-processed food, the harmful food, is the cosmetics that make them edible when they otherwise won't I've seen inside the plants where they make the old fashioned minimally processed food versus today's ultra-processed. In the minimally processed plants, I recognize the ingredients as food. In today's plants, you don't recognize anything. There are powders, there's sludges, there's nothing that you would really recognize as food going into it. And to make that edible, they use the cosmetics and colors as a key piece of that. But here's the problem. It doesn't matter if the color is synthetic or natural. And a fruit loop made with natural colors is just as bad for you as one made with synthetics. And indeed, it's been alarming that the agency has fast tracked these natural colors and as replacements because, cyanide is natural. We don't want to use that. And the whole approach has been off and it like how is this going to get us there? How is this focus on color additives going to get us there. And it won't. Yeah, I agree. I agree with your interpretation of that. But the thing with Kessler you got part of it right but the main thing he did is say you don't have to really define ultra-processed food, which is another industry ploy to delay action. Let's focus on the thing that's making us sick today. And that's the refined carbohydrates. The refined grains in food. That's what's most closely linked to the obesity, the diabetes we're seeing today. Now in the 1980s, the FDA granted, let's set aside sugar and white flour, for example, but they approved a whole slew of additives that the companies came forward with to see what we can add to the white flour and sugar to make it shelf stable, to meet all the taste, cost, and convenience considerations we have. And profit-making considerations we have. Back then, heart disease was the driving health problem. And so, it was easy to overlook why you didn't think that the these additives were really harmful. That then you could conclude whether Generally Recognized as Safe, which is what the agency did back then. What Kessler is saying is that what he's laid out in his petition is self-executing. It's not something that the agency grants that this is GRAS or not GRAS. They were just saying things that have historical safe use that scientists generally recognize it as safe. It's not something the agency decides. It's the universe of all of us scientists generally accept. And it's true in the '80s when we didn't face the obesity and diabetes epidemic, people didn't really focus on the refined carbohydrates. But if you look at today's food environment. And I hope you agree with this, that what is the leading driver in the food environment about what is it about ultra-processed food that's making us so sick? It's these refined grains and the way they're used in our food. And so, if the agency takes up the Kessler petition and starts acting on it, they don't have to change the designation. Maybe at some point they have to say some of these additives are no longer GRAS. But what Kessler's saying is by default, they're no longer GRAS because if you ask the scientists today, can we have this level of refined grains? And they'd say, no, that's just not Generally Recognized as Safe. So, he's pointing out that status, they no longer hold that status. And if the agency would recognize that publicly and the burden shifts where Wiley really always meant it to be, on the industry to prove that there are foods or things that we would thrive on, but that wouldn't make us sick. And so that's the key point that you go back to when you said, and you're exactly right that if you let the industry use their political power to just ignore health altogether and substitute profits, then you're right. Their sort of fiduciary responsibility is just to maximize profits and they can ignore health. If you say you can maximize profits, of course you're a capitalist business, but one of the tests you have to clear is you have to prove to us that people can thrive when they eat that. Thrive as the standard, might require some congressional amplification because it's not in the statute. But what is in the statute is the food can't make you sick. If scientists would generally recognize, would say, if you eat this diet as they intend, if you eat this snack food, there's these ready to heat meals as they intend, you're going to get diabetes and obesity. If scientists generally believe that, then you can't sell that. That's just against the law and the agency needs them to enforce the law. Bio:   Jerold Mande is CEO of Nourish Science; Adjunct Professor of Nutrition, Harvard T.H. Chan School of Public Health; and a Non-Resident Senior Fellow, Tisch College of Civic Life, Tufts University. Professor Mande has a wealth of expertise and experience in national public health and food policy. He served in senior policymaking positions for three presidents at USDA, FDA, and OSHA helping lead landmark public health initiatives. In 2009, he was appointed by President Obama as USDA Deputy Under Secretary for Food Safety. In 2011, he moved to USDA's Food, Nutrition, and Consumer Services, where he spent six years working to improve the health outcomes of the nation's $100 billion investment in 15 nutrition programs. During President Clinton's administration, Mr. Mande was Senior Advisor to the FDA commissioner where he helped shape national policy on nutrition, food safety, and tobacco. He also served on the White House staff as a health policy advisor and was Deputy Assistant Secretary for Occupational Health at the Department of Labor. During the George H.W. Bush administration he led the graphic design of the iconic Nutrition Facts label at FDA, for which he received the Presidential Design Award. Mr. Mande began his career as a legislative assistant for Al Gore in the U.S. House and Senate, managing Gore's health and environment agenda, and helping Gore write the nation's organ donation and transplantation laws.  Mande earned a Master of Public Health from the University of North Carolina at Chapel Hill and a Bachelor of Science in nutritional science from the University of Connecticut. Prior to his current academic appointments, he served on the faculty at the Tufts, Friedman School of Nutrition Science and Policy, and Yale School of Medicine.

Keller, Martina www.deutschlandfunk.de, Tag für Tag

On The Space Show for Wednesday, 19 November 2025: New Glenn (NG-2) Launches ESCAPADEThe launch of the twin ESCAPADE Blue and ESCAPADE Gold spacecraft towards Mars by the second New Glenn rocket. (Inserts courtesy GSFC, Blue Origin) Turn Back TimeThe bittersweet story of Venera 2, Venera 3 and Cosmos 96. Shenzhou updateThe Shenzhou 20 crew lands in Shenzhou 21, leaving the Shenzhou 21 crew awaiting the launch of Shenzhou 22 on November 25. Kessler Syndrome — Part Two:Tracking small debris; Kessler will start from smaller rather than larger objects; new detection techniques; policy issues; and the need for regulation. (Courtesy AGU) SpIRIT update:Melbourne University's SpIRIT satellite has completed its technology tests and is now collecting scientific gamma ray observations. Planet Earth — Episode 73: Sentinel B

Poslovila se je legendarna italijanska pevka Ornella Vanoni. V več kot 70 letih kariere je postregla s 40 studijskimi albumi. Umrli sta slavni dvojčici Kessler, nemški televizijski zvezdnici – plesalki, pevki in igralki, storili sta tako imenovani asistiran samomor. V kolektivni spomin sta prodrli tudi s pesmijo La notte è piccola. V italijanskih deželah Benečija, Kampanija in Apulija potekajo deželne volitve, na katerih volijo deželne parlamente in predsednike dežel, gre pa za zadnji volilni preizkus v letošnjem letu za desno vlado premierke Giorgie Meloni. Težave italijanske nogometne reprezentance. Azzurri, štirikratni svetovni prvaki, so se znašli pred zahtevnim izzivom, saj jim grozi, da se ne bodo znašli med 48 državami udeleženkami svetovnega prvenstva prihodnje leto. Zapleti z italijansko pašto. Italijanski minister za kmetijstvo poziva k preiskavi prodaje omake za carbonaro v trgovini v stavbi Evropskega parlamenta. Zakaj gre?

Nagel, Eckhard www.deutschlandfunkkultur.de, Fazit

Pablo Cano canta a su padre, Carlos Cano. Rosalía Sánchez, corresponsal en Berlín, habla de la muerte de las gemelas Kessler, que a sus 87 años han recurrido a la eutanasia juntas. Fernando de Haro nos traslada hasta Líbano a través de su último documental: 'Líbano desarmado'

In questo episodio vi raccontiamo la storia di due gemelle che hanno fatto la storia delle televisione italiana: Alice e Ellen Kessler, conosciute come le gemelle Kessler.Vuoi migliorare il tuo italiano? I nostri corsi di gruppo e individuali ti aspettano!Scrivici a info@stivaleitaliano.comDai un'occhiata agli ebook di caffèscuola. Inserisci il codice STIVALE20 per ricevere il 20% di sconto. ⁠www.caffèscuola.com⁠

Nuovo appuntamento con il sabato di «Giorno per giorno»: l'editorialista torna sugli argomenti di cui ha scritto durante la settimana nella sua rubrica «Il Caffè», integrandoli con i commenti nel frattempo ricevuti dai lettori.I link di corriere.it:Garofani, accusato del piano contro Meloni: «Amareggiato perché erano chiacchiere tra amici. Il presidente Mattarella mi ha rassicurato»I partecipanti alla cena dei romanisti, dove nessuno ha sentito le parole di Garofani: «La spia? Non sono io». «Il mio udito è scarso...»Le gemelle Kessler non saranno sepolte insieme: in Baviera è vietato mischiare le ceneri

Die Kessler-Zwillinge, die leider diese Woche aus dem Leben schieden, waren eine der seltenen deutschen Erfolgsgeschichten im internationalen Showgeschäft. Die beiden blonden Tänzerinnen sind eigentlich der erfolgreichste deutschen "Weltexport" nach dem Zweiten Weltkrieg. Unsere Kollegin Barbara Barkhausen hat als junge Journalistin die Kessler Zwillinge persönlich kennengelernt.

Have you ever wondered why some people always seem to get the best opportunities — the ideal job, the perfect house, or even a place for the kids in the school everyone wants — while others, just as qualified, miss out?It's tempting to call it luck. But what if luck isn't random at all — what if it's designed?My guest today, Judd Kessler, is a professor at the Wharton School of the University of Pennsylvania and one of the leading thinkers in behavioural economics and market design. His new book, Lucky by Design: The Hidden Economics You Need To Get More of What You Want, reveals the invisible systems that quietly decide who gets what — not through prices or money, but through rules, algorithms, and priorities we rarely think about.In this conversation, we'll explore how these hidden markets shape everything from job offers to organ donations, why fairness and efficiency don't always go hand in hand, and what you can do to navigate these systems more wisely.It's a conversation about luck, design, and the unseen forces organising our lives.Links:Book- Lucky by Design: The Hidden Economics You Need To Get More of What You WantJudd's website - https://juddbkessler.com/Question or comment? Send us a text message.www.undercurrentstories.com

In this episode of The FasterFreedom Show, Sam and Lucas dig into one of the most overlooked trends in today's housing landscape—why right now might quietly be the best opportunity small-time real estate investors have had in years. They break down the drop in competition from Wall Street buyers and large hedge funds, the shift toward more balanced inventory, and how nimble investors can capitalize while the “big money” sits on the sidelines.Then the guys zoom out to talk about a streak of wild new sports records—from marathon times being shattered to MLB pitching stats that don't even look real. They dig into what's fueling this new wave of athletic performance and which records might be next to fall.They also share a quick recap of a bizarre headline out of Germany involving the Kessler twins—just enough details to keep you entertained without going off the rails.Finally, the episode wraps with a look at portable mortgages and why this emerging concept is gaining attention. Sam and Lucas break down how portability works, why it could reshape affordability, and what it might mean for both homeowners and investors if the idea gains traction in the U.S.From today's investor edge to unbelievable sports feats to the future of mortgage flexibility, this episode blends strategy, curiosity, and the straight-shooting real estate talk you've come to expect from the show.FasterFreedom Capital Connection: ⁠https://fasterfreedomcapital.com⁠Free Rental Investment Training: ⁠https://freerentalwebinar.com⁠

NBA Tip-Off, 5-8 Jazz, Kessler Contract Year + more

Radio International - The Ultimate Eurovision Experience is broadcast from Malta's Radio 105FM on Tuesday evenings from 2100 - 0059 hours CET. The show is broadcast live on Wednesday evenings from 1900 - 2300 hours CET on the Eurovision Radio International Mixcloud Channel as well as on the Facebook Page of Eurovision Radio International with an interactive chatroom.         AT A GLANCE - ON THE SHOW THIS WEEK  The Eurovision Song Contest 2026 National Final Season Tribute to the Kessler Twins (Germany 1959)  The Junior Eurovision Song Contest 2025 - Review and Preview Eurovision Spotlight: Austria's History at the Eurovision Song Contest  with Ross Bennett Eurovision News with Nick van Lith from www.escXtra.com Eurovision Birthday File with David Mann Eurovision Cover Spot with David Mann Eurovision Calendar with Javier Leal  National Final Update for Junior and Eurovision Song Contest with Alain Forotti  New Music Releases by Eurovision Artists  Your music requests    Alice and Ellen Kessler (Germany 1959)  at OGAE Germany Convention 2015 Tribute to The Kessler Twins (Germany 1959): The Eurovision Community received sad news on the passing away of Alice and Ellen Kessler also known as the Kessler Sisters or the Kessler Twins, at the age of 89 in Munich, Germany on 17 Nov 2025. The Kessler Twins represented Germany at the Eurovision Song Contest 1959 with the song "Heute abend wollen wir tanzen gehen" which came 9th. As a tribute, Radio International will rebroadcast the interview that JP and Eric did with the twins at the OGAE Germany Convention in January 2015 in Munich.  The Junior Eurovision Song Contest 2025: The 23rd edition of the Junior Eurovision Song Contest will be held on Saturday 13 Dec 2025 from the Olympic Palace in Tblisi in Georgia with young artists from 18 countries taking part. In the running order: Malta, Azerbaijan, Croatia, San Marino, Armenia, Ukraine, Ireland, The Netherlands, Poland, North Macedonia, Montenegro, Italy, Portugal, Spain, Georgia, Cyprus, France and Albania.  Returning countries are Azerbaijan, Croatia and Montenegro while Estonia and Germany are taking a break. The Hosts of the show are David Aladashvili and Liza Tsiklauri. The show starts at 1700 hours CET. Last year's Winner was Georgia's Andria Putkaradze who won with the song "To my mom".  Radio International will be introducing the songs to the listeners over the next weeks until the week on the Junior Eurovision Song Contest 2025. But also there will some highlights from past editions of the Junior Eurovision Song Contest.    The Home Composed Song Contest 2025 - The Grand Final Results Show on 29 Nov 2025: The annual music competition for non-professional musicians takes place again and is already in full swing. The public and jury have the opportunity to cast their votes as well. Visit the website of the Home Composed Song Contest 2025 - click here The Home Composed Song Contest is in its 34th year, this is a competition for Eurovision fans who write, perform and produce their own music, who enter their own original song composition (audio only) and then also take part as a jury, to help choose the winning song. This year there are 24 songs from 12 different countries, and you can listen to the songs, and read the lyrics and bios on the official website - click here The Radio International Team once again forms one Jury and you will be able to hear the songs also on thre next three edition sof Radio International. Well done to all participants and may the best entry win. Last week Radio International introduced the first eight of the 24 songs of the Home Composed Song Contest 2025. This week listen to the third and final segment of eight songs from the contest. The results will be published on 29 Nov 2025 during the Grand Final Show on the contests YouTube Channel. Click here to watch the Grand Final. The time of the show will be communicated here nearer the date.         The Eurovision Spotlight - The history of Austria at the Eurovision Song Contest:  It is Autumn 2025 it also time for the traditional look at the next host country's Eurovision Song Contest entries. JJ won Eurovision 2025 and with that Austria will host the Eurovision Song Contest 2026 in the Wiener Stadthalle on 12 and 14 May 2026 for the two Semi Finals and the Grand Finale to take place on Saturday, 16 May 2026. Over the next weeks and before the National Final Season for 2026, Radio International's team members will be reviewing all the Eurovision entries from Austria. Ross Bennett will be continuing series of the Eurovision Spotlight looking at the history of Austria at the Eurovision Song Contest.   Eurovision News, New Song Releases, Birthday File, Coverspot, Eurovision Calendar:Also JP will be joined by David Mann for the Eurovision Birthday File and Eurovision Coverspot.  Javier stands in for Nick and will be presenting the Eurovision News courtesy of escXtra.com. There will be a lot of the great new releases of Eurovision artists on the show as well as great Eurovision Classics. Javier will be updating us on the upcoming Eurovision events in the Eurovision Calendar and Alain Forotti gives us already some updates of the National Finals regarding the Junior Eurovision Song Contest 2025 and the Eurovision Song Contest 2026 and and....   For full details of this week's Show Content and Play List - click here

Lets gooooooo!!!!!

Congress has taken a major step to release the Jeffrey Epstein files. President Donald Trump got into a tense exchange with the media during the Saudi crown prince's White House visit. Republicans are dealing with a major setback in the redistricting wars. Federal investigators released new details about last year's bridge collapse in Baltimore. Plus, the untimely death of an entertainment duo. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Puntata con Nicola in diretta da Roma. Addio alle gemelle Kessler, l'aneddoto sulla loro ospitata a Mediaset. Ospite in studio Manuel Agnelli.

Entrarono nelle case degli italiani degli anni '60 e '70 turbandone i sonni e i sogni con le loro lunghe gambe scoperte, ieri le gemelle Kessler se ne sono andate via insieme e oggi cerchiamo di capire quanto siano rimaste nella nostra memoria.

Aus Anlass des Todes der Kessler-Zwillinge wiederholen wir ein Gespräch von 2013: Alice und Ellen Kesser erinnern sich bei Stefan Parrisius an Weltbühnen, ihre schwere Kindheit und ihren unzertrennlichen gemeinsamen Lebensweg.

Die international bekannten Zwillinge und Bühnenstars Alice und Ellen Kessler sind im Alter von 89 Jahren gestorben - gemeinsam nach einem zusammen verbrachten Leben in der Entertainmentindustrie. Wir blicken zurück auf ihr Leben und auf ihren Tod.

Today's episode of The Mettleset Podcast is brought to you by New Balance

Addio alle gemelle Kessler, insieme e rivoluzionarie fino all'ultimo momento. Condannata a morte l'ex premier del Bangladesh Sheikh Hasina. Un disegno di legge per vietare la cosiddetta “propaganda LGBT” nel parlamento del Kazakistan consoliderebbe lo stigma e violerebbe gli obblighi internazionali in materia di diritti umani.https://www.radiobullets.com/notiziari/18-novembre-2025-notiziarie-donne-lgbtqia-podcast-mondo/

Oggi I TRE TENORI hanno ricordato Alice ed Ellen Kessler, conosciute come Le gemelle Kessler, notissime cantanti, attrici e personaggi televisivi che ieri ci hanno lasciato all'età di 89 anni.Ascolta il podcast

E dopo l'addio alle Kessler, Mario Ajello traduce in politica il compleanno molto particolare di Carlo Verdone mentre Gloria Satta ci spiega perché l'attore e regista romano è sempre più l'erede naturale di Alberto Sordi, Cosa faranno i tre grandi governatori, Zaia, De Luca e Miliano dopo essere diventati ex? E' questa l'analisi di oggi di Andrea Bulleri, quindi la cronaca con l'inviata Camilla Mozzetti e il colpo grosso alla Louis Vuitton di Roma, e chiudiamo con lo sport e con un'ampia pagina dedicata al tennis, prima con Massimo Boccucci e la ricaduta della vittoria di Sinner, quindi con l'interessante analisi di Guglielmo Nappi sulle prossime mosse del campione italiano nel 2026

L'Italia al fianco di Kiev: "pieno sostegno". Learn more about your ad choices. Visit megaphone.fm/adchoices

Chiara Maffioletti racconta la morte delle due sorelle più famose della televisione italiana, che con ogni probabilità hanno scelto di togliersi la vita insieme, a 89 anni. Viviana Mazza parla delle ragioni geopolitiche del viaggio negli Stati Uniti del principe saudita. Gaia Piccardi ripercorre l'anno vissuto intensamente dal fuoriclasse azzurro e chiuso trionfalmente con la vittoria alle Atp Finals di tennis a Torino.I link di corriere.it:L'intervista in cui Ellen e Alice Kessler dissero: «Vorremmo morire lo stesso giorno»Vali Nasr: «Gli accordi di Abramo? A Riad non bastano gli F-35 E con l'Iran non è finita»Sinner ringrazia Alcaraz dopo una stagione da ricordare: «Mi servi. Stasera non è stato solo tennis, siamo atleti che hanno bisogno di persone vicine»

Executive Director of the Newport Opera House Association, Laura Kessler is here as we talk about the Glenn Miller Orchestra returning to the Opera House stage on Sunday November 23rd.  This will be the 3rd year in a row they have come to Newport.  We talk about the history of Glenn Miller, how his music is timeless, what one would expect, dancing is encouraged, and more.  Plus we discuss Laura's history, the Newport Opera House Association, and more.

Il Presidente ucraino Zelensky si trova a Parigi, dove ha sottoscritto una "storica intesa" con il Presidente della Repubblica Macron sulla difesa aerea. Facciamo il punto insieme a Marco Di Liddo, Direttore del Centro Studi Internazionali. È stata una giornata complessa per il Friuli-Venezia Giulia, fortemente colpito dal maltempo. Ci facciamo aggiornare da Riccardo Riccardi, Vicepresidente della Regione Friuli-Venezia Giulia e Assessore regionale alla salute, politiche sociali e disabilità delegato alla Protezione civile e Rodolfo Ziberna, sindaco di Gorizia.Grave incidente a Milano, muore un diciannovenne. Alla guida un ragazzo senza patente. Ci racconta tutto Massimiliano Melley, giornalista di MilanoToday. Addio alle gemelle Kessler. Un nostro ricordo insieme a Giorgio Simonelli, critico televisivo e docente di teorie e tecniche del linguaggio giornalistico alla Cattolica di Milano.

Die Künstlerinnen Alice und Ellen Kessler standen für eine elegante Mischung aus akrobatischem Showtanz und erotischem Flirren. Sie brachten einen Hauch von Welt in die Wohnzimmer der 1960er-Jahre. Nun sind die Zwillinge gemeinsam gestorben. Claus, Peter www.deutschlandfunkkultur.de, Fazit

What if you could find a strategy for gaming the systems all around to work more in your favor? If you did, then things like coveted restaurant reservations, scarce concert tickets, landing the dream job, or even admission to top colleges could become much more in reach. Judd Kessler is a professor of business economics and public policy at the Wharton School and the author of Lucky by Design: The Hidden Economics You Need to Get More of What You Want. The book acts as a guide for not only participants in the everyday markets that shape our lives, but also the designers of those markets. Judd and Greg discuss the hidden markets that dictate restaurant reservations, concert tickets, college admissions, and even dating. They explore different market design strategies like allocation mechanisms, centralized clearinghouses, and signaling.*unSILOed Podcast is produced by University FM.*Episode Quotes:Why some markets don't play by price rules03:51: So many of the markets that we play in do not resolve themselves with the price rising. Either the price stays low because the seller wants it that way, and there's going to be excess demand—more people that want the thing than there are units available at that price—or we have decided as a society that we're not going to use prices to do the allocations, that it would be fundamentally unfair, or it would be fundamentally inefficient because we don't think your willingness to pay truly captures how much you value it.How market participants get ahead by knowing the rules01:33: When you are a market participant, you can do better by understanding the market rules and thinking about how to play in them.The three E's of a good market13:59: A good market will achieve the three E's: efficiency, equity, and being easy for market participants. And so what you've just tapped into is efficiency. And that's what makes this subfield of economics interesting, that there is no mechanism that satisfies all three of those perfectly all the time.Show Links:Recommended Resources:LabubuBetter Online Tickets Sales ActAlvin E. RothNational Resident Matching ProgramAmerican Economic AssociationDonald Mackenzie | unSILOedGuest Profile:Faculty Profile at Wharton School of BusinessProfessional WebsiteLinkedIn ProfileX Profile Guest Work:Lucky by Design: The Hidden Economics You Need to Get More of What You Want Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this message, Pastor Justin Kessler teaches from Acts 2:42–47 about what it truly means to be the Church. Looking at the example of the early believers, he unpacks how God calls us to live with devotion, generosity, community, and purpose.Through practical stories and challenges, Pastor Justin reminds students that following Jesus isn't about attending a service—it's about living out your faith daily through worship, prayer, fellowship, and serving others.

The former Utah Jazz Assistant Coach on the Utah Jazz & the NBA, How important is Walker Kessler to the future of the Jazz (?), Nico Harrison fired by the Mavs + more

The Utah Jazz ended the night with a tough loss to the Detroit Pistons without Walker Kessler!Follow me on Bluesky here: https://bsky.app/profile/hoopsnerd.bsky.socialFollow me on Twitter here: https://twitter.com/hansenjamesFollow me on Instagram here: https://www.instagram.com/hoopsnerdnba/#utahjazz #detroitpistons #nba

Eric Frandsen and Jason Walker preview Utah State vs Nevada after both teams had an off week. Comments from Bronco Mendenhall about Nevada, their defense and their offense. Bonus audio: Utah Jazz lose Walker Kessler for the rest of the year. How does that affect their rotations? Keyonte George is developing as a true playmaker for Utah. Utah State adds Troy to their 2026 non-conference schedule.

Do you ever feel overwhelmed by the intense sadness and pain in our world? How do you navigate heartbreak and disappointment without losing hopel? Join Kari as she talks to Bryson Kessler, who recently lost her sister, about what it means to fight the good fight and fix your eyes on heaven. Ep. 99  Show Notes:o Find Bryson on Instagram at Clover and Bee and Honey for Your Hearto Beth's Playlist o  Kari's New Book for Moms Is Your Daughter Ready?o  Kari's New Devo for Teen & College Girls: Yours, Not Hers: 40 Devotions to Stop Comparisons and Love Your Lifeo  Join Kari on Substack, Instagram, or Facebook; Sign Up for Kari's email listo  Kari's Books: Love Her Well, More Than a Mom, 10 Ultimate Truths Girls Should Know and Liked: Whose Approval Are You Living For? 

In today's episode with special guest Ari Gerzon-Kessler, Lindsay discusses the topic of relational family engagement as it relates to parents, students, and educators.     Liked this episode? Rate, review, and share!   Get In Touch With Ari Gerzon-Kessler: Website: www.sameteamconsulting.org LinkedIn: https://www.linkedin.com/in/arigerzon-kessler/ Email: arigerzon@gmail.com Book: https://www.amazon.com/Same-Team-Underrepresented-opportunity-achievement/dp/1958590010/?_encoding=UTF8&pd_rd_w=8egM8&content-id=amzn1.sym.9071a05a-ab8a-4eb5-82ca-461a3b81eab8%3Aamzn1.symc.a68f4ca3-28dc-4388-a2cf-24672c480d8f&pf_rd_p=9071a05a-ab8a-4eb5-82ca-461a3b81eab8&pf_rd_r=DJVF1HV92PPSA3WB88HG&pd_rd_wg=KPRCi&pd_rd_r=a0c1b955-acdd-4362-9dce-a778750016e4&ref_=pd_hp_d_atf_ci_mcx_mr_ca_hp_atf_d   Get Your Episode Freebie & More Resources On My Website: https://www.lindsaybethlyons.com/blog/235   Lindsay's Links: LinkedIn: @lindsaybethlyons  Instagram: @lindsaybethlyons Facebook Group: Time for Teachership

In this episode of Together In Literacy, we dig into spelling to get at the deeper concepts that interventionists need to know. Spelling is often where our students' struggles show up the most. It's where gaps in phonology, orthography, and morphology all converge. Today we're sharing five deeper truths about spelling instruction that will strengthen your teaching and, more importantly, your students' progress. Join us as we go beyond the basics. Resources mentioned in this episode: Dr. Louisa Moats quote on spelling 4.7 The Power of Observation: What, When, and How Pollo, T. C., Kessler, B., & Treiman, R. (2009). Statistical patterns in children's early writing. Journal of experimental child psychology Ehri, L.C. (2014). Orthographic mapping in the acquisition of word reading, spelling memory, and vocabulary learning. Scientific Studies of Reading Kilpatrick, D.A. (2015). Assessing, preventing, and overcoming reading difficulties. Hoboken, NJ: John Wiley & Sons. Gallistel-Ellis Test of Coding Skills (GE Test) Words Their Way spelling assessment Barnell Loft spelling assessment Neuhaus assessment We officially have merch! Show your love for the Together in Literacy podcast! If you like this episode, please take a few minutes to rate, review, and subscribe. Your support and encouragement are so appreciated! Have a question you'd like us to cover in a future episode of Together in Literacy? Email us at support@togetherinliteracy.com! If you'd like more from Together in Literacy, you can check out our website, Together in Literacy, or follow us on Facebook and Instagram. For more from Emily, check out The Literacy Nest. For more from Casey, check out The Dyslexia Classroom. Let us know what you want to hear this season! Thank you for listening and joining us in this exciting and educational journey into dyslexia as we come together in literacy!

Special Patreon Release: Teaching our Children about Finances with Markie Castle   1 Timothy 6:6-10 (NIV) "But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."   *Transcription Below*   Markie Castle is a wife of 41 years, mother of 3 and is blessed with 7 grandchildren. After teaching at ICC for 20 years, she retired to help take care of all those blessings! Her husband Bob and she have been living in Peoria and attending Bethany Baptist Church for 24 years.  She has been coaching on finances and families for over 30 years.   Questions and Topics We Discuss: What is one key to managing our personal relationship with finances? What have been the most unexpected benefits of coaching your sons on wise financial stewardship? How did you teach your children to allocate percentages their money?   Thank You to Our Sponsors: WinShape Marriage   Connect with The Savvy Sauce on Facebook, Instagram or Our Website   Gospel Scripture: (all NIV)   Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”   Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”   Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”   Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”   John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”   Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:09)   Laura Dugger: (0:10 - 1:20) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.   I'm thrilled to introduce you to our sponsor, WinShape Marriage. Their weekend marriage retreats will strengthen your marriage while you enjoy the gorgeous setting, delicious food, and quality time with your spouse. To find out more, visit them online at winshapemarriage.org/savvy.   I first met Markie Castle through a local mom's group that was gathering at a church, and she was the speaker.   I was drawn to her sense of humor, her storytelling, and her wise practices. Her practical applications that she's going to explain near the end of this episode are practices that my husband Mark and I plan to implement beginning today. I'm so excited to share all of that with each of us listening now.   Here's our chat. Welcome to The Savvy Sauce, Markie.   Markie Castle: (1:21 - 1:22) It's a pleasure to be here.   Laura Dugger: (1:22 - 1:34) Well, will you just start us off by sharing more about your family and, specifically, the parenting piece that you say you got right by intentionally focusing on it?   Markie Castle: (1:35 - 4:13) I'd love to. I am incredibly blessed to be married to my husband, Bob, and we had three children that blessed us with wonderful wives and grandchildren. My husband and I started our marriage with him in school and me on a beginning teaching salary.   Today's dollars, it would be worth about $38,000. The two of us were living on $38,000 a year with him in school at the U of I and paying significant tuition. We were paying the tuition as well as supporting ourselves on that salary.   We were blessed to have a son three years later and then another son two years after that. My husband was holding a two-year-old and a two-week-old in his cap and gown. I remember showing our three sons' pictures of us saying, don't do this.   We supported ourselves entirely. We also did not see that we were in dire straits. We made my salary work by living in small apartments.   With one landlord, we made an agreement with him that we would do extra work around the property for a deduction in rent. We just made it work. We never saw any of this as a negative.   We also did not see that putting purchases on a credit card that we could not pay off at the end of the month as an option. We were happy where we were at and we loved it. My husband got a job and we moved out of the area.   We were at the time in Champaign-Urbana area. We moved to the Peoria area. We had a third son, which gave us three children in four years.   We still saw the need to keep our budget under control. Our meals were determined by what was on sale, what we had coupons for. Clothes were only bought on sale or from consignment shops.   Again, we never saw credit card debt as an option. If we didn't have the money, we didn't buy it. We wanted to raise our children to have a respect for money and to have an awareness of contentment.   We also wanted to have them experience the joy of having money to give away. This is what helped us. This is how we felt and we wanted to share that with our sons.   Laura Dugger: (4:14 - 4:37) I love that and I can just imagine all of the character building that comes out of really seeking to be wise stewards of what the Lord's entrusted to you. I'm wondering if you had some guiding scriptures on this topic of finances that really gave you insight into godly wisdom rather than the worldly kind.   Markie Castle: (4:38 - 9:05) As we know, besides love, money is written more in the Bible than anything else. It is so wise to go to the Bible for this. Luke 14:28 is such a good verse for a base.   It says, “Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it?” This is stating that we should budget our money and plan before we build a tower or buy a car or even buy a new blouse that you may want.   Another verse, 1Timothy 6:6-10 speaks to another extremely important part of leading a God-centered life, being content. It states, “But godliness with contentment is great gain for we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is the root of all kinds of evil. Some people eager for money have wandered from the faith and pierced themselves with many griefs.”   It reminds us of where our minds should be. We have heard many talks on finances, budgeting, etc. Very little time, if any, is spent on being content.   Even in the Christian financial counseling speakers, they do not spend time on this. Not only is it scriptural, it is something that makes budgeting and spending so much easier. If you are content, you don't feel that need to spend and let alone overspend.   It just makes budgeting so much easier. Matthew 6:24 is very blunt to the point. It says, “No one can serve two masters. Either you will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”   It's not just what you have in your bank account. It's are we serving the Lord or are we serving money by needing a bigger house or whatever. Serving money over God can mean so many things. It can mean making secret purchases that you are hiding from your spouse.   I had a friend who used to have her sister buy her shoes that she wanted. And then she would bring them into the house without her husband knowing. But she had her sister buy it so her husband didn't see it on the credit card.   Or it can mean buying a brand-new car you can't afford and you go into debt for it. There is scripture that addresses this also in Romans 13:8 states, “Owe no one anything except to love each other.” And Proverbs 22:7 states, “The borrower is the slave of the lender.”   This is not to say a person should never have a loan. We needed a loan for our house. It was a smart move because we would have just paid rent forever.   But we needed a house and at the time we didn't have money for a house. Especially since my husband just got out of school. But when we were going looking at houses, the realtor said, “But you can afford this.”   And it was a much bigger house than we needed. And we said, “No, we don't need this.” “Yes, but you can get this.”   “Yes, I know, but this one's just fine.” We bought a house that we were able to pay off quickly. And we were very happy with it.   Laura Dugger: (9:07 - 9:30) I love hearing how you've applied scripture to your own lives, because really the ones that you shared, those are so practical and actionable. And we didn't even scratch the surface of all, like you said, that the Bible has to speak about money. But if you kind of had to boil it down, what would you say is one key to managing our personal relationship with finances?   Markie Castle: (9:30 - 13:58) I truly, truly believe that being content is truly key. It's so easy to become frustrated and discouraged with what you have. And many, many people watch HGTV.   And I personally love it. There are times that I cannot watch HGTV because I start wanting this or wanting that. When I watch it, it makes me start thinking if I only had a bigger kitchen or buying new furniture would transform this room.   All of these things can distract us into thinking about all the things I don't have, rather than seeing the things I do have. It can be a very dark road. But there's ways of overcoming that too.   I love for people to write down things that you do have, especially the important things like your family, your friends, your church community. Those are the things that are far more important than a bigger kitchen. I know for me, our house, when I moved into our house, I didn't even see our house when we purchased it because we thought we'd only be here three to four years max.   So, I figured three to four years, I don't need to see a house. I wanted it in a certain area and I needed four bedrooms for all of us. And that was about it.   Well, I knew I'd be here three to four years. And I think we're coming up to 25 years in August of being here. God had other plans for us.   And that was it. The kitchen is not what I would have chosen. It's rather small.   And do you know when I get most frustrated is when our family is over and we have 20 people and they're all in the kitchen. And I've got all these grandkids running around getting in the way. And I get frustrated over the smaller kitchen.   Think about it. I have my family here making memories. It's wonderful.   I'll take a small kitchen with all my family before I take a big kitchen without them. It was interesting. I taught at ICC.   And I walked into class one time and all the students were talking about how little they had, how poor they were. And I just listened to them for a while. And they were saying they didn't have any money.   And I said, “I don't mean to brag, but I am really, really wealthy.” And they looked and they said, “Really?” And I said, “Yeah, really wealthy.”   And he said, “Must be nice.” I said, “Yeah, it really is.” I said, “Do you realize that my husband and I, we have two cars?”   And they kind of looked at me and they said, “Yeah.” I said, “No, no, no, no. Do you understand that when I walk into my house, I have heat in the winter?   And, and air conditioning in the summer.” And they kind of looked at me and go, “Yeah.” And I said, “And I can go to this faucet and I can turn this handle and fresh water comes out.”   They all looked and said, “Yeah.” And I said, “That is how wealthy I am.” And they all kind of looked and they said, “We get it.”   And we are very wealthy in this country. We are very wealthy. See, having what you have could be seen as extremely wealthy in many countries.   Even when it's their norm. But with war-torn countries, it's even worse. It's just all about perspective.   Laura Dugger: (13:58 - 14:10) Well, I think you're highlighting the keys to contentment. It's all about perspective and also gratitude. How would you define stewardship?   Markie Castle: (14:11 - 14:19) I would just say it's taking great care of what God has given us and using it for his glory.   Laura Dugger: (14:19 - 14:27) Well, and what has been the most unexpected benefit of coaching your sons on wise financial stewardship?   Markie Castle: (14:28 - 17:52) That is such a great question. I would say the independence that they had as teenagers and adults. It was incredible to see how they were independent with money and other ways because of it.   Each son also married women who were financially aware. We never really talked about that. When our children got married, we had one stipulation that they married a believer for us to bless the marriage.   But it was amazing that they all married women who were financially conservative. We have never had any trouble or issues with any of our children with money. I know that some people will say, you never lend relatives money, you give it to them because you know you'll never get it back.   Well, we have lent our kids money for certain predicaments when they first started off and they started paying us back immediately. There's a lot of talk about whether you should let your children move back into your house. Now, I know people have said, “Nope, once my kids are gone, they're gone.”   And I don't think that's very loving. I think that anybody is allowed back, you know, if they need to come back and live with us, even if it's somebody in our church family, they would be welcomed. All three of our boys at some point came back to live with us for a while for different reasons.   And we actually charged them rent. And they were very good with that. In fact, they liked it because then they weren't freeloading.   Now, they didn't know it at the time, but we took their rent and put it away and kept it separately. And then when they moved out, they had a nice little sum there that they could use for a down payment for their house or for moving costs or whatever. I think it's important to watch your children grow, to give them.   And these are the things that we have seen that we didn't expect. All of our boys are very financially secure. And they only have mortgage debt, which they are all paying off quicker than what was scheduled.   And this is just a mindset. They are not suffering because they don't have the new car. In fact, our one son and his wife, they bought our old van 10 years ago, and they still have it.   They're at 195,000 miles on the car. Now, I think she wears this like a badge of honor. She's going to make it to 200,000.   They have been putting money away for a new car. They have enough money to buy a new car, but they're going to wait until they need it. And when they need it, they're going to be able to go in and say, here is the money for the car.   I don't need a loan. Those are the things that kind of surprised me.   Laura Dugger: (17:53 - 17:58) I think oftentimes there's a lot of joy when we have limits.   Markie Castle: (17:59 - 18:04) Exactly. I agree with you. It does give you joy to know that you have that freedom.   Laura Dugger: (18:06 - 18:22) Well, and we've spoken kind of about big picture, and I'd love to move in the funnel now down to actionable and practical. So, when you look back, how old were your children when you and Bob began training them on finances?   Markie Castle: (18:24 - 19:08) Truly, as soon as our children understood the meaning of money, we started. We started our oldest son when he was five years old by giving him allowance. The others started when they were four because they saw what was happening with the older child.   And I know a lot of people relate to this and they wanted to be a part of it. You know, your younger ones sometimes learn faster because of the older ones. It was important to start when they were wanting things at the stores, whether it was toys or candy at the checkout aisle, etc.   They needed an awareness that everything costs money and they couldn't have everything.   Laura Dugger: (19:09 - 19:32) Well, and I remember you coming to speak to our mom's group one time. And even if somebody is wondering, well, how do I keep this fair between children? You even had a solution for that because with your kids at the different ages, I remember you saying you started them with one dollar per year old they were per week.   So, the four-year-old only made four dollars for the five-year-old made five.   Markie Castle: (19:33 - 21:21) That's right. Well, and it's funny you say about the fairness. Even when our children, so we had three boys, they were all two years apart, so they were really involved with one another.   They were great friends. But I remember going to my husband's mom was watching our children when we ran to get something to do a few errands. And we came back with a pair of shoes that our oldest child needed.   And she looked at us and said she didn't get anything for the other boys. And I said, but they didn't need new shoes and they don't need anything. And she goes, but you can't bring something in for one child without bringing in something for the others.   And I reiterated, but they didn't need anything. And do you know what? Our boys, we never thought anything of that.   Our boys have never said, well, why didn't I get anything? And if they did, we'd say, “Well, you didn't need this or you didn't need that.” Our children never counted what the other ones have.   Now saying that when it came to the birthdays, we gave the same monetary value to all of them when it came to Christmas, when it came to things. But when it really came to that, one son needed a pair of shoes, but the others didn't. We didn't go out and get shoes for all of them.   And they just were raised with that. And to this day, they all know that it all comes out fairly in the end. You know, we don't bring home things just for one, the same child every time.   Does that make sense?   Laura Dugger: (21:21 - 21:32) Yeah, absolutely. And I appreciate that perspective. I'm also curious, were there any other memorable phrases you and your husband taught your children?   Markie Castle: (21:33 - 26:37) You know, there were many. One of the things we had said to them was we can afford anything. But we can't afford everything.   So, we would impress upon them how fortunate we were to afford things. But we certainly can't afford everything. We had friends who would never purchase soda and we did the same thing.   But they really like to travel and the kids like to travel. And so, they wouldn't buy a soda in a restaurant or buy a snack at the mall because they wanted to travel. And they would ask their kids, you know, would you rather purchase a soda or snack now or enjoy the soda or snack in Europe?   And it made the kids think. OK, so again, this is all in what you choose. I was listening to someone at a talk and actually at a moment at our church that said, “You know, what could you save if you didn't get your daily latte from Starbucks?”   And I'm thinking, OK, and his point was at six dollars per drink. You could say. And I figured this out, two thousand one hundred and eighty-four dollars per year.   After two years, you could have enough money to go to Hawaii. Now, that's great. This particular person loves to travel and he doesn't like coffee.   So, to him, it was a no brainer. But if someone doesn't like to travel. But enjoys that daily vacation of going to Starbucks.   This may be the one they would choose. So, we're all different in what we like and what we want. But.   The important thing is, is that you're not adding this to a debt that you're paying 24 percent interest because that six dollar cup of coffee is actually going to cost you much more than the six dollars. Also, I was teaching a group of nearly married couples about finances and. Someone brought up that they can't afford a date night.   I mean, after babysitting, after dinner at the restaurant, etc. they can't afford that. And babysitting nowadays is ridiculously expensive. And another couple said that they have date nights every other week.   What they do is they trade off with another couple for babysitting and they pack a dinner and go on a picnic. So, basically, their date night costs them nothing. Not being able to afford an expensive dinner for a date night.   That puts you in a mindset that you're doing without. Instead, look at what you have. You know, taking a hike.   Visiting a museum on a free day. Getting a membership to places that you could then feel like you're going for free. Walking along the river.   All of these are wonderful ways to have a date night. My husband and I would have a date night in our home. We would feed the boys their favorite chicken nuggets and macaroni and cheese.   And we put them to bed. We would then, I would get out and have tablecloth and have candlelight. And we would have a quiet adult meal by candlelight.   It was a wonderful date night. And it cost us nothing. Now, where we were, we could not afford babysitting.   And we did not have people who could babysit. We didn't have a community that we could share babysitting. We did find that as the kids got older.   And we utilized that, which was wonderful. We used to share a Friday night with a family. This is when the kids were a little older.   And we would switch with them. Every other Friday night, we would switch kids. We would take their kids for one of the Fridays.   And then two weeks later, they would take our kids. And they took them overnight. So, we had, you know, Friday evening and Saturday morning.   And it cost us nothing. And the joy of that was when we took their kids, it was a blast. Because we always planned on doing extra special things.   Because it was like one big party. It worked very well. And we were able to have free babysitting just because we exchanged.   As opposed to paying for a babysitter.   Laura Dugger: (26:38 - 29:02) And I love the creativity. How you problem solved that to still go for your date night. Because that was a value.   And I think you're empowering all of us that these options are possible. And we do have a choice in this situation. And then also the reality that we're going to operate within the reality of trade-offs.   And now a brief message from our sponsor.   Friends, I'm excited to share with you today's sponsor, WinShape Marriage. Do you feel like you need a weekend away with your spouse?   And a chance to grow in your relationship together at the same time? WinShape Marriage is a fantastic ministry that provides weekend marriage retreats to help couples grow closer together in every season and stage of life. 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To find an experience that's right for you and your spouse, head to their website, winshapemarriage.org/savvy. That's W-I-N-S-H-A-P-E marriage dot org slash savvy, S-A-V-V-Y. Thanks for your sponsorship.   And as you and Bob continued to train your children with finances, how did you see this play out with each of their different personalities?   Markie Castle: (29:04 - 32:55) Although we raised our boys within the same manner, we were blessed with three totally different children. Totally. When it came to money, one was a saver, one was a spender, and one was a minimalist.   And although they all were different, they all needed the structure of financial awareness. So, our eldest wanted to save every dime that he was given. And you know what?   He's still that way. He wants to save, save, save, save, save. Our middle child would spend every dime that he would receive.   It would not be in his pocket for more than a couple of minutes. Then our youngest child didn't care about buying anything, which was very different from the saver. He was just a minimalist.   I don't need anything. It just doesn't matter. And he is still that way.   So, our spender needed to learn the importance of budgeting and saving. They all needed to learn it, but it was extremely important for him. And he did learn.   When he was about 10 or 11, he lost some money for not doing certain chores. And he looked at us and said, the only reason you had children was to make money. My husband and I were literally speechless.   We kind of just looked at him and we didn't know what to say. And then he just looked at us after a couple of moments and he said, that's the stupidest thing I've ever said. And yep, we all had a good laugh.   He did learn to budget and it was interesting. So, when he was in high school and starting to date, he took this girl that he wound up dating for several years. And he was going to go to the movies and he was a gentleman.   He was absolutely a gentleman. And they walked into the movies and he paid for the movies because that's what you do. And then as they were walking past the concession stand, he said, “Well, do you want popcorn?”   And she said, “Oh, that'd be nice.” And he said, “Okay, well, you're going to need to get it yourself. I'm not paying those prices.”   And she was kind of, ”Okay.” Now we needed to teach him a little bit more about dating with that. But it was like he paid for the movies.   He wasn't going to pay $10 for a box of popcorn. So, he had learned the value of money. When you can get into the movie for less money than a box of popcorn, there's something to be thought about that.   I am happy to say that while he did not marry her, but I'm happy to say that he did marry someone and he learned to budget. And she is all about budget, budget, budget. But that also means that they are able to enjoy, enjoy, enjoy.   I think budget gets a really bad name because you think that means that you can't buy things if you budget. And I see it as the exact opposite. If I budget $50 for entertainment, for the month, for the week, for whatever, you can enjoy having that entertainment because that's money that is free and clear for you to use.   Laura Dugger: (32:56 - 33:14) Yeah, I'm with you on that too, because I do think that self-control that really is a fruit of the spirit, but that discipline and self-control leads to freedom eventually. And so, again, those limits provide joy and freedom, which is counterintuitive, but the Lord's economy.   Markie Castle: (33:14 - 33:34) That's right. But once you do it, you realize, and we have seen this happen, that they go, “Oh, I feel better about going to the movies because it's already been planned, which goes back to when you build a tower, you should plan that.”   Laura Dugger: (33:35 - 33:43) You've mentioned that you did offer an allowance. So, what were your allowance or commission guidelines?   Markie Castle: (33:44 - 35:58) So, there's many trains of thought with this. We felt that there were certain chores that needed to be done as part of the household. So, making your bed, setting the table, helping with dinner, cleaning up the dishes, sweeping the floor.   Obviously, our children were expected to do more as they got older. I would give them opportunities, though, to do over and beyond, and then they could make extra money. So, there were certain expectations on a daily basis, and that was part of being part of the household, being part of the family.   But to go over and beyond would give us the time. Now, I do know some people pay for everything that they do, and I understand where they're coming from with that, but then they may choose not to make their bed or choose not to set the table because they don't want the money, but then other people need the table to be set. So, that can cause issues, too.   We never, when it came to grades, I know that's something that's talked about, we never paid for certain grades in school. We did allow them, you know, at the time it was, well, if you get this many A's, you can get a pizza or something, you know, from Pizza Hut or something. We would do that, but we never paid for specific grades for our kids.   There was an expectation that they would do well, not for the money. But we would all go out and celebrate when they all had good report cards. So, I know that there's different trains of thought with that.   You know, there are some others who will put a price on certain chores and have the allowance reflect that money they made. Our boys received their allowance, but there were times that we charged them when we needed to do their chore, like pick up their clothes in the bathroom after they've been asked to do so. So, if we did something, we kind of charged them for it.   And that's when our son said, well, you just had children to make money.   Laura Dugger: (35:59 - 37:14) Guess what? We are no longer an audio only podcast. We now have video included as well.   If you want to view the conversation each week, make sure you watch our videos. We're on YouTube and you can access videos or find answers to any of your other questions about the podcast when you visit thesavvysauce.com.   With our family, our daughters currently are nine, eight, six, and four. And so, they have the understanding of give, save, spend. But just this summer, our sweet and very generous neighbor, Jillian, James and Jillian, have hired our oldest two, Sayla and Shiloh, to water their plants while they're traveling. And so, this is their first paid job opportunity.   And so, my plan with my husband is to train our girls with this podcast. And there's a question I want to ask you next that I believe will even guide us with our conversation and how to train them. So, when your children were earning money or making this allowance, even from a young age, how did you teach them to split their money?   Markie Castle: (37:16 - 42:21) So, we set up our allowance that they were given one-dollar times their age, which you had alluded to early on. So, each week, a five-year-old would get five dollars a week, which sounds like a lot, right? Or a ten-year-old would get ten dollars.   And that sounds awesome, right? But it was broken down. So, we first would take ten percent which goes to charity.   We wanted to teach the children about tithing. And that was the first. The next, we had ten percent that was taken for taxes.   And we used that for family fun night, which made those nights special to them. Now, what they learned from having their taxes taken, when they went to get their first job, like when they were 16 or 17, and our oldest son got a job at the Zoli's when it was there. And he was not in shock when he was given his paycheck and taxes were taken out.   He understood that. All his other friends were complaining about them taking it. But our children knew there were taxes, and taxes went for the good of the community.   We also took ten percent for retirement. And that was just good habits to form. We kept it.   We kept account of how much it was. And when they got out of college, we gave them their retirement. Wow.   Now in their 30s, they have a financial guy and he is shocked at how set our children are for the future. Then 20 percent went to college. Once again, this was kind of a mindset.   Now, if you don't think your children are going to go to college, I would still recommend at least going to community college or a trade or whatever. We saved this and gave it to them to put towards their expenses when they went to college. So, we literally gave them their money and said, this is what you have saved over all these years.   Now you have 50 percent left. So, 25 percent went to savings. And they had to put this in a separate category, and they needed to buy something with it that was $25 or more.   We wanted them to learn how to save up for that special whatever they wanted. They could spend that on whatever. So, that would make for a five-year-old, fifty cents went to church, fifty cents for taxes, fifty cents for retirement, a dollar for college, a dollar twenty-five for savings.   And what they got at the end, they got a dollar twenty-five for the week, which is a good amount for a five-year-old. But let me just say, when I say so they can spend it, if you're the parent, it is okay to say no to what they are purchasing. Our middle son at a point, now he was older, but he wanted to get 10 piercings in one ear.   We didn't think this was a wise decision, not all at the same time. He respectfully stated that he was old enough that he didn't need our permission and that he could pay for it. Now, mind you, he was living with us at the time, but he said he didn't need our permission.   And he said it respectfully. We did tell him no, and that as long as he was living with us, reaping the benefits of our house, utilities, food, vacations, he still needs to abide by our parental decisions. And you know what?   It wasn't an issue. He said, okay. And when he was on his own, you know what?   He had become wiser over those couple of years and he didn't do it. So, it's okay to say no to some things. And saying that, doing this allowance, it makes going places so much nicer.   I never said no to my kids. And it was funny because when we talk about moms' groups or whatever, I said, “Oh, I never tell my children no. They can have, you know, what they asked me for things, I never tell them no.”   And they go, “Really?” And I said, “Yeah.” I'd say, “Do you have the money for it?”   Oh, okay. And then it wasn't me saying no. They needed to make that decision.   This sounds so negative and it truly is not. Our boys took great pride in paying for their own things. I mean, they used discernment in their choices.   And they took great care of those toys that they bought. There was a sense of ownership and responsibility to it. This was not negative.   It was truly positive and taught them much more than just about money.   Laura Dugger: (42:22 - 42:41) Well, and it's such a great real-world experience. I've never heard someone teach like this before, where you broke it down so specifically. But really, it reflected how they would handle money as adults.   And so, I think it's brilliant. And I'm wondering if you have any other practical recommendations that we haven't covered yet.   Markie Castle: (42:43 - 45:07) I would give a few. So, in their allowance, I put the cash in clear containers labeled so that they could see what they had. When they were older, we moved it to paper because I wanted them to be taught about how banks work.   Another couple of things. We never had issues going through candy aisles or going to events. We would pay for the tickets.   If they wanted to buy a snack like at Six Flags or something, they could. But they'd have to use their own money. Now, we're not cruel.   We would buy lunch for them. But if they wanted that $10 soft pretzel, they needed to buy it. Another thing, if they received money for a birthday gift, we felt that that was all theirs to spend.   Because to me, that gift, you know, if they were given a toy, we wouldn't split that toy up and give 10% to charity. So, they could keep all the money and go and buy what they wanted. One other thing, and some people may find this controversial, but I would suggest getting a credit card for your children as soon as you can while they are living with you.   And then you can give them the guidance that they need. Our son learned from an early age that you only charge items that you know you will be able to pay off at the end of the month. A debit card is good too, that they need to have that money in there.   But we liked setting the habit of paying off the credit card every month. A debit card would say, you can't slide this card unless you have that money in the bank. Either way, I would highly recommend you get your children something so you can give them the guidance of how to use it.   We knew people who wouldn't allow their children to date until they were 18. And my thought was, I don't want to give my children the go ahead to date when they go off to college. I wanted to be able to guide them.   So, we said, when you're 16, you can date. And then we were able to guide them and teach them along the way.   Laura Dugger: (45:08 - 45:14) That's so good. And can you think of anything else that you want to make sure we don't overlook today?   Markie Castle: (45:15 - 45:51) After counseling and mentoring many couples who have asked us for help, I realized that financial difficulties and marriage issues go hand in hand. That puts a stress in a marriage that comes out in other ways. If someone is having financial issues, you need to get help.   I would also say to teach your children so they are raised with a God-honoring respect for money. 1 Timothy 6:10 doesn't state that money is the root of all evil. It states that “the love of money is the root of all evil.”   Laura Dugger: (45:52 - 45:59) Well, I love all of the practical tips you've shared. And do you have any other favorite stories that come to mind?   Markie Castle: (46:00 - 48:23) One that is particularly close to me is we had very, very close friends who actually my husband worked under him for many years. But we were very close. And in fact, we moved together and with my husband's job and very close.   He was an exec, a cat, very high up. And making more money was the most important thing. Climbing that corporate ladder.   And suddenly he just realized how unhappy he was. He also put his children at bay because he worked so much. He needed to have the better cars, the better house, the better everything.   And one evening, there's a knock at the door. We weren't expecting him. And they were just standing there.   And he just said, “Can we talk?” And he came in and he looked at us and said, “When is enough??” And he had tears in his eyes.   And he knew that money was driving him at the cost of his marriage, although they were still together, but at the cost of the relationship with his children. And he said, “When is enough? And we talked to him.   We again shared the gospel, which we had shared before. And when you have Christ in your life, for me, that's enough. That's all I need is Christ.   He turned his life over to the Lord. He became a believer. He quit his job, which he had planned on.   And financially, he was great. And what he does now, he does a lot of mission work. He goes to different places that have been hit by a tornado.   And he's with the group that goes all over taking care of other people. And he is far, far wealthier than he ever was.   Laura Dugger: (48:24 - 48:48) Wow, Markie, that is so powerful. And what an incredible story to start to close our time together with. But I still have one final question for you, because our podcast is called The Savvy Sauce, because savvy is synonymous with practical knowledge or discernment.   And so, this is my final question for you today. What is your savvy sauce?   Markie Castle: (48:49 - 49:28) I would say beware of giving your children everything they want. And everything you think they need. Wanting is a great lesson to learn.   And as we've been told in the Bible, patience is a virtue. Having children earning their own money and spending it teaches them independence and develops them to be adults who are secure with the choices they have learned to make. This is far more than just teaching them about money.   Much more is developed within them.   Laura Dugger: (49:28 - 50:00) That is so good. And truly, Markie, this conversation, I can't wait to share it with all of our girls, with Isla and Kessler, too, being even just six and four. I think you have so many helpful practical takeaways.   And you're such a gifted teacher. So, it's been a joy to learn from you during this time. So, thank you, not only for applying scriptures to the way you interact with finances, but thank you for also sharing those applications with us today.   And thank you for being my guest.   Markie Castle: (50:01 - 50:10) Laura, it's truly been my pleasure. I appreciate you and I appreciate how God-centered you are and with this podcast.   Laura Dugger: (50:11 - 53:29) Wow, thank you so much. That encouragement means a lot. One more thing before you go, have you heard the term gospel before? It simply means good news. And I want to share the best news with you, but it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death and we can never pay back the sacrifice we owe to be saved.   We need a savior, but God loved us so much. He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life. We could never live and died in our place for our sin.   This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished. If we choose to receive what he has done for us, Romans 10:9 says, “that if you confess with your mouth, Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.”   So, you pray with me now. Heavenly father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you.   Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity. In Jesus name we pray.   Amen. If you prayed that prayer, you are declaring him for me. So, me for him, you get the opportunity to live your life for him.   And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned. So, you're ready to get started.   First, tell someone, say it out loud, get a Bible. The first day I made this decision, my parents took me to Barnes and Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it.   You can start by reading the book of John. Also get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too. So, feel free to leave a comment for us here. If you did make a decision to follow Christ, we also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “in the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.