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

This week's stories: Healthy Diets That Offset "Bad Genes" A major UK Biobank study of over 100,000 people found that following any one of five healthy dietary patterns was associated with up to 3 extra years of life — and the benefit held regardless of genetic predisposition to longevity. Your DNA is not an excuse. The macro pattern matters more than the perfect protocol. • Sources: -https://www.science.org/doi/10.1126/sciadv.ads7559 -https://pmc.ncbi.nlm.nih.gov/articles/PMC12904179 -https://www.medicalnewstoday.com/articles/eat-well-live-longer-study-5-healthy-diet-plans-longevity Micro-Habits in Sleep, Activity, and Diet That Extend Life Researchers built a composite "SPAN" score combining sleep, movement, sedentary time, and diet quality and found that small improvements across all four — we're talking minutes per day — cut mortality risk by up to 64% when stacked together. The gains only showed up when behaviors improved in combination, not in isolation. • Sources: -https://pmc.ncbi.nlm.nih.gov/articles/PMC11863424 -https://theconversation.com/small-improvements-in-sleep-physical-activity-and-diet-are-linked-with-a-longer-life-273502 -https://www.lboro.ac.uk/news-events/news/2026/january/small-improvements-in-health-linked-to-longer-life Methionine and Cysteine Restriction: The Diet That Mimics Cold Exposure New research shows that reducing sulfur amino acids — methionine and cysteine, found heavily in certain animal proteins — triggers fat browning and thermogenesis in mice, mimicking the metabolic effects of cold exposure without the cold. Supporting human data from Nature Metabolism suggests this lever works in people too • Sources: -https://elifesciences.org/reviewed-preprints/108825v2 -https://www.nature.com/articles/s42255-025-01297-8 -https://topics.consensus.app/news/research-finds-low-methionine-and-cysteine-diet-increases-caloric-burn-in-mice-evidence-review Tyrosine and Lifespan: What the Data Says for Men A Mendelian randomization analysis of over 270,000 UK Biobank participants found that genetically higher tyrosine levels were associated with nearly one year shorter lifespan in men — with no significant effect in women. This reflects lifelong endogenous levels, not short-term supplementation, but it's a signal worth understanding if you're using tyrosine strategically • Sources: -https://www.news-medical.net/news/20260301/Higher-tyrosine-levels-linked-to-shorter-lifespan-in-major-UK-Biobank-analysis.aspx -https://www.eurekalert.org/news-releases/1105915 -https://www.aging-us.com/news-room/high-tyrosine-levels-linked-to-shorter-lifespan-in-men War Doomscrolling and WW3 Anxiety as a Stealth Aging Accelerator Compulsive consumption of conflict and war news is linked to PTSD-like symptoms, existential anxiety, and chronic stress — even in civilians far from any battlefield. Layered on top of cardiology data connecting chronic stress to heart disease and stroke, your news diet is now a legitimate healthspan variable. Subtractive biohacking is still biohacking. • Sources: -https://www.sciencedaily.com/releases/2024/07/240718124709.htm -https://www.theguardian.com/technology/article/2024/jul/19/doomscrolling-linked-to-existential-anxiety-distrust-suspicion-and-despair-study-finds -https://www.health.harvard.edu/mind-and-mood/doomscrolling-dangers -https://pmc.ncbi.nlm.nih.gov/articles/PMC9517387 All source links are provided for direct access to the original reporting and research. This episode is designed for biohackers, longevity seekers, and high-performance listeners who want mechanism-level clarity on circadian biology, neurodegeneration signals, cognitive training, caffeine strategy, and supplement regulation. Host Dave Asprey connects emerging science, behavioral data, and policy shifts into practical frameworks you can use to build a resilient, adaptable health stack. New episodes every Tuesday, Thursday, Friday, and Sunday. Keywords: healthy diet longevity genes, UK Biobank diet study, Mediterranean diet lifespan, DASH diet mortality, SPAN score sleep activity diet, micro habits longevity, mortality risk reduction, methionine restriction thermogenesis, cysteine restriction fat loss, sulfur amino acids metabolism, FGF21 fat browning, tyrosine lifespan men, Mendelian randomization amino acids, tyrosine supplement risk, doomscrolling aging, war news anxiety stress, chronic stress heart disease, psychosocial stress healthspan, biohacking news, longevity research 2026 Thank you to our sponsors! -AquaTru | Go to https://aquatruwater.com/daveasprey and save $100 on all AquaTru water purifiers.-BEYOND Biohacking Conference 2026 | Register with code DAVE300 for $300 off https://beyondconference.comResources: • Get My 2026 Clean Nicotine Roadmap | Enroll for free at https://daveasprey.com/2026-clean-nicotine-roadmap/ • Get My 2026 Biohacking Trends Report: https://daveasprey.com/2026-biohacking-trends-report/ • Dave Asprey's Latest News | Go to https://daveasprey.com/ to join Inside Track today. • Danger Coffee: https://dangercoffee.com/discount/dave15 • My Daily Supplements: SuppGrade Labs (15% Off) • Favorite Blue Light Blocking Glasses: TrueDark (15% Off) • Dave Asprey's BEYOND Conference: https://beyondconference.com • Dave Asprey's New Book – Heavily Meditated: https://daveasprey.com/heavily-meditated • Join My Substack (Live Access To Podcast Recordings): https://substack.daveasprey.com/ • Upgrade Labs: https://upgradelabs.com Timestamps: 0:00 - Introduction 0:18 - Story #1: Diet vs. Genetics 2:14 - Story #2: 1% Better Every Day 4:26 - Story #3: Sulfur Amino Acids & Fat Loss 5:55 - Story #4: Tyrosine & Longevity 7:58 - Story #5: Doomscrolling & Aging 10:00 - Weekly Roundup See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A 1896 novel by Ingersoll Lockwood opens with angry mobs attacking a luxury hotel on Fifth Avenue after a controversial election... sound familiar? Fast-forward to March 13, 2025: protesters breach Trump Tower in New York, echoing the "Last President" storyline almost word-for-word. We break down the eerie connections—including Baron Trump adventures, a mentor named "Don," Castle Trump, and why this obscure book exploded in relevance after 2016. Layered with end-times scripture from "The Trumpet" video and real-time reactions, this episode asks the big questions: Is Lockwood's fiction actually foretelling our era? Are we witnessing the scripted fall of a republic? Buckle up—this one's loaded with synchronicities you won't hear in mainstream coverage.

Recently debuting on Disney+ the documentary Disneyland Handcrafted spectacularly shows the development of Walt's original family park in compelling fashion by storied filmmaker Leslie Iwerks. Layered into this amazing documentary is the music of composer Cyrus Reynolds, who crafts compelling and epic orchestrations that evoke rich emotion out of its listeners. On this episode of Notably Disney Cyrus talks about his background and music that is featured in Disneyland Handcrafted, as well as the release of his new album! Check out Cyrus' work at CyrusReynoldsMusic.com and his new album entitled Provenance of Dreaming. Feel free to reach out to Brett via Bluesky @drnachman and Instagram @drnachman, subscribe to the podcast, and send your feedback to notablydisney@gmail.com  New episodes of Notably Disney debut on the first Tuesday of each month.

When someone dies, there's a script.When you get divorced, there isn't.No ritual.No defined role.No socially approved space to grieve someone who is still alive.In this episode, we unpack why divorce grief is neurologically and socially different from death — and why so many women feel stuck for years without understanding why.We talk about:The three ways divorce grief disrupts the nervous systemWhy “stages of grief” don't fully apply hereThe self-esteem hit that makes you ask, “Why wasn't I enough?”Why many support groups validate you… but don't actually help you healAnd we introduce something deeper — what we mean when we say divorce grief is quantum.Not mystical. Not abstract.Layered. Overlapping. Entangled.Your past self, your present body, and your future identity are all grieving at once. Your nervous system is still wired to seek comfort from the person you're trying to let go of.Divorce grief doesn't move in stages.It moves in waves.There may be no meal train for this kind of loss.But you don't have to grieve it alone.If this episode resonated, your next step is simple: don't stay isolated in it.Join us inside the Cocoon community in the Heartbeat app, come to a Cocoon Connect, or take one deeper step into your healing.Because this kind of grief doesn't resolve with time...It resolves with support.We'll meet you there.Facebook: https://www.facebook.com/MyCoachDawnInstagram: (@dawnwiggins)Instagram: (@coachtiffini)On the Web: https://www.mycoachdawn.comA podcast exploring the journey of life after divorce, delving into topics like divorce grief, loneliness, anxiety, manifesting, the impact of different attachment styles and codependency, setting healthy boundaries, energy healing with homeopathy, managing the nervous system during divorce depression, understanding the stages of divorce grief, and using the Law of Attraction and EMDR therapy in the process of building your confidence, forgiveness and letting go.Support the show✨Join the Cocoon Community - your people are waiting! ✨

We'd love to hear from you please leave a commentIn today's episode, we introduce what we're calling the experience slider. Every experience is a stimulus. From there, our response tends to slide in one of two directions — toward cognitive reaction (thinking, analyzing, interpreting) or toward emotional reaction (feeling, sensing, reacting from the heart or gut). Neither side is wrong, but where we land shapes what happens next.Layered onto that is what we call the concern continuum — a mental-state progression that helps us understand how our internal reaction can escalate.Concern is the healthy starting point. It's awareness with proportion. Something matters, and we're attentive, but we remain steady and capable of thoughtful response.Worry emerges when concern loops. The mind revisits the issue repeatedly, often imagining outcomes. Worry narrows our focus and can begin to crowd out perspective.Anxiety is worry amplified. The body joins the mind. There is tension, urgency, a felt sense of threat or loss of control. The emotional slider has moved further to the right.Panic is the far end of the continuum — when regulation drops significantly and the nervous system overrides reflection. Thinking becomes difficult, and reaction dominates.In this conversation, we explore how the experience slider and the concern continuum interact — and how the intentional pause between stimulus and response allows us to notice where we are, regain balance, and slide back toward wisdom

A listener asks about alleged changes to Logical Reasoning that an LSAT YouTuber has reported. Ben and Nathan push back, maintaining that the test hasn't meaningfully changed and that the so-called “new” question types have been around for years.Also in this episode:- A listener successfully secures a GPA change on their transcript.- Whether to use a letter of recommendation from a university president- What's going on at Vanderbilt LawStudy with our Free Plan⁠⁠Download our iOS app⁠Watch Episode 548 on YouTubeCheck out all of our “What's the Deal With” segmentsGet caught up with our ⁠Word of the Week⁠⁠ library0:00 Conditional Scholarships 11:00 Getting GPA Changed16:35 Letter of Recommendation from the President22:22 New Demon Plans28:04 Tips from Departing Demons37:50 RC Speed47:15 Updated LR Questions?1:01:48 What's the Deal with Vanderbilt1:25:34 Word of the Week — diminution

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When an inconvenient corpse is discovered in a Battersea bathtub, a complex puzzle unfolds for the London authorities. What's with the pince-nez and birthday suit combo? And isn't that a surgical college just across the rooftops? In this episode we strike a match and settle in with Dorothy L Sayers' "Whose Body?" and review the first appearance of Lord Peter Wimsey, her amateur sleuth of impeccable tailoring and disarming flippancy. Layered with mistaken identity, social satire and post-war unease, this celebrated mystery from 1923 balances classic whodunnit mechanics with sharp observations about entitlement and trauma in a changing world.FastFacts@12:45; Summary@47:25; PIPES@1:18:00

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Jeff & Shannon dissect Hillary Clinton's Epstein deposition chaos, Haiti ties, surging elite resignations, and Trump's massive healthcare fraud crackdown live. Tune in at Rumble, YouTube, X and Red State Talk Radio now! Patriots, strap in—@intheMatrixxx and @shadygrooove, the unyielding truth-seekers, tear into Season 8, Episode 038, “Hillary Clinton Deposed in Epstein Investigation; Track Resignations,” as Hillary Clinton's closed-door House Oversight deposition in Chappaqua unfolds today with her opening statement denying any knowledge of Epstein's crimes or ever meeting him, only for the session to pause amid a leaked unflattering photo allegedly from Rep. Lauren Boebert, exposing establishment denials and contradictions tied to documented Clinton Foundation emails coordinating Haiti relief through Epstein-linked jets and the Laura Silsby child trafficking intervention scandal. They spotlight the accelerating wave of high-profile resignations linked to Epstein revelations, including World Economic Forum CEO Børge Brende stepping down after scrutiny of his dinners and communications with Epstein, alongside exits from figures like Rothschild Bank leadership, Nobel winners, and more, signaling mounting elite accountability. Layered in: JD Vance and Dr. Mehmet Oz unveiling the Trump admin's aggressive CRUSH fraud initiative, deferring $259.5 million in Minnesota Medicaid funds over fake autism diagnoses and deceased beneficiary billings, imposing a national DME moratorium to halt $1.1 billion in orthotic brace scams, and crowdsourcing public tips to slash billions in waste—proving real action protects taxpayers and vulnerable Americans. With live reactions to Clinton's testimony, Haiti proxy past connections, and fraud distractions masking deeper trafficking issues, the duo delivers raw, no-holds-barred analysis rejecting mainstream spin. The truth is learned, never told; the constitution is your weapon—tune in at noon-0-five Eastern LIVE to stand with Trump! MG Show: America First MAGA Podcast & Conservative Talk Show Launched in 2019 and now in Season 8, the MG Show is your go-to source for unfiltered truth on Trump policies, border security, economic nationalism, and exposing globalist psyops. Hosted by Jeffrey Pedersen (@InTheMatrixxx) and Shannon Townsend (@ShadyGrooove), it champions sovereignty, traditional values, and critiques of establishment politics. Tune in weekdays at 12pm ET / 9am PT for patriotic insights strengthening the Republic under President Trump's America First agenda. Hosts - Jeffrey Pedersen (@InTheMatrixxx): Expert in political analysis and exposing hidden agendas, with a focus on Trump's diplomatic wins and media bias. - Shannon Townsend (@ShadyGrooove): Delivers sharp insights on intelligence operations, Constitutional rights, and defenses of Trump's strategies against mainstream critiques. Where to Watch & Listen Catch live episodes or on-demand replays packed with MAGA victories like inflation drops, border awards, Trump pardons, and psyop exposures: - Live Streams: https://rumble.com/mgshow for premium America First content. - Radio: https://mgshow.link/redstate on Red State Talk Radio. - X Live: https://x.com/inthematrixxx for real-time pro-Trump discussions. - Podcasts: Search "MG Show" on PodBean, Apple Podcasts, Pandora, and Amazon Music. - YouTube: Full episodes at https://youtube.com/c/inthematrixxx and https://www.youtube.com/c/TruthForFreedom. Follow for daily pro-Trump alerts: - X: @InTheMatrixxx (https://x.com/inthematrixxx) and @ShadyGrooove (https://x.com/shadygrooove). Support the MG Show Fuel the MAGA movement against establishment lies: - Donate: https://mg.show/support or contribute at https://givesendgo.com/helpmgshow. - Merch: https://merch.mg.show for official gear. - MyPillow Special: Use code MGSHOW at https://mypillow.com/mgshow. - Crypto: https://mgshow.link/rumblewallet. All Links Everything MG Show Related: https://linktr.ee/mgshow. MG Show Anthem Get chills with the patriotic track: https://youtu.be/SyfI8_fnCAs

"Our cuisine, with its grits and black-eyed peas, crab cakes, red rice, and endless variations on the staple foods of the region, casts a spell that, if you're lucky, gets passed down with snapping string beans at the table and chewing cane on the back porch." – Michael W. Twitty Cooking is more than just ingredients and instructions, and a big pot on the stove can act as a vessel for connection and culture just as much as it does for rice and beans. Exploring the contextual roots and legacies passed down through food culture has been a lifelong endeavor for culinary historian Michael W. Twitty, and his upcoming cookbook Recipes From the American South aims to unpack a bounty of knowledge and flavor for the home cook. In the introduction to this thoughtfully rendered recipe collection, Twitty declares, "No one state or area can give you the breadth of the Southern story or fully set the Southern table." Recipes from the American South sets out on a journey to cover as much ground as possible through one of America's most foundational culinary landscapes — showcasing more than 260 beloved regional dishes rooted from the Louisiana Bayou to the Chesapeake Bay. Layered with diverse origin stories and detailed annotations, Twitty brings readers an expansive collection of both iconic fare and lesser-known specialties. Chicken and Dumplings, She-crab Soup, Red Eye Gravy, Benne Seed Wafers, Hummingbird Cake, and Mint Juleps appear alongside Shrimp Pilau, Chorizo Dirty Rice, Sumac Lemonade, and Cajun Pig's Ears Pastry. Vibrant photography and Twitty's lyrical essays accompany the menu at every course, from biscuits and breads to mains and sides to sauces and sweets. Through this cookbook, Twitty aims to showcase how the region's "multicultural gumbo" of influences have transformed staple ingredients into a lasting impact on American food culture as a whole. Expansive, authoritative, and beautifully designed — Recipes from the American South invites readers to take a seat at the kitchen table and learn how to cook, understand, and connect with every plate. Michael W. Twitty is an acclaimed culinary historian, speaker, educator, and independent scholar with a focus on historic African American food and folk culture. He is the author of the two-time James Beard Award-winning book The Cooking Gene, as well as Rice and Koshersoul. His work has been featured in publications including the Guardian, The New York Times, The Washington Post, PBS, and NPR's The Splendid Table, as well as Afroculinaria, his culinary history blog devoted to the preservation of historic African American foods and foodways. Chef Kristi Brown has spent over three decades in the culinary industry, starting at a café in downtown Seattle. After graduating from Seattle Culinary Academy, she founded That Brown Girl Cooks Catering in the mid-1990s. Her mantra, "Everybody Gotta Eat," led her to co-found a community kitchen, earning widespread recognition. In the same era, Chef Kristi and her son Damon Bomar opened Communion R&B in Seattle's Central District. With praise from Conde Nast Traveler and The New York Times, the restaurant has become a beacon of unity and community. Buy the Book Recipes from the American South Book Larder

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Parshat Terumah introduces the Ark, Judaism's holiest object and reveals a radical truth about the human soul. The Ark wasn't one solid piece. It was gold on the inside, wood in the middle, gold on the outside.In this class, Rabbi Yisroel Bernath explores how the Ark becomes a map of the inner life: A core that is pure and untouchable. A middle that feels messy, emotional, contradictory and an outer life that still has the power to shine.Drawing from Tanya and Chassidic psychology, this episode reframes guilt, self-judgment, and spiritual exhaustion and offers a deeply compassionate model of growth.  It's about learning how to live from your gold even on wooden days.Key TakeawaysYou are not defined by your moods, struggles, or inner noiseYour essence is intact, even if your emotions feel chaoticYou don't need to feel holy to act holyConscious behavior can reflect Divine light, even when feelings lag behindGrowth doesn't require repression, only honesty and choiceNothing and no one can ever damage your inner gold#Judaism #Torah #Kabbalah #RabbiBernath  #ParshatTeruma #Jewish #JewishSpirituality  #YoureNotBroken #YoureLayered #ParshatTerumah #KabbalahForRealLife #InnerGold #TheBenoniLife #JewishWisdom #chabad #Tanya #SpiritualPsychology #ShowUpAsYouAre #HolinessInRealLife Available now:Paperback: https://www.amazon.com/Forgiveness-Experiment-What-Would-Your/dp/1069217638Kindle: https://www.amazon.com/dp/B0FR2QNJL6Audiobook: https://bit.ly/4tPFZhVSupport the showGot your own question for Rabbi Bernath? He can be reached at rabbi@jewishndg.com or http://www.theloverabbi.comSingle? You can make a profile on www.JMontreal.com and Rabbi Bernath will help you find that special someone.Donate and support Rabbi Bernath's work http://www.jewishndg.com/donateFollow Rabbi Bernath's YouTube Channel https://www.youtube.com/user/ybernathAccess Rabbi Bernath's Articles on Relationships https://medium.com/@loverabbi

Hour 1

Send a textParshat Terumah introduces the Ark, Judaism's holiest object and reveals a radical truth about the human soul. The Ark wasn't one solid piece. It was gold on the inside, wood in the middle, gold on the outside.In this class, Rabbi Yisroel Bernath explores how the Ark becomes a map of the inner life: A core that is pure and untouchable. A middle that feels messy, emotional, contradictory and an outer life that still has the power to shine.Drawing from Tanya and Chassidic psychology, this episode reframes guilt, self-judgment, and spiritual exhaustion and offers a deeply compassionate model of growth.  It's about learning how to live from your gold even on wooden days.Key TakeawaysYou are not defined by your moods, struggles, or inner noiseYour essence is intact, even if your emotions feel chaoticYou don't need to feel holy to act holyConscious behavior can reflect Divine light, even when feelings lag behindGrowth doesn't require repression, only honesty and choiceNothing and no one can ever damage your inner gold#Judaism #Torah #Kabbalah #RabbiBernath  #ParshatTeruma #Jewish #JewishSpirituality  #YoureNotBroken #YoureLayered #ParshatTerumah #KabbalahForRealLife #InnerGold #TheBenoniLife #JewishWisdom #chabad #Tanya #SpiritualPsychology #ShowUpAsYouAre #HolinessInRealLife Available now:Paperback: https://www.amazon.com/Forgiveness-Experiment-What-Would-Your/dp/1069217638Kindle: https://www.amazon.com/dp/B0FR2QNJL6Audiobook: https://bit.ly/4tPFZhV Support the showGot your own question for Rabbi Bernath? He can be reached at rabbi@jewishndg.com or http://www.theloverabbi.comSingle? You can make a profile on www.JMontreal.com and Rabbi Bernath will help you find that special someone.Donate and support Rabbi Bernath's work http://www.jewishndg.com/donateFollow Rabbi Bernath's YouTube Channel https://www.youtube.com/user/ybernathAccess Rabbi Bernath's Articles on Relationships https://medium.com/@loverabbi

Fresh off my latest live performance in Venice during the just‑concluded Venice Carnival 3 day Festival, where over 3,000 beautiful souls came together for a magical weekend of rhythm, color, and global unity - I'm excited to share a sonic journey inspired directly by that electrifying night.This episode captures the same energy that lit up the dancefloor: deep, percussive, Afro‑electronic textures, blended with soulful grooves and modern Nairobi vibes. The selection leans into atmospheric builds, hypnotic baselines, and culturally rich rhythms - all crafted to transport you right back to that unforgettable weekend.At the heart of this mix are standout Kenyan tracks that carried the crowd into a frenzy during the show. Watendawili's “Tumia Pesa” sets the tone early with its unmistakable Kenyan bounce, grounding the entire journey in homegrown rhythm. Savara's “Forever (JackRooster SpedUp Version)” injects that signature Nairobi fire, while Xenia Manasseh's “Cheza Chini (Kevin servHis RMX)” adds a lush, soulful depth that resonated beautifully with the international audience.These records - proudly Kenyan and globally appealing - became the emotional anchors of the night, drawing cheers, whistles, and hands in the air from a crowd that felt the pulse of Nairobi even thousands of miles away.Complementing these highlights is a selection of exclusive Jack Rooster AfroGroove Edits - festival‑tested, rhythm‑driven cuts sculpted specifically for high‑energy dancefloors. These edits bring an unmistakable Nairobi signature to the mix: gritty, percussive, spacious, and undeniably groove-led, elevating the journey with textures you won't find anywhere else.Layered around these gems are deep-house and Afro-tech influences from across the continent and beyond, featuring powerful selections like “Lutho”, “One Day (Manoo Remix)”, and “Carry Us Away” - each chosen for its ability to lift, expand, and sequence the journey into deeper emotional territory.Whether you were in Greece for the festival or vibing with us from afar, this episode captures the moment in full color - a cross‑continental celebration of sound, culture, and dance.Press play, immerse yourself, and let these Deeper Sounds of Nairobi move you. #DeeperSoundsOfNairobi #WorldTour Turn it up, let the music take over, and enjoy the journey.

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In this episode of Guns Podcast U.S., host Brent Wheat and Roy Huntington tackle a topic that makes many uncomfortable: the necessity of carrying a firearm inside your own home. Triggered by the recent kidnapping of Nancy Guthrie (mother of Savannah Guthrie) in Tucson, the duo breaks down the myth of the home as a "King's X" or safe zone where vigilance can be relaxed. They discuss why reliance on a gun in the other room is a recipe for disaster and how crimes of opportunity often unfold faster than you can react. Roy shares his personal home defense setup, ranging from pocket carry strategies to the critical importance of "layers of security" like lighting, cameras, and reinforced locks. The conversation takes a deep dive into the modern threat of criminals posing as delivery drivers to gain entry and why opening the door to a stranger is a risk you shouldn't take. They also debate the mechanics of the bedside gun, analyzing the physiological reality of waking up groggy during a crisis. Finally, the pair offers actionable, low-cost tips to upgrade your home security immediately, including the "tactical bedside pouch" concept and the clever use of motion-sensor nightlights to detect intruders. Whether you live in a rural estate or a suburban neighborhood, this episode provides the practical intelligence needed to harden your home against threats Key Takeaways ·         The home is not a guaranteed 'safe zone'; criminals often strike when your guard is down. ·         If your gun is in another room, you likely won't be able to access it during an emergency. ·         Criminals frequently disguise themselves as delivery drivers to get homeowners to unlock the door. ·         Layered security (lighting, thorny bushes, cameras, dogs) is essential to deter break-ins. ·         Waking up to a threat requires time to orient; a bedside gun strategy must account for grogginess. ·         A 'bedside pouch' containing a light, knife and tourniquet is a practical addition to your nightstand gun. ·         Inexpensive motion-activated nightlights can serve as an early warning system inside the home. -- The Guns Podcast is presented by TangoDown. TangoDown® has been a leader in firearms parts and accessories for over two decades. From upgrades for everyday carry firearms to rifle accessories, TangoDown® has something for each firearm enthusiast.  To learn more and shop the diverse product line, visit https://tangodown.com -- Have a topic idea or a guest you'd like to see in a future episode? Let us know in the comments or email editor@gunspodcast.us Never miss an episode! Subscribe to our YouTube channel or sign up for our newsletter to get the Guns Podcast delivered straight to your inbox each week. Buy our Merch! Visit Gunspodcast.us

Is online continuing education enough to elevate your dentistry? With unlimited access to webinars, social media cases, and on-demand videos, it's easy to believe you can master complex procedures from a screen. But is that really how clinical excellence is built? In this episode, Kirk Behrendt interviews Dr. Adamo Notarantonio, educator, clinician, and faculty member at the Kois Center, about the critical differences between online and in-person learning. They discuss why hands-on training, mentorship, and layered learning are essential for developing technical skill, clinical judgment, and the ability to think under pressure. You'll learn how to adopt CE with patience, how to avoid the social media comparison trap, and why real growth requires more than watching a video. If you want to elevate your thinking and your results, listen to Episode 1008 of The Best Practices Show!Main TakeawaysIn-person, hands-on education is essential for mastering clinical techniques that cannot be fully learned through online videos.True clinical growth requires repetition, deliberate practice, and mentorship over time.Social media often presents highlight reels that do not reflect the full clinical reality behind cases.The ability to think outside the box during unexpected clinical situations separates good clinicians from great clinicians.Layered learning—lecture, hands-on application, mentorship, and case review—deepens understanding and improves implementation.Dentists should focus on competing with themselves rather than comparing their work to others.Adopting CE effectively requires patience and a long-term mindset rather than seeking rapid results.Snippets00:00 Introduction and Welcome00:18 Meet Adamo: A Special Guest01:20 The Importance of Continuing Education02:48 Adamo's Journey and Career Changes04:15 Hands-On Learning vs. Online Education07:43 The Value of In-Person Training09:48 Thinking Outside the Box in Dentistry12:22 Mindset and Continuous Learning14:47 The Reality of Social Media in Dentistry16:29 The Reality of Before and After16:41 The Trust Factor with Instagram16:58 AI in Dentistry Presentations17:29 The Importance of Clinical Tips18:20 The Role of Educators in Dentistry

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We are so excited to welcome interior designer Elizabeth Bolognino to the show! With offices in Westport, Connecticut, and South Florida, Elizabeth is known for her signature "Layered Minimalism"—a style that blends clean, contemporary lines with traditional warmth and comfort. Elizabeth joins Caroline and Liz to explain why "minimalism" doesn't have to mean cold or empty: She breaks down the psychology of beige (and why it's actually good for your brain), her "secret sauce" for making neutral rooms interesting, and why she treats rugs like the "shoes" of a room. Plus, she shares her forecast for the next big kitchen trend: the "Unfitted Kitchen." Quick Decorating Takeaways: The "Touch Test" for Budgeting: When deciding where to splurge and where to save, Elizabeth has a simple rule: If you touch it, spend the money. Invest in high-quality sofas, fabrics, and rugs because you physically interact with them. Save money on items you only look at, like curtain rods, side tables, or decorative hardware. Rugs are the "Shoes" of the Outfit: Elizabeth believes you should never design a room from the top down. She starts with the rug because it grounds the space and dictates the palette—just like you wouldn't pick your shoes last when planning an outfit. Try an "Unfitted" Kitchen: To make a kitchen feel more like a living space and less like a sterile lab, Elizabeth suggests removing upper cabinets and using furniture-style pieces. Try swapping a built-in island for a large work table or using an antique armoire for pantry storage. What You'll Hear on This Episode: 00:00 Welcome & Introduction 01:00 Defining "Layered Minimalism": How to clean up lines without losing warmth 07:00 The Psychology of Beige: Why we crave neutral spaces in a chaotic world 13:00 Texture: The "Secret Sauce" to keeping neutrals from being boring 19:00 Splurge vs. Save: Elizabeth's rule about tactile objects 23:00 Why the rug is the "shoes" of the room 27:00 The "Unfitted Kitchen" trend: Ditching upper cabinets for furniture 36:00 Elizabeth's own 1940s Colonial renovation 46:00 Decorating Dilemma: How to zone a long, narrow living room/entryway Also Mentioned: Elizabeth Bolognino | Website Follow Elizabeth on Instagram: @ebolognino Book mentioned: The Psychology of Color Shop Ballard Designs Please send in your questions so we can answer them on our next episode! And of course, subscribe to the podcast in Apple Podcasts so you never miss an episode. You can always check back here to see new episodes, but if you subscribe, it'll automatically download to your phone. Happy Decorating! Learn more about your ad choices. Visit megaphone.fm/adchoices

H3,S2,Tues2/10/26-TCJS- The Superbowl is so multi layered

H3,Tues2/10/26-TCJS- " Chris Christie was on Bill Mahr and said fellow Republicans slam Trump in secret" , "The Superbowl is so multi layered " , " Congressman William Timmons on the Epstein Files deposition of Ghilene Maxwell" , " you would think we would be a nation that would require ID to vote."

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In Day 6 of Mood Mastery the Samurai Way, inspired by the calm discipline of Miyamoto Musashi, we bring everything together in a layered meditation designed to help you return to center quickly and gently. You'll combine the week's key techniques—equanimity affirmation (light + shadow), Samurai breathing for calm focus, Prithvi Mudra for clarity, and Second Chakra (Sacral) flow—into one cohesive practice you can use whenever your mood starts to swing or your mind feels pulled in too many directions. This is your "whole system" meditation: steady the breath, anchor the body, clear the mind, and soften emotional resistance—so you can respond with quiet strength and graceful balance. Leave feeling calmer, clearer, and more emotionally regulated—ready to meet life with steadiness rather than reactivity. Featured practice: Layering affirmation + Samurai breath + Prithvi Mudra + Sacral Chakra flow Best for: overstimulation, mood swings, scattered focus, emotional overload, decision fatigue Takeaway: Steadiness isn't something you find—it's something you practice and return to. ABOUT THIS WEEK'S SERIES Welcome to Mastering Your Moods—a meditation series designed to help you stop feeling at the mercy of your emotions and start feeling steady, clear, and in charge of how you respond. Moods can shift fast—one message, one memory, one stressful moment—and suddenly you're anxious, irritated, heavy, or overwhelmed. In this series, you'll learn how to work with your nervous system instead of against it, using simple daily practices that help you regulate in real time—so you can come back to yourself without spiraling, snapping, or shutting down. This isn't about pretending you're fine; it's about building emotional skill: noticing what you feel, understanding what's underneath it, and shifting your state with calm, practical tools you can actually use in your real life. This is day 6 of a 7-day meditation series, "Mood Mastery: From Reactive to Regulated,"  episodes 3043-3049. THIS WEEK'S CHALLENGE - "Mushin (No Mind) Quest Musashi was known to advocate for the concept of mushin, or "no-mind," in combat. It involves acting without conscious thought, free from hesitation, fear, or distraction. By training himself to enter into a state of mushin during duels and battles, Musashi could maintain emotional equilibrium and react instinctively to his opponents' movements. THIS WEEK'S MEDITATION JOURNEY  Day 1:  Focus Visualization Day 2:  Affirmation: "I embrace both light and shadow with equanimity." Day 3:  Hara Breath: Inhale deeply through the nose, allowing the belly to expand. Exhale fully through the mouth, drawing the navel towards the spine. This technique promotes relaxation, stability, and groundedness Day 4:  Diamond mudra for focus Day 5:  Second Chakra to flow with change Day 6:  Focus Flow meditation, combining the week's techniques Day 7:  Weekly review meditation and closure SHARE YOUR MEDITATION JOURNEY WITH YOUR FELLOW MEDITATORS Let's connect and inspire each other! Please share a little about how meditation has helped you by reaching out to me at Mary@SipandOm.com or better yet -- direct message me on https://www.instagram.com/sip.and.om. We'd love to hear about your meditation ritual!  WAYS TO SUPPORT THE DAILY MEDITATION PODCAST SUBSCRIBE so you don't miss a single episode. Consistency is the KEY to a successful meditation ritual. SHARE the podcast with someone who could use a little extra support. I'd be honored if you left me a podcast review. If you do, please email me at Mary@sipandom.com and let me know a little about yourself and how meditation has helped you. I'd love to share your journey to inspire fellow meditators on the podcast! All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com. FOR DAILY EXTRA SUPPORT OUTSIDE THE PODCAST Each day's meditation techniques are shared at: sip.and.om Instagram https://www.instagram.com/sip.and.om/ sip and om Facebook https://www.facebook.com/SipandOm/ SIP AND OM MEDITATION APP Looking for a little more support? If you're ready for a more in-depth meditation experience, allow Mary to guide you in daily 30-minute guided meditations on the Sip and Om meditation app. Give it a whirl for 7-days free! Receive access to 3,000+ 30-minute guided meditations customized around a weekly theme to help you manage emotions. Receive a Clarity Journal and a Slow Down Guide customized for each weekly theme.  2-Week's Free Access on iOS https://itunes.apple.com/us/app/sip-and-om/id1216664612?platform=iphone&preserveScrollPosition=true#platform/iphone All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com.Let go of repetitive negative thoughts. Music composed by Christopher Lloyd Clark licensed by RoyaltyFreeMusic.com, and also by musician Greg Keller. THIS WEEK'S CHALLENGE - "Anxiety Reset Que Challenge" Choose one daily "reset cue"—each time you touch a door handle, open your phone, or sit down, take one long exhale (or one round of your day's breath). Track it with 7 checkmarks (one per day) and notice the moment your body starts to relax faster—proof your nervous system is learning. THIS WEEK'S MEDITATION JOURNEY  Day 1:  Anxiety Reset Visualization Day 2:  Affirmation: "I trust myself to meet this moment." Day 3:  Anchor Breathing: inhale 4, exhale 6–8, repeat 8 rounds. (If 6–8 feels too long, do 4 in / 5 out.) Day 4:  Prithi Mudra for clarity Day 5:  Third Chakra for compassion Day 6:  Anxiety Reset Flow meditation, combining the week's techniques Day 7:  Weekly review meditation and closure SHARE YOUR MEDITATION JOURNEY WITH YOUR FELLOW MEDITATORS Let's connect and inspire each other! Please share a little about how meditation has helped you by reaching out to me at Mary@SipandOm.com or better yet -- direct message me on https://www.instagram.com/sip.and.om. We'd love to hear about your meditation ritual!  WAYS TO SUPPORT THE DAILY MEDITATION PODCAST SUBSCRIBE so you don't miss a single episode. Consistency is the KEY to a successful meditation ritual. SHARE the podcast with someone who could use a little extra support. I'd be honored if you left me a podcast review. If you do, please email me at Mary@sipandom.com and let me know a little about yourself and how meditation has helped you. I'd love to share your journey to inspire fellow meditators on the podcast! All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com. FOR DAILY EXTRA SUPPORT OUTSIDE THE PODCAST Each day's meditation techniques are shared at: sip.and.om Instagram https://www.instagram.com/sip.and.om/ sip and om Facebook https://www.facebook.com/SipandOm/ SIP AND OM MEDITATION APP Looking for a little more support? If you're ready for a more in-depth meditation experience, allow Mary to guide you in daily 30-minute guided meditations on the Sip and Om meditation app. Give it a whirl for 7-days free! Receive access to 3,000+ 30-minute guided meditations customized around a weekly theme to help you manage emotions. Receive a Clarity Journal and a Slow Down Guide customized for each weekly theme.  2-Week's Free Access on iOS https://itunes.apple.com/us/app/sip-and-om/id1216664612?platform=iphone&preserveScrollPosition=true#platform/iphone All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com.Let go of repetitive negative thoughts. The beach waves were composed by Mike Koenig. Music composed by Christopher Lloyd Clark licensed by RoyaltyFreeMusic.com, and also by musician Greg Keller.

Youtube video linked below!https://www.youtube.com/watch?v=R6hRpRxvBowLinks & Socials here:https://linktr.ee/haleygutz

Youtube video linked below!https://www.youtube.com/watch?v=Se_nn3ccqEkLinks & Socials here:https://linktr.ee/haleygutz

Conversation with writer/producer/actor Ashna Sharan & her acting team Wayne Jay & Roger Gutierrez on the making of the award-winning film REMINISCE. As Monica gets ready to host her older husband's college classmates, a phone call from her estranged sister puts her mind at unease. With the age gap and her questioning the one sacrifice she made for love, she feels like an outsider in her own home. As the evening continues, tensions run hot as truths come to light. After the friends leave, she questions the perfection of her marriage and the power imbalance as her loving husband struggles to rein her in. Project Links https://www.instagram.com/reminiscetheshortfilm/ https://www.facebook.com/reminiscetheshortfilm/ ——- Get to know Ashna Sharan: What motivated you to make this film? The original idea was for a feature film drama so I wrote a short film version in order to be able to get funding / show investors what the feature film would be about. The film is loosely inspired by my own life. I'm married to someone ten years older in real life. My husband and I both got judgment for the age gap, but we ended up deciding to move forward anyways. Having realized that it affected some of my friendships and relationships with others, I can only imagine what a large age gap like 25 or 30 years would do so that's why I exaggerated the age.  As for the professor-student relationship, my grandparents met in a student-tutor capacity so I tied that into the love story of Reminisce. Power imbalance and a generational gap amidst the #metoo movement added an interesting dynamic to the story.  From the idea to the finished product, how long did it take for you to make this film? I had written it towards the end of 2023. We began casting in the spring and ended up doing a crowdfunding campaign over the summer. We shot it in October 2024 over two days in Los Angeles. Post-production was done by April 2025. So all in all, about a year and a half.  How would you describe your film in two words!? Layered and Lovely What was the biggest obstacle you faced in completing this film? Casting for this was particularly tricky so Leslie Morris (the director) and I spent a lot of time with that. I was playing Monica and I had written the role of Brian for Wayne Jay. Since Diana and Patrick were Brian's friends from college, we had to cast people who looked like they could have gone to college with Wayne, but also had the chemistry of long-time friends. We received a lot of submissions so we did self-tapes, virtual callbacks and then an in-person chemistry read. Elisa Nixon and Roger Gutierrez were cast and they did a tremendous job.  ——- Subscribe to the podcast: Tweets by wildsoundpod https://www.instagram.com/wildsoundpod/ https://www.facebook.com/wildsoundpod

School security is most effective when multiple technologies work together—not in isolation. In this ZeroNow Conversations episode, we explore how layered technology solutions can enhance detection, communication, and response to threats on K–12 campuses. From access control and video surveillance to AI-enabled analytics, mass notification systems, and emergency management tools, we examine how an integrated ecosystem strengthens protection and reduces blind spots.Our expert panel will discuss practical strategies for evaluating current systems, identifying gaps, and prioritizing investments based on risk, scale, and available resources. We'll also highlight interoperability, policy alignment, and the critical human component—training and procedures that ensure technology supports responders rather than overwhelms them.Whether your district is beginning to build a technology roadmap or looking to modernize existing tools, this conversation will offer actionable guidance for designing a layered security strategy that is proactive, scalable, and tailored to the realities of today's schools.PanelistsPaul TimmPaul Timm is Director of Education Safety at Allegion and a nationally recognized authority on school security. An accomplished author and frequent speaker, he is known for translating best practices in physical security and emergency preparedness into practical guidance that helps K–12 leaders create safer, more resilient learning environments.Guy GraceGuy Grace is a Board Member of the Partner Alliance for Safer Schools (PASS) and a nationally respected leader in K–12 school security. He previously served as Director of Security and Emergency Planning for Littleton Public Schools and later as an education security leader with ASSA ABLOY, where he helped advance best practices in layered, holistic approaches to creating safer learning environments.Michael GarciaMichael Garcia is a school safety and physical security professional with industry experience at HID Global, where he supports secure, scalable identity and access solutions for education and public-sector environments. He is also an active member of Partner Alliance for Safer Schools (PASS), contributing to the advancement of best practices and standards for safer schools. Michael is known for his practical, collaborative approach to helping schools implement layered security strategies that enhance safety while supporting open, effective learning environments.

In Day 6 of Anxiety Alchemy Week, the arc is Balance—releasing anxiety by layering the week's most effective practices into one calming sequence you can use anytime. This episode combines a longer-exhale breathing technique (Anchor Breath), a grounding focus, Prithvi Mudra for emotional protection, and a solar plexus (3rd chakra) nurturing practice to restore steadiness and self-trust. You'll learn how anxiety can pull you into extremes and how a predictable "return to center" routine helps your nervous system settle faster. If you've been feeling overstimulated, reactive, or scattered, this layered meditation will help you come back to calm, clear balance—one breath at a time. Featured practice: Layered balance stack (Release + Rest + Ground + Protect + Nurture) Best time to practice: transitions, before conversations, before sleep, after overstimulation Intention: restore inner steadiness and reduce anxiety spirals This is day 6 of a 7-day meditation series, "Anxiety Alchemy Week,"  episodes 3451-3457. ABOUT THIS WEEK'S MEDITATION JOURNEY: Welcome to The Anxiety Alchemy Week—a 7-day meditation series designed to help you release anxiety and transform that restless, buzzing energy into calm clarity and steady confidence. Each day, you'll be guided through a simple, body-based practice—breathwork, visualization, and gentle mindfulness—so you can soothe your nervous system, quiet spiraling thoughts, and feel more grounded in real life (not just during meditation). Think of this week as a soft return to yourself: less bracing, less overthinking, and more ease in your body, your choices, and your day. THIS WEEK'S CHALLENGE - "Anxiety Reset Que Challenge" Choose one daily "reset cue"—each time you touch a door handle, open your phone, or sit down, take one long exhale (or one round of your day's breath). Track it with 7 checkmarks (one per day) and notice the moment your body starts to relax faster—proof your nervous system is learning. THIS WEEK'S MEDITATION JOURNEY  Day 1:  Anxiety Reset Visualization Day 2:  Affirmation: "I trust myself to meet this moment." Day 3:  Anchor Breathing: inhale 4, exhale 6–8, repeat 8 rounds. (If 6–8 feels too long, do 4 in / 5 out.) Day 4:  Prithi Mudra for clarity Day 5:  Third Chakra for compassion Day 6:  Anxiety Reset Flow meditation, combining the week's techniques Day 7:  Weekly review meditation and closure SHARE YOUR MEDITATION JOURNEY WITH YOUR FELLOW MEDITATORS Let's connect and inspire each other! Please share a little about how meditation has helped you by reaching out to me at Mary@SipandOm.com or better yet -- direct message me on https://www.instagram.com/sip.and.om. We'd love to hear about your meditation ritual!  WAYS TO SUPPORT THE DAILY MEDITATION PODCAST SUBSCRIBE so you don't miss a single episode. Consistency is the KEY to a successful meditation ritual. SHARE the podcast with someone who could use a little extra support. I'd be honored if you left me a podcast review. If you do, please email me at Mary@sipandom.com and let me know a little about yourself and how meditation has helped you. I'd love to share your journey to inspire fellow meditators on the podcast! All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com. FOR DAILY EXTRA SUPPORT OUTSIDE THE PODCAST Each day's meditation techniques are shared at: sip.and.om Instagram https://www.instagram.com/sip.and.om/ sip and om Facebook https://www.facebook.com/SipandOm/ SIP AND OM MEDITATION APP Looking for a little more support? If you're ready for a more in-depth meditation experience, allow Mary to guide you in daily 30-minute guided meditations on the Sip and Om meditation app. Give it a whirl for 7-days free! Receive access to 3,000+ 30-minute guided meditations customized around a weekly theme to help you manage emotions. Receive a Clarity Journal and a Slow Down Guide customized for each weekly theme.  2-Week's Free Access on iOS https://itunes.apple.com/us/app/sip-and-om/id1216664612?platform=iphone&preserveScrollPosition=true#platform/iphone All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com.Let go of repetitive negative thoughts. The beach waves were composed by Mike Koenig. Music composed by Christopher Lloyd Clark licensed by RoyaltyFreeMusic.com, and also by musician Greg Keller.

Youtube video linked below!https://www.youtube.com/watch?v=Q_yu9EhJG58Links & Socials here:https://linktr.ee/haleygutz

https://www.djfrankdelour.com/BioWith his new single “AYA,” DJ Frank Delour delivers a compelling Afro House release built for dance floors worldwide. Layered conga rhythms, warm keyboard chords, textured sound design, and soulful African vocals come together in an uplifting, peak-hour–ready track that stays true to Delour's signature sound. “AYA” follows a series of 2025 releases and reflects Delour's intention to close out the year on a high note. “I wanted a powerful record that was uplifting and still adhered to my style,” he says. “Something that could easily be the choice to rock the crowd during peak hours.” Living a distinctly cosmopolitan lifestyle, Delour performs exclusive dates across the globe—from Rome to St. Tropez while splitting his time between Miami Beach and New York City for luxury-market residencies and studio work. He is currently in the midst of a three-week residency at Papaya Playa Project in Tulum, Mexico, performing alongside artists such as Lee Burridge and Marten Lou. Since 2021, Delour has maintained an impressively prolific output, releasing more than 40 singles. At the core of Delour's music is an unmistakably positive energy, which he attributes to his conversion to Buddhism several years ago. “I had to step away from derogatory and misogynistic themes in certain genres if I was going to be true to what I was practicing,” he explains. Afro House became the perfect outlet—allowing him to create spiritually uplifting music aligned with his values. His goal is simple yet profound: to inspire. Delour hopes his tracks carry hope, healing, and positive energy qualities shaped by his own journey through struggle, resilience, and reinvention. Delour's career began in the 1990s, including a production deal with Island Records, followed by years as a sought-after collaborator producing and programming drums for major acts such as NSYNC. While major-label success brought financial rewards, it also came with creative compromises. Reflecting on his journey, Delour recently wrote on Instagram:“I have risen, fallen, risen again… reset, restarted, reinvented. Gotten opportunities, lost opportunities. Offered $1 million, lost the contract. Rejoiced, suffered, failed and tried again. My journey feels like an eternity of hills and valleys, but one thing stayed consistent: I kept going.” Now, with clarity earned through experience, Frank Delour is fully focused on his own artistic path. “Even though the monetary success of being part of a major label was great,” he says, “the most important thing for me right now is being able to hone in on my own vision answer to no one and do it my way, at my own pace.”Become a supporter of this podcast: https://www.spreaker.com/podcast/creator-to-creators-with-meosha-bean--4460322/support.

In this episode of Slightly Spiritual, we zoom out and look at what recent pop-culture relationship shifts and breakups collectively reflect about society right now. Long-running reality dynamics like Summer House and the ongoing patterns between Kyle Cooke and Amanda Batula, we unpack how power, visibility, pressure to “keep up,” and fear of change are showing up in relationships everywhere. Cindy shares what she's sensing energetically about this break up= and what she consistently sees in client relationships—about why so many connections feel strained, repetitive, or stuck in the same cycle. We also explore what the Brooklyn Beckham conversation reveals about identity, legacy, and growing up under constant scrutiny, and how that mirrors a broader societal struggle around self-definition, autonomy, and external validation. Layered with the emotional reset of the New Moon in Cancer and the current manifesting portal energy, this episode connects the dots between pop culture, collective insecurity, and what's being asked of us right now in friendships, family, and romantic relationships, and how to respond with clarity instead of reactivity. If this episode spoke to you, subscribe and leave a review on your favorite podcast platform or share it with a friend! podcasts.apple.com/us/podcast/slig…od/id1542525641 Follow us on Instagram: www.instagram.com/slightlyspiritualpod/ Follow Cindy on Instagram: www.instagram.com/revealingsoul/ Follow Ali on Instagram: www.instagram.com/alitmoresco/

Fright Nights WV is opening for Valentine's weekend with Final Cut: ‘Til Death, a survival-horror experience that places guests directly inside the story while they navigate Valentine's-themed horror scenarios. Layered inside the attraction is Cupid Crawl, a three-stop bar crawl hidden behind secret doors and available exclusively to upgraded ticket holders. Creative Director Ashley Long joined The Haunted Attraction Network to explain how the event works and why it represents a more intentional approach to off-season programming.Read the article here.Subscribe to our newsletter here.

At this first New Moon of 2026, we move through layers of history as we meet with Pluto.

This final segment brings the week to a close with one of the most raw and honest conversations of the episode. The panel wrestles with the idea of “entertainment value” in wax and breaks, pushes back on how people rationalize losses, and digs into why regret, risk, and expected value matter more than most collectors want to admit. It's blunt, reflective, occasionally uncomfortable, and very much grounded in lived experience rather than theory. The discussion also highlights the difference between nostalgia-driven exceptions and modern price reality, why moderation keeps the hobby sustainable for most people, and how personal thresholds shape collecting behavior far more than hype ever will. Layered throughout is classic Sports Cards Live back-and-forth, humor, chat interaction, and a late-night energy that only comes when people stop posturing and start being honest. Listen on Apple Podcasts and Spotify, and join us Saturday nights on YouTube for Sports Cards Live. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jessica McCann is an award-winning historical novelist and has worked as a professional writer and journalist for more than 35 years. One of her earliest assignments as a freelance writer was covering a new surgical radiation technique for destroying brain tumors, during which she donned scrubs and observed inside the operating room. Since then, her reporting and creative nonfiction has appeared in dozens of magazines, including Business Week, The Writer, Phoenix, Raising Arizona Kids and ASU Research.McCann's debut novel, All Different Kinds of Free, was awarded the Freedom in Fiction Prize. Her second, Peculiar Savage Beauty, was named Arizona Book of the Year and shortlisted for the international Rubery Book Award. Bitter Thaw, McCann's most recent release, was named 2023 Best Indie Book by Shelf Unbound magazine and received the Gold Award for Historical Fiction from Foreword INDIES. In all her writing, McCann shares stories of ordinary people overcoming adversity to accomplish extraordinary things. Layered themes of nature, forgiveness, community, acceptance, and perseverance are another hallmark of her work.Connect: www.JessicaMcCann.comamazon.com/stores/author/B004V9UD58x.com/JMcCannWriterinstagram.com/jmccannwritergoodreads.com/jessicamccannWebsite: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://peculiarbookclub.com/⁠⁠Newsletter: ⁠⁠⁠⁠⁠https://subscribepage.io/schillacenews⁠⁠⁠⁠⁠VIP Membership: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://payhip.com/PeculiarBookClub⁠⁠⁠⁠⁠Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@PeculiarBookClub/streams⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@peculiarbookclub.bsky.social⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/groups/peculiarbooksclub⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@thepeculiarbookclub⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

On Episode 138 of The Metal Maniacs Podcast, hosts Jay Ingersoll and Modd welcome back returning guest Alex Eilers to talk about the upcoming Funeral Language record Thank You For The Dead Body, out January 20th, 2026.This episode is a deep dive into a record that feels sharper, leaner, and more direct than anything Funeral Language has released before. Jay gives his honest first impressions of the album — a sound that's fully honed in, familiar but unmistakably its own. More punk rock in spirit, zero fluff, and just 22 minutes of pure chaos, with nearly half the songs launching straight into vocals. We unpack how this approach is almost the opposite of what was discussed around the last record — and why that shift felt necessary.Alex breaks down the songwriting mindset, the aggression, the grooves, and the intentional choices that shaped the album, plus the creation of the visual and content pieces surrounding the release.Track-by-track discussion includes:Imhumane (1:25)Groove-heavy opener with added low vocals, a menacing feel, and the perfect ending touch with the Addison voicemail.Deathwish Complex (2:45)Catchy, chaotic energy with a Lowist feature, “come on come on” hooks, early punk-era Marilyn Manson vibes, and a killer sliding groove.Bailey Ruban (3:03)Layered vocals, call-out sections, discordant rhythms, Vision of Disorder–style singing, cymbal ring-outs, and ideas worth pushing even further.A Rope 2 Ways (2:52)Nonstop energy, extended screams, borderline Sam Kinison madness, vocal overload, and a hard-grooving warning section.Dead Meat (3:10)Immediate nonsense vocals, aggressive riffs, discordant slides, a nasty 2:08 groove, and perfectly timed vocal pullbacks.Whiskey Foxtrot (3:06)Descending hammer-on riffs, triplet grooves, Dillinger-style grindy chaos, cowbell and woodblock accents, and a bluesy punk rock ending.Thank You For The Dead Body (2:44)More cowbell, Every Time I Die energy, VOD-inspired vocals, and a crushing final riff with discordant guitar interplay.Rain Check (3:13)Grindy noise sections, descending melodies, ringing cymbals, and one of the most chaotic moments on the record.We also talk about:Why this record cuts straight to the pointVocals-first songwriting and immediate impactPunk influences vs metal rootsCreating visual and content pieces for the albumWhat's next for Funeral LanguageIf you're into hardcore, punk-infused metal, chaotic grooves, and honest creative evolution, this episode is a must-listen.

In this quick episode, you'll learn how layered commands in JAWS and Fusion can make complex tasks faster and easier by reducing the number of keys you need to press. The episode breaks down what layered commands are, how they work, and why they're especially useful for accessing advanced features efficiently. The training explains how to enter the command layer using JAWS key plus Space, and how single-layer commands allow you to trigger features like FSCompanion, Command Search, and other commonly used tools with just one additional keystroke. You'll also learn how commands are grouped by context—such as editing documents, messaging applications, and general system tasks. A major focus is on secondary layers, which let you access entire sets of related commands for features like Picture Smart AI, Convenient OCR, Face in View, table navigation, and volume controls. The session demonstrates how to use the question mark command to display available options within any layer, making it easier to discover and learn new commands on the fly. The episode also highlights how FSCompanion can be used alongside layered commands as a learning and reference tool, helping you explore features and commands directly within JAWS. This training is ideal for JAWS and Fusion users who want to work more efficiently, reduce keyboard complexity, and better understand the powerful layered command system built into their screen reader.

Youtube video linked below!https://www.youtube.com/watch?v=I_dABRxnA6ILinks & Socials here:https://linktr.ee/haleygutz

NEW YEAR, NEW USA - 01.04.2026 - #904 BestPodcastintheMetaverse.com Canary Cry News Talk #904 - 01.04.2026 - Recorded Live to 1s and 0s Deconstructing World Events from a Biblical Worldview Declaring Jesus as Lord amidst the Fifth Generation War! CageRattlerCoffee.com SD/TC email Ike for discount https://CanaryCry.Support   Send address and shirt size updates to canarycrysupplydrop@gmail.com   Join the Canary Cry Roundtable This Episode was Produced By:   Executive Producers Michael B*** Sir Jamey Not the Lanister*** Thomas W*** Anonymous*** LX Protocol BARON of the Berrean Protocol***   Producers of TREASURE (CanaryCry.Support) Guy L, Cage Rattler Coffee   Producers of TIME Timestampers: Jade Bouncerson, Morgan E Clankoniphius Links: JAM   ELON/TRUMP 3:46 Trump and Elon are back together (X/Elon)   VENEZUELA/TRUMP 6:00 Breaking Maduro pleads not guilty Clip: Maduro didn't know he had rights   Clip: Breaking Maduro lands on US Soil (CNN) Clip: Donroe Doctrine   → Clip: Venezuelans celebrating Maduro arrest (X) → Clip: Maduro shame drive through NY, doors open (X)    Image: Maduro Modeling, 4 different outfits in public photoshoot (X) Note: Nike fleece sells out after Maduro captured photo goes viral (NDTV)   *White House Pentagon Press Conference on Venezuela (YouTube) CLIP: Trump Threatens Columbian president Columbian president challenges trump Maduro tells trump "Come get me coward!" Clip: Even CNN was impressed with the operation   Clip: Maduro Meets with Chinese Delegation hours before raid Clip: Trump had no idea… Trump says he will sell oil to China and Russia Reuters gives run down on Venezuelan oil and minerals  Venezuelan oil reserves   Venezuelan say the oil is a price they're wiling to pay Mystery Trader made 400,000 on moduro downfall   Less than 48 hours after Venezuela, Dept. of War on Silver (X)  Trump secures silver smelter (Scottsdale Mint)   EXECUTIVE PRODUCERS 2:00:33 TALENT/TIME 2:07:18 END 2:35:32

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Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they're still spending like nothing changed, running up credit card debt and ending each month wondering where the money went. Jamie, the higher earner, is anxious about retirement and trust after years of financial surprises, while Ryan avoids money conversations and struggles with insecurity. Layered on top are a 10-year age gap, deep past trauma, and very different visions of a Rich Life. Can Ramit help them rebuild trust, create a real plan, and finally start acting like partners instead of adversaries? In this episode we uncover: • The moment Jamie learned Ryan quit his high-paying job and cashed out his 401(k) • How Ryan's breaking point at work led to a “nuclear option” decision that shifted stress from the office straight into their marriage Why earning nearly $300K still leaves them feeling broke • The trust fallout from repeated unilateral decisions, including quitting jobs, cashing out retirement accounts, and impulsive purchases • How Ryan's spending on shoes, clothes, and even a classic car mirrors patterns he watched growing up • Jamie's role as the default financial manager • The vacation-vs-things blame cycle that keeps them stuck spending instead of saving • Why hiding money in a separate savings account felt like the only way Jamie could protect their future • The uncomfortable truth behind their $13K emergency fund • How calling their own spending “stupid” and “dumb” keeps them trapped in shame instead of change • The emotional toll of living in constant financial vigilance while still spending freely on convenience and comfort • How a failed $500 spending rule exposed their lack of shared systems • The powerful influence of Midwestern money guilt, family secrecy, and conflicting childhood money messages • Jamie's past divorce and financial trauma • The shift from adversaries to collaborators Chapters: (00:00:00) “We'll just go our separate ways” (00:18:56) Ramit breaks down their numbers (00:40:49) “Smart people can make stupid choices” (00:52:26) “Can we become a team again?” (01:02:09) “Is this a Rich Life—or just a really long to-do list?” (01:14:36) “You've turned dysfunction into permission” (01:28:57) “I'm bitter that I have to pay it off” (01:39:21) Where are they now? Jamie and Ryan's follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.