Podcasts about Locking

The Agenda - Locking the Clock: Smart Stability or Risky Split from the U.S.? Plus, Oil Surges as Iran Conflict Escalates - Is Canada Too Exposed to Global Energy Shocks? (7:56) Margareta Dovgal, political commentator and resource industry analyst Richard Zussman, Western Canada Vice President of Public Affairs at Burson Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we reveal a Viva No Vegas team — a Round 1 build designed for coaches who are avoiding players involved in the early Vegas fixtures or who may miss the opening games of the season.We break down how to structure a competitive squad without relying on early-match players, where value emerges later, and how this approach can preserve flexibility while the season settles. This strategy is ideal for coaches looking to minimise early risk and make more informed decisions after the first few rounds.Join the number 1 stats provider for SuperCoach, Fantasy and Draftstars at rugbyleaguefantasypro.com. With SuperCoach changing the scoring, and making it impossible to see who averages what, RLFP is the best resource out there to get any scoring stat you need.USE CODE: INSIGHT26 for 10% off.www.rugbyleaguefantasypro.comThis episode is part of The Seven Tackle Set, the NRL SuperCoach podcast from SuperCoach Insight, formerly Insight Fantasy Sports.Check out the other shows from the pre-season: • NRL Supercoach | Seven Tackle Set Podcast Join our FREE discord here: / discord Get your FREE consult with Ryan from Astute Newstead: https://tally.so/r/n005AQ00:00 – Viva No Vegas: Building a Team From Scratch00:45 – The $1,000 League & Why This Build Matters01:45 – Locking in the Non-Negotiables03:10 – Are We Paying Up Double Hooker?04:20 – The Center Wing Cheapie Crisis05:45 – Front Row Structure: Gun + Mid-Ranger or Double Gun?07:30 – Fullback Dilemma: Turbo, Jai Gray or Value Play?09:20 – How Many Rabbitohs Is Too Many?11:30 – Munster vs Walker vs Minchella: The 5/8 Debate13:40 – IPAP, Tino or Structure First?16:20 – The Big Call: Cleary Out for Nico?19:00 – Final Team Reveal (Full Breakdown)20:45 – Captaincy Strategy: Haas VC Into Nico C22:30 – Consensus 2.0 vs The Original Team24:00 – Should You Copy This Team?Find our socials, sponsors, all our shows, join our community and become a subscriber here: https://linktr.ee/InsightFantasySports Hosted on Acast. See acast.com/privacy for more information.

El pan del Imperio Romano, la exposición de Ana Locking sobre moda, Las risas del arte con Carlos Reyero y la IA como psicóloga.

Seth and Sean react to Bryce Young sticking up for CJ Stroud on the Pivot podcast, discuss the Colts reportedly trying to lock down Daniel Jones for multiple years, assess their concern level about DeMeco reportedly not being at the Combine (it since turns out he actually is there), and see what Gennaro Filice of NFL.com has the Texans doing in the Mock Draft Injection.

Expectations were high for big returns this Gameweek but the results didn't quite live up to the predictions as popular picks struggled

Maxime Roux might just be the top up and coming rider for the 2026 season, if you can even say “up and coming”, because Maxime is all but established. Locking down his first PWT win in 2025, Maxime posts nothing but certified heat, and has tricks people dream of on tap. How many riders are doing both switch and regs crow 7s? Maxime is, and they are clean too. We are chatting wakepants, riding in France, first PWT win, La Familia, style vs. steeze, winching, injuries, and so much more. Hear all this and much more in Episode 108 of the Grab Matters podcast with Maxime Roux.Follow Maxime: https://www.instagram.com/roux_maxime/ Follow La Familia: https://www.instagram.com/la.familiaco/Thank you to this shows sponsors! Liquid Force: https://www.liquidforce.com/ Slingshot: https://slingshotsports.com/Support the show: https://www.patreon.com/GrabMattersPodcastChapters:00:00 1:00 Intro1:10 Wakepants started in France…?2:10 Favorite grab3:40 First time riding11:20 Biggest inspo13:00 LF'n Wheel of Questions16:10 First PWT win21:00 Partying with La Familia23:25 Slings Hot Takes27:30 Style vs. steeze30:20 Setup32:10 Being tall38:00 Currently/Social media51:00 Winching55:20 InjuriesLinks:Aspect Mag: https://www.instagram.com/aspectwakemag/?hl=enPizza boi: https://www.youtube.com/watch?v=RFJ_fXwUHfoRoam: https://www.youtube.com/watch?v=qTKrg7kHfcwShoot us a text!Patreon: https://www.patreon.com/GrabMattersPodcastWebsite: https://www.grabmatters.com/YouTube: https://www.youtube.com/@grabmatters/videosInstagram: https://www.instagram.com/grabmatters/TikTok: https://www.tiktok.com/@grabmatterspodcastFacebook: https://www.facebook.com/grabmatters

In this episode, The Annuity Man discussed:  Understanding what lifetime income really guarantees Separating guarantees from projections Understanding the structure before judging the product Thinking strategically about longevity timing   Key Takeaways:  A lifetime income annuity pays as long as you are alive, even in extreme medical situations. It transfers longevity risk from you to the insurance company. The guarantee is contractual, not conditional on health or account value. Many products are sold with optimistic growth illustrations, but projections are not promises. The real value lies in the contractual income guarantee. Decisions should be based on what must happen, not what might happen. Taxation depends on the type of account funding the annuity, not the annuity label itself. Payout structures like life with a cash refund determine what heirs receive. Clarity on structure prevents confusion and costly assumptions. If life expectancy continues to rise, future payout rates may decrease. Locking in income today could secure stronger lifetime payments. Timing is a strategic response to longevity risk.   "All lifetime income from all lifetime income products… is a combination of return of principal plus interest." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

You might not know Jack Thorne's name but you'll definitely know his work. He's the award-winning writer behind Adolescence, Skins, This is England and Harry Potter and the Cursed Child.For years, he has created intense, thought-provoking dramas - stories that speak to millions of us around the world. His work doesn't just entertain, it creates conversations about who we are and the world we live in. I loved this conversation with Jack. What surprised me most was learning that behind his success is someone who grew up feeling like he didn't quite belong. It was through his writing that Jack found his purpose: telling stories that matter. We cover: Locking eyes with Leonardo DiCaprio during his Golden Globes speechAdolescence and the dark side of social media E.T. - the film that made Jack fall in love with cinema His creative partnership and friendship with Stephen GrahamHow his autism diagnosis helped him make sense of his pastIf you take one thing from this conversation, let it be this: stories have a quiet power to help us see the world, and ourselves, a little differently.You can watch Jack's Lord of The Flies series now. All episodes are available on BBC iPlayer. Jack Thorne is Great Company. If you enjoyed the show, you can also follow us: Instagram- @greatcompanypodcastTikTok - @greatcompanypodcast And if you've got thoughts, questions and comments, you can email us at: greatcompany@jampotproductions.co.uk This episode is sponsored by The AA, the UK's No.1 breakdown provider. It's OK with the AA, they're the fastest major breakdown provider with more patrols up and down the country, 24/7, 365 days a year. So, if you want that peace of mind and be back on the road in no time - Join today at theaa.com/Great T&Cs apply. Verify claims at theaa.com/bestTHE CREDITS Executive Producer: Ewan Newbigging-ListerProducer: Helen Burke & Jack ClaramuntAssistant Producer: Issy Weeks-HankinsVideo: Jake Ji & Josh BennettSocial Media: Laura CoughlanAudio: Rafi Amsili Geovannetti Great Company is an original podcast from JamPot Hosted on Acast. See acast.com/privacy for more information.

Facilitator: PeteTopics:   Switching to unified view;  Unmuting with one-tap call on phone;  Unsubscribing from Amazon;  Changing name in Zoom;  Selecting cell providers;  Multiple name entries;  Copied items; Locking phone on One-Tap Mobile;  A way to read columns;  How to read across;  Focus switches while on call; Message notifications repeating;  Switching multiple calls;   Difference in banner and full screen;    Hearing echoing on phone;  Saving message threads;  Brail Screen input;   Using spacial sound;  Blocking a message sender; Focus announcing time;  Recording quick voice memos; iBytes:  Pinning Contacts in the Messages App and More (Pete Lane)

Reach out and touch us: shiftlesslive@gmail.comThe hosts record at Casa Verde after recent technical issues and discuss upcoming Fam Food Adventure Memories dinners. Bike topics include Schwalbe entering the 32-inch tire market across mountain, gravel, and reportedly road, plus a rumor of a major brand debuting a 32-inch bike at Sea Otter. They discuss a theory that brands are trying to convert post-COVID gravel buyers who aren't “N+1” riders by offering more stable, confidence-inspiring mountain bikes to expand participation. They talk about the Salsa full-suspension gravel e-bike (Class 3, ~40 lb, 2.2" tires, ~50-mile range) with a high price, and debate who the market is for. They also review the Salsa Stormchaser (frameset vs complete pricing, sliding dropouts, ability to fit 2.2" tires) and discuss bottom bracket standards (criticizing press-fit). The episode covers New Jersey's new law treating any e-bike as a motorcycle (lights, mirror, DOT helmet, plate/registration, insurance) and predicts more sweeping enforcement elsewhere due to high-speed e-bike accidents. The conversation branches into parallels with the gun industry's COVID boom, long-range shooting training to 800 yards, safety and education, and how event organizers manage participant risk. They close with planning notes for Trinity Trio (moved to Sunday the 15th, ~100 miles full route) and conclude with the host heading to Whitesboro to document the kitchen and refrigeration setup.00:00 Mic Check Mayhem: Are We Actually Recording?00:38 Welcome to Shiftless at Casa Verde (Weather, Vibes, Pool Talk)01:21 What's on the Agenda: 32-inch Wheels, E-Bikes & New Laws02:43 FAM Food Adventure Memories Sponsor + Dinner Schedule Updates04:50 January Dinners Canceled: Snow Forecasts, Ice, and Event Chaos07:11 Gravel Road Conditions After the Storm: Potholes, Chunk & Predictions10:21 February 28 FAM Dinner Promo + Menu Tease12:38 Sbarro in New York: The ‘Good Slice' Misunderstanding Storytime16:58 Back to Bikes: Schwalbe Enters 32-Inch Tires + Road/UCI Speculation18:37 The Big Theory: Turning Gravel Newbies into N+1 Riders via MTB22:13 Training Slump & Sick Weeks: Getting Back on the Bike23:16 Salsa Stormchaser Deep Dive: Dropouts, 2.2" Clearance & Build Options28:39 New Salsa Wander: Full-Suspension Gravel E-Bike Arrives29:13 Teal Talk & First Impressions of Salsa's New Gravel E‑Bike30:02 Specs Breakdown: Range, Weight, Tires, Class 3 Speed—and the $13K Question33:46 Salsa Lineup Rumors: Warbird, Spearfish, Name Changes & What's “Coming Soon”35:47 All‑Road vs Gravel: Surly Midnight Special, Industry Identity Crisis & COVID Hangover36:47 SHOT Show Parallels: Forecasting, N+1 Culture, and the ‘Year of the Suppressor'40:15 Range Life: Long‑Range Qualification, Training Layers, and Why Suppressors Rule47:00 Insurance, Scuba Tragedy & Event Risk—From Cave Diving Rules to Gravel Shenanigans54:05 Running Safer Gravel Events: New Rider Handholding, Self‑Responsibility & 101 Clinics01:00:12 Beginner Progression: Gear Overwhelm, Skill Layering, and Building a Real Training Program01:03:09 Back to Riding: Garmin Recovery Shock & Texas Chainring Massacre Weather Check01:05:05 Windy, deceptively cold night ride (wet bulb & layering mistakes)01:06:45 Whitesboro food service plan + kitchen/fridge scouting01:07:54 Locking in March dates & moving Trinity Trio to Sunday01:09:06 Trinity Trio route breakdown: Gateway–Sansom–River Legacy mileage01:09:48 What bike (or e-bike) works? Drop-bar MTB, battery range, and trail rules01:12:32 North Shore e-bike permits & class confusion (Class 1 vs Class 3)01:15:16 New Jersey's sweeping e-bike law—and why more places may follow01:23:49 Kids, risk, and consequences: storms, accidents, and learning the hard way01:32:51 Urban legends & the information age (Screaming Bridge)01:33:58 Industry news roundup: Eurobike drama, layoffs, Sea Otter, and trade shows01:39:49 Wrap-up: off to Whitesboro and closing thoughts

How do short-term market swings impact long-term retirement plans—and should you actually do anything when volatility spikes? In this episode of The Market Moment, Matt and Eli break down what recent market volatility really means for investors, especially those in or nearing retirement. While the headlines may focus on pullbacks in big tech and daily market swings, the bigger question is whether short-term events should change a well-built financial plan. The conversation explores why volatility is historically normal, how bull markets regularly include 5–20% pullbacks, and why reacting emotionally can derail long-term outcomes. Using real data—from S&P 500 down days to the impact of missing just a handful of the market's best days—Matt and Eli explain why discipline and preparation matter far more than prediction. They also dive into current market rotation, with money shifting away from large-cap tech and into sectors like energy, consumer staples, and international markets. For diversified investors, this shift may actually be a healthy and overdue development. Most importantly, the episode focuses on retirement planning: how to structure income, why holding accessible cash can provide decision-making confidence, and how setting realistic return expectations (not 12% per year) helps build a plan that can withstand five to ten years of uncertainty. Key topics include: ➡️ How short-term volatility impacts long-term retirement plans ➡️ Why intra-year drawdowns are completely normal—even in positive years ➡️ The surprising number of 1% down days in a typical year ➡️ Why missing the market's best days can dramatically hurt returns ➡️ V-shaped recoveries and emotional decision-making ➡️ Sequence of returns risk in retirement ➡️ The importance of diversification during market rotation ➡️ Growth vs. “boring” sectors outperforming in 2025 ➡️ Setting realistic return expectations for moderate portfolios ➡️ Why having a plan before volatility hits changes everything.   The episode wraps with a reminder that good markets are the best time to prepare for difficult ones. Locking in gains, managing risk, and building an income strategy before volatility shows up can make all the difference when it does.   Enjoyed the episode? Don't forget to:

This week, Thea sits down with Audrey for a mid-process check-in on what "locking in" actually looks like when you're committed to doing it differently this time. This is the unglamorous, honest conversation about what happens when high-achieving women try to expand their lives without repeating the patterns that led to burnout in the first place.We end up in the middle of a frank discussion with no concrete answers about the difference between producing and protecting the experience, the value of training foundational practices instead of relying on talent and tenacity, and why the finish line matters less than the discipline of showing up (even inconsistently!). If you've ever felt frustrated when rebuilding feels slower than the shortcuts you took before this conversation will feel like permission to do hard things at a more human pace.TL;DR ...Why the rhetoric around "locking in" rarely includes the messy, frustrating middle of the process.Training small muscles with lighter weights instead of relying on big movements and talent to power through.How comparing your current chapter to your own past production levels creates a different kind of pressure than external comparison.The critical distinction between producing outcomes and protecting the experience of your life.Why structure isn't the enemy of creativity, but the foundation that allows high performers to expand without breaking down.What it means to rebuild practices from the ground up when you've spent years skipping foundational steps, and why that process feels frustratingly slow.The role of friendship, wisdom, and delusion in equal measure when navigating the gap between where you were and where you're headed.How to navigate the tension between optimization and pace, especially when you feel the pressure of time.Where to Go From HereYour turn: What hit home? Are you caught between chapters, rebuilding practices, or navigating the messy middle of sustainable ambition? Tag Thea @thea.does.all.the.things and Audrey @audreyetta and let's keep this conversation going.Trade frustration for framework: Download the Cowgirls Over Coffee Playbook, your quick-win guide to building sustainable practices that support doing it all well without burnout.You've entered the group chat: Subscribe to the podcast, share this episode with a friend who's done with toxic productivity culture, and keep coming back for conversations that honor both your ambition and your humanity.

Every enterprise is building an AI stack, but most are doing it wrong. In this episode, Ross breaks down a tactical, use-case-driven framework for building an AI stack that actually works. If you're a marketer, operator, or executive looking to leverage AI strategically (without blowing your budget or ignoring compliance), this episode gives you the structure you need to win. Key Takeaways and Insights: 1. The Hard Truth About Enterprise AI - Most companies choose AI tools based on hype, not strategy. - Vendor pitches and social buzz are driving long-term contracts. - Locking into the wrong platform can create scaling and security nightmares. - The AI landscape changes weekly, three-year commitments require serious thought. 2. There Is No “Best” AI Tool - The right question isn't “What's best?” but “What's best for this use case?” - Different teams (marketing, engineering, finance) need different tools. - Constraints, industry, and goals should guide tool selection. - Build a stack…Don't look for a silver bullet. 3.  The 5-Layer AI Stack Framework - Layer 1: Writing & Communication Tools - Layer 2: Research & Analysis - Layer 3: Code & Technical Execution - Layer 4: Automations & Workflow Integration - Layer 5: Security & Compliance 4. Training, Ownership & Continuous Improvement - AI adoption fails without real, ongoing training. - Appoint an AI stack owner responsible for optimization and updates. - Create internal systems (e.g., Slack channels) to share prompts and workflows. - Capture institutional knowledge so it doesn't leave with one employee. 5. Start Small, But Start Strategic - Don't wait for “the perfect moment.” AI is already reshaping competition. - Experiment but build security and compliance from day one. - Budget realistically for training, tools, and maintenance. - Strategic AI adoption is a long-term competitive advantage. Resources & Tools:

G-d has just promised Abraham children and a land to inherit. And then Abraham has the audacity to ask G-d: "How will I know that I will inherit it?" How could he ask that? He fears that his descendants will do something to lose everything. Abraham wants to ensure this doesn't happen.G-d answers with a covenant. He tells Abraham to bring specific animals and cut them in half, placing the pieces opposite each other. This was how treaties were made in the ancient world.Then, as the sun sets, a deep sleep falls on Abraham. Along with it comes dread, darkness, and great darkness. Four states for four exiles. G-d shows Abraham what's coming. All of it. Every exile, every persecution, every tragedy his descendants will endure. And then G-d presents a choice. The first choice: a comfortable life in this world, but no guarantee beyond it. The other one: suffering, trials, exile, but a lock on eternity. Abraham sees the full weight of what the second choice means. He sees it all. And he chooses the world to come.This is where the Jewish people become the Jewish people. Not through an easy promise, but through a covenant sealed in blood and fire. G-d promises the land from the river of Egypt to the Euphrates. When Joshua leads the people into Israel centuries later, they conquer seven nations. The other three? Those are waiting for the messianic era.This episode walks through the Covenant Between the Pieces, the moment everything changed, and what Abraham's choice means for every generation that follows.

The All Whites have locked in a fixture with fourth-ranked England in Florida as part of their World Cup football preparations. The match will be held on June 7, New Zealand time, at an as yet unconfirmed venue. New Zealand Football boss Andrew Pragnell told Mike Hosking they've earned the fixture. He says every team is looking for fixes ahead of those critical world cup games, but over the last few years the All Whites have been attracting stronger and stronger opposition from around the world. It's the highest ranked opponent the All Whites have secured in 17 years, and the first time they've played England since 1991. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Miracles can happen on Christmas Eve.Based on a post by auguy86, in 2 parts. Listen to the ► Podcast at My First Time.Ken Dix flipped through the TV guide at a moderate pace; “500 channels, and nothing but Christmas specials on.”Finding nothing but disappointment at every turn. As it was Christmas Eve, every show was a mushy feel-good romp spouting lines about family and goodwill to others. None of that spoke to Ken in the slightest.“Ken?” a voice came from the kitchen.“What’s up, Mom?”“I’ve got my hands full with making everything for dinner tonight, but I’m going to run short on a couple of ingredients,” Helen Dix said, poking her head into the living room. “Can you run to the store real quick for me please?”“Sure thing,” Ken replied, seeing as he had nothing better to do.“Great, thank you. I made a list on the counter for you. The store should be open for another hour or two. The main things would be the eggs; I don’t have enough to finish my famous chess pie. If they have tea by the gallon, grab one sweet and one unsweet. The rest are great if you find them, but not essential.”“Got it,” Ken said as he took the list from the counter.Heading out to his car, Ken cranked up his Honda Civic and pulled out of the driveway. As he made his way into town, Ken reflected on his current situation. Though he loved his mom, being home for the holidays was always nerve-wracking for him. His hometown of Alpharetta, Georgia was crawling with former high school classmates of his, people he’d just as soon never see again. But up at MIT, he was actually among peers that he could relate to on an intellectual level. Not that he’d made that many friends up there. As a nineteen-year-old freshman, he was still stuck in the same boring math and science classes as everyone else. He couldn’t wait until he could start his health sciences training. Maybe then he could meet some decent people, perhaps of the female variety.Ken soon arrived in the parking lot of the local Kroger. It was soon obvious that the place was packed with last-minute shoppers, all trying to find that one final ingredient they were missing. Locking his car, Ken sauntered into the store, grabbing a shopping basket along the way. He found the shelves of the store well picked over, striking out on the nonessential items on his mom’s list. Making his way to the drinks aisle, he was pleased to see that the store was keeping the gallon jugs of tea well stocked for the holidays, and picked up a pair.Ken soon arrived in the refrigerated section of the store. Almost every shelf was empty, but he did manage to find one last carton of six eggs, just what his mom needed. Depositing the carton in his shopping basket, Ken made his way back to the front of the store, checking out in the express lane. He gripped the shopping bags tightly, being careful that the eggs weren’t harmed from the swinging of the bags. Arriving back in the parking lot, he was pleasantly surprised to see one of his former classmates, Jacqueline Brown. As he approached, she saw him coming.“Ken? Kenneth Dix?”She was extremely pretty, as was befitting one of the most popular girls in school, and kept her chestnut-brown hair cut just below her jawline. Her soft, warm facial features and bubbly personality belied the sharp intellect hiding underneath. She and Ken had been partners a few times in various subjects, and he had helped craft her entrance essay to the University of Washington. This earned her a full ride scholarship. In spite of her popularity, they had worked well together, and Ken even dared to call her a friend, at least in his own mind. They had never hung out on a social basis; her circle of friends would never have let her live that down. Still, times had changed. They were both out of high school, after all. What could it hurt to ask?“Jacqueline? Wow, I never thought I’d see you back here. Thought you escaped to cooler climates?”“Yeah, Seattle is nice, but nothing beats Christmas at home,” she replied, adjusting her UW sweatshirt. “You back for the same reason?”“Uh huh. Mom pretty much insisted. She won’t settle for anything less than a full family gathering on Christmas Eve. I’m just grabbing a few last things for her. But yeah, it’s great seeing you again. You, uh, you look good.”“Um; thanks,” she replied with hesitation.“I’m, uh, gonna be home for a couple of weeks. Would you want to, I don’t know, hang out sometime? Maybe grab a bite to eat? My treat.”“Well, Ken, that’s sweet of you to ask.” she said almost to herself. As she paused, her eyes suddenly lit up as if she had gotten an idea. “Alright! Here, let me give you my number.” She scribbled a series of digits down on a scrap piece of paper, writing her name next to them. “I’ll, um, talk to you later, I guess?”“Sounds great!”Ken couldn’t believe it; he had actually done it! He had asked out the prettiest girl he had ever known! Moreover, she had given him her number! Things were definitely looking up.“Dick!” a voice behind them yelled.Ken turned, immediately recognizing Jason Brown, Jacqueline’s fraternal twin brother, along with his two flunkies, Brian and Barrett Sullivan. Jason had been the star quarterback at his high school, and the Sullivan boys were his best offensive linemen. They often served as his muscle off the football field, as well. Ken was intimately familiar with these three, as they had made it their mission in high school to make his life a living hell. Being stuffed in lockers, having his wallet stolen, all were commonplace with them. The three approached, attempting to appear imposing, which they were from the perspective of the ever-scrawny Ken.“I’ve got nothing to say to you guys,” Ken muttered as they approached.“Well I’ve got something to say to you, Mr. Kenny Dick,” Jason growled.“Just shut up and leave me alone,” Ken replied, his blood boiling at the use of Jason’s longtime nickname for him.“No! You shut the fuck up and listen!” Jason said, grabbing Ken by the collar of his tee-shirt and flinging him against his car. In the process, Ken dropped his shopping bags, the jugs of tea landing directly on the egg carton.“Jason! Stop it!” Jacqueline protested.Undeterred, Jason threatened. “Listen fuck-wad, you stay the hell away from my sister!”“She’s an adult, dickhead! She can have anyone she wants as a friend!” Ken protested.“You don’t belong on the same Planet as her! You’re nothing’! A pathetic sack of guts your dumbass mother decided to give a name to! Know what? Just do us all a favor and drop dead!”Enraged at the insult to his mom, Ken swung a wild haymaker at his assailant, but Jason was more than ready, pinning Ken’s arm back against his car. Jason then delivered a crushing punch to Ken’s gut, dropping him down to his knees. Before leaving, Jason knelt down next to his gasping victim.“Next time, I won’t be so nice. Next time; I might just kill you myself. See ya around. Dick.” Turning to his sister, Jason said, “Come on, time to go home.”Jacqueline looked down at the pitiful form of Ken before muttering, “Sorry, Ken.”The trio of boys sauntered off across the parking lot, laughing and high-fiving at their antics. Jacqueline followed right behind them. Ken picked himself up and inspected his groceries, discovering the crushed eggs in his bag. Swearing and cursing, he grabbed the misshapen carton and went to throw it in a nearby trash can.“No chess pie tonight.”As Ken returned to his car and began his drive home, Jason and his flunkies watched on from his car, still pleased with their efforts.“You shouldn’t have done that,” Jacqueline said in a lecturing tone.Jason turned to face his sister. “I do what I gotta do, Jacqueline. That fuck-wad has no business getting friendly with you. He needs to learn his place.”“Be that as it may, I can take care of myself,” she replied firmly.“Take care of yourself? Wait; you didn’t?”“I did. Jason, someday you’ll learn that there are more subtle and effective ways to ward off undesirables. Trust me, Ken won’t bother me ever again.”Back at Home.Upon arriving back home, Ken couldn’t bring himself to tell his mom about the incident with the eggs. He instead told her that the store had run out altogether. She had spent many sleepless nights in the past worrying about the constant bullying her son was subjected to in school. Ken didn’t want to give her anything else to worry about. By this time, has uncles had started arriving, and the living room was soon filled with the sounds of football games. In Ken’s mind, these were no more thought provoking that the mindless Christmas specials he had found earlier. Ken went up to his room to take a hot shower, as well as get some alone time in the process. As he stripped down, he saw a bruise beginning to form on his stomach from Jason’s punch. He winced in pain as he touched the tender skin.Shit; that’s not going away for a while.Ken took some Tylenol for the pain before stepping into the shower. The hot water helped relax his body, and the steam gradually built up, clearing his mind a bit. He finished after a while and, after making sure his door was shut, flopped facedown onto his bed. After laying there for around an hour or so, his mom finally called him down to rejoin the family for dinner.Taking his seat at the table, Ken glanced around the room at his various family members. His mom had two older brothers, Lee and Stan. Though Lee was tall and still relatively youthful looking at forty-five, Stan was shorter and beginning to bald as he approached fifty. Still, both of them had one notable thing in common as far as Ken was concerned: they were both still jocks at heart. Ken had never known his father; it had always just been him and his mom. He could tell that his uncles tried to be male role models for him, but their efforts were usually ill-conceived attempts to “man him up.” Never once did they understand his introverted tendencies, and always tried to get him to be more of a people person. After a while, Ken stopped paying their advice any attention.It was striking to Ken how similar Lee and Stan’s families were. They had both married beautiful, blonde cheerleaders, and now both had sixteen-year-old daughters, both of whom were among the most popular girls in school. It all sickened Ken; they were just perpetuating the stereotype of pretty and popular being the be-all, end-all in life. As the family ate, Ken remained silent for the most part. The adults were engrossed in discussions about their jobs, and the two daughters were giggling and playing on their phones the entire time. None of this was relevant to Ken.“You know, I saw something interesting today,” Lee said as dessert was being brought out. “I was at Kroger filling up my car, and saw you in the main parking lot, Ken. Looked like you were, uh, having some words with a few guys out there.”Shit! He saw that?Not wanting to worry his mom, Ken replied, “It; it was nothing.”“Nothing, eh? Is that why that punk punched you in the gut?”With a worried look on her face, Helen asked, “Ken, sweetie, what is he talking about?” She walked around the table to Ken’s seat and lifted up his shirt, seeing the bruise on his abdomen. “Was it that Jason boy again?”“Mom, just let it go.”“No! Ken, you know I worry about you!”“You worry about Me? I think you need to worry more about your brother!” Ken shouted, his anger exploding at last. “Right, Uncle Lee? Come on, you see your own nephew being ganged up on in a parking lot, yet you do nothing to help him out?!”“A man’s gotta learn to fight his own battles,” Lee replied in a calm voice.“No. You want to know what a man does? A man sticks up for his Family! No. Matter. What! You stood there and watched your own nephew get beaten up. That says a hell of a lot more about you than it does me. And if that’s family; I don’t want any part of this one.”Without a word, Ken stood and left the dining room. He then grabbed his MIT hoodie and headed for the front door. As he was about to get into his car and drive off, he saw to his frustration that his uncles’ cars were parked in the driveway behind him, blocking him in. Cursing under his breath, he prepared to leave on foot.“Ken! Come back inside, please!” Helen called after him, running down the driveway.“No. I’ve got to go out; clear my head.”“Ken, it’s Christmas Eve. Please, come be with your family.”“Mom, aside from you, not a single person in that house feels like family to me,” Ken replied coldly. “I’ll; I’ll call you after while.”Ken walked off into the cold Georgia night, not knowing for sure where to go or what to do. Nobody else was out, as they were all at home with their families. Remembering the square in historic downtown Alpharetta, he decided to head in that direction. Maybe the quiet walk would do him some good.Arriving in the town square, Ken walked along the sidewalks for a bit, peering into the darkened windows of the various shops and restaurants. Everything looked so different to him with everyone gone for the day; it all seemed so peaceful. As he continued to walk, he soon saw City Hall in the distance. In front of the building was a large green space, which was teeming with a surprising amount of activity for it being Christmas Eve. Ken moved closer, now spying a large gathering of people sitting on picnic blankets, all bundled up in coats and hats. Ahead of them, a large screen projected the classic film, It’s a Wonderful Life.Though Ken was never into the Christmas cheer, as it were, he felt strangely drawn to watch a few minutes of the film from a distance. He soon began to regret that decision, as the movie had reached the point where George Baily had an arrest warrant out for him, lashing out at his family in anger. Watching him get drunk and punched in a bar fight, Ken began to feel sick with anger. Despite all his efforts to help better the world around him, the universe conspired against George Baily; just as it seemed to be conspiring against Ken. Unable to watch a moment more, he turned and walked into the nearby park.Again alone with his thoughts, Ken sat on a bench near the fountain in the center of the park. He contemplated many things, as he often did in solitude. He thought about his piss poor excuse for a family, intent on changing him into what they say he should be. If only they could love him as he is. He thought about Jason Brown, a perpetual asshole that managed to get all the beautiful women his heart desired. If only the universe would serve up his just desserts, rather than conspiring against Ken. Sighing in frustration, he stuffed his freezing hands into his jeans pockets.Jacqueline!Feeling the scrap of paper still in his pocket, Ken suddenly felt a glimmer of hope in an otherwise dreary day. He needed something, anything to lift his spirits, and hearing her kind, sweet voice might just do it. Hell, he didn’t even care anymore if she was interested in him in a romantic sense; he just needed someone to listen and understand him. Digging out his phone, he dialed the number. After a single ring, a message began to play, seeming to be read by a game show host.“Congratulations! You’ve reached Live 95.5 FM’s world-famous Loser Line! Live 95.5; featuring the best entertainment in Seattle! If you’ve reached this message, you have attempted to hit on a girl Way out of your league! That poor young lady wants nothing to do with you, but you just couldn’t help creeping on her! That’s where we come in! Now you know what a loser you really are! So leave the girl alone, loser! You’re doing everyone a favor! If you’d like to leave a message for the world-famous Loser Line, begin speaking at the tone!”Beep!Ken hung up the phone in quiet disbelief. How could he have been so wrong about Jacqueline? They had worked so well together in school, and he even considered her a friend! She always spoke so kindly to him, how could this have happened? Was she really as nasty and shallow as her dumbass brother? Was she really just that good of an actress? As he pondered all this, Ken’s rage finally exploded out of him.“That two-faced bitch! Who the fuck does she think she is?! I trusted her! Hell, she would never have gotten a full scholarship without my help! All I ever did was Like her! And after all that, she doesn’t even have the decency to turn me down to my face?! What The Fucking Hell? At least her brother was honest about his disdain. She’s far worse! I can’t imagine how evil she’d be if a person actually offended her?”Slumping back down onto the park bench, every thought that entered Ken’s mind brought him lower. Jason was an ass, but then again, he didn’t know how to act any different. Uncle Lee was a moron, but then again, he had no malicious intent. But Jacqueline; she was the last straw. He had trusted her, opened up to her, and she repaid him by committing the single most cruel and senseless act Ken could ever imagine. Everything was crashing down around him. As he continued to sulk, Jason’s words entered into his mind once more.“I should just do everyone a favor and drop dead; is that what you want, Jacqueline? Seems like you agree with your brother, or you wouldn’t have given me that number.”Ken reached into his pocket, withdrawing a folding knife. It had been a high school graduation present to him from his grandfather, before he passed a few months later. A far cry from the typical Swiss Army knife, he unfolded the shiny, four-inch blade, which stood in beautiful contrast to the wooden handle. Inscribed in the wood were Ken’s initials. He had not used it for anything yet, never had any need to. As he stared at his reflection in the blade, Ken kept replaying Jason’s cruel words in his mind, to do the world a favor and drop dead.“Maybe that’s not such a bad idea.” Ken mumbled.Just as he took a firm grip on the handle, preparing to take the knife to his throat, an unfamiliar voice came from off to the side.“Hey!”Gabrielle’s Christmas night.Gabrielle Libertine relaxed in a lawn chair, savoring the crisp, cold air of Christmas Eve. This was her favorite time of the year, and being able to enjoy an outdoor showing of her favorite Christmas film, It’s a Wonderful Life, made it even better. It all fit in perfectly with her life philosophy: live for happiness. Not only her own, but as much as could be had for the world around her too.“You want the moon? Just say the word, and I’ll throw a lasso around it and

Miracles can happen on Christmas Eve.Based on a post by auguy86, in 2 parts. Listen to the ► Podcast at My First Time.Ken Dix flipped through the TV guide at a moderate pace; “500 channels, and nothing but Christmas specials on.”Finding nothing but disappointment at every turn. As it was Christmas Eve, every show was a mushy feel-good romp spouting lines about family and goodwill to others. None of that spoke to Ken in the slightest.“Ken?” a voice came from the kitchen.“What’s up, Mom?”“I’ve got my hands full with making everything for dinner tonight, but I’m going to run short on a couple of ingredients,” Helen Dix said, poking her head into the living room. “Can you run to the store real quick for me please?”“Sure thing,” Ken replied, seeing as he had nothing better to do.“Great, thank you. I made a list on the counter for you. The store should be open for another hour or two. The main things would be the eggs; I don’t have enough to finish my famous chess pie. If they have tea by the gallon, grab one sweet and one unsweet. The rest are great if you find them, but not essential.”“Got it,” Ken said as he took the list from the counter.Heading out to his car, Ken cranked up his Honda Civic and pulled out of the driveway. As he made his way into town, Ken reflected on his current situation. Though he loved his mom, being home for the holidays was always nerve-wracking for him. His hometown of Alpharetta, Georgia was crawling with former high school classmates of his, people he’d just as soon never see again. But up at MIT, he was actually among peers that he could relate to on an intellectual level. Not that he’d made that many friends up there. As a nineteen-year-old freshman, he was still stuck in the same boring math and science classes as everyone else. He couldn’t wait until he could start his health sciences training. Maybe then he could meet some decent people, perhaps of the female variety.Ken soon arrived in the parking lot of the local Kroger. It was soon obvious that the place was packed with last-minute shoppers, all trying to find that one final ingredient they were missing. Locking his car, Ken sauntered into the store, grabbing a shopping basket along the way. He found the shelves of the store well picked over, striking out on the nonessential items on his mom’s list. Making his way to the drinks aisle, he was pleased to see that the store was keeping the gallon jugs of tea well stocked for the holidays, and picked up a pair.Ken soon arrived in the refrigerated section of the store. Almost every shelf was empty, but he did manage to find one last carton of six eggs, just what his mom needed. Depositing the carton in his shopping basket, Ken made his way back to the front of the store, checking out in the express lane. He gripped the shopping bags tightly, being careful that the eggs weren’t harmed from the swinging of the bags. Arriving back in the parking lot, he was pleasantly surprised to see one of his former classmates, Jacqueline Brown. As he approached, she saw him coming.“Ken? Kenneth Dix?”She was extremely pretty, as was befitting one of the most popular girls in school, and kept her chestnut-brown hair cut just below her jawline. Her soft, warm facial features and bubbly personality belied the sharp intellect hiding underneath. She and Ken had been partners a few times in various subjects, and he had helped craft her entrance essay to the University of Washington. This earned her a full ride scholarship. In spite of her popularity, they had worked well together, and Ken even dared to call her a friend, at least in his own mind. They had never hung out on a social basis; her circle of friends would never have let her live that down. Still, times had changed. They were both out of high school, after all. What could it hurt to ask?“Jacqueline? Wow, I never thought I’d see you back here. Thought you escaped to cooler climates?”“Yeah, Seattle is nice, but nothing beats Christmas at home,” she replied, adjusting her UW sweatshirt. “You back for the same reason?”“Uh huh. Mom pretty much insisted. She won’t settle for anything less than a full family gathering on Christmas Eve. I’m just grabbing a few last things for her. But yeah, it’s great seeing you again. You, uh, you look good.”“Um; thanks,” she replied with hesitation.“I’m, uh, gonna be home for a couple of weeks. Would you want to, I don’t know, hang out sometime? Maybe grab a bite to eat? My treat.”“Well, Ken, that’s sweet of you to ask.” she said almost to herself. As she paused, her eyes suddenly lit up as if she had gotten an idea. “Alright! Here, let me give you my number.” She scribbled a series of digits down on a scrap piece of paper, writing her name next to them. “I’ll, um, talk to you later, I guess?”“Sounds great!”Ken couldn’t believe it; he had actually done it! He had asked out the prettiest girl he had ever known! Moreover, she had given him her number! Things were definitely looking up.“Dick!” a voice behind them yelled.Ken turned, immediately recognizing Jason Brown, Jacqueline’s fraternal twin brother, along with his two flunkies, Brian and Barrett Sullivan. Jason had been the star quarterback at his high school, and the Sullivan boys were his best offensive linemen. They often served as his muscle off the football field, as well. Ken was intimately familiar with these three, as they had made it their mission in high school to make his life a living hell. Being stuffed in lockers, having his wallet stolen, all were commonplace with them. The three approached, attempting to appear imposing, which they were from the perspective of the ever-scrawny Ken.“I’ve got nothing to say to you guys,” Ken muttered as they approached.“Well I’ve got something to say to you, Mr. Kenny Dick,” Jason growled.“Just shut up and leave me alone,” Ken replied, his blood boiling at the use of Jason’s longtime nickname for him.“No! You shut the fuck up and listen!” Jason said, grabbing Ken by the collar of his tee-shirt and flinging him against his car. In the process, Ken dropped his shopping bags, the jugs of tea landing directly on the egg carton.“Jason! Stop it!” Jacqueline protested.Undeterred, Jason threatened. “Listen fuck-wad, you stay the hell away from my sister!”“She’s an adult, dickhead! She can have anyone she wants as a friend!” Ken protested.“You don’t belong on the same Planet as her! You’re nothing’! A pathetic sack of guts your dumbass mother decided to give a name to! Know what? Just do us all a favor and drop dead!”Enraged at the insult to his mom, Ken swung a wild haymaker at his assailant, but Jason was more than ready, pinning Ken’s arm back against his car. Jason then delivered a crushing punch to Ken’s gut, dropping him down to his knees. Before leaving, Jason knelt down next to his gasping victim.“Next time, I won’t be so nice. Next time; I might just kill you myself. See ya around. Dick.” Turning to his sister, Jason said, “Come on, time to go home.”Jacqueline looked down at the pitiful form of Ken before muttering, “Sorry, Ken.”The trio of boys sauntered off across the parking lot, laughing and high-fiving at their antics. Jacqueline followed right behind them. Ken picked himself up and inspected his groceries, discovering the crushed eggs in his bag. Swearing and cursing, he grabbed the misshapen carton and went to throw it in a nearby trash can.“No chess pie tonight.”As Ken returned to his car and began his drive home, Jason and his flunkies watched on from his car, still pleased with their efforts.“You shouldn’t have done that,” Jacqueline said in a lecturing tone.Jason turned to face his sister. “I do what I gotta do, Jacqueline. That fuck-wad has no business getting friendly with you. He needs to learn his place.”“Be that as it may, I can take care of myself,” she replied firmly.“Take care of yourself? Wait; you didn’t?”“I did. Jason, someday you’ll learn that there are more subtle and effective ways to ward off undesirables. Trust me, Ken won’t bother me ever again.”Back at Home.Upon arriving back home, Ken couldn’t bring himself to tell his mom about the incident with the eggs. He instead told her that the store had run out altogether. She had spent many sleepless nights in the past worrying about the constant bullying her son was subjected to in school. Ken didn’t want to give her anything else to worry about. By this time, has uncles had started arriving, and the living room was soon filled with the sounds of football games. In Ken’s mind, these were no more thought provoking that the mindless Christmas specials he had found earlier. Ken went up to his room to take a hot shower, as well as get some alone time in the process. As he stripped down, he saw a bruise beginning to form on his stomach from Jason’s punch. He winced in pain as he touched the tender skin.Shit; that’s not going away for a while.Ken took some Tylenol for the pain before stepping into the shower. The hot water helped relax his body, and the steam gradually built up, clearing his mind a bit. He finished after a while and, after making sure his door was shut, flopped facedown onto his bed. After laying there for around an hour or so, his mom finally called him down to rejoin the family for dinner.Taking his seat at the table, Ken glanced around the room at his various family members. His mom had two older brothers, Lee and Stan. Though Lee was tall and still relatively youthful looking at forty-five, Stan was shorter and beginning to bald as he approached fifty. Still, both of them had one notable thing in common as far as Ken was concerned: they were both still jocks at heart. Ken had never known his father; it had always just been him and his mom. He could tell that his uncles tried to be male role models for him, but their efforts were usually ill-conceived attempts to “man him up.” Never once did they understand his introverted tendencies, and always tried to get him to be more of a people person. After a while, Ken stopped paying their advice any attention.It was striking to Ken how similar Lee and Stan’s families were. They had both married beautiful, blonde cheerleaders, and now both had sixteen-year-old daughters, both of whom were among the most popular girls in school. It all sickened Ken; they were just perpetuating the stereotype of pretty and popular being the be-all, end-all in life. As the family ate, Ken remained silent for the most part. The adults were engrossed in discussions about their jobs, and the two daughters were giggling and playing on their phones the entire time. None of this was relevant to Ken.“You know, I saw something interesting today,” Lee said as dessert was being brought out. “I was at Kroger filling up my car, and saw you in the main parking lot, Ken. Looked like you were, uh, having some words with a few guys out there.”Shit! He saw that?Not wanting to worry his mom, Ken replied, “It; it was nothing.”“Nothing, eh? Is that why that punk punched you in the gut?”With a worried look on her face, Helen asked, “Ken, sweetie, what is he talking about?” She walked around the table to Ken’s seat and lifted up his shirt, seeing the bruise on his abdomen. “Was it that Jason boy again?”“Mom, just let it go.”“No! Ken, you know I worry about you!”“You worry about Me? I think you need to worry more about your brother!” Ken shouted, his anger exploding at last. “Right, Uncle Lee? Come on, you see your own nephew being ganged up on in a parking lot, yet you do nothing to help him out?!”“A man’s gotta learn to fight his own battles,” Lee replied in a calm voice.“No. You want to know what a man does? A man sticks up for his Family! No. Matter. What! You stood there and watched your own nephew get beaten up. That says a hell of a lot more about you than it does me. And if that’s family; I don’t want any part of this one.”Without a word, Ken stood and left the dining room. He then grabbed his MIT hoodie and headed for the front door. As he was about to get into his car and drive off, he saw to his frustration that his uncles’ cars were parked in the driveway behind him, blocking him in. Cursing under his breath, he prepared to leave on foot.“Ken! Come back inside, please!” Helen called after him, running down the driveway.“No. I’ve got to go out; clear my head.”“Ken, it’s Christmas Eve. Please, come be with your family.”“Mom, aside from you, not a single person in that house feels like family to me,” Ken replied coldly. “I’ll; I’ll call you after while.”Ken walked off into the cold Georgia night, not knowing for sure where to go or what to do. Nobody else was out, as they were all at home with their families. Remembering the square in historic downtown Alpharetta, he decided to head in that direction. Maybe the quiet walk would do him some good.Arriving in the town square, Ken walked along the sidewalks for a bit, peering into the darkened windows of the various shops and restaurants. Everything looked so different to him with everyone gone for the day; it all seemed so peaceful. As he continued to walk, he soon saw City Hall in the distance. In front of the building was a large green space, which was teeming with a surprising amount of activity for it being Christmas Eve. Ken moved closer, now spying a large gathering of people sitting on picnic blankets, all bundled up in coats and hats. Ahead of them, a large screen projected the classic film, It’s a Wonderful Life.Though Ken was never into the Christmas cheer, as it were, he felt strangely drawn to watch a few minutes of the film from a distance. He soon began to regret that decision, as the movie had reached the point where George Baily had an arrest warrant out for him, lashing out at his family in anger. Watching him get drunk and punched in a bar fight, Ken began to feel sick with anger. Despite all his efforts to help better the world around him, the universe conspired against George Baily; just as it seemed to be conspiring against Ken. Unable to watch a moment more, he turned and walked into the nearby park.Again alone with his thoughts, Ken sat on a bench near the fountain in the center of the park. He contemplated many things, as he often did in solitude. He thought about his piss poor excuse for a family, intent on changing him into what they say he should be. If only they could love him as he is. He thought about Jason Brown, a perpetual asshole that managed to get all the beautiful women his heart desired. If only the universe would serve up his just desserts, rather than conspiring against Ken. Sighing in frustration, he stuffed his freezing hands into his jeans pockets.Jacqueline!Feeling the scrap of paper still in his pocket, Ken suddenly felt a glimmer of hope in an otherwise dreary day. He needed something, anything to lift his spirits, and hearing her kind, sweet voice might just do it. Hell, he didn’t even care anymore if she was interested in him in a romantic sense; he just needed someone to listen and understand him. Digging out his phone, he dialed the number. After a single ring, a message began to play, seeming to be read by a game show host.“Congratulations! You’ve reached Live 95.5 FM’s world-famous Loser Line! Live 95.5; featuring the best entertainment in Seattle! If you’ve reached this message, you have attempted to hit on a girl Way out of your league! That poor young lady wants nothing to do with you, but you just couldn’t help creeping on her! That’s where we come in! Now you know what a loser you really are! So leave the girl alone, loser! You’re doing everyone a favor! If you’d like to leave a message for the world-famous Loser Line, begin speaking at the tone!”Beep!Ken hung up the phone in quiet disbelief. How could he have been so wrong about Jacqueline? They had worked so well together in school, and he even considered her a friend! She always spoke so kindly to him, how could this have happened? Was she really as nasty and shallow as her dumbass brother? Was she really just that good of an actress? As he pondered all this, Ken’s rage finally exploded out of him.“That two-faced bitch! Who the fuck does she think she is?! I trusted her! Hell, she would never have gotten a full scholarship without my help! All I ever did was Like her! And after all that, she doesn’t even have the decency to turn me down to my face?! What The Fucking Hell? At least her brother was honest about his disdain. She’s far worse! I can’t imagine how evil she’d be if a person actually offended her?”Slumping back down onto the park bench, every thought that entered Ken’s mind brought him lower. Jason was an ass, but then again, he didn’t know how to act any different. Uncle Lee was a moron, but then again, he had no malicious intent. But Jacqueline; she was the last straw. He had trusted her, opened up to her, and she repaid him by committing the single most cruel and senseless act Ken could ever imagine. Everything was crashing down around him. As he continued to sulk, Jason’s words entered into his mind once more.“I should just do everyone a favor and drop dead; is that what you want, Jacqueline? Seems like you agree with your brother, or you wouldn’t have given me that number.”Ken reached into his pocket, withdrawing a folding knife. It had been a high school graduation present to him from his grandfather, before he passed a few months later. A far cry from the typical Swiss Army knife, he unfolded the shiny, four-inch blade, which stood in beautiful contrast to the wooden handle. Inscribed in the wood were Ken’s initials. He had not used it for anything yet, never had any need to. As he stared at his reflection in the blade, Ken kept replaying Jason’s cruel words in his mind, to do the world a favor and drop dead.“Maybe that’s not such a bad idea.” Ken mumbled.Just as he took a firm grip on the handle, preparing to take the knife to his throat, an unfamiliar voice came from off to the side.“Hey!”Gabrielle’s Christmas night.Gabrielle Libertine relaxed in a lawn chair, savoring the crisp, cold air of Christmas Eve. This was her favorite time of the year, and being able to enjoy an outdoor showing of her favorite Christmas film, It’s a Wonderful Life, made it even better. It all fit in perfectly with her life philosophy: live for happiness. Not only her own, but as much as could be had for the world around her too.“You want the moon? Just say the word, and I’ll throw a lasso around it and

Miracles can happen on Christmas Eve.Based on a post by auguy86, in 2 parts. Listen to the ► Podcast at My First Time.Ken Dix flipped through the TV guide at a moderate pace; “500 channels, and nothing but Christmas specials on.”Finding nothing but disappointment at every turn. As it was Christmas Eve, every show was a mushy feel-good romp spouting lines about family and goodwill to others. None of that spoke to Ken in the slightest.“Ken?” a voice came from the kitchen.“What’s up, Mom?”“I’ve got my hands full with making everything for dinner tonight, but I’m going to run short on a couple of ingredients,” Helen Dix said, poking her head into the living room. “Can you run to the store real quick for me please?”“Sure thing,” Ken replied, seeing as he had nothing better to do.“Great, thank you. I made a list on the counter for you. The store should be open for another hour or two. The main things would be the eggs; I don’t have enough to finish my famous chess pie. If they have tea by the gallon, grab one sweet and one unsweet. The rest are great if you find them, but not essential.”“Got it,” Ken said as he took the list from the counter.Heading out to his car, Ken cranked up his Honda Civic and pulled out of the driveway. As he made his way into town, Ken reflected on his current situation. Though he loved his mom, being home for the holidays was always nerve-wracking for him. His hometown of Alpharetta, Georgia was crawling with former high school classmates of his, people he’d just as soon never see again. But up at MIT, he was actually among peers that he could relate to on an intellectual level. Not that he’d made that many friends up there. As a nineteen-year-old freshman, he was still stuck in the same boring math and science classes as everyone else. He couldn’t wait until he could start his health sciences training. Maybe then he could meet some decent people, perhaps of the female variety.Ken soon arrived in the parking lot of the local Kroger. It was soon obvious that the place was packed with last-minute shoppers, all trying to find that one final ingredient they were missing. Locking his car, Ken sauntered into the store, grabbing a shopping basket along the way. He found the shelves of the store well picked over, striking out on the nonessential items on his mom’s list. Making his way to the drinks aisle, he was pleased to see that the store was keeping the gallon jugs of tea well stocked for the holidays, and picked up a pair.Ken soon arrived in the refrigerated section of the store. Almost every shelf was empty, but he did manage to find one last carton of six eggs, just what his mom needed. Depositing the carton in his shopping basket, Ken made his way back to the front of the store, checking out in the express lane. He gripped the shopping bags tightly, being careful that the eggs weren’t harmed from the swinging of the bags. Arriving back in the parking lot, he was pleasantly surprised to see one of his former classmates, Jacqueline Brown. As he approached, she saw him coming.“Ken? Kenneth Dix?”She was extremely pretty, as was befitting one of the most popular girls in school, and kept her chestnut-brown hair cut just below her jawline. Her soft, warm facial features and bubbly personality belied the sharp intellect hiding underneath. She and Ken had been partners a few times in various subjects, and he had helped craft her entrance essay to the University of Washington. This earned her a full ride scholarship. In spite of her popularity, they had worked well together, and Ken even dared to call her a friend, at least in his own mind. They had never hung out on a social basis; her circle of friends would never have let her live that down. Still, times had changed. They were both out of high school, after all. What could it hurt to ask?“Jacqueline? Wow, I never thought I’d see you back here. Thought you escaped to cooler climates?”“Yeah, Seattle is nice, but nothing beats Christmas at home,” she replied, adjusting her UW sweatshirt. “You back for the same reason?”“Uh huh. Mom pretty much insisted. She won’t settle for anything less than a full family gathering on Christmas Eve. I’m just grabbing a few last things for her. But yeah, it’s great seeing you again. You, uh, you look good.”“Um; thanks,” she replied with hesitation.“I’m, uh, gonna be home for a couple of weeks. Would you want to, I don’t know, hang out sometime? Maybe grab a bite to eat? My treat.”“Well, Ken, that’s sweet of you to ask.” she said almost to herself. As she paused, her eyes suddenly lit up as if she had gotten an idea. “Alright! Here, let me give you my number.” She scribbled a series of digits down on a scrap piece of paper, writing her name next to them. “I’ll, um, talk to you later, I guess?”“Sounds great!”Ken couldn’t believe it; he had actually done it! He had asked out the prettiest girl he had ever known! Moreover, she had given him her number! Things were definitely looking up.“Dick!” a voice behind them yelled.Ken turned, immediately recognizing Jason Brown, Jacqueline’s fraternal twin brother, along with his two flunkies, Brian and Barrett Sullivan. Jason had been the star quarterback at his high school, and the Sullivan boys were his best offensive linemen. They often served as his muscle off the football field, as well. Ken was intimately familiar with these three, as they had made it their mission in high school to make his life a living hell. Being stuffed in lockers, having his wallet stolen, all were commonplace with them. The three approached, attempting to appear imposing, which they were from the perspective of the ever-scrawny Ken.“I’ve got nothing to say to you guys,” Ken muttered as they approached.“Well I’ve got something to say to you, Mr. Kenny Dick,” Jason growled.“Just shut up and leave me alone,” Ken replied, his blood boiling at the use of Jason’s longtime nickname for him.“No! You shut the fuck up and listen!” Jason said, grabbing Ken by the collar of his tee-shirt and flinging him against his car. In the process, Ken dropped his shopping bags, the jugs of tea landing directly on the egg carton.“Jason! Stop it!” Jacqueline protested.Undeterred, Jason threatened. “Listen fuck-wad, you stay the hell away from my sister!”“She’s an adult, dickhead! She can have anyone she wants as a friend!” Ken protested.“You don’t belong on the same Planet as her! You’re nothing’! A pathetic sack of guts your dumbass mother decided to give a name to! Know what? Just do us all a favor and drop dead!”Enraged at the insult to his mom, Ken swung a wild haymaker at his assailant, but Jason was more than ready, pinning Ken’s arm back against his car. Jason then delivered a crushing punch to Ken’s gut, dropping him down to his knees. Before leaving, Jason knelt down next to his gasping victim.“Next time, I won’t be so nice. Next time; I might just kill you myself. See ya around. Dick.” Turning to his sister, Jason said, “Come on, time to go home.”Jacqueline looked down at the pitiful form of Ken before muttering, “Sorry, Ken.”The trio of boys sauntered off across the parking lot, laughing and high-fiving at their antics. Jacqueline followed right behind them. Ken picked himself up and inspected his groceries, discovering the crushed eggs in his bag. Swearing and cursing, he grabbed the misshapen carton and went to throw it in a nearby trash can.“No chess pie tonight.”As Ken returned to his car and began his drive home, Jason and his flunkies watched on from his car, still pleased with their efforts.“You shouldn’t have done that,” Jacqueline said in a lecturing tone.Jason turned to face his sister. “I do what I gotta do, Jacqueline. That fuck-wad has no business getting friendly with you. He needs to learn his place.”“Be that as it may, I can take care of myself,” she replied firmly.“Take care of yourself? Wait; you didn’t?”“I did. Jason, someday you’ll learn that there are more subtle and effective ways to ward off undesirables. Trust me, Ken won’t bother me ever again.”Back at Home.Upon arriving back home, Ken couldn’t bring himself to tell his mom about the incident with the eggs. He instead told her that the store had run out altogether. She had spent many sleepless nights in the past worrying about the constant bullying her son was subjected to in school. Ken didn’t want to give her anything else to worry about. By this time, has uncles had started arriving, and the living room was soon filled with the sounds of football games. In Ken’s mind, these were no more thought provoking that the mindless Christmas specials he had found earlier. Ken went up to his room to take a hot shower, as well as get some alone time in the process. As he stripped down, he saw a bruise beginning to form on his stomach from Jason’s punch. He winced in pain as he touched the tender skin.Shit; that’s not going away for a while.Ken took some Tylenol for the pain before stepping into the shower. The hot water helped relax his body, and the steam gradually built up, clearing his mind a bit. He finished after a while and, after making sure his door was shut, flopped facedown onto his bed. After laying there for around an hour or so, his mom finally called him down to rejoin the family for dinner.Taking his seat at the table, Ken glanced around the room at his various family members. His mom had two older brothers, Lee and Stan. Though Lee was tall and still relatively youthful looking at forty-five, Stan was shorter and beginning to bald as he approached fifty. Still, both of them had one notable thing in common as far as Ken was concerned: they were both still jocks at heart. Ken had never known his father; it had always just been him and his mom. He could tell that his uncles tried to be male role models for him, but their efforts were usually ill-conceived attempts to “man him up.” Never once did they understand his introverted tendencies, and always tried to get him to be more of a people person. After a while, Ken stopped paying their advice any attention.It was striking to Ken how similar Lee and Stan’s families were. They had both married beautiful, blonde cheerleaders, and now both had sixteen-year-old daughters, both of whom were among the most popular girls in school. It all sickened Ken; they were just perpetuating the stereotype of pretty and popular being the be-all, end-all in life. As the family ate, Ken remained silent for the most part. The adults were engrossed in discussions about their jobs, and the two daughters were giggling and playing on their phones the entire time. None of this was relevant to Ken.“You know, I saw something interesting today,” Lee said as dessert was being brought out. “I was at Kroger filling up my car, and saw you in the main parking lot, Ken. Looked like you were, uh, having some words with a few guys out there.”Shit! He saw that?Not wanting to worry his mom, Ken replied, “It; it was nothing.”“Nothing, eh? Is that why that punk punched you in the gut?”With a worried look on her face, Helen asked, “Ken, sweetie, what is he talking about?” She walked around the table to Ken’s seat and lifted up his shirt, seeing the bruise on his abdomen. “Was it that Jason boy again?”“Mom, just let it go.”“No! Ken, you know I worry about you!”“You worry about Me? I think you need to worry more about your brother!” Ken shouted, his anger exploding at last. “Right, Uncle Lee? Come on, you see your own nephew being ganged up on in a parking lot, yet you do nothing to help him out?!”“A man’s gotta learn to fight his own battles,” Lee replied in a calm voice.“No. You want to know what a man does? A man sticks up for his Family! No. Matter. What! You stood there and watched your own nephew get beaten up. That says a hell of a lot more about you than it does me. And if that’s family; I don’t want any part of this one.”Without a word, Ken stood and left the dining room. He then grabbed his MIT hoodie and headed for the front door. As he was about to get into his car and drive off, he saw to his frustration that his uncles’ cars were parked in the driveway behind him, blocking him in. Cursing under his breath, he prepared to leave on foot.“Ken! Come back inside, please!” Helen called after him, running down the driveway.“No. I’ve got to go out; clear my head.”“Ken, it’s Christmas Eve. Please, come be with your family.”“Mom, aside from you, not a single person in that house feels like family to me,” Ken replied coldly. “I’ll; I’ll call you after while.”Ken walked off into the cold Georgia night, not knowing for sure where to go or what to do. Nobody else was out, as they were all at home with their families. Remembering the square in historic downtown Alpharetta, he decided to head in that direction. Maybe the quiet walk would do him some good.Arriving in the town square, Ken walked along the sidewalks for a bit, peering into the darkened windows of the various shops and restaurants. Everything looked so different to him with everyone gone for the day; it all seemed so peaceful. As he continued to walk, he soon saw City Hall in the distance. In front of the building was a large green space, which was teeming with a surprising amount of activity for it being Christmas Eve. Ken moved closer, now spying a large gathering of people sitting on picnic blankets, all bundled up in coats and hats. Ahead of them, a large screen projected the classic film, It’s a Wonderful Life.Though Ken was never into the Christmas cheer, as it were, he felt strangely drawn to watch a few minutes of the film from a distance. He soon began to regret that decision, as the movie had reached the point where George Baily had an arrest warrant out for him, lashing out at his family in anger. Watching him get drunk and punched in a bar fight, Ken began to feel sick with anger. Despite all his efforts to help better the world around him, the universe conspired against George Baily; just as it seemed to be conspiring against Ken. Unable to watch a moment more, he turned and walked into the nearby park.Again alone with his thoughts, Ken sat on a bench near the fountain in the center of the park. He contemplated many things, as he often did in solitude. He thought about his piss poor excuse for a family, intent on changing him into what they say he should be. If only they could love him as he is. He thought about Jason Brown, a perpetual asshole that managed to get all the beautiful women his heart desired. If only the universe would serve up his just desserts, rather than conspiring against Ken. Sighing in frustration, he stuffed his freezing hands into his jeans pockets.Jacqueline!Feeling the scrap of paper still in his pocket, Ken suddenly felt a glimmer of hope in an otherwise dreary day. He needed something, anything to lift his spirits, and hearing her kind, sweet voice might just do it. Hell, he didn’t even care anymore if she was interested in him in a romantic sense; he just needed someone to listen and understand him. Digging out his phone, he dialed the number. After a single ring, a message began to play, seeming to be read by a game show host.“Congratulations! You’ve reached Live 95.5 FM’s world-famous Loser Line! Live 95.5; featuring the best entertainment in Seattle! If you’ve reached this message, you have attempted to hit on a girl Way out of your league! That poor young lady wants nothing to do with you, but you just couldn’t help creeping on her! That’s where we come in! Now you know what a loser you really are! So leave the girl alone, loser! You’re doing everyone a favor! If you’d like to leave a message for the world-famous Loser Line, begin speaking at the tone!”Beep!Ken hung up the phone in quiet disbelief. How could he have been so wrong about Jacqueline? They had worked so well together in school, and he even considered her a friend! She always spoke so kindly to him, how could this have happened? Was she really as nasty and shallow as her dumbass brother? Was she really just that good of an actress? As he pondered all this, Ken’s rage finally exploded out of him.“That two-faced bitch! Who the fuck does she think she is?! I trusted her! Hell, she would never have gotten a full scholarship without my help! All I ever did was Like her! And after all that, she doesn’t even have the decency to turn me down to my face?! What The Fucking Hell? At least her brother was honest about his disdain. She’s far worse! I can’t imagine how evil she’d be if a person actually offended her?”Slumping back down onto the park bench, every thought that entered Ken’s mind brought him lower. Jason was an ass, but then again, he didn’t know how to act any different. Uncle Lee was a moron, but then again, he had no malicious intent. But Jacqueline; she was the last straw. He had trusted her, opened up to her, and she repaid him by committing the single most cruel and senseless act Ken could ever imagine. Everything was crashing down around him. As he continued to sulk, Jason’s words entered into his mind once more.“I should just do everyone a favor and drop dead; is that what you want, Jacqueline? Seems like you agree with your brother, or you wouldn’t have given me that number.”Ken reached into his pocket, withdrawing a folding knife. It had been a high school graduation present to him from his grandfather, before he passed a few months later. A far cry from the typical Swiss Army knife, he unfolded the shiny, four-inch blade, which stood in beautiful contrast to the wooden handle. Inscribed in the wood were Ken’s initials. He had not used it for anything yet, never had any need to. As he stared at his reflection in the blade, Ken kept replaying Jason’s cruel words in his mind, to do the world a favor and drop dead.“Maybe that’s not such a bad idea.” Ken mumbled.Just as he took a firm grip on the handle, preparing to take the knife to his throat, an unfamiliar voice came from off to the side.“Hey!”Gabrielle’s Christmas night.Gabrielle Libertine relaxed in a lawn chair, savoring the crisp, cold air of Christmas Eve. This was her favorite time of the year, and being able to enjoy an outdoor showing of her favorite Christmas film, It’s a Wonderful Life, made it even better. It all fit in perfectly with her life philosophy: live for happiness. Not only her own, but as much as could be had for the world around her too.“You want the moon? Just say the word, and I’ll throw a lasso around it and

Super Bowl preview! Locking in prop bets and Lee Sterling's picks for the game. Josh Appel breaks down why Patriots vs Seahawks is actually a good matchup. Plus, why acquiring talent in the NBA no longer favors the Pat Riley model

XRP Locking In | ETF DeFi RLUSD | Politician Corruption XRP continues to lock in real infrastructure while markets and politics remain volatile. In today's episode of On The Chain, we break down: -The return of XRPL TipBot with self-custodial tipping -Ripple's institutional DeFi blueprint positioning XRP as a settlement and bridge asset -XRP ETFs hitting record adoption -RLUSD growth and real-world asset expansion on the XRP Ledger -Key insights from the latest MessariCrypto report -Why mindset matters, according to Brad Garlinghouse We also zoom out to examine political corruption, government overreach, and why centralized systems tend to tighten control right before trust breaks.

Want to quit your job and build a real land investing business? ⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jonathan and Wendy unpack a week of grim headlines—starting with reactions to the Epstein files and what it means when high-profile "wellness" personalities show up in uncomfortable places. From there, they dig into the ongoing campaign to re-litigate COVID (lockdowns, schools, vaccines) as a justification for dismantling public health, highlighting how "restore trust in science" rhetoric often functions as cover for undermining expertise, sidelining journalists, and mainstreaming vaccine skepticism—while preventable outbreaks like measles keep spreading.       Connect with us further on https://sciencebasedmedicine.org/author/jonathanhoward/  The Fine Print The content presented in the "We Want Them Infected" Podcast and associated book is intended for informational and educational purposes only.    The views and opinions expressed by the speakers, hosts, and guests on the podcast do not necessarily reflect the views of the creators, producers, or distributors. The information provided in this podcast should not be considered as a substitute for professional medical, scientific, or legal advice. Listeners and readers are encouraged to consult with relevant experts and authorities for specific guidance and information.   The creators of the podcast and book have made reasonable efforts to ensure that the information provided is accurate and up to date. However, as the field of medical science and the understanding of the COVID-19 pandemic continue to evolve, there may be new developments and insights that are not covered in this content.   The creators are not responsible for any errors or omissions in the content or for any actions taken based on the information provided. They disclaim any liability for any loss, injury, or damage incurred by individuals who rely on the content.   Listeners and readers are urged to use their judgment and conduct their own research when interpreting the information presented in the "We Want Them Infected" podcast and book. It is essential to stay informed about the latest updates, guidelines, and recommendations related to COVID-19 and vaccination from reputable sources, such as government health agencies and medical professionals. By accessing and using the content, you acknowledge and accept the terms of this disclaimer.   Please consult with appropriate experts and authorities for specific guidance on matters related to health, science, and the COVID-19 pandemic.  

Ryan Gerard joins Smylie Kaufman and Charlie Hulme on The Smylie Show for a conversation covering everything from finding Mauritius on a map so he could earn a Masters invite, to his lack of a dining room table

The rental market is brutal, particularly in Sydney. Now, Aussie singles are turning to an unexpected new way to find a home.See omnystudio.com/listener for privacy information.

You don't have a willpower problem. You have an insulin problem. In this episode, Ben Azadi breaks down nine foods commonly marketed as “healthy” that are secretly spiking insulin, blocking fat burning, and keeping belly fat stuck, even if you're eating clean or cutting calories. You'll learn why fat loss is driven by hormones, not calories, and how insulin shuts down your body's ability to burn stored fat. Ben explains how foods like whole wheat bread, fruit juice, instant oatmeal, protein bars, low-fat yogurt, almond milk, agave, granola, and whole grain cereal can all create metabolic gridlock. More importantly, he shares simple food swaps that lower insulin faster than fasting, reduce cravings, stabilize energy, and restore metabolic flexibility. This episode also challenges the calories-in vs calories-out myth, explains why food quality matters more than calorie counting, and reinforces a core truth of metabolic health: you don't lose weight to get healthy, you get healthy to lose weight. You'll also hear about: How insulin locks fat storage in place Why fructose targets the liver and increases visceral fat The role of inflammation in stubborn weight gain Why breakfast sets your fat-burning or fat-storing mode for the day Simple swaps that can flatten your belly within a week

See omnystudio.com/listener for privacy information.

In this episode, The Annuity Man discussed:  Anticipating AI-driven longevity shifts Understanding how annuities are truly priced Locking in today's assumptions before they change Choosing guarantees and carriers with intention   Key Takeaways:  Advances in artificial intelligence are expected to significantly extend life expectancy, especially through medical breakthroughs. Longer projected lifespans will materially affect how lifetime income products are priced in the future. Lifetime income annuities are driven primarily by life expectancy tables, not just interest rates. Longer expected lifespans mean more payments and lower annual income for new buyers over time. Current annuity pricing does not yet reflect potential AI-driven longevity gains. Securing income under today's tables may result in higher lifetime payouts than those available later. Lifetime income annuities function as risk-transfer products, not return-on-investment vehicles. Selecting A-rated or better carriers is critical to ensure guarantees remain intact as longevity assumptions evolve.   "Lifetime income is all about that income floor, the income coming in, or the income you're planning for your spouse or your kids." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Aaron chats with Packers fans worldwide about the personnel and coaching staffs needing to reconnect on their vision for the team.

In this episode, George is joined by Luke Bonner, a former Division I and professional basketball player, about his journey in basketball and his current work in youth sports. They discuss the importance of early specialization, the integration of technology in coaching, the challenges of the college basketball system, and the significance of enjoyment in youth sports. Luke shares insights on load management, the constraint-led approach to coaching, and innovative drills to enhance skill development. Chapters:00:00 – Introduction to Luke Bonner and His Basketball Journey02:30 – When Elite Players “Know” They're Good04:30 – Early Specialization vs. Multi-Sport Development06:45 – Learning from Soccer: Data, Movement, and Engagement08:45 – Constraints-Led Games to Keep Kids Engaged11:00 – Rethinking the College Basketball Grind13:15 – Load Management, Locking the Gym, and Long-Term Planning15:30 – Coaching Young Players with CLA Principles18:00 – Gamifying Basketball to Teach Teamwork and Skills22:00 – “Less Is More” in Player Development27:00 – Transformative Tip Level up your coaching with our Amazon Best Selling Book: https://amzn.to/3vO1Tc7Access tons more of evidence-based coaching resources: https://transformingbball.com/products/ Links:Website: http://transformingbball.com/Twitter: https://twitter.com/transformbballInstagram: https://www.instagram.com/transformingbasketball/YouTube: https://www.youtube.com/@transformingbasketballFacebook: https://www.facebook.com/transformingbasketball/TikTok: https://www.tiktok.com/@transforming.basketball

This episode dives into the growing push to “educate” children about sports betting and why that approach may be doing more harm than good. The panel breaks down where the line actually is between responsible gaming and normalization, how problem gaming is often misidentified or exaggerated, and why some well-intentioned messaging completely misses the mark. The conversation also explores how poker strategy and player behavior may be shifting heading into 2026, what's driving those changes, and what today's players need to understand about the evolving landscape. Circle Back is hosted by Jacob Gramegna and features Mike (Mr. PeanutBettor), Joey Knish, and responsible gaming advocate Isaac Rose-Berman. Together, they bring sharp opinions, industry experience, and real debate to the biggest topics shaping betting, poker, and gaming culture.

David Cruz | 1.21.26

Ep. 173. In this late-but-right-on-time episode, I reflect on the experiences of 2025 and how they softly and lovingly shaped me into who I'm becoming. I share how stepping outside of familiar routines (including a very different Christmas Day) helped me see myself more clearly, build confidence, and move through life with more intention.I share what I believe the theme of 2026 should be: Locking In and how I intend to embark on the journey. It's a fun, reflective episode that ends with a tarot reading - you know we love those - on how we can embody the energy of the Queen of Wands amongst others. Segments00:00 – Reflecting on 2025: A Year of Love and Growth02:51 – Embracing Change: Transitioning to New Experiences05:26 – Christmas Day Revelations: A Shift in Tradition08:46 – Unlocking Self-Discovery: New Experiences and Confidence11:36 – Tarot Insights: Embracing the Queen of Wands14:29 – Dating for Science: Exploring Relationships with Intention17:37 – Looking Ahead: Goals and Aspirations for 2026

THE ART OF LOCKING IN! Close the door, put on your headphones, and enter the zone known as the flow state. This how the greats lock in. Powerful Motivational Speeches from Motiversity, featuring Kobe Bryant, Lebron James, Michael Jordan, Serena Williams, Patrick Mouratoglou, Mike Tyson, Tim Grover and more.Special thanks to:The Icons by Motiversity: https://www.youtube.com/@theiconsbymotiversityAubrey Marcus: https://www.youtube.com/@AubreyMarcusPodPatrick Bet-David: https://www.youtube.com/@VALUETAINMENTSpeakersKobe Bryanthttps://www.instagram.com/kobebryantDavid Gogginshttps://www.instagram.com/davidgogginsMike Tysonhttps://www.instagram.com/miketysonPatrick MouratoglouGet Patricks book "Champion Mindset: Coach Yourself to Win at Life": https://www.patrickmouratoglou.com/en/champion-mindset-pre-order/www.patrickmouratoglou.comhttps://www.instagram.com/patrickmouratoglouhttps://www.youtube.com/@patrickmouratoglou_officialMichael Phelpshttps://www.instagram.com/m_phelps00Serena Williamshttps://www.instagram.com/serenawilliams/Tim Groverhttps://www.instagram.com/timgroverPatrick Bet-Davidhttps://www.youtube.com/@VALUETAINMENTTim Groverhttps://www.instagram.com/timgrover/Lebron JamesCristiano Ronaldo Music: Secession Studios https://www.youtube.com/user/thesecessionEpidemic Sound Hosted on Acast. See acast.com/privacy for more information.

In this episode of WOMAN OF WEALTH® Podcast, Jenna Black welcomes listeners to a new season for 2026, focusing on the importance of locking in one's identity as a woman of wealth for the year ahead. She emphasizes the distinction between 'being' and 'becoming', encouraging listeners to embrace their true identity as creators rather than projecting their power onto a future timeline. Jenna discusses the energetic foundation of identity and how it influences wealth and leadership, inviting listeners to shift their mindset and operate from a place of completion and empowerment. In this episode: Locking in your identity is essential for transformation. The energy of 2026 feels powerful and alive. Desire and decision are fundamentally different. You are not separate from wealth; you are the source. Being is about remembering who you always were. Clients who lock in their identity see rapid shifts. Your identity as a creator allows for intentional action. Clear external influences to tap into your true self. Select the identity you have always been. Embrace your true essence to attract wealth.   Links: https://jennablack.co/membership  https://jennablack.co/programs  https://www.instagram.com/jennablack.co If you're loving this podcast, leave a review and hit subscribe!  Jenna Black | WOMAN OF WEALTH®  

Tessa didn't move for a fresh start—she moved because life boxed her in. A month-to-month duplex on the edge of town was supposed to be the simplest option she had left: clean, quiet, temporary.Then she starts finding the chain latched from the inside—after she's been outside. Deadbolts thrown in the middle of the day. Window alarms chirping once… with nothing open, nothing moved, nothing missing. The pattern isn't chaos. It's precision. Always the same focus. Always the boundary.At first, she assumes it's her—stress, exhaustion, a habit she doesn't remember forming. But the more she watches, the more she realizes something is paying attention too.And when footsteps finally linger outside her door, the apartment responds in a way that makes one unsettling truth impossible to ignore: Whatever is in this duplex isn't trying to get her. It's trying to keep something else out.#RealGhostStories #TrueParanormal #HauntedDuplex #GhostStoryPodcast #CreepyEncounters #UnexplainedPhenomena #ParanormalExperience #ScaryStories #HauntedHome #SomethingAtTheDoor Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Tessa didn't move for a fresh start—she moved because life boxed her in. A month-to-month duplex on the edge of town was supposed to be the simplest option she had left: clean, quiet, temporary.Then she starts finding the chain latched from the inside—after she's been outside. Deadbolts thrown in the middle of the day. Window alarms chirping once… with nothing open, nothing moved, nothing missing. The pattern isn't chaos. It's precision. Always the same focus. Always the boundary.At first, she assumes it's her—stress, exhaustion, a habit she doesn't remember forming. But the more she watches, the more she realizes something is paying attention too.And when footsteps finally linger outside her door, the apartment responds in a way that makes one unsettling truth impossible to ignore: Whatever is in this duplex isn't trying to get her. It's trying to keep something else out.#RealGhostStories #TrueParanormal #HauntedDuplex #GhostStoryPodcast #CreepyEncounters #UnexplainedPhenomena #ParanormalExperience #ScaryStories #HauntedHome #SomethingAtTheDoor Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

THE ART OF LOCKING IN! Close the door, put on your headphones, and enter the zone known as the flow state. This is how the greats lock in. Powerful Motivational Speeches from Motiversity, featuring Kobe Bryant, Lebron James, Michael Jordan, Serena Williams, Patrick Mouratoglou, Mike Tyson, Tim Grover and more.Instagram - @daily_motivationsorgFacebook- @daily_motivationsorg

Bruce said something on the show that stuck with me because it's so honest: Everyone thinks they're an aggressive investor… until they lose money. And it's true. Most people don't even realize the biggest financial planning mistakes they're making until the moment something “unexpected” happens: a market drop, a job change, a medical curveball, an opportunity they can't jump on because their money is locked away. https://www.youtube.com/live/wp4PzmsvzFQ Bruce also joked that when people go to casinos, nobody ever admits they lost. They either “won” or “broke even.” But those crystal chandeliers weren't paid for by winners. That's exactly what happens in real life with money. In the good years, we feel smart. In the up markets, we feel confident. And when everyone around us is sharing their “wins,” it's easy to believe the biggest risk is simply not being invested enough. But then the market drops. A business hits a slow season. A medical issue shows up. Interest rates shift. Taxes rise. Or the opportunity you've been praying for appears—and your cash is locked up, waiting on someone else's permission. That's what today's conversation is about: the sneaky, everyday financial planning mistakes that create real risk—often more than the stock market ever will. What Most Financial Planning Mistakes Really Look LikeFinancial Planning Mistakes Start With Misunderstanding “Risk”Risk tolerance vs risk capacity (and why it matters)Financial Planning Mistakes: Chasing Returns vs Long-Term Financial SecurityThe hidden cost of FOMOThe Safety, Liquidity, and Growth FrameworkHow to balance safety, liquidity, and growth in a portfolioLiquidity Risk in Financial Planning: Locking Money Away Without Realizing ItFinancial Planning Mistakes: Outsourcing Control and Financial Thinking1) Relying on assumptions instead of strategy2) Giving up access and permissionRetirement Planning Mistakes: Why the “Way Down the Mountain” Is HarderWhat is sequence of returns risk in retirement?How to reduce sequence of returns riskTax Risk: Required Minimum Distributions and the Inherited IRA 10-Year RuleRequired minimum distributions tax planningInherited IRA 10-year rule taxes (SECURE Act)How to Minimize Risk: Whole Life Insurance Cash Value - Liquidityand Legacy ProtectionWhole life insurance as a volatility bufferA personal note on why this mattersWhat to Remember and What to Do NextListen to the Full Episode on Financial Planning MistakesFAQWhat are the most common financial planning mistakes?What is sequence of returns risk in retirement?How do you define risk tolerance vs risk capacity?Why is liquidity important in financial planning?How do required minimum distributions create tax risk?How does the inherited IRA 10-year rule affect heirs?Can whole life insurance reduce portfolio risk? What Most Financial Planning Mistakes Really Look Like When most people hear the word “risk,” they immediately think of market volatility. The stock market goes up and down. Inflation eats purchasing power. Taxes change. Interest rates rise. Those are real risks. But they're not the only risks—and for many families, they're not even the biggest ones. Some of the most risky moves in financial planning are the ones that feel “normal”: Chasing returns because you don't want to miss out Locking money away without liquidity Relying on assumptions instead of strategy Outsourcing too much control and decision-making Ignoring tax risk until required minimum distributions force your hand Building retirement plans without accounting for sequence of returns risk This post is designed to help you identify the financial planning mistakes that quietly erode your financial strength. You'll also learn a simple framework—safety, liquidity, and growth—that makes decisions clearer, and helps you reduce risk in ways most financial conversations never touch. If you want more control, more flexibility, and more confidence in your future, this is for you. Financial Planning Mistakes Start With Misunderstanding “Risk” Risk is a subjective word. What feels risky to you might feel normal to your friend, your neighbor, or even your spouse. People in the same family can interpret “risk” in completely different ways. That's why generic risk questionnaires often miss the point. They may score your “risk tolerance,” but they can't fully capture how you'll actually respond when real money is on the line and emotions show up. One of the clearest ways to surface what risk truly means to you is to compare two types of risk most people don't realize they carry: The risk of losing money (or seeing your account value drop) The risk of missing upside (watching the market rise while your portfolio lags) Here's a simple question that cuts through the noise: If the stock market goes up 20% and you only go up 5%, does that make you feel worse than if the market goes down 20% and you go down 20%—but you could have only gone down 5%? Both matter. Both affect behavior. Both can lead to costly decisions—especially if your plan was built without understanding which kind of risk you actually can live with. Risk tolerance vs risk capacity (and why it matters) Another layer that's often overlooked is the difference between risk tolerance and risk capacity. Risk tolerance is emotional. It's how you feel. Risk capacity is structural. It's whether you can absorb a financial hit without changing your life, your timeline, or your goals. Someone might feel “aggressive” in theory—but if they can't open their investment statements during a downturn, that's a signal. If a portfolio drop would force them to delay retirement, sell assets at the wrong time, or sacrifice lifestyle essentials, that's a signal too. Many financial planning mistakes happen when confidence is treated as a plan. Financial Planning Mistakes: Chasing Returns vs Long-Term Financial Security One of the most common risky financial planning moves is chasing returns without thinking through the cost of the downside. It's easy to get pulled into what looks like success—especially when you're only seeing the highlight reel. People talk about the big win: The stock that exploded The crypto run The rental property that doubled The syndication that paid great returns for a few years What you don't hear as often is the full story: the losses, the near-misses, the stress, the deals that didn't work, the years where returns were negative, or the moment one major downturn wiped out a decade of progress. There's also a common belief that causes people to justify risky moves: “More risk means higher returns.” That's not what higher risk means. Higher risk means higher potential for loss. Sometimes you win big. Sometimes you lose big. And it only takes one major loss to erase years of steady gains. This is why chasing returns vs long-term financial security is such an important conversation. The goal isn't to catch every upside. The goal is to build a system that lets you keep moving forward—regardless of what the economy does. The hidden cost of FOMO Fear of missing out isn't just emotional—it changes behavior. It can push you to: Abandon a sound plan for a trendy one Overconcentrate in one asset class Take on leverage you wouldn't normally take Move money too quickly without understanding what you're buying FOMO convinces you that the risk is “not being in.” But sometimes the real risk is being in something you don't understand, can't control, and can't exit cleanly. The Safety, Liquidity, and Growth Framework There are three primary attributes that matter in every financial decision: Safety Liquidity Growth Most people have been taught to focus almost exclusively on growth. That's why financial planning mistakes are so common—because growth is only one part of the equation. You generally can't maximize all three attributes in one place. Each asset carries trade-offs. That doesn't mean you avoid growth. It means you assign each bucket of money a purpose—and then choose the asset that does that job best. How to balance safety, liquidity, and growth in a portfolio A better question than “What's the best investment?” is: What is this money supposed to do? Different dollars have different jobs. Some dollars are meant to be stable and accessible (emergency reserves, opportunity funds, tax buffers). Some dollars can take on long-term growth risk (true long-term capital). Some dollars are meant to create income, serve as a legacy tool, or act as a stability anchor. When every dollar is forced into a growth-only mindset, families create unnecessary vulnerability. Liquidity Risk in Financial Planning: Locking Money Away Without Realizing It Liquidity risk is one of the most underestimated financial planning mistakes. It shows up when you can't access your money without: penalties approvals delays forced timing market losses gatekeepers It might be your money, but it isn't in your control. This can happen in many places: retirement accounts with early withdrawal penalties strategies that require “qualifying” to access cash equity trapped in assets that can't be sold quickly products that take months (or longer) to unwind investments that require perfect conditions to exit A real example: someone retiring from a school system is offered a pension decision—take a higher monthly payment, or reduce it to take a lump sum. The lump sum sounds like “freedom,” but if it must be rolled to an IRA and the person is under 59½, access is restricted without penalty. That's a liquidity problem. And it's a control problem. “Locking money away without liquidity” is often disguised as “being responsible” Many people make decisions that look responsible on paper—max out accounts,

2026 continues as Jack and David find themselves outside of the Christmas Diner and back out in the conduits of the TORDIS. Locking on to Pulp Fury Radio! This week "It Came From The Bottom Of The Ocean But Also From Space" Learn more about your ad choices. Visit megaphone.fm/adchoices

2026 continues as Jack and David find themselves outside of the Christmas Diner and back out in the conduits of the TORDIS. Locking on to Pulp Fury Radio! This week "It Came From The Bottom Of The Ocean But Also From Space" Learn more about your ad choices. Visit megaphone.fm/adchoices

We are Locking down the first show of the year with our friend and sponsor of the show Lance Lambert @805lance from @grovebags_ with their patented Terploc technology. If you are a grower/manufacturer or processor these are the bags you need. Whether you're in a dry environment like here in Colorado or a humid environment like the northeast Your product will stay at the perfect 58 to 62% range. We love seeing Grovebags being used in all the serious canna competitions and they are quickly becoming the standard. Lance has the enviable position as the international sales guy if you follow his IG he's usually taking off or landing at the latest cannabis event , he also loves classic cars and has some amazing projects in the works. So get that @dabx GO rig charged your @jerome_baker bong Clean with some ice

This episode is one that might just make your head explode; Rich saw an ad for a residential real estate company who was offering to pay homeowners cash money RIGHT NOW… in exchange for an agreement to let that company list their home whenever they decide to sell in the future… with no other strings attached. That got Rich to thinking. He figured out some creative ways to utilize similar concepts for remodeling and home services companies…. The real question is: How much would it be worth to you right now to lock in guaranteed future buyers?

Happy New Year everyone. On this episode I touch on a few things that would be beneficial to work on in the new year. Locking in with yourself and tapping into discipline. Giving yourself grace and sticking with you boundaries. Being honest about how you really feel and not waiting until you can no longer take something to finally explode with your true emotions. I have also included a free ebook for you to download for the new year. FREE EBOOK

This Christmas week episode is dedicated to the Cavs, noise and locking in on what matters. Check out The Rivalry Podcast on Spotify, Apple Podcasts, or anywhere you listen to Podcasts! Visit Rivalpod.com for more behind the scene access! Download for iPhone and Android or stream at riverradio.com

A signing, a trade and an extension…  It took a little while but the Royals finally got things moving with their offseason.Rany Jazayerli (Co-Founder Baseball Prospectus/@Jazayerli) and Soren Petro (Sports Radio 810-WHB, 810whb.com/@SorenPetro) react to the Royals flurry of moves… - Royals sign outfielder, Lane Thomas.- Royals trade for outfielder Isaac Collins.- Are the Royals done adding outfielders?- What did the Royals gain/lose in swapping Zerpa for Mears?- Do the Royals need a left handed Reliever now?- Locking up Maikel Garcia.⁃ What's left for the Royals to do this offseason?

A signing, a trade and an extension… It took a little while but the Royals finally got things moving with their offseason.Rany Jazayerli (Co-Founder Baseball Prospectus/@Jazayerli) and Soren Petro (Sports Radio 810-WHB, 810whb.com/@SorenPetro) react to the Royals flurry of moves…- Royals sign outfielder, Lane Thomas.- Royals trade for outfielder Isaac Collins.- Are the Royals done adding outfielders?- What did the Royals gain/lose in swapping Zerpa for Mears?- Do the Royals need a left handed Reliever now?- Locking up Maikel Garcia.- What's left for the Royals to do this offseason?

I'm finally back after a little hiatus!! and tbhh, this episode is all about the mindset shift that helped me step back into my main character era in 2025. This year challenged me, isolated me, rebuilt me, and honestly pushed me into a whole new level of confidence and alignment.In this episode, I'm sharing the exact shifts that helped me lock back in:✨ Rewiring my mindset✨ Using my ambition + “perfectionism” as a superpower✨ Letting go of taking everything personally✨ Choosing better content, music, people, and habits✨ Creating a reality where I actually feel like the main character again✨ And of course… keeping the LOLs while leveling upIf you're entering 2026 ready to reinvent yourself, raise your standards, and step into a version of you who is confident, self-aware, delusional-in-a-good-way, and fully locked in… this is your episode.Thank you for supporting me, for being patient, and for sticking with me through this chaotic time of year, ilyy!!! Let's lock in together sis. Enjoy!!MY NEW WEBSITE!! Shop merch, sign up for my newsletter, book a coffee chat, & more: http://stellaraeherself.comGet $1000 off the health coach certification program I'm doing with promo code STELLACOACHING https://www.shareasale.com/u.cfm?d=1281553&m=96296&u=1030263I edit using Riverside! https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=stella-holtshop my new glo up merch!! https://stellarae.myspreadshop.com/instagram http://instagram.com/stellaraepodcastlisten to and/or support the podcast: https://anchor.fm/stella-raetiktok: http://tiktok.com/@stellaraeherselftwitter: http://twitter.com/stellaraegoodreads: https://www.goodreads.com/user/show/10449999-stella-raemy fav books/products/health: https://www.amazon.com/shop/stellaraemy current filming set up:camera: https://amzn.to/4cEQiLOmicrophone: https://amzn.to/3Z2A5gctripod: https://amzn.to/3AEmxgKring light: https://amzn.to/3XxZrShbox lights: https://amzn.to/4e1Q1Ubportable light for phone: https://amzn.to/3XxZspjjoin my patreon for ad-free episodes, early access, merch discounts, behind the scenes, & more! https://www.patreon.com/stellaraepodlisten on spotify: https://open.spotify.com/show/2DMbeh7EqiqgROIjvW0sI9listen on apple podcasts: https://podcasts.apple.com/us/podcast/the-stella-rae-podcast/id125561818200:00 – I'm back + my mission for 202600:40 – Why “dream self” culture is a trap01:30 – Ambition, perfectionism & rewriting the narrative02:30 – Oldest daughter energy + striving without hating yourself04:00 – My 2025: isolation, rebuilding, trusting the process06:00 – Leveling up your mindset to match your goals06:45 – “In your fantasy you're a loser?” meme explained07:30 – Stop talking down on yourself08:45 – How content, music & your algorithm change your reality10:40 – Getting stuck in negative dating content11:20 – Reprogramming your subconscious for success12:55 – Change feels uncomfortable — and why that's good14:20 – Rewiring your brain & noticing opportunities15:00 – Locking in without losing the LOLs16:00 – When you need discipline vs. when you need fun17:00 – Stop taking everything personally (it's freeing)18:15 – Dating mindset: detaching from men's behavior19:30 – People's reactions aren't about you20:10 – “Real recognize real” energy20:55 – Power feels like nothing: privilege, upgrades, leveling up22:00 – Why your accomplishments stop feeling big23:00 – Gym glow-up example23:50 – Being the main character in your actual life24:30 – Storytime: the man, the spill, the comb-over26:40 – His reaction + the gentleman who replaced him28:50 – Why I don't feel bad (standards matter)30:00 – Mercury retrograde, podcast chaos, audio issues31:40 – End-of-year burnout vibes32:20 – Thinking about moving uploads to Mondays33:10 – Final thoughts + send me last-episode ideas#StellaRaePodcast

skinfix began when founder Amy Gordinier discovered a 150-year-old healing balm in a small town in eastern Canada—a shockingly potent formula that outperformed many modern products. The pharmacist's family had boxes of handwritten letters from people whose skin and confidence had been transformed by it. Inspired, Amy rebuilt that legacy with a modern edge, creating skinfix: clean, clinical, barrier-first skincare powered by high-potency actives. The brand is engineered for people who've tried everything and are still searching for real results. skinfix delivers fast-acting repair now and healthier-looking skin over time, tackling stubborn concerns at the root. Their formulas pair clinical actives with moisture-locking hydrators to maximize impact while minimizing irritation. Every product is tested and recommended by unbiased dermatologists and proven to work on real, reactive, complicated skin. If your routine is crowded but your results are lacking, skinfix is the brand built to fix it.In this episode, Amy also discusses:Serving humanity by helping people heal their skin—and, in turn, their livesTackling tough skin issues, from eczema and psoriasis to rosaceaUnlocking glowing skin with the ultimate barrier repair routineThe role of clinical testing: the secret to brand loyalty and credibilityThe importance of cleansing and understanding what your skin truly needsHarnessing the power of organic love on social beyond viral momentsWe hope you enjoy this episode and gain valuable insights into Amy's journey and the growth of skinfix. Don't forget to subscribe to the Glam & Grow podcast for more in-depth conversations with the most incredible brands, founders, and more.Be sure to check out skinfix at www.skinfix.com and on Instagram at @skinfix Rated #1 Best Beauty Business Podcast on FeedPostThis episode is brought to you by WavebreakLeading direct-to-consumer brands hire Wavebreak to turn email marketing into a top revenue driver.Most eCommerce brands don't email right... and it costs them. At Wavebreak, our eCommerce email marketing agency helps qualified brands recapture 7+ figures of lost revenue each year.From abandoned cart emails to Black Friday campaigns, our best-in-class team manage the entire process: strategy, design, copywriting, coding, and testing. All aimed at driving growth, profit, brand recognition, and most importantly, ROI.Curious if Wavebreak is right for you? Reach out at Wavebreak.co

How do you unlock massive profits without burning through your marketing budget? In this episode, Todd Toback breaks down the low-cost strategy that helped him pull $80K from a single seller—and how you can replicate it in your real estate business.Todd dives into the power of rapport, why big deals should always be your focus, and the simple shifts that turn small negotiations into big, fat, juicy wins. If you want higher margins, better seller conversations, and a marketing system that actually works, this episode delivers the blueprint.---------Show notes:(0:47) Beginning of today's episode(2:06) Locking up to 40,000 dollars(2:55) Building rapport(3:59) Focus on big deals(4:38) Your marketing is the life blood of your business(5:30) Don't be scared to negotiate big fat juicy deals----------Resources:Fastsellerleads.com To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?