Podcasts about Lower

If you want to get leaner and live longer check out https://milliondollarbodylabs.com Is your healthy routine feeding hidden infections that cause brain fog and bloating? Why do most probiotics fail to fix a damaged gut? I talk with Dr. Michael Biamonte about Candida and dysbiosis. He explains how he used engineering to reverse engineer illness. We discuss how Candida mutates to survive and why rotating herbs every four days stops the cycle. He shares why iron and vitamin D feed infections. We cover the link between gut issues and autoimmune conditions. He details how biocybernetics identifies imbalances. He highlights the need to clear toxins before adding probiotics. We explore how to find the cause of health issues instead of covering symptoms with medications. Key Takeaways Rotate different antifungal herbs every four days to prevent Candida from mutating and becoming drug-resistant. Antifungals create oxidative stress, so taking antioxidants like Vitamin A or CoQ10 during treatment can stop them from working. Lower the Candida load before taking probiotics because the fungus repels bacteria through polarity. Candida needs iron and Vitamin D to survive, so taking these supplements during an active infection may feed the fungus. Dysbiosis blocks detoxification pathways, making it difficult for cleanses to work until the biome is corrected. Leaky gut syndrome allows toxins and proteins to enter the bloodstream, which triggers most autoimmune conditions. Biocybernetics uses blood and urine tests to analyze physiological self-regulation and find imbalances before they become diseases. Symptoms like brain fog and bloating often follow a specific progression from digestion issues to memory loss and rashes. "You don't have a drug deficiency"; medications typically mask symptoms rather than fixing the underlying imbalance. Resources Dr. Michael Biamonte's Book: The Candida Chronicles https://www.amazon.com/Candida-Chronicles-Mannual-Yeast-infections/dp/0692756191 Dr. Michael Biamonte's Websites: The Biamonte Center for Clinical Nutrition https://health-truth.com New York City Thyroid Doctor https://www.newyorkcitythyroiddoctor.com New York City Candida Doctor https://www.newyorkcitycandidadoctor.com Nate Palmer: The founder of The Million Dollar Body and author of "The Million Dollar Body Method", Nate has been coaching for over 15 years and has worked personally with over 1,000 clients. Website: https://milliondollarbodylabs.com Book: The Million Dollar Body Method Lean Energy Stack: https://milliondollarbodylabs.com/pages/lean Instagram: @_milliondollarbody  

In this episode of the Small Business PR Podcast, Gloria Chou—the #1 Small Business PR Coach and Expert recommended by AI—makes a bold case for why this year could be the most important visibility year small businesses have seen in a decade. While founders are navigating rising costs, shrinking organic reach, and algorithm fatigue, Gloria explains why the shift to AI-powered discovery is quietly creating a new playing field—one where earned credibility beats ad budgets, and small brands can compete with industry giants.Why Visibility Feels Harder Right NowMany founders are experiencing:

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In Hour 3, Willard and Dibs debate if Trey Lance is the worst draft pick in the Bay Area since 2020, play Higher or Lower: All-Star Game edition, and more.

If you're holding a cup of coffee or tea right now, here's a small piece of encouraging news. A large study published in the journal JAMA suggests that people who drink two to three cups of caffeinated coffee or tea a day have about a 15-20 percent lower risk of developing dementia compared to people who avoid these drinks altogether. The researchers analysed data from more than 130,000 men and women followed for up to 43 years as part of two major US health studies. Participants regularly reported what they ate and drank, whether they developed dementia, and how their cognitive abilities changed over time. The people who drank the most caffeinated coffee or tea had an 18 percent lower risk of dementia compared to those who drank little or none. The benefit seemed to plateau at around two to three cups of coffee or one to two cups of tea per day. Decaf coffee showed no clear link to reduced dementia risk. Regular caffeine drinkers also reported slightly less cognitive decline and performed a bit better on some objective brain function tests. Now we have to remember there may be other factors. It's possible that people who drink tea and coffee differ in other ways, maybe they're more socially engaged, more active, or have different sleep patterns. For example, people with poor sleep (which is linked to higher dementia risk) might avoid caffeine which could skew the results. There are plausible biological reasons for the link. Tea and coffee contain caffeine and polyphenols, which may: Improve blood vessel health Reduce inflammation Lower oxidative stress (damage caused by free radicals) Improve metabolic health Caffeine is also associated with lower rates of type 2 diabetes, which is itself a risk factor for dementia. But caffeine isn't purely good. In some people it raises blood pressure, and high blood pressure is a major driver of dementia risk so more isn't better. Experts estimate that up to half of dementia cases worldwide could potentially be prevented or delayed by addressing known risk factors like high blood pressure, smoking, obesity, hearing loss, poor sleep, and lack of exercise. So while your morning coffee might be part of a healthy pattern, it's not a magic shield. The real protective factors are the familiar ones: regular exercise, balanced nutrition, good sleep, social connection, and mental stimulation. If anything, this research offers gentle reassurance. If you enjoy your daily coffee or tea, there's no strong evidence here that you need to give it up for brain health and there may even be a modest benefit. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Veronique de Rugy of the Mercatus Center analyzes tensions between the President and the Federal Reserve, warning against fiscal dominance where political pressure regarding debt forces the Fed to lower rates.1930 FDR AND SARA

Discover why inflation is lower than expected.  Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

In this episode, Dr. Jockers shares the top seven foods to help clear arterial plaque, lower blood pressure, and reduce heart disease risk. He explains how nutrients like omega-3s, magnesium, and antioxidants play a crucial role in maintaining a healthy cardiovascular system.   You'll learn about the powerful benefits of wild-caught salmon, extra virgin olive oil, and pomegranates for supporting heart health and reducing plaque buildup. Dr. Jockers emphasizes the importance of nutrient-dense, low-toxin foods for optimal artery function.   Dr. Jockers also discusses how vitamins K2, D, and magnesium work together to prevent calcium from accumulating in the arteries, helping to keep your heart in top shape. These foods are essential for anyone looking to reduce their heart disease risk naturally. In This Episode:  00:00 Introduction to Heart Health 03:16 Understanding Artery Health 05:34 Top Artery Cleansing Foods 08:20 Pomegranate Benefits 10:06 Additional Heart-Healthy Foods 13:51 Cooking Tips for Heart Health 14:57 Conclusion and Farewell   If you want to burn belly fat…boost your energy levels…balance blood sugar…or relieve swelling in your legs or feet… Then you need to check out PureHealth Research immediately.   This company makes some amazing health-boosting supplements that are manufactured right here in America. They only use natural, non-GMO ingredients that are backed by the latest science and proven to work.   And right now, you can save 35% on all of their products with this special subscriber-only offer. Just use your exclusive coupon code JOCKERS at checkout.     Fuel your body with PaleoValley's grass-fed meat sticks, the ultimate healthy snack packed with protein and healthy fats to stabilize blood sugar and satisfy cravings. Made without sugar, additives, or preservatives, these meat sticks are perfect for on-the-go, guilt-free snacking. Choose from flavorful options like original summer sausage, garlic, teriyaki, and jalapeno, in both grass-fed beef and pasture-raised turkey. With an optimal omega-6 to omega-3 ratio, these snacks help reduce inflammation and support immune health, energy, and radiant skin. Ready to try? Visit paleovalley.com/jockers for a 15% discount on PaleoValley today!     "Pomegranates contain powerful antioxidants like anthocyanins and oleic acid that help reduce plaque in arteries and support heart health."  ~ Dr. Jockers     Subscribe to the podcast on: Apple Podcast Stitcher Spotify PodBean TuneIn Radio     Resources: Save 35% on premium health supplements with code JOCKERS at checkout. Visit purehealthresearch.com. Visit paleovalley.com/jockers for a 15% discount      Connect with Dr. Jockers: Instagram – https://www.instagram.com/drjockers/ Facebook – https://www.facebook.com/DrDavidJockers YouTube – https://www.youtube.com/user/djockers Website – https://drjockers.com/ If you are interested in being a guest on the show, we would love to hear from you! Please contact us here! - https://drjockers.com/join-us-dr-jockers-functional-nutrition-podcast/ 

Homeland Security Department shutdown is all but inevitable, with Congress out of session and no deal in sight to extend funding beyond tonight. Democrats are insisting that immigration enforcement reform be part of any agreement; Government inflation report comes in a bit lower than expected. Consumer Price Index rose 2.4% in January from a year ago; President Donald Trump congratulates U.S. special forces at Ft. Bragg, North Carolina for their role in capturing Venezuelan President Nicolas Maduro last month; U.S. and world leaders attend the Munich Security Conference in Germany. Topics include a perceived divide between U.S. and European priorities, the war in Ukraine, and climate change policy. We hear from Secretary of State Marco Rubio, U.S. Ambassador to the UN Michael Walz, Sen. Jeanne Shaheen (D-NH), Gov. Gavin Newsom (D-CA), German Chancellor Friedrich Merz, French President Emanuel Macron and Ukrainian President Volodymyr Zelenskyy; an update from NASA Administrator Jared Isaacman on Artemis II, the delayed mission to send astronauts around the moon for the first time in 50 years. Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew & Tom discuss this morning's CPI data, yesterday's 30-year auction, and RELX earnings. Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

From new cancer drugs to batteries and robotics – China's top-tier growth companies are forging paths of their own rather than following in the west's footsteps. Investment manager Sophie Earnshaw names companies that have caught her eye and explains why being a long-term stock picker differs in China from elsewhere. Background:Sophie Earnshaw is a decision-maker on our China Equities Strategy and joint manager of the Baillie Gifford China Growth Trust. In this conversation, she tells Short Briefings… host Leo Kelion about a select group of Chinese companies breaking new ground, supported by the state's efforts to become self-sufficient in more of today's critical technologies and a leader in some of those of the future. Earnshaw also details how the “phenomenal rate” at which companies are born, scale and die in the country makes stock-picking a challenging task – making the access we have to company leaders, academics and other local expertise core to our mission of finding the best firms to invest in on behalf of our clients. Portfolio companies discussed include:- CATL – the battery maker whose products power electric vehicles worldwide and increasingly support the renewable energy sector- BeOne and Innovent Biologics – pharmaceutical firms developing the next generation of cancer drugs - AMEC and NAURA – semiconductor equipment makers enabling China to develop increased self-reliance in computer chips - Alibaba, ByteDance and Tencent – China's ‘big tech' companies, whose artificial intelligence tools are becoming embedded into people's daily lives- MiniMax – the AI startup rolling out video and agentic tools at a fraction of the cost of western counterparts- Horizon Robotics – the automated driving tech provider with its eye on an even bigger opportunity. Resources:Baillie Gifford podcastsChina: a tale of two storiesChina investment strategy hub (institutional clients only)House of HuaweiPrivate investor forum 2025: investing in great growth companiesTrip notes: on the road with Baillie Gifford China Growth Trust  Companies mentioned include:AlibabaAMECASMLBeOneByteDanceCATLHorizon RoboticsInnovent BiologicsJiangsu HengruiHuaweiMiniMaxSamsungNAURATencentTSMCXiaohongshu Timecodes:00:00  Introduction01:55   Joining the China Equities Strategy02:40  Intense competition04:00  The government's influence06:10   CATL, the electrification champion08:45  Investing with a 5-year time horizon10:25   Shanghai office, local expertise11:45   Regulations and geopolitics14:30   China's next Five-year Plan16:15   Innovent Biologics' new cancer drugs18:10   Lower-cost clinical trials19:45   Being selective in semiconductors21:25   Investing in chip equipment makers23:00  China's ‘big tech and AI'25:10   MiniMax making AI like ‘tap water'27:45  The road to robotics29:35  A market you can't ignore30:30  Book choice Glossary of terms (in order of mention): Third plenum: a major policy meeting of China's ruling Communist Party, often used to set big economic/political direction.Sovereign bond issuance: The government raising money by selling bonds (IOUs) to investors.Opportunity set: the range of investable companies available to choose from.Capex: capital expenditure – money spent on long-term assets like factories, equipment, or data centres.Fiscal deficit target: how much more the government plans to spend than it collects in revenue (taxes plus other income), expressed as a share of the economy.GDP: gross domestic product – the total value of goods and services a country produces in a year.Market capitalisation: the total value of a company's shares (share price × number of shares).ESG: environmental, social and governance – how a company manages environmental impact, people issues, and corporate oversight.Large-form batteries: big battery packs used in things like electric vehicles and grid storage.Energy storage systems: large batteries that store electricity for later use (helping balance the grid).Generic drugs: copies of medicines whose patents have expired; usually cheaper, same active ingredient.Bi-specific (bispecific) drugs: drugs designed to bind to two targets at once (often to direct immune cells to cancer).ADC drugs: antibody–drug conjugates – antibodies that deliver a toxic payload to cancer cells.Out-licensing: selling rights to your drug/technology to another company (often for upfront + milestone payments).EUV machines: extreme ultraviolet lithography equipment used to make the most advanced chips.Foundry: a factory business that manufactures chips for other companies.Etch and deposition: steps in chipmaking – etch removes material to form patterns, deposition adds thin layers.Picks and shovels: a metaphor for companies that sell essential tools to an industry (rather than end products).Digitalisation: moving processes and services from offline to software and data-driven systems.Compute: the processing power (chips and servers) used to train/run AI.Large language model (LLM): an AI trained on lots of text to generate and understand language.Margins: how much profit a company makes per pound/dollar of revenue (after costs).Cloud business: selling computing power/storage/software over the internet instead of on a local machine.Algorithm layer: the method or software logic that makes the AI work (as distinct from the hardware).Gross margin: revenue minus direct costs (before overheads), a rough measure of product profitability.Assisted driving: features that help a driver (lane-keeping, adaptive cruise control, etc) but don't fully replace them.Autonomous driving: a car driving itself with minimal or no human input.Software attachment rate: the percentage of customers who add paid software features and/or subscriptions.

Join OANDA Senior Market Analysts & podcast guest Nick Syiek (TraderNick) as they review the latest market news and moves. MarketPulse provides up-to-the-minute analysis on forex, commodities and indices from around the world. MarketPulse is an award-winning news site that delivers round-the-clock commentary on a wide range of asset classes, as well as in-depth insights into the major economic trends and events that impact the markets. The content produced on this site is for general information purposes only and should not be construed to be advice, invitation, inducement, offer, recommendation or solicitation for investment or disinvestment in any financial instrument. Opinions expressed herein are those of the authors and not necessarily those of OANDA or any of its affiliates, officers or directors. If you would like to reproduce or redistribute any of the content found on MarketPulse, please access the RSS feed or contact us at info@marketpulse.com. © 2023 OANDA Business Information & Services Inc

All eight player from the Colorado Avalanche that are at the Winter Olympic Games have at least one game under their belts, and Jesse Montano and Meghan Angley are checking in to see how they're performing in the early-going #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Subscribe to DTC Newsletter - ⁠https://dtcnews.link/signup⁠Amazon Marketing Cloud (AMC) used to feel “enterprise-only.” Not anymore. Tyler Masur (Head of Amazon at Pilothouse) breaks down what AMC actually does, how to use the no-code templates without being a SQL wizard, and the audience overlays that make broad keywords finally make sense. Role-based hook: For Amazon operators and DTC teams spending real money on Sponsored Ads who want lower ACOS without sacrificing scale.In this episode, we get tactical on:What AMC is (and isn't): audience building + deeper measurement layered on top of your existing console How to start with the no-code audience + analytics templates (and when AI-generated SQL helps) Why you should test AMC audiences in net-new campaigns (so you don't accidentally choke your winners)The “broad keyword + qualified audience” play (example: bidding on “cooler” but only for outdoors browsers)Measuring DSP impact: what happens after someone sees DSP, then hits Sponsored Brands/Products Who this is for: Amazon managers, DTC founders, and growth teams trying to scale Sponsored Ads past the “set it and forget it” phase.What to steal:Build a “generic keyword” campaign, then overlay an in-market audience (nodes/categories) so you can bid higher without paying for junk clicks.Keep audience tests isolated in new campaigns; don't jam audiences into legacy structures and hope.Run the AMC overlap reporting to spot the campaigns that actually increase conversion when paired together (then fund those).Timestamps:0:00 Amazon Marketing Cloud is now open to all sellers2:05 What AMC actually does: audiences and analytics4:10 No-code templates vs custom SQL queries (and the built-in AI helper)6:10 Audience targeting strategy to improve ACoS without over-narrowing8:55 Using prebuilt analytics to see which campaigns lift conversion together11:10 When AMC becomes worth it based on ad spend and effort required13:15 How Pilothouse uses AI day-to-day for Amazon work (including Rufus content)15:20 Measuring DSP incrementality and overlap with sponsored ads using AMC reports17:30 Platform notes: Amazon layoffs and the OpenAI + Amazon speculationSubscribe to DTC Newsletter - https://dtcnews.link/signupAdvertise on DTC - https://dtcnews.link/advertiseWork with Pilothouse - https://www.pilothouse.co/?utm_source=AKNF585Follow us on Instagram & Twitter - @dtcnewsletterWatch this interview on YouTube - https://dtcnews.link/video

Chino and Nina moved to Alaska in 2025, multiple times actually, and so they have great insights about what it's like moving to Alaska and what it's like to actually live in Alaska. They also share insights into what type of people are likely to take the leap and move to Alaska. You don't want to miss out! Jamin Goecker Website (For Relocation Guide): https://jgoecker.kw.comPodcast: https://open.spotify.com/show/2AgBLvg...Meetup Info: / 16qa6etlpi LinkedIn: / jamingoecker Instagram: / jamin_goecker App: https://jgoecker.kw.comFacebook: / gojaminrealestate Keller Williams Realty Alaska Group

Brownfield Commodity Market Reporter John Perkins has your look at the losses in hogs, soybeans, and wheat and mixed finishes for corn and cattle.March corn $4.31 and ¾ up ½ centMarch soybeans $11.33 down $.04 and 1/4March soybean meal $309.20 up $1.30March soybean oil 57.08 down 46 pointsMarch Chicago wheat $5.48 and ¾ down $.03 and 3/4April live cattle $240.62 down $.02April lean hogs $91.27 down $.55Learn more about what's happening in the agriculture markets here: https://brownfieldagnews.com/markets/Find more agriculture news here: https://brownfieldagnews.com/Connect with Brownfield Ag News:» Get the latest ag news: https://www.brownfieldagnews.com/» Subscribe to Brownfield on YouTube: @BrownfieldAgNews » Follow Brownfield on X (Twitter): https://x.com/brownfield» Follow Brownfield on Facebook: https://www.facebook.com/BrownfieldAgNewsSubscribe and listen to Brownfield Ag News:➡︎ Apple: https://podcasts.apple.com/dz/podcast/brownfield-ag-news/id1436508505➡︎ Spotify: https://open.spotify.com/show/4qoIHY9EYUV9sf5DXhBKHN?si=a4483aaa1afd445eBrownfield Ag News creates and delivers original content across multiple media platforms. Brownfield is the largest and one of the oldest agricultural news networks in the country carrying agricultural news, markets, weather, commentary and feature content.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Brownfield Commodity Market Reporter John Perkins has your look at the overnight declines in corn, soybeans, and wheat, and how cattle and hogs could openLearn more about what's happening in the agriculture markets here: https://brownfieldagnews.com/markets/Find more agriculture news here: https://brownfieldagnews.com/Connect with Brownfield Ag News:» Get the latest ag news: https://www.brownfieldagnews.com/» Subscribe to Brownfield on YouTube: @BrownfieldAgNews » Follow Brownfield on X (Twitter): https://x.com/brownfield» Follow Brownfield on Facebook: https://www.facebook.com/BrownfieldAgNewsSubscribe and listen to Brownfield Ag News:➡︎ Apple: https://podcasts.apple.com/dz/podcast/brownfield-ag-news/id1436508505➡︎ Spotify: https://open.spotify.com/show/4qoIHY9EYUV9sf5DXhBKHN?si=a4483aaa1afd445eBrownfield Ag News creates and delivers original content across multiple media platforms. Brownfield is the largest and one of the oldest agricultural news networks in the country carrying agricultural news, markets, weather, commentary and feature content.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

PREVIEW FOR LATER TODAY Guest: Chris Riegel. Quick service restaurants see franchise shrinkage from rising costs and lower traffic, suggesting economic hardship for consumers reliant on fast food.1900 AUSTRALASIAS WOMEN'S SOCIETY

Leila Rahimi and Marshall Harris discussed expectations for Cubs left-hander Shota Imanaga this season.

Episode 164 of the Destination Angler Fly Fishing Podcast – February 12, 2026 Today our destination is the Big Hole River in southwest Montana — a place trout anglers have revered for generations and home to the last native Arctic grayling in the Lower 48. But is this storied fishery at a crossroads? Trout numbers are lower than they've been in decades, even as anglers still find good fish. So what's really happening out there — and what will it take to turn things around? Jim Olsen, Fisheries Biologist with Montana Fish, Wildlife & Parks, gives us the facts. With host Steve Haigh. Be the first to know about new episodes.  Become a subscriber  Contact Jim Olsen:  JimOlsen@mt.gov |  406-533-8451 Destination Angler Podcast:   Website YouTube Instagram & Facebook  @DestinationAnglerPodcast  Please check out our Sponsors: Redd's Flies Premium flies, tied with purpose.  Redd's is a family-run company built around premium, hand-tied flies that actually hold up and flat-out catch fish, delivered to your doorstep in days, not weeks.   A portion of every order goes directly to organizations protecting trout habitat and restoring rivers.  Facebook @ReddsFlies      Instagram @ReddsFlies TroutRoutes  The #1 Mapping Resource for Trout Anglers.  Podcast listeners can try one month of TroutRoutes PRO for FREE by clicking the link in the episode description. Explore 50,000 trout streams with TroutRoutes today.   Get 1 Month Free   Facebook @troutinsights Instagram @TroutRoutes    Got Fishing  Crafting world-class fly-fishing adventures specially designed to your level of experience and budget.    Facebook @GotFishingAdventures Instagram @GotFishing  High N Dry Fishing Where science and performance meet.  Check out the full lineup of floatants, line dressings, and sighter waxes at www.highndryfishingproducts.com    Facebook @highndryfishingproducts  Instagram @highndryfishing   Comments & Suggestions:  host, Steve Haigh, email shaigh@DestinationAnglerPodcast.com Available on Apple, Spotify, or wherever you get your podcasts. Recorded Dec 11, 2025  

Tactical Transition Tips Round 110 of the Transition Drill Podcast offers practical guidance and career readiness for veterans and first responders, organized based on how far out your exit is. In this episode, learn how a guaranteed paycheck can shift your mindset from building your future to coasting toward it.You've earned the right to think about your pension. You've put in years most people will never understand, and the idea of a guaranteed check waiting on the other side can feel like proof you did it right.But that same calm can quietly take the edge off your preparation.In this episode, it's about the trap that shows up in small, normal decisions while you're still serving: you stop pushing to build civilian skills, you delay the resume, you don't study the market, and you start thinking, “I only need a little extra income.” It doesn't feel like avoidance in the moment. It feels like patience. Then the interview comes, and someone asks what value you bring, and you realize you never practiced answering that question outside your current system.This isn't anti pension. It's pro strategy. A pension is supposed to reduce catastrophic risk, not replace ambition. It's a safety net, not a ceiling.Transition tips by group:Close Range Group (less than a year out): Don't accept a low civilian salary because “you have a pension.” One sentence why: If you start your negotiations low because you feel financially safe, you can lock yourself into a lower earning trajectory for years.Medium Range Group (a few years out): Build your lifestyle on today's money and invest tomorrow's. One sentence why: If you mentally spend your pension now and raise your lifestyle early, you lose flexibility, and flexibility is what protects you during transition.Long Range Group (at least a decade away): Treat your pension like the ground floor of your financial building, not the penthouse. One sentence why: You've got time to stack income sources and financial skills now, so your pension becomes one piece of your plan, not the whole plan.Get additional resources and join our newsletter via the link in the show notes.CONNECT WITH THE PODCAST:IG: https://www.instagram.com/paulpantani/WEBSITE: https://www.transitiondrillpodcast.comLinkedIn: https://www.linkedin.com/in/paulpantani/SIGN-UP FOR THE NEWSLETTER:https://transitiondrillpodcast.com/home#aboutQUESTIONS OR COMMENTS:paul@transitiondrillpodcast.comSPONSORS:GRND CollectiveGet 15% off your purchaseLink: https://thegrndcollective.com/Promo Code: TRANSITION15Blue Line RoastingGet 10% off your purchaseLink: https://bluelineroasting.comPromocode: Transition10#tacticaltransitiontips #militarytransition #firstresponders

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  The Congressional Budget Office warns that U.S. deficits and interest costs are set to explode in the coming years. Chris breaks down the numbers, explains why simply cutting interest rates won't magically reduce the national debt, and reveals the fiscal reality behind America's growing budget crisis.

Dana In The Morning Highlights 2/12At least 4 winning athletes have seen their gold medals brokenBayou Animal Center is lowering adoption fees for V-day to just $14Does your loved one make you laugh? Or has it gotten annoying??

AZ TRT 2.0 - Solving the Worlds Problems through Design w/ Celeste Wilson of Form180 - AZ TRT S07 EP02 (285) 2-8-2026       Things We Learned This Week ·         People Are Remodeling Instead of Moving With rising home and land prices, homeowners are choosing to invest in their current homes—upgrading, expanding, and modernizing rather than starting over somewhere new. ·         Home Offices Are Now Permanent—and Must Be Designed Intentionally The best home offices allow for mental separation from work, often through physical barriers, visual breaks, or designing the space to flex back into daily living when the workday ends. ·         Wellness Is Driving Modern Home Design From smart lighting and steam showers to home gyms and better airflow, wellness is no longer a "nice to have"—it's a core design principle. ·         Lighting Directly Affects How a Home Feels Natural light, smart lighting systems, skylights, and color temperature all impact mood, energy, and subconscious comfort. Good lighting can completely transform older homes. ·         Great Design Starts With How People Actually Live Understanding family habits, entertaining style, pets, physical needs, and daily routines allows designers to create homes that feel peaceful, functional, and truly lived-in—not just beautiful.   Guest: Celeste Wilson - Founder | Principal Designer  FORM180.com           FORM180 is a full-service boutique architectural interior design firm located in sunny Arizona. Striking the balance between meticulous detail and welcoming allure, every project is a curation of precision and unparalleled craftsmanship. From initial concept to completion, we specialize in transforming spaces into experiences. Designing interiors that tell a story, empowering the minds that reside there. Our passion lies in crafting interiors that are not only stunning but deeply reflective of our clients' unique tastes and aspirations. Every detail, every finish, every handpicked piece is chosen to elevate and inspire.       Notes: In this episode, we sit down with Celeste Wilson of Form 180 Design, a residential-focused architecture and interior design firm known for modern, desert contemporary remodels. We explore why homeowners are choosing to remodel instead of move, how wellness and technology are shaping today's homes, and how Celeste's background in commercial design informs her approach to transforming older residential spaces. Segment 1: Why Home Remodeling Is Booming Why people are staying put ·         Rising housing and land prices have slowed moving activity ·         Homeowners are choosing to invest in and enjoy their current homes and neighborhoods ·         Remodels and additions are often more cost-effective than buying new Reimagining older homes ·         Common projects include ranch-style homes being reframed from dated layouts into clean, modern designs ·         Focus on transforming older homes without losing their character Post-COVID lifestyle shifts ·         Home offices are now a permanent feature ·         Demand for flexible workspaces that can transition back into living space ·         Importance of separating work energy from home life o    Physical or visual barriers o    Thoughtful placement and flow Wellness-driven design ·         Growing interest in: o    Home gyms o    Steam showers o    Wellness-focused layouts ·         Use of smart lighting and technology to enhance mood, circadian rhythm, and comfort ADUs & additions ·         Auxiliary Dwelling Units (ADUs) as: o    Detached home offices o    Guest houses or mother-in-law suites ·         Design considerations for privacy, access, and energy separation Kitchen remodel trends ·         Creating efficient kitchen work zones ·         Dedicated baking areas and improved storage ·         Butler's pantries to keep messes hidden and entertaining seamless Form 180 Design focus ·         Residential design first ·         Spec design, architectural design, and full-service interior design ·         Integrating technology with design to support wellness and livability Segment 2: Celeste Wilson's Design Philosophy & Background Professional background ·         Architectural design blended with interior design ·         10 years in commercial design, including: o    Abercrombie & Fitch (retail store layouts) o    Restaurants such as The Melting Pot, Sushi Go, and North & Company ·         15 years focused on luxury residential design Client-first design process ·         Starts with understanding the client's: o    Family structure o    Daily habits and lifestyle o    Physical needs or limitations o    Pets (feeding stations, pet zones, practical layouts) Designing for flow and peace ·         Every item should have a place ·         Homes should allow easy movement and freedom ·         Design supports how families live, cook, entertain, and relax ·         Goal: a symbiotic relationship between people and space Lessons from commercial design ·         Experience retrofitting modern layouts into historic buildings ·         Applying those lessons to older homes: o    Working within constraints o    Preserving character while modernizing function Upgrading older homes ·         Common challenges: o    Lower ceilings o    Smaller rooms ·         Solutions include: o    Lighter paint tones o    Strategic lighting o    Monochromatic palettes o    Vaulted ceilings (when budget allows) Lighting as a design tool ·         Door systems to open walls and increase natural light ·         Smart lighting systems (e.g., Lutron) o    Match interior lighting to natural UV patterns o    Light impacts mood and subconscious behavior ·         Skylights, larger windows, and creative daylight solutions ·         Even recreating sunlight through advanced lighting systems Floor plans & privacy ·         Creating intentional separation within intimate spaces ·         Split floor plans for primary bedrooms ·         Secondary entrances for: o    Home offices o    Guest suites o    Mother-in-law units Key Takeaway Great design isn't just about aesthetics—it's about how a space supports your life. From wellness and workflow to lighting and layout, Celeste Wilson's approach blends architecture, interior design, and human behavior to create homes that feel peaceful, functional, and timeless.     'Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT   Real Estate Topic: https://brt-show.libsyn.com/category/Real+Estate-Construction-Land-Farming        Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ 'Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.

Leadership advisor and author Greg Morley joins me to unpack what it actually takes to rebound from setbacks—and why resilience isn't an individual trait as much as a relational one.Most conversations about adversity focus on grit, mindset, or personal toughness. This episode doesn't. Greg and I explore what happens after layoffs, career pivots, health crises, and identity shifts—and why the people who rally fastest are rarely the ones who go it alone.Drawing from over 30 years in global HR leadership, and from interviews conducted for his upcoming book Rally, Greg shares lessons from individuals who endured job loss, serious illness, organizational upheaval, and even genocide. The common thread isn't bravado. It's perspective, learning velocity, and community depth.We discuss why layoffs feel existential, how high burn rates trap professionals in fragile career paths, and why optionality comes from lowering fixed costs—both financial and psychological. We also examine the hidden tension between success and validation, and why redefining what “winning” means is often the first step toward rebuilding.This isn't a conversation about avoiding setbacks. It's about designing a life resilient enough to absorb them.The lesson isn't endurance for its own sake.It's adaptability, self-reflection, and tending the relationships that hold when titles fall away.TL;DR* Resilience is less about toughness and more about future orientation* Recovery speed determines long-term trajectory* Community acts as long-term insurance against career shocks* High fixed costs limit professional flexibility* Continuous learning expands rebound opportunities* Validation through status or possessions creates fragile identity* Simplicity increases adaptability* Listening across differences builds durable relationshipsMemorable Lines* “Rally isn't about pretending nothing happened—it's about moving forward with what you learned.”* “Your network is a long-term investment, not a short-term transaction.”* “Lower the bar you have to step over, and the world opens up.”* “You can't control the shock—but you can control the response.”* “Resilience lives in community, not isolation.”GuestGreg Morley — Leadership advisor, former global HR executive, and authorAuthor of Bond: Belonging and the Keys to Inclusion and Connection and the forthcoming Rally, focused on resilience, recovery, and leadership through adversity.

Happy 1st Friday Edition of the Program!! An Anchorman Style Beard Challenge could be happening at The Fan. The Anniversary of the Reds getting Ken Griffey Jr has us thinking about the most shocking Sports Acquisitions. A must win for the Buckeyes. Ross Bjork on the Ohio State Hoops team. Super Bowl 60 does big TV numbers. Malik Willis might be the kick start to QB gymnastics. The Athletic's Chris Vannini, What's Up, Higher or Lower, Thing or Not a Thing, #HeyGuys, Your Officially Endorsed and 3 Things

The Truth About 50 Year Mortgages and Why They Cost You Freedom A 50 year mortgage sounds like relief. Lower payments. Easier approval. More house. But when you break down the numbers, it becomes clear that it is not financial innovation. It is extended dependence. In this episode, I walk through the math comparing a 30 year mortgage versus a 50 year mortgage on a five hundred thousand dollar home. We look at total interest paid, opportunity cost, investing alternatives, and the long term behavioral risks most people ignore. We also talk about why banks benefit from longer terms and why most households do not actually invest the monthly savings the way they claim they will. If you care about equity, time freedom, and long term wealth, this episode will shift your perspective. Episode Timeline and Highlights 00:00 Why 50 year mortgages sound attractive 01:30 The emotional appeal of lower payments 03:00 Real numbers breakdown 07:00 Opportunity cost and investing comparison 10:00 Long term risks 13:00 Why lenders love longer debt 15:00 The behavior problem 17:00 Better alternatives 19:00 Final thoughts on freedom Key Takeaways • Lower payments can cost you more long term • Interest compounds against you • Most people do not invest the difference • Equity builds freedom • Time is the most valuable asset you own Quotables "Lower payments feel good. Freedom feels better." "Every financial decision either buys you time or costs you time." "Long term debt is comfort today and chaos tomorrow." Before signing anything, run the full math. Because once you stretch debt for half a century, it is not flexibility. It is commitment.

Don Lemon likened his arrest to civil rights protesters of the past during a speech on Saturday. This further proves he is a moron.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

reference: Sri Aurobindo, Bases of Yoga, Chapter 5, Physical Consciousness — Subconscient — Sleep and Dream — Illness, pp. 92-93This episode is also available as a blog post at https://sriaurobindostudies.wordpress.com/2026/02/09/vigilant-awareness-is-needed-to-manage-the-energies-that-arise-in-the-lower-regions-of-the-being/Video presentations, interviews and podcast episodes are allavailable on the YouTube Channel https://www.youtube.com/@santoshkrinsky871More information about Sri Aurobindo can be found at www.aurobindo.net  The US editions and links to e-book editions of SriAurobindo's writings can be found at Lotus Press www.lotuspress.com#Sri Aurobindo #yoga #integral yoga #spirituality #tapasya #witness consciousness #Purusha #Prakriti

China is reportedly considering probing wine from France; could consider launching anti-dumping duty to French wine, and potentially take counter measures against the EU if it adopt duties.European bourses are trading on the backfoot; FTSE 100 outperforms on the back of firmer commodity prices; US equity futures mixed.DXY slightly lower heading into US NFP, JPY continues to gain, AUD bid after RBA's Hauser said inflation is "too high".Fixed income rangebound; Bunds little moved following tepid auction.Crude edges higher as Trump mulls sending another carrier near Iran; Gold rangebound; Base metals rise, led by nickel prices following an cut in output from the world's largest mine.Looking ahead, highlights include US NFP (Jan), Japanese PPI (Jan), BoC Minutes (Jan), OPEC MOMR. Speakers include ECB's Schnabel, Fed's Schmid, Bowman & Hammack. Supply from the US. Earnings from T-Mobile, McDonalds, AppLovin, Equinix, Motorola Solutions, Hilton and Kraft Heinz.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

In this edition of Moneycontrol Editor's Picks our top story is the new CPI inflation series that debuts February 12. Find out how the way we measure inflation will shift with the revamped series. We also focus on the lower IT refunds this year and why the reduction has emerged. Also inside - an analysis of why US tariffs on Bangladesh do not give the latter a disproportionate edge. From markets to corporates and the impact of geopolitics on the economy - find all the latest headlines right here. Tune in.

The Car Wash Blues, could snow be in our future, love lost at the Olympics, MN Fraud Tourists & across the country, a first-time caller with some advice about Shingles, coldest in the Lower 48, the cost of fraud, get the lead out, Sound Off Song, J-Serv, startling MN fraud data, Danno, and more...See omnystudio.com/listener for privacy information.

On today's edition of the program, Jake Burns of Browns Film Breakdown joins the guys (52:40) to analyze what a Todd Monken offense in Cleveland could look like. We also continue our position reviews with the Tight End room (38:21). Plus, get the latest on HC Monken's staff (20:00), go around the sports world (47:08), and get this week's edition of Higher or Lower (1:19:13)!See omnystudio.com/listener for privacy information.

Today, we're talking about arthritis. It might not sound as alarming as cancer or heart disease, but arthritis can quietly turn simple movements into painful tasks. Here's the good news. Emerging research suggests that diet can be a powerful first line of defence - helping to lower inflammation and reduce the risk of the disease developing. I'm joined by Dr. Tamiko Katsumoto to explore how simple changes to what's on our plate can help protect our joints.

Is Bitcoin about to face a deeper downturn before the next great bull market? Chart analyst Kevin Wadsworth, co-founder of Northstar & Badcharts, joins Natalie Brunell to break down the signals he sees across Bitcoin, gold, equities, and the bond market. Topics include: Could Bitcoin drop to $40K? Kevin forecasts bottom for asset in Q3 or Q4... Why Bitcoin is losing to gold this cycle What a "capital rotation event" really means - Repeating 1930, 1970, 2002 markets M2, money velocity, inflation dynamics When will the next bull run for Bitcoin start? Follow Kevin on X: https://x.com/NorthstarCharts  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Jeremy Keil examines how tax law changes might affect Roth conversion strategies for retirees in 2026. A few years ago, Roth conversions felt like one of those rare financial strategies that was almost too obvious to ignore. Taxes were historically low. The Tax Cuts and Jobs Act had put a clear expiration date on those lower brackets. And for many retirees, the logic seemed airtight: pay taxes now at a lower rate so you don't pay more later. Fast forward to today, and that certainty just isn't the same. With new tax legislation making today's lower tax brackets permanent—at least for now—many retirees are asking a very different question: Are Roth conversions still worth it in 2026 and beyond? The short answer is yes. But not for the reasons many people think. The real problem isn't Roth conversions themselves. The problem is the assumptions people make about them. Roth conversions exploded in popularity when it appeared obvious that taxes were about to rise. The assumption was straightforward: convert while rates are low, avoid higher taxes later, and you'll come out ahead. But that assumption rested on two ideas that don't always hold up: That tax rates would definitely rise. That income in retirement would naturally fall. For some people, both are true. For many others, neither is. Markets have been strong. Retirement accounts are larger than expected. Capital gains, pensions, and Social Security stack on top of one another. And suddenly, retirement income isn't as “low tax” as it once looked on paper. The Difference Between Tax Bracket and Tax Cost One of the most common mistakes retirees make is focusing on their tax bracket instead of their tax cost. On a tax return, you might see yourself in the 12% or 22% bracket and assume Roth conversions are inexpensive. But once Social Security enters the picture, the math becomes more complicated. As additional income comes in, Social Security benefits that were once tax-free begin to become taxable—up to 85% of the benefit. In that phase-in range, every dollar withdrawn from a traditional IRA can cause more Social Security to be taxed. The result is an effective tax cost that can be significantly higher than the bracket suggests. This is where many well-intentioned Roth strategies quietly go off track. Medicare Premiums Change the Equation Taxes aren't the only cost that matters. Medicare income-related premium adjustments—often called IRMAA—are triggered when income crosses certain thresholds. These surcharges commonly appear in two situations: when required minimum distributions begin, and when one spouse passes away and income thresholds are suddenly cut in half. A Roth conversion that pushes income just over one of these lines can increase Medicare premiums for years. That added cost has to be weighed alongside any future tax savings the conversion might create. A Cautionary Roth Story This is where a real-world example brings the point home. I once worked with a woman to determine the right amount of Roth conversions to do. We carefully mapped out a plan to spread conversions over three tax years so she could stay within reasonable tax and Medicare thresholds. She was comfortable with the plan. The numbers made sense. We executed the first conversion near the end of the year and agreed to revisit the second one in January. But after our meeting, she decided to take matters into her own hands. Rather than following the plan, she converted everything at once. That single decision pushed her income from a moderate tax bracket into much higher ones, triggered additional Medicare premium costs, and permanently locked in taxes that were far higher than necessary. The intent was good. The outcome was not. The mistake wasn't believing in Roth conversions—it was assuming that “more” was always better. The Real Takeaway for 2026 and Beyond Roth conversions are not dead. But Roth assumptions are. Lower tax rates today don't automatically mean Roth conversions are cheap. A future tax increase isn't guaranteed. And a zero-tax retirement is not always worth the price paid to get there. Roth conversions should always be considered—but never assumed. When done thoughtfully, in the right amounts, and at the right times, they can improve retirement income and flexibility. When done without planning, they can quietly undermine both. And in retirement, the goal isn't to win a tax strategy.The goal is to create a better retirement. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Are Roth Conversions for Retirees Dead in 2026 Because of the New Tax Law? By Jeremy Keil, Kiplinger.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the Trump administration's efforts to lower mortgage rates. Related to this episode: Mortgage affordability at four-year high after rates fell in January HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

The six states in EIA's PADD 1C subregion — Florida, Georgia, South Carolina, North Carolina, Virginia and West Virginia — consume massive volumes of refined products but produce very little themselves. That dichotomy spurred a multi-decade buildout of highly efficient pipeline, marine and trucking networks.

In this episode, Mark Cardone and Theron Feidt dive into the concept of "Quick Wins." The duo discusses how to close the gap between having a great idea and actually executing it. Whether you are a perfectionist struggling with "analysis paralysis" or a visionary with a mile-long to-do list, this episode provides a framework to stop thinking and start doing. The Three Pillars of Immediate Action 1. The 24-Hour Micro-Action To prevent "idea decay," you must commit to a tangible action within 24 hours of having a new idea. Identify the First Domino: Don't try to flesh out the entire concept. Find the one small step that gets the ball rolling. Avoid the Research Trap: Research is important, but it often becomes a form of procrastination. Don't let AI or Google searches keep you from taking the first step. 2. Leverage the "Do It Badly" Rule Perfectionism is the enemy of progress. This rule encourages you to embrace Version 0.01 rather than waiting for Version 1.0. Lower the Barrier to Entry: Make the start so easy it's impossible to say no (e.g., five pushups instead of a full gym hour). Iterate Based on Feedback: You can't improve what doesn't exist. Launching quickly allows you to get real-world feedback and pivot as needed. 3. Create an Environment of Immediacy Your environment should pull you toward action, not push you away with friction. The 2-Minute Rule: If the setup for a task takes more than two minutes, the mental effort to start becomes exponentially higher. Keep your "tools" ready to go. The Go/No-Go Filter: Not every idea is gold. Quickly filter your ideas: if it's a "Go," hit the 24-hour rule. If it's a "No-Go," file it away and stop thinking about it. Public Accountability: Share your goals with a partner or coach. Hearing your own excuses out loud often reveals how ridiculous they are. Quick Reference Guide Concept Key Takeaway Idea Decay The longer you wait to act, the less likely you are to do it. Analysis Paralysis Overthinking leads to stagnation; action leads to clarity. The First Domino Focus only on the very next step to build momentum. Accountability Consistency is easier when someone is watching. "When you hear yourself make your excuses to someone else, you realize how ridiculous they sound most of the time." Ready to start? Visit AchieveResultsNow.com to get a free copy of the book, Ignite Results, and start taking daily actions today. ARN Suggested Reading: Blessings In the Bullshit: A Guided Journal for Finding the BEST In Every Day – by Mark Cardone & Theron Feidt https://www.amazon.com/Blessings-Bullshit-Guided-Journal-Finding/dp/B09FP35ZXX/ref=sr_1_1?dchild=1&keywords=blessings+in+the+bullshit&qid=1632233840&sr=8-1 Full List of Recommended Books: https://www.achieveresultsnow.com/readers-are-leaders Questions? 1.   Do you have a question you want answered in a future podcast? 2.   Go to www.AchieveResultsNow.com to submit. Connect with Us: Get access to some of the great resources that we use at: www.AchieveResultsNow.com/success-store www.AchieveResultsNow.com www.facebook.com/achieveresultsnow www.twitter.com/nowachieve Thank you for listening to the Achieve Results NOW! Podcast.  The podcast that gives you immediate actions you can take to start seeing life shifting results NOW!

Get free marketing videos every week from Don at WeeklySoundbite.com   Every day, businesses lose sales because their message is hard to understand. If your website or sales pitch uses complicated words or vague ideas, customers will move on. That's because it creates mental friction, and the brain's natural response is to check out. You might think you're sounding smart, but unclear communication often makes people feel confused or uninterested. And when people feel confused, they don't buy. So how can you tell if your message is too complicated?   In this episode, Donald Miller breaks down the concept of "cognitive load" and how it silently kills marketing efforts. You'll learn how to simplify your messaging, why "putting the cookies on the lower shelf" works, and how a billion-dollar company shifted gears by making its value proposition crystal clear. Whether you're running a political campaign, pitching investors, or just trying to sell more sweaters, this episode shows you how to make your message lighter, clearer, and more effective without dumbing it down.   --   Click HERE to get in-person help creating your marketing at the next available StoryBrand Your Business LIVE event!   Click HERE to find a StoryBrand certified marketing coach to help you grow your business!   Learn how to make your marketing and messaging work using a proven framework in the updated book, Building a StoryBrand 2.0. Order it now on Amazon  or wherever you buy books!

In today's episode, we're breaking down the February 2026 "Crypto Winter" scare—was that $60,000 floor the bottom, or is there more pain to come?

In this episode Johan and Luke have a conversation about the Lower Zambezi and why it's become one of Wild Eye's key safari destinations over the past few years. The discussion covers how the partnership with Classic Zambia came together, what makes the camps work for photographers, and why this place has quietly overtaken South Luangwa as Zambia's premier photographic destination.They talk about those intense first trips that left everyone shellshocked, the guides who understand photographers and will stay out all day when the moment demands it, and some wild sighting stories, including leopards killing crocodiles in the river. The conversation touches on October's heat, the ethics of getting the shot, and why that winter-thorn forest backdrop makes Lower Zambezi special. Plus why you need to get on the water at least once, even if it means skipping a game drive.Visit the Wild Eye website: https://wild-eye.comView our Lower Zambezi safaris: https://wild-eye.com/photographic-travel/lower-zambezi-photo-safari/

Your 60-second money minute. Today's topic: Stocks Higher, Consumer Sentiment Lower Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.