Podcasts about Lower

Every person is created in the image and likeness of God, carrying within themselves the spark of God's breath. In episode two of "God's Image In Man," Duane Sheriff teaches that being created in God's image is the foundation of our identity, worth, and purpose. We bear the divine image as both a reflection and a representation of God—created as image bearers of the living God.Although sin damages and distorts God's image in humanity, salvation through Jesus Christ restores it. Restoring God's image is a primary purpose of salvation, making us a new creation in Christ. In Christ, the righteousness of God renews the image that defines our humanity, value, and worth. This truth explains why all human life is sacred and why Satan relentlessly attacks identity because God's image in man reveals our purpose, authority, and destiny.Click for FREE offer ➡️ https://pastorduane.com/landing/gods-image-in-man

The real reason you wake up at 3:00 AM every night is not an adrenal problem. If you're struggling with insomnia and poor sleep quality, it's vital to address the real root cause of your sleep problems. In this video, find out how to sleep better with my expert sleep tips so you can stop waking up in the middle of the night. Try my new castor oil here:

Nick Valdez looks at some VERY bearish signs for Bitcoin. First thing, a death cross on the 3-day charts. Then, we look at potential outcomes for losing the 200-week moving average. Then we look at altcoins. What about Ethereum, Solana and XRP?

Host Joe Patterson, MD chats with paper authors Shannon Tse, MD, and Sean Campbell, MD about their paper entitled: "Is Discharging Patients After External Fixation and Between Stages During Periarticular Lower Extremity Fracture Care Safe?" Click here for the abstract.  For additional educational resources visit OTA.org

In this Health Moonshot Update, StartUp Health community member Justin Ayars of EqualityMD explains how the company is redefining employer healthcare through a pre-insurance model designed to resolve health needs before insurance is triggered. EqualityMD delivers culturally competent virtual primary care, mental health support, urgent care, and prescription access without generating insurance claims. New research shows the platform can resolve up to 80 percent of employees' diverse health needs pre-insurance, saving employers 20 to 30 percent in health claim and administrative costs and reducing employees' out-of-pocket expenses by 40 to 70 percent. Ayars shares why traditional telehealth often increases claims volume, how claim prevention changes the cost equation, and why rethinking healthcare upstream may be key to rebuilding trust and affordability in the system. Are you ready to tell YOUR story? Members of our Health Moonshot Communities are leading startups with breakthrough technology-driven solutions for the world's biggest health challenges. Exposure in StartUp Health Media to our global audience of investors and partners – including our podcast, newsletters, journal, and YouTube channel – is a benefit of our Health Moonshot Membership. If you're mission-driven, collaborative, and ready to contribute as much as you gain, you might be the perfect fit. » Learn more and join today. Want more content like this? Sign up for StartUp Health Insider™ to get funding insights, news, and special updates delivered to your inbox.

Episode 359: Justin Christopher discusses ten rookies whom he ranks five or more spots lower than the pros at Dynasty League Football.

Dr. Kannan Mutharasan, Medical Director, Bluhm Cardiovascular Institute South Region, Northwestern Medicine, joins John Williams to talk about heart health month, the most common form of heart disease, when someone should consider seeing a cardiologist, the importance of understanding risk factors, and what people can do to lower their risk of heart disease.

Ryan Flynn and Craig Telfer join Ray Bradshaw to discuss tonight's big Championships matches as St Johnstone visit Queen's Park and Partick Thistle head to East End Park to take on Dunfermline.We also look ahead to the Challenge Cup semi-finals and can anybody stop the Inverness Caley Thistle and East Kilbride juggernauts in League One and League TwoAll that plus find out the astronomical fine Arbroath players face for a red card!

Dr. Kannan Mutharasan, Medical Director, Bluhm Cardiovascular Institute South Region, Northwestern Medicine, joins John Williams to talk about heart health month, the most common form of heart disease, when someone should consider seeing a cardiologist, the importance of understanding risk factors, and what people can do to lower their risk of heart disease.

Producciones Esquizoides presenta: Tertulia Trekkie Podcast dedicado a la franquicia de Star Trek en general y a Picard y Discovery en particular. Contacta con nosotros en Twitter y correo electrónico. @fernandomg1981 @AntonioVuarnet @prodesquizoides tertuliatrekkie@gmail.com Leemos y comentamos todos los comentarios que dejéis en ivoox. Suscríbete al podcast en: Ivoox https://www.ivoox.com/podcast-tertulia-trekkie_sq_f1460507_1.html Apple Podcast https://podcasts.apple.com/es/podcast/tertulia-trekkie/id1312363910 Tunein Radio https://tunein.com/podcasts/Fantasy--Science-Fiction-Podcasts/Tertulia-Trekkie-p1286589/?lang=es-ES También está disponible en Google Podcast y Spotify. Canal de YouTube de Producciones Esquizoides https://www.youtube.com/channel/UCU0MBweA3vWmD9td4O7PuJA?view_as=subscriber Canal de Twitch de Producciones Esquizoides https://dashboard.twitch.tv/u/produccionesesquizoides/content/video-producer Compositor de la intro musical de Tertulia Trekkie Benjamín Sun Canal de Youtube de Benjamín Sun https://www.youtube.com/channel/UCI5mKKS2bUgaQa5NISXaDUA Contacto de Benjamín Sun pianoterapia@hotmail.com Voz, Ing. Grabación Luis David Paniagua Mezcla de sonido Luis Mas GOOD VIBES audio & music Contacto de de ambos heregoodvibes@gmail.com Venta de delantales Trekkies diseñados por: Javier García Conde. https://www.pinterest.es/pin/239113061446478217/ https://www.pinterest.es/pin/239113061446466972/ Correo de contacto: javieriadere@gmail.com Algo que ver con la muerte Libro en papel https://www.letraminuscula.com/amz/B0B8C8WH1H Ebook https://www.letraminuscula.com/amz/B0B8DKJPTB Sigue el canal de Tertulia Trekkie en WhatsApp: https://whatsapp.com/channel/0029VaZmZhPL7UVWbiSC1d0F

In Case You Missed It - this is a catch-up episode of one of our favourites from 2023!*Interview starts at 17:10*Highly esteemed Ian Griffiths joins us on the pod today to chat about running biomechanics from a sports podiatry perspective. Ian is a Sports Podiatrist and researcher, currently lecturing in Sports and Exercise Medicine at Queen Mary University London and lecturer at Monash University in Melbourne. Ian has spoken at conferences worldwide, provided sports podiatry services on a world-class scale for multiple professional sporting teams and continues to publish research on lower limb biomechanics. We took a deep dive into all things lower limb injury and performance. Ian's approach is nuanced yet easy to understand. We know you're going to love it. Ian's Instagram - @sportspodiatryinfoOur Instagram - @strongerstrideNeed some nutrition or hydration for your endurance training? Use the code TAILWINDSTRONG at www.tailwindnutrition.com.au You can also use our code STRONGERSTRIDE for 15% off Vivobarefoot shoes at www.solemechanics.com.au Thanks for all of your support! Please rate the podcast, leave a review and follow us on instagram @strongerstride to stay up to date. TSSP x

1. Major Mexican Cartel Leader Killed CHECK OUT the STORY Mexican forces killed Nemesio Oseguera Cervantes (“El Mencho”), leader of the Jalisco New Generation Cartel. His death triggered violent retaliation across multiple Mexican states, including burning vehicles, airport panic, suspended public transportation, and regional shutdowns. The U.S. issued shelter‑in‑place warnings for American travelers in affected areas. Violence may increasingly target American tourists, especially during spring break. Commentary emphasizes Mexico’s struggle with cartel control and the U.S. pushing Mexico to take stronger action. 2. U.S.–Mexico Relations and Trump Administration Pressure CHECK OUT the STORY Mexico’s action was a response to pressure from President Trump, who warned of U.S. strikes on cartel targets. Broader theme: Trump administration aims to deter cartels, reduce drug trafficking, human smuggling, and violent crime. Noted drops in national murder rates (~20%) and drug overdose deaths (~20%), attributed to tougher border and anti‑cartel policies. Commentary mocks media for ignoring or downplaying these improvements. 3. Advice for Americans in Mexico For those currently in Mexico, the guidance is: Check State Department travel advisories. Follow regional safety updates closely. Contact U.S. government resources if in danger. Hosts recommend being extremely cautious about spring break travel during escalating cartel unrest. 4. Supreme Court Strikes Down Trump’s Tariff Approach Supreme Court decision ruled that one specific statute (IEEPA) does not authorize the tariff method Trump used. Majority opinion written by Chief Justice John Roberts; the prediction on the podcast had expected the opposite outcome. However, the ruling does not prevent Trump from imposing tariffs — it simply means he must rely on other statutes. The conversation outlines multiple other laws Trump can still use: Trade Act of 1974 (Sections 122, 301) Smoot-Hawley (Section 338) Trade Expansion Act (Section 232) Trade Act Safeguards (Section 201) Expectation: tariffs will continue, though implemented via different legal pathways. 4. Political Reaction to the Tariff Ruling China and U.S. Democrats were reportedly celebrating the ruling. Democrats oppose tariffs mainly to politically hurt Trump, not on principle. Expect ongoing litigation from companies seeking refunds from past tariffs—potentially costing billions. 6. Upcoming State of the Union Suggestion that Trump should focus the State of the Union on: Lower crime rates Lower drug overdose deaths “America First” accomplishments Acknowledged cartel takedowns but also keeping the focus on domestic well-being. 7. Olympic Highlights — USA Beats Canada in Men’s Hockey "We got GREAT Dentists" WATCH Hughes video HERE Big national pride moment: USA wins gold in men’s hockey against Canada in overtime. Follows U.S. women also beating Canada in the finals. Jack Hughes (NHL player, Team USA) celebrated passionately about playing for the country. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

You can be thin, active, and still carry dangerous visceral fat around your organs. Unlike subcutaneous fat you can pinch, visceral fat is hidden deep in the abdomen and strongly linked to heart disease, insulin resistance, fatty liver, and early mortality. More cardio is not always the answer. Visceral fat is hormonally driven and protected by insulin and cortisol. Chronic stress and long-duration cardio can actually increase cortisol, making it harder to lose stubborn belly fat. In this episode, Ben shares a simple strategy: 25 squats twice per day. Squats activate the largest muscle groups in the body, improve insulin sensitivity, and stimulate GLUT-4 transporters to pull glucose out of the bloodstream and into muscles. Lower insulin levels mean less protection for visceral fat. You'll learn: The difference between subcutaneous and visceral fat Why cortisol promotes abdominal fat storage How muscle contraction sends a fat-burning signal Why resistance training is crucial after age 45 What to expect in the first days and weeks Simple squat modifications for all fitness levels Why stacking nutrition, sleep, and recovery matters The squat is the ignition.The lifestyle stack determines the acceleration. Ben also shares details about his 14-Day Metabolic Reset and a free 7-day drug-free belly fat protocol to help you lower insulin, preserve muscle, and reclaim metabolic control. Remember: You are not trying harder. You are sending the right signal.

Will Bitcoin go to zero? That's the question Americans are asking on Google. U.S. Google searches for "bitcoin zero" have hit a record high following President Trump's aggressive tariff announcements. As trade war fears rattle domestic and the crypto markets, traders are bracing for a further dip in Bitcoin. CoinDesk's Jennifer Sanasie hosts "CoinDesk Daily." - This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.

Too soon for hopium? With pre-season testing wrapped up, the LB boys share their thoughts on every F1 team with three-word summaries, and finish with some Higher or Lower... Want more Late Braking? Support the show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get: Ad-free listening Full-length bonus episodes Power Rankings after every race Historical race reviews & more exclusive extras! Don't forget! You can also gift a Late Braking Patreon subscription—perfect for loved ones or your own wish list. Choose anything from 1 month up to a full year of top-notch F1 content: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/latebrakingf1/gift⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Late Braking: You can find us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Come hang out with us and thousands of fellow F1 fans in our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ server and get involved in lively everyday & race weekend chats! Get in touch any time at podcast@latebraking.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the evolution of investing—from individual stocks to mutual funds to Exchange Traded Funds—and why technology is changing how portfolios are built today. If you've ever wondered about Stocks vs ETFs, Stocks vs mutual funds, or ETFs vs mutual funds, this episode breaks down the differences in a way that connects directly to your long-term Retirement Planning goals and overall Investment portfolio strategy.Listen in to learn about how reducing internal costs, understanding expense ratios explained, and improving portfolio efficiency can make a significant impact on your long-term results. Whether you're focused on Stock market investing, building an Index investing strategy, or refining your Retirement investing strategy, this episode will help you better understand how the right structure can help you plan for retirement, follow a smart retirement checklist, and ultimately secure your retirement.In this episode, find out:The real differences in Stocks vs ETFs, Stocks vs mutual funds, and ETFs vs mutual fundsHow technology now allows for efficient Stock indexing without high internal fund costsWhy lowering expense ratios and reducing hidden fees leads to Lower investment fees and better long-term outcomesHow Portfolio rebalancing and index tracking improve your overall Investment portfolio strategyWhen to use individual stocks, Exchange traded funds, or mutual funds inside a complete Retirement financial planTweetable Quotes:“Technology has now allowed us to replicate an index using individual stocks and eliminate layers of internal fund costs.” — Radon Stancil“Our investment philosophy hasn't changed — but the tools we use to make portfolios more efficient absolutely have.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Plus: European lawmakers are considering stopping a vote on a trade deal with the U.S. in light of last week's Supreme Court ruling on tariffs. And Novo Nordisk shares fell sharply after its experimental obesity drug failed to beat out Eli Lilly's Zepbound. Alex Ossola hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Shoot us a Text.Episode #1276: The 2026 dealer census shows fewer franchise points but stronger per-store sales. Tesla resale values rise while other EVs slide post-tax-credit. And consumers are shifting away from big-ticket purchases, focusing instead on repairs, durability and value.The latest Automotive News dealer census shows a network that's slimming down—but getting stronger. As OEMs right-size their footprints, throughput is climbing and single-brand stores are on the rise.The U.S. starts 2026 with 18,300 dealerships—just 11 fewer than last year—but total franchise points dropped 1.5% to 29,387.Exclusive, single-brand stores rose 1.2% to 13,351 locations as automakers continue network consolidation strategies.Buick (-20%), Lincoln (-9.9%) and Jaguar (-25%) all shrank networks intentionally, boosting per-store performance in the process.Average franchise throughput across the industry climbed 4.1% to 532 vehicles in 2025, with Toyota leading at 1,736 units per store, up 8%.19 brands improved throughput in 2025 — but 24 saw declines, including 12 brands down more than 10%. As networks shrink, the gap between healthy franchises and struggling ones is widening fast.When the $7,500 EV tax credit disappeared, most used EV prices fell. Except Tesla. While mainstream electric models lost value and OEMs started discounting hard, Tesla resale prices actually climbed — changing the whole picture.Used Tesla prices rose 4.3% since the credit ended, while other used EVs dropped an average of 3.6%.Because Tesla makes up such a big slice of the market, overall used EV prices actually rose 3.5% — but that's a bit of a mirage.Lower-cost EVs like the Kona Electric, ID.4, Niro EV and Mach-E all lost around 5–6% in just a few months. The Porsche Taycan was the only non-Tesla model to see a price increase, at 4.1%Used EV market share fell 20% in four months, suggesting mainstream buyers aren't rushing in — even with heavy new-EV discounts.Consumers are still spending — just not on the big stuff. Higher interest rates and tight housing turnover pushed shoppers towards smaller upgrades and essential repairs in 2025 — a trend expected to continue through 2026.Spending slowed across income groups late in 2025, especially households under $40K and over $150K.Large discretionary purchases like furniture and mattresses slowed sharply, while décor, kitchen items and maintenance held up.Home improvement spending softened for a third straight year but remains above pre-pandemic levels.Today's show is brought to you by ESi-Q. ESi-Q measures employee satisfaction and provides actionable insight into what's Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

In this episode, Kristi Bush discusses the identity crisis faced by teens in the age of social media. She explores how social media fractures self-concept, the impact of parasocial relationships with influencers, and the dangers of performance-based identity. Kristi emphasizes the importance of authenticity in identity development and provides strategies for parents to support their teens in navigating these challenges. The conversation highlights the need for deeper discussions about identity and self-worth in a digital world.TakeawaysSocial media can fracture a teen's self-concept.Teens often present multiple versions of themselves online.Lower self-concept clarity leads to identity confusion.Parasocial relationships with influencers can be harmful.Teens feel pressured to present idealized versions of themselves.Engagement metrics can distort a teen's sense of worth.Authenticity is crucial for healthy identity development.Parents should focus on identity development over screen time limits.Encouraging offline experiences can help teens explore their identity.Open discussions about social media and authenticity are essential!www.knbcommunications.com

Too soon for hopium? With pre-season testing wrapped up, the LB boys share their thoughts on every F1 team with three-word summaries, and finish with some Higher or Lower... Want more Late Braking? Support the show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get: Ad-free listening Full-length bonus episodes Power Rankings after every race Historical race reviews & more exclusive extras! Don't forget! You can also gift a Late Braking Patreon subscription—perfect for loved ones or your own wish list. Choose anything from 1 month up to a full year of top-notch F1 content: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/latebrakingf1/gift⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Late Braking: You can find us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Come hang out with us and thousands of fellow F1 fans in our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ server and get involved in lively everyday & race weekend chats! Get in touch any time at podcast@latebraking.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send a textYou cleaned up your eating. You cut back on the sweets. But your blood sugar numbers are still not moving the way you want. Sound familiar?The missing piece might not be food at all. It might be how much you're sitting.In this episode, we break down what a sedentary lifestyle actually means, why it keeps your blood sugar stuck, and the simplest way to start changing it without turning your life upside down.What you'll learn:Why you can work out and still live a sedentary lifestyleHow sitting all day affects insulin resistance and blood sugarThe "closed door" explanation that finally makes insulin resistance clickA simple 3-step blueprint: Sit less. Move more. Build muscle.A 7-day starter plan you can begin todayNo gym required. No complicated routines. Just practical steps that fit real life.This is Episode 5 in the Lifestyle Behaviors series. Last episode covered late-night eating. Next episode goes into strength training for beginners.If someone keeps hearing "move more" but has no idea where to start, share this episode with them.Support the showDownload FREE resources to help you stay focused and consistent at BeatingDiabetesLifestyle.com _____________________Connect With MeTo submit a question or join my mailing list, use the information below to connect with me. Join My Facebook Group - https://www.facebook.com/groups/beatingdiabeteslifestyle Web - www.beatingdiabeteslifestyle.com Email - hello@beatingdiabeteslifestyle.com Instagram - @beatingdiabeteslifestyle _____________________ ©Oscar Camejo - The Beating Diabetes Lifestyle

President Trump raised the blanket tariff rate to 15% from 10% over the weekend, following SCOTUS ruling against IEEPA tariffs on Friday; EU is set to freeze trade deal approval over US President Trump's tariff risk, Bloomberg reports.European equities mixed; Defence names hit as Hungary blocks further funding.DXY pressured on renewed uncertainty after Trump increases global tariffs to 15%.Fixed income relatively contained and awaiting further tariff updates.WTI and Brent rangebound ahead of US-Iran talks this week; Spot XAU regains USD 5k/oz handle.US President Trump reportedly considers a targeted strike on Iran, followed by a larger attack and is open to deposing the Supreme Leader by force if Iran is stubborn, according to the NYT.Looking ahead, highlights include Chicago Fed National Activity Index (Dec/Jan). Speakers include BoE's Taylor, Fed's Waller & ECB's Lagarde. Earnings from Hims & Hers.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Building a Financial Advisory Firm That Puts Clients First: An Inside Look at the Process Meta Description: Discover why Tom Dupree founded Dupree Financial Group in Lexington, Kentucky—focusing on personalized investment management, team accountability, and retirement planning for local clients. For pre-retirees and retirees in Kentucky searching for personalized investment management, understanding the “why” behind your financial advisor matters just as much as the “how.” In this special episode of The Financial Hour of The Tom Dupree Show, Tom Dupree Jr. and Mike Johnson share the founding story of Dupree Financial Group—a journey that began with a simple walk in the woods near Natural Bridge in Kentucky in February 2002 and evolved into a comprehensive wealth management approach designed specifically for Lexington-area retirement investors. The Origin Story: From Brokerage Dissatisfaction to Independent Registered Investment Advisor Tom Dupree recalls the pivotal moment that sparked the creation of Dupree Financial Group. Walking through the woods with his young son James on his shoulders, he realized the traditional brokerage firm model wasn’t aligned with the future he envisioned for his family and clients. “I got this joy, this excitement in my heart thinking about doing this,” Tom explains. “I was in no position to do it at all. I didn’t have any money. Strangely, my banker approved me for a loan to actually go get the office space and get it fitted up. And that fit-up is still the same fit-up we’re using. We have not changed it.” The firm officially opened in 2003, but Tom identifies 2010 as the true beginning of Dupree Financial Group as it exists today. That’s when the firm disassociated from an outside brokerage and became an independent Registered Investment Advisor (RIA). “In 2010, we disassociated ourselves with an outside brokerage firm and became what’s called an RIA, a Registered Investment Advisor, which meant that now we’re not paying 25% of our revenues to an outside firm,” Tom shares. “That enabled us to do a lot more internally, and it really was the beginning of the firm that we know today.” Key Takeaways: Why Dupree Financial Group Started Client-focused mission: Created to serve average retirement investors who wouldn’t necessarily get attention from major brokerage firms Cost structure advantage: Lower overhead means smaller accounts receive meaningful attention and personalized service Local accountability: Designed specifically to respond to clients in Lexington, Kentucky, and the surrounding region Team approach: Built from the ground up to provide collaborative service rather than single-broker relationships Independence: Becoming an RIA in 2010 eliminated the pressure to use proprietary products and allowed true fiduciary responsibility Personalized Investment Management vs. Mass-Market Approaches One of the core distinctions Tom emphasizes is the difference between Dupree Financial Group’s model and the mass-market approach taken by larger national firms. Rather than assigning clients to investment counselors within a large hierarchy, Dupree Financial Group provides direct access to portfolio managers who actually research and select the investments. “When you’re talking to somebody, to one of us, the team that you’re talking to is also the team that is designing your investment portfolio, actually helping pick stocks and bonds to own in the portfolio,” Tom explains. “Now why is that a big deal? Well, when I was with Brand X, they had a guy in New York who was brilliant, and he really was brilliant, and he was a stock picker. You didn’t ever talk to him, but he would publish a list of things that you ought to buy.” That approach failed catastrophically during the 2001-2002 market downturn, when many clients saw portfolios decline 50% with little communication or accountability from their advisors. “It wasn’t so much the fact that everything went down, although that was a big part of it, but it was the lack of communication,” Tom notes. “It was not being willing to be accountable for what really had happened, and they just clammed up.” The Dupree Difference: Direct Access and Transparency Mike Johnson highlights several critical advantages of the Dupree Financial Group model: Team collaboration: Multiple professionals work together on research and portfolio management, producing better outcomes than single-advisor approaches Direct communication: Clients speak directly with the team members who make investment decisions Own investment selection: The firm conducts its own research and calls companies directly rather than relying on buy lists from headquarters Local presence: All revenues stay local and are reinvested in client services rather than flowing to Wall Street firms “The service team is way more aligned with the investment team,” Mike explains. “It’s not two separate functions sitting in the same room.” Investment Philosophy: Focus on Income and Risk Mitigation for Kentucky Retirement Planning Unlike money managers competing to beat specific indices, Dupree Financial Group takes a different approach focused specifically on retirement investors’ needs. This investment philosophy prioritizes income generation and risk mitigation over performance rankings. “We’re not trying to beat any index. We’re just investing in things that we see are good that we think meet our parameters for what we’re looking for,” Tom states. “The why is it’s a focus on risk mitigation, and it’s a focus on income. Those things actually make it pretty easy for us once we tie down the parameters of what we’re looking for.” Mike Johnson references a quote from investment manager Howard Marks that encapsulates a key industry problem: “If you want to be in the top 5% of money managers, you have to be willing to be in the bottom 5% too.” That statement, Mike explains, highlights the perverse incentives created when advisors chase index performance rather than focusing on actual client needs. Real Portfolio Examples: How the Strategy Works The team shares several examples of their investment approach in action: The 6.5% Dividend Stock: “We bought it in June. This company, our listeners would be familiar with. At the time, it had a six-and-a-half percent dividend yield, and the valuation was attractive when you look at the hard assets that they had. We felt some things could go right for the company over the next couple of years. And in the meantime, the stock had gone down significantly, so there was a lot of bad news priced in already. Since then, the stock has gone up to what we thought it would go up to over the next two to four years. It just did it in four months.” The Grocery Company: “We invested in a company the other day—it was a grocery company well known within Central Kentucky. It’s gotten cheap. We just knew it as being a household name that pays a small dividend.” The Clothing Brand: “It’s kind of a clothing company, well-known. It puts out some major, well-known brands. The thing’s gone from a hundred dollars to 30-something, so we decided to take a look there. That one pays a pretty good dividend.” These examples demonstrate the value-focused, income-oriented approach that differentiates Dupree Financial Group from index-chasing strategies. The Team Approach: Building Long-Term Relationships Over Transactions A fundamental principle at Dupree Financial Group is the shift from transactional relationships to ongoing partnerships. Tom explains how his years at major brokerage firms taught him what he didn’t want to replicate. “One thing that I learned in the big firms was that it’s always about the transaction. It’s about the trade,” Tom recalls. “You were constantly having to pursue that trade, do this trade with this client, do that trade with that client. I didn’t want it to be about the trade anymore. I wanted it to be about the relationship.” This philosophy manifests in several concrete ways: Regular review process: Unlike transactional brokerage relationships, Dupree Financial Group built systematic client reviews into the firm’s DNA from the beginning No pressure to sell: Because clients have already committed to the process, meetings focus on education and information rather than sales Team accountability: Multiple team members take responsibility for each client rather than the single-broker model Transparent communication: When investments don’t work out, the team explains why openly rather than avoiding difficult conversations “When our clients come in for a review or they call with a question, they know we’re not trying to sell them anything,” Mike emphasizes. “It’s informational. It’s actually something they can use.” Direct Company Research: An Uncommon Practice One aspect of Dupree Financial Group’s approach that sets them apart is their practice of directly contacting companies they invest in—something Tom notes is rare among medium and small-sized investment advisors. “We do calls with these companies. In some cases, we’ve gone to visit them—the actual company itself that we’re investing in,” Tom explains. “That would’ve been unheard of in our previous setup. A big part of what we do is talk to the clients—I say clients, the businesses that we invest in. We talk to them, we want to find out what they’re doing, learn a little bit about management and do the best we can to really do our due diligence.” This hands-on research approach provides insights that buy lists and analyst reports simply cannot match. Four Generations of Financial Service: The Dupree Family Legacy The commitment to serving clients runs deep in the Dupree family history. Tom shares how his grandfather entered the investment business around 1920 in Louisville, Kentucky, selling preferred stock for Louisville Gas and Electric directly to the public before moving into municipal bonds. “My grandfather was the first one of our line that was in the investment business,” Tom explains. “Then my dad got into the business after being in the navy, I think it was around 1955 in Harlan, Kentucky. Then me and now my two sons are in the business.” Tom’s father moved the family to Lexington in 1963 and founded Dupree and Company, which managed municipal bond issues and eventually started the Kentucky Tax Free Mutual Fund in 1979. “Their idea was always to make a thing for clients that the clients could use, that was a retail thing,” Tom notes. “And so I carried that concern for the clients into what I did when we started Dupree Financial Group.” This multi-generational focus on creating client-centered investment solutions forms the foundation of the firm’s culture today. Tom’s sons, Clark and James, are involved with Dupree Financial Group, making the fourth generation of Duprees in the investment business. The Evolution: Early Struggles to Established Success Tom is refreshingly transparent about the challenges of the firm’s early years. After opening in 2003, success didn’t come easily or quickly. “It certainly was frightening during those early days of opening the firm and wondering if anybody would ever show up,” Tom recalls. “We did all these seminars, lots of them, over a hundred. People would show up, and now and then we’d get a client out of it. It took a lot of work.” The firm began regular radio broadcasts around 2008, which helped build awareness and credibility in the Lexington community. But the real transformation came in 2010 with the transition to RIA status. “When we became an RIA, it opened up possibilities for investment options that we didn’t have before,” Mike reflects. “It got the pressure of the heavy hand off to use proprietary products. That hand was always on you. And so that was lifted. It was like the skies opened up that you had this flexibility now.” Mike adds a crucial point about this transition: “At the same time, that was a sobering feeling. Now it was on you. You can’t blame it on anybody. But from our client’s standpoint, that was something that was a positive because the accountability increased for the firm.” Client Retention: The Ultimate Validation Perhaps the strongest validation of Dupree Financial Group’s approach is client retention. Tom notes that the firm keeps clients longer and longer—a testament to the relationship-building model. “We seem to be keeping clients longer and longer, so evidently we did something right,” Tom observes. “Once we got the buggy built, we really haven’t fooled with it much. We’ve tried to do some tweaks here and there, but the basic chassis has served us pretty well.” Why the “Why” Matters for Kentucky Retirement Investors For pre-retirees and retirees evaluating financial advisors, understanding the “why” behind a firm’s approach provides crucial insight into what kind of service you’ll receive. Dupree Financial Group’s founding principles remain consistent today: Serve retirement investors who might not get attention from large brokerage firms Maintain local presence and accountability in Lexington, Kentucky Provide team-based service rather than single-advisor relationships Focus on income and risk mitigation rather than index performance Conduct independent research and select individual investments Build long-term relationships rather than pursuing transactions Communicate transparently about both successes and setbacks As Tom reflects: “It really wasn’t about the investment performance. It’s about the touch, it’s about the accountability, those sorts of things. And that’s the kind of thing we’ve set up. That was what I envisioned when I started this thing—that we would give the clients more of what they should have been getting at the Wall Street firms.” Ready to Experience the Dupree Financial Group Difference? If you’re approaching retirement or already in retirement and want a local financial advisor who prioritizes transparency, accountability, and personalized service, Dupree Financial Group invites you to experience the difference that a client-first approach makes. Schedule your complimentary portfolio review today: Call: (859) 233-0400 Visit: www.dupreefinancial.com Get Personalized Analysis: Request your portfolio consultation Don’t settle for mass-market investment approaches or impersonal service from distant Wall Street firms. Work with a team of Kentucky financial advisors who do their own research, communicate directly with you, and keep your retirement goals at the center of every decision. Explore more insights on Kentucky retirement planning strategies and listen to additional episodes in our Market Commentary archive. Frequently Asked Questions About Dupree Financial Group What makes Dupree Financial Group different from large brokerage firms? Dupree Financial Group operates as an independent Registered Investment Advisor (RIA), meaning the firm doesn’t pay commissions to Wall Street parent companies and doesn’t face pressure to use proprietary products. The team that meets with clients is the same team that researches and selects investments, providing direct accountability and transparency. All revenues stay local and reinvest in client services rather than flowing to distant corporate headquarters. Why did Tom Dupree start his own financial advisory firm? Tom founded Dupree Financial Group in 2003 after 19 years with a major brokerage firm, where he witnessed the limitations of the transactional, sales-focused model. He envisioned creating a firm that would serve average retirement investors with personalized attention, team-based accountability, and a focus on long-term relationships rather than individual trades. The firm became truly independent in 2010 when it transitioned to RIA status. What is the investment philosophy at Dupree Financial Group? Unlike money managers competing to beat specific indices, Dupree Financial Group focuses on income generation and risk mitigation for retirement investors. The team conducts its own research, including direct calls to companies they invest in, and selects individual stocks and bonds based on dividend yield, valuation, and margin of safety rather than trying to match or beat market benchmarks. How does the team approach at Dupree Financial Group benefit clients? The team model means clients receive the collective expertise of multiple professionals rather than relying on a single advisor’s perspective. Multiple team members share responsibility for each client account, improving service levels and ensuring continuity. This collaborative approach produces better research outcomes and provides clients with consistent access to knowledgeable professionals. What types of clients does Dupree Financial Group serve? Dupree Financial Group specializes in serving pre-retirees and retirees, particularly those who might not receive personalized attention from large brokerage firms. The firm’s cost structure allows them to provide meaningful, customized service to clients with retirement accounts of various sizes, with a focus on the Lexington, Kentucky area and surrounding regions. How often does Dupree Financial Group communicate with clients? Regular client reviews are built into the firm’s DNA from the beginning. Unlike transactional brokerage relationships where communication happens only when making trades, Dupree Financial Group maintains ongoing dialogue with clients through systematic review processes. These meetings focus on education and information rather than sales, since clients have already committed to the firm’s investment process. Does Dupree Financial Group charge fees or commissions? As a fee-based Registered Investment Advisor, Dupree Financial Group operates under a fiduciary standard, meaning it’s legally required to act in clients’ best interests. This fee-based structure eliminates conflicts of interest inherent in commission-based brokerage relationships and aligns the firm’s success with client outcomes. Disclaimer: This content is for informational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Please consult with a qualified financial professional regarding your specific situation. The post Why Independent Financial Advisors Choose Income Over Index Performance for Retirement Portfolios appeared first on Dupree Financial.

Brownfield Commodity Market Reporter John Perkins has your look at the losses in cattle and wheat, the gains in hogs, and mixed closes for corn and soybeans.March corn $4.27 and ½ unchangedMarch soybeans $11.34 and ¼ down $.03 and 1/4March soybean meal $308.70 down $1.10March soybean oil 59.39 up 47 pointsMarch Chicago wheat $5.69 and ½ down $.04April live cattle $239.25 down $2.75April lean hogs $93.70 up $.02Learn 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.

Walt Bruns – CFO, Sasol SAfm Market Update - Podcasts and live stream

Builder confidence in the single-family housing market slipped again in February, according to the latest Housing Market Index from the National Association of Home Builders. The index fell to 36, marking the second straight monthly decline and signaling continued weakness in builder sentiment. Affordability remains the biggest challenge. High home price-to-income ratios, elevated land costs, and stubborn construction expenses are keeping many buyers on the sidelines. Even with incentives widely available, buyer traffic remains low. In this episode, Kathy Fettke breaks down what falling builder confidence means for housing supply, pricing power, remodeling demand, and real estate investors in 2026. If inflation eases and mortgage rates follow, conditions could improve — but for now, affordability continues to shape the market.

Stop believing the "convenient lie" that the market is the problem when the issue is a lack of strategy. The truth about mortgages reveals a shift in how the economic machine works.It is easy to believe a lie when things feel difficult, but the reality is that many agents simply do not know how to price property in today's climate. In this episode, we break down why the truth about mortgages is tied to a money supply issue that most professionals fail to understand. Success in real estate investing or sales today requires a mature acknowledgment of the facts regarding debt and interest rates.✅ Understanding the inflation impact on real estate is critical when $55 smoothies become the new norm and the money supply remains overextended. ✅ We examine Corelogic's revised housing market forecast through the lens of private equity buyouts and major industry shifts. ✅ Discover how zillow is taking over the real estate by indexing data and moving into the lead generation game while agents avoid prospecting. ✅ Learn how to succeed in real estate your first year or your tenth by moving away from "bow and arrow" tactics like just sitting in open houses. ✅ High-level real estate agent coaching is now a requirement to navigate the compression of buyer agent commission and shifting negotiation rules. ✅ Stop praying for a return to 2% rates and find out how to get more listings by becoming a dominant agent who understands the current economic reality.The probability of rates dropping significantly in the next 18 months is zero, so you must accept the truth about mortgages and adapt your business model to the 4 million transactions actually happening. You are only one relationship away from finding the strategy that works.#realestate #mortgages #housingmarket #zillow #inflation #realestateagent #economics #homelisting #interestrates #realestatetips

Willard and Dibs' full show from Friday, February 20th. In Hour 1, Willard and Dibs react to last night's Warriors loss to the Celtics, discuss Draymond Green's future, break down Kristaps Porzingis' Warriors debut, and more. In Hour 2, Willard and Dibs react to a strange moment from last night's Warriors-Celtics game, spend a few moments celebrating Team USA's win to advance to the men's hockey Gold Medal Match vs. Canada, qualify a listener for the Knockout Tournament, and more. In Hour 3, Willard and Dibs continue sharing stories from past jobs, take callers from Warriors fans on Kristaps Porzingis, play Higher or Lower in honor of the Giants 144th season, and more. In Hour 4, Willard and Dibs chat with Warriors head coach Steve Kerr about Kristaps Porzingis' Warriors debut, Draymond Green's struggles, Steph Curry's health, and more. The guys react to that conversation and get ready for the weekend.

In Hour 3, Willard and Dibs continue sharing stories from past jobs, take callers from Warriors fans on Kristaps Porzingis, play Higher or Lower in honor of the Giants 144th season, and more.

Buttermilk breadrolls 450g bread flour 7g dried yeast 190ml buttermilk 60ml local rapeseed oil 1 heaped tablespoon castor sugar 1/4 teaspoon baking powder Egg yolk for brushing Stir yeast and 35ml of lukewarm water in a large bowl and leave for 10 minutes. Warm the buttermilk to blood temperature gently and add to the yeast mixture with the oil and sugar. Mix in the flour and baking powder to a soft dough and transfer to a floured surface. Knead for 10 minutes and place in a clean bowl rubbed with oil. Cover with cling or a damp tea towel and leave at room temperature for an hour. Knock back and divide dough into 4 equal pieces. Roll into balls and place on baking trays lined with baking paper - don't have them too close together as they'll rise. Leave for 30 minutes. Set oven to 200°c. Brush rolls with egg yolk and then bake for about 20 minutes or until the bottom sounds hollow when tapped. Cook on a wire rack. 500g rump steak 1 tablespoon oil for rubbing Seasalt Freshly ground black pepper 150g mayonnaise 2 teaspoons wholegrain mustard 1 tablespoon finely chopped gherkin 200g raclette slices or thin slices of cheddarRub the oil all over the rump and season with salt. Heat a pan until smoking and seal on both sides for two minutes. Lower the heat and cook to desired temperature. Season with pepper and rest for 5 minutes and slice thinly. Mix the mayonnaise with the mustard and gherkins Split the rolls and spread the mayo on to the surface.Arrange the beef over the top and then cheese. Bake in a 180oc oven until cheese has melted – about 10 minutes. Serve hot.

Today's Post - https://bahnsen.co/4tNvJGE David Bahnsen opens Dividend Cafe after a volatile week marked by a weaker-than-expected GDP report and a Supreme Court ruling striking down President Trump's tariff rationale under the Economic Emergency Act (with a deeper tariff discussion coming Monday). His core thesis: disinflation is likely in 2026—and it may not feel positive. He clarifies the difference between inflation (rising prices), disinflation (slower price increases), and deflation (falling prices). Bond markets are signaling softer expectations, with the 10-year Treasury near 4.07% and five-year inflation breakevens around 2.4%, suggesting modest real growth ahead. Recent GDP registered about 1.4% annualized, distorted in part by a government shutdown, while core PCE inflation is roughly 3% year-over-year versus 2.9% a year ago. Bahnsen expects services-driven disinflation, particularly as rent measures catch up to real-time data. However, that may not improve affordability given tight housing inventory and a frozen resale market. He also warns that business investment is overly concentrated in AI and data centers—echoing the fracking-era CapEx surge—while broader investment remains subdued. Risks to growth include a weak labor market with low hiring, a personal saving rate near 3.4% (raising the chance tax refunds rebuild savings instead of fuel spending), and muted bank lending despite lower rates. 00:00 A wild news week 01:48 Cutting through economic spin 03:23 Why 2026 disinflation may disappoint 04:36 Bond market signals 07:16 GDP and data distortions 10:49 Services-led disinflation 14:05 Concentrated CapEx risk 16:38 Labor, savings, and lending 20:09 Tariffs and demand drag 22:24 What to watch next Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

A majority of Gen Z voters in New York backed Zoran Mamdani. One month later? Property taxes up. Police cuts. Budget chaos. Tara breaks down the math, the promises, the Florida comparison, and why socialism always runs out of other people's money.

In this episode of the Tactical Living Podcast, hosts Coach Ashlie Walton and Sergeant Clint Walton talk about what happens when first responders are physically exhausted but mentally unable to sleep (Amazon Affiliate). Not the occasional restless night, but the chronic state of being wired, alert, and unable to fully shut down even in safe, quiet environments. This is the kind of sleep disruption that develops from years of hypervigilance, rotating shifts, and repeated exposure to critical incidents. The body may be in bed, but the brain is still scanning, replaying calls, running scenarios, and staying prepared for threat long after the shift has ended.

GOOD NEWS FOR DISABLED VETERANS, BUT ACTION IS STILL NEEDED At 12:30 today my friend and tireless advocate for veterans Rob Williams is going to join me at 12:30 to talk about a rules change that COULD have drastically affect disabled veterans and their disability rating. The VA was considering a rules change that would LOWER the disability rating of veterans whose symptoms were controlled via medication.

The City of San Diego is considering lowering the speed limit on more than 600 miles of streets. Plus, people heading north on the I-5 from San Diego this weekend could run into some lane closures. And, we have an update on the final days of the 2026 Milan-Cortina Winter Olympics. NBC 7's Marianne Kushi has these stories and more, including meteorologist Sheena Parveen's forecast for Friday, February 20 2026.

Can something as simple as one egg a week really lower the risk of Alzheimer's disease? In this video, I break down two long-term U.S. research studies looking at eggs and brain health. One study from the Rush Memory and Aging Project found that older adults who ate about one egg per week had a significantly lower risk of developing Alzheimer's disease.  A second study found that higher egg intake was linked to better cognitive performance in women, with no evidence of cognitive harm in men. Eggs are not a cure for dementia. But they are a simple, accessible food that contains nutrients the brain needs.For caregivers and older adults who want to support long-term brain health, small changes can matter. If you'd like to read the full studies, both are linked below. https://www.mdpi.com/2072-6643/16/16/2765 https://www.sciencedirect.com/science/article/pii/S002231662400289X?via%3Dihub Get free weekly tools and tips in my newsletter, The Dementia Dose here: https://tinyurl.com/dementiadose-yt

This Day in Legal History: Jacobson v. MassachusettsOn this day in legal history, the Supreme Court issued its decision in Jacobson v. Massachusetts (1905), a case that defined the balance between individual liberty and public health. The dispute arose during a smallpox outbreak when Massachusetts authorized local governments to require vaccinations. Henning Jacobson refused the vaccine, arguing that the mandate violated his personal liberty under the Constitution. The case presented a fundamental question: how far can the state go in protecting the health of its citizens?In a 7–2 decision, the Court upheld the compulsory vaccination law. The justices reasoned that individual freedoms are not absolute. Writing for the majority, the Court explained that the Constitution permits reasonable regulations to protect public health and safety. This authority stems from the state's “police power,” a broad power to enact laws for the welfare of the community. The Court emphasized that liberty does not include the right to act in a way that harms others. During an epidemic, the government may impose measures necessary to prevent disease from spreading.The decision established an enduring precedent for public health regulation. It has been cited in later cases involving quarantine laws, vaccine mandates, and emergency health orders. More than a century later, Jacobson remains central to debates about the limits of government authority in times of crisis.A federal judge in California sharply reduced a jury pool in a class action securities trial against Elon Musk after many potential jurors said they could not be impartial. Out of 92 candidates, 38 were dismissed after admitting they could not fairly judge the case, prompting Musk's attorney to argue that strong personal hostility toward his client was affecting the process. The lawsuit, brought by former Twitter investors, alleges that Musk made misleading statements in 2022 to depress the company's stock price while negotiating its purchase. Musk denies the allegations.Judge Charles R. Breyer reminded jurors that their verdict must be based only on evidence presented at trial, not personal opinions about Musk. Several prospective jurors expressed strong views, both positive and negative, and some were removed for cause. One man who said he believed Musk should be in prison but could be fair in a civil case was not selected. Others who openly supported Musk or dismissed class actions as frivolous were also excluded. By the end of the day, a nine-member jury was seated.The case centers on claims that Musk's tweets about the deal being “on hold” and about the percentage of fake accounts misled investors. The judge previously ruled that investors plausibly alleged securities law violations and certified a class of affected shareholders. He also denied early summary judgment motions, allowing the case to proceed to trial. The upcoming trial will determine whether Musk's public statements violated federal securities laws during the 2022 acquisition process.‘Hate' For Musk Quickly Narrows Jury Pool In Twitter Deal Trial - Law360Jeffrey Epstein's estate has agreed to pay up to $35 million to settle a class action lawsuit alleging that two of his longtime advisers helped facilitate his sex trafficking scheme. The proposed agreement was disclosed in a federal court filing in Manhattan and must still be approved by a judge. The lawsuit, filed in 2024, targeted Darren Indyke, Epstein's former personal lawyer, and Richard Kahn, his longtime accountant, who serve as co-executors of the estate.Attorneys for the victims claimed the two men assisted Epstein by managing a network of corporations and financial accounts that concealed his activities and enabled payments to victims and recruiters. As part of the settlement, neither Indyke nor Kahn admitted wrongdoing. Their attorney stated they were prepared to contest the claims at trial but chose to settle to bring closure and resolve remaining potential claims against the estate.The estate has already distributed substantial sums to victims. A compensation program previously paid out $121 million, and an additional $49 million has been resolved through other settlements. According to defense counsel, the new agreement will offer a confidential path to compensation for individuals who have not yet settled claims.Epstein died in a New York jail in 2019, and his death was ruled a suicide.Epstein estate agrees to $35 million settlement in victim class action | ReutersThe Trump administration announced plans to scale back federal limits on mercury and other hazardous air pollutants emitted by coal-fired power plants. Officials said easing these standards would help utilities manage costs and maintain reliable baseload electricity as power demand rises, particularly from artificial intelligence data centers. The move targets updates made during the Biden administration to the Mercury and Air Toxics Standards (MATS), which built on regulations first adopted in 2012.The Biden-era revisions would have significantly reduced allowable mercury emissions and cut releases of toxic metals such as arsenic, nickel, and lead. Supporters of those rules argued they would generate hundreds of millions of dollars in public health savings by lowering exposure to harmful pollutants. The Supreme Court previously declined to pause the updated standards while legal challenges proceeded.Environmental and public health advocates warn that weakening the rule could increase health risks, especially for children and other vulnerable populations, since mercury exposure can impair neurological development. The EPA, however, stated that the original 2012 rule already provides sufficient public health protection and that the newer requirements impose costs exceeding their benefits.The rollback aligns with broader administration efforts to support coal power, including declaring an energy emergency, granting temporary exemptions to dozens of coal plants, and revisiting prior climate-related regulatory findings. Coal plants currently produce less than one-fifth of U.S. electricity but remain significant sources of hazardous air pollution.Trump EPA to weaken rule limiting harmful mercury, air toxics from coal plants | ReutersA federal judge in California ruled that PepsiCo and its Frito-Lay division can block a proposed class action brought by convenience store owners alleging unfair pricing practices. The stores claimed the company favored large national retailers by offering them better wholesale prices, in violation of the Robinson-Patman Act, which prohibits certain forms of price discrimination. The lawsuit sought to represent thousands of independently owned California stores that said they lost significant sales as a result of the alleged practices.U.S. District Judge Mónica Ramírez Almadani determined that the plaintiffs failed to show that all proposed class members suffered the same type of injury, a key requirement for class certification under federal law. She explained that price discrimination claims typically require detailed, transaction-specific evidence, making broad class treatment difficult. The court agreed with the defendants' argument that resolving the claims would require individualized inquiries into each store's circumstances.Although the judge rejected the class action request, she did not dismiss the underlying lawsuit. Instead, she allowed the plaintiffs to revise and refile their class allegations. Attorneys for the convenience stores said they plan to amend the complaint to provide additional detail about how Frito-Lay allegedly disadvantaged smaller retailers.PepsiCo, Frito-Lay win US court order barring class action in snack pricing lawsuit | ReutersThe U.S. Supreme Court ruled 6–3 that the International Emergency Economic Powers Act (IEEPA) does not authorize President Donald Trump to impose broad tariffs under a declared national emergency. In a majority opinion by Chief Justice John Roberts, the Court emphasized that the Constitution assigns the power to levy taxes and duties exclusively to Congress, not the executive branch. The case arose after President Trump declared national emergencies related to drug trafficking and trade deficits and then imposed sweeping tariffs on imports from numerous countries, including Canada, Mexico, and China.Small businesses and several states challenged the tariffs, arguing that IEEPA permits the president to “regulate” importation but does not explicitly authorize the imposition of duties. Lower courts agreed, and the Federal Circuit largely affirmed those rulings before the cases reached the Supreme Court. The majority concluded that the statutory term “regulate . . . importation” cannot be read to include the power to impose taxes, especially given Congress's consistent practice of clearly and specifically granting tariff authority in other statutes. The Court also relied on the “major questions” doctrine, reasoning that such sweeping economic authority requires clear congressional authorization, which IEEPA does not provide.The justices rejected arguments that emergency powers or foreign affairs concerns justified a broader interpretation. They noted that no prior president had used IEEPA to impose tariffs in its nearly 50-year history. As a result, the Court affirmed the Federal Circuit's decision invalidating the tariffs and directed dismissal of a related case for lack of jurisdiction.Justices Strike Down Trump's Emergency TariffsThis week's closing theme is by Louis Spohr.This week's closing theme features music by Spohr, a composer who stood at the crossroads between the Classical and early Romantic eras. Born in 1784, Spohr was a celebrated violinist, conductor, and teacher whose reputation in his lifetime rivaled many of his contemporaries. Though his name is less familiar today, he played an important role in shaping early nineteenth-century orchestral and chamber music. His style combines Classical clarity with the expressive warmth that would define the Romantic movement.Spohr wrote four clarinet concertos, each showcasing the instrument's growing technical and expressive range. The Clarinet Concerto in F minor reflects both virtuosity and lyricism, qualities that made the clarinet increasingly popular in concert halls of the time. The first movement, Allegro assai, opens with dramatic orchestral energy before introducing the soloist in sweeping, agile lines. The music balances precision with expressive phrasing, demanding both technical control and emotional depth from the performer.Throughout the movement, Spohr allows the clarinet to sing as much as it dazzles. Rapid passages are paired with moments of lyrical calm, highlighting the instrument's wide tonal palette. The dialogue between soloist and orchestra feels conversational rather than combative, giving the concerto an elegant cohesion. As our closing theme, this Allegro assai offers drive, color, and a glimpse into a composer once central to Europe's musical life.Without further ado, Louis Spohr's Clarinet Concerto in F minor, the first movement, the Allegro assai – enjoy! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

John-Michael Liles joins Jesse Montano and Meghan Angley for a deep dive into Olympic pressure, NHL reality, and the culture that continues to define the Colorado Avalanche.   From his unforgettable experience representing Team USA at the 2006 Winter Olympics in Turin, Italy, to his 14-year NHL career and eventual transition into broadcasting, Liles pulls back the curtain on what life is really like at hockey's highest levels. Plus, a closer look at the Avs at the Olympics as we stare down a gold medal game.   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

In this episode, I unpack the most common criticisms of a vegan diet during menopause, from protein and leucine to calcium, B12, omega-3s, vitamin D, and bone health. You'll learn why these nutrients matter more in midlife, how to meet your needs on a plant-based diet, and when supplementation can make all the difference. We also explore the powerful ways a whole-foods, plant-based diet can support menopause, including: Reduced inflammation and chronic disease risk Improved heart health and cholesterol levels Better blood sugar control and metabolism Sustainable weight loss without restriction Stronger gut health and hormone balance Brain protection and cognitive health Relief from hot flashes and support from phytoestrogens Lower breast cancer risk and greater longevity Save 10% on Kion Aminos with the code BLISSFUL: https://www.getkion.com/ Free Quiz:  What's getting in the way of your weightloss in menopause Free 3-Day Vegan Menopause Meal Plan DISCLAIMER: This podcast's information is general in nature and for informational purposes only. It does not constitute medical advice and is not intended to substitute for professional medical advice, diagnosis, or treatment.    

How the markets are shaping up for Thursday February 19th, More on the next seminar Beyond the Noise: Navigating Wealth in Uncertain Times with EP Wealth Advisors CFPStephanie Richman and JD Nathan Rogers at the Don Tatzin Community Hall Lafayette Library March 11th from 6:30pm to 8:30pm

An ordinance set to go before the Kansas City Council would ban small and individual bottles of alcohol and malt beverages to help lower crime in targeted areas of the city. The owner of one convenience store says limiting sales only hurts his business and customers.

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Required Minimum Distributions (RMDs) are not just mandatory withdrawals — they are forced taxable income that can quietly reshape your retirement tax picture. Higher income from RMDs can trigger increased marginal tax rates, IRMAA surcharges, greater Social Security taxation, and long-term compounding tax consequences — especially for married couples navigating the widow/widower tax penalty. In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about RMD tax planning as a long-term process — not just a once-a-year withdrawal decision — including: Why RMD planning is really tax bracket management over time How Roth conversions can shrink future Required Minimum Distributions Smart timing and withholding strategies that create flexibility How Qualified Charitable Distributions (QCDs) reduce taxable income The role of income targeting and IRMAA awareness What types of assets to convert — and why it matters Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/  Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/  Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

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.

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

Have you considered starting with a one-thing of the month subscription? You should. Why do I say that? Well, my one-thing of the month subscription is easier to manage and more profitable than my fully curated subscription box. And my one-thing of the month subscription has almost double the number of subscribers as my larger, more expensive box.  When people start thinking about starting a subscription box, they think about a fully curated box. They dream about the experience they'll provide their subscribers with all the little touches and a box filled with items that complement each other.  But soon, overwhelm sets in. Creating that fully curated experience with all the little touches takes a LOT of work. And all that work and all that overwhelm can turn into not making progress.  Instead of starting with a fully curated box, think about starting with one thing. There are several benefits to starting a one-thing of the month subscription. A one-thing of the month subscription:  Has the lowest barrier to getting started. Fewer vendors to work with. Lower start-up funds. Packaging that is simple and the same each month!  Is easier to fulfill and ship.  Has the potential for higher profit margins.  Brainstorm what your one item could be by asking yourself:   What is your best-selling item?  What do people repeatedly buy?  What do people constantly ask you for more of?  Your one-thing of the month could be:  Something fun - a no-frills way for subscribers to treat themselves.  Something consumable - subscribers never run out! So many Launch Your Box members have wildly successful one-thing of the month subscriptions. Some of the “one things” their happy subscribers receive include:  T-shirts Candles Pizzelles Nail polish Earrings Door hangers Washi tape Start brainstorming what you can turn into a one-thing of the month subscription and move one step closer to launching your subscription.   How does a subscription that's easier to manage and more profitable sound? Join me for this episode to learn more about why you should consider starting a one-thing of the month subscription.    Join me in all the places:  ⁠Facebook⁠ ⁠Instagram⁠ ⁠Launch Your Box with Sarah Website⁠    Are you ready for ⁠ Launch Your Box⁠? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. ⁠ Join the waitlist⁠ today! 

We're surrounded by noise and distractions. Today we'll explore 9 practices we can engage in to help push back the noise and be focused in our life and leadership.. . .Coaching is a GREAT way to include reflection into your leadership rhythms.If you're interested in securing a free no-pressure exploratory coaching session, check out www.kairospartnerships.org/contact or email me at jrbriggs@kairospartnerships.orgIf you haven't signed up for my every other week FREE newsletter 5 Things in 5 Minutes (5 valuable nuggets that can be read in 5 minutes or less), check outwww.kairospartnerships.org/5t5m**Resilient Leaders is produced by the incredibly gifted Joel Limbauan at On a Limb Productions (www.onalimbproductions.com).

Click here to learn more about The Inspired Love Program You don't feel insecure with every man. Only the ones you actually respect.   You meet someone who seems grounded, accomplished, emotionally steady… And suddenly something shifts.   You start overthinking. You start performing. You start feeling like you have to earn your place.   Nothing about you has changed. But somehow… your energy has.   In this episode, we're unpacking why that happens, what it reveals beneath the surface, and the subtle shift that changes everything.   Because the moment you understand what's really going on, you stop shrinking, and let your real value shine through.

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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